EXHIBIT 10.102
EXECUTION COPY
FIRST AMENDMENT
               FIRST AMENDMENT, dated as of May 11, 2005 (this “Amendment”), to
the FIVE-YEAR CREDIT AGREEMENT, dated as of May 12, 2004, among Countrywide Home
Loans, Inc., a New York corporation (“CHL”), Countrywide Financial Corporation,
a Delaware corporation (“CFC”), the Lenders parties thereto (the “Lenders”), ABN
AMRO Bank N.V. and Deutsche Bank Securities Inc., as Documentation Agents, (in
such capacity, the “Documentation Agents”), Citicorp USA, Inc., as Syndication
Agent (in such capacity, the “Syndication Agent”), Bank of America, N.A., as
Administrative Agent (in such capacity, the “Administrative Agent”), and
JPMorgan Chase Bank, N.A., as Managing Administrative Agent (in such capacity,
“Managing Administrative Agent”).
W I T N E S S E T H :
               WHEREAS, CFC, CHL, the Lenders, the Documentation Agents, the
Syndication Agent, the Administrative Agent, and the Managing Administrative
Agent are parties to the Five-Year Credit Agreement, dated as of May 12, 2004
(as amended or supplemented, the “Credit Agreement”);
               WHEREAS, CFC and CHL have requested that the Lenders agree to
make certain amendments relating to the Credit Agreement as set forth herein;
and
               WHEREAS, the Lenders are willing to agree to such amendments, in
each case subject to the terms and conditions set forth herein.
               NOW, THEREFORE, in consideration of the foregoing and for other
good and valuable consideration, CFC, CHL, the Lenders, the Documentation
Agents, the Syndication Agent, the Administrative Agent, and the Managing
Administrative Agent hereby agree as follows:
     1. Defined Terms. Terms defined in the Credit Agreement and used herein
shall have the meanings given to them in the Credit Agreement.
     2. Amendment to Section 2.01(b) of the Credit Agreement. The second
sentence of Section 2.01(b) of the Credit Agreement is hereby amended to read in
its entirety as follows:
“Notwithstanding the foregoing, without the consent of the Required Lenders,
(x) in no event shall the aggregate amount of the Commitments exceed
$5,400,000,000 and (y) each increase effected pursuant to this paragraph shall
be in a minimum amount of at least $50,000,000.”
     3. Amendment to Section 6.06 of the Credit Agreement. Section 6.06 of the
Credit Agreement is hereby amended by deleting the parenthetical “(other than,
in the case of CFC, CHL)” and inserting in lieu thereof “(other than in the case
of CFC, CHL and Treasury Bank, N.A.)”.

 

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     4. Effective Date. This Amendment shall be effective on and as of the day
and year first above written (the “Effective Date”) subject to the delivery to
the Managing Administrative Agent of the following:
          (a) A copy of this Amendment, duly executed by the parties hereto.
          (b) Such corporate resolutions, incumbency certificates and other
authorizations from CFC and CHL as the Managing Administrative Agent may
reasonably request.
          (c) Evidence satisfactory to the Agents that all fees and expenses
payable to the Agents and the Lenders prior to or on the Effective Date have
been paid in full.
     5. Counterparts. This Amendment may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original
and all of which when taken together shall constitute one and the same
agreement.
     6. Representations and Warranties. Each of CFC and CHL hereby represents
and warrants to the Lenders and the Managing Administrative Agent as follows:
          (a) Each of CFC and CHL has the corporate power and authority and the
legal right to execute, deliver and perform this Amendment and has taken all
necessary corporate action to authorize the execution, delivery and performance
of this Amendment. This Amendment has been duly executed and delivered on behalf
of CFC and CHL and constitutes the legal, valid and binding obligation of CFC
and CHL enforceable against each such Person in accordance with its terms.
          (b) At and as of the date of execution hereof and both prior to and
after giving effect to this Amendment: (1) the representations and warranties of
CFC and CHL contained in the Credit Agreement are accurate and complete in all
respects, (2) there has not occurred any Default or Event of Default and
(3) there has not occurred any material adverse change in the business,
operations, assets or financial or other condition of CFC, CHL or their
consolidated subsidiaries taken as a whole since December 31, 2004.
          (c) The financial statements of CFC, dated December 31, 2004, copies
of which have heretofore been furnished to the Managing Administrative Agent and
each Lender, are complete and correct and present fairly in accordance with GAAP
the consolidated and consolidating financial condition of CFC and its
consolidated subsidiaries at such date and the consolidated and consolidating
results of its operations and changes in financial position for the fiscal year
then ended.
          (d) The financial statements of CHL, dated December 31, 2004, copies
of which have heretofore been furnished to the Managing Administrative Agent and
each Lender, are complete and correct and present fairly in accordance with GAAP
the consolidated financial condition of CHL and its consolidated subsidiaries at
such date and the consolidated results of its operations and changes in
financial position for the fiscal year then ended.

 

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     7. Governing Law. This Amendment and the rights and obligations of the
parties hereunder shall be governed by, and construed and interpreted in
accordance with, the laws of the State of New York.
[Signature pages following]

 

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               IN WITNESS WHEREOF, the parties hereto have caused this Amendment
to be executed as of the day and year first above written.

              COUNTRYWIDE FINANCIAL CORPORATION,     a Delaware corporation
 
       
 
  By   /s/ JENNIFER SANDEFUR
 
       
 
  Name
Title:   Jennifer Sandefur
Senior Managing Director & Treasurer
 
            COUNTRYWIDE HOME LOANS, INC.,     a New York corporation
 
       
 
  By   /s/ JENNIFER SANDEFUR
 
       
 
  Name
Title:   Jennifer Sandefur
Senior Managing Director & Treasurer

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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              JPMORGAN CHASE BANK, N.A., as Managing     Administrative Agent
and a Lender
 
       
 
  By   /s/ Elisabeth H. Schwabe
 
       
 
  Name   Elisabeth H. Schwabe
 
  Title   Managing Director
 
      JPMorgan Chase Bank, N.A.

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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              BANK OF AMERICA, N.A., as Administrative     Agent and a Lender
 
       
 
  By   /s/ Elizabeth Kurilecz
 
       
 
  Name   Elizabeth Kurilecz
 
  Title   Senior Vice President

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  ABN AMRO Bank N.V., as a Lender

             
 
    By: /s/ Neil R. Stein   /s/ Michael DeMarco          
 
      Name: Neil R. Stein   Michael DeMarco
 
      Title: Director   Asst. Vice President

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  DEUTSCHE BANK AG NEW YORK BRANCH, as a
 
  Lender

         
 
  By:   /s/ Sean C Davy
 
       
 
      Name: Sean C Davy
 
      Title: Director
 
       
 
  By:   /s/ Dirk Schumann
 
       
 
      Name: Dirk Schumann
 
      Title: Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  CITICORP USA, INC., as a Lender

         
 
  By:   /s/ Yoko Otani
 
       
 
      Name: Yoko Otani
 
      Title: Managing Direcotr

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  THE BANK OF NEW YORK, as a Lender

         
 
  By:   /s/ Paul Connolly
 
       
 
      Name: Paul Connolly
 
      Title: Vice President

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  BARCLAYS BANK PLC, as a Lender

         
 
  By:   /s/ Alison McGuigan
 
       
 
      Name: Alison McGuigan
 
      Title: Associate Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  Wachovia Bank, National Association:
 
   
 
  Wachovia Bank, National Association, as a Lender

         
 
  By:   /s/ Joan Anderson
 
       
 
      Name: Joan Anderson
 
      Title: Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  BNP Paiibas, as a Lender

         
 
  By:   /s/ Pierre Nicholas Rogers
 
       
 
      Name: Pierre Nicholas Rogers
 
      Title: Managing Director

         
 
  By:   /s/ Jamie Dillon
 
       
 
      Name: Jamie Dillon
 
      Title: Managing Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  MORGAN STANLEY BANK, as a Lender

         
 
  By:   /s/ Daniel Twenge
 
       
 
      Name: Daniel Twenge
 
      Title: Vice President
 
      Morgan Stanley Bank

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  SOCIETE GENERALE, as a Lender

         
 
  By:   /s/ Edith L. Hornick
 
       
 
      Name: Edith L. Hornick
 
      Title: Managing Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  WILLIAM STREET COMMITMENT CORPORATION
 
  (Recourse only to assets of William Street Commitment
 
  Corporation), as a Lender

         
 
  By:   /s/ Manda D’Agata
 
       
 
      Name: Manda D’Agata
 
      Title: Assistant Vice President

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  ROYAL BANK OF CANADA, as a Lender

         
 
  By:   /s/ Howard Lee
 
       
 
      Name: Howard Lee
 
      Title: Authorized Signatory

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  Calyon New York Branch, as a Lender

         
 
  By:   /s/ Sebastian Rocco
 
       
 
      Name: Sebastian Rocco
 
      Title: Managing Director
 
       
 
  By:   /s/ W. Jay Buckley
 
       
 
      Name: W. Jay Buckley
 
      Title: Managing Director

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  HSBC Bank USA, N.A., as a Lender

         
 
  By:   /s/ Paul Lopez
 
       
 
      Name: Paul Lopez
 
      Title: Senior Vice President

Signature Page to the First Amendment to the Countrywide Five-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  Commerzbank AG, New York and Grand Cayman Branches, as a Lender

         
 
  By:   /s/ Christian Jagenberg
 
       
 
      Name: Christian Jagenberg
 
      Title: SVP and Manager
 
       
 
  By:   /s/ Yangling Joanne Si
 
       
 
      Name: Yangling Joanne Si
 
      Title: AVP

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO  
 
  NAME OF INSTITUTION:
 
   
 
  DRESDNER BANK AG, NEW YORK AND GRAND CAYMAN BRANCHES, as a
Lender

             
 
  By:   /s/ Sascha Klaus   /s/ J. Curtin Beaudouin          
 
      Name: Sascha Klaus   J. Curtin Beaudouin
 
      Title: Director   Director

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  KeyBank National Association, as a Lender

         
 
  By:   /s/ Mary K. Young
 
       
 
      Name: Mary K. Young
 
      Title: Vice President

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  Lehman Brothers Bank, FSB, as a Lender

         
 
  By:   /s/ Janine M. Shugan
 
       
 
      Name: Janine M. Shugan
 
      Title: Authorized Signatory

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  Greenwich Capital Markets, Inc., as agent for The Royal Bank of Scotland plc,
as a Lender

         
 
  By:   /s/ Angela Reilly
 
       
 
      Name: Angela Reilly
 
      Title: Senior Vice President

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  Union Bank of California, N.A., as a Lender

         
 
  By:   /s/ Christine Davis
 
       
 
      Name: Christine Davis
 
      Title: Vice President

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  Norddeutsche Landesbank Girozentrale New York Branch and/or
Cayman Islands Branch, as a Lender

             
 
  By:   /s/ Stephen K. Hunter   /s/ Aleksander Wolski          
 
      Name: Stephen K. Hunter   Aleksander Wolski

 
      Title: SVP   Assistant Vice President

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent

 

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  SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY 11, 2005, TO THE
FIVE-YEAR CREDIT AGREEMENT, DATED AS OF MAY 12, 2004, AMONG COUNTRYWIDE HOME
LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, JPMORGAN CHASE BANK, AS MANAGING
ADMINISTRATIVE AGENT, BANK OF AMERICA, N.A., AS ADMINISTRATIVE AGENT, CITICORP
USA, INC., AS SYNDICATION AGENT, AND ABN AMRO BANK N.V. AND DEUTSCHE BANK
SECURITIES INC., AS DOCUMENTATION AGENTS, AND THE LENDERS PARTY THERETO
 
   
 
  NAME OF INSTITUTION:
 
   
 
  WestLB AG, New York Branch, as a Lender

         
 
  By:   /s/ Samuel Bridges
 
       
 
      Name: Samuel Bridges
 
      Title: Executive Director
 
       
 
  By:   /s/ Lillian Tung Lam
 
       
 
      Name: Lillian Tung Lam
 
      Title: Executive Director

Signature Page to the First Amendment to the CountrywideFive-Year Credit
Agreement
JPMorgan Chase Bank, N.A. as Managing Administrative Agent