Common use of REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING Clause in Contracts

REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING. 27 Section 6.01 Servicing Agreements; Applicable Laws 28 Section 6.02 Related Escrow Accounts 28 Section 6.03 No Purchaser Responsibility 28 Section 6.04 Location of Credit Files 28 Section 6.05 Representations Concerning the Future Excess Servicing Spread 28 ARTICLE VII REPRESENTATIONS AND WARRANTIES OF PURCHASER 29 Section 7.01 Due Organization and Good Standing 29 Section 7.02 Authority and Capacity 29 Section 7.03 Effective Agreements 30 Section 7.04 Sophisticated Investor 30 Section 7.05 No Actions 30 ARTICLE VIII SELLER COVENANTS 30 Section 8.01 Servicing Obligations 30 Section 8.02 Cooperation; Further Assurances 31 Section 8.03 Financing Statements 31 Section 8.04 Supplemental Information 31 Section 8.05 Access to Information 32 Section 8.06 Home Affordable Modification Program 32 Section 8.07 Distribution Date Data Tapes and Reports 32 Section 8.08 Financial Statements and Officer’s Certificates 34 Section 8.09 Monthly Management Calls 34 Section 8.10 Timely Payment of Owner Obligations 35 Section 8.11 Servicing Agreements 35 Section 8.12 Transfer of Mortgage Servicing Rights 35 Section 8.13 Consents to Transaction Documents 35 Section 8.14 Accounts 36 Section 8.15 Notification of Certain Events 36 Section 8.16 Financing; Pledge of Future Excess Servicing Spread 36 Section 8.17 Existence, etc 36 Section 8.18 Consent to Sub-Servicing 37 Section 8.19 Nonpetition Covenant 37 Section 8.20 Schedule of Mortgage Loans 37 Section 8.21 True Sale Opinion 38 Section 8.22 Valuation 38 Section 8.23 Material Documents 38 Section 8.24 Insurance 38 Section 8.25 Defense of Title 38 Section 8.26 Refinancing of Mortgage Loans 38

REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING. 27 Section 6.01 Servicing Agreements; Applicable Laws 28 Section 6.02 Related Escrow Accounts 28 Section 6.03 No Purchaser Responsibility 28 Section 6.04 Location of Credit Files 28 Section 6.05 Representations Concerning the Future Excess Servicing Spread 28 ARTICLE VII REPRESENTATIONS AND WARRANTIES OF PURCHASER 29 Section 7.01 Due Organization and Good Standing 29 Section 7.02 Authority and Capacity 29 Section 7.03 Effective Agreements 30 Section 7.04 Sophisticated Investor 30 Section 7.05 No Actions 30 ARTICLE VIII SELLER COVENANTS 30 Section 8.01 Servicing Obligations 30 Section 8.02 Cooperation; Further Assurances 31 Section 8.03 Financing Statements 31 Section 8.04 Supplemental Information 31 Section 8.05 Access to Information 32 Section 8.06 Home Affordable Modification Program 32 Section 8.07 Distribution Date Data Tapes and Reports 32 Section 8.08 Financial Statements and Officer’s Certificates 34 Section 8.09 Monthly Management Calls 34 Section 8.10 Timely Payment of Owner Obligations 35 Section 8.11 Servicing Agreements 35 Section 8.12 Transfer of Mortgage Servicing Rights 35 Section 8.13 Consents to Transaction Documents 35 Section 8.14 Accounts 36 35 Section 8.15 Notification of Certain Events 36 Section 8.16 Financing; Pledge of Future Excess Servicing Spread 36 Section 8.17 Existence, etc 36 Section 8.18 Consent to Sub-Servicing 37 Section 8.19 Nonpetition Covenant 37 Section 8.20 Schedule of Mortgage Loans 37 Section 8.21 True Sale Opinion 38 Section 8.22 Valuation 38 Section 8.23 Material Documents 38 Section 8.24 Insurance 38 Section 8.25 Defense of Title 38 Section 8.26 Refinancing of Mortgage Loans 38

REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING. 27 Section 6.01 Servicing Agreements; Applicable Laws 28 27 Section 6.02 Related Escrow Accounts 28 27 Section 6.03 No Purchaser Responsibility 28 27 Section 6.04 Location of Credit Files 28 27 Section 6.05 Representations Concerning the Future Excess Servicing Spread 28 27 ARTICLE VII REPRESENTATIONS AND WARRANTIES OF PURCHASER 29 28 Section 7.01 Due Organization and Good Standing 29 28 Section 7.02 Authority and Capacity 29 28 Section 7.03 Effective Agreements 30 29 Section 7.04 Sophisticated Investor 30 29 Section 7.05 No Actions 30 29 ARTICLE VIII SELLER COVENANTS 30 29 Section 8.01 Servicing Obligations 30 29 Section 8.02 Cooperation; Further Assurances 31 30 Section 8.03 Financing Statements 31 30 Section 8.04 Supplemental Information 31 30 Section 8.05 Access to Information 32 30 Section 8.06 Home Affordable Modification Program 32 31 Section 8.07 Distribution Date Data Tapes and Reports 32 31 Section 8.08 Financial Statements and Officer’s Certificates 34 33 Section 8.09 Monthly Management Calls 34 33 Section 8.10 Timely Payment of Owner Obligations 35 33 Section 8.11 Servicing Agreements 35 34 Section 8.12 Transfer of Mortgage Servicing Rights 35 34 Section 8.13 Consents to Transaction Documents 35 34 Section 8.14 Accounts 36 34 Section 8.15 Notification of Certain Events 36 34 Section 8.16 Financing; Pledge of Future Excess Servicing Spread 36 35 Section 8.17 Existence, etc 36 35 Section 8.18 Consent to Sub-Servicing 37 36 Section 8.19 Nonpetition Covenant 37 36 Section 8.20 Schedule of Mortgage Loans 37 36 Section 8.21 True Sale Opinion 38 36 Section 8.22 Valuation 38 37 Section 8.23 Material Documents 38 37 Section 8.24 Insurance 38 37 Section 8.25 Defense of Title 38 37 Section 8.26 Refinancing of Mortgage Loans. 37 ARTICLE IX CONDITIONS PRECEDENT TO OBLIGATIONS OF PURCHASER 37 Section 9.01 Correctness of Representations and Warranties 38 Section 9.02 Compliance with Conditions 38 Section 9.03 Corporate Resolution 38 Section 9.04 No Material Adverse Change 38 Section 9.05 Consents 38 Section 9.06 Delivery of Transaction Documents 38 Section 9.07 Certificate of Seller 38 Section 9.08 Opinions of Counsel 39 Section 9.09 Good Standing Certificate of Seller 39 Section 9.10 No Actions or Proceedings. 39 ARTICLE X CONDITIONS PRECEDENT TO OBLIGATIONS OF SELLER 39 Section 10.01 Correctness of Representations and Warranties 39 Section 10.02 Compliance with Conditions 40 Section 10.03 Corporate Resolution 40 Section 10.04 No Material Adverse Change 40 Section 10.05 Certificate of Purchaser 40 Section 10.06 Good Standing Certificate of Purchaser 40 ARTICLE XI INDEMNIFICATION 40 Section 11.01 Indemnification by Seller 40 Section 11.02 Indemnification by Purchaser 40 Section 11.03 Other Rights. 43 ARTICLE XII MISCELLANEOUS 43 Section 12.01 Costs and Expenses 43 Section 12.02 Confidentiality 43 Section 12.03 Broker’s Fees 43 Section 12.04 Relationship of Parties 43 Section 12.05 Survival of Representations and Warranties 45 Section 12.06 Notices 45 Section 12.07 Waivers 45 Section 12.08 Entire Agreement; Amendment 45 Section 12.09 Binding Effect 46 Section 12.10 Headings 46 Section 12.11 Applicable Law 46 Section 12.12 Incorporation of Exhibits 46 Section 12.13 Counterparts 46 Section 12.14 Severability of Provisions 46 Section 12.15 Assignment 47 Section 12.16 Termination 47 Section 12.17 Third Party Beneficiaries 47 EXHIBITS Exhibit A — Form of Assignment Agreement Annex A Exhibit B — Example of Calculations of Maximum Retained Refinancing Loan Amounts Exhibit C — Schedule of Mortgage Loans 38Exhibit D — Seller’s Officer’s Certificate Exhibit E — Purchaser’s Officer’s Certificate Exhibit F — Location of Credit Files Exhibit G — Form of Summary Remittance Report Exhibit H — Form of Delinquency Report Exhibit I — Form of Disbursement Report Exhibit J — Seller Jurisdictions and Recording Offices FUTURE SPREAD AGREEMENT FOR NON-AGENCY MORTGAGE LOANS This FUTURE SPREAD AGREEMENT FOR NON-AGENCY MORTGAGE LOANS (as amended, restated, or otherwise modified and in effect from time to time, this “Agreement”), dated as of May 13, 2012 (the “Agreement Date”), is by and between NIC MSR VI LLC, a Delaware limited liability company (together with its successors and assigns, the “Purchaser”), and Nationstar Mortgage LLC, a Delaware limited liability company (together with its successors and assigns, the “Seller”) (the Purchaser and the Seller will collectively be referred to as the “Parties” and each, a “Party”).

REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING. 27 Section 6.01 Servicing Agreements; Applicable Laws 28 27 Section 6.02 Related Escrow Accounts 28 Section 6.03 No Purchaser Responsibility 28 Section 6.04 Location of Credit Files 28 Section 6.05 Representations Concerning the Future Excess Servicing Spread 28 ARTICLE VII REPRESENTATIONS AND WARRANTIES OF PURCHASER 29 Section 7.01 Due Organization and Good Standing 29 Section 7.02 Authority and Capacity 29 Section 7.03 Effective Agreements 30 29 Section 7.04 Sophisticated Investor 30 Section 7.05 No Actions 30 ARTICLE VIII SELLER COVENANTS 30 Section 8.01 Servicing Obligations 30 Section 8.02 Cooperation; Further Assurances 31 Section 8.03 Financing Statements 31 Section 8.04 Supplemental Information 31 Section 8.05 Access to Information 32 31 Section 8.06 Home Affordable Modification Program 32 Section 8.07 Distribution Date Data Tapes and Reports 32 Section 8.08 Financial Statements and Officer’s Certificates 34 Section 8.09 Monthly Management Calls 34 Section 8.10 Timely Payment of Owner Obligations 35 34 Section 8.11 Servicing Agreements 35 34 Section 8.12 Transfer of Mortgage Servicing Rights 35 Section 8.13 Consents to Transaction Documents 35 Section 8.14 Accounts 36 35 Section 8.15 Notification of Certain Events 36 35 Section 8.16 Financing; Pledge of Future Excess Servicing Spread 36 Section 8.17 Existence, etc 36 Section 8.18 Consent to Sub-Servicing 37 Section 8.19 Nonpetition Covenant 37 Section 8.20 Schedule of Mortgage Loans 37 Section 8.21 True Sale Opinion 38 37 Section 8.22 Valuation 38 Section 8.23 Material Documents 38 Section 8.24 Insurance Insurance. 38 Section 8.25 Defense of Title 38 Section 8.26 Refinancing of Mortgage Loans Loans. 38

REPRESENTATIONS AND WARRANTIES AS TO MORTGAGE LOANS AND SERVICING. 27 30 Section 6.01 Servicing Agreements; Applicable Laws 28 30 Section 6.02 Related Escrow Accounts 28 31 Section 6.03 Accuracy of Servicing Information 31 Section 6.04 No Purchaser Responsibility 28 31 Section 6.04 6.05 Location of Credit Files 28 31 Section 6.05 6.06 Representations Concerning the Future Current Excess Servicing Spread 28 31 ARTICLE VII REPRESENTATIONS AND WARRANTIES OF PURCHASER 29 32 Section 7.01 Due Organization and Good Standing 29 32 Section 7.02 Authority and Capacity 29 32 Section 7.03 Effective Agreements 30 33 Section 7.04 Sophisticated Investor 30 33 Section 7.05 No Actions 30 33 ARTICLE VIII SELLER COVENANTS 30 33 Section 8.01 Servicing Obligations 30 33 Section 8.02 Cooperation; Further Assurances 31 Cooperation 34 Section 8.03 Financing Statements 31 35 Section 8.04 Supplemental Information 31 35 Section 8.05 Access to Information 32 35 Section 8.06 Home Affordable Modification Program 32 35 Section 8.07 Distribution Date Data Tapes and Reports 32 36 Section 8.08 Financial Statements and Officer’s Certificates 34 38 Section 8.09 Monthly Management Calls 34 38 Section 8.10 Timely Payment of Owner Obligations 35 39 Section 8.11 Servicing Agreements 35 39 Section 8.12 Transfer of Mortgage Servicing Rights 35 39 Section 8.13 Consents to Transaction Documents 35 39 Section 8.14 Accounts 36 40 Section 8.15 Notification of Certain Events 36 40 Section 8.16 Financing; Pledge of Future Current Excess Servicing Spread 36 40 Section 8.17 Existence, etc 36 40 Section 8.18 Consent to Sub-Servicing 37 41 Section 8.19 Nonpetition Covenant 37 42 Section 8.20 Data Tape; Schedule of Mortgage Loans 37 42 Section 8.21 True Sale Opinion 38 Insurance. 42 Section 8.22 Valuation 38 Defense of Title. 42 Section 8.23 Material Documents 38 Section 8.24 Insurance 38 Section 8.25 Defense of Title 38 Section 8.26 Refinancing of Mortgage Loans 38Loans. 43