[***] Confidential portions of this document have been redacted and filed separately withthe Commission.

[***] – Confidential portions of this document have been redacted and filed separately with the Commission.

Exhibit 10.41.2

AMENDMENT TO MASTER REPURCHASE AGREEMENT

November 1, 2012

This Amendment (the “Amendment”) to the Master Repurchase Agreement (defined below), is entered into on November 1, 2012, by and between Wells Fargo Bank, N.A. (the “Buyer”) and loanDepot.com, LLC, a Delaware limited liability company (the “Seller”).

W I T N E S S E T H:

WHEREAS, Buyer and Seller have entered into a Master Repurchase Agreement, dated as of September 15, 2011, Version 4.1, as amended by the Amendment to Master Repurchase Agreement, dated September 15, 2011 (the “Master Repurchase Agreement”), along with the related Addendum dated as of September 15, 2011, as such Addendum may be amended from time to time (the “Addendum”) pursuant to which the Seller agrees to sell certain mortgage loans and/or securities to the Buyer in exchange for the transfer of funds by the Buyer to the Seller, with a simultaneous agreement by the Buyer to transfer to the Seller such mortgage loans and/or securities at a date certain or on demand, in exchange for the transfer of funds by the Seller to the Buyer; and

WHEREAS, the Master Repurchase Agreement provides for the possible purchase of the Mortgage Loans by a Takeout Investor, and the Parties intend to additionally provide for the issuance of Agency Securities (as defined below) to the Federal Book Account (as defined below) of the Buyer in exchange for consideration as more fully described herein, and the subsequent sale of the Purchased Agency Securities (as defined below) to a Takeout Broker Dealer (as defined below).; and

NOW, THEREFORE, in consideration of the premises and mutual agreements set forth herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Seller and Buyer agree as follows:

1. Section 1 of the Master Repurchase Agreement is hereby deleted in its entirety and replaced as follows:

“From time to time the parties hereto may enter into transactions in which Seller agrees to sell all right, title and interest (including, without limitation, the Servicing Rights (as hereinafter defined)) in and to the Mortgage Loans and Agency Securities (each as hereinafter defined) to Buyer in exchange for the transfer of funds by Buyer to Seller, with a simultaneous agreement by Buyer to transfer to Seller such Mortgage Loans and Agency Securities at a date certain or on demand, in exchange for the transfer of funds by Seller to Buyer. Each such transaction shall be referred to herein as a “Transaction” and, unless otherwise agreed in writing, shall be governed by this Agreement. All sales of Mortgage Loans from Seller to Buyer will be on a servicing-released basis.”

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2. Section 2 (Definitions) of the Master Repurchase Agreement is hereby amended by adding the following definitions thereto, in correct alphabetical order:

“Agency Custodian” means the custodian designated in (i) the Master Ginnie Mae Custodial Agreement, (ii) the Master Fannie Mae Custodial Agreement or (iii) the Master Freddie Mac Custodial Agreement, as applicable, which will be Wells Fargo Bank, N.A. or any other Agency Custodian approved by Buyer in its sole discretion.

“Agency Document Custodian Manual” means (i) the Ginnie Mae Mortgage-Backed Securities Program Document Custodian Manual (as found in Appendix V-1 of the Guide), (ii) the Fannie Mae Requirements for Document Custodians or (iii) the Freddie Mac Document Custody Procedures Handbook, as applicable.

“Agency Security” means a Ginnie Mae Security, a Fannie Mae Security or a Freddie Mac Security, as applicable.

“Agency Security Limit” means the amount set forth on the Addendum for such term.

“Agency Security Margin” means the margin set forth on the Addendum for such term.

“Agency Security Purchase Commitment” means a written commitment, in form and substance satisfactory to Buyer, issued in favor of Seller by a Takeout Broker Dealer pursuant to which that Takeout Broker Dealer commits to purchase one or more Agency Securities.

“Agency Security Purchase Price Percentage” means the percentage set forth on the Addendum for such term.

“Fannie Mae Security” means a mortgage-backed security received in exchange for mortgage loans sold by the Seller to Fannie Mae and issued by Fannie Mae.

“Fannie Mae Seller” means a business organization that is approved to sell mortgages to Fannie Mae.

“Federal Book Account” means the following securities clearing account owned by the Buyer:

Wells Fargo Bank, NA

ABA account # 121-000-248

For Credit to CDO Clearing A/C ###-###-####

Further Credit To: WF MBS I

A/C 80417400

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“Freddie Mac Security” means a mortgage-backed security received in exchange for mortgage loans sold by the Seller to Freddie Mac and issued by Freddie Mac.

“Freddie Mac Seller” means a business organization that is approved to sell mortgages to Freddie Mac.

“Ginnie Mae Issuer” or the “Issuer” means a business organization that, having met certain criteria, has been approved to issue securities guaranteed by Ginnie Mae.

“Ginnie Mae Security” means a mortgage-backed security issued by the Seller for which the timely payment of principal and interest is guaranteed by Ginnie Mae.

“Guide” means (i) the Ginnie Mae Mortgage-Backed Securities Guide, (ii) the Fannie Mae Single Family Selling Guide or (iii) the Freddie Mac Single-Family Seller/Servicer Guide, as applicable and including the applicable Agency Document Custodian Manual, as such Guide may hereafter from time to time be amended.

“Master Agency Custodial Agreement” means (i) the Master Fannie Mae Custodial Agreement, (ii) the Master Freddie Mac Custodial Agreement or (iii) the Master Ginnie Mae Custodial Agreement, as applicable.

“Master Fannie Mae Custodial Agreement” means Fannie Mae Form 2003.

“Master Freddie Mac Custodial Agreement” means Freddie Mac Form 1035.

“Master Ginnie Mae Custodial Agreement” means form HUD-11715.

“Purchased Agency Securities” means the collective reference to Agency Securities sold by Seller to Buyer in a Transaction hereunder.

“Release of Security Interest” means form HUD-11711A, Fannie Mae Form 2004A or Freddie Mac Form 996, as applicable.

“Takeout Broker Dealer” means any broker dealer pre-approved in writing by Buyer, in its sole discretion, to purchase mortgage backed securities from Seller and who issues an Agency Security Purchase Commitment relating to an Agency Security. Takeout Broker Dealers approved by Buyer may be listed in the Manual or specifically approved in an electronic communication sent by Buyer to Seller.

3. Section 2 of the Master Repurchase Agreement is further amended by adding the following definition thereto, in correct alphabetical order:

“NY Committed Amount” shall mean $1,000,000 in aggregate Purchase Price of Mortgage Loans, including all right, title and interest in and to certain Mortgage Loans (including, without limitation, the Servicing Rights) originated by Seller.

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4. The definition of “Agency” is hereby deleted in its entirety and replaced as follows:

“Agency” means GNMA, Fannie Mae or Freddie Mac, as applicable.

5. The definition of “Collection Account” is hereby amended by replacing the reference to “Mortgage Loans” therein with “Purchased Assets.”

6. The definition of “Income” is hereby amended by replacing the reference to “Purchased Mortgage Loan” therein with “Purchased Asset.”

7. The definition of “Market Value” is hereby deleted in its entirety and replaced as follows:

“Market Value” means, with respect to (i) any Purchased Agency Security, and as of any date of determination, the value ascribed to such Purchased Agency Security by Buyer in its sole discretion, using methodology and parameters customarily used by Buyer to value similar assets or (ii) any Purchased Mortgage Loan as of any date of determination, the whole loan servicing released fair market value of such Purchased Mortgage Loan on such date as determined by Buyer (or an Affiliate thereof) in its sole reasonable discretion; provided, however, that the methodology for such determination is consistent with Buyer’s determination with respect to its own portfolio of mortgage loans to which such a determination would be applicable. Without limiting the generality of the foregoing, Seller acknowledges that the Market Value of a Purchased Asset may be reduced to zero by Buyer if:

(i) a breach of a representation, warranty or covenant made by Seller in this Agreement (including, without limitation, any representation, warranty or covenant made on a Schedule or Exhibit including, without limitation, Schedule 1-A and Schedule 1-B) with respect to such Purchased Mortgage Loan has occurred and is continuing;

(ii) such Purchased Mortgage Loan is or becomes a Sub-Performing Mortgage Loan;

(iii) such Purchased Mortgage Loan has been released from the possession of the Custodian under the Custodial Agreement for a period in excess of ten (10) calendar days for a servicing-related issue or twenty (20) calendar days if provided under a bailee letter;

(iv) such Purchased Mortgage Loan or Purchased Agency Security has been subject to a Transaction hereunder for a period of greater than the Maximum Transaction Duration identified on the Addendum for the relevant asset type, provided however, in no event shall a Mortgage Loan or Agency Security be subject to a Transaction for greater than three hundred and sixty four (364) days;

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(v) such Purchased Mortgage Loan is a Wet-Ink Mortgage Loan for which the Mortgage File has not been delivered to the Custodian on or prior to the Wet-Ink Mortgage Loan_Document Receipt Date after the related Purchase Date;

(vi) such Purchased Mortgage Loan is no longer acceptable for purchase by the Takeout Investor under any of the flow purchase or conduit programs for which Seller has been approved, or a Takeout Investor conditions the purchase of such Purchased Mortgage Loan and, in Buyer’s sole determination, such conditions demonstrate an impairment of the marketability of such Purchased Mortgage Loan, or, if such Purchased Mortgage Loan has not been offered to a Takeout Investor, Buyer determines that there is a flaw in such Purchased Mortgage Loan which materially impacts the marketability of such Purchased Mortgage Loan; provided that, in the case of a Purchased Mortgage Loan that has not been offered to a Takeout Investor, if Buyer determines that there is a flaw that materially impacts the marketability of such Purchased Mortgage Loan, Buyer shall notify Seller of such flaw and allow the Seller two Business Days to cure such flaw if, in Buyer’s sole determination, allowing Seller time to cure such flaw does not materially impact Buyer’s interests in, or marketability of, such Purchase Mortgage Loan;

(vii) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Jumbo Mortgage Loans that are Purchased Mortgage Loans exceeds the Jumbo Mortgage Loan Limit;

(viii) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Second Lien Mortgage Loans (including HELOCs, if any) that are Purchased Mortgage loans exceeds the Second Lien Mortgage Loan Limit;

(ix) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Sub-Prime Mortgage Loans that are Purchased Mortgage loans exceeds the Sub-Prime Mortgage Loan Limit;

(x) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Wet-Ink Mortgage Loans that are Purchased Mortgage Loans exceeds the Wet-Ink Mortgage Loan Limit;

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[***] – Confidential portions of this document have been redacted and filed separately with the Commission.

(xi) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Cooperative Loans that are Purchased Mortgage Loans exceeds the Cooperative Loan Limit;

(xii) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Commercial Loans that are Purchased Mortgage Loans exceeds the Commercial Loan Limit;

(xiii) when the Purchase Price for such Purchased Mortgage Loan is added to other Purchased Mortgage Loans, the aggregate Purchase Price of all Purchased Mortgage Loans exceeds the Maximum Aggregate Purchase Price; or

(xiv) when the Purchase Price for such Purchased Agency Security is added to other Purchased Agency Securities, the aggregate Purchase Price for all Purchased Agency Securities exceeds the Agency Security Limit.

8. The definition of “Obligations” is hereby amended by replacing the references to “Purchased Mortgage Loan” therein with “Purchased Assets.”

9. The definition of “Pricing Rate” is hereby amended by adding a new paragraph (i) at the end thereto as follows:

[***]

10. The definition of “Purchase Date” is hereby amended by adding “or Purchased Agency Securities, as applicable” after the reference to “Purchased Mortgage Loans” therein.

11. The definition of “Purchased Assets” is hereby deleted in its entirety and replaced as follows:

“Purchased Assets” means the Purchased Mortgage Loans, the Records, and all related Servicing Rights, the Purchased Agency Securities, the Program Agreements (to the extent such Program Agreements and Seller’s right thereunder relate to the Purchased Mortgage Loans), any Property relating to the Purchased Mortgage Loans, all insurance policies and insurance proceeds relating to any Purchased Mortgage Loan or the related Mortgaged Property, including, but not limited to, any payments or proceeds under any related primary insurance, hazard insurance and FHA Mortgage Insurance Contracts (if any) and VA Loan Guaranty Agreements (if any), Income, all amounts in the Collection Account, all amounts in the Seller’s Clearing Account and the Reserve Account, and any account to which such amount is deposited, Interest Rate Protection Agreements,

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[***] – Confidential portions of this document have been redacted and filed separately with the Commission.

accounts (including any interest of Seller in escrow accounts) and any other contract rights, instruments, accounts, payments, rights to payment (including payments of interest or finance charges) general intangibles and other assets relating to the Purchased Assets (including, without limitation, any other accounts) or any interest in the Purchased Assets, and any proceeds (including the related securitization proceeds) and distributions with respect to any of the foregoing and any other property, rights, title or interests as are specified on a Transaction Request and/or Trust Receipt, in all instances, whether now owned or hereafter acquired, now existing or hereafter created.”

12. The definition of “Purchase Price” is hereby deleted in its entirety and replaced as follows:

“Purchase Price” means, [***]

[***]

[***]

[***]

[***]

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[***] – Confidential portions of this document have been redacted and filed separately with the Commission.

[***]

[***]

[***]

[***]

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13. The definition of “Records” is hereby deleted in its entirety and replaced as follows:

“Records” means all instruments, agreements and other books, records, and reports and data generated by other media for the storage of information maintained by Seller, Servicer or any other person or entity with respect to a Purchased Mortgage Loan and/or Purchased Agency Security. Records shall include the Mortgage Notes, any Mortgages, the Mortgage Files, the credit files related to the Purchased Mortgage Loan, the Purchased Agency Security and any other instruments necessary to document or service a Mortgage Loan.

14. The definition of “Repurchase Price” is hereby deleted in its entirety and replaced as follows: .

““Repurchase Price” means the price at which Purchased Assets are to be transferred from Buyer to Seller upon termination of a Transaction, on the Repurchase Date or at any other time specified in this Agreement, which will be determined in each case (including Transactions terminable upon demand) as the sum of the Purchase Price for such Purchased Assets and the accrued but unpaid Price Differential as of the date of such determination and any fees and expenses charged by the Buyer and payable by the Seller as set forth on Schedule 1 to the Addendum and any custodial fees as set forth on Schedule 2 to the Addendum with respect to such Purchased Assets and all other fees and expenses incurred by the Buyer.”

15. Section 2 of the Master Repurchase Agreement is hereby amended by deleting the definition of “Termination Date” in its entirety and replacing it as follows:

“Termination Date” has the meaning set forth on the Addendum or such earlier date in the case of an Event of Default hereunder or any other earlier date determined by the Buyer in its sole discretion; provided, however, if no Default or Event of Default has occurred and is continuing or is likely to occur, Buyer agrees that the Termination Date with respect to the NY Committed Amount shall be the later of (i) 364 days from the Effective Date, and (ii) thirty (30) calendar days following written notice from Buyer to Seller.

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16. Section 3(a) of the Master Repurchase Agreement is hereby amended by deleting the section in its entirety and replacing it as follows:

17. Section 3(a) is hereby further amended by adding the following sentence to the end of the paragraph:

“The sum of the aggregate Purchase Price of Purchased Mortgage Loans and Purchase Price of Purchased Agency Securities subject to outstanding Transactions shall not exceed the Maximum Aggregate Purchase Price.”

18. Section 3(b) of the Master Repurchase Agreement is hereby amended by deleting the following second sentence thereof:

“Following receipt of such request, Buyer may enter into such requested Transaction or may notify Seller of its intention not to enter into such Transaction for any reason.”

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and replacing it as follows:

Following receipt of such request, Buyer may enter into such requested Transaction or may notify Seller of its intention not to enter into such Transaction for any reason; provided, however, if (i) no Default or Event of Default has occurred and is continuing or is likely to occur and (ii) the applicable conditions precedent set forth in Section 9 hereof have been satisfied, then Buyer agrees, from time to time during the term of this Agreement to purchase the NY Committed Amount, in accordance with Section 3(a) above.

19. Section 4 of the Master Repurchase Agreement is hereby amended by adding a new paragraph (c) as follows:

(c) Seller shall repurchase the related Purchased Agency Securities from Buyer on each related Repurchase Date at the Repurchase Price so long as the Purchased Agency Securities remain on the Buyer’s Federal Book Account and have not previously been purchased by a Takeout Broker Dealer.

20. Section 5 of the Master Repurchase Agreement is hereby amended by replacing the reference to “Mortgage Loan” therein with “Purchased Asset.”

21. Section 6 of the Master Repurchase Agreement regarding Margin Maintenance shall be amended as follows:

“If at any time the aggregate Market Value of all Purchased Assets is less than the aggregate Buyer’s Margin Amount for all such Transactions (such event, a “Margin Deficit”), then Buyer may, by notice to Seller, require Seller to transfer to Buyer, cash or, at Buyer’s option and in its sole discretion, additional Purchased Assets (and provided that Buyer will accept additional Purchased Assets to cure a Margin Deficit in the event that (i) no Event of Default has occurred and (ii) Seller has additional Purchased Assets the characteristics of which meet all applicable Buyer eligibility requirements then-applicable to Purchased Assets) within one (1) Business Day of such notice by Buyer, so that the cash and aggregate Market Value of the Purchased Assets will thereupon equal or exceed the aggregate Buyer’s Margin Amount (such requirement upon such notice, a “Margin Call”), provided that, notwithstanding the foregoing, Buyer may determine the Market Value and any related Margin Deficit on an individual basis for any Purchased Asset. If additional Mortgage Loans or Agency Securities are provided by Seller to satisfy a Margin Deficit, they shall be considered Purchased Assets hereunder.”

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22. Section 7 of the Master Repurchase Agreement is hereby deleted in its entirety and replaced as follows:

a. If Income is paid in respect of any Purchased Asset during the term of a Transaction, such Income shall be the property of Buyer and shall be deposited in the Collection Account by either the Seller or the applicable Servicer. All deposits contained in the Collection Account (other than any Income relating to prepayments of principal in full which will be paid in accordance with Section 7(d) below) will be transferred to the Settlement Account on a bi-monthly basis in accordance with Section 11 (c) or by the Buyer at any other time.

b. Prior to an Event of Default, upon the termination of any Transaction, Buyer shall apply payments received from a Takeout Investor or Takeout Broker Dealer or otherwise, including those payments contemplated in Sections 6(a) and 7(a) above, as follows (provided that Buyer shall have no obligation to apply payments in the event that it is unable to identify the Mortgage Loans to which such payments correspond or there are insufficient funds in the Settlement Account or the Seller’s Clearing Account, and the related Repurchase Price will continue to accrue interest as if no payment had been made):

First, to the payment of the outstanding Repurchase Price owed by the Seller under this Agreement;

Second, to the payment of related costs and expenses owed under this Agreement, including reasonable compensation to Buyer’s agents and counsel, and all expenses, liabilities and advances made or incurred by or on behalf of Buyer in connection therewith;

Third, to the payment of all other amounts owed by the Seller under this Agreement;

Fourth, to the payment of any other amounts owed by the Seller or any Affiliate to the Buyer under any other instrument or agreement, in accordance with Section 24;

Fifth, to the Servicer, if and only if such party is a third party, costs and fees it is entitled to under the related Servicing Agreement; and

Sixth, to the Seller, any remainder, by remittance to the Seller’s Clearing Account.

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c. In the event that an Event of Default has occurred and is continuing, notwithstanding any provision set forth herein, Buyer may, in its sole discretion, distribute to Seller its share of Income received with respect to each Purchased Asset after all Obligations under this Agreement have been paid in full.

d. Seller shall, or cause Servicer to, deposit within two (2) Business Days of the receipt of any prepayment of principal in full into the Collection Account, with respect to a Purchased Mortgage Loan. Buyer shall apply any such amount to reduce the amount of the Repurchase Price due upon termination of the related Transaction.

e. Notwithstanding anything to the contrary set forth herein, to the extent that any Income (excluding principal prepayments in full) is not deposited in the Collection Account, upon notice by Buyer to Seller, Seller shall immediately remit to the Settlement Account all such Income received by Servicer or Seller in respect of the Purchased Assets.

23. Section 8 of the Master Repurchase Agreement is hereby amended by adding “or the Takeout Broker Dealer” after the references to “Takeout Investor” therein.

24. Section 15 of the Master Repurchase Agreement is hereby amended by deleting such section in its entirety and replacing it as follows:

“In the event that an Event of Default shall have occurred:

a. Buyer may, at its option, declare an Event of Default to have occurred hereunder and, upon the exercise or deemed exercise of such option, the Repurchase Date for each Transaction hereunder shall, if it has not already occurred, be deemed immediately to occur (except that, in the event that the Purchase Date for any Transaction has not yet occurred as of the date of such exercise or deemed exercise, such Transaction shall be deemed immediately canceled). Buyer shall (except upon the occurrence of an Act of Insolvency) give written notice to Seller of the exercise of such option as promptly as practicable. (For purposes of this provision, notice provided by electronic mail shall constitute written notice.)

b. If Buyer exercises or is deemed to have exercised the option referred to in paragraph (a) of this Section, (i) Seller’s obligations in such Transactions to repurchase all Purchased Mortgage Loans and Purchased Agency Securities, at the Repurchase Price therefor on the Repurchase Date determined in accordance with paragraph (a) of this Section, shall thereupon become immediately due and payable, (ii) all Income paid after such exercise or deemed exercise shall be retained by Buyer, or, to the extent not yet transferred to the Collection Account, the Seller’s Clearing Account or the Reserve Account, remitted to Buyer, and in any case

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applied, in Buyer’s sole discretion, to the aggregate unpaid Repurchase Prices for all outstanding Transactions and any other amounts owing by any Seller hereunder, and (iii) Seller shall immediately comply with the further instructions of Buyer with respect to holding or delivering any of the Mortgage Files relating to any Purchased Mortgage Loans subject to such Transactions then in Seller’s possession or control. In addition, Buyer shall have the right to satisfy any Obligations with funds remaining in the Seller’s Clearing Account or the Reserve Account.

c. Buyer also shall have the right to obtain physical possession, and to commence an action to obtain physical possession, of all Records and files of Seller relating to the Purchased Mortgage Loans, Purchased Assets and all documents relating to the Purchased Mortgage Loans (including, without limitation, any legal, credit or servicing files with respect to the Purchased Mortgage Loans) which are then or may thereafter come in to the possession of Seller or any third party acting for Seller. Buyer shall be entitled to specific performance of all agreements of Seller contained in this Agreement.

d. Buyer shall have the right to direct all Servicers then servicing any Purchased Mortgage Loans to remit all collections thereon to Buyer to the extent that any such Servicer is not currently remitting to the Buyer, and if any such payments are received by Seller, Seller shall not commingle the amounts received with other funds of Seller and shall promptly pay them over to Buyer. Buyer shall also have the right to terminate any one or all of the Servicers then servicing any Purchased Mortgage Loans with or without cause.

e. In addition, Buyer shall have the right to immediately sell the Purchased Mortgage Loans (including, without limitation, the Servicing Rights), Purchased Agency Securities and liquidate all Purchased Assets. Such disposition of Purchased Mortgage Loans may be, at Buyer’s option, on either a servicing-released or a servicing-retained basis. Buyer shall not be required to give any warranties as to the Purchased Mortgage Loans or Purchased Agency Securities with respect to any such disposition thereof. Buyer may specifically disclaim or modify any warranties of title or the like relating to the Purchased Mortgage Loans or Purchased Agency Securities. The foregoing procedure for disposition of the Purchased Mortgage Loans and Purchased Agency Securities and liquidation of the Purchased Assets shall not be considered to adversely affect the commercial reasonableness of any sale thereof. Seller agrees that it would not be commercially unreasonable for Buyer to dispose of the Purchased Mortgage Loans, Purchased Agency Securities or the Purchased Assets or any portion thereof by using Internet sites that provide for the auction of assets similar to the Purchased Mortgage Loans, Purchased Agency Securities or the Purchased Assets, or that have the reasonable capability

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of doing so, or that match buyers and sellers of assets. Buyer shall be entitled to place the Purchased Mortgage Loans in a pool for issuance of mortgage-backed securities at the then-prevailing price for such securities and to sell such securities for such prevailing price in the open market. Buyer shall also be entitled to sell any or all of such Purchased Assets individually for the prevailing price. Buyer shall also be entitled, in its sole discretion to elect, in lieu of selling all or a portion of such Purchased Assets, to give the Seller credit for such Purchased Assets in an amount equal to the Market Value of the Purchased Assets against the aggregate unpaid Repurchase Price and any other amounts owing by the Seller hereunder.

f. Upon the happening and continuation of one or more Events of Default, Buyer may apply any proceeds from the liquidation of the Purchased Assets to the Repurchase Prices hereunder and all other Obligations in the manner Buyer deems appropriate in its sole discretion.

g. Seller shall be liable to Buyer for (i) the amount of all reasonable legal or other expenses (including, without limitation, all costs and expenses of Buyer in connection with the enforcement of this Agreement or any other agreement evidencing a Transaction, whether in action, suit or litigation or bankruptcy, insolvency or other similar proceeding affecting creditors’ rights generally, further including, without limitation, the reasonable fees and expenses of counsel (including the costs of internal and external counsel of Buyer) incurred in connection with or as a result of an Event of Default, (ii) damages in an amount equal to the cost (including all fees, expenses and commissions) of entering into replacement transactions and entering into or terminating hedge transactions in connection with or as a result of an Event of Default, and (iii) any other loss, damage, cost or expense directly arising or resulting from the occurrence of an Event of Default in respect of a Transaction.

h. To the extent permitted by applicable law, Seller shall be liable to Buyer for interest on any amounts owing by Seller hereunder, from the date Seller becomes liable for such amounts hereunder until such amounts are (i) paid in full by Seller or (ii) satisfied in full by the exercise of Buyer’s rights hereunder. Interest on any sum payable by Seller under this paragraph shall be at a rate equal to the Post Default Rate.

i. Buyer shall have, in addition to its rights hereunder, any rights otherwise available to it under any other agreement or applicable law, including, without limitation, any equitable remedies and Buyer shall have the right to terminate this Agreement.

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j. Buyer may exercise one or more of the remedies available to Buyer immediately upon the occurrence of an Event of Default and, except to the extent provided in paragraph (a) of this Section, at any time thereafter without notice to Seller. All rights and remedies arising under this Agreement as amended from time to time hereunder are cumulative and not exclusive of any other rights or remedies which Buyer may have.

k. Buyer may enforce its rights and remedies hereunder without prior judicial process or hearing, and as permitted by law Seller hereby expressly waives any defenses Seller might otherwise have to require Buyer to enforce its rights by judicial process. Seller also waives any defense (other than a defense of payment or performance) Seller might otherwise have arising from the use of nonjudicial process, enforcement and sale of all or any portion of the Purchased Assets, or from any other election of remedies. Seller recognizes that nonjudicial remedies are consistent with the usages of the trade, are responsive to commercial necessity and are the result of a bargain at arm’s length.

a. Prior to an Event of Default, from time to time, the Seller, as an approved Issuer of Ginnie Mae Securities, may issue Ginnie Mae Securities backed by certain of the Purchased Mortgage Loans or, as an approved Fannie Mae Seller or Freddie Mac Seller, may sell Purchased Mortgage Loans to Fannie Mae or Freddie Mac, as applicable, in exchange for Fannie Mae Securities or Freddie Mae Securities, as applicable. Buyer will agree to sell the related Purchased Mortgage Loans back to the Seller in satisfaction of the related Repurchase Price and will simultaneously purchase the related Agency Securities (the proceeds from such sale will be used to satisfy the Repurchase Price with respect to the Purchased Mortgage Loans) from the Seller in a new Transaction. The Agency Securities will be delivered to the Federal Book Account of Buyer, at which time they will be considered Purchased Assets hereunder. The Seller shall arrange for the sale of the Purchased Agency Securities to a Takeout Broker Dealer, the proceeds of such sale to be credited to Buyer’s account as further provided herein to satisfy the Repurchase Price with respect to the Purchased Agency Securities.

b. As a condition precedent to Buyer agreeing to accept such Agency Securities as Purchased Assets hereunder, the Seller must comply with all of the following conditions: (i) the Seller shall at all times be (A) a Ginnie Mae Issuer in good standing with the authority to issue securities, (B) a Fannie Mae Seller in good standing with the authority to sell mortgages or (C) a Freddie Mac Seller in good standing with the authority to sell mortgages, as applicable; (ii) the Agency Custodian shall be the same entity

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that serves as Custodian under the Agreement for so long as the Purchased Assets are subject to the Agreement; (iii) the Agency Custodian and the Seller shall have entered into the Master Agency Custodial Agreement, which shall be in full force and effect at all times; (iv) Seller and the Agency Custodian shall comply with all applicable requirements set forth in the Guide and the Master Agency Custodial Agreement as hereafter amended, modified or superceded and (v) the related Purchased Mortgage Loans must be subject to a Agency Security Purchase Commitment with a Takeout Broker Dealer.

c. The Seller agrees to comply with the following additional protocol with respect to the issuance of Purchased Agency Securities:

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24. Any capitalized term used but not defined herein shall have the meaning assigned to such term in the Master Repurchase Agreement.

25. This Amendment only relates to the Master Repurchase Agreement between the Buyer and the Seller. Except as expressly amended above, all of the terms and conditions of the Master Repurchase Agreement remain in full force and effect and are hereby reaffirmed.

26. 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.

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[THE REMAINDER OF THIS PAGE WAS LEFT BLANK INTENTIONALLY]

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IN WITNESS WHEREOF, Seller and Buyer have caused their names to be signed to this Amendment to Master Repurchase Agreement by their respective officers thereunto duly authorized as to the date first above written.

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