0001206774-13-002044 Sample Contracts

MASTER REPURCHASE AGREEMENT Dated as of May 30, 2013 Between: CITIBANK, N.A., as Buyer and ZFC TRUST, as Seller
Master Repurchase Agreement • June 4th, 2013 • ZAIS Financial Corp. • Real estate investment trusts • New York

MASTER REPURCHASE AGREEMENT, dated as of May 30, 2013, between ZFC TRUST, a Maryland real estate investment trust as seller (the “Seller”) and CITIBANK, N.A., a national banking association as buyer (“Buyer”).

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GUARANTY AGREEMENT
Guaranty Agreement • June 4th, 2013 • ZAIS Financial Corp. • Real estate investment trusts • New York

GUARANTY AGREEMENT, dated as of May 30, 2013 (as amended, supplemented, or otherwise modified from time to time, this “Guaranty”), is made by ZAIS Financial Corp. a Maryland corporation (together with its successors and permitted assigns, the “Guarantor”), in favor of Citibank, N.A. (the “Buyer”, which term shall include Buyer’s successors and assigns, and any buyer for whom any Buyer acts as agent pursuant to the Repurchase Agreement) pursuant to the Repurchase Agreement.

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