0001628280-26-008625 Sample Contracts

SUBSERVICING AGREEMENT NEW PENN FINANCIAL, LLC,
Subservicing Agreement • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents • New York
Supplemental Information Pursuant to the Indenture, dated as of November 6, 2024, by and between PHH Escrow Issue LLC and Wilmington Trust, national association, as trustee and collateral trustee
Indenture • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents

The details of the items enumerated in the definition of “Total LTV Ratio”, as defined in Section 1.01 of the Indenture, are as follows as of December 31, 2025: (A) Specified Net Servicing Advances, (B) Specified Deferred Servicing Fees, (C) Excess of Specified MSR Value over MTM MSR Indebtedness and Permitted MSR Indebtedness, (D) Unrestricted Cash of Parent and Restricted Subsidiaries, (E) Advance Facility Reserves, (F) Specified Loan Value, (G) Specified Residual Value, and (H) Marketable Securities held by Parent and Restricted Subsidiaries amounted to $128.6 million, $3.9 million, $844.6 million, $180.5 million, $10.6 million, $11.7 million, nil and nil respectively.

TRANSFER AGREEMENT
Transfer Agreement • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents • New York
Certain information marked “[*]” has been omitted in accordance with Item 601(b)(10) of Regulation S-K because it is both not material and is the type of information that the registrant treats as private or confidential. An unredacted copy will be...
Asset Purchase Agreement • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents • New York

This Asset Purchase Agreement (this “Agreement”) is entered into as of November 17, 2025 by and between PHH Mortgage Corporation, a New Jersey corporation (“Seller”) and Finance of America Reverse LLC, a Delaware limited liability company (“Purchaser”). Purchaser and Seller are sometimes referred to collectively herein as the “Parties” and individually as a “Party.”

Certain information marked “[*]” has been omitted in accordance with Item 601(b)(10) of Regulation S-K because it is both not material and is the type of information that the registrant treats as private or confidential. An unredacted copy will be...
Reverse Mortgage Servicing Rights Purchase and Sale Agreement • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents

This REVERSE MORTGAGE SERVICING RIGHTS PURCHASE AND SALE AGREEMENT, dated as of November 17, 2025 (this “Agreement”), is by and between PHH MORTGAGE CORPORATION, a New Jersey corporation (“Seller”), and FINANCE OF AMERICA REVERSE LLC, a Delaware limited liability company (“Purchaser”). Seller and Purchaser are each referred to as a “Party” and collectively as the “Parties.”

HLSS MSR – EBO ACQUISITION LLC, and NEW RESIDENTIAL MORTGAGE LLC
New RMSR Agreement • February 17th, 2026 • Onity Group Inc. • Mortgage bankers & loan correspondents • New York

This New RMSR Agreement (together with all attachments hereto (including the Servicing Addendum attached hereto, this “Agreement”), dated as of January 18, 2018 (the “Effective Date”), is executed within the United States Virgin Islands (the “USVI”) by and among: