0001206774-13-004054 Sample Contracts

Citigroup Global Markets Realty Corp. 390 Greenwich Street 5th Floor New York, New York 10013
ZAIS Financial Corp. • November 12th, 2013 • Real estate investment trusts • New York

This trade confirmation (the “Confirmation”) to the Master Mortgage Loan Sale Agreement dated May 31, 2013 between Citigroup Global Markets Realty Corp. (the “Seller”) and ZFC Trust (the “Purchaser”) (the Purchase Agreement”) confirms the agreement between the Seller and the Purchaser pursuant to which the Seller has agreed to sell, and the Purchaser has agreed to purchase, without recourse, certain first lien, performing and re-performing residential mortgage loans identified on the mortgage loan schedule attached hereto as Exhibit A (the “Mortgage Loans”), on a servicing released basis, subject to the terms set forth herein.

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