Document:

EX-10.29.13

 Exhibit 10.29.13 

EXECUTION VERSION 

AMENDMENT NO. 13 TO 

AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT 

THIS AMENDMENT NO. 13 TO AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT (this “Amendment”) is made and entered into as of
January 31, 2020, by and between Bank of America, N.A. (“Buyer”) and loanDepot.com, LLC (“Seller”). This Amendment amends that certain Amended and Restated Master Repurchase Agreement by and between Buyer and
Seller, dated as of July 17, 2015 (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”). 

R E C I T A L S 
 Buyer
and Seller have previously entered into the Agreement pursuant to which Buyer may, from time to time, purchase certain mortgage loans from Seller and Seller agrees to sell certain mortgage loans to Buyer under a master repurchase facility. Buyer and
Seller hereby agree that the Agreement shall be amended as more fully provided herein. 
 In consideration of the mutual promises contained herein, and for
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Buyer and Seller hereby agree as follows: 
  

	1.	 Amendment. Effective as of January 31, 2020, the Agreement is hereby amended as follows:

 (a) Article 4 of the Agreement is hereby amended by adding the following new
Section 4.13 immediately following Section 4.12 thereof: 
  

	 	4.13	 Alternative Rate. If prior to any Payment Date, Buyer determines in its sole discretion that, by reason
of circumstances affecting the relevant market, (i) adequate and reasonable means do not exist for ascertaining One-Month LIBOR, (ii) One-Month LIBOR is no
longer in existence, (iii) the administrator of One-Month LIBOR or a Governmental Authority having jurisdiction over Buyer has made a public statement identifying a specific date after which One-Month LIBOR shall no longer be made available or used for determining the interest rate of loans, provided, that, at the time of such statement, there is no successor administrator that is satisfactory to Buyer,
that will continue to provide One-Month LIBOR after such specific date (such specific date, the “Scheduled Unavailability Date”), or (iv) mortgage loan financing facilities similar to
this facility, currently being executed, or that include language similar to that contained in this Section 4.13, are being executed or amended (as applicable) to incorporate or adopt a new benchmark interest rate to replace One-Month LIBOR, Buyer shall give prompt notice thereof to Seller, whereupon the Applicable Pricing Rate from the date specified in such notice, which may be the Scheduled Unavailability Date, for such period, and
for all subsequent periods until such notice has been withdrawn by Buyer, shall be an alternative benchmark rate (including any mathematical or other adjustments to the benchmark rate (if any), giving due consideration to any evolving or then
existing convention for similar U.S. dollar denominated mortgage loan financing facilities for such benchmark rates, which adjustment or method for calculating such adjustment shall be published on an information service as selected by Buyer from
time to time in its sole discretion and may be periodically updated) (any such rate, a “Successor Rate”). Such Successor Rate shall be applied in a manner consistent with market practice; provided that to the extent such market
practice is not administratively feasible for Buyer, such Successor Rate shall be applied in a manner as otherwise determined by Buyer in its sole discretion. In connection with the implementation of a Successor Rate, Buyer shall have the right to
make Successor Rate Conforming Changes, as determined by Buyer in its sole discretion from time to time and, notwithstanding anything to the contrary herein or in any other Principal Agreement, any amendments implementing such Successor Rate
Conforming Changes shall become effective without any further action or consent of any other party to this Agreement. 

 (b) Article 10 of the Agreement is hereby amended by adding the
following new Section 10.12 immediately following Section 10.11 thereof: 
  

	 	10.12	 Regulation W. Seller shall not, to its actual knowledge, use the proceeds from the transfer of funds
from Buyer to Seller to effect transactions with any affiliate (as defined in 12 CFR §223.2 or 12 USC §371c) of Buyer. 

(c) Article 14 of the Agreement is hereby amended by deleting Section 14.11 thereof in its
entirety and replacing it with the following: 
  

	 	14.11	 Notices. 

  

	 	(a)	 All notices, demands, consents, requests and other communications required or permitted to be given or made
hereunder in writing shall be mailed (first class, return receipt requested and postage prepaid) or delivered in person or by overnight delivery service or by facsimile, addressed to the respective parties hereto at their respective addresses set
forth below or, as to any such party, at such other address as may be designated by it in a notice to the other: 

 If to
Seller:             That address set forth in the Transactions Terms Letter 

If to Buyer:             Bank of America, N.A. 31303 Agoura Road 

Mail Code:
CA6-917-02-63 

Westlake Village, California 91361 

Attention: Adam Gadsby, Managing Director 

Telephone: (818) 225-6541 

Facsimile: (213) 457-8707 

Email: Adam.Gadsby@bofa.com 

With copies to: 

Bank of America, N.A. 

One Bryant Park, 11th Floor 

Mail Code:
NY1-100-11-01 

New York, New York 10036 

Attention: Eileen Albus, Director, Mortgage Finance 

Telephone: (646) 855-0946 

Facsimile: (646) 855-5050 

Email: Eileen.Albus@bofa.com 

Bank of America, N.A. 

One Bryant Park 

Mail Code:
NY1-100-17-01 

New York, New York 10036 

Attention: Amie Davis, Assistant General Counsel 

Telephone: (646) 855-0183 

Facsimile: (704) 409-0337 

Email: Amie.Davis@bofa.com 

All written notices shall be conclusively deemed to have been properly given or made when duly delivered, if delivered in person or by
overnight delivery service, or on the third (3rd) Business Day after being deposited in the mail, if mailed in accordance herewith, or upon transmission by the receiving party of a facsimile
confirming receipt, if delivered by facsimile. Notwithstanding the foregoing, any notice of termination shall be deemed effective upon mailing, transmission, or delivery, as the case may be. 

  
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	 	(b)	 All notices, demands, consents, requests and other communications required or permitted to be given or made
hereunder which are not required to be in writing may also be provided electronically either (i) as an electronic mail sent and addressed to the respective parties hereto at their respective electronic mail addresses set forth below, or as to
any such party, at such other electronic mail address as may be designated by it in a notice to the other or (ii) with respect to Buyer, via a posting of such notice on Buyer’s customer website(s). 

If to Seller:             That email address(es) specified in the Transactions
Terms Letter, if any. 
 If to Buyer:             Eileen.Albus@bofa.com 

Amie.Davis@bofa.com 

Adam.Gadsby@bofa.com and 

Adam.Robitshek@bofa.com 

(d) Article 14 of the Agreement is hereby amended by adding the following new Section 14.27
immediately following Section 14.26 thereof: 
  

	 	14.27	 ISDA Stay Protocol. Buyer and Seller each (i) confirms that prior to the date hereof it has adhered
to the 2018 ISDA U.S. Resolution Stay Protocol (the “Protocol”), and (ii) agrees that the terms of the Protocol are incorporated into and form a part of this Agreement, and for such purposes this Agreement shall be deemed a
“Protocol Covered Agreement” and each party shall be deemed to have the same status as a “Regulated Entity” and/or an “Adhering Party” as applicable to it under the Protocol. Terms used in this paragraph without
definition shall have the meanings assigned to them under the QFC Stay Rules. For purposes of this paragraph, references to “this Agreement” include any related credit enhancements entered into between the parties or provided by one to the
other. In addition, Buyer and Seller agree that the terms of this paragraph shall be incorporated into any related covered affiliate credit enhancements, with all references to Buyer replaced by references to the covered affiliate support provider.

 (e) Exhibit A to the Agreement is hereby amended by deleting the definitions of
“Applicable Pricing Rate”, “Change of Control” and “One-Month LIBOR” in their respective entireties and replacing them with the following (modified text
underlined for review purposes): 
 Applicable Pricing Rate: With respect to any date of determination, the greater of (i) One-Month LIBOR or a Successor Rate and (ii) 0%. It is understood that the Applicable Pricing Rate shall be adjusted on a daily basis. 

Change of Control: Change of Control shall mean any of the following: 

(a) any event or series of events by which any “person” or “group” (as such terms are used in Sections 13(d) and 14(d) of
the Securities Exchange Act of 1934, as amended (the “Exchange Act”), but excluding any employee benefit plan of such person or its Subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary or
administrator of any such plan), other than the Equity Investors, LD Holdings and LD Intermediate, becomes the “beneficial owner” (as defined in Rules 13d-3 and
13d-5 under the Exchange Act), directly or indirectly, of 51% or more of the equity securities of Seller entitled to vote for members of the board of directors or equivalent governing body of Seller on a
fully-diluted basis; 
 (b) the sale or disposition of all or substantially all of Seller’s assets (or consummation of any transaction,
or series of related transactions, having similar effect); 
 (c) the dissolution or liquidation of Seller; 

  
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 (d) any transaction or series of related transactions that has the substantial effect of any
one or more of the foregoing; or 
 (e) if Seller is a Delaware limited liability company, Seller enters into any
transaction or series of transactions to adopt, file effect or consummate a Division, or otherwise permits any such Division to be adopted, filed, effected or consummated. 

One-Month LIBOR: The daily rate per annum (rounded to three (3) decimal places) for one-month U.S. dollar denominated deposits as offered to prime banks in the London interbank market, as published on the Official ICE LIBOR Fixings page by Bloomberg or in the Wall Street Journal as of the date of
determination. 
 (f) Exhibit A of the Agreement is hereby further amended by adding the following definitions in
their appropriate alphabetical order: 
 Delaware LLC Act: Chapter 18 of the Delaware Limited Liability Company Act, 6 Del. C.
§§ 18-101 et seq., as amended. 
 Dividing LLC: A Delaware limited liability company
that is effecting a Division pursuant to and in accordance with Section 18-217 of the Delaware LLC Act. 

Division: The division of a Dividing LLC into two or more domestic limited liability companies pursuant to and in accordance with Section 18-217 of the Delaware LLC Act. 
 Protocol: As defined in
Section 14.27 of this Agreement. 
 QFC Stay Rules: The regulations codified at 12 C.F.R. 252.2,
252.81–8, 12 C.F.R. 382.1-7 and 12 C.F.R. 47.1-8, which, subject to limited exceptions, require an express recognition of the stay-and-transfer powers of the FDIC under the Federal Deposit Insurance Act and the Orderly Liquidation Authority under Title II of the Dodd Frank Wall Street Reform and Consumer Protection Act and the
override of default rights related directly or indirectly to the entry of an affiliate into certain insolvency proceedings and any restrictions on the transfer of any covered affiliate credit enhancements. 

Scheduled Unavailability Date: As defined in Section 4.13 of this Agreement. 

Successor Rate: A rate determined by Buyer in accordance with Section 4.13 hereof. 

Successor Rate Conforming Changes: With respect to any proposed Successor Rate, any spread adjustments or other conforming changes to
the timing and frequency of determining rates and making payments of interest and other technical, administrative or operational matters as may be appropriate, in the discretion of Buyer, to reflect the adoption and implementation of such Successor
Rate and to permit the administration thereof by Buyer in a manner substantially consistent with market practice (or, if Buyer determines that adoption of any portion of such market practice is not administratively feasible or that no market
practice for the administration of such Successor Rate exists, in such other manner of administration as Buyer determines to be necessary in its sole discretion). 

(g) Exhibit A to the Agreement is hereby further amended by deleting the definition of “LIBOR Floor” in
its entirety and any and all references thereto. 
 (h) Exhibit K to the Agreement is hereby amended by deleting the
references to “Eileen.Albus@baml.com” and “Adam.Gadsby@baml.com” therein and replacing each such reference with “Eileen.Albus@bofa.com” and “Adam.Gasby@bofa.com”, respectively. 

  
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 (i) Exhibit K to the Agreement is hereby further amended by deleting
the address for notices to Seller thereof in its entirety and replacing it with the following: 
 loanDepot.com, LLC 26642 Towne Centre
Drive 
 Foothill Ranch, California 92610 

Attn: Patrick Flanagan, Chief Financial Officer 

Email: pflanagan@loandepot.com 

Cc: Sheila Mayes - smayes@loandepot.com 

(j) Exhibit M to the Agreement is hereby amended by deleting the addressee thereof in its entirety and replacing it with
the following: 
 loanDepot.com, LLC 26642 Towne Centre Drive 

Foothill Ranch, California 92610 

Attn: Patrick Flanagan, Chief Financial Officer 

Email: pflanagan@loandepot.com 

Cc: Sheila Mayes - smayes@loandepot.com 
  

	2.	 No Other Amendments; Conflicts with Previous Amendments. Other than as expressly modified and
amended herein, the Agreement shall remain in full force and effect and nothing herein shall affect the rights and remedies of Buyer as provided under the Agreement. To the extent any amendments to the Agreement contained herein conflict with any
previous amendments to the Agreement, the amendments contained herein shall control. 

  

	3.	 Capitalized Terms. Any capitalized term used herein and not otherwise defined herein shall have
the meaning ascribed to such term in the Agreement. 

  

	4.	 Representations. In order to induce Buyer to execute and deliver this Amendment, Seller hereby
represents to Buyer that as of the date hereof, after giving effect to this Amendment, (i) Seller is in full compliance with all of the terms and conditions of the Principal Agreements and remains bound by the terms thereof, and (ii) no
Potential Default or Event of Default has occurred and is continuing under the Principal Agreements. 

  

	5.	 Governing Law. This Amendment shall be construed in accordance with the laws of the State
of New York without regard to any conflicts of law provisions (except for Section 5-1401 of the New York General Obligations Law which shall govern). All legal actions between or among the parties
regarding the Agreement, including, without limitation, legal actions to enforce the Agreement or because of a dispute, breach or default of the Agreement, shall be brought in the federal or state courts located in New York County, New York, which
courts shall have sole and exclusive in personam, subject matter and other jurisdiction in connection with such legal actions and the parties acknowledge and agree that venue in such courts shall be convenient and appropriate for all purposes.

  

	6.	 Severability. Each provision and agreement herein shall be treated as separate and
independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

 

	7.	 Counterparts. For the purpose of facilitating the execution of this Amendment, and for other
purposes, this Amendment may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and all such counterparts shall constitute one and the same instrument. Facsimile signatures shall be deemed
valid and binding to the same extent as the original. 

 [signature page follows] 

  
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 IN WITNESS WHEREOF, Buyer and Seller have caused their names to be signed hereto by their respective
officers thereunto duly authorized as of the date first written above. Buyer shall have no obligation to honor the terms and conditions of this Amendment if Seller fails to fully execute and return this document to Buyer within three (3) days
after the date hereof. 
  

					
	BANK OF AMERICA, N.A.	  	            	  	LOANDEPOT.COM, LLC 
			
	By:
                                         
                   	  		  	By:
                                         
                               
			
	Name:	  		  	Name:
			
	Title:	  		  	Title:

 Signature Page to Amendment No. 13 to A&R MRA (BANA/loanDepot)EX-10.29.14

 Exhibit 10.29.14 

EXECUTION VERSION 

AMENDMENT NO. 14 TO 

AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT 

THIS AMENDMENT NO. 14 TO AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT (this “Amendment”) is made and entered into as of
August 3, 2020, by and between Bank of America, N.A. (“Buyer”) and loanDepot.com, LLC (“Seller”). This Amendment amends that certain Amended and Restated Master Repurchase Agreement by and between Buyer and
Seller, dated as of July 17, 2015 (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”). 

R E C I T A L S 
 Buyer
and Seller have previously entered into the Agreement pursuant to which Buyer may, from time to time, purchase certain mortgage loans from Seller and Seller agrees to sell certain mortgage loans to Buyer under a master repurchase facility. Buyer and
Seller hereby agree that the Agreement shall be amended as more fully provided herein. 
 In consideration of the mutual promises contained herein, and for
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Buyer and Seller hereby agree as follows: 
  

	1.	 Amendment. Effective as of August 3, 2020, the Agreement is hereby amended as follows:

 (a) Article 3.3 of the Agreement is hereby amended by deleting clause (a) thereof in its
entirety and replacing it with the following (modified text underlined for review purposes): 
  

	 	(a)	 Dry Mortgage Loans. Prior to any Transaction related to a Dry Mortgage Loan (including eMortgage
Loans), Seller shall deliver to Buyer or its Custodian, or authorize and direct the Closing Agent to deliver to Buyer or its Custodian, the related Mortgage Loan Documents; provided that, with respect to an eMortgage Loan, Seller shall
deliver to Custodian each of Buyer’s and Seller’s MERS Org IDs, and shall cause (i) the Authoritative Copy of the related eNote to be delivered to the eVault via a secure electronic file, (ii) the
Controller status of the related eNote to be transferred to Buyer, (iii) the Location status of the related eNote to be transferred to Custodian, and (iv) the Delegatee status of the related eNote to be
transferred to Custodian, in each case using MERS eDelivery and the MERS eRegistry (collectively, the “eNote Delivery Requirements”). 

(b) Article 6.1 of the Agreement is hereby amended by deleting such article in its entirety and replacing it with the
following (modified text underlined for review purposes): 
  

	 	6.1	 Grant of Security Interest in Purchased Assets; Precautionary Grant of Security Interest in Purchased
Mortgage Loans. As security for the performance of all of Seller’s obligations hereunder, Seller hereby pledges, assigns and grants to Buyer a continuing first priority security interest in and lien upon the Purchased Assets and Buyer
shall have all the rights and remedies of a “secured party” under the Uniform Commercial Code with respect to the Purchased Assets. Further, with respect to the Purchased Mortgage Loans, although the parties intend that all Transactions
hereunder be sales and purchases (other than for accounting and tax purposes) and not loans, and without prejudice to the provisions of Section 6.6 and the expressed intent of the parties, if any

	 	
Transactions are deemed to be loans, as security for the performance of all of Seller’s obligations hereunder, or if any determination is made that the servicing rights related to the
Purchased Mortgage Loans were not sold by Seller to Buyer or that the servicing rights are not an interest in a Purchased Mortgage Loan and are severable from the Purchased Mortgage Loan despite Buyer’s and Seller’s express intent herein
to treat them as included in the purchase and sale transaction, Seller hereby pledges, assigns and grants to Buyer a continuing first priority security interest in and lien upon the Purchased Mortgage Loans, including, without limitation, the
servicing rights related to the Purchased Mortgage Loans, and Buyer shall have all the rights and remedies of a “secured party” under the Uniform Commercial Code with respect to the Purchased Mortgage Loans. Possession of any promissory
notes, instruments or documents by the Custodian shall constitute possession on behalf of Buyer, and Control of an eNote by the Custodian shall constitute Control on behalf of Buyer. At any time and from time to time, upon the written request
of Buyer, and at the sole expense of Seller, Seller will promptly and duly execute and deliver, or will promptly cause to be executed and delivered, such further instruments and documents and take such further action as Buyer may request for the
purpose of obtaining or preserving the full benefits of this Agreement and of the rights and powers herein granted, including, without limitation, the filing of any financing or continuation statements under the Uniform Commercial Code in effect in
any jurisdiction with respect to the Purchased Assets, the Purchased Mortgage Loans and the liens created hereby. Seller also hereby authorizes Buyer to file any such financing or continuation statement in a manner consistent with this Agreement to
the extent permitted by applicable law. For purposes of the Uniform Commercial Code and all other relevant purposes, this Agreement shall constitute a security agreement. 

(c) Article 7.2 of the Agreement is hereby amended by deleting the final paragraph of such article in its entirety and
replacing it with the following (modified text underlined for review purposes): 
 For the avoidance of doubt, notwithstanding that
foregoing conditions may be satisfied with respect to any Transaction request, Buyer shall be under no obligation to enter into any Transaction, including, without limitation, Transactions the subject of which are eMortgage Loans, and whether
the Buyer enters into any Transaction shall be at the sole and good faith discretion of Buyer. 
 (d) Article 9.3 of
the Agreement is hereby amended by (i) deleting the “and” at the end of clause (o), (ii) deleting the “.” at the end of clause (p) and replacing it with “; and”, and (iii) adding the following new clause
(q) immediately at the end thereof: 
  

	 	(q)	 upon Seller becoming aware of any Control Failure with respect to a Purchased Mortgage Loan that is an
eMortgage Loan or any eNote Replacement Failure. 

 (e) Article 9 of the Agreement is hereby amended
by adding the following new article immediately at the end thereof: 
  

	 	9.13	 MERS. Seller will comply in all material respects with the rules and procedures of MERS in
connection with the servicing of all Purchased Mortgage Loans that are registered with MERS and, with respect to Purchased Mortgage Loans that are eMortgage Loans, the maintenance of the related eNotes on the MERS eRegistry for as long as such
Purchased Mortgage Loans are so registered. 

  
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 (f) Exhibit A of the Agreement is hereby amended by deleting the definitions
of “Custodial Agreement” and “Electronic Tracking Agreement” in their respective entireties and replacing them with the following (modified text underlined for review purposes): 

Custodial Agreement: That certain Second Amended and Restated Custodial Agreement, dated as of
August 3, 2020, among Buyer, Seller and Custodian, as the same may be amended, supplemented or otherwise modified from time to time. 

Electronic Tracking Agreement: One or more Electronic Tracking Agreements with respect to
(x) the tracking of changes in the ownership, mortgage servicers and servicing rights ownership of Purchased Mortgage Loans held on the MERS System, and (y) the tracking of the Control of eNotes held on the MERS
eRegistry, each in a form acceptable to Buyer. 
 (g) Exhibit A of the Agreement is hereby further amended by
inserting the following new definitions in the appropriate alphabetical order: 
 Agency-Required eNote Legend: The legend or
paragraph required by Fannie Mae or Freddie Mac, as applicable, to be set forth in the text of an eNote, which includes the provisions set forth on Exhibit 19 to the Custodial Agreement, as may be amended from time to time by Fannie Mae or Freddie
Mac, as applicable. 
 Authoritative Copy: With respect to an eNote, the unique copy of such eNote that is within the Control
of the Controller. 
 Bailee Letter: As defined in the Custodial Agreement. 

Control: With respect to an eNote, the “control” of such eNote within the meaning of UETA and/or, as applicable, E-SIGN, which is established by reference to the MERS eRegistry and any party designated therein as the Controller. 

Control Failure: With respect to an eNote, (i) if the Controller status of the eNote shall not have been transferred to
Buyer, (ii) Buyer shall otherwise not be designated as the Controller of such eNote in the MERS eRegistry (other than pursuant to a Bailee Letter), (iii) if the eVault shall have released the Authoritative Copy of an eNote in contravention of
the requirements of the Custodial Agreement, or (iv) if the Custodian initiated any changes on the MERS eRegistry in contravention of the terms of the Custodial Agreement. 

Controller: With respect to an eNote, the party designated in the MERS eRegistry as the “Controller”, and who in such
capacity shall be deemed to be “in control” or to be the “controller” of such eNote within the meaning of UETA or E-SIGN, as applicable. 

Delegatee: With respect to an eNote, the party designated in the MERS eRegistry as the “Delegatee” or “Delegatee
for Transfers”, who in such capacity is authorized by the Controller to perform certain MERS eRegistry transactions on behalf of the Controller such as Transfers of Control and Transfers of Control and Location. 

  
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 Electronic Agent: MERSCORP Holdings, Inc., or its successor in interest or
assigns. 
 Electronic Record: With respect to an eMortgage Loan, the related eNote and all other documents comprising the
Mortgage Loan File electronically created and that are stored in an electronic format, if any. 
 eMortgage Loan: A Mortgage
Loan with respect to which there is an eNote and as to which some or all of the other documents comprising the related Mortgage Loan File may be created electronically and not by traditional paper documentation with a pen and ink signature. 

eNote: With respect to any eMortgage Loan, the electronically created and stored Mortgage Note that is a Transferable Record.

 eNote Delivery Requirement: As defined in Section 3.3(a). 

eNote Replacement Failure: As defined in the Custodial Agreement. 

E-SIGN: The Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §
7001 et seq. 
 eVault: An electronic repository established and maintained by an eVault Provider for delivery and storage of
eNotes. 
 eVault Provider: Document Systems, Inc. d/b/a DocMagic, or its successor in interest or assigns, or such other
entity agreed upon by Custodian and Buyer. 
 Hash Value: With respect to an eNote, the unique, tamper-evident digital
signature of such eNote that is stored with MERS. 
 Location: With respect to an eNote, the location of such eNote which is
established by reference to the MERS eRegistry. 
 MERS eDelivery: The transmission system operated by the Electronic Agent
that is used to deliver eNotes, other Electronic Records and data from one MERS eRegistry member to another using a system-to-system interface and conforming to the
standards of the MERS eRegistry. 
 MERS eRegistry: The electronic registry operated by the Electronic Agent that acts as the
legal system of record that identifies the Controller, Delegatee and Location of the Authoritative Copy of registered eNotes. 
 MERS
Org IDs: As defined in the Custodial Agreement. 
 MERS System: The mortgage electronic registry system operated by the
Electronic Agent that tracks changes in Mortgage ownership, mortgage servicers and servicing rights ownership. 
 Seller’s
Release: A Seller’s release in substantially the form set forth on Exhibit O attached hereto. 

  
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 Servicing Agent: With respect to an eNote, the field entitled, “Servicing
Agent” in the MERS eRegistry. 
 Transfer of Control: With respect to an eNote, a MERS eRegistry transfer transaction used
to request a change to the current Controller of such eNote. 
 Transfer of Control and Location: With respect to an eNote, a
MERS eRegistry transfer transaction used to request a change to the current Controller and Location of such eNote. 
 Transferable
Record: An Electronic Record under E-SIGN and UETA that (i) would be a note under the Uniform Commercial Code if the Electronic Record were in writing, (ii) the issuer of the Electronic
Record has expressly agreed is a “transferable record”, and (iii) for purposes of E-SIGN, relates to a loan secured by real property. 

UETA: The Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on
Uniform State Laws at its Annual Conference on July 29, 1999. 
 Unauthorized Servicing Agent Modification: As defined in
the Custodial Agreement. 
 Warehouse Lender’s Release: A warehouse lender’s release in substantially the form set
forth on Exhibit P attached hereto. 
 (h) Exhibit L of the Agreement, “Representations and Warranties
Concerning Purchased Assets”, is hereby amended by inserting the following new clauses immediately at the end thereof: 
  

	 	(hh)	 eNote Legend. If the Mortgage Loan is an eMortgage Loan, the related eNote contains the Agency-Required
eNote Legend. 

  

	 	(ii)	 eNotes. With respect to each eMortgage Loan, the related eNote satisfies all of the following criteria:

  

	 	(i)	 the eNote bears a digital or electronic signature; 

 

	 	(ii)	 the Hash Value of the eNote indicated in the MERS eRegistry matches the Hash Value of the eNote as reflected in
the eVault; 

  

	 	(iii)	 there is a single Authoritative Copy of the eNote, as applicable and within the meaning of Section 9-105 of the Uniform Commercial Code or Section 16 of the UETA, as applicable, that is held in the eVault; 

 

	 	(iv)	 the Location status of the eNote on the MERS eRegistry reflects the MERS Org ID of the Custodian;

  

	 	(v)	 the Controller status of the eNote on the MERS eRegistry reflects the MERS Org ID of Buyer;

  

	 	(vi)	 the Delegatee status of the eNote on the MERS eRegistry reflects the MERS Org ID of Custodian;

  

	 	(vii)	 the Servicing Agent status of the eNote on the MERS eRegistry reflects the MERS Org ID of Seller;

  

  
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	 	(viii)	 There is no Control Failure, eNote Replacement Failure or Unauthorized Servicing Agent Modification with
respect to such eNote; 

  

	 	(ix)	 the eNote is a valid and enforceable Transferable Record or comprises “electronic chattel paper”
within the meaning of the Uniform Commercial Code; 

  

	 	(x)	 there is no defect with respect to the eNote that would result in Buyer having less than full rights, benefits
and defenses of “Control” (within the meaning of the UETA or the Uniform Commercial Code, as applicable) of the Transferable Record; and 

  

	 	(xi)	 there is no paper copy of the eNote in existence nor has the eNote been
papered-out. 

 (i) The Agreement is hereby amended by adding
Exhibit O immediately following Exhibit N thereof in the form of Annex 1 attached hereto; the Agreement is hereby further amended by adding Exhibit P immediately following the new Exhibit O in the form of Annex
2 attached hereto. 
  

	2.	 No Other Amendments; Conflicts with Previous Amendments. Other than as expressly modified and
amended herein, the Agreement shall remain in full force and effect and nothing herein shall affect the rights and remedies of Buyer as provided under the Agreement. To the extent any amendments to the Agreement contained herein conflict with any
previous amendments to the Agreement, the amendments contained herein shall control. 

  

	3.	 Capitalized Terms. Any capitalized term used herein and not otherwise defined herein shall have
the meaning ascribed to such term in the Agreement. 

  

	4.	 Representations. In order to induce Buyer to execute and deliver this Amendment, Seller hereby
represents to Buyer that as of the date hereof, after giving effect to this Amendment, (i) Seller is in full compliance with all of the terms and conditions of the Principal Agreements and remains bound by the terms thereof, and (ii) no
Potential Default or Event of Default has occurred and is continuing under the Principal Agreements. 

  

	5.	 Governing Law. This Amendment shall be construed in accordance with the laws of the State
of New York without regard to any conflicts of law provisions (except for Section 5-1401 of the New York General Obligations Law which shall govern). All legal actions between or among the parties
regarding the Agreement, including, without limitation, legal actions to enforce the Agreement or because of a dispute, breach or default of the Agreement, shall be brought in the federal or state courts located in New York County, New York, which
courts shall have sole and exclusive in personam, subject matter and other jurisdiction in connection with such legal actions and the parties acknowledge and agree that venue in such courts shall be convenient and appropriate for all purposes.

  

	6.	 Severability. Each provision and agreement herein shall be treated as separate and
independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

  
 6 

	7.	 Counterparts. This Amendment and any document, amendment, approval, consent, information, notice,
certificate, request, statement, disclosure or authorization related to this Amendment (each a “Communication”) may be in the form of an Electronic Record and may be executed using Electronic Signatures (including, without
limitation, facsimile and .pdf) and shall be considered an original, and shall have the same legal effect, validity and enforceability as a paper record. This Amendment may be executed simultaneously in as many counterparts as necessary or
convenient, including both paper and electronic counterparts, but each counterpart shall be deemed to be an original and all such counterparts shall constitute one and the same agreement. For the avoidance of doubt, the authorization under this
paragraph may include, without limitation, use or acceptance by Buyer of a manually signed paper Communication which has been converted into electronic form (such as scanned into PDF format), or an electronically signed Communication converted into
another format, for transmission, delivery and/or retention. Electronic Signatures and facsimile signatures shall be deemed valid and binding to the same extent as the original. For purposes hereof, “Electronic Record” and “Electronic
Signature” shall have the meanings assigned to them, respectively, by 15 USC §7006, as it may be amended from time to time. 

[signature pages follow] 

  
 7 

 IN WITNESS WHEREOF, Buyer and Seller have caused their names to be signed hereto by their respective
officers thereunto duly authorized as of the date first written above. Buyer shall have no obligation to honor the terms and conditions of this Amendment if Seller fails to fully execute and return this document to Buyer within three (3) days
after the date hereof. 
  

					
	BANK OF AMERICA, N.A.	  	            	  	LOANDEPOT.COM, LLC 
			
	By:
                                         
                   	  		  	By:
                                         
                               
	Name:	  		  	Name:
	Title:	  		  	Title:

 Signature Page to Amendment No. 14 to A&R MRA (BANA/loanDepot) 

 ANNEX 1 

EXHIBIT O 
  

FORM OF SELLER’S RELEASE 
 Bank of America,
N.A. 
 Warehouse Lending 
 200 N. College St. 

Mail Code: NC1-004-04-21 

Charlotte, North Carolina 28255 
 Telephone: (800) 669-2955 Facsimile: (704) 376-7231 
 Attention: Warehouse Lending Collateral Team

 Ladies and Gentlemen: 
 Reference is made to
the Amended and Restated Master Repurchase Agreement, dated as of July 17, 2015 (as amended, restated, supplemented or otherwise modified and in effect from time to time, the “Repurchase Agreement”) between Bank of America,
N.A. (“Buyer”) and loanDepot.com, LLC (“Seller”). Capitalized terms used herein but not defined herein shall have the meanings ascribed to such terms in the Repurchase Agreement. 

With respect to the mortgage loans referenced in the attached schedule (GNMA/FNMA/FHLMC Pool/Contract # _________) such pool consisting of
____ loans with an aggregate principal balance of $ ____, (a) we hereby certify to you that the mortgage loans are not subject to a lien of any warehouse lender and (b) we hereby release all right, interest or claim of any kind with
respect to such mortgage loans, such release to be effective automatically without any further action by any party upon payment from Buyer to Seller of an amount equal to the Purchase Price, in accordance with the wire instructions in effect on the
date of such payment. 
  

			
	Very truly yours,
	
	LOANDEPOT.COM, LLC
		
	By:	 	  

		 	Name:
		 	Title:

  
 O-1 

 ANNEX 2 

EXHIBIT P 
 FORM OF
WAREHOUSE LENDER’S RELEASE 
 Bank of America, N.A. 

Warehouse Lending 
 200 N. College St. 

Mail Code: NC1-004-04-21 

Charlotte, North Carolina 28255 
 Telephone: (800) 669-2955 Facsimile: (704) 376-7231 
 Attention: Warehouse Lending Collateral Team

 Ladies and Gentlemen: 
 Reference is made
to the Amended and Restated Master Repurchase Agreement, dated as of July 17, 2015 (as amended, restated, supplemented or otherwise modified and in effect from time to time, the “Repurchase Agreement”) between Bank of America,
N.A. (“Buyer”) and loanDepot.com, LLC (“Seller”). Capitalized terms used herein but not defined herein shall have the meanings ascribed to such terms in the Repurchase Agreement. 

We hereby release all right, interest or claim of any kind (including, without limitation, any security interest or lien) with respect to the
mortgage loans referenced in the attached schedule, such release to be effective automatically without any further action by any party, upon payment, in one or more installments in accordance with the wire instructions below, in immediately
available funds, of an aggregate amount equal to or greater than $__________________. 
  

			
		 	Wire Instructions:
		 	Bank:                                     
                                         
  
	                    	 	ABA#:                                     
                                         
  
		 	Account
Number:                                        
                                    
		 	Account
Name:                                        
                                
		 	Attention:                                    
                                        

  

			
	Very truly yours,
	
	[WAREHOUSE LENDER]
		
	By:	 	
                 

		 	Name:
		 	Title:

  
 P-1

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