Common use of Accuracy of Statements in Risk Factors Clause in Contracts

Accuracy of Statements in Risk Factors. The statements made in the Annual Report incorporated by reference into the General Disclosure Package and the Prospectus under the captions “Risk Factors-Changes to government mortgage modification programs could adversely affect future incremental revenues,” “Risk Factors-We operate within a highly regulated industry on a federal, state and local level and our business results are significantly impacted by the laws and regulations to which we are subject,” “Risk Factors-We are subject to numerous legal proceedings, federal, state or local governmental examinations, investigations or enforcement actions and related costs could have a material adverse effect on our liquidity, financial position and results of operations. Some of these matters are highly complex and slow to develop, and results are difficult to predict or estimate,” “Risk Factors-A consent order entered into by one of the largest non-bank servicers with a state regulatory agency could impose additional compliance costs on our servicing business,” “Risk Factors-There are numerous federal, state and local laws and regulations in the mortgage industry,” “Risk Factors-Unlike competitors that are national banks, we are subject to state licensing and operational requirements that result in substantial compliance costs,” “Risk Factors-Our business would be adversely affected if we lose our licenses” and “Risk Factors-Residential mortgage foreclosure proceedings in certain states have been delayed due to lack of judicial resources and new legislation, all of which could have a negative effect on our ability to liquidate loans timely and slow the recovery of advances and thus impact our earnings or liquidity,” insofar as the risk factors referred to above purport to constitute summaries of the terms of statutes, rules or regulations, legal or governmental proceedings or contracts and other documents, constitute accurate summaries of the terms of such statutes, rules and regulations, legal and governmental proceedings and contracts and other documents in all material respects.

Accuracy of Statements in Risk Factors. The statements made in the Annual Report on Form 10-K incorporated by reference into the General Disclosure Package and the Prospectus under the captions “Risk Factors—Our foreclosure proceedings in certain states have been delayed due to inquiries by certain state Attorneys General, court administrators and state and federal government agencies, the outcome of which could have a negative effect on our operations, earnings or liquidity” (which includes the disclosure, “Upon completion of our internal review and after responding to such inquiries, we resumed these previously delayed proceedings.”), “Risk Factors—The ongoing implementation of the Xxxx-Xxxxx Act will increase our regulatory compliance burden and associated costs and place restrictions on certain originations and servicing operations, all of which could adversely affect our business, financial condition and results of operations,” “Risk Factors—The enforcement consent orders by, agreements with, and settlements of, certain federal and state agencies against the largest mortgage servicers related to foreclosure practices could impose additional compliance costs on our servicing business, which could materially and adversely affect our financial condition and results of operations,” “Risk Factors—Federal, state and local laws and regulations could materially adversely affect our business, financial condition and results of operations,” “Risk Factors—Our business would be adversely affected if we lose our licenses,” “Risk Factors—The conservatorship of Xxxxxx Mae and Xxxxxxx Mac and related efforts, along with any changes in laws and regulations affecting the relationship between Xxxxxx Mae and Xxxxxxx Mac and the U.S. federal government, could adversely affect our business and prospects” and “Risk Factors—Changes to government mortgage modification programs could adversely affect future incremental revenues,” “Risk Factors-We operate within a highly regulated industry on a federal, state and local level and our business results are significantly impacted by the laws and regulations to which we are subject,” “Risk Factors-We are subject to numerous legal proceedings, federal, state or local governmental examinations, investigations or enforcement actions and related costs could have a material adverse effect on our liquidity, financial position and results of operations. Some of these matters are highly complex and slow to develop, and results are difficult to predict or estimate,” “Risk Factors-A consent order entered into by one of the largest non-bank servicers with a state regulatory agency could impose additional compliance costs on our servicing business,” “Risk Factors-There are numerous federal, state and local laws and regulations in the mortgage industry,” “Risk Factors-Unlike competitors that are national banks, we are subject to state licensing and operational requirements that result in substantial compliance costs,” “Risk Factors-Our business would be adversely affected if we lose our licenses” and “Risk Factors-Residential mortgage foreclosure proceedings in certain states have been delayed due to lack of judicial resources and new legislation, all of which could have a negative effect on our ability to liquidate loans timely and slow the recovery of advances and thus impact our earnings or liquidity,” insofar as the risk factors referred to above purport to constitute summaries of the terms of statutes, rules or regulations, legal or governmental proceedings or contracts and other documents, constitute accurate summaries of the terms of such statutes, rules and regulations, legal and governmental proceedings and contracts and other documents in all material respects.

Accuracy of Statements in Risk Factors. The statements made in the Annual Report on Form 10-K incorporated by reference into the General Disclosure Package and the Prospectus under the captions “Risk Factors—Our foreclosure proceedings in certain states have been delayed due to inquiries by certain state Attorneys General, court administrators and state and federal government agencies, the outcome of which could have a negative effect on our operations, earnings or liquidity” (which includes the disclosure, “Upon completion of our internal review and after responding to such inquiries, we resumed these previously delayed proceedings.”), “Risk Factors—The ongoing implementation of the Xxxx-Xxxxx Act will increase our regulatory compliance burden and associated costs and place restrictions on certain originations and servicing operations, all of which could adversely affect our business, financial condition and results of operations,” “Risk Factors—The enforcement consent orders by, agreements with, and settlements of, certain federal and state agencies against the largest mortgage servicers related to foreclosure practices could impose additional compliance costs on our servicing business, which could materially and adversely affect our financial condition and results of operations,” “Risk Factors—Federal, state and local laws and regulations could materially adversely affect our business, financial condition and results of operations,” “Risk Factors—Our business would be adversely affected if we lose our licenses,” “Risk Factors—The conservatorship of Xxxxxx Mae and Xxxxxxx Mac and related efforts, along with any changes in laws and regulations affecting the relationship between Xxxxxx Mae and Xxxxxxx Mac and the U.S. federal government, could adversely affect our business and prospects” and “Risk Factors—Changes to government mortgage modification programs could adversely affect future incremental revenues,” “Risk Factors-We operate within a highly regulated industry on a federal, state and local level and our business results are significantly impacted by the laws and regulations to which we are subject,” “Risk Factors-We are subject to numerous legal proceedings, federal, state or local governmental examinations, investigations or enforcement actions and related costs could have a material adverse effect on our liquidity, financial position and results of operations. Some of these matters are highly complex and slow to develop, and results are difficult to predict or estimate,” “Risk Factors-A consent order entered into by one of the largest non-bank servicers with a state regulatory agency could impose additional compliance costs on our servicing business,” “Risk Factors-There are numerous federal, state and local laws and regulations in the mortgage industry,” “Risk Factors-Unlike competitors that are national banks, we are subject to state licensing and operational requirements that result in substantial compliance costs,” “Risk Factors-Our business would be adversely affected if we lose our licenses” and “Risk Factors-Residential mortgage foreclosure proceedings in certain states have been delayed due to lack of judicial resources and new legislation, all of which could have a negative effect on our ability to liquidate loans timely and slow the recovery of advances and thus impact our earnings or liquidity,” insofar as the risk factors referred to above they purport to constitute summaries of the terms of statutes, rules or regulations, legal or governmental proceedings or contracts and other documents, constitute accurate summaries of the terms of such statutes, rules and regulations, legal and governmental proceedings and contracts and other documents in all material respects.

Accuracy of Statements in Risk Factors. The statements made in the Annual Report on Form 10-K incorporated by reference into the General Disclosure Package and the Prospectus under the captions “Risk Factors—Our foreclosure proceedings in certain states have been delayed due to inquiries by certain state Attorneys General, court administrators and state and federal government agencies, the outcome of which could have a negative effect on our operations, earnings or liquidity” (which includes the disclosure, “Upon completion of our internal review and after responding to such inquiries, we resumed these previously delayed proceedings.”), “Risk Factors—The ongoing implementation of the Xxxx-Xxxxx Act will increase our regulatory compliance burden and associated costs and place restrictions on certain originations and servicing operations, all of which could adversely affect our business, financial condition and results of operations,” “Risk Factors—The enforcement consent orders by, agreements with, and settlements of, certain federal and state agencies against the largest mortgage servicers related to foreclosure practices could impose additional compliance costs on our servicing business, which could materially and adversely affect our financial condition and results of operations,” “Risk Factors—Federal, state and local laws and regulations could materially adversely affect our business, financial condition and results of operations,” “Risk Factors—Our business would be adversely affected if we lose our licenses,” “Risk Factors—The conservatorship of Xxxxxx Xxx and Xxxxxxx Mac and related efforts, along with any changes in laws and regulations affecting the relationship between Xxxxxx Mae and Xxxxxxx Mac and the U.S. federal government, could adversely affect our business and prospects” and “Risk Factors—Changes to government mortgage modification programs could adversely affect future incremental revenues,” “Risk Factors-We operate within a highly regulated industry on a federal, state and local level and our business results are significantly impacted by the laws and regulations to which we are subject,” “Risk Factors-We are subject to numerous legal proceedings, federal, state or local governmental examinations, investigations or enforcement actions and related costs could have a material adverse effect on our liquidity, financial position and results of operations. Some of these matters are highly complex and slow to develop, and results are difficult to predict or estimate,” “Risk Factors-A consent order entered into by one of the largest non-bank servicers with a state regulatory agency could impose additional compliance costs on our servicing business,” “Risk Factors-There are numerous federal, state and local laws and regulations in the mortgage industry,” “Risk Factors-Unlike competitors that are national banks, we are subject to state licensing and operational requirements that result in substantial compliance costs,” “Risk Factors-Our business would be adversely affected if we lose our licenses” and “Risk Factors-Residential mortgage foreclosure proceedings in certain states have been delayed due to lack of judicial resources and new legislation, all of which could have a negative effect on our ability to liquidate loans timely and slow the recovery of advances and thus impact our earnings or liquidity,” insofar as the risk factors referred to above purport to constitute summaries of the terms of statutes, rules or regulations, legal or governmental proceedings or contracts and other documents, constitute accurate summaries of the terms of such statutes, rules and regulations, legal and governmental proceedings and contracts and other documents in all material respects.