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SEC Filings

Form 10-K
DITECH HOLDING CORP filed this Form 10-K on 04/16/2019
Document Outline
Entire Document (24429.6 KB)
Subdocument 1 - 10-K - 10-K
Page 1 - UNITED STATES
Page 2 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 3 - Safe Harbor Statement Under the Private Securities Litigation Reform Act of 1995
Page 4 - N/A
Page 5 - N/A
Page 6 - PART I
Page 7 - Delisting of our Common Stock
Page 8 - N/A
Page 9 - Business Segments
Page 10 - N/A
Page 11 - Subservicing
Page 12 - Reverse Mortgage Segment
Page 13 - Competition
Page 14 - Transactions with NRM
Page 15 - Rights Agreement
Page 16 - Transfer Restrictions
Page 17 - State Law
Page 18 - Recent Regulatory Developments
Page 19 - Reverse Mortgage Segment
Page 20 - ITEM 1A. RISK FACTORS
Page 21 - There can be no assurance that our Strategic Review will result in any bids representing higher or b
Page 22 - The DHCP Plan contemplates that we will be a privately held company after emergence from the DHCP Ch
Page 23 - In certain instances, a Chapter 11 case may be converted to a case under Chapter 7 of the Bankruptcy
Page 24 - Our emergence from the WIMC Reorganization proceedings reduced or eliminated our tax attributes and
Page 25 - N/A
Page 26 - Our failure to comply with existing and future rules and regulations relating to the origination and
Page 27 - Legal proceedings and related costs may increase and could adversely affect our financial results.
Page 28 - We may not be able to generate sufficient cash to meet all of our obligations or service all of our
Page 29 - Our business strategy may not be successful in returning us to profitability.
Page 30 - Our mortgage servicing business involves significant operational risks.
Page 31 - A downgrade in our servicer ratings could have an adverse effect on our business, financial conditio
Page 32 - Ginnie Mae, with respect to GMBS for which we are the issuer and the servicer of the underlying mort
Page 33 - Our subservicing clients can typically terminate our subservicing contracts with or without cause.
Page 34 - Our failure to maintain or grow our servicing business could have a material adverse effect on our b
Page 35 - Changes in prepayment rates on loans we service due to changes in interest rates, government mortgag
Page 36 - We may not be able to grow our loan originations business, which could adversely affect our business
Page 37 - The expiration of, or changes to, government mortgage modification, refinancing or other programs co
Page 38 - We service and securitize reverse loans and, until early 2017, originated reverse loans, which subje
Page 39 - If our estimated liability with respect to interest curtailment obligations arising out of servicing
Page 40 - We may suffer operating losses as a result of not being fully reimbursed for certain costs and inter
Page 41 - A loss of RMS' approved status under reverse loan programs operated by the FHA, HUD or Ginnie Mae co
Page 42 - Failure to hedge effectively against interest rate changes may adversely affect our results of opera
Page 43 - We may be unable to protect our technology or keep up with the technology of our competitors.
Page 44 - Negative public opinion could damage our reputation and adversely affect our earnings.
Page 45 - We use, and will continue to use, analytical models and data in connection with, among other things,
Page 46 - Accounting rules for our business continue to evolve, are highly complex, and involve significant ju
Page 47 - Our business could suffer if we fail to attract, or retain, highly skilled senior managers and other
Page 48 - Our authorized but unissued shares of common and preferred stock may prevent a change in our control
Page 49 - Walter Energy Tax Matters.
Page 50 - ITEM 1B. UNRESOLVED STAFF COMMENTS
Page 51 - DHCP Reorganization Proceedings
Page 52 - Kamimura, Lee C. v. Green Tree Servicing LLC
Page 53 - ITEM 4. MINE SAFETY DISCLOSURES
Page 54 - PART II
Page 55 - Issuer Purchases of Equity Securities
Page 56 - N/A
Page 57 - Investments in MSR
Page 58 - Servicing -
Page 59 - Financial Highlights
Page 60 - Emergence from the WIMC Reorganization Proceedings
Page 61 - Second Lien Notes
Page 62 - Servicer Advance Financing Facilities
Page 63 - Results of Operations Comparison of Consolidated Results of Operations (dollars in thousands):
Page 64 - Net Servicing Revenue and Fees
Page 65 - Interest Income on Loans
Page 66 - N/A
Page 67 - Depreciation and Amortization
Page 68 - Net Losses on Extinguishment of Debt
Page 69 - Non-GAAP Financial Measures
Page 70 - N/A
Page 71 - Adjusted EBITDA
Page 72 - Reconciliation of GAAP Consolidated Income (Loss) Before Income Taxes to Adjusted EBITDA (in thousan
Page 73 - N/A
Page 74 - Servicing Segment
Page 75 - Mortgage Loan Servicing Portfolio
Page 76 - N/A
Page 77 - Net Servicing Revenue and Fees
Page 78 - Servicing Rights Carried at Fair Value
Page 79 - Interest Income on Loans
Page 80 - Interest Expense
Page 81 - Other Losses
Page 82 - Originations Segment
Page 83 - N/A
Page 84 - Net Gains on Sales of Loans
Page 85 - Other Revenues
Page 86 - Adjusted EBITDA
Page 87 - Reverse Mortgage Segment
Page 88 - Reverse Mortgage Servicing Portfolio
Page 89 - Net Fair Value Gains on Reverse Loans and Related HMBS Obligations
Page 90 - Net Servicing Revenue and Fees
Page 91 - General and Administrative Expenses
Page 92 - Corporate and Other Non-Reportable Segment
Page 93 - General and Administrative Expenses
Page 94 - DHCP Chapter 11 Cases
Page 95 - N/A
Page 96 - DHCP DIP Warehouse Facilities
Page 97 - Servicing Advance Facilities
Page 98 - Early Advance Reimbursement Agreement
Page 99 - Representations and Warranties
Page 100 - Reverse Mortgage Business
Page 101 - Reverse Loan Securitizations
Page 102 - Reverse Loan Servicer Obligations
Page 103 - N/A
Page 104 - N/A
Page 105 - Second Lien Notes
Page 106 - Corporate Debt - Pre-Bankruptcy Emergence (WIMC)
Page 107 - Senior Notes
Page 108 - Contractual Obligations
Page 109 - Certain Capital Requirements and Guarantees
Page 110 - Investing Activities
Page 111 - Real Estate Market Risk
Page 112 - Impact of Inflation and Changing Prices
Page 113 - Servicer Ratings
Page 114 - Off-Balance Sheet Arrangements
Page 115 - N/A
Page 116 - Reverse Loans and HMBS Related Obligations
Page 117 - Interest Rate Lock Commitments
Page 118 - Other Long-Lived Assets
Page 119 - Fresh Start Accounting
Page 120 - Glossary of Terms
Page 121 - Charged-off loans
Page 122 - DHCP RSA
Page 123 - GTAAFT Facility
Page 124 - Net realizable value
Page 125 - SEC
Page 126 - Walter Investment Management
Page 127 - ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
Page 128 - Servicing Rights Carried at Fair Value
Page 129 - Residential Loans Held for Sale and Related Freestanding Derivatives
Page 130 - Mortgage Loans and Related Mortgage-backed Debt
Page 131 - Changes in Internal Control Over Financial Reporting
Page 132 - ITEM 9B. OTHER INFORMATION
Page 133 - PART III
Page 134 - PART IV
Page 135 - INDEX TO EXHIBITS
Page 136 - N/A
Page 137 - N/A
Page 138 - N/A
Page 139 - N/A
Page 140 - N/A
Page 141 - N/A
Page 142 - N/A
Page 143 - N/A
Page 144 - N/A
Page 145 - N/A
Page 146 - N/A
Page 147 - SIGNATURES
Page 148 - N/A
Page 149 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 150 - Report of Independent Registered Public Accounting Firm
Page 151 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 152 - N/A
Page 153 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 154 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 155 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 156 - CONSOLIDATED STATEMENTS OF CASH FLOWS
Page 157 - DITECH HOLDING CORPORATION AND SUBSIDIARIES
Page 158 - Use of Estimates
Page 159 - N/A
Page 160 - 2. Emergence from the WIMC Reorganization Proceedings
Page 161 - Reorganization Items and Fresh Start Accounting Adjustments
Page 162 - Fresh Start Accounting
Page 163 - N/A
Page 164 - N/A
Page 165 - 3. Significant Accounting Policies
Page 166 - Residential Loans at Amortized Cost, Net
Page 167 - Loan Modifications
Page 168 - Residential Loans Held for Sale
Page 169 - Receivables Related to Non-Residual Trusts
Page 170 - Servicer and Protective Advances, Net
Page 171 - Premises and Equipment, Net
Page 172 - Debt and Other Obligations
Page 173 - Advertising Costs
Page 174 - NRM Subservicing Agreement
Page 175 - 5. Variable Interest Entities
Page 176 - Servicer and Protective Advance Financing Facilities
Page 177 - Revolving Credit Facilities-Related VIEs
Page 178 - N/A
Page 179 - Unconsolidated Variable Interest Entities
Page 180 - Transfers of Reverse Loans
Page 181 - 7. Fair Value
Page 182 - Items Measured at Fair Value on a Recurring Basis
Page 183 - N/A
Page 184 - N/A
Page 185 - N/A
Page 186 - Residential loans
Page 187 - N/A
Page 188 - Fair Value Option
Page 189 - Items Measured at Fair Value on a Non-Recurring Basis
Page 190 - Fair Value of Other Financial Instruments
Page 191 - Servicing advance liabilities
Page 192 - 8. Freestanding Derivative Financial Instruments
Page 193 - Allowance for Loan Losses
Page 194 - 10. Residential Loans at Fair Value
Page 195 - Credit Risk
Page 196 - 13. Servicing of Residential Loans
Page 197 - Net Servicing Revenue and Fees
Page 198 - Servicing Rights Carried at Fair Value
Page 199 - Fair Value of Originated Servicing Rights
Page 200 - 14. Goodwill and Intangible Assets, Net
Page 201 - N/A
Page 202 - 15. Premises and Equipment, Net
Page 203 - 17. Payables and Accrued Liabilities
Page 204 - N/A
Page 205 - N/A
Page 206 - 18. Servicing Advance Liabilities
Page 207 - 19. Warehouse Borrowings
Page 208 - N/A
Page 209 - 20. Corporate Debt
Page 210 - N/A
Page 211 - Second Lien Notes
Page 212 - Senior Notes
Page 213 - 22. HMBS Related Obligations
Page 214 - Stock Options
Page 215 - Method and Assumptions Used to Estimate Fair Values of Performance-Share Awards
Page 216 - Share-Based Compensation Expense
Page 217 - N/A
Page 218 - N/A
Page 219 - Uncertain Tax Positions
Page 220 - 25. Equity and Earnings (Loss) Per Share
Page 221 - Termination of Rights Agreement
Page 222 - Dividends on Common Stock
Page 223 - 26. Supplemental Disclosures of Cash Flow Information
Page 224 - 27. Segment Reporting
Page 225 - N/A
Page 226 - 28. Certain Capital Requirements and Guarantees
Page 227 - 29. Commitments and Contingencies
Page 228 - Unfunded Commitments
Page 229 - Mortgage Origination Contingencies
Page 230 - Mortgage Loans
Page 231 - Courtney Elkin, et al. vs. Walter Investment Management Corp., et al.
Page 232 - Michael E. Vacek, Jr., et al. vs. George M. Awad, et al
Page 233 - Tax Separation Agreement
Page 234 - Key Employee Retention Plan and Severance Benefits
Page 235 - 30. Quarterly Results of Operations (Unaudited)
Page 236 - 31. Subsequent Events
Page 237 - DHCP DIP Warehouse Facilities
Page 238 - Ginnie Mae Notice of Violation
Page 239 - Ditech Holding Corporation
Page 240 - Ditech Holding Corporation
Page 241 - Ditech Holding Corporation
Page 242 - Ditech Holding Corporation
Page 243 - Reorganization Items and Fresh Start Accounting Adjustments
Page 244 - 5. Subsequent Events
Page 245 - N/A
Page 246 - DHCP DIP Warehouse Facilities
Subdocument 2 - EX-10.28.11 - EXHIBIT 10.28.11
Page 1 - DITECH AGENCY ADVANCE TRUST,
Page 2 - TABLE OF CONTENTS
Page 3 - U.S. CREDIT RISK RETENTION....................................................24
Page 4 - Indenture SupplementEffective DateIssuerWells FargoIndenture TrusteeCalculation AgentPaying AgentSec
Page 5 - Section 1. Creation of Series 2019-VF1 Notes.
Page 6 - Advance Rates
Page 7 - Cash Equivalents
Page 8 - multiplied by
Page 9 - GAAP
Page 10 - Interest Day Count Convention
Page 11 - Maximum Committed Purchase PriceSection 18
Page 12 - Petition Date
Page 13 - RMS Repurchase Agreement
Page 14 - providedhoweverprovidedhowever
Page 15 - Section 4(b)
Page 16 - Trust Agreement
Page 17 - Section 5.Administrative Agent.
Page 18 - provided that
Page 19 - Section 4.5
Page 20 - Section 9.Increased Costs.
Page 21 - Section 4.5(a)(1)(ii)Section 4.5(a)(2)(iv)providedhoweverSection 4.5(a)(1)(ix)Section 4.5(a)(2)(iv)
Page 22 - Series Calculation Agent ReportSection 3.1
Page 23 - Limitation on Indenture Trustee Duties
Page 24 - providedhowever
Page 25 - Section 6.10Article XIISection 12.2
Page 26 - Section 16Section 16
Page 27 - Section 21.Conditions Precedent to Effectiveness of this Indenture Supplement.
Page 28 - Section 24.Choice of Law.
Page 29 - If to Barclays Bank PLC, as Administrative Agent
Page 30 - IN WITNESS WHEREOF,
Page 31 - N/A
Page 32 - DITECH FINANCIAL LLC
Page 33 - N/A
Page 34 - SCHEDULE 1
Page 35 - Exhibit A
Page 36 - Exhibit B
Subdocument 3 - EX-10.29.9 - EXHIBIT 10.29.9
Page 1 - N/A
Page 2 - Table of Contents
Page 3 - Indenture SupplementEffective DateIssuerWells FargoIndenture TrusteeCalculation AgentPaying AgentSec
Page 4 - N/A
Page 5 - Section 1. Creation of Series 2019-VF1 Notes.
Page 6 - Administrative Agent
Page 7 - Barclays Purchaser Group
Page 8 - per annum
Page 9 - Hague ConventionSection 12(g)
Page 10 - Issuance Date
Page 11 - Maximum Weighted Average Advance Rate
Page 12 - Omnibus Agreement
Page 13 - Series 2019-VF1 Note Balance
Page 14 - Target Amortization Event
Page 15 - N/A
Page 16 - Transaction Documents
Page 17 - per annum
Page 18 - Section 5. Administrative Agent.
Page 19 - Section 5
Page 20 - Section 8
Page 21 - clause 4.5(a)(2)(iii)(D)firstsecondthirdfourth
Page 22 - pro rata
Page 23 - Section 9. Increased Costs.
Page 24 - N/A
Page 25 - Increased Costsprovidedhowever
Page 26 - Limitation on Indenture Trustee Duties
Page 27 - Section 12. Representations and Warranties; Covenants.
Page 28 - DIP Administrative Agent
Page 29 - Section 13. Amendments.
Page 30 - Section 14. Counterparts.
Page 31 - Section 16Section 16
Page 32 - Section 19. Assignment.
Page 33 - Section 23. No Petition.
Page 34 - AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW) AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
Page 35 - N/A
Page 36 - N/A
Page 37 - IN WITNESS WHEREOF,
Page 38 - N/A
Page 39 - N/A
Page 40 - SCHEDULE 1
Page 41 - Exhibit A
Page 42 - Exhibit B
Subdocument 4 - EX-10.30.6 - EXHIBIT 10.30.6
Page 1 - Execution Copy
Page 2 - TABLE OF CONTENTS
Page 3 - N/A
Page 4 - SCHEDULES AND EXHIBITS
Page 5 - AMENDED AND RESTATED
Page 6 - providedSection 3(j)Transaction
Page 7 - Accrual Periodprovided
Page 8 - Aged REO Property
Page 9 - Bank
Page 10 - clause (c)clause (c)clauses (a)(g)
Page 11 - Converted REO PropertySection 3(j)(iv)
Page 12 - Eligible Ginnie Mae Tail HMBSExhibit B-4
Page 13 - FHA
Page 14 - Guarantor
Page 15 - Indebtedness
Page 16 - LLC Agreement
Page 17 - Monthly Payment Date
Page 18 - Nominee
Page 19 - Omnibus Agreement
Page 20 - Program Documents
Page 21 - Section 7(b)
Page 22 - Records
Page 23 - Repurchase PriceSection 3(f)
Page 24 - Securitization Entityclause (i)provided
Page 25 - Servicing Records
Page 26 - Verification Agent
Page 27 - provided
Page 28 - Required RecipientRequired Delivery ItemRequired Delivery TimeRequired Purchase Time
Page 29 - Section 3(f)
Page 30 - Breakage CostsSection 3(h)
Page 31 - Direct Transfer REO Property
Page 32 - provided(x)(y)clause (iii)
Page 33 - Confirmation
Page 34 - clauses (ii) (iv)Margin DeficitMargin CallAdditional Purchased Mortgage Loansprovided
Page 35 - TaxesSection 8(d)
Page 36 - Section 8(d)Section 8(d)Section 8Section 8(a)Section 8(c)providedhoweverSection 8(d)
Page 37 - Section 8Section 8
Page 38 - Exhibit Dclause (F)
Page 39 - Section 18
Page 40 - providedprovidedfurther
Page 41 - N/A
Page 42 - clause (a)Section 10
Page 43 - Section 3(f)Sections 1516(f)(ii)
Page 44 - Due Organization, Qualification, Power, Authority and Due Authorization
Page 45 - Valid and Binding Obligations
Page 46 - Reserved
Page 47 - Good Title
Page 48 - Defense of Title
Page 49 - No Economic Interest
Page 50 - providedhowever
Page 51 - providedhoweverclause (5)
Page 52 - providedhoweverclause (6)
Page 53 - N/A
Page 54 - Maintenance of Approvals
Page 55 - Affiliate Transaction
Page 56 - REO Subsidiary Governing Documents
Page 57 - Most Favored StatusSection 14(g)(ii)More Favorable Agreementprovided
Page 58 - RMS to Subservice
Page 59 - Servicing TermprovidedSection 14(t)
Page 60 - Section 16(f)
Page 61 - Section 16(i)
Page 62 - Section 16(i)Section 16(i)
Page 63 - N/A
Page 64 - Section 9(b)
Page 65 - N/A
Page 66 - Indemnified Party
Page 67 - Section 23(a)
Page 68 - Section 23(a)Section 23(a)
Page 69 - providedRegisterAssignment and Acceptance
Page 70 - Participations
Page 71 - SECTION 5
Page 72 - Section 18Section 18
Page 73 - providedSections 618
Page 74 - N/A
Page 75 - N/A
Page 76 - SECprovided
Page 77 - N/A
Page 78 - Section 37
Page 79 - Section 38
Page 80 - Section 42
Page 81 - Section 10
Page 82 - /s/ Andrew Dokos
Page 83 - EXHIBIT A
Page 84 - EXHIBIT B-1
Page 85 - N/A
Page 86 - N/A
Page 87 - N/A
Page 88 - EXHIBIT B-2
Page 89 - Consents and Approvals
Page 90 - Conveyance; First Priority Lien
Page 91 - EXHIBIT B-3
Page 92 - REO Property as Described
Page 93 - No Condemnation
Page 94 - FHA
Page 95 - EXHIBIT B-4
Page 96 - Margin Regulations
Page 97 - EXHIBIT C
Page 98 - Receipted Assets
Page 99 - N/A
Page 100 - SCHEDULE 1 TO TRANSACTION NOTICE
Page 101 - EXHIBIT D
Page 102 - N/A
Page 103 - NOTICE OF ASSIGNMENT, SALE OR TRANSFER
Page 104 - Section 6
Page 105 - EXHIBIT E
Page 106 - N/A
Page 107 - N/A
Page 108 - EXHIBIT F
Page 109 - EXHIBIT G
Page 110 - EXHIBIT H
Subdocument 5 - EX-10.34 - EXHIBIT 10.34
Page 1 - Execution Copy
Page 2 - TABLE OF CONTENTS
Page 3 - SCHEDULES
Page 4 - PARTICIPATION INTEREST SALE AND CONTRIBUTION AGREEMENT
Page 5 - ARTICLE I
Page 6 - Closing Date Stated Principal Balance
Page 7 - Executive OrderSection 3.02(u)
Page 8 - Loss
Page 9 - Mortgage Assets
Page 10 - Exhibits A-1A-2
Page 11 - Servicer
Page 12 - Closing Date Statement
Page 13 - Defect Cure Period
Page 14 - N/A
Page 15 - Section 3.02Representations and Warranties Respecting the Mortgage Assets.
Page 16 - N/A
Page 17 - N/A
Page 18 - N/A
Page 19 - Executive OrderOFAC Regulations
Page 20 - N/A
Page 21 - N/A
Page 22 - Section 3.03Disclaimer of Representations and Warranties Expressed Herein.
Page 23 - Section 3.02(bb)
Page 24 - 3.02Sections 2.04(b)
Page 25 - Due Authority
Page 26 - Use of Seller s Name
Page 27 - provided
Page 28 - Section 4.02Sale Treatment.
Page 29 - Section 4.05Reproduction of Documents.
Page 30 - Section 4.08Governing Law; Forum.
Page 31 - Section 4.10Severability Clause.
Page 32 - RepresentativesSection 4.12Section 4.12
Page 33 - Section 4.13Entire Agreement.
Page 34 - IN WITNESS WHEREOF
Page 35 - RMS 2018-09, LLC,
Page 36 - SCHEDULE I
Page 37 - SCHEDULE II
Page 38 - Wire Instructions
Page 39 - RMS (4)
Page 40 - EXHIBIT A-1
Page 41 - EXHIBIT A-2
Page 42 - EXHIBIT B
Page 43 - EXHIBIT C-1
Page 44 - EXHIBIT C-2
Page 45 - EXHIBIT D
Page 46 - Annex I to Exhibit D
Page 47 - N/A
Page 48 - Schedule 4.01
Page 49 - N/A
Subdocument 6 - EX-10.38 - EXHIBIT 10.38
Page 1 - Execution Copy
Page 2 - Page
Page 3 - N/A
Page 4 - Schedule 1
Page 5 - BarclaysBuyerCommitted BuyerNomuraBuyerCommitted BuyerSeller
Page 6 - 1. Applicability
Page 7 - Additional BuyersSection 42
Page 8 - Appraised Value
Page 9 - Section 22Section 11
Page 10 - Committed Mortgage Loan
Page 11 - Correspondent Seller
Page 12 - EEA Member Country
Page 13 - Excluded TaxesSection 11.e(ii)
Page 14 - FCA
Page 15 - Governmental Authority
Page 16 - Income
Page 17 - Lender Insurance Authority
Page 18 - MERS
Page 19 - Mortgage Note
Page 20 - Non-Performing Mortgage Loan
Page 21 - PBGC
Page 22 - Pro Rata Portions
Page 23 - Repledgee
Page 24 - Servicer Notice
Page 25 - Take-out Investor
Page 26 - VA Approved Lender
Page 27 - Intraday Funding
Page 28 - 4.Repurchase
Page 29 - Section 7
Page 30 - Margin ExcessExcess Margin Notice
Page 31 - 8.Security Interest
Page 32 - 9.Payment and Transfer
Page 33 - Required Documents
Page 34 - Section 11.eSection 11.e
Page 35 - Section 11Section 11.e(ii) (A)
Page 36 - Section 11.e
Page 37 - Section 12.e)
Page 38 - 13.Representations and Warranties
Page 39 - Solvency
Page 40 - Material Adverse Change
Page 41 - Adjusted Tangible Net Worth
Page 42 - Plan Assets
Page 43 - Litigation
Page 44 - Security Interest
Page 45 - Books
Page 46 - Transactions with Affiliates
Page 47 - No Pledge
Page 48 - Lender Insurance Authority
Page 49 - 15.Events of Default
Page 50 - N/A
Page 51 - Section 16.g)
Page 52 - Financial Notices
Page 53 - Section 17.b(1)(2)(3)
Page 54 - Portfolio Performance Data
Page 55 - Repledge TransactionRepledgee
Page 56 - N/A
Page 57 - 21.Entire Agreement; Severability
Page 58 - ParticipationsSection 7
Page 59 - 25.No Waivers, Etc.
Page 60 - FDICIA
Page 61 - Section 28
Page 62 - Section 16
Page 63 - Confidential InformationAct
Page 64 - 34.Periodic Due Diligence Review
Page 65 - Schedule 2Schedule 2Schedule 2
Page 66 - 39.Conflicts
Page 67 - Section 16
Page 68 - Affected Party
Page 69 - 48.Notice Regarding Client Money Rules
Page 70 - /s/ Joseph O Doherty
Page 71 - Schedule 1
Page 72 - No Defenses
Page 73 - Environmental Compliance
Page 74 - Valid First Lien
Page 75 - Full Disbursement of Proceeds
Page 76 - Schedule 1
Page 77 - Origination; Payment Terms
Page 78 - No Additional Collateral
Page 79 - Collection Practices; Escrow Deposits; Interest Rate Adjustments
Page 80 - Construction or Rehabilitation of Mortgaged Property
Page 81 - Mortgage Submitted for Recordation
Page 82 - Tax Service
Page 83 - Co-op Loan: Valid First Lien
Page 84 - TRID Compliance
Page 85 - Schedule 2
Page 86 - ADMINISTRATIVE AGENT AND BARCLAYS (AS A BUYER) AUTHORIZATIONS
Page 87 - NOMURA AUTHORIZATIONS
Page 88 - RESERVED
Page 89 - RESERVED
Page 90 - FORM OF TRANSACTION NOTICE
Page 91 - Schedule 1
Page 92 - N/A
Page 93 - SCHEDULE 1 TO TRANSACTION NOTICE
Page 94 - FORM OF POWER OF ATTORNEY
Page 95 - N/A
Page 96 - N/A
Page 97 - N/A
Page 98 - RESERVED
Page 99 - RESERVED
Page 100 - SELLER S TAX IDENTIFICATION NUMBER
Page 101 - FORM OF CORRESPONDENT SELLER RELEASE
Page 102 - N/A
Page 103 - FORM OF ADDENDUM TO ESCROW INSTRUCTIONS TO BE PROVIDED BY SELLER BEFORE CLOSING
Page 104 - N/A
Page 105 - FORM OF SERVICER NOTICE
Page 106 - N/A
Subdocument 7 - EX-10.39 - EXHIBIT 10.39
Page 1 - EXECUTION VERSION
Page 2 - Definitionsviceversa
Page 3 - Ditech
Page 4 - Party
Page 5 - Margin for All Obligations
Page 6 - Buyer Entities May Act Through Administrative Agent
Page 7 - Appointment as Attorney in Fact
Page 8 - Representations, Warranties and Covenants
Page 9 - Uniform Commercial Code Filings
Page 10 - Section 13(d)Section 13(a)Section 13(b)Section 13(a)
Page 11 - GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF TH
Page 12 - AGREEMENT OR IN ANY OTHER RELATED AGREEMENT SHALL AFFECT ANY RIGHT THAT THE ADMINISTRATIVE AGENT MAY
Page 13 - N/A
Page 14 - /s/ Joseph O Doherty
Page 15 - /s/ Vincent Primiano
Page 16 - /s/ Joanna Colaneri
Page 17 - /s/ Joanna Colaneri
Subdocument 8 - EX-10.40 - EXHIBIT 10.40
Page 1 - Administrative Agent
Page 2 - TABLE OF CONTENTS
Page 3 - Master Refinancing AgreementBarclaysAdministrative AgentNomuraBarclays CapitalNomura SecuritiesDitec
Page 4 - SAF Agency Indenture Supplement
Page 5 - ARTICLE 1:DEFINITIONS
Page 6 - Act of Insolvency
Page 7 - et seq
Page 8 - Chapter 11 Milestones
Page 9 - DIP Guaranty
Page 10 - Ditech/Fannie Agreement
Page 11 - inter alia
Page 12 - inter alia
Page 13 - Maximum Available Funding
Page 14 - Officer s Compliance Certificate
Page 15 - Purchased Assets
Page 16 - SAF PLS Issuer
Page 17 - VFN Draws
Page 18 - N/A
Page 19 - A.Third Party Beneficiary
Page 20 - ARTICLE 4:CERTAIN COVENANTS
Page 21 - Other RMS Financial Covenants
Page 22 - Breach of Representation
Page 23 - Loss or Suspension of Servicer or Issuer Status
Page 24 - RSA Termination
Page 25 - Inability to Performprovidedthat
Page 26 - Security Interest
Page 27 - N/A
Page 28 - ARTICLE 7:FEES AND EXPENSES
Page 29 - E.
Page 30 - B.Other Reporting
Page 31 - F.Counterparts
Page 32 - J.Notices
Page 33 - M.JURISDICTIONEACH PARTY HERETO IRREVOCABLY AND UNCONDITIONALLY AGREES THAT IT WILL NOT COMMENCE ANY
Page 34 - O.General Interpretive Principles
Page 35 - N/A
Page 36 - /s/ Joseph O Doherty
Page 37 - /s/ Kelvin Ji
Page 38 - /s/ Joanna Colaneri
Page 39 - SCHEDULE I
Page 40 - SCHEDULE II
Page 41 - N/A
Page 42 - N/A
Page 43 - EXHIBIT A
Page 44 - EXHIBIT B
Subdocument 9 - EX-21 - EXHIBIT 21
Page 1 - N/A
Subdocument 10 - EX-31.1 - EXHIBIT 31.1
Page 1 - N/A
Subdocument 11 - EX-31.2 - EXHIBIT 31.2
Page 1 - N/A
Subdocument 12 - EX-32 - EXHIBIT 32
Page 1 - N/A
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