Servicing Transfer Instructions User Guide. July 2015

Servicing Transfer Instructions User Guide July 2015

SERVICING TRANSFER INSTRUCTIONS USER GUIDE TABLE OF CONTENTS CHAPTER 1INTRODUCTION... 1 Prologue... 1 Overview... 1 Selling System Delivery Tips... 4 How to Prevent Data and Funding Errors for Mortgages Sold Through the SRSP... 4 How to Deliver a Scheduled UPB and Valid DDLPI... 4 How to Enter Monthly Escrow Collections... 6 How to Enter Escrow and Buydown Funds (Formerly known as the Escrow Deposit)... 10 Completing Borrower Mailing Address Information... 11 Understanding Your Freddie Mac Settlement Statements... 12 What is Net Funding?... 12 Funding Adjustments... 13 Accrued Interest/Interest Adjustment... 13 Servicing Spread Adjustment... 14 Tax Service Fee... 14 Transaction Fee... 14 Settlement Statements... 14 Access Settlement Statements... 14 How to Export the Servicer Assigned Loan Identifier... 17 Next Steps... 18 Delivery to the Servicer... 18 CHAPTER 2 IDENTIFY THE SERVICER... 1 How to Identify the Servicer in the Selling System... 1 CHAPTER 3 PACKAGE AND DELIVER DOCUMENTS... 1 The Servicing Delivery File... 1 Servicer Mailing and Delivery Information... 1 Packaging Instructions... 2 How to Package Single Loan Files... 2 Servicing Transfer Instructions User Guide July 2015 ii Table of Contents

How to Package Multiple/Bulk Loan Files... 3 Imaged Mortgage Documents... 3 CHAPTER 4 OUTSTANDING DOCUMENTS... 1 Outstanding Documents... 1 How to Forward Documents... 1 CHAPTER 5 NOTIFICATION TO INTERESTED PARTIES AND GOOD-BYE LETTERS... 1 Notification to Interested Parties... 1 Notice to Insurance Companies... 1 Flood and Catastrophe Insurance... 1 Hazard Insurance (Fire and Extended Coverage)... 2 Optional Insurance... 3 Private Mortgage Insurance... 3 Title Insurance... 4 Execute Other Documents... 4 Issue a Good-bye Letter... 5 Optional Information for the Good-Bye Letter... 8 CHAPTER 6 ASSIGNMENTS... 1 Instructions for the Assignment... 1 CHAPTER 7 MERS MORTGAGES... 1 MERS Registered Mortgages... 1 CHAPTER 8 IRS FORM 1098 REPORTING REQUIREMENTS... 1 Requirements for completing IRS Form 1098... 1 CHAPTER 9 RESOLVE SETTLEMENT/FUNDING ERRORS... 1 How to Resolve Settlement/Funding Errors... 1 Other Funds Collected at Closing Amount (formerly known as Escrow Deposit)... 1 Loan Acquisition Scheduled UPB Amount (formerly known as the Unpaid Principal Balance)... 2 Payments and Refunds... 3 Forward or Request Funds... 3 Payments Due the Servicer or Refunds Due the Seller... 4 Servicer Contacts for Reconciliations... 4 CHAPTER 10 LATE FEES... 1 Late or Incorrect Delivery to the Servicer... 1 Servicing Transfer Instructions User Guide July 2015 iii Table of Contents

CHAPTER 11 FINAL DOCUMENTS... 1 How to Forward Final Documents... 1 CHAPTER 12 REPAYMENT OF THE SERVICING RELEASED PREMIUM... 1 Repayment of the Servicing Released Premium (SRP) to the Servicer... 1 Payoffs... 1 Repurchases... 1 SRP Repayment Schedule... 2 Servicer Contact for SRP Reimbursement... 2 CHAPTER 13 SERVICER CONTACT INFORMATION... 1 Servicer Call Trees for Sellers and for Borrowers... 1 Central Mortgage Company Seller Call Tree... 1 Central Mortgage Company Borrower Call Tree... 1 Homeward Residential, Inc., Seller Call Tree... 2 Homeward Residential, Inc., Borrower Call Tree... 2 Nationstar Mortgage LLC Seller Call Tree... 3 Nationstar Mortgage LLC Borrower Call Tree... 3 PNC Seller Call Tree... 4 PNC Borrower Call Tree... 4 U.S. Bank Home Mortgage Seller Call Tree... 4 U.S. Bank Home Mortgage Borrower Call Tree... 5 CHAPTER 14 CHECKLISTS AND FORMS... 1 Selling System Document Checklist... 2 Selling System Final Document Checklist... 3 Borrower Mailing and Billing Address Certification Form... 4 Payment/Refund Transmittal Form... 5 Servicing Transfer Instructions User Guide July 2015 iv Table of Contents

Chapter Introduction 1 Prologue These materials are designed for Freddie Mac customers who are approved to sell mortgages through the Freddie Mac Selling System Servicing Released Sales Process (SRSP). The materials contain general information, delivery tips and the Servicing Transfer Instructions. The materials are organized as follows: Chapter Number Contents 1 1. Overview of the Servicing Released Sales Process 2. Selling system delivery tips for preventing delivery and funding errors 3. Access funding reports and understand the net funding breakdown 4. How to export the Servicer assigned loan identifier 5. Next Steps Delivery to the Servicer 2-13 Servicing Transfer Instructions 14 Checklists and Forms Overview The Freddie Mac selling system (selling system) is a web-based system for selling Mortgages. The selling system functions as an all-in-one solution for pricing, contracting and loan delivery. It offers a variety of selling options and lets you manage your contract and loan pipelines, provides access to funding reports and more. When Mortgages are sold for cash under the Servicing Released Sales Process, Freddie Mac arranges for a Servicer, as identified by Freddie Mac, to accept a Transfer of Servicing from the Seller at the time the Seller sells the Mortgage to Freddie Mac. Sellers must be pre-approved to sell loans for cash under the Servicing Released Sales Process (SRSP). The Freddie Mac funding date, also referred to in this user guide as the sale date, is the date from which title to the servicing rights transfers from the Seller to the Servicer (Servicer). The Seller s rights, to any portion of the servicing fees or any other fees or income relating to servicing of the loan(s) terminate at the close of business on the sale date. Servicing Transfer Instructions User Guide April 2015

Introduction Sellers participating in the SRSP must comply with requirements as set forth in the Single-Family Seller/Servicer Guide ( Guide ). The Guide consists of two volumes containing Freddie Mac's requirements for Mortgages secured by 1- to 4-unit properties. Volume 1 sets forth the requirements and obligations relating to the purchase and sale of Mortgages and Volume 2 sets forth the Seller's responsibilities and obligations with respect to the Servicing of Mortgages. For specific information relating to general sale, delivery and servicing requirements for Mortgages sold under the Servicing Released Sales Process, refer to: Guide Chapter 17: Mortgage Delivery Instructions Guide Chapter 9: Requirements for selling fixed-rate Mortgages to Freddie Mac under fixed-rate Cash Contracts, and specifically Guide Section 9.9, Requirements for the Servicing Released Sales Process. Guide Exhibit 28A: Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process. The Loan Servicing Purchase and Sale Agreement ("Agreement") is by and between a Seller participating in the Freddie Mac Selling System Servicing-Released Sales Process ("Seller") and a Servicer approved by Freddie Mac to service Loans sold to Freddie Mac through the Servicing-Released Sales Process ("Servicer"). When you sell Mortgages under the SRSP you agree to comply with the terms of Exhibit 28A. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-2

Introduction The diagram below illustrates a high level process flow of the Servicing Released Sales Process. Take out Contract Take out a Cash Servicing Released Contract in the Selling System under a Mandatory option or Best Efforts option Freddie Mac Loan Delivery Complete delivery of loan data through the selling system Allocate loan(s) to the contract, if applicable Clear all critical edits Forward Note and other documents required for certification (custodial documents) to Freddie Mac's Designated Custodian Clear certification edits Note is certified The loan status in the selling system will change through the delivery stages of New, Ready to Fund, Settlement Locked and Funded. Freddie Mac Settlement On the Funding Date/Sale Date: Receive cash wire from Freddie Mac Cash wire Includes funding adjustments and net funding as noted in Guide Section 9.9 (c) Includes the Servicing Released Premium Access cash settlement statements in the selling system Funding Details Report Loan Purchase Statement View/confirm Servicer identification in the Selling System Mortgage servicing rights transfer from the Seller to the Servicer Delivery to the Servicer Seller at its own expense, shall deliver within three (3) business days after the Sale Date, the following: Loan Information Servicing delivery file Other Documents Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-3

Introduction Selling System Delivery Tips The information below will assist you in delivering certain servicing released loan data. Follow these instructions to prevent delivery and funding errors between Freddie Mac, the Transferee Servicer, (hereafter referred to as Servicer) and the Seller. How to Prevent Data and Funding Errors for Mortgages Sold Through the SRSP Data delivery requirements for mortgages sold through the SRSP are the same as for all mortgages sold to Freddie Mac. Delivering accurate data for all required fields will prevent data and funding errors. It is imperative that Sellers adhere to the delivery requirements in Guide Chapter 17. If you deliver inaccurate information in the selling system, it can affect the amount Freddie Mac funds the Seller and funding adjustments due the Servicer such as escrow funds, interest adjustment, etc. Likewise, the erroneous information can be used by the Servicer to set up the borrowers servicing account which can result in untimely servicing set up and lead to RESPA violations. The information below highlights certain servicing released data delivery fields where we see frequent data delivery errors. Following the instructions below will prevent funding errors and post settlement reconciliation with the Servicer. How to Deliver a Scheduled UPB and Valid DDLPI When selling mortgages to Freddie Mac for cash, you must deliver a scheduled unpaid principal balance (UPB). Furthermore, when delivering a mortgage through the SRSP, you may have to amortize down the UPB under certain circumstances as described below. When the Freddie Mac funding date occurs after the 10 th of the month in which the interest is paid to, you may have to amortize down the loan. The table below provides detailed steps on data delivery requirements for the Loan Acquisition Scheduled UPB Amount and the Last Paid Installment Due Date and Servicer packaging requirements. Example: How to Deliver a Scheduled UPB and Update the Last Paid Installment Due Date If the You must Here s what you need to do: Freddie Mac Funding Date is 04/11/2013 and the Last Paid Installment Due Date is 04/01/2013 and the Note date is 03/01/2013 Amortize down the loan by the amount of principal due in the month following funding, whether or not the payment(s) was collected. Go to the Loan Acquisition Scheduled UPB Amount field and modify it by amortizing down the loan by one payment (include the April 2013 P&I payment), even if the payment was not collected Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-4

Introduction How to Deliver a Scheduled UPB and Update the Last Paid Installment Due Date If the You must Here s what you need to do: (cont d) Freddie Mac Funding Date is 04/11/2013 and the Last Paid Installment Due Date is 04/01/2013 and the Note date is 03/01/2013 Freddie Mac Funding Date is 04/10/2013, the Last Paid Installment Due Date (known as DDLPI) 04/01/2013 and the Note Date is 03/01/2013 Advance the Last Paid Installment Due Date (formerly known as DDLPI) When amortizing down a mortgage with escrow collections, you must include the escrow portion of the payment(s) applied Include a payment history in the transfer of servicing file to the Servicer If no payments or curtailments have been received, no adjustments are needed. Go to the Last Paid Installment Due Date field and enter a date of 05/01/2013 1. Go to the section titled Other Funds Collected at Closing Details 2. Select Escrow Funds 3. Add the dollar value of the escrow portion of the payment to the Other Funds Collected at Closing Amount field The delivery file to the Servicer must contain a legible loan payment history (attached in the order shown on the Document Checklist) that includes: 1. The amount of the applied payment 2. Date the payment was applied dates applied 3. Current UPB, etc. Enter the Loan Acquisition Scheduled UPB Amount as the same amount shown the Note and enter the DDLPI Date also as shown on your lending documents of 4/01/2013. Also refer to Guide section 17.33 and the selling system s page level help, Calculate Loan Acquisition Scheduled UPB Amount. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-5

Introduction The illustration below displays the selling system s loan screen that contains the data points for the Loan Acquisition Scheduled UPB Amount and the Last Paid Installment Due Date (also referred to as the DDLPI). Note: The selling system calculates the scheduled UPB (a feature available in the loan pipeline) however; this feature does not advance the DDLPI date in accordance with the Servicing Released Transfer requirements. If you use this tool, you must return to the Create/Modify loan screen and edit the Last Paid Installment Due Date. Note: For more information on funding adjustments and reconciliation of funding adjustments, refer to Sections 1.4 and 3.2 of Guide Exhibit 28A and Guide Section 9.9 (c). How to Enter Monthly Escrow Collections The selling system will price escrowed and non-escrowed loans differently based on the price offered by the Servicer. When you create a contract in the selling system, you must indicate whether the Escrow Coverage includes Taxes and Insurance (an escrowed loan) or if the loan is Not Escrowed. The contract price you receive will be based on the escrow coverage option selected. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-6

Introduction In some instances, the borrower may request the collection of partial escrows. Partial escrow collections are allowed through the SRSP however, there is no pricing benefit. The two contract pricing options for Escrow Coverage are Taxes and Insurance (fully escrowed) or Not Escrowed (no escrows). For mortgages with full or partial escrow collections, the Seller must complete all required escrow information. The procedure below illustrates how to enter escrow loan data in the selling system s create and/or modify loan screen. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-7

Introduction 1. From the create/modify loan screen, go to the Origination Details section. 2. Go to the Escrow Indicator field and click the drop down menu to select True for loans with full or partial escrow collections. If the mortgage is not escrowed, select False and continue with the entry of the remaining delivery data fields. 3. If you selected True, the Current Escrow Information link will display. Click the link to advance to the escrow breakdown data fields. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-8

Introduction 4. The system will advance you to the Current tab. Scroll down to the Escrow Details section. 5. Click the drop down menu to select the type of escrow collection and then enter the amount of the monthly collection in dollars and cents using two decimals spaces. (Do not enter any information in this section if the mortgage is not escrowed.) If the loan has partial escrows collections, enter only the Escrow Item Type and the Escrow Monthly Payment Amount for the escrow item that will be included in the borrower s monthly PITI payment. For mortgages with monthly escrow collections, also refer to the section titled How to Enter Escrow and Buydown Funds (formerly known as the Escrow Deposit). Note: It is the Seller s responsibility to ensure the information entered in the Escrow Details section is correct. The Servicer uses this information to set up the borrower s monthly PITI payment. Therefore, if you enter the data incorrectly, it will result in incorrect billing to the borrower. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-9

Introduction How to Enter Escrow and Buydown Funds (Formerly known as the Escrow Deposit) When the mortgage has monthly escrow collections or a temporary buydown subsidy, the Seller must complete the information required in the section titled Other Funds Collected at closing. The amounts entered in this section, known as servicing released adjustments, are automatically deducted/netted (on the funding date) from the amount disbursed to the Seller and are simultaneously wired to the Servicer. The procedure below illustrates how to enter data in Other Funds Collected at Closing Details section of the selling system s create and/or modify loan screen. 1. From the create/modify loan screen, go to the Other Funds Collected at Closing Details section. 2. Click the check box next to Other Funds Collected at Closing Type 3. Click the drop down menu for Other Funds Collected at Closing Type and select Escrow Funds or Buydown (for the unapplied temporary buydown subsidy). Do not select Advanced PITI Payment or Principal Curtailment. 4. Go to the Other Funds Collected at Closing Amount and enter the applicable amount. Refer to the table below to assist you in calculating the dollar value required in this field. Enter Other Funds Collected at Closing Type Other Funds Collected At Closing Type Other Funds Collected At Closing Amount Escrow Funds $ Total escrows collected at closing as per the HUD I - Less any aggregate adjustments - Less escrow disbursements due and payable within 60 Days of the Freddie Mac funding date + Plus the taxes and insurance portion of an applied payment (for example, when the mortgage is amortized down by a payment.) = Total If the a disbursement is due to an escrow collection authority within 60 days of the Freddie Mac funding date, the seller must: Pay the amount due Contact the Servicer to inform them of the reimbursement due the Seller Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-10

Introduction Enter Other Funds Collected at Closing Type Other Funds Collected At Closing Type Other Funds Collected At Closing Amount Provide the Servicer with clear evidence (paper trail) reflecting the amount paid and satisfied Provide a fully executed Payment/Refund Transmittal to the Servicer Buydown Funds Enter the dollar value of the unapplied temporary buydown subsidy as per the HUD I The example below illustrates a loan with Escrow collections and Temporary Buydown Subsidy funds. The identified funds type and amounts are due the Servicer and are used to establish the borrower s loan record and for set up of the borrower s escrow and/or Temporary Buydown Subsidy account(s). Note : When an escrow disbursement is payable within 60 days of the Freddie Mac funding date, the Seller is responsible for disbursing funds to the appropriate collection authority. When this occurs, the Seller must provide the Servicer with documentation evidencing that the full payment was made to the collection authority. Completing Borrower Mailing Address Information The Borrower Mailing Address Certification Form is required when the primary borrower s mailing address is different from the subject property address, for instance, when: The subject property is a second home The subject property is an investment The primary borrower is stationed away from the subject property Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-11

Introduction Follow the steps below to complete the required information. 1. From the create/modify loan screen, go to the Borrower Mailing Address (Borrower 1) section 2. If the primary Borrower s Mail to Address is not the Same as Property Indicator (the subject property address), select False and complete the remaining information in this section including the country code 3. If the Borrower Mail to Address is the Same as Property Indicator (the subject property address), select True and leave the remaining information in this section blank. The Servicer will use the information contained on the Borrower Mailing Address Certification when forwarding correspondence, billing statements and miscellaneous information to the borrower. If you forgot to complete this section before the loan status changed to Settlement Locked, you must complete the Borrower Mailing and Billing Address Certification (located in the Chapter 14, Checklists and Forms) and place it in the servicing delivery file in the order as shown on the Document Checklist. Understanding Your Freddie Mac Settlement Statements Freddie Mac disburses payment to the Seller (via a cash wire) on the Freddie Mac funding date for mortgages purchased. The cash disbursement includes the cash price, servicing released premium (SRP), if applicable, in addition to funding adjustments and net funding. What is Net Funding? Net funding is the process by which Freddie Mac funds mortgages sold for cash. Under the Servicing Released Sales Process, Freddie Mac will net applicable adjustments due the Servicer from the total amount due the Seller. Freddie Mac will transfer all applicable disbursements due both the Seller and the Servicer on the Freddie Mac funding date. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-12

Introduction Funding Adjustments Funding adjustments are comprised of the escrow funds (formerly known as the escrow deposit), interest adjustment, Servicing Spread, tax service fee, transaction fee and Temporary Buydown Subsidy funds. The amount of funding adjustments will be identified on the funding date as follows: The Seller enters in the Selling System the amounts held as escrow funds and Temporary Buydown Subsidy funds for each Mortgage sold servicing released and The Selling System calculates the interest adjustment, Servicing Spread, tax service fee and transaction fee Refer to Guide Section 17.33 for additional information regarding delivery requirements for Mortgages sold servicing released under Mandatory Cash Contracts or Best Efforts Contracts. The accuracy of the escrow funds and Temporary Buydown Subsidy funds, as submitted by the Seller, is the responsibility of the Seller. Freddie Mac does not edit or validate the amounts of the Escrow funds and Temporary Buydown Subsidy funds. Funding adjustments calculated by the selling system include: Interest Adjustments Servicing Spread Adjustment (if applicable) Tax Service Fee Transaction Fee On the Funding Date, Freddie Mac deducts the amount of the funding adjustments from the sales proceeds paid by Freddie Mac for the purchase of each Mortgage sold servicing released by the Seller under a Mandatory or Best Efforts cash contract. Freddie Mac forwards the deducted amount of the funding adjustments to the Servicer. Any reconciliation, correction or adjustment to the amount of escrow funds or Temporary Buydown Subsidy funds transferred to the Servicer is the responsibility of the Seller and the Servicer. Freddie Mac will not adjust, calculate, refund or pay any amounts with respect to the escrow funds or Temporary Buydown Subsidy funds after the Funding Date. Accrued Interest/Interest Adjustment The Seller is due accrued interest for each Mortgage sold to Freddie Mac unless the Freddie Mac funding date is the first (1 st ) of the month. When the Servicer is due interest, it is referred to as an Interest Adjustment. This amount is calculated by the selling system and is paid as follows: When the Freddie Mac funding date occurs in the month prior to the DDLPI date, the Servicer is due the interest adjustment. When the Freddie Mac funding date occurs in the same month as the DDLPI date, the Seller is due the accrued interest. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-13

Introduction Servicing Spread Adjustment The Servicing Spread adjustment is compensation for servicing mortgages for Freddie Mac. This amount is calculated by the selling system and paid as follows: When the Freddie Mac funding date occurs in the month prior to the DDLPI date, the Servicer is due the servicing spread adjustment. When the Freddie Mac funding date occurs in the same month as the DDLPI date, the Seller is due the servicing spread adjustment. Tax Service Fee A tax service fee is charged by the Servicer for preparation of the initial escrow analysis for all loans. The tax service fee due each participating Servicer is $80 and is subject to change without notice at the Servicer s discretion. The tax service fee is a funding adjustment as noted in Guide Chapter 9.9 (c) and is automatically transferred by Freddie Mac from the Seller to the Servicer on the funding date. Transaction Fee The transaction fee is a fee due the Servicer for the initial costs associated with setting up the Mortgage. The fee due each participating Servicer is $150 and is subject to change without notice at each Servicer s discretion. The transaction fee is a funding adjustment as noted in Guide Section 9.9 (c) and is automatically transferred by Freddie Mac from the Seller to the Servicer on the Freddie Mac funding date. Settlement Statements Sellers can confirm loan funding and the total amounts disbursed to the Seller and the Servicer by accessing Settlement Statements in the selling system. The statements become available on the Freddie Mac funding date as follows: Loan Purchase Statement Funding Details Report in the selling system Access Settlement Statements Follow the steps below to view your settlement statements. 1. From the left navigation bar select View Settlement Statements. The View Settlement Statements: Search screen displays. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-14

Introduction 2. Enter your search criteria. 3. Click View Contracts. The View Settlement Statements screen displays. 4. Select the contract you want to access by clicking the check box for specific contracts or Select Page for all the contracts displayed on the page you are viewing. 5. Click the View Purchase Statements tab to view the Loan Purchase Statement or click the View Funding Details tab to view the Funding Details Report. The reports will display in Adobe Acrobat format. To learn more about settlement statements, access: http://www.freddiemac.com/help/ss/settlement_funding/cash_funding_released_table.html Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-15

Introduction The example below depicts the Loan Purchase Statement and provides a funding breakdown using the first loan displayed on the statement: Name Add or Subtract Amount Principal Purchased $398,654.58 Accrued Interest + $ 477.55* Total Fees + $ 2,989.92* Premium (Discount) - ($ 14,698.40)* This amount is added or deducted to/from the Total Disbursement depending on the base price: If the base price is below 100%, this is the Discount and the amount is deducted (a minus). If the base price is above 100%, this is a Premium and the amount is added, (a plus). Servicing Released Proceeds Summary - $ 2,729.39* Servicing Released adjustments for: Escrow Funds Collected at Closing, Interest Adjustment, Servicing Spread Adjustment, Tax Fee and Transaction Fee Total Disbursement = $378,714.42** (Amount wired to the Seller) Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-16

Introduction *If this amount is enclosed in parentheses, it is deducted from the Total Disbursement. **Deductions for servicing released adjustments as displayed in the Servicing Released Proceeds Summary section AND includes a credit for the Servicing Released Premium. For more information, refer to Guide Chapter 9 and Exhibit 28A. The amounts in the Servicing Released Proceeds Summary are wired to the Servicer on the settlement/funding date. How to Export the Servicer Assigned Loan Identifier The Servicer assigned loan identifier is available in the selling system beginning on the Freddie Mac funding date. This field is better known as the Servicer Delivered Servicer Loan Identifier. While the identifier cannot be viewed in the selling system, it can be exported. Sellers can export the Servicer Delivered Servicer Loan Identifier to: Include in the loan sale notification letters or correspondence with the borrower and interested parties Assist you and the borrower in tracking the loan with the Servicer You can access this data field from the selling system s Export Data function. The data field is available within the Summary Data MISMO 3.0 export data set (shown below), and can be added to a customized data set. Next Steps To learn more about the export function, create or modify customized data sets, refer to the Export Your Loan Data and Modify a Customized Export Data Set job aids. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-17

Introduction Delivery to the Servicer As noted in Guide Exhibit 28A, Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process, the Freddie Mac funding date/sale date triggers the delivery time-line to the Servicer. Within three (3) Business Days after that date, the Seller at its own expense must furnish the Servicer with the following: Loan Information. Available computer or like records requested by Servicer reflecting pertinent information on the Loans as of the Origination Dates of such Loans, including but not limited to comprehensive tax and insurance information identifying payee, payee address, next payment due date, and policy number. File. Provide a complete loan file to Servicer or as directed by Freddie Mac. Seller must also retain a copy of the complete loan file and maintain that copy in accordance with the requirements of Chapter 52. Other Documents. Seller shall deliver to Servicer any and all further documents reasonably required by Servicer in order to fully transfer to Servicer all of Seller's rights, title and interest in and to the Servicing Rights and escrow funds transferred hereunder. Late Fee. If the Seller fails to comply with their obligations after the Sale Date as noted in Section 4.2 of Guide Exhibit 28A, Servicer may, in its sole discretion, charge Seller a late fee of up to $500. Also refer to the section titled Late and Incorrect Delivery to the Servicer for additional information on late fees. The remaining Chapters of this User Guide, otherwise known as the Servicing Transfer Instructions, contain the details, instructions and information you will need to successfully sell mortgages and deliver the required data to the Servicer under the SRSP. Servicing Transfer Instructions User Guide April 2015 Chapter 1: Introduction Page 1-18

Chapter Identify the Servicer 2 How to Identify the Servicer in the Selling System The assignment of the Servicing to a Servicer is final in the selling system on the Freddie Mac funding date. When preparing the mortgage documentation for delivery to the Servicer, you must ensure you are delivering the documents to the correct Servicer. Servicers selected by Freddie Mac to participate in the Servicing Released Sales Process are identified in the selling system by a six-digit number. The Servicer identification numbers are: Identify the Servicer Servicer Name Servicer Identification Number Central Mortgage Company 120787 Homeward Residential, Inc. 159435 Nationstar Mortgage LLC 157360 PNC Bank, NA 170287 U.S. Bank Home Mortgage 589603 The Servicer Identification Number displays in the contract details screen. Use the following steps to access the contract details screen to identify the Servicer: 1. Log into the Selling System 2. Go to the contract pipeline 3. Enter the contract number for the search criteria 4. Click list loans 5. The contract results display. Click on the contract number to advance to the contract details screen. Servicing Transfer Instructions User Guide July 2015 Chapter 2: Identify the Servicer 2-1

6. The contract details screen displays. The Servicer Identification Number is located in the Loan Details section. Servicing Transfer Instructions User Guide July 2015 Chapter 2: Identify the Servicer 2-2

Note: Sellers may remove a Servicing Buyer s eligibility to purchase servicing rights for mortgages sold to Freddie Mac under the Servicing Released Sales Process. Refer to Guide Section 9.9 (e) for information on Screening out Transferee Servicers. Note: Servicer may remove a Seller s eligibility to transfer Servicing rights to such servicer for mortgage sold to Freddie Mac under the Servicing Released Sales Process. Refer to Guide Section 9.9(g) for information on Servicer s rights to screen out the Seller. Servicing Transfer Instructions User Guide July 2015 Chapter 2: Identify the Servicer 2-3

Chapter Package and Deliver Documents 3 How to Deliver to the Servicer The servicing delivery file must be sent to the Servicer not more than 3 business days after Freddie Mac Funding Date. Each servicing delivery file must include: 1. A fully executed Selling System Document Checklist. The Document Checklist is located in Chapter 14, Checklists and Forms. The checklist identifies all of the documents, where applicable, that must be included in the Servicing delivery file. This is so known as the stacking order and must be adhered to when delivering the file to the Servicer. The Servicing delivery file contains a combination of loan origination, loan closing and miscellaneous Freddie Mac documents. 2. Original or imaged origination and closing documents as applicable, copies of all documents sent for recording, copies of any documents held by Freddie Mac s Designated Custodian (such as Note, Riders & Power of Attorney) along with miscellaneous selling system delivery documents. Servicer Mailing and Delivery Information The Servicing delivery file must be forwarded to the Servicer not more than 3 business days after Freddie Mac Funding Date. Refer to the table below for information on delivery addresses and contact information. Servicer Contract Information for New Loan Set Ups Servicer Name Mailing Address for Forwarding Servicing File New Loan Set Up Contact New Loan Set Up Phone Number/Email Accepts Imaged Documents Central Mortgage Company Central Mortgage Company, Attn: File Delivery, 801 John Barrow Road, Suite 1, Little Rock, AR 72205 FileDelivery@central mortgageonline.com FileDelivery@centralmort gageonline.com Yes See section titled Imaged Mortgage Documents. Homeward Residential, Inc. Ocwen Financial Corporation 5720 Premier Park Drive, Building 3 West Palm Beach, FL 33407 LSU_Shared@ocwen 1.com LSU_Shared@ocwen1.c om N/A Servicing Transfer Instructions User Guide July 2015

Servicer Contract Information New Loan Set Up Servicer Name Overnight Mailing Address for Forwarding Servicing File New Loan Set Up Contact New Loan Set Up Phone Number/Email Accepts Imaged Documents Nationstar Mortgage LLC Nationstar Mortgage, Attn: Doc Admin, 8950 Cypress Waters Blvd., Coppell, TX 75019 Flow Acquisitions Department FlowServicingAcquisition s@nationstarmail.com Yes See section titled Imaged Mortgage Documents. PNC PNC Mortgage Records/Image Center 8177 Washington Church Rd. B6-YM10-01-1 Miamisburg, OH 45342 Nick Nueslein Flow Servicing Dept. Nicholas.Nueslein@pnc mortgage.com 937-910-2072 FlowServicng@pncmortg age.com See section titled Imaged Mortgage Documents. US Bank Home Mortgage US Bank Home Mortgage, Attn: Jessica Green, Freddie Mac Acquisitions, CN-KY-APAC, 3751 Airpark Drive, Owensboro, KY 42301 Jessica Green jessica.green@usba nk.com 270-686-5387 No Packaging Instructions After the loan documents have been arranged in the Document Checklist order, the Seller must prepare the file for delivery to the Servicer. Follow the instruction below on how to package and deliver single and multiple loan files. How to Package Single Loan Files 1. Documents must be placed in a legal size file folder and fastened to the interior, right side of the folder. 2. Documents must be placed in the order listed the Selling System Document Checklist. 3. A fully executed Selling System Document Checklist must be placed at the top of the stacking order and must include all required Seller contact information. 4. Mark the outside of the folder with Freddie Mac Servicing Released Selling System. This will flag the Servicer s receiving office on where to forward the loan for set up and prioritization. 5. Ensure the file is labeled and contains the borrower s name and subject property address. Servicing Transfer Instructions User Guide July 2015 Chapter 3: Package and Deliver Documents 3-2

How to Package Multiple/Bulk Loan Files 1. Documents must be placed in a legal size file folder and fastened to the interior, right side of the folder. 2. Documents must be placed in the order listed the Selling System Document Checklist. 3. A fully executed Selling System Document Checklist must be placed at the top of the stacking order and must include all required Seller contact information. 4. Place bulk files in standard, two (2) cubic foot boxes with lids. 5. Using a wide tip marker, number each box clearly on the bottom left corner of the box top. 6. Each box of files must contain an inventory list of the enclosed loans files and the box number it pertains to. Imaged Mortgage Documents Certain Servicers are offering the document imaging option for file delivery. If you are interested in using this option, contact the Servicer directly. If the Servicer approves the Seller for document imaging, the Servicer will provide Seller with their document imaging requirements and instructions. The participating Servicers are shown in the table below. Servicer Name Nationstar Mortgage LLC Central Mortgage Company Homeward Residential, Inc. PNC Servicer Name Nationstar Mortgage LLC Central Mortgage Company Homeward Residential, Inc. PNC Imaged Documents Contact Information Final.Docs@nationstarmail.com Wayne Duncan: 501-716-4961 Tracy Hillsgrove Phone: 561-682-7824 Tracy.Hillsgrove@Ocwen.com Nick Nueslein 937-910-2072 Nicholas.Nueslein@pncmortgage.com Acceptable Formats TIF and PDF image formats. Additionally, Nationstar will accept single document images (one image file per loan document), or multi-document images (all loan docs merged into one image file). Please contact Nationstar using the above email address for detailed electronic image delivery instructions. Contact Wayne Duncan for complete instructions. Contact Tracy Hillsgrove for complete instructions. Contact Nick Nueslein for complete instructions. Servicing Transfer Instructions User Guide July 2015 Chapter 3: Package and Deliver Documents 3-3

Chapter Outstanding Documents 4 Outstanding Documents Missing documents can cause a delay for the Servicer in setting up the borrower s loan record for monthly billing purposes. Such delays could result in RESPA violations. Therefore, it is imperative that the documents identified on the Document Checklist are included in the servicing delivery file. Refer to Document Checklist, located in Chapter 14 of this user guide, for more information on required documents. How to Forward Documents When the Servicer receives an incomplete servicing file delivery from the Seller, the Servicer will notify the Seller of the delivery deficiencies. The Seller must respond to the notification by forwarding the following to the Servicer: All outstanding documents within 24 hours of notification by Servicer A fully executed Document Checklist identifying the documents forwarded The table below provides address and contact information for forwarding outstanding documents. Forward Outstanding Documents Servicer Name Address Contact Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Central Mortgage Company 801 John Barrow Road, Suite 1 Little Rock, AR 72205 Attn: Final Docs Ocwen Financial Corporation 5720 Premier Park Drive, Building 3 West Palm Beach, FL 33407 Nationstar Mortgage LLC Attn: Doc Admin 8950 Cypress Waters Boulevard, Coppell, TX 75019 PNC Mortgage 3232 Newmark Drive MS B6-YM13-01-1 Miamisburg, OH 45342 US Bank Home Mortgage Attn: Jessica Green, CN-KY-APAC 3751 Airpark Drive, Owensboro, KY 42301 Kasey L. Emmerling Phone: 501-716-4897 KEMMERLING@arvest.com and finaldocuments@centralmortgageonline.com Tracy Hillsgrove Phone: 561-682-7824 Tracy.hillsgrove@ocwen.com Final.Docs@NationstarMail.com FlowServicing@pncmortgage.com Or Nick Nueslein 937-910-2072 Jessica Green Phone: 270-686-5387 Fax: 270-686-5566 jessica.green@usbank.com Servicing Transfer Instructions User Guide July 2015

A fully executed Document Checklist is required when forwarding outstanding documents. The Document Checklist is located in Chapter 14 of this user guide. Refer to Chapter 3, Package and Deliver Documents, for more information on the how to package and deliver the servicing delivery file. Servicing Transfer Instructions User Guide July 2015 Chapter 4: Outstanding Documents 4-2

Chapter 5 Notification to Interested Parties and Good-bye Letters Notification to Interested Parties On the Freddie Mac funding date or in accordance with RESPA and applicable laws, the Seller must provide a written notice to all interested parties of the transfer of Servicing rights from the Seller to the Servicer. Notification letter must be sent to: The Mortgagors Insurance Carriers o Title o Fire and Extended Coverage o Flood Catastrophe o Private Mortgage Real Estate Tax Authorities Notice to Insurance Companies On the Freddie Mac funding date, the Seller must provide a written notice to all interested insurance companies and/or their agents of the transfer of Servicing rights from the Seller to the Servicer. Flood and Catastrophe Insurance Final evidence of life-of-loan, transferable flood insurance must meet the requirements set forth in the Guide, Section 58.3. If the property is in a flood zone, but flood insurance has been waived, the mortgage file must include documentation, which explains the basis of the waiver (FEMA Letter of Map Amendment or FEMA Letter of Map Revision). The assignment of existing flood certifications is handled differently amongst the Servicers. Refer to the table below for Servicer specific requirements: Flood Certification Assignment Requirements Name of Servicer Requirements Central Mortgage Company If the Flood Certification is with CoreLogic, Lereta, LLC or LPS: Seller must reassign the flood certificate to Central Mortgage Company. If the Flood Certificate is not with CoreLogic, Lereta, LLC or LPS: Central Mortgage Company will order a new certificate. Homeward Residential, Inc. If the Flood certificate is with CoreLogic, the Seller must reassign the flood certificate to Ocwen Loan Servicing, LLC. If the Flood certificate is not with CoreLogic, Ocwen will order a new certificate. Servicing Transfer Instructions User Guide August 2015

Name of Servicer Nationstar Mortgage LLC PNC Flood Certification Assignment Requirements Requirements Flood Certifications with CoreLogic seller must reassign the flood certificate to Nationstar. If the Flood certificate is not with CoreLogic, Nationstar will order a new certificate. If the Flood Certification is with LPS, seller must reassign the Flood Certificate to PNC. US Bank Home Mortgage If the Flood Certification is not with LPS, PNC will order a new certificate. US Bank Home Mortgage will automatically order a new certification, therefore no reassignment by the Seller is necessary Hazard Insurance (Fire and Extended Coverage) Evidence of hazard insurance must be forwarded in the form of a current policy or a hazard insurance binder and paid receipt. For purchase transactions, the Seller must provide evidence that the policy has been paid in full for the first year. For refinance transactions or transfer of an existing policy, the Seller must provide a balance sufficient to pay the policy in full at time of renewal. The insurance policy must comply with the requirements for evidence of insurance set forth in Section 58.7 of the Guide. Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-2

Optional Insurance Optional insurance coverage such as mortgage life insurance is not transferable from the Seller to the Servicer. If the borrower elected optional insurance coverage, the Seller must make arrangements to bill the borrower directly for this coverage on or before the Freddie Mac Funding Date. Private Mortgage Insurance Private mortgage insurance is required in most instances where the LTV exceeds 80 percent unless otherwise required in the Guide and/or the Seller s other Purchase Documents. Annual Mortgage Insurance. The Seller must collect and pay the first annual premium. If the premium is paid at closing, the HUD-I must reflect the premium paid in advance by the lender. If paid after closing, the Seller must provide the Servicer with clear evidence that the first annual premium was paid in full. The lender may either provide a copy of the check sent to the mortgage Insurer or a copy of the paid receipt. Monthly Mortgage Insurance. The Seller must collect two months of mortgage insurance payments at closing. If the premium is paid at closing, the HUD I must reflect the payments paid in advance by the lender. If paid after closing, the Seller must provide the Servicer with clear evidence that two months worth of payments were paid to the Mortgage Insurer. The lender may either provide a copy of the check sent to the Mortgage Insurer or a copy of the paid receipt. Zero Initial Monthly Premium Mortgage Insurance. The Seller must collect a zero initial premium at closing. Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-3

Title Insurance The title insurance must name the Servicer and its successors and assigns as an insured in the Seller s policy of title insurance for the loan (unless the Seller s policy of the title insurance for the loan defines insured as any owner of indebtedness secured by the insured mortgage). Execute Other Documents The Seller must provide written notification of the transfer of the Servicing rights to any collection authority entitled to receive escrow or impounds associated with the mortgage. Such notifications must instruct the collection authority to deliver all future notices, tax bills, insurance statements and related correspondence to the Servicer and must provide the applicable contact information and address shown below: Required Contact Information for Loan Sale Notification Letters Servicer Name Tax Authority Hazard Insurance Flood Insurance Private Mortgage Insurance Central Mortgage Company Homeward Residential, Inc. Central Mortgage Company, 801 John Barrow Road, Suite 1 Little Rock, AR 72205, Attn: Tax Department, 1-800-366-2132 taxgroup@centralm ortgageonline.com Ocwen Loan Servicing, LLC P.O. Box 24665 West Palm Beach, FL 33416-4665 Central Mortgage Company, Its Successors and/or Assigns, 801 John Barrow Road, Suite 1, Little Rock, AR 72205 1-800-366-2132 insurance@centralm ortgageonline.com Ocwen Loan Servicing, LLC, Its Successors and/or Assigns, P. O. Box 6723 Springfield, OH 45501-6723 Central Mortgage Company, Its Successors and/or Assigns, 801 John Barrow Road, Suite 1, Little Rock, AR 72205, insurance@centr almortgageonline.com Ocwen Loan Servicing, LLC, Its Successors and/or Assigns P. O. Box 6723 Springfield, OH 45501-6723 Central Mortgage Company, 801 John Barrow Road, Suite 1, Little Rock, AR 72205, insurance@centra lmortgageonline.c om Ocwen Loan Servicing, LLC 3451 Hammond Avenue, Waterloo, IA 50702 Nationstar Mortgage LLC Nationstar Mortgage LLC Attn: Tax Department, 8950 Cypress Waters Blvd., Coppell, TX 75019 (866)825-9265 updateinsurance@oc wen.com Nationstar Mortgage LLC Its Successors and/or Assigns, P.O. Box 7729, Springfield, Ohio 45501-7729 (866) 825-9267 (866)825-9265 updateinsurance @ocwen.com Nationstar Mortgage LLC Its Successors and/or Assigns, P.O. Box 7729, Springfield, Ohio 45501-7729 Nationstar Mortgage LLC Attn: Mortgage Insurance Department, 8950 Cypress Waters Blvd., Coppell, TX 75019 Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-4

PNC PA Customers: Tax Department- 0046586 P.O. Box 961242 Ft. Worth, TX 76161-9839 FAX: 817-826- 1697 PNC Bank, National Association ISAOA/ATIMA PO Box 7433 Springfield, OH 45501 PNC Bank, National Association ISAOA/ATIMA PO Box 7433 Springfield, OH 45501 PNC Mortgage Attention Insurance Dept. PO Box 8736 B6-YM13-01-5 Dayton, OH 45401-8736 NON PA Customers: PNC Mortgage Mail stop B6YM13017 PO Box 1804 Dayton Ohio 45401-1804 fax 855-226-0948 US Bank Home Mortgage U.S. Bank Home Mortgage, Attn: Tax Department, 3751 Airpark Drive, Owensboro, KY 42301 U.S. Bank National Association Its Successors and/or Assigns, c/o U.S. Bank Home Mortgage, P.O. Box 7298, Springfield, OH 45501-7298 U.S. Bank Home Mortgage, Attn: Kathie Wolfe Insurance Dept., P.O. Box 20005, Owensboro, KY 42305-0005 U.S. Bank Home Mortgage, Attn: Sarah Johnson Insurance Dept., P.O. Box 20005, Owensboro, KY 42305-0005 For more information on Loan Sale Notification Letters refer to Exhibit 28A, 4.1. Issue a Good-bye Letter A Good-bye letter (sometimes known as Notice to Mortgagor) must be issued to the borrowers informing them of the transfer of servicing from the Seller to the Servicer. The form and content of the Good-bye letter must comply with the Real Estate Settlement Procedures Act (RESPA); RESPA s implementing Regulation X, and other applicable laws and regulations. The Seller must provide each mortgagor with a written notice at loan closing or such other time as required by RESPA and other applicable laws and regulations. For questions, refer to refer to Section 4.1(b) of Guide Exhibit 28A, Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process. The table below provides the Servicer-specific information to be included in the Goodbye letter: Servicer s Payment Address for Standard Mail with a Statement Servicer Name Payment Address Central Mortgage Central Mortgage Company, P.O. Box 8025, Little Rock, AR 72203 Company Homeward Ocwen Loan Servicing, LLC, P.O. Box 6440, Carol Stream, IL 60197-6440 Residential, Inc. Nationstar Nationstar Mortgage LLC, Attn: Payment Processing, 8950 Cypress Waters Mortgage LLC Boulevard, Coppell, TX 75019 PNC PNC Mortgage B6-YM14-01-1, Attn: Payment Processing, P.O. Box 1820, Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-5

Miamisburg, OH 45401-1820 US Bank Home US Bank Home Mortgage, Attn: Payment Processing3751 Airpark Drive, Mortgage Owensboro, KY 42301 Servicers Payment Address for Standard Mail without a Statement Servicer Name Payment Address Central Mortgage Central Mortgage Company, P.O. Box 8025, Little Rock, AR 72203 Company Homeward Ocwen Loan Servicing, LLC, P.O. Box 6440, Carol Stream, IL 60197-6440 Residential, Inc. Nationstar N/A Mortgage LLC PNC PNC Mortgage B6-YM14-01-1, Attn: Payment Processing, P.O. Box 1820, Miamisburg, OH 45401-1820 US Bank Home N/A Mortgage Servicer s Payment Address for Express Overnight Mail with a Statement Servicer Name Payment Address Central Mortgage Central Mortgage Company, 801 John Barrow Road, Suite 1, Little Rock, AR Company 72205 Homeward Ocwen Loan Servicing, LLC, Attn: Cashiering Payoffs, 1661 Worthington Rd., Residential, Inc. Suite 100, West Palm Beach, FL 33409 Nationstar Nationstar Mortgage LLC, Attn: Payment Processing, 8950 Cypress Waters Mortgage LLC Boulevard, Coppell, TX 75019 PNC PNC Mortgage 3232 Newmark Drive B6-TM14-01-1 Attn: Payment Processing, Miamisburg OH 45101-1820 US Bank Home US Bank Home Mortgage, Attn: Payment Processing, 3751 Airpark Drive, Mortgage Owensboro, KY 42301 Servicer s Payment Address for Express Overnight Mail without a Statement Servicer Name Payment Address Central Mortgage Company Central Mortgage Company, 801 John Barrow Road, Suite 1, Little Rock, AR 72205 Homeward N/A Residential, Inc. Nationstar Mortgage LLC Nationstar Mortgage LLC, Attn: Payment Processing, 8950 Cypress Waters Boulevard, Coppell, TX 75019 PNC PNC Mortgage 3232 Newmark Drive B6-TM14-01-1 Attn: Payment Processing, Miamisburg OH 45101-1820 US Bank Home Mortgage US Bank Home Mortgage, Attn: Payment Processing Dept., 3751 Airpark Drive, Owensboro, KY 42301 Customer Service Information Servicer Name Phone Number and Forward General Automatic Payment Central Mortgage Company Homeward Residential, Inc. Hours of Operation Correspondence 800-366-2132 Customer Service Address same as above 1-800-366-2132 Monday - Friday (CST) 8:00 AM 8:00 PM Saturday (CST) 8:00 AM 2 PM 800-746-2936 Ocwen Loan Monday Friday (EST) 8:00 AM to 9:00 PM Servicing, LLC Attn: Customer Care Center Drafting ACH Forms are located in the coupon books sent to borrowers. cmcservicing@centralm ortgageonline.com Contact Customer Service or enroll online at: ocwencustomers.com Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-6

Nationstar Mortgage LLC Saturday (EST) 8:00 AM to 5:00 PM P. O. Box 24738 West Palm Beach, FL 33416-4738 Sunday (EST) 9:00 AM to 9:00 PM 855-430-8490 Nationstar Mortgage LLC Monday Thursday (CT) Attn: Customer 8:00 AM-8:00 PM Service Department Friday (CT) 8950 Cypress Waters 8:00 AM-6:00 PM Boulevard, Saturday (CT) Coppell, TX 75019 8:00 AM-2:00 PM Visit us online at www.mynationstarmtg. com or contact the Customer Service Department to request. PNC 800-822-5626 Monday- Thursday 8:00a.m. -9:00 p.m. and Friday 8:00 a.m. -5:00 p.m. US Bank Home Mortgage PNC Mortgage Attn: Customer Service Department B6-YM07-01-7, PO Box 1820 Dayton, OH 45401-1820 800-475-0782 U.S. Bank Home Monday - Friday 8:00 AM to 5:00 PM CST Mortgage Attn: Customer Service 3751 Airpark Drive, Owensboro, KY 42301 www.pnc.com/homehq Contact Customer Service Center to request necessary forms. Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-7

Optional Information for the Good-Bye Letter The table below contains optional information to include in Good-bye letter: Servicer s Website Address Servicer Name URL Central Mortgage centralmortgageonline.com Company Homeward ocwencustomers.com Residential, Inc. Nationstar MyNationstarMTG.com Mortgage LLC PNC http://www.pnc.com/homehq US Bank Home usbankhomemortgage.com Mortgage Will the borrower receive monthly billing statements or a coupon booklet? Servicer Name Coupon Booklet/Monthly Statements Central Mortgage Coupon Booklet Company Homeward Monthly Statements Residential, Inc. Nationstar Monthly Statements Mortgage LLC PNC Fixed Rate Coupon; ARM Billing Statement US Bank Home Monthly statements Mortgage If the first payment mailing address is different from subsequent payments, when will the borrower receive the new mailing address information? Servicer Name Mailing Address Central Mortgage N/A Company Homeward N/A Residential, Inc. Nationstar N/A Mortgage LLC PNC With first monthly statement/coupon book and welcome letter US Bank Home With the first monthly statement/coupon book Mortgage Contact information for Questions on Escrows or Erroneous Billing Servicer Name Contact Central Mortgage Customer Service Company 1-800-366-2132 cmcservicing@centralmortgageonline.com Homeward Customer Service Residential, Inc. 1-800-746-2936 Nationstar Customer Service Mortgage LLC 1-855-430-8490 PNC Customer Service US Bank Home Mortgage 800-822-5626 Customer Service 1-800-475-0782 Servicing Transfer Instructions User Guide August 2015 Chapter 5: Notification to Interested Parties and Good-bye Letters 5-8

Chapter Assignments 6 Instructions for the Assignment Each servicing delivery file must contain a copy of the assignment sent for recording. Failure to provide evidence of an assignment sent for recording (in the Servicer s name) may result in late fees due the Servicer and Freddie Mac. After the assignment is recorded, the Seller must forward the original, recorded assignment together with the selling system Final Document Checklist to the Servicer s Final Recorded Documents Division. Refer to the table below for Servicer specific assignment preparation information. Servicer Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Servicer s Name as it Must Appear on the Assignment Do not use abbreviations other than permitted by the Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC Mortgage, a division of PNC Bank, NA U.S. Bank National Association Servicer s State of Incorporation Name of State Arkansas Delaware New Jersey Delaware United Sates of America Servicing Transfer Instructions User Guide July 2015

County of Incorporation Servicer Name County Name Central Mortgage Pulaski Company Homeward New Castle Residential, Inc. Nationstar N/A Mortgage LLC PNC N/A US Bank Home N/A Mortgage Servicing Address Servicer Name Address Central Mortgage 801 John Barrow Road, Suite 1,Little Rock, AR 72205 Company Homeward 1525 South Belt Line Road, Coppel, TX 75019 Residential, Inc. Nationstar 8950 Cypress Waters Boulevard, Coppell, TX 75019 Mortgage LLC PNC 3232 Newmark Drive, Miamisburg, OH 45342 US Bank Home 3751 Airpark Drive, Owensboro, KY 42301 Mortgage Optional Address to be Included in Assignment Endorsement Servicer Name Address Central Mortgage Use Servicing Address Company Homeward Use Servicing Address Residential, Inc. Nationstar Use Servicing Address Mortgage LLC PNC Use Servicing Address US Bank Home Mortgage Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Use Servicing Address Questions on Assignment Endorsements Name and Contact Information Kasey L. Emmerling 501-716-4897 kemmerling@arvest.com and finaldocuments@centralmortgageonline.com Joanne Wight 215-695-3605 Joanne.wight@gohomeward.com assignment.inquiry@nationstarmail.com Joni Mays Joni.Mays@pncmortgage.com 937-910-1806 Debra Wiese 414-259-3807 Servicing Transfer Instructions User Guide July 2015 Chapter 6: Assignments 6-1

Chapter MERS Mortgages 7 MERS Registered Mortgages MERS registered mortgages, and mortgages originated with MERS as the original Mortgagee of Record, are accepted by the following Servicers. Information for MERS Registered Mortgages or MERS Mortgages Member Org ID Servicer Name Central Mortgage Company 1002026 Homeward Residential, Inc. 1006689 Nationstar Mortgage LLC 1003972 PNC 1000225 US Bank Home Mortgage 1000212 Central Mortgage Company Subservicer Member Org ID N/A Homeward Residential, Inc. 1000223 Nationstar Mortgage LLC PNC US Bank Home Mortgage Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage N/A N/A N/A Primary Contact Information Contact Information MERS@centralmortgageonline.com 501-716-5698 Debra.bergman@ocwen1.com 319-236-5329 MERS questions/inquiries send to: mersresearch@nationstarmail.com Michael Lewandowski 937-910-1865 1000225PNCMORTGAGE@PNCMORTGAGE.COM Anthony Wright 270-686-5494 Servicing Transfer Instructions User Guide July 2015

Chapter 8 IRS Form 1098 Reporting Requirements Requirements for completing IRS Form 1098 The IRS Form 1098, Mortgage Interest Statement, is an Internal Revenue Service (IRS) form that details the amount of interest and mortgage-related expenses paid on a mortgage during the tax year. The Seller and the Servicer must comply with all IRS Form 1098 reporting requirements. Example of IRS Form 1098: Instructions relating to IRS Form 1098 are the General Instructions for Certain Information Returns and the applicable Instructions for Form 1098. Both can be found at www.irs.gov/form1098, or call 1-800-TAX-FORM (1-800-829-3676). Servicing Transfer Instructions User Guide July 2015 Chapter 8: Form 1098 Reporting Requirements 8-1

Chapter 9 Resolve Settlement/Funding Errors How to Resolve Settlement/Funding Errors Errors in the amount disbursed to the Seller or funding adjustments wired to the Servicer occur due to erroneous data entered in the selling system. Data delivered in the selling system affecting amounts due the Seller or the Servicer can be reconciled post funding between the Seller and the Servicer for: Other Funds Collected at Closing Amount (formerly known as Escrow Deposit) Unpaid Principal Balance discrepancies Any reconciliation, correction or adjustment to the Other Funds Collected at Closing Amounts transferred to the Servicer is the responsibility of the Seller and the Servicer. The Seller and Servicer must adjust and reconcile these amounts after the Freddie Mac Funding Date. Freddie Mac will not adjust, calculate, refund or pay any amounts with respect to the Other Funds Collected at Closing Amounts after the funding date. For each loan for which Servicer informs the Seller of the need to adjust and reconcile the funding adjustments, the Seller must research the discrepancy and transfer to the Servicer by wire, any additional funds required within three (3) business day s notification by the Servicer. If the Seller fails to transfer any and all funds due the Servicer within three (3) business days notice from the Servicer, then the Servicer may in its sole discretion, charge the Seller a late fee of up to $500. Other Funds Collected at Closing Amount (formerly known as Escrow Deposit) For incorrect amounts entered in the selling system under the section titled Other Funds Collected at Closing Details, the reconciliation is conducted between the Seller and the Servicer. Refer to the table below for instructions on how to resolve these error(s): How to resolve settlement/funding errors for: Other Funds Collected at Closing Amount If Then A refund is due the Seller The Seller must provide the Servicer with Documentation to support a request for refund Seller s wire Instructions A fully executed Payment/Refund Transmittal Form (located in Chapter 14 of this user guide) A refund is due the Servicer The Seller must: Wire the amount due to the Servicer Fax a fully executed Payment/Refund Transmittal to the Servicer Servicing Released Transfer Instructions for the SRSP User Guide July 2015

Loan Acquisition Scheduled UPB Amount (formerly known as the Unpaid Principal Balance) When the Loan Acquisition Scheduled UPB Amount is delivered incorrectly, the Seller must immediately report the error to the Servicer. Errors in delivering an incorrect Loan Acquisition Scheduled UPB may result in: A credit due the Seller for the UPB and SRP A credit due the Servicer for the UPB and SRP Repurchase of the mortgage by the Seller Contact the Servicer directly to report the error using the contact information shown below. Report Loan Acquisition Scheduled UPB Errors Name of Servicer Contact Information Central Mortgage Company acquisitions@centralmortgageonline.com Loretta Hogue: 501-716-5635 lhogue@arvest.com Homeward Residential, Inc. Nationstar Mortgage LLC Recon_Team@ocwen1.com Use mailbox for all inquiries: FlowServicingAcquisitions@nationstarmail.com PNC US Bank Home Mortgage Melissa Sims: 501-217-6061 melissa.sims@pncmortgage.com Jessica Green: 270-686-5387 Servicing Transfer Instructions User Guide July 2015 Chapter 9: Resolve Settlement/Funding Errors 9-2

The Servicer will coordinate the resolution with Freddie Mac and will notify the Seller on the course of action to be taken. A resolution resulting in a system change (sometimes known as a master file change) will be subject to a compensatory fee from the Seller, as noted in Guide Section 78.51. A resolution resulting in a repurchase will be subject to fees and other requirements as noted in Guide Exhibit 28A and Chapter 72 and Section 78.20. The illustration below depicts the section of the selling system s loan screen that contains the data point for the Loan Acquisition Scheduled UPB Amount and the Last Paid Installment Due Date (also referred to as the DDLPI). Note: The selling system calculates the scheduled UPB (a feature available in the loan pipeline) however; this feature does not advance the DDLPI date in accordance with the Servicing Released Transfer requirements. If you use this tool, you must return to the Create/Modify loan screen and edit the Last Paid Installment Due Date. Note: For more information on funding adjustments and reconciliation of funding adjustments, refer to Sections 1, 4 and 3.2 of Guide Exhibit 28Aand Guide Section 9.9 (c). Payments and Refunds This section provides information and instructions on how to forwards funds due the Servicer and how to request refunds due the Seller. Forward or Request Funds The post settlement reconciliation of funds due the Seller or the Servicer is conducted between the Seller and the Servicer. If funds are due either party, it is the Seller s responsibility to complete the Payment/Refund Transmittal Form and forward it to the Servicer. Furthermore, for each loan for which the Servicer informs Seller of the need to adjust and reconcile the Funding Adjustments, the Seller must research the discrepancy and transfer to the Servicer by wire transfer any additional funds required. Freddie Mac will not adjust, calculate, refund or pay any amounts with respect to the Escrow deposits or temporary subsidy buydown funds after the Funding Date. Servicing Transfer Instructions User Guide July 2015 Chapter 9: Resolve Settlement/Funding Errors 9-3

Payments Due the Servicer or Refunds Due the Seller Payments due the Servicer include: Principal& Interest (P&I) Payments sent by the borrower to the Seller after the Freddie Mac funding date. Within one (1) Business Day of receipt, Seller must transfer and forward to the Servicer via wire transfer or overnight delivery service all funds received from mortgagors after the funding date (Sale Date). Refer to Section 1.11 of Guide Exhibit 28A for a definition of the Sale Date. Shortage of escrow collections. Escrow shortages are due the Servicer regardless of whether the amount was collected from the borrower. Shortage of temporary buydown subsidy. Temporary buydown subsidies are due the Servicer regardless of whether the amount was collected from the borrower. Unpaid principal balance errors Refunds due the Seller include: Over payment of escrow amounts Over payment of temporary buydown subsidy Unpaid principal balance errors If the Seller fails to transfer any and all funds required pursuant to Guide Exhibit 28A, the Loan Servicing Purchase and Sale Agreement within three (3) Business Days notice from Servicer, then the Servicer may, in its sole discretion, charge Seller a late fee of up to $500. All funds the Seller receives from the borrower after the Freddie Mac funding date must be transferred to the Servicer within one (1) Business Day of receipt via wire transfer or overnight delivery service. Use the Payment/Refund Transmittal Form to forward funds to or to request funds from the Servicer. The Payment/Refund Transmittal form is located in Chapter 14 of this user guide. Refer to Guide Section 9.9, Exhibit 28A and Chapter 1 of this user guide for additional guidance regarding the reconciliation of funds between the Seller and the Servicer. Servicer Contacts for Reconciliations The table below contains Servicer contact information for post settlement reconciliation of funds due the Seller or the Servicer. Servicer Contact Information for Payments and Refunds (Post Settlement Reconciliations) Escrow Issues Servicer Name Contact Information Central Mortgage acquisitions@centralmortgageonline.com Company Loretta Hogue: 501-716-5635, 800-366-2132 or lhogue@arvest.com Homeward Recon_team@ocwen1.com Residential, Inc. Nationstar Payment.Research@NationstarMail.com Mortgage LLC PNC FlowServicing@pncmortgage.com US Bank Home Rhianne Wonick or Kim Kubousek: 262-373-4608 or 262-373-4709 Servicing Transfer Instructions User Guide July 2015 Chapter 9: Resolve Settlement/Funding Errors 9-4

Servicer Contact Information for Payments and Refunds (Post Settlement Reconciliations) Escrow Issues Servicer Name Contact Information Mortgage Fax Number: 262-373-4787 All Other Issues Servicer Name Contact Information Central Mortgage acquisitions@centralmortgageonline.com Company Loretta Hogue: 501-716-5635, 800-366-2132 or lhogue@arvest.com Homeward Recon_team@ocwen1.com Residential, Inc. Nationstar Forward Transmittal to: Payment.Research@NationstarMail.com Mortgage LLC PNC US Bank Home Mortgage Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Melissa Sims 501-217-6061; melissa.sims@pncmortgage.com Jessica Green: 270-686-5387 Fax Number: 270-686-5566 Wire Information Wire Instructions Bank Name: ARVEST Bank City & State: Little Rock, AR ABA#: 082900872 Beneficiary Name: CMC Flow Beneficiary Account #: 1012304 Other: N/A Bank Name:Wells Fargo Bank, N.A. City & State: San Francisco, CA ABA #: 121000248 Beneficiary Name: Ocwen Loan Servicing ITF Various Investors and Mortgagors Beneficiary Account #: 4122143159 Other: Attn: Cashiering Department Reference: Loan #/Borrower Name/Property Address NOTE: All wires require loan level detail in excel format and must be sent to: STM-wiredetail@ocwen.com Bank Name: Wells Fargo Bank City & State: San Francisco, CA ABA#: 121000248 Beneficiary Name: Nationstar Mortgage LLC Beneficiary Account #: 4121967343, For Credit to Payment Clearing Account Other: Wire Detail Spreadsheets should be sent to cash.wires@nationstarmail.com Contact: Marina Reyes AVP Account Services: 469-549-2014 Bank Name: PNC Bank City & State: Pittsburgh, PA ABA#: 041000124 Beneficiary Name: PNC Mortgage Beneficiary Account #:4600097238 Attn: FHLMC Gold Settlement Bank Name: US Bank MKE City & State: Milwaukee, WI ABA#: 075000022 Beneficiary Name: US Bank Home Mortgage Beneficiary Account #: 192080158 Attn: Kim Kubousek 262-373-4709 Servicing Transfer Instructions User Guide July 2015 Chapter 9: Resolve Settlement/Funding Errors 9-5

Late Fees 10 Late or Incorrect Delivery to the Servicer The Seller must comply with all documentation delivery requirements outlined in the Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process (Exhibit 28A of the Guide). Failure to do so may result in: Suspension or termination from the selling system. Untimely set-up of the loan record. The Servicer could potentially claim nonownership of the servicing of the loan for lack of a proper and accurate transfer. The Seller may incur late fees assessed by the Servicer of up to $500 per late and/or incorrect loan file delivery and wire reconciliation. The Seller may incur fees assessed by Freddie Mac of up to $500 per late and/or incorrect loan file and wire reconciliation. Refer to Section 4.2 of Guide Exhibit 28A. Servicing Transfer Instructions User Guide May 2013 Chapter 10: Late Fees 10-1

Chapter Final Documents 1 1 How to Forward Final Documents Final documents for each loan record are due the Servicer immediately upon completion of recording or finalization but not later than six (6) months (180 days) of the Freddie Mac funding date. The Final Document Checklist is loan specific. Final documents must be attached to a fully executed Final Document Checklist. Do not attach or commingle final documents for other loans using a single Final Document Checklist. Final documents consist of but are not limited to the following: Title Policy and/or endorsements Recorded Mortgage Deed of Trust (Security Instrument) Recorded Assignment from the Seller to the Servicer Intervening Assignments if the mortgage was not originated by the Seller Recorded Power of Attorney or copy of Power of Attorney with original recording receipt Other The Servicer is entitled to charge the Seller a fee (Late Document Fee) equal to $100 per loan per month for any loan that is missing an original final document that has not been delivered to the Servicer or the Designated Custodian, as applicable, within six (6) months of the funding date. The fee will begin to accrue on the first day of the seventh (7th month after the Funding Date. For more information on late fees, refer to Section 6.3 of Guide Exhibit 28A, Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process. Servicing Transfer Instructions User Guide July 2015

The table below contains the Servicer s instructions for forwarding final documents. Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Servicer Name Central Mortgage Company Homeward Residential, Inc. Nationstar Mortgage LLC PNC US Bank Home Mortgage Instructions for Forwarding Final Documents Where to Forward Final Documents Address Central Mortgage Company, Attn: Final Docs 801 John Barrow Road, Suite 1, Little Rock, AR 72205 Indecomm Global Services FD HRM 9000 1260 Energy Lane St. Paul, MN 55108 Nationstar Mortgage LLC Attn: Doc Admin 8950 Cypress Waters Boulevard, Coppell, TX 75019 PNC Mortgage a Division of PNC Bank, NA Attn: Final Docs 3232 Newmark Dr., MS B6-YM13-01-1 Miamisburg, OH 45342 U.S. Bank National Association Attn: Kim Kintop 809 S. 60th Street, Suite 210, West Allis, WI 53214 For Assistance with Final Documents Contact Information Kasey L. Emmerling kemmerling@arvest.com and finaldocuments@centralmortgageonline.com Phone: 501-716-4897, Fax: 501-716-5788 Final Docs Department Phone: 651-766-2364 OcwenHRM_ViewPoint@Indecomm.net Final.Docs@nationstarmail.com Joni Mays Final Docs 937-910-1806 finaldocs@pncmortgage.com Kim Kintop, 414-259-3814 Kim.Kintop@usbank.com All final documents must be attached to a fully executed Final Document Checklist. The Final Document Checklist is located in Chapter 14 of this user guide. Servicing Transfer Instructions User Guide July 2015 Chapter 11: Final Documents Page 11-2

Chapter 12 Repayment of the Servicing Released Premium Repayment of the Servicing Released Premium (SRP) to the Servicer The Servicer is due reimbursement of the servicing released premium if: The mortgage payoff occurs within 120 days of the Freddie Mac Funding Date Freddie Mac requires a repurchase within 60 months of the Freddie Mac Funding Date Payoffs Servicing Released Mortgages paid in full within 120 days of the Freddie Mac Funding Date are subject to 100 percent SRP recovery by the Servicer. Sellers must return/repay the full SRP to the Servicer. Servicers will bill the Sellers directly for the SRP to be repaid. Repurchases If the Seller is required by Freddie Mac to repurchase a loan, the repurchase request will be sent directly to the Seller and a copy to the Servicer. Upon receipt of the repurchase request, the Seller must contact the Servicer s designated business area to make arrangements for repurchase. The amounts due for a repurchase (including all or a portion, as applicable, of the Servicing Released Premium) must be sent to the Servicer which then reports the repurchase and remits the proceeds to Freddie Mac in accordance with the requirements in Guide Section 78.20 (see the table below for Servicing Released Premium repayment schedule for repurchases). Once Freddie Mac has received the repurchase amount due from the Servicer, the Note will be released and returned to the Servicer. Upon receipt of the original Note from the Designated Custodian, the Servicer will process the necessary Mortgage transfer documentation and return the original file along with its contents directly to the Seller. The Servicer may charge Seller a $200 repurchase fee for each loan that Seller is required to repurchase. Seller shall remit payment of such repurchase fees directly to Servicer. Servicing Transfer Instructions User Guide July 2015

SRP Repayment Schedule The table below contains the SRP Repayment Schedule as noted in Exhibit A to the Guide Exhibit 28A, Loan Servicing Purchase and Sale Agreement for the Servicing Released Sales Process (SRSP). SRP Repayment Schedule Time from date of purchase of Servicing Rights Percent of SRP to be Repaid Up to 12 months 100% 13 to 24 months 75% 25 to 36 months 50% 37 to 60 months 25% Greater than 60 months 0% Servicer Contact for SRP Reimbursement The table below contains Servicer contact information relating to the reimbursement of the SRP. Contact Information for Reimbursement of SRP, Repurchase Amounts and Post-Repurchase Release of File and Funds Servicer Name Contact Information Central Mortgage Company tcox@arvest.com Toni Cox: 501-716-4645 Homeward Residential, Inc. CSR-Repurchase@ocwen.com Kim Covington: 469-645-3080 Nationstar Mortgage LLC Repurchase Team repurchases@nationstarmail.com PNC Tarien Williamson tarien.williamson@pncmortgage.com Tracy Schurr tracy.schurr@pncmortgage.com Amanda Winburn amanda.winburn@pncmortgage.com U.S. Bank Home Mortgage Debra Wiese: 414-259-3807 Servicing Transfer Instructions User Guide July 2015 Chapter 12: Repayment of the Servicing Released Premium 12-2

Chapter Servicer Contact Information 13 Servicer Call Trees for Sellers and for Borrowers The Servicer call trees contain important points of contact for each Servicer. This chapter contains separate call trees the Servicers have created for Seller and for borrower use. Be sure to refer to the appropriate call tree when contacting the Servicer. Central Mortgage Company Seller Call Tree Central Mortgage Company, Servicer ID 120787 Seller Use Only Department Contact Name Phone Number New Loan Set-Up Loretta Hogue 501-716-5635 Escrow set up (Taxes, Hazard, Mortgage Insurance, Flood Insurance) Vicki L. McClendon 501-716-5631 vmcclendon@arvest.com Document Control (Outstanding and missing documentation) Kasey L. Emmerling 501-716-4897 kemmerling@arvest.com Accounting Loretta Hogue 501-716-5635 Final Documents Kasey L. Emmerling 501-716-4897 kemmerling@arvest.com Incorrect Unpaid Principal Balance Loretta Hogue 501-716-5635 Repurchase Questions Misty Abbott 501-716-6011 mabbott@arvest.com Central Mortgage Company Borrower Call Tree Central Mortgage Company Borrower Use Only Department Name Phone Number Customer Service 1-800-366-2132 Escrow payment issues/escrow Analysis 1-800-366-2132 Billing Questions (Late payments, Incorrect billing address, 1-800-366-2132 Erroneous charges) Removal of Mortgage Insurance 1-800-366-2132 Removal of Escrows/Monthly impounds for Taxes and Insurance 1-800-366-2132 Foreclosure 1-800-366-2132 Mortgage Life Insurance 1-800-366-2132 Automatic Payment Drafting 1-800-366-2132 Payoff Department 1-800-366-2132 Servicing Transfer Instructions User Guide August 2015 Chapter 13: Servicer Contact Information 13-1

Homeward Residential, Inc., Seller Call Tree Homeward Residential, Inc., Servicer ID 159435 Seller Use Only Department Contact Name Phone Number New Loan Set-Up LSU_shared@ocwen1.com Email only Escrow set up (Taxes, Hazard, LSU_shared@ocwen1.com Email only Mortgage Insurance, Flood Insurance) Document Control (Outstanding and missing documentation) Tracy Hillsgrove 561-682-7824 Accounting Final Documents Incorrect Unpaid Principal Balance Recon_team@ocwen1.com Final Docs Department OcwenHRM_ViewPoint@Indecom m.net Recon_team@ocwen1.com 651-415-9379 Email only Repurchase Questions Kim Covington CSR-Repurchase@ocwen.com 469-645-3080 General Questions Brittany O Connell brittany.o connell@ocwen.com 770-612-7003 Extension: 257003 Homeward Residential, Inc., Borrower Call Tree Homeward Residential, Inc. Borrower Use Only Department Phone Number Customer Service 1-800-746-2936 Escrow payment issues/escrow Analysis 1-800-746-2936 Billing Questions (Late payments, Incorrect billing address, Erroneous 1-800-746-2936 charges) Removal of Mortgage Insurance 1-800-746-2936 Removal of Escrows/Monthly impounds for Taxes and Insurance 1-800-746-2936 Foreclosure 1-800-746-2936 Mortgage Life Insurance 1-800-746-2936 Automatic Payment Drafting 1-800-746-2936 Payoff Department 1-800-746-2936 Servicing Transfer Instructions User Guide August 2015 Chapter 13: Servicer Contact Information 13-2

Nationstar Mortgage LLC Seller Call Tree Nationstar Mortgage LLC, Servicer ID 157360 Seller Use Only Department Contact Name Phone Number Customer Service Customer Service CustomerServiceFlow@Nati onstarmail.com New Loan Set-Up Escrow set up (Taxes, Hazard, Mortgage Insurance, Flood Insurance) Document Control (Outstanding and missing documentation) Accounting Flow Acquisitions Department Flow Acquisitions Department FlowServicingAcquisitions@ nationstarmail.com Note: use mailbox for all inquiries. FlowServicingAcquisitions@ nationstarmail.com Doc Administration Department Final.Docs@NationstarMail. com Flow Acquisitions FlowServicingAcquisitions@ Department nationstarmail.com Final Documents Doc Administration Final.Docs@NationstarMail. Department com Incorrect Unpaid Principal Balance Flow Acquisitions FlowServicingAcquisitions@ Department nationstarmail.com Repurchase Repurchase Team repurchases@nationstarmail.com Nationstar Mortgage LLC Borrower Call Tree Nationstar Mortgage LLC Borrower Use Only Department Phone Number Customer Service Customer Service 1-855-430-8490 Escrow payment issues/escrow Analysis Customer Service 1-855-430-8490 Billing Questions (Late payments, Incorrect Customer Service 1-855-430-8490 billing address, Erroneous charges) Removal of Mortgage Insurance Customer Service 1-855-430-8490 Removal of Escrows/Monthly impounds for Customer Service 1-855-430-8490 Taxes and Insurance Foreclosure N/A Mortgage Life Insurance Customer Service 1-855-430-8490 Automatic Payment Drafting Customer Service 1-855-430-8490 Payoff Department Customer Service 1-855-430-8490 Servicing Transfer Instructions User Guide August 2015 Chapter 13: Servicer Contact Information 13-3

PNC Seller Call Tree PNC Seller Use Only Department Contact Name Phone Number New Loan Set-Up Nick Nueslein 937-910-2072 Escrow set up (Taxes, Hazard, Mortgage Nick Nueslein 937-910-2072 Insurance, Flood Insurance) Document Control (Outstanding and missing Melissa Sims 501-217-6061 documentation) Accounting Jim Fanning 937-910-3483 Final Documents Joni Mays 937-910-1806 Incorrect Unpaid Principal Balance Tim Remington 501-217-6093 Repurchase Questions Linda Newton 937-910-4119 PNC Borrower Call Tree PNC Borrower Use Only Department Name Escrow payment issues/escrow Analysis Billing Questions (Late payments, Incorrect billing address, Erroneous charges) Removal of Mortgage Insurance Removal of Escrows/Monthly impounds for Taxes and Insurance Foreclosure Mortgage Life Insurance Automatic Payment Drafting Payoff Department Phone Number Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 Customer Service 1-800-822-5626 U.S. Bank Home Mortgage Seller Call Tree U.S. Bank Home Mortgage, Servicer ID 589603 Seller Use Only Department Contact Name Phone Number New Loan Set-Up Jessica Green jessica.green@usbank 270-686-5387 Escrow set up (Taxes, Hazard, Mortgage Insurance, Flood Insurance).com Jessica Green jessica.green@usbank.com 270-686-5387 Document Control (Outstanding and missing documentation) Jessica Green jessica.green@usbank.com 270-686-5387 Accounting Rhianne Wonick 262-373-4608 Kim Kubousek 262-373-4709 Servicing Transfer Instructions User Guide August 2015 Chapter 13: Servicer Contact Information 13-4

Final Documents Kim Kintop 414-259-3814 Incorrect Unpaid Principal Balance Jessica Green 270-686-5387 jessica.green@usbank.com Repurchase Questions Debra Wiese 414-259-3807 U.S. Bank Home Mortgage Borrower Call Tree U.S. Bank Home Mortgage Borrower Use Only Department Name Phone Number New Loan Acquisitions Customer Service 1-800-475-0782 Escrow payment issues/escrow Analysis 1-800-365-7772 Billing Questions (Late payments, Incorrect billing address, 1-800-475-0782 Erroneous charges) Removal of Mortgage Insurance 1-800-475-0782 Removal of Escrows/Monthly impounds for Taxes and Insurance 1-800-475-0782 Foreclosure Will be provided as applicable Mortgage Life Insurance Customer Service Automatic Payment Drafting 1-800-475-0782 Payoff Department 1-800-365-7772 Servicing Transfer Instructions User Guide August 2015 Chapter 13: Servicer Contact Information 13-5

Chapter Checklists and Forms 14 The checklists and forms referenced in this chapter will assist you in meeting the Servicer s packaging and delivery requirements for the Servicing Released Sales Process. Sellers may duplicate the applicable checklists and forms as needed: Name Referred to in Document Checklist Chapter 3: Package and Deliver Documents Chapter 4: Outstanding Documents Final Document Checklist Chapter 11: Final Documents Borrower Mailing and Billing Address Chapter 1: Introduction Certification Form Payment/Refund Transmittal Form Chapter 9: Resolve Settlement/Funding Errors Servicing Transfer Instructions User Guide May 2014 Chapter 14: Checklists and Forms Page 14-1

Borrower Name: Seller Name Selling System Document Checklist Property Address: Freddie Mac Seller Number Contact Name Contact Email address Phone Number Fax Number Freddie Mac Investor Contract Identifier # Freddie Mac Loan # Seller Loan Identifier # Freddie Mac Settlement Date Lot Block Subdivision Borrower Closing Date Servicer Loan # (if available) Critical Document Name (Documents That Are Not Originals Must Be Certified True Copy) X=Attached or N/A Yes Fully Executed Freddie Mac Selling System Document Checklist Yes Freddie Mac Selling System Funding Details Report (Final) Yes Flood Certification Evidencing Life of Loan Coverage, Flood Zone and Proof of Transfer Yes Tax Information Sheet (Contains Tax ID#S, Tax Authorities Name & Address, Date Last Paid, Next Due Date). If New Jersey Property, include Tax Certificate Yes Signed Final HUD-I Settlement Statement AND Addendum for Refinanced mortgages Yes Escrow Disclosure Statement /Escrow Instructions/Signed Escrow Waiver Notification evidencing items to be waived Yes IRS W-9 Evidencing All Borrower Social Security Numbers Yes Copy of Note, Riders and Note Modification Yes NY Property all documentation required for NY CEMA Yes Copy of Mortgage (Deed of Trust), Applicable Riders And Legal Description Yes Manufactured Housing Real Property Certificate Documents (or assigned COT with proper UCCs) Yes Copy of Assignment to Servicer or verification of MERS Successful Transfer of Servicer Yes PMI Certificate and Endorsements, if applicable Yes Form 1008/1077 Uniform Underwriting and Transmittal Summary Yes Final Loan Application(s) Signed By All Borrowers (FHLMC 1003) Yes Complete appraisal documentation as per underwriting/approval guidelines Yes Mailing Address Certification (If Borrower s billing address is different from the property address) Yes Legal Description (Copy) Yes Ground Rents/Lease Agreement Yes Signed Homeowners Authorization Letter (NJ, NY & IL Only) Yes Homeowner Option Letter (WI & MD Only) Yes Hazard Insurance Policy and/or Other Insurance Policies (Including Certificate of Insurance) and Endorsement Change Letter Yes PMI Disclosure for Conventional Loans with MI/PMI Yes Copy of Buydown Agreement Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes First Payment Letter Borrower Payment History (required for seasoned loans, loans with interest credit or where UPB was amortized down) payment history must reflect P&I Payment Amounts and Due Dates and escrow amounts applied) Rural Housing Loans, Loan Note Guarantee Title Policy Commitment Borrower s Goodbye Letter All Applicable Loan Sale Notification Letters (Hazard, Flood, PMI, Tax, Etc.) Credit Report And Evidence of Borrower Credit Score Signed Final Truth In Lending Power of Attorney Executed USA Patriot Act Notice to Applicants Name Affidavit Final LP Underwriting Findings Along with LP Key & Transaction Number Final Underwriting Approval If Non LP Loan All Conditions of Loan Approval (whether LP or manually underwritten) Signed Right of Rescission Notification Loan Disclosure Statements Signed By Borrower At Time of Application All Remaining Credit Documents: VOE, Pay stubs, W-2 Statements, Tax Returns, VOD, Bank Statements, Divorce Decree, Lease Agreements, Etc. Chapter 14: Checklists and Forms Page 14-2

Date Forwarded To Servicer Selling System Final Document Checklist Freddie Mac Seller Number Borrower s Last Name Property Address Freddie Mac Investor Contract Identifier Freddie Mac Loan Number Seller Name Contact Name Contact Fax Number Servicer Loan Number (if available) Contact Phone Number Seller Loan Identifier (Loan Number) Contact Email Address: Note: All documents attached hereto, must be original final documents DOCUMENT NAME Title Policy X = ATTACHED Endorsements to Title Policy Recorded Mortgage Deed of Trust Recorded Assignment (Seller to Servicer) Intervening Recorded Assignments (Trail of assignments if loan was not originated by Seller) Other: (Seller to complete document name) Other: (Seller to complete document name) This section to be completed by the Servicer Servicer s Required Signoff Servicer Signoff Date Exhibit 28A, 6.3: Servicer shall be entitled to charge Seller a fee ("Late Document Fee") equal to $100.00 per Loan per month on those Loans for which all original final documents specified in the Final Documents section of the Servicing Transfer Instructions have not been delivered to Servicer or the Designated Custodian within six (6) months of the Sale Date. Such Late Document Fee shall begin to accrue on the first day of the seventh (7th) month after the Sale Date. Notwithstanding the foregoing, Servicer shall not impose a Late Document Fee if Seller's failure to deliver an original Loan document is caused by the failure of the applicable recording office to record and return an original Loan document, provided Seller, in Servicer's reasonable judgment, has exercised and continues to exercise reasonable good faith effort to fulfill its obligation hereunder. Chapter 14: Checklists and Forms Page 14-3

Complete this form only if the borrower s billing address is different from the subject property address. Selling System Borrower Mailing and Billing Address Certification Form Seller Loan Identifier (Seller Loan Number) Freddie Mac Loan Number Freddie Mac Investor Contract Identifier Borrower Name Occupancy Type (Owner Occupied, Second Home, Investment, etc.) Subject Property Address Borrower s name to appear on Billing Statement/Coupon Booklets Borrower Billing address Borrower Billing Phone Number Date Forwarded To Servicer Borrower s Last Name Property Address Freddie Mac Seller Number Freddie Mac Investor Contract Identifier Freddie Mac Loan Number Seller Name Contact Name Servicer Loan Number (if known) Contact Phone Number Contact Email Address: Contact Fax Number Seller Loan Identifier (Loan Number) This section to be completed by the Servicer Servicer s Required Signoff Servicer Signoff Date Chapter 14: Checklists and Forms Page 14-4

Selling System Payment/Refund Transmittal Form Seller Information Seller Name Freddie Mac Seller Number Contact Name Contact Phone Number Seller Contact Email Address Mortgage Loan Information Seller Loan Identifier (Seller Loan Number) Freddie Mac Loan Number Freddie Mac Investor Contract Identifier Borrower Name Property Address Servicer Loan Number (if available) Payment Information Payment Type Payment Amount Date Payment To Be Applied PITI $ Month Day Year ESCROW: (Circle type below) $ Month Day Year Escrow payment/shortage/reserves or cushion Type of escrow: Taxes, MI, Hazard, Flood or Other: PRINCIPAL $ Month Day Year CURTAILMENT/REDUCTION OTHER: DESCRIBE $ Month Day Year Forward Check Forward endorsed check to Servicer along Attention: with this Transmittal to the attention of Servicer address Servicer Contact Phone Number Chapter 14: Checklists and Forms Page 14-5