EXHIBIT A
GLOSSARY OF DEFINED TERMS
Ability to Repay Rule: 12 C.F.R. Section 1026.43(c), including all applicable official staff commentary.
Acceptable Title Insurance Company: A nationally recognized title insurance company that is acceptable to the Agencies
and has not been disapproved by Buyer in a writing provided to Seller.
Accepted Servicing Practices: With respect
to any Related Mortgage Loan, those mortgage servicing practices of prudent mortgage lending institutions which service mortgage loans of the same type as such Related Mortgage Loan in the jurisdiction where the related Mortgaged Property is
located.
Account Bank: (a) U.S. Bank National Association, in its capacity as depository bank with respect to the
Custodial Account or (b) such other party upon whom Buyer and Seller may mutually agree.
Acquisition: Any
transaction or any series of related transactions (in each case unless solely among the Parent Guarantor and/or one or more of its Subsidiaries) consummated on or after the date of the Parent Guaranty Agreement, by which the Parent Guarantor or any
of its Subsidiaries (i) acquires all or substantially all of the assets of any firm, corporation or limited liability company, or of any business or division thereof, whether through purchase of assets, merger or otherwise or (ii) acquires
at least a majority (in number of votes) of the securities of a corporation which have ordinary voting power for the election of directors (other than securities having such power only by reason of the happening of a contingency) or a majority (by
percentage or voting power) of the outstanding ownership interests of a partnership or limited liability company.
Affiliate: With respect to any specified entity, any other entity controlling or controlled by or under common control
with such specified entity. For the purposes of this definition, control when used with respect to a specified entity means the power to direct the management and policies of such entity, directly or indirectly, whether through the
ownership of voting securities, by contract or otherwise, and the terms controlling and controlled having meanings correlative to the foregoing.
Agency: Fannie Mae, Freddie Mac or Ginnie Mae, as applicable.
Agency Audit: Any Agency, HUD, FHA, VA and RD audits, examinations, evaluations, monitoring reviews and reports of its
origination and servicing operations (including those prepared on a contract basis for any such Agency, HUD, FHA, VA or RD).
Agency
Documents: The documents set forth on Exhibit B to the Custodial Agreement and all additional documents as may be required, supplemented or modified from time to time by the applicable Agency.
Agency Eligible Mortgage Loan: A Mortgage Loan that is originated in, and at all times remains in, Strict Compliance
with the Agency Guides and the eligibility requirements specified for the applicable Agency Program, and is eligible for sale to or securitization by such Agency.
Agency Guides: The Ginnie Mae Guide, the Fannie Mae Guide, the Freddie Mac Guide, the FHA Regulations, the VA
Regulations or the RD Regulations, as the context may require, in each case as such guidelines have been or may be amended, supplemented or otherwise modified from time to time (i) by Ginnie Mae, Fannie Mae, Freddie Mac, the FHA, the VA or the
RD, as applicable, in the ordinary course of business and not at the request of Seller, Guarantor or any of their respective Affiliates and provided that any such amendment, supplement or other modification is applicable to at least one other Person
that is not an Affiliate of Seller or Guarantor in addition to Seller and Guarantor or (ii) at the request of Guarantor to Ginnie Mae, Fannie Mae, Freddie Mac, the FHA, the VA or the RD, as applicable, and as to which with respect to this
clause (ii), (x) Guarantor has given prior written notice to Buyer of any such amendment, supplement or other modification and (y) Buyer shall not have reasonably objected.
Exhibit A-1