First Amendment to Amended and Restated Master Repurchase Agreement, dated September 15, 2023, by and between CMFT RE Lending RF Sub DB, LLC, as seller, CMFT RE Lending Sub DB Holdco, LLC, as member, and Deutsche Bank AG, New York Branch, as buyer

This FIRST AMENDMENT TO AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT, dated as of September 15, 2023 (this “Amendment”), by and among CMFT RE LENDING RF SUB DB, LLC, a Delaware limited liability company organized in series (“Master Seller”), CIM REAL ESTATE FINANCE TRUST, INC., a Maryland corporation (“Guarantor”), CMFT RE LENDING SUB DB HOLDCO, LLC, a Delaware limited liability company (“Member”), and DEUTSCHE BANK AG, NEW YORK BRANCH (“Buyer”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Repurchase Agreement (as defined below).

WHEREAS, Master Seller and Buyer are parties to that certain Amended and Restated Master Repurchase Agreement, dated as of December 23, 2021 (as amended, modified and/or restated, the “Repurchase Agreement”);

WHEREAS, in connection with the Repurchase Agreement, Guarantor made and entered into that certain Guaranty, dated as of October 8, 2021, for the benefit of Buyer (as amended, modified and/or restated from time to time, the “Guaranty”);

WHEREAS, in connection with the Repurchase Agreement, Member made and entered into that certain Member Guaranty, dated as of October 8, 2021, for the benefit of Buyer (as amended, modified and/or restated from time to time, the “Member Guaranty”); and

WHEREAS, Master Seller and Buyer have agreed to amend the Repurchase Agreement upon the terms and subject to the conditions set forth herein.

NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Master Seller, on behalf of itself and each Series Seller that is a party to any Transaction under the Repurchase Agreement, and Buyer each hereby agree as follows:

1.Amendments of Repurchase Agreement. The following defined terms as set forth in Section 2(a) of the Repurchase Agreement are hereby amended and restated in their entirety to read as follows:

“Cash Management Account” shall mean a demand deposit account, entitled “CMFT RE Lending RF Sub DB, LLC f/b/o Deutsche Bank AG, New York Branch, as Secured Party”, established at Depository, bearing account number AA5592.

“Controlled Account Agreement” shall mean that certain Account Control Agreement, dated as of September 15, 2023, among Master Seller (on behalf of itself and each Series Seller), Depository and Buyer, relating to the Cash Management Account, as the same may be amended, modified and/or restated from time to time.

“Depository” shall mean Deutsche Bank Trust Company Americas, or any successor Depository appointed by Buyer with the prior written consent of Master Seller (which consent shall not be unreasonably withheld or delayed).

2.Representations, Warranties and Covenants. Master Seller, on behalf of itself and each Series Seller that is party to any Transaction under the Repurchase Agreement as of the date hereof, hereby represents and warrants to Buyer, as of the date hereof, that (i) it is in

compliance in all material respects with all of the terms and provisions set forth in each Transaction Document to which it is a party on its part to be observed or performed, (ii) no Event of Default or, to Master Seller’s Knowledge, Default has occurred and is continuing. Master Seller, on its own behalf and on behalf of each Series Seller that is party to any Transaction under the Repurchase Agreement as of the date hereof, hereby confirms and reaffirms its representations, warranties and covenants contained in the Repurchase Agreement.

3.Acknowledgement. Master Seller hereby acknowledges that Buyer is in compliance with its undertakings and obligations under the Repurchase Agreement and the other Transaction Documents.

4.Limited Effect. Except as expressly amended and modified by this Amendment, the Repurchase Agreement and each of the other Transaction Documents shall continue to be, and shall remain unmodified and in full force and effect in accordance with their respective terms; provided, however, that from and after the date hereof, each (x) reference therein and herein to the “Transaction Documents” shall be deemed to include, in any event, this Amendment, (y) each reference to the “Repurchase Agreement” in any of the Transaction Documents shall be deemed to be a reference to the Repurchase Agreement as amended by this Amendment, and (z) each reference in the Repurchase Agreement to “this Agreement”, this “Repurchase Agreement”, “hereof”, “herein” or words of similar effect in referring to the Repurchase Agreement shall be deemed to be references to the Repurchase Agreement as amended by this Amendment.

5.Reaffirmation of Guaranty and Member Guaranty. Guarantor acknowledges the amendment and modification of the Repurchase Agreement pursuant to this Amendment and hereby ratifies and reaffirms all of the terms, covenants and conditions of the Guaranty, and agrees that the Guaranty remains unmodified and in full force and effect and enforceable in accordance with its terms. Member acknowledges the amendment and modification of the Repurchase Agreement pursuant to this Amendment and hereby ratifies and reaffirms all of the terms, covenants and conditions of the Member Guaranty, and agrees that the Member Guaranty remains unmodified and in full force and effect and enforceable in accordance with its terms.

6.Counterparts. This Amendment may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. This Amendment may be delivered by facsimile transmission, by electronic mail, or by other electronic transmission, in portable document format (.pdf) or otherwise, and each such executed facsimile, .pdf, or other electronic record shall be considered an original executed counterpart for purposes of this Amendment. Each party to this Amendment (a) agrees that it will be bound by its own electronic signature, (b) accepts the electronic signature of each other party to this Amendment and each Transaction Document, and (c) agrees that such electronic signatures shall be the legal equivalent of manual signatures as and to the extent provided in accordance with applicable laws, rules and regulations as in effect from time to time applicable to electronic signatures.

7.Expenses. Master Seller agrees to pay and reimburse Buyer for all out-of- pocket costs and expenses actually incurred by Buyer in connection with the preparation, execution and delivery of this Amendment, including, without limitation, the reasonable fees and disbursements of Buyer’s outside counsel.