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EARLY PURCHASE. PROGRAMADDENDUM. TO LOAN PURCHASE AGREEMENTThis Early. Purchase Program Addendum to Loan Purchase Agreement (this. Addendum”) is made and entered into as of. July 3. 1, 2. 00. Bank of America, N. A. This Addendum supplements that certain Loan. Purchase Agreement dated July 1. Bank of. America and Seller (including any and all Commitments, Amendments. Addenda, and Assignments related thereto, collectively, the. Loan Purchase Agreement”). All capitalized terms used. Addendum and not otherwise defined herein shall have the. Loan Purchase Agreement and/or. Bank of America Correspondent Lending Seller’s Guide (the. Guide”), as applicable. RECITALSA. Pursuant to the. Loan Purchase Agreement, Bank of America may, from time to time. Seller subject to the terms and. B. Pursuant to. that certain Master Repurchase Agreement (the “Repurchase. Agreement”) dated July 3. Bank of. America and Seller, Bank of America may, from time to time. Seller subject to the terms and. Repurchase. Loans”). C. Bank of America. Seller now desire to supplement the Loan Purchase Agreement to. EPP Loans (as. defined below), including certain of the Repurchase Loans, prior to. The early purchase and. EPP Loans hereunder shall be referred to herein as the. Early Purchase Program.”In. Bank of America and Seller hereby. Eligible. Loans. Further, for purposes of this. Addendum, certain of the Repurchase Loans, as approved by Bank of. America, shall be deemed EPP Loans subject to the terms and. Procedures for. Purchase of EPP Loans. It shall be the responsibility of Seller to notify Bank of. America of any loan, including any Repurchase Loan that Seller. Bank of America under the Early. Purchase Program, including providing Bank of America with a. Seller shall deliver the. Collateral Data Record and the Collateral Documents to Bank of. America no later than 5: 0. PST on the date prior to the. Purchase Date (as defined below), and shall submit any revisions to. Collateral Data Record no later than 1. PST on the. Purchase Date. In the event that Bank of America determines that an. EPP Loan is eligible for purchase and otherwise meets the. Addendum, the. 1Loan Purchase. Agreement and the Guide (collectively, the . Seller expressly. Collateral Data Record and the method for delivery of the. Collateral Data Record to Bank of America may be changed from time. Bank of America in its sole discretion. Calculation of. the Purchase Price and Fees.(a)Initial. Purchase Price. The Initial Purchase Price. A) the product of the unpaid. EPP Loan multiplied by the lesser of. Initial Purchase Price Percentage (as defined below). Final Purchase Price. Percentage (as defined below) or (B) the product of the unpaid. EPP Loan multiplied by ninety eight. Final Purchase Price Percentage. EPP Loan. Bank of America shall pay the Initial Purchase. Price to Seller in accordance with the instructions set forth in. Exhibit C . It is understood and agreed that the Initial. Purchase Price, being a portion of the estimated Final Purchase. Price, includes a holdback amount to account for Bank of. America’s post purchase review and confirmation that the EPP. Loan fully complies with Bank of America’s requirements and. Bank of. America with respect to the EPP Loan under the Program. Agreements.(b)Initial. Purchase Price Percentage. In addition to any. Bank of America, Bank of America may reduce. Initial Purchase Price Percentage in the event of. Seller’s breach of its obligations under the Program. Agreements. Further, Bank of America may, from time to time, reduce. Initial Purchase Price Percentage to account for any changes in. Seller’s financial condition and/or changes in general market. Bank of America determines are. Recalculation. of Initial Purchase Price During Review Period. Further, if an Assignment of Trade or. Commitment is cancelled during the Review Period and a new. Assignment of Trade or Commitment is not entered into by Bank of. America and Seller with respect to any EPP Loan, Bank of America. Final Purchase Price. Percentage of the EPP Loan and recalculate the Initial Purchase. Price pursuant to subsection (a) above based on its. Final Purchase Price Percentage of the EPP. Loan. In determining the Final Purchase Price Percentage of any EPP. Loan as permitted in the foregoing sentence, Bank of America shall. Final Purchase Price Percentage on. EPP Loan and use reasonable. EPP. Loan and shall provide Seller with at least one (1) Business. Day prior notice of any such determination of the Final Purchase. Price Percentage. If any. recalculated Initial Purchase Price for any EPP Loan as permitted. Initial Purchase Price paid by. Bank of America to Seller for such EPP Loan, Seller shall, at Bank. America’s sole option, immediately refund to Bank of. America the difference between the original Initial Purchase Price. Initial Purchase Price. Notwithstanding the. Bank of America shall be entitled to deduct from the. Over/Under Account any such amounts required to be refunded by. Seller to Bank of America hereunder. Further, at the request of. Seller, and to the extent such documentation exists, Bank of. America shall provide Seller with all documentation reasonably. Final Purchase. Price Percentage.(d)Final Purchase. Price. The Final Purchase Price. SRP Enhancement (as defined below). The SRP Enhancement. A) the difference between. EPP Loan and (ii) the SRP. Enhancement Percent set forth in Exhibit A attached hereto. LIBOR rate multiplied by (B) the unpaid. EPP Loan (the “SRP. Enhancement”). The EPP SRP Enhancement shall not be. Specialty ARM’s (non- conforming Pay. Option. ARM’s) unless as otherwise provided in the Addendum. The SRP. Enhancement shall be calculated for the period commencing on the. Purchase Date and ending on the completion of the Review Period. In addition to any other. Bank of America, Bank of America may require. Seller to repurchase such EPP Loan or Seller and Bank of America. Seller’s breach of its obligations under the. Program Agreements. Further, Bank of America may require Seller to. EPP Loan or Seller and Bank of America may negotiate. Seller’s financial condition and/or changes in general. Bank of America. determines are material changes.(f)Fees. The current amounts of these. Early Purchase Program, are set forth in. Exhibit J . All fees under the Early Purchase Program, as. Exhibit J , may be deducted by Bank of America. Over/Under Account. Over/Under. Account; Minimum Balance; Failure to Maintain Minimum. Balance. For purposes. Addendum, Seller shall at all times maintain a balance in. Bank of America (the. Over/Under Account”). The minimum balance in the. Over/Under Account shall, at all times, be at least equal to the. Exhibit J (the “Minimum. Balance”). To the extent Seller is required to maintain a. Repurchase Agreement, any. Seller under the terms of the Repurchase. Agreement shall be credited against the amount required to be. Seller hereunder. Unless otherwise agreed to by Bank. America, and except as otherwise provided in the immediately. Minimum Balance requirements of Seller with. Over/Under Account as required under this Addendum. Seller to maintain a. Bank of. America, its parent, subsidiaries and/or affiliates, including. Over/Under Account. Seller with Bank of America. Bank of. America shall not be required to segregate and hold funds deposited. Seller in the Over/Under Account separate and. Bank of America’s own funds or funds deposited by. In the event Seller fails to maintain the. Minimum Balance in the Over/Under Account at any time, in addition. Bank of America, Seller shall. Bank of America interest on any shortfall. Exhibit J for as long as the. Minimum Balance fails to be maintained.(b)Offsets. Bank of America shall wire transfer all such requested. Seller from the Over/Under Account not later than. Bank of America. Notwithstanding the foregoing, Bank of. America shall not be required to return such portion of such excess. Bank of America has determined, in its sole and. Over/Under. Account in furtherance of this Addendum and/or the Program. Agreements.(ii)Bank of. America. In the event Bank of America determines that one. Collateral Documents related to any EPP Loan is. Collateral. Document, a “Defective Collateral Document”), Seller. Defective Collateral Document in a manner. Bank of America and deliver the same to Bank of. America. If, after the Purchase Date related to any EPP Loan, Bank. America determines, in its sole and good faith discretion, that. Defective Collateral Documents. EPP. Loan, (a) Seller shall pay Bank of America a Late Document Fee. Exhibit J for each day thereafter until such. Seller and delivered to Bank of America. Bank of America, in its sole and good faith. Bank of America in its sole and reasonable discretion. Bank of America shall reduce the Initial Purchase Price. EPP Loan by the Late Documentation Reduction Percentage as. Exhibit J (such reduction amount, the. Late Documentation Holdback”). The Late Documentation. Holdback shall be debited by Bank of America from the Over/Under. Account and retained by Bank of America until such time as either. Seller delivers to Bank of America acceptable Collateral. Documents, in which case, the Late Documentation Holdback shall be. Over/Under Account or (ii) Seller repurchases. EPP Loan, in which case, such Late Documentation Holdback will. Further, in the. event Seller fails to deliver acceptable Collateral Documents to. Bank of America within fourteen (1. Purchase Date, upon request of Bank of America, Seller shall. EPP Loan. 6. Delivery of. Credit File and Additional Documents and. Information. With respect to the delivery of. EPP Loan. notwithstanding anything contained in the Program Agreements to the. Seller to Bank of America within fifteen (1. Business Days. after the related Purchase Date. If Seller fails to deliver the. Bank of America, Bank of America. Initial Purchase Price for such EPP. Loan by the Late Credit File Holdback as set forth in Exhibit. J (such reduction amount, the “Late Credit File. |
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