Common use of REPRESENTATIONS AND WARRANTIES OF HOME Clause in Contracts

REPRESENTATIONS AND WARRANTIES OF HOME. 3.1 Corporate Organization 10 3.2 Capitalization 11 3.3 Authority; No Violation 12 3.4 Consents and Approvals 13 3.5 Reports 14 3.6 Financial Statements 14 3.7 Broker’s Fees 15 3.8 Absence of Certain Changes or Events 16 3.9 Legal Proceedings 16 3.10 Taxes and Tax Returns 16 3.11 Employees 18 3.12 SEC Reports 20 3.13 Compliance with Applicable Law 20 3.14 Certain Contracts 21 3.15 Agreements with Regulatory Agencies 22 3.16 Risk Management Instruments 22 3.17 Environmental Matters 23 3.18 Investment Securities and Commodities 23 3.19 Real Property 23 3.20 Intellectual Property 24 3.21 Related Party Transactions 24

REPRESENTATIONS AND WARRANTIES OF HOME. 3.1 Corporate Organization 10 12 3.2 Capitalization 11 13 3.3 Authority; No Violation 12 14 3.4 Consents and Approvals 13 15 3.5 Reports 14 16 3.6 Financial Statements 14 16 3.7 Broker’s Fees 15 18 3.8 Absence of Certain Changes or Events 16 18 3.9 Legal Proceedings 16 18 3.10 Taxes and Tax Returns 16 19 3.11 Employees 18 20 3.12 SEC Reports 20 23 3.13 Compliance with Applicable Law 20 23 3.14 Certain Contracts 21 24 3.15 Agreements with Regulatory Agencies 22 25 3.16 Risk Management Instruments 22 25 3.17 Environmental Matters 23 26 3.18 Investment Securities and Commodities 23 26 3.19 Real Property 23 26 3.20 Intellectual Property 24 27 3.21 Related Party Transactions 2428 3.22 State Takeover Laws 28 3.23 Reorganization 28 3.24 Opinion 28 3.25 Home Information 28 3.26 Loan Portfolio 29 3.27 Insurance 30 3.28 Shared-Loss Agreements 30 3.29 No Other Representations or Warranties 30