AUTO LOAN PURCHASE AND SALE AGREEMENT



This Auto Loan Purchase and Sale Agreement ("Agreement") is made on June 5, 2000 (the "Effective Date"), by and between AmeriCredit Financial Services, Inc., a Delaware corporation with its principal office at 801 Cherry Street, Fort Worth, TX
76102 ("Correspondent") and E-LOAN, Inc., a Delaware corporation with its principal office at 5875 Arnold Road, Dublin, CA 94568 ("E-LOAN").

WHEREAS, E-LOAN maintains a website at www.eloan.com, and is engaged in the business of, among other things, origination and sale of loans to consumers for the purchase or refinance of motor vehicles ("Loans");

WHEREAS, E-LOAN desires to provide a broad range of available financing for consumers seeking Loans;

WHEREAS, E-LOAN and Correspondent desire to enter into an arrangement whereby E-LOAN will sell Loans to Correspondent based on Correspondent's underwriting criteria;

NOW, THEREFORE, in consideration of the mutual promises contained in this Agreement and for other good and valuable consideration the receipt and sufficiency of which is hereby acknowledged, E-LOAN and Correspondent hereby agree as follows:

1.	Sale and Delivery of Loans.

1.1 	Sale and Purchase of Loans. From time to time during the Term of this Agreement, E-LOAN shall sell, assign, transfer, convey and deliver to Correspondent, and Correspondent shall purchase from E-LOAN, without recourse and on a
servicing released basis, all right, title and interest in and to Loans as provided in this Agreement.

1.2	Offer. From time to time during the Term of this Agreement, E-LOAN shall submit, for Correspondent's review and approval, an offer to sell one or more prospective Loans (each, an "Offer") under the terms of this Agreement. Each Offer
shall be in a format acceptable to Correspondent, and shall include the items and information set forth on Exhibit A, which shall include the application relating to each offered Loan and such other information as mutually agreed by the parties. In determining whether to submit an Offer to Correspondent, E-LOAN shall apply Correspondent's underwriting
and other criteria for purchase of Loans subject to this Agreement as set forth on Exhibit B ("Purchase Criteria") to the Loan application, and shall only submit Offers that E-LOAN reasonably believes satisfy the Purchase Criteria. E-LOAN is not obligated to offer to sell any Loans or prospective Loans to Correspondent.

1.3	Acceptance. On or before the Offer Expiration Date set forth on Exhibit A, Correspondent shall, in its sole discretion, accept or reject such offer, and shall inform E-LOAN of its decision. If Correspondent accepts an Offer,
Correspondent shall electronically transmit to E-LOAN a Confirmation with respect to each prospective Loan to be purchased. The Confirmation shall include the information set forth on Exhibit C, and shall include a clear description of the conditions that must be met in order for Correspondent to purchase the Loan. Transmission of a Confirmation shall constitute acceptance of E-LOAN's Offer, and, except as provided herein,
Correspondent shall be obligated to purchase the prospective Loan, provided that all conditions set forth in the Confirmation are met and the Loan is funded by E-LOAN prior to expiration of the Confirmation. Notwithstanding the transmission of a
Confirmation by Correspondent, Correspondent shall not be obligated to purchase any loan if it has, within the past thirty (30) days, purchased a loan from any party or directly funded a loan on which the loan borrower is obligated.To withdraw a
confirmation, Correspondent shall notify E-LOAN, prior to E-Loan funding the loan, in writing or in an electronic exchange mutually agreed upon by both parties that the Confirmation is no longer valid. If E-LOAN does not fund a prospective Loan and
fulfill all conditions set forth in the Confirmation within thirty (30) days of E-LOAN's receipt of the Confirmation, the Confirmation shall expire, and Correspondent shall have no obligation to purchase the Loan. E-LOAN agrees that it will not offer for
sale to any person other than Correspondent any Loan for which a Confirmation has been issued and is outstanding. Upon expiration of a Confirmation, E-LOAN shall be free to sell or offer to sell the subject Loan to any other person, provided, however,
that E-LOAN shall give Correspondent a right of first refusal on any loan retained or sold by E-LOAN that was approved utilizing Correspondent's Confirmation. In the absence of a Confirmation issued by Correspondent with respect to a Loan, Correspondent
is not obligated to purchase any Loan offered for sale by E-LOAN.

1.4	Funding and Delivery of Loans. E-LOAN shall use its best efforts to fulfill all conditions set forth in a Confirmation, and to fund the subject Loans prior to expiration of a Confirmation; however, E-LOAN is not obligated, except
as provided in Section 1.3, to fund or sell any Loans to Correspondent, whether or not a Confirmation has been issued by Correspondent with respect to the subject Loan. Upon funding of a Loan subject to a Confirmation, E-LOAN shall immediately deliver to
Correspondent, the loan documents and items set forth on Exhibit D, together with any other items required by the Confirmation relating to the subject Loan, evidencing funding and fulfillment of all conditions of the Confirmation ("Required Documents").

1.5	Payment; Transfer. With respect to each Loan sold, Correspondent shall pay E-LOAN the amount set forth on Exhibit E ("Purchase Price"), in the manner, and by the time limits set forth in Exhibit E. The Purchase Price
shall be the principal amount of the Loan, plus such additional compensation as the parties agree. Upon receipt by E-LOAN of the portion of the Purchase Price representing the principal balance of the Loan ("Transfer Date"), the Loan, and all rights,
benefits, payments, proceeds and obligations arising from or in connection with the Loan, together with any lien or security interest in the vehicle serving as collateral for the Loan, shall vest in Correspondent. E-LOAN shall, on the Transfer Date,
inform the borrower that the Loan has been sold to Correspondent, and that all payments should be made to Correspondent. Until the Transfer Date, E-LOAN shall own and control the application and all documentation relating to a prospective Loan to be sold.
All Loans sold under this Agreement shall be sold without recourse, on a servicing released basis. With respect to each Loan as to which E-LOAN has not delivered to Correspondent all Required Documents prior to expiration of the Confirmation related to
such Loan, Correspondent shall have no obligation to purchase the subject Loan.

2. 	Covenants.

2.1 	Compliance with Law. Each party shall comply with all federal, state and local laws and regulations applicable to this Agreement and the respective party's obligations hereunder, including without limitation all consumer
protection laws, state lending laws, the federal Equal Credit Opportunity Act, Truth in Lending Act, Fair Credit Reporting Act and Fair Debt Collection Practices Act and each of their respective regulations ("Applicable Law"). E-LOAN specifically agrees
to provide all consumers rejected utilizing Correspondent's underwriting standards any adverse action notices required by state and federal law. E-LOAN shall provide prior written notice to Correspondent of any changes to the form documents for Loans, and
shall update the forms as necessary to comply with Applicable Law. Correspondent shall provide prior written notice to E-LOAN of any changes to the Purchase Criteria, and shall update the Purchase Criteria as necessary to comply with Applicable Law.



2.2	Post-Closing Payments. All monies received by E-LOAN after the transfer of title to any Loan shall be promptly turned over to Correspondent in a manner specified by Correspondent.



2.3	Limited Power of Attorney. E-LOAN hereby appoints Correspondent, its agents, employees, successors and assigns, as its attorney in fact, with the full power of substitution, for the limited purpose of (1) endorsing E-LOAN's name on any
checks, drafts, money orders or other forms of payment payable to E-LOAN that may come into Correspondent's possession with respect to any Loan purchased by Correspondent under this Agreement, and (2) executing any form or document necessary to effectuate
the assignment of a Loan in accordance with this Agreement, or to create, perfect, assign or release a first priority security interest in a vehicle securing a Loan in favor of Correspondent.

2.4	Non-Discrimination.Correspondent's credit underwriting standards and Purchase Criteria comply with, and as such standards and Criteria may be revised from time to time throughout the term of this Agreement shall remain in compliance
with, the anti-discrimination and other requirements of Applicable Law. Any allegation that Correspondent's credit underwriting standards or Purchase Criteria violate state or federal law or regulations shall be reported to and handled by Correspondent
pursuant to Sections 5.1 and 5.2 of this Agreement. E-LOAN's loan origination practices comply with, and as such origination practices may be revised from time to time throughout the term of this Agreement shall remain in compliance with, the
anti-discrimination and other requirements of Applicable Law.

2.5	Record Retention. Each party shall, at its own expense, maintain data, information, records and documents relating to Loans offered for sale or sold pursuant to this Agreement, in such manner and for such time period as is required
by Applicable Law. Each party shall cooperate with one another and make such Loan records available to regulatory authorities to satisfy state or federal audit requirements. If a party has reasonable grounds to believe a default has occurred under this
Agreement, that party shall have the right to review the records of the other party upon reasonable notice, provided that the requesting party shall be entitled to review only those records necessary to determine existence and extent of the default.
Notwithstanding this section, E-LOAN shall have no right under this Agreement to review records relating to the development or application of Correspondent's credit underwriting models or Purchase Criteria.

2.6	Performance Reports. Within fifteen (15) days after the end of each calendar month during the Term of this Agreement, Correspondent shall provide to E-LOAN a report showing (i) the number of Loans purchased by Correspondent during the
preceding month, and (ii) the principal balance of each Loan purchased by Correspondent during the preceding month.

2.7	Mutual Cooperation.During the term of this Agreement, the parties agree to cooperate with and assist each other, as reasonably requested, in carrying out the covenants, agreements, duties and responsibilities of one another under
this Agreement, and shall from time to time, execute, acknowledge and deliver such additional instruments, assignments, endorsements, and documents as may reasonably be required or appropriate to facilitate the performance of this Agreement.Both parties shall work together with respect to coordinating the systems requirements for establishing and maintaining electronic connectivity, and each party shall bear its own expenses with respect thereto.



2.8	No Solicitation. From the date of this Agreement until any Loan sold to Correspondent is paid in full, E-LOAN agrees that it will not directly solicit the respective borrowers to apply for, or offer to such borrowers, any financial
products, the proceeds of which could be used to pay off or refinance the subject Loan, including, without limitation, the solicitation or offering of any loan, line of credit, home equity loan or line of credit, or any other credit product.

3.	Representations and Warranties of the Parties. As of the date of this Agreement, and throughout the Term, each party hereby represents and warrants to the other party that:

3.1	Due Organization and Good Standing. Each party is a corporation, duly organized, validly existing, and is qualified and authorized to transact business in, and is in good standing under the laws of, the jurisdiction of its
organization and each jurisdiction in which it performs or will perform its obligations under this Agreement, or is otherwise doing business or is otherwise exempt under applicable Law from such qualification.

3.2	Authority and Capacity. Each party has the power, authority and capacity to execute, deliver, and perform its obligations under this Agreement. Each party's execution, delivery and performance of this Agreement have been duly
authorized by all necessary corporate action. This Agreement constitutes a valid and legally binding agreement enforceable in accordance with its terms, subject to bankruptcy laws and other similar laws of general application affecting rights of creditors
and subject to the application of the rules of equity, including those respecting the availability of specific performance.

3.3	Consent; Litigation. No consent or approval of any other party or any court or governmental authority is required in connection with the execution, delivery, performance, validity or enforceability of this Agreement. There is no
pending claim, cause of action, governmental action or litigation that, if determined adversely, would affect the party's ability to perform its obligations hereunder. This Agreement will not result in a default under any other agreement to which the
party is bound.

3.4	Licenses. All necessary qualifications and licenses required by applicable law to conduct business as contemplated by this Agreement in all states where Loans are purchased and sold hereunder have been obtained, and will be
maintained in good standing.

4. 	Additional Representations and Warranties of E-LOAN. As of each and every date E-LOAN sells and delivers a Loan to Correspondent under this Agreement, E-LOAN hereby represents and warrants to Correspondent with respect to each
such Loan that:

4.1	Valid Loans. Each Loan is bona fide, valid, genuine and legally enforceable according to its terms and is duly and properly executed by the parties shown as borrowers who were, competent and had full legal capacity to enter into
such Loan at the time they executed the same. E-LOAN represents and warrants that (1) there are no claims or defenses with respect to any Loan; (2) no Loan, or the obligations of any borrower, guarantor or surety with respect to any Loan, has been
obtained by fraud or fraudulent representations; (3) no oral or written agreement exists or will exist whereby any of the terms of any Loan has been varied in any way; (4) the information provided to Corespondent in connection with each Loan is complete,
true and correct; and (5) none of the borrowers, guarantors or sureties on the Loans are deceased, and none of such persons are the subject of any bankruptcy or other legal proceedings.

4.2	Loans Comply with Law. The form of each Loan and the transactions contemplated by the Loan comply with, and have been entered into in compliance with, all applicable law, and all required disclosures and notices have been given in
compliance with all applicable law. Any applicable period during which the borrower may rescind the Loan has expired, and all Loan proceeds have been fully disbursed.



4.3	No Default. All payments required under each Loan have been made up to the date the Loan is sold. None of the payments made by borrower were made in whole or in part with funds loaned to borrower by E-LOAN or its affiliates. There is no
default, breach, violation or event of acceleration existing under the terms of each Loan nor has any event occurred which, upon the giving of notice or the lapse of time, or both, would constitute a default, breach, violation or event of acceleration
under the Loan.

4.4	Title and Insurance. For each Loan sold to Correspondent, the certificate of title to each vehicle securing a loan shall list E-LOAN, Correspondent or its designated nominee (as the parties shall mutually agree) as the first and only
perfected purchase money lienholder on the certificate of title application or registration and on the required physical damage insurance policies and loss payable clauses relating to the vehicle securing the Loan. The certificate of title shall contain
no notation of prior lemon law activity or salvage restoration.



4.5	Origination of Loans. Except as disclosed in writing to Correspondent and accepted by Correspondent prior to the Closing Date, each Loan has been originated in accordance with the Purchase Criteria and the terms and conditions of the
applicable Confirmation.

4.6	Status of Loan. The information that appears on E-LOAN's accounting and all other pertinent records pertaining to any Loan accurately reflect the true status of each Loan.

4.7	Ownership of Loans. E-LOAN is the sole owner of each Loan and has good and marketable title thereto, and has the right to assign, sell and transfer the Loan to Correspondent free and clear of any encumbrance, lien, pledge, charge,
claim or security interest.E-LOAN has not sold, assigned or otherwise transferred any right or interest in or to the Loan and has not pledged the Loan as collateral for any debt or other purpose.

.	4.8	Sale Treatment.The sale of each Loan shall be reflected on E-LOAN's balance sheet and other financial statements as a sale of assets by E-LOAN, and E-LOAN shall not take any action or omit to take any action which would cause the
transfer of the Loans to Correspondent to be treated as anything other than a sale to Correspondent of all of E-LOAN's right, title and interest in and to each Loan.

4.9	Insurance. Each vehicle securing a Loan is insured against loss under a policy issued by an insurer reasonably acceptable to Correspondent and qualified to do business in the state where the vehicle is located, in a form such that it
may be endorsed to Correspondent as loss payee. To the best of E-LOAN's knowledge, there are no facts or circumstances that could provide a basis for revocation of, or a defense to any claims made under, any insurance policy covering a vehicle.

5.	Indemnification & Remedies.

5.1	Indemnification.Each party (in such capacity, referred to as "Indemnitor") shall indemnify and hold the other party and its respective shareholders, directors, officers, employees, representatives, agents, servants, successors, and
assigns (collectively "Indemnitee") harmless from and shall reimburse Indemnitee for any losses, damages, deficiencies, claims, causes of action or expenses of any nature (including reasonable attorneys' fees and expenses) incurred by Indemnitee arising
out of or resulting from any breach of any warranty, representation covenant or obligation of Indemnitor under this Agreement.

5.2	Indemnification Procedures.After either party obtains knowledge of any claim, action, suit or proceeding (collectively a "Claim") for which it believes is entitled to indemnification under this Agreement, it shall promptly notify
the other party of such Claim in writing within fifteen (15) days after such knowledge. Each party shall cooperate with the other in every reasonable manner (at the Indemnitor's sole expense) to facilitate the defense of any Claim subject to
indemnification hereunder. Indemnitee's failure to promptly notify Indemnitor of a Claim shall not relieve the Indemnitor from any liability under this Section to the extent that Indemnitor is not materially adversely affected by such delay. With respect
to each such notice, the Indemnitor shall, at the Indemnitee's option, immediately take all action necessary to minimize any risk or loss to the Indemnitee, including retaining counsel satisfactory to the Indemnitee and take such other actions as are
necessary to defend the Indemnitee or to discharge the indemnity obligations under this Section. If the Indemnitor does not timely and adequately conduct such defense, the Indemnitee may, at its option and at Indemnitor's expense, conduct such defense,
contest, litigate or settle the Claim using counsel of its own choice without prejudice to its right of indemnification under this Section. The Indemnitor shall pay on demand any liability incurred by the Indemnitee under this Section. The Indemnitor
shall not settle any claim in which the Indemnitee is named without the prior written consent of the Indemnitee, which consent shall not be unreasonably withheld. The Indemnitee shall have the right to be represented by counsel at its own expense in any
such contest, defense, litigation or settlement conducted by the Indemnitor.

5.3	Repurchase. The purchase and sale of Loans under this Agreement shall be without recourse to E-LOAN, except for the representations, warranties, covenants and agreements set forth in this Agreement. Notwithstanding the foregoing, in
the event there is a material breach by E-LOAN of any covenant, representation, warranty or agreement under this Agreement which remains uncured for ninety (90) days and involves, relates to, or affects any Loan sold to Correspondent under this Agreement,
E-LOAN shall repurchase the affected Loan from Correspondent for the outstanding balance of principal and accrued but unpaid interest on such Loan along with the referral fee paid to E-LOAN by Correspondent. Upon discovery of a suspected breach,
Correspondent shall provide E-LOAN with written notice specifying the breach. In the event of such repurchase, Correspondent shall assign the affected Loan to E-LOAN without recourse and without representation or warranties, expressed or implied.

5.4	Survival of Remedies. This Section shall survive termination of the Agreement.



6.	Term and Termination.



6.1	Term. Unless this Agreement is terminated earlier as provided below, this Agreement shall have an initial term of six (6) calendar months commencing on the Effective Date, and shall automatically renew for successive one (1) year
term periods. The initial term, together with any renewal terms, shall be referred to herein as the "Term."

6.2	Termination. Notwithstanding the foregoing, this Agreement may be terminated as follows:

(i) without cause by either party after expiration of the Initial Term, upon not less than thirty (30) days prior written notice to the other party; or

(ii) by either party immediately upon written notice to the other party (a) if the other party breaches any warranty, representation, covenant or obligation under this Agreement and fails to cure such breach within thirty (30) calendar days of
receiving written notice of the breach from the non-breaching party; (b) if a party has reasonable cause to believe that the other party will not be able to perform its obligations under this Agreement; (c) if there occurs a change of (25%) or more of the
ownership of the other party; (d) if a material adverse change occurs in the financial condition of the other party; or (e) if the other party is subject to a dissolution, receivership, liquidation, insolvency, conservatorship, consolidation,
reorganization, sale of substantially all of its assets, cessation of business, voluntary or involuntary bankruptcy.

6.3	Effect of Termination; Survival. The termination of this Agreement shall not affect the rights and obligations of the parties with respect to Loans for which Confirmations have previously been issued ("Pipeline Loans"), or
transactions and occurrences that take place prior to the effective date of termination, and Correspondent shall purchase Pipeline Loans as provided in Section 1.3 if all conditions set forth in the Confirmation are met, except as otherwise provided by
Applicable Law.



7.	Miscellaneous.

1. Non-interference with Employment. Correspondent and E-LOAN acknowledge and agree that in order to perform their respective obligations under this Agreement, each will be placed in a direct personal and confidential relationship with the
employees of the other. Further, Correspondent and E-LOAN acknowledge and agree that the employment of those employees who will be involved in the performance of this Agreement constitutes a valuable business asset of the employing party. Now, therefore,
as separate and distinct consideration for this Section 7.1, receipt and sufficiency of which is hereby acknowledged, Correspondent and E-LOAN hereby mutually promise and covenant that neither party shall, either directly or indirectly, during the term of
this Agreement and for a period of one (1) year following the termination of this Agreement, (a) solicit or induce any current or future employee of the other involved in the performance and administration of this Agreement to leave his or her employment
for any reason whatsoever, nor (b) solicit for hire, attempt to hire or hire any current or future employee of the other involved in the performance or administration of this Agreement. Nothing in this Section 7.1, however, is intended to prevent either
party from hiring any applicant for employment to the extent that the application is the result of the applicant's response to a general advertisement for employment. If either Correspondent or E-LOAN breaches this Section 7.1 and as a result thereof an
employee leaves his or her employment, in addition to any other remedies provided in this Agreement or otherwise available at law, the breaching party shall pay to the non-breaching party, as liquidated damages and not as consequential, incidental or
punitive damages, an amount equal to the annual compensation (salary plus bonuses) of the employee. The remedies provided in this Section 7.1 shall survive termination of this Agreement.

7.2	Confidentiality of Information. Each party and their respective affiliates, directors, officers, employees and authorized representatives shall hold in strict confidence and not use or disclose to any other person without the prior
written consent of the other party, all information concerning the other party's proprietary business procedures, products, services, operations, fees, policies or plans received from the other party in connection with the negotiation and performance of
this Agreement. Notwithstanding the foregoing, either party may disclose information that is required to be disclosed by Applicable Law, governmental regulation or court order, and may disclose the contents of this Agreement, with information as to the
amount of, and manner of calculating the Purchase Price redacted where permitted, in required filings with the Securities Exchange Commission or other governmental agency without the other party's prior consent. This provision shall survive termination of
the Agreement

7.3	Public Announcement. The timing and content of any advertisements, announcements, press releases or other promotional activity relating to this Agreement, and the use of each other's name or trademarks shall be subject to the prior
written approval of both parties.

7.4	Assignment. Neither party may assign this Agreement without the prior written consent of the other party.

7.5	No Agency Relationship. The relationship between E-LOAN and Correspondent shall not be construed as a joint venture, partnership or principal-agent relationship, and under no circumstances shall any of the employees of one party be
deemed to be employees of the other party for any purpose. This Agreement shall not be construed as authority for either party to act for the other in any agency or any other capacity, except as expressly set forth in this Agreement.

7.6	Third Party Beneficiaries. This Agreement is not intended and shall not be construed to create any rights or benefits upon any person not a party to this Agreement.

7.7 	Costs and Expenses.Unless specifically provided for elsewhere in this Agreement, each party will bear its own costs and expenses, including legal fees, accounting fees and taxes incurred in connection with the negotiation and
performance of this Agreement.

7.8	Notices.All notices and other communications required or permitted to be given under this Agreement shall be in writing and shall be deemed given (i) three business days after being deposited in the U.S. mail, first class, postage
prepaid, (ii) upon transmission, if sent by facsimile transmission, or (iii) upon delivery, if served personally or sent by any generally recognized overnight delivery service, to the following addresses:

(a) If to E-LOAN, to:

E-LOAN, Inc.

5875 Arnold Road

Dublin, CA 94568

Attn: Curtis Kuboyama

Facsimile no. (925) 241-2403

with a copy to Edward A. Giedgowd, E-LOAN's Counsel at the same address.

(b) If to Correspondent, to:

AmeriCredit Financial Services, Inc.

801 Cherry Street, Suite 3900

Fort Worth, Texas 76102

Attn: Chris Barry

With a copy to Richard J. Mossburg, Correspondent's Counsel at the same address.



7.9	Entire Agreement. This Agreement, including any exhibits or other documents attached hereto or referenced herein, each of which is hereby incorporated into this Agreement and made an integral part hereof, constitutes the entire
agreement between the parties relating to the subject matter hereof and there are no representations, warranties or commitments except as set forth herein. This Agreement supersedes all prior understandings, negotiations and discussions, written or oral,
of the parties relating to the transactions contemplated by this Agreement.



7.10	Modification. This Agreement may not be changed orally but only by an agreement in writing, signed by the party against whom enforcement of any waiver, change, modification, or discharge is sought

7.11	Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.

7.12	Provisions Severable. If any provision of this Agreement shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent that its legal and valid and the validity,
legality and enforceability of the remaining provisions shall in no way be affected or impaired. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns
 .

7.13	Waivers; Cumulative Remedies. No failure or delay by a party to insist upon the strict performance of any term or condition under this Agreement or to exercise any right or remedy available under this Agreement at law or in
equity, shall imply or otherwise constitute a waiver of such right or remedy, and no single or partial exercise of any right or remedy by any party will preclude exercise of any other right or remedy. All rights and remedies provided in this Agreement are
cumulative and not alternative; and are in addition to all other available remedies at law or in equity.

7.14	Limitation of Liability. NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY UNDER THIS AGREEMENT FOR ANY DAMAGES OR CLAIMS FOR LOST PROFITS OR CONSEQUENTIAL, INCIDENTAL OR
PUNITIVE DAMAGES.

7.15	Waiver of Jury Trial. EACH PARTY HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS
AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.

7.16	Counterparts. This Agreement may be executed in two or more counterparts, each of which together shall be deemed an original, but all of which shall constitute one and the same instrument.



IN WITNESS WHEREOF, the parties have executed this Agreement, effective as of the Effective Date written above.

|AmeriCredit Financial Services, Inc.                    | E-LOAN, Inc.                                         
|------------------------------------------------------- | -----------------------------------------------------
|                                                        |                                                      
|_________________________________
By: Michael T. Miller | _________________________________
By: Joe Kennedy    
|Title: Executive Vice President                         | Title: President and COO                             
|Date: __________________________                        | Date: __________________________                     
|                                                        |                                                      
|                                                        | _________________________________
By: Frank Siskowski
|                                                        | Title: Chief Financial Officer                       
|                                                        | Date: __________________________                     



Exhibit A: Documents to be Submitted by E-Loan with Offers to sell a Loan



Product:

Loan amount:

Term:

Trade-in vehicle:

|Primary Applicant information:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Co-borrower information:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Primary applicant name:
Primary applicant SSN:
Primary applicant score:
Birthdate:
E-mail address:
Current residence: (need status of own, rent, with parents, military, etc.)
Time on current residence: yrs/mos
Residence Status (Rent, Own, etc.)
Rent/Mortgage Payment:
Previous residence:
Time at previous residence: yrs/mos
Home phone:
Name of employer:
Time on job: yrs/mos
Occupation:
Employer phone:
Gross Monthly Income:
Trade-in:
Monthly Payment of Trade-in:
Name of previous employer:
Time on previous job: yrs/mos
Previous employer address:
Previous employer phone:
Other Income Source:
Other Income Amount: | Co-borrower name:
Co-borrower SSN:
Co-borrower score:
Birthdate:
E-mail address
Current residence: (need status of own, rent, with parents, military, etc.)Time on current residence: yrs/mos
Residence Status (Rent, Own, etc.)
Rent/Mortgage Payment:
Previous residence:
Time at previous residence: yrs/mos
Home phone:
Name of employer:
Time on job: yrs/mos
Occupation:
Employer phone:
Gross Monthly Income:
Name of previous employer:
Time on previous job: yrs/mos
Previous employer address:
Previous employer phone:
Other Income Source:
Other Income Amount:



Note: Offer expires in 2 hours from the time of submittal of above information to correspondent.



Exhibit B: Purchase Criteria



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Notes:

1. [*]
2. [*]
3. [*]
4. [*]
5. [*]
6. [*]

Exhibit C: Information to be Included in Loan Confirmation

The Loan Confirmation will include the following:

For Approvals:

- Date and Time of the credit decision
- Application number
- Decisioning Lender Contact Information
- Applicant name (and Co-Applicant if applicable)
- Approved Amount
- Maximum Loan to Value % (for new and used)
- APR Rate (for new and used)
- Maximum Term (for new and used)
- Stipulation level 1-3 (See exhibit D for detailed stipulations by level)

For Declinations:

- Date and Time of credit decision
- Application number
- Decisioning Lender contact information
- Applicant Name (and Co-Applicant if applicable)
- Up to 4 ECOA reasons for not approving the application as submitted

Exhibit D: Loan Documents

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | Level 1 | Level 2 | Level 3
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------- | ------- | -------
|(Required by Level according to matrix below prior to Funding)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |         |         |        
|Basic Loan PackageExecuted draft (front and back)
Promissory Note & Security Agreement (Estimated and Final)
Ancillary product documentation
Warranty / Service Contract Agreement
Credit life policy
Credit disability policy
GAP policy
Other product agreementsLien/title work (state specific)
Title receipt (preferred)
Completed and signed title application (acceptable)
Odometer statement (used vehicles only)Buyer's order
Invoice (new vehicles)
Bookout sheet (used vehicles)
Proof of trade-in (if applicable)
Copy of insurance policy
Copy of valid drivers license(s)
1 reference - nearest living relative | 3       | 3       | 3      
|Proof of income (depending on type of employment)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |         | 3       | 3      
|W2 Employee - Paystub within last 30 days showing year-to-date gross income                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |         |         |        
|Self Employed - Two years income tax returns including Schedule C                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |         |         |        
|Retired/Disability - Social Security or Disability letter or bank statement showing direct deposit (six months)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |         |         |        
|Child Support - court ordered document and six months of receipts                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |         |         |        
|Proof of Residence (depending on type of residence)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |         | 3       | 3      
|Renters - Utility bill showing current address within last 30 days                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |         |         |        
|Homeowners - Mortgage coupon (no older than 90 days)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |         |         |        
|Verbal Verifications (completed in a manner that meets AmeriCredit's verifications standards)
Income
Residency
Three references - including nearest living relative                                                                                                                                                                                                                                                                                                                                                                                                                                                          |         |         | 3      

Exhibit E: Purchase Price

Purchase Price:

The Purchase Price of the Loans shall equal the Principal Balance and will be paid to E-LOAN via ACH within 48 hours of receipt of a correctly completed loan information and document package as set forth on Exhibit F. Calculation and payment of
Compensation shall be according to this Exhibit E as shown below.

Compensation:

- As compensation for its performance of the Services on behalf of Correspondent, E-LOAN will receive a fee ("Origination Fee") for each Loan booked by Correspondent as a result of E-LOAN's Services hereunder. Said Origination Fee shall be based on
monthly closure (number of applications booked divided by the number of applications decisioned) as listed below:

|Closure | Referral
|------- | --------
|Rate    | Fee     
|[*]     | [*]     
|        |         
|        |         
|        |         
|        |         

- The fee is paid per funded loan booked by Correspondent. The Origination Fee will be paid on the 10th of the month following the month in which such Loan is booked via ACH.
- A flat fee of $[*] per funded loan will be paid by Correspondent for the first 60 days of this agreement to allow for a ramping up of approvals and bookings.
- Only one referral fee will be paid per funded loan.