**ASSET      PURCHASE AND SALE AGREEMENT**

**between**

**The      New York Mortgage Company, LLC,**

**as      Seller,**

**and**

**Tribeca      Lending Corp.,**

**as      Buyer**

**Dated      as of February 14, 2007**

----

**ASSET      PURCHASE AND SALE AGREEMENT**

**ARTICLE      I**

**Definitions**

**1.1**
**Definitions.**

----

----

----

----

----

**”**

----

----

**1.2**
**Other      Defined Terms**

| **Term**                                           |   | **Section** |                       |
|----------------------------------------------------|--------|-------------|----------------------------|
| Allocation                  Statement              |   |        | 7.8                        |   |
| Approved                  Pipeline Mortgage Loan   |   |        | 3.17(a                     | ) |
| Buyer                  Indemnified Parties         |   |        | 8.1                        |   |
| Buyer                  Nondirected Solicitation    |   |        | 9.1(b                      | ) |
| Buyer                  Required Consents           |   |        | 4.10                       |   |
| Buyer's                  Losses                    |   |        | 8.1                        |   |
| Charges                                            |   |        | 2.6                        |   |
| Claim(s)                                           |   |        | 8.3(a                      | ) |
| Closing                                            |   |        | 2.7                        |   |
| Closing                  Date                      |   |        | 2.7                        |   |
| Confidentiality                  Agreement         |   |        | 9.2(a                      | ) |
| Defense                                            |   |        | 8.3(b                      | ) |
| Delivery                  Deadline                 |   |        | 2.4(b                      | ) |
| Enforceability                  Exception          |   |        | 3.3                        |   |
| Excluded                  Liabilities              |   |        | 2.2(b                      | ) |
| Paying                  Party                      |   |        | 7.7(b                      | ) |
| Pipeline                  Premium                  |   |        | 2.3(a                      | ) |
| Pipeline                  Mortgage Loan Adjustment |   |        | Exhibit                  E |   |
| Plans                                              |   |        | 7.12(c                     | ) |

| Prohibited                  Employee             |   |   | 9.1(b  | )      |
|--------------------------------------------------|--------|--------|--------|--------|
| Purchase                  Price                  |   |   | 2.3    |   |
| Restricted                  Employee             |   |   | 9.1(a  | )      |
| Seller                  Indemnified Parties      |   |   | 8.2    |   |
| Seller                  Nondirected Solicitation |   |   | 9.1(a  | )      |
| Seller                  Operating Expenses       |   |   | 2.6(c  | )      |
| Seller                  Prepaid Expenses         |   |   | 2.6(c  | )      |
| Seller                  Required Consents        |   |   | 3.12   |   |
| Seller's                  Losses                 |   |   | 8.2    |   |
|                                             |   |   |   |   |

----

| **1.3                  Exhibits and Schedules.** |
|--------------------------------------------------|
|                                             |   |
| Exhibit                  A                       | Assumed                  Leases |
| Exhibit                  B                       | Assumed                  Broker Agreements |
| Exhibit                  C                       | Furniture,                  Fixtures and Equipment |
| Exhibit                  D                       | Transferred                  Employees |
| Exhibit                  E                       | Pipeline                  Mortgage Loan Adjustment |
| Exhibit                  F                       | Form                  of Origination Premises Lease Assignment and Assumption                  Agreement |
| Exhibit                  G                       | Origination                  Premises Lease Estoppel Certificate |
| Exhibit                  H                       | Broker                  Assignment and Assumption Agreement |
| Exhibit                  I                       | License                  Agreement |
| Exhibit                  J                       | Assignment                  and Assumption Agreement |
| Exhibit                  K                       | Bill                  of Sale |
|                                             |   |
| Schedule                  1                      | Acquired                  Intellectual Property |
| Schedule                  3.4                    | Liens |
| Schedule                  3.10                   | Compliance                  with Applicable Requirements |
| Schedule                3.10(b)                  | Compliance                with Applicable Laws |
| Schedule                  3.12                   | Seller                  Required Consents |
| Schedule                  3.16                   | Intellectual                  Property Infringement |
| Schedule                3.17(a)                  | Pipeline                Mortgage Loans |
| Schedule                  4.10                   | Buyer                  Required Consents |
| Schedule                  7.12                   | Post-Closing                  Services |
|                                             |   |

**ARTICLE      II**

**Terms      of Purchase and Sale of Assets**

**2.1**
**Purchase      and Sale of Assets.**

----

**2.2**
**Assumption      of Liabilities.**

|  | (a) | On                the terms and subject to the conditions provided for in this Agreement,                on                the Closing Date, Buyer shall assume the Assumed Liabilities. Except                for                the Assumed Liabilities, nothing in this Agreement is intended or                shall be                deemed to subject Buyer, any of its Affiliates or any of the officers,                directors, employees or agents of Buyer or its Affiliates, to any                Liability by reason of the transfer of assets contemplated hereby                under                the laws of the United States of America, any State, territory or                possession thereof or the District of Columbia or any other jurisdiction                based, in whole or in part, directly or indirectly, on any theory                of law,                including any theory of successor, assignee or transferee                liability. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Notwithstanding                any provision in this Agreement or any other writing to the contrary,                Buyer is assuming only the Assumed Liabilities and is not assuming                any                other liability or obligation of Seller (or any predecessor of Seller                or                any prior owner of all or part of its businesses and assets). All                such                other liabilities and obligations shall be retained by and remain                obligations and liabilities of Seller (all such liabilities and                obligations not being assumed being herein referred to as the “Excluded                Liabilities”). Notwithstanding anything to the contrary in this Agreement,                the term “Excluded Liabilities”includes: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | all                Liabilities relating to any compensation or benefits of any director,                officer, personnel, former personnel, independent contractor, agent,                or                other representative of Seller or any Plans, including, in respect                of                workers’ compensation or claims relating to employment of personnel by, or                provision of services by personnel to, Seller prior to the Closing,                including severance obligations, if                any; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | any                right, title, benefit, privileges and interest in and to, and all                of the                burdens, and Liabilities under, Assumed Broker Agreements with respect                to                (A) any mortgage loans that are not included in the Assets or (B)                any                mortgage loans that closed in the name of Seller before the Closing                Date; |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | any                Taxes of Seller with respect to taxable periods ending before the                Closing                Date; and |
|--------|-------|--------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (iv) | with                respect to taxable periods beginning before the Closing Date and                ending                after the Closing Date, any Taxes of Seller that are allocable to                the                portion of such period ending prior to the Closing                Date. |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**2.3**
**Purchase      Price.**

|   | (a) | The                Purchase Price to be paid for the Assets shall be comprised of the                following components: |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------|

|   | (i) | An                amount equal to fifty (50) basis points of the principal amount of                each                Pipeline Mortgage Loan closed during the first ninety (90) day period                immediately following the Closing Date (the “Pipeline Premium”), plus the                Pipeline Mortgage Loan Adjustment calculated pursuant to the provisions                set forth in Exhibit                E;                plus |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | $485,134.63,                which represents the aggregate amount of Seller’s book value on the date                hereof for the Furniture, Fixtures and Equipment. |
|--------|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**2.4**
**Timing      of Payments and Adjustments.**

|   | (a) | Buyer                will pay to Seller at Closing an amount equal to (I) the entire Purchase                Price except for the Pipeline Premium and the Pipeline Mortgage Loan                Adjustment, plus the Seller Prepaid Expenses and the amount of the                security deposit held by the Lessor under the Origination Premises                Lease,                less (II) the Seller Operating Expenses, and (III) as increased or                decreased by the amount of the Pipeline Mortgage Loan Adjustment,                in                accordance with Section 2.4(b). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | On                or prior to the Closing Date, Buyer and Seller will mutually agree                to a                determination of the amount of the Pipeline Mortgage Loan Adjustment,                which shall be determined in accordance with Exhibit                E.                The amount of the agreed-upon Pipeline Mortgage Loan Adjustment shall                be                applied to adjust the Purchase Price in accordance with Exhibit                E. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | The                Pipeline Premium shall be paid as                follows: |
|--------|-----|------------------------------------------------------------------------------|

|   | (i) | Forty                (40) days after the Closing Date, Buyer shall pay Seller the portion                of                the Pipeline Premium attributable to Pipeline Mortgage Loans closed                on the                Closing Date and during the first thirty (30) day period following                the                Closing Date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | Seventy                (70) days after the Closing Date, Buyer shall pay Seller the portion                of                the Pipeline Premium attributable to Pipeline Mortgage Loans closed                during                the second thirty (30) day period following the Closing Date, plus                such                other amounts previously accrued but not paid to Seller pursuant                to                sub-section 2.4(c)(i) above. |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (iii) | One                hundred (100) days after the Closing Date, Buyer shall pay Seller                the                portion of the Pipeline Premium attributable to Pipeline Mortgage                Loans                closed during the third thirty (30) day period following the Closing                Date,                plus such other amounts previously accrued but not paid to Seller                pursuant                to sub-sections 2.4(c)(i) and (ii)                above. |
|--------|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | On                or prior to the Closing Date, Buyer and Seller will reasonably agree                upon                the Pipeline Mortgage Loan Schedule; provided, however, that Buyer                and                Seller hereby acknowledge and agree that Buyer may, in its reasonable                discretion, decline to include on the Pipeline Mortgage Loan Schedule                any                registration for or application from prospective borrowers for Residential                Mortgage Loans that have been put into process by the Origination                Business                because Buyer would not be able to perform and close such loan(s)                due to                Buyer not possessing any licenses required for such performance.                If Buyer                declines to include any such loans on the Pipeline Mortgage Loan                Schedule,                Seller shall retain the files and documents for such loans and Seller                shall, at its sole discretion, originate, underwrite, process and                or close                such loans. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | After                the Closing Date, Buyer shall not take any action, other than those                actions reasonably required by circumstance, including, for example                (and                without limitation), based upon a borrower’s qualifications for a mortgage                loan or changes in such qualifications, and exercised in a commercially                reasonable manner, with respect to renegotiation of any Pipeline                Mortgage                Loan in any manner which is adverse to the payment to be made to                Seller                hereunder. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**2.5**
**Method      of Payment.**

**2.6**
**Proration      of Expenses and Fees.**

|  | (a) | All                Operating Expenses (as such term is defined in the Origination Premises                Lease) and utility payments, property taxes and other Taxes relating                to                the Origination Premises and all other expenses, fees arising in                the                ordinary course of business (including, but not limited to, fees                incurred                in connection with processing Pipeline Mortgage Loans such as charges                for                credit reports, field review appraisals, DISSCOTM and MARI® reports), and                Taxes relating to the Assets (collectively, “Charges”), shall be prorated                between the parties as of 12:01 a.m. on the Closing Date, with Seller                responsible for Charges relating to periods or services provided                prior to                the Closing Date and Buyer responsible for Charges relating to periods                including, from and after the Closing Date and services provided                during                such periods. |
|--|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | For                all purposes of this Agreement, Taxes that are based upon or related                to                income or receipts or imposed in connection with any sale or other                transfer or assignment of property, or any other Tax for which an                interim                closing of the books is reasonably applicable (other than any Tax                described in Section 7.7(b) hereof), shall be allocated to portions                of a                taxable period based on an interim closing of the books. In the case                of                any Tax for which an interim closing of the books is not reasonably                applicable, such as property taxes, the amount of such Tax that is                allocable to a portion of a taxable period shall be determined by                multiplying the amount of Tax for the entire period by a fraction,                the                numerator of which is the number of days in the portion of the taxable                period and the denominator of which is the number of days in the                entire                taxable period. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Seller                and Buyer hereby agree that on or prior to Closing, the Parties shall                set                forth in writing (a) the amount of Operating Expenses for calendar                year                2006 and the portion of calendar year 2007 that will have elapsed                prior to                the Closing Date and for which Seller shall be responsible pursuant                to the                foregoing provisions of this Section 2.6 (“Seller Operating Expenses”) and                (b) the amount of prepaid expenses and prepaid rent, if any, that                Seller                has paid and which represents Charges for which Buyer would be responsible                pursuant to the foregoing provisions of this Section 2.6 (“Seller Prepaid                Expenses”). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | If,                after the Closing, either Party receives an invoice for Charges for                which                the other Party is responsible pursuant to the foregoing provisions                of                this Section 2.6 and which have not already otherwise been paid between                the Parties, the Party receiving such invoice shall provide the other                Party with written notice of such invoice. In the event that the                other                Party does not pay the invoice within twenty (20) days from the date                of                the first Party’s notice to the other of the receipt of such invoice, the                first Party may, but is not obligated to, pay such invoice and (1)                deduct                such payment from any amounts otherwise payable to the other Party                pursuant to this Agreement or (2) invoice the other Party, in which                case,                the other Party shall promptly pay the invoiced                amount. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**2.7**
**Closing.**

----

**2.8**
**Post-Closing      Adjustments**

**ARTICLE      III**

**Representations      and Warranties of Seller**

**3.1**
**Organization.**

**3.2**
**Authority;      Consent and Approvals.**

|  | (a) | The                execution and delivery of this Agreement by each of Seller and NYMT                and                the Transaction Documents to which it is a party and their consummation                of                the transactions contemplated hereby (inclusive of the sale of the                Assets                to Buyer on the terms and conditions hereof) and thereby have been                duly                and validly authorized by all requisite corporate                action; |
|--|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Each                of Seller and NYMT has the full corporate power and authority to                enter                into, deliver and perform their obligations under this Agreement                and any                other Transaction Document to which it is a party;                and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | This                Agreement has been duly executed and delivered by Seller and NYMT.                The                Transaction Documents to which Seller is a party will, at or prior                to                Closing, be duly executed and delivered by                it. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**3.3**
**Binding      Agreement.**

**3.4**
**Title      to Assets; Marketability.**

|   | (a) | Seller                has, and at Closing Buyer will receive from Seller, good and valid                marketable, indefeasible, fee simple title to all of the Assets to                which                it asserts claims of ownership and valid leasehold interests in all                of the                Assets leased by it, in each case free and clear of all Liens (other                than                Assumed Liabilities, Liens for Taxes not yet due and payable and                Liens set                forth on Schedule 3.4, which are to be released at or prior to Closing).                Upon consummation of the transactions contemplated hereby, Seller                shall                have conveyed to Buyer good and marketable title in and to, or, in                the                case of assets which are leased or licensed pursuant to Assumed Leases,                a                valid leasehold interest or license in, each of the Assets, free                and clear                of all Liens (other than Assumed Liabilities, Liens for Taxes not                yet due                and payable). Notwithstanding the foregoing, Seller makes no                representations or warranties with respect to title to the unregistered                service marks “E-Z Alt-A”, “EZ Alt-A”, “Mortgage Power” or the cartoon                characters used by Seller. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Seller                has made available for inspection by Buyer all of the Acquired Assets                which are tangible (“Tangible Assets”, including, without limitation,                Furniture, Fixtures and Equipment), and such Tangible Assets are                sold and                purchased hereunder on an "as is" basis, with all faults, and no                further                representation is made by Seller to such Tangible                Assets. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (c) | Exhibit                C                sets forth a true and correct listing of the Furniture, Fixtures                and                Equipment and the book value on the date hereof for each piece of                Furniture, Fixtures and Equipment. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**3.5**
**Leases.**

----

**3.6**
**Litigation.      **

**3.7**
**No      Commissions to Third Parties.**

**3.8**
**Good      Standing.**

**3.9**
**Regulatory      Matters.**

**3.10**
**Compliance      with Law**

|   | (a) | The                Origination Business has been operated in compliance with Seller’s                organizational documents and charter and all Applicable                Laws. Seller has not received notice from any Governmental Authority                alleging that it is not in compliance with, or that it is in violation                of,                any Applicable Law with respect to the Origination Business and or                the                Origination Premises. ** **To                its knowledge, the Seller and each entity involved in the solicitation,                origination, processing and/or taking of registrations or applications                for                a mortgage loan from a consumer as part of the Origination Business,                including but not limited to any broker or correspondent (including                employees, independent contractors, agents and affiliates of the                broker or                correspondent) are in compliance with Applicable Requirements. Except                as                set forth on Schedule 3.10, the Seller has not received any written                notice                of any asserted past or present failure to comply with Applicable                Requirements with respect to the Origination Business. Schedule 3.10                sets                forth a true, correct and complete description of any cure of any                such                failures or initiation of a cure of any such                failure. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | Except                as set forth on Schedule 3.10(b), to Seller’s knowledge, Seller has                complied with all Applicable Law relating to labor and employment                in                connection with, directly related to, or that would affect the Origination                Business, including provisions thereof relating to civil rights,                occupational safety and health, wages, hours, equal opportunity,                collective bargaining, employee benefits and employee benefit plans,                and                the payment of social security and other Taxes. To Seller’s knowledge,                there are no unfair labor practice charges or complaints, minimum                wage or                overtime or equal pay charges or complaints, occupational safety                and                health charges or complaints, wrongful discharge charges or complaints,                harassment charges or complaints, retaliatory charges or complaints,                employee grievances, discrimination claims, claims for additional                compensation, breach of contract, claims or charges relating to employment                or termination of employment, or workers’ compensation claims pending or,                to Seller’s knowledge, threatened against Seller in connection with,                directly related to, or that would affect the Origination Business,                except                in each case for actions which, if adversely determined, would not                have a                Material Adverse Effect on Seller or Buyer. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | To                Seller’s knowledge, there are no outstanding orders or charges against                Seller in connection with, directly related to, or that would affect                the                Origination Business under any occupational health or safety legislation                and, to Seller’s knowledge, none have been threatened. All material                levies, assessments and penalties made against Seller in connection                with,                directly related to, or that would affect the Origination Business                pursuant to all applicable workers compensation or unemployment insurance                legislation as of the date hereof have been paid by Seller and Seller                has                not been reassessed under any such                legislation. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | As                of the Closing Date (or such later date as required by applicable                law or                contract), Seller shall have duly paid or otherwise provided for                all                obligations to individuals who are directors, officers, personnel,                independent contractors, agents, or other representatives of Seller,                including those who become personnel of Buyer, for retirement, severance,                deferred compensation, incentive, stock option, vacation, bonus,                unemployment, partnership and other payments, distributions and benefits                accrued prior to the Closing Date and all contributions (voluntary                or                otherwise) to any payments under all                Plans. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**3.11**
**Defaults**

----

**3.12**
**Consents.**

**3.13**
**Assumed      Broker Agreements**

**3.14**
**Employment      -Related Matters**

----

**3.15**
**Origination      Premises Lease**

**3.16**
**Intellectual      Property**

|  | (a) | Schedule                1 contains a true and complete list of the Intellectual Property                that is                being sold by Seller to Buyer. |
|--|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Except                as disclosed on Schedule 3.16(b), neither Seller, the conduct of                the                Origination Business, nor the Acquired Intellectual Property has                been                alleged to have, and to Seller’s knowledge, has Seller, the conduct of the                Origination Business, or the Acquired Intellectual Property, infringed                upon or misappropriated any intellectual property or other proprietary                information or rights of another Person. There are no pending, and                to                Seller’s knowledge, no threatened claims, actions or proceedings                contesting or challenging the Acquired Intellectual Property, or                Seller’s                use of the Acquired Intellectual Property that is owned by another                Person.                To Seller’s knowledge, no third party including any current or former                personnel or contractor of Seller, is infringing upon, misappropriating,                or otherwise violating Seller’s rights to the Acquired Intellectual                Property. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**3.17**
**Pipeline      Mortgage Loans**

|   | (a) | As                of the Closing, to Seller’s knowledge, each Pipeline Mortgage Loan that is                approved for funding (“Approved Pipeline Mortgage Loan”) and that is                allocated to a particular Investor is or was eligible in all material                respects for sale under an Investor Commitment and complies or complied                with all requirements of such Investor. Except as set forth on Schedule                3.17(a), as of the Closing, to Seller’s knowledge, each Approved Pipeline                Mortgage Loan not allocated to a particular Investor in accordance                with                the foregoing sentence would be otherwise eligible for sale in all                material respects under an Investor Commitment upon allocation to                an                Investor. Except as set forth on Schedule 3.17(a), to Seller’s knowledge,                there exists no fact or circumstance that would entitle the applicable                Insurer or Investor to (i) demand from Seller or Buyer either repurchase                of any Pipeline Mortgage Loan or indemnification for losses or refuse                to                purchase a Pipeline Mortgage Loan, (ii) impose on Seller or Buyer                sanctions, penalties or special requirements in respect of any Pipeline                Mortgage Loan, or (iii) rescind any insurance policy or reduce insurance                benefits in respect of any Pipeline Mortgage Loan which would result                in a                breach of any obligation of Seller or Buyer under any Investor Commitment                or contract with an Investor. Each Pipeline Mortgage Loan complies                in all                material respects with Applicable Requirements for the stage of processing                that has been achieved as of the date of this Agreement or Closing                Date,                as applicable. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | The                origination, purchase and sale practices used by Seller or any other                Person with respect to each Pipeline Mortgage Loan have been in compliance                with Applicable Requirements, and are proper, prudent and customary                in the                mortgage banking business. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | There                has been no fraudulent action on the part of Seller, and to Seller’s                knowledge, there has been no fraudulent action on the part of any                other                Person (including any borrower, appraiser, builder or developer,                credit                reporting agency, settlement agent, realtor, broker or correspondent),                in                each case in connection with the solicitation, origination, processing                and/or taking of registrations or applications for any Pipeline Mortgage                Loan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | No                Investor Commitment provides for any arrangement pursuant to which                the                Seller would bear the risk of any default under or foreclosure on                a                Pipeline Mortgage Loan except insofar as such risk of loss would                be based                upon (i) a breach by Seller of a contractual representation, warranty                or                covenant, (ii) expenses, such as legal fees, in excess of the                reimbursement limits, if any, set forth in the Applicable Requirements,                or                (iii) industry standard exceptions for early defaults and early                payoff. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | Seller                is not now, nor has it been during the past twelve (12) months, subject                to                any material fine, suspension, settlement or other agreement or                administrative agreement or sanction by, or any obligation to indemnify,                HUD, GNMA, VA, FNMA, FHLMC or other Agency, Investor or Insurer,                relating                to the Origination Business. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | No                facts that currently exist with respect to Residential Mortgage Loan                sales                heretofore undertaken by Seller in the Origination Business would                be                reasonably likely to materially and adversely affect the ability                of Buyer                to continue to undertake loan sales to the same Investors in the                future in                accordance with existing practices of the Origination                Business. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (g) | No                current or former officer, manager, director, mortgage loan originator                or                other personnel of Seller in the Origination Business has been indicted,                arraigned or convicted, or currently is (or has been in twelve (12)                months                prior to the date hereof) under investigation for any criminal offense                or                any fraudulent activity related to the origination, sale or servicing                of                any Residential Loans***.*** |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (h) | To                Seller’s knowledge, each Pipeline Mortgage Loan is, as of the Closing                Date, in compliance with all applicable anti-predatory and abusive                lending                laws. As of the Closing Date, the terms and conditions of each Pipeline                Mortgage Loan, including without limitation points, fees, and prepayment                penalty entered into the Seller’s mortgage origination software or                disclosed to the consumer by the Seller, broker or correspondent,                will not                result in a Pipeline Mortgage Loan, when closed or funded, being                classified as (i) a “high cost” loan under the Home Ownership and Equity                Protection Act of 1994 as amended, or (ii) a “high cost,” “threshold,”                “covered,” “predatory,” “abusive,” or similarly defined loan, including                refinance loans, under any other applicable state, federal or local                law                (or a similarly classified loan using different terminology under                a law                imposing heightened regulatory scrutiny or additional legal liability                for                residential mortgage loans having high interest rates, points and/or                fees), or (iii)                a “High Cost Loan” or “Covered Loan” as defined in Appendix E of Standard                & Poor’s Glossary for File Format for LEVELS Version 5.6(b).                As of the Closing Date, no predatory or deceptive lending practices,                including, without limitation, the extension of credit without regard                to                the ability of the borrower to repay and the extension of credit                which has                no apparent benefit to the borrower, were employed in connection                with a                Pipeline Mortgage Loan. Seller has implemented and conducted compliance                procedures to determine if each Pipeline Mortgage Loan would fall                into one                of the categories above and has performed a review of the disclosure                provided to the borrower in accordance with such Applicable Requirements                and the related Mortgage Note in order to determine that such Pipeline                Mortgage Loan does not violate any Applicable                Requirements. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**3.18**
**Solvency.      **

**3.19**
**Absence      of Changes.**

**3.20**
**Financial      Information.**

----

**ARTICLE      IV**

**Representations      and Warranties of Buyer**

**4.1**
**Organization.**

**4.2**
**Authority;      Consents and Approvals.**

|   | (a) | The                execution and delivery of this Agreement by each of Buyer and FCMC                and the                Transaction Document to which it is a party and its consummation                of the                transactions contemplated hereby (inclusive of the sale of the Assets                to                Buyer on the terms and conditions hereof) and thereby, have been                duly and                validly authorized by all requisite corporate                action; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Each                of Buyer and FCMC has the full corporate power and authority to enter                into, deliver and perform their obligations under this Agreement                and any                other Transaction Document to which it is a party; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | This                Agreement has been duly executed and delivered by Buyer and FCMC.                The                Transaction Documents to which Buyer is a party will, by Closing,                have                been duly executed and delivered by it;                and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (d) | Buyer                has full corporate power and authority to close the Pipeline Mortgage                Loans. |
|--|-----|------------------------------------------------------------------------------------------------------------------|

**4.3**
**Binding      Agreement**

----

**4.4**
**No      Commissions to Third Parties.**

**4.5**
**Buyer’s      Due Diligence.**

**4.6**
**Litigation.      **

**4.7**
**Good      Standing.**

**4.8**
**Regulatory      Matters.**

----

**4.9**
**Defaults**

**4.10**
**Consents.**

**4.11**
**Availability      of Funds.**

**ARTICLE      V**

**Conditions      Precedent to the Obligations of Buyer**

**5.1**
**Representations      and Warranties True.**

----

**5.2**
**Performance      of Covenants.**

**5.3**
**Corporate      Proceedings.**

**5.4**
**Lease      for Origination Premises.**

**5.5**
**No      Governmental or Other Proceedings.**

**5.6**
**Delivery      of Documents and Possession.**

|   | (a) | The                Bill of Sale, Assignment and Assumption Agreement, Broker Assignment                and                Assumption Agreement, and any other assignments of leases and contracts                necessary to vest in Buyer all of Seller’s right, title and interest in                and to the Assets, each in form and substance reasonably acceptable                to                Buyer and executed by Seller. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Physical                possession of the tangible Assets. |
|--------|-----|------------------------------------------------------------|

----

|   | (c) | All                other documents Buyer may reasonably request relating to the existence                of                Seller and the authority of Seller to execute and perform under the                provisions of this Agreement. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | UCC                Financing Statement Termination Statements (if any are required to                terminate UCC statements set forth on Schedule 3.4, if any) and any                other                document required in order to terminate any security interests covering                or                encumbering the Assets, including those set forth on Schedule                3.4. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | A                certificate from the Secretary of State of New York regarding the                existence of Seller. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------|

|   | (f) | A                certificate from the Secretary of the Seller, in form and substance                reasonably acceptable to Buyer, (i) certifying that the Board of                Directors                of Seller has duly adopted a resolution, approving this Agreement                and                authorizing an officer to execute and deliver this Agreement and                such                related agreements and such resolution is in full force and effect                and                (ii) attaching a true, correct and complete copy of Seller’s charter and                by-laws. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (g) | Copies                or originals of Seller’s documents associated with the Pipeline Mortgage                Loans. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------|

|   | (h) | A                certificate, in form and substance reasonably satisfactory to Buyer,                signed by an executive officer of Seller, dated the Closing Date,                certifying as to the matters set forth in Sections 5.1 and 5.2 as                of the                Closing Date. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | If                a license to the Leased Premises is requested by Seller, the License                Agreement in the form attached hereto as Exhibit                I,                executed by Seller. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**5.7**
**Required      Consents.**

**5.8**
**Employment      of the Transferred Employees.**

|  | (a) | Richard                W. Payne III and Joseph J. Gorton shall have entered into an employment                agreement with Buyer on or prior to the Closing                Date. |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Subject                to Section 7.13, the individuals listed in Exhibit                D                to                whom Buyer has offered employment shall have resigned from Seller’s                employ, shall have accepted employment with Buyer on or prior to                the                Closing Date and shall have made themselves available for work on                the                Closing Date as employees of Buyer. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**5.9**
**Payment      of Commissions**

**5.10**
**Allocation      Statement**

**5.11**
**Pipeline      Mortgage Loan Adjustment**

**ARTICLE      VI**

**Conditions      Precedent to the Obligations of Seller**

**6.1**
**Representations      and Warranties True.**

**6.2**
**Performance      of Covenants.**

**6.3**
**Corporate      Proceedings.**

**6.4**
**No      Governmental or Other Proceedings.**

----

**6.5**
**Consents      and Approvals.**

**6.6**
**Delivery      of Documents**

|   | (a) | A                certificate, in form and substance reasonably satisfactory to Seller,                signed by an executive officer of Buyer, dated the Closing Date,                certifying as to the matters set forth in Sections 6.1 and 6.2 as                of the                Closing Date. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The                Assignment and Assumption Agreement and Broker Assignment and Assumption                Agreement, executed by Buyer. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | A                certificate from the Secretary of State of New York regarding the                existence of Buyer and other documents Seller may reasonably request                relating to the existence of Seller and the authority of Seller to                execute                and perform under the provisions of this Agreement. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | A                certificate from the Secretary of the Buyer, in form and substance                reasonably acceptable to Seller, (i) certifying that the Board of                Directors of Buyer has duly adopted a resolution, approving this                Agreement                and authorizing an officer to execute and deliver this Agreement                and such                related agreements and such resolution is in full force and effect                and                (ii) attaching a true, correct and complete copy of Seller’s charter and                by-laws. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | Lease                assignment for the Origination Premises Lease in the form attached                hereto                as Exhibit                F                executed by Buyer and Lessor. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | If                a license to the Leased Premises is requested by Seller, the License                Agreement in the form attached hereto as Exhibit                I,                executed by Buyer. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**6.7**
**Pipeline      Mortgage Loan Adjustment**

----

**ARTICLE      VII**

**Certain      General Covenants**

**7.1**
**Pursuit      of Approvals; Cooperation**

|   | (a) | Promptly                following the execution and delivery hereof, Seller and Buyer shall                file                and use their commercially reasonable efforts to obtain all Seller                Required Consents and Buyer Required Consents and other consents,                approvals, permits, authorizations, notices, and registrations                (collectively, “Filings and Consents”) necessary to consummate this                transaction or otherwise required by any applicable law, regulation                or                rule in connection with the transactions contemplated herein, including                compliance with securities laws or regulations. Each Party shall                cooperate                and consult with each other with respect to the making of all Filings                and                obtaining all Consents and each Party will keep the others apprised                of the                status of matters relating thereto. To the extent permitted by law,                the                Seller and Buyer shall promptly furnish each other with copies of                written                communications received from or delivered by any of them to any                Governmental Authority, Agency, Investor or other third party in                respect                of the transactions contemplated hereby.                If, in order to properly prepare documents referred to in this Section,                it                is necessary that either Seller or Buyer be furnished with additional                information relating to the Origination Business, the Acquired Assets                or                Assumed Liabilities and such information is in the possession of                a Party                (subject, in each case, to such Party's then existing document retention                policy) and may legally be provided to the other Party, such Party                agrees                to use its best efforts to furnish such information in a timely manner                to                such other Party, at the cost and expense of the Party requesting                and                being furnished such information.  |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Buyer                has applied for approval as a fully delegated correspondent of IndyMac                Bank and Credit Suisse. Notwithstanding the foregoing, each of Seller                and                Buyer acknowledges and agrees that the Closing will not be delayed                due to                Buyer not having received approval as a fully delegated correspondent                of                either IndyMac Bank or Credit Suisse or both. Seller shall provide                such                information as reasonably required or requested and shall reasonably                cooperate with respect to such efforts by                Buyer. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Buyer                and Seller will reasonably cooperate in (i) drafting and finalizing                the                form and substance of notifications to be sent to brokers and the                applicants, registrants for or mortgagors of any of the Pipeline                Mortgage                Loans of information relating to the transactions contemplated by                this                Agreement and (ii) delivering such notifications, it being agreed                that no                notifications will be sent to any such parties unless the notification                is                in a form that has been mutually agreed upon by Buyer and                Seller. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**7.2**
**Activities      Pending Closing.**

----

**7.3**
**Certain      Notifications.**

**7.4**
**No      Inconsistent Actions. **

**7.5**
**Commercially      Reasonable Efforts.**

**7.6**
**Exclusivity.**

----

**7.7**
**Expenses      and Taxes.**

|  | (a) | Except                as otherwise specifically provided in 7.12 relating to Transitional                Services, Seller and Buyer shall each bear its own respective expenses                incurred in connection with preparation, execution and performance                of this                Agreement and the transactions contemplated thereby, including all                fees                and expenses of agents, representatives, counsel and                accountants. |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (b) | Seller                    shall be responsible for paying any and all transfer, conveyance,                    recording, consent, use, stamp, documentary stamp, filing and                    similar                    Taxes or fees arising from the sale of the Assets pursuant to                    this                    Agreement; provided, however, each of Buyer and Seller shall                    be                    responsible for paying one-half of any and all sales taxes, if                    any,                    arising from the sale of the Furniture, Fixtures and Equipment                    and other                    Tangible Assets pursuant to this Agreement. In the event that                    a Party pays                    the entire amount of any such sales taxes (the “Paying Party”), the other                    Party shall, promptly (and in any event within 5 business days                    thereafter)                    after receipt of an invoice from the Paying Party specifying                    that it has                    paid such sales taxes (including a description in reasonable                    detail of the                    amount paid), reimburse the Paying Party for the non-paying Party’s share                    of the sales taxes. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**7.8**
**Allocation      Statement.**

**7.9**
**Post      Closing Tax Information.**

**7.10**
**Books      and Records.**

----

**7.11**
**Further      Assurances; Post-Closing Cooperation**

|  | (a) | Each                    of the parties shall execute such documents and other papers                    and take such                    further actions as may be reasonably required to carry out the                    provisions                    of and the transactions contemplated by this                    Agreement. |
|--|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (b) | After                    the Closing Date, Seller, on the one hand, and Buyer, on the                    other hand,                    will use their reasonable efforts to provide to the other party                    (the                    “requesting party”) such records and information and to make available to                    the requesting party such personnel, in each case as may be reasonably                    requested in writing by the requesting party, for the purpose                    of                    reasonably assisting the requesting party in responding to governmental                    or                    professional inquiries, making required governmental filings                    or defending                    or prosecuting any action or other proceeding relating to or                    arising out                    of the Origination Business, the Assets or the Assumed Liabilities,                    involving any Person other than the party providing such information                    or                    records or making available such personnel (the “providing party”);                    provided, however, that (i) the requesting party shall promptly                    reimburse                    the providing party for any reasonable out-of-pocket expenses                    incurred by                    the providing party in connection with the provision of any such                    assistance (including disbursements), but the requesting party                    shall not                    be responsible to reimburse the providing party for such party’s time                    spent in such cooperation or the salaries or costs of fringe                    benefits or                    other similar expenses paid by the providing party to its Affiliates                    or                    related entities or their respective officers, directors, partners,                    principals, personnel and agents while such Persons are providing                    any such                    assistance, and (ii) no providing party shall be required to                    (A) provide                    information, records or personnel under circumstances which the                    providing                    party believes in its sole reasonable determination may expose                    it to                    liability to any Person or may prejudice any commercial, legal                    or other                    interest of the providing party or (B) take any action that,                    in the                    providing party’s sole determination, unreasonably interferes with its                    business. Notwithstanding the foregoing, Seller agrees that,                    promptly                    after it receives a request from Buyer for the same, it will                    provide to                    Buyer financial information and data, including without limitation,                    balance sheets, statements of operations and cash flow (accompanied                    by a                    certification of an officer of Seller that such information is                    true and                    correct), with respect to the Origination Business as reasonably                    requested                    by Buyer, based on the reasonable advice of its counsel and auditors                    that                    the same is necessary in order for Buyer to make required public                    disclosure. Buyer agrees that it will promptly reimburse Seller                    for any                    reasonable out-of-pocket expenses incurred by Seller in connection                    with                    the provision of any such information (including disbursements).                    In the                    event that such information must be audited for purposes of such                    public                    disclosure, Seller agrees that it will either engage its auditors                    (at                    Buyer’s cost and expense) to perform the audit or it will allow Buyer’s                    auditors with the access and information necessary to perform                    the audit. |
|--|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**7.12**
**Transitional      Services.**

----

|  | (a) | Seller                    shall provide to Buyer, at no additional cost, the services set                    forth on                    Schedule 7.12. |
|--|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (b) | For                six (6) months after the Closing, Seller and Buyer mutually agree                to                provide all reasonable assistance to the other, on terms and conditions                mutually agreed upon by the Buyer and Seller (which agreement shall                not be                unreasonably withheld), in connection with any transition issues                arising                in connection with the transfer of the Assets to Buyer and Buyer’s use of                the Assets in its businesses. Without limiting the generality of                the                foregoing, Buyer shall provide reasonable access to Seller to the                Origination Premises in order to remove property and Documents not                related                to the Origination Business and Documents for mortgage loans that                closed                prior to the Closing Date. |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (c) | For                    three (3) months after the                    Closing: |
|--|-----|-------------------------------------------------------------------------------|

|  | (i) | Buyer                    will, at Seller’s expense, forward (within 2 business days of Buyer’s                    receipt of the same) to Seller all mail and other correspondence                    that is                    received by Buyer and that is addressed to Seller. Seller shall,                    within 2                    business days after its receipt of any such mail or correspondence,                    forward to Buyer any correspondence that belongs to Seller or                    otherwise                    relates to the Pipeline Mortgage                    Loans. |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (ii) | Buyer                    will, at Seller’s expense, forward (within 5 business days of Buyer’s                    receipt of the same) to Seller all mail and other correspondence                    that is                    received by Buyer and that belongs to Seller and does not relate                    to the                    Pipeline Mortgage Loans. |
|--|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (d) | After                    the three-month period described in Section 7.12(b), Buyer and                    Seller will                    promptly forward to the other mail or correspondence addressed                    to or                    otherwise belonging to the other that it                    receives. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**7.13**

|  | (a) | Prior                    to the Closing Date, Buyer will offer employment to all of the                    Transferred                    Employees, subject to Buyer’s satisfaction with the results of                    pre-employment procedures (including background checks), with                    such                    employment commencing on the Closing Date. Except as otherwise                    expressly                    agreed in writing by Buyer, Buyer’s employment of any such personnel shall                    be on an “at-will” basis and shall be on such other terms and conditions                    of employment as Buyer shall offer in its sole discretion. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (b) | All                    Transferred Employees shall be eligible to participate without                    a waiting                    period in benefit plans and other fringe benefits which are offered                    by                    Buyer to its employees in comparable positions. Where applicable,                    Buyer                    shall credit such Transferred Employees for their length of service                    with                    Seller and its Affiliates for all purposes under each employee                    benefit and                    fringe benefit plan to be provided by Buyer to such Transferred                    Employees.                    For purposes of this Section 7.13, “employee benefit plans and other                    fringe benefits” means health insurance benefits (medical and dental) and                    401(k) eligibility. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  | (c) | Seller                    shall be solely responsible for any and all Liabilities accruing                    up until                    the Closing in respect of personnel of the Origination Business,                    including                    the Transferred Employees, and their beneficiaries and dependents,                    relating to or arising out of or in connection with (i) the employment                    or                    resignation or termination of employment of any personnel of                    the                    Origination Business by Seller or such employees, as applicable                    (including                    in connection with the consummation of the transactions contemplated                    by                    this Agreement), (ii) the participation in or accrual of benefits                    or                    compensation under, or the failure to participate in or to accrue                    compensation under, any employee benefit plans, programs, policies                    and                    arrangements of Seller and its Affiliates (the “Plans”) prior to and as of                    the Closing Date, and (iii) accrued but unpaid salaries, wages,                    bonuses,                    incentive compensation, commissions, vacation or sick pay or                    other                    compensation or payroll items, if any (including deferred compensation)                    as                    of the Closing. Seller shall be solely responsible for meeting                    and Buyer                    shall have no liability in respect of any obligations under Part                    6 of                    Subtitle B of Title I of ERISA and Section 4980B of the Code                    in respect of                    each of Seller’s personnel who incur a “qualifying event” before the                    Closing Date or as a result of the transactions contemplated                    hereby. Buyer                    shall not at any time assume any Liability for the benefits of                    any active                    or any terminated, vested or retired participants in any Plans                    of Seller                    and its Affiliates. Seller shall not at any time assume any Liability                    for                    the benefits of any active or any terminated, vested or retired                    participants in any Plans of Buyer and its Affiliates. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (d) | Buyer                    shall have no obligation to pay any retirement, severance, deferred                    compensation, incentive, stock option, vacation, bonus, unemployment,                    partnership or other payments, distributions or benefits that                    the                    Transferred Employees or any other person may have accrued prior                    to the                    Closing Date as a director, officer, personnel, independent contractor,                    agent, or other representative of Seller or                    otherwise. |
|--|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (e) | Nothing                    in this Section 7.13, expressed or implied, shall confer upon                    any                    director, officer, personnel or former director, officer or personnel                    of                    Seller or its Affiliates (including the Transferred Employees                    and other                    personnel of the Origination Business) any rights or remedies                    (including                    any right to employment or continued employment for any specified                    period)                    of any nature or kind whatsoever, under or by reason of this                    Section 7.13.                    It is expressly agreed that the provisions of this Section 7.13                    are not                    intended to be for the benefit of or otherwise be enforceable                    by, any                    third party, including any Transferred Employees or other personnel                    of the                    Origination Business. |
|--|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (f) | As                    of the Closing for the benefit of Buyer only, Seller shall waive                    any and                    all contractual, common law or other restrictive covenants enforceable                    by                    Seller or its Affiliates against the Transferred Employees in                    respect of                    their conduct in the service of Buyer after their termination                    of                    employment with Seller to the extent any such restrictions are                    more                    restrictive than those applicable to Buyer hereunder; provided,                    however,                    that the foregoing shall not affect any contractual, common law                    or other                    restrictive covenants enforceable by Seller or its Affiliates                    against the                    Transferred Employees to any other                    extent. |
|--|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  | (g) | Seller                    shall retain the responsibility for payment of all medical, dental,                    health                    and disability claims, including workers’ compensation claims, incurred by                    any employee of the Origination Business, including each Transferred                    Employees, prior to the Closing Date (whether or not filed on                    or after the                    Closing Date) and Buyer shall not assume any Liability with respect                    to                    such claims. Buyer agrees that any pre-existing condition clause                    in any of                    Buyer’s health or disability insurance policies shall not be applicable                    to                    Transferred Employees, provided such Transferred Employee is                    enrolled in                    the health and disability Plans of the Seller and its Affiliates                    as of the                    Closing and that such pre-existing condition clause would not                    have limited                    the Transferred Employee under the applicable Plans of Seller.                    At or after                    the Closing, all medical, dental, health and disability claims,                    including                    workers’ compensation claims, incurred by Transferred Employees shall                    be                    determined under Buyer’s benefit plans. |
|--|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | (h) | Buyer                shall be solely responsible for any and all Liabilities accruing                from and                after the Closing Date in respect of the Transferred Employees, and                their                beneficiaries and dependents, to the extent relating to or arising                out of                or in connection with (i) the employment or resignation or termination                of                employment of any Transferred Employees by Buyer or such employees,                as                applicable (including in connection with the consummation of the                transactions contemplated by this Agreement) from and after the Closing                Date, (ii) the participation in or accrual of benefits or compensation                under, or the failure to participate in or to accrue compensation                under,                any employee benefit plans, programs, policies and arrangements of                Buyer                and its Affiliates from and after the Closing Date, and (iii) accrued                but                unpaid salaries, wages, bonuses, incentive compensation, commissions,                vacation or sick pay or other compensation or payroll items, if any                (including deferred compensation) from and after the Closing. |
|--|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**7.14**
**No      Solicitation of Pipeline Mortgage Loans.**

**7.15**
**Post-Closing      Operations.**

----

**ARTICLE      VIII**

**Indemnity      and Recourse; Other Remedies**

**8.1**
**Seller's      Indemnity.**

|   | (a) | the                inaccuracy of any representation or warranty made by Seller in this                Agreement; |
|--------|-----|------------------------------------------------------------------------------------------------------------------|

|   | (b) | any                failure of Seller to have complied with any and all Applicable                Requirements with respect to the Origination Business or the Pipeline                Mortgage Loans; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | the                failure by Seller to perform or observe any term, covenant or agreement                set forth in this Agreement; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | Excluded                Liabilities; |
|--------|-----|--------------------------------------|

|   | (e) | the                assertion against any Buyer Indemnified Party or the Assets of any                Claims,                other than Claims in respect of the Assumed Liabilities, based upon                the                rights, acts or omissions of any creditor, officers, director, employee                or                agent of Seller or any of its Affiliates prior to the Closing Date,                including in connection with Seller’s conduct of the Origination Business                and ownership of the Assets, regardless of when such assertion is                made; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | the                assertion against any Buyer Indemnified Party or the Assets of any                Claims                arising out of the conduct of the Origination Business prior to 12:01                a.m.                on the Closing Date, other than the Assumed Liabilities, regardless                of                when such assertion is made; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (g) | any                Claim by Milestone Advisors, LLC or any other broker or agent who                might be                entitled to a fee or commission in connection with the transactions                contemplated hereby; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (h) | any                non-compliance by Seller with any fraudulent conveyance laws;                and |
|--------|-----|-----------------------------------------------------------------------------------------------------|

|   | (i) | the                employee selection and employment offer process in connection with                Buyer’s                offer of employment to Transferred Employees (including any claim                of                discrimination or other illegality in such selection and offer process),                to the extent any such Loss arises out of Seller’s wrongful act or                omission. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**8.2**
**Buyer's      Indemnity.**

|   | (a) | the                inaccuracy of any representation or warranty made by Buyer in this                Agreement; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (b) | the                failure by Buyer to perform or observe any term, covenant or agreement                set                forth in this Agreement; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | the                Assumed Liabilities; |
|--------|-----|-----------------------------------------|

|   | (d) | the                assertion against any Seller Indemnified Party of any Claims arising                out                of Buyer’s conduct and operation of its business from and after the                Closing Date to the extent relating to the Assumed Liabilities and                any and                all Liabilities accruing from and after the Closing Date in respect                of                Transferred Employees; and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | the                employee selection and employment offer process in connection with                Buyer’s                offer of employment to Transferred Employees (including any claim                of                discrimination or other illegality in such selection and offer process),                to the extent any such Loss arises out of Buyer’s wrongful act or                omission. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**8.3**
**Indemnity      Procedures.**

|   | (a) | If                any legal proceedings, claims or demands are instituted or asserted                by any                third party in respect of which any of the Buyer Indemnified Parties                or                Seller Indemnified Parties may seek indemnification from any party                hereto                pursuant to the provisions hereof (such legal proceedings, claims                or                demands being referred to individually as a “Claim” and collectively as                the “Claims”), the indemnified party, after receipt by it of written                notice of the commencement or assertion of such Claim, shall promptly                cause a written notice of such Claim to be made to the indemnifying                party;                provided, that failure to give such notice shall not relieve the                indemnifying party of its indemnification obligations hereunder,                unless                such failure to provide notice shall have materially prejudiced the                rights                of the indemnifying party. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | Subject                to the next sentence, the indemnifying party shall have the right,                at its                option and expense, to assume the defense, settlement or other disposition                (collectively “Defense”) of any Claim, provided that within twenty (20)                days of receiving the notice with respect to such Claim pursuant                to                Section 8.3(a) hereof (or within such shorter period of time as an                answer                or other responsive action may be required), the indemnifying party,                by                notice delivered to the indemnified party, elects to assume such                defense                and the indemnifying party acknowledges its obligation hereunder                to                indemnify the indemnified party with respect to such Claim.                Notwithstanding the foregoing, the indemnifying party shall not have                the                right to assume the Defense of any Claim if: (i) representation of                both                the indemnified and indemnifying parties by the same counsel would                be                prohibited by rules or regulations governing the professional conduct                of                such counsel due to actual or potential differing interests between                them;                or (ii) the indemnified party determines in good faith (A) that there                is a                significant possibility that such Claim may materially and adversely                affect it or its Affiliates other than as a result of monetary damages,                (B) that, in the case of Buyer, there is a significant possibility                that                such Claim may materially and adversely affect it or its Affiliates’                ability to conduct its loan origination business, or (C) on the advice                of                counsel, that it may have available to it one or more defenses or                counterclaims that are inconsistent with one or more of those that                may be                available to the indemnifying party in respect of such                Claim. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | If                the indemnifying party has assumed the Defense of a Claim in accordance                with Section 8.3(b) hereof, then the following shall                apply: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the                indemnified party shall have the right to participate and assist                in, but                not control, the Defense of such Claim and to employ its own counsel                in                connection therewith; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the                indemnifying party shall not be liable to the indemnified party for                the                fees or expenses of the indemnified party's counsel or other expenses                incurred by the indemnified party in connection with participating                in the                Defense of such Claim, except that the indemnifying party shall be                liable                for any such fees and expenses incurred prior to the time the indemnifying                party assumed such Defense; |
|--------|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | counsel                used by the indemnifying party in connection with the Defense of                such                Claim shall be reasonably satisfactory to the indemnified                party; |
|--------|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (iv) | the                indemnifying party shall have no liability with respect to any compromise                or settlement of such Claim effected without its consent, which consent                shall not be unreasonably withheld or delayed;                and |
|--------|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (v) | the                indemnifying party shall not effect any compromise or settlement                of such                Claim without the consent of the indemnified party, which consent                shall                not be unreasonably withheld or delayed, unless such compromise or                settlement includes a full release of the indemnified party and does                not                result in injury to reputation of the indemnified party or any of                its                Affiliates. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | If                the indemnifying party does not assume the Defense of a Claim (whether                because it elects not to or has no right to), the following shall                apply: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the                indemnified party shall have the right, at the sole cost, risk and                expense                of the indemnifying party, to assume the Defense of a Claim, and                employ                its own counsel in connection therewith, in such manner and on such                terms                as the indemnified party reasonably deems appropriate, including                settling                the Claim with the consent of the indemnifying party, which consent                shall                not be unreasonably withheld or delayed, unless such compromise or                settlement includes a full release of the indemnifying party and                does not                result in injury to reputation of the indemnifying party or any of                its                Affiliates. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | if                the indemnified party defends the Claim in accordance with this Section                8.3(d), the indemnifying party shall cooperate with the indemnified                party                and its counsel, at the indemnifying party’s sole cost, risk and expense,                in all reasonable respects, in connection with such defense. |
|--------|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | Notwithstanding                any other provision hereof, an indemnifying party shall not be liable                under this Article VIII for any Buyer’s Losses or Seller’s Losses                sustained by the indemnified party pursuant to Section 8.1(a) or                8.2(a)                hereof, as applicable, unless and until the aggregate amount of all                such                Buyer’s Losses or Seller’s Losses sustained by the indemnified party, as                applicable, shall exceed $50,000, whereupon the indemnifying party’s                obligation under this Article VIII shall apply to the full amount                of such                Buyer’s Losses or Seller’s Losses, as                applicable. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | The                parties agree to cooperate to the fullest extent reasonably practicable                in                connection with any Claim in respect of which indemnification is                sought                under this Agreement. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (g) | After                the Closing Date, the rights set forth in this Article VIII shall                be each                party's sole and exclusive remedies against the other party hereto                for                breaches of representations or covenants contained in this                Agreement. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (h) | The                amount of indemnification to which either party shall be entitled                under                this Article VIII shall be reduced by the amount of any insurance                proceeds                actually received by the Indemnified Party or other cash payments                directly                attributable to the Claim in question, it being understood and agreed                that                no Indemnified Party shall be obligated to obtain or maintain insurance                policies for any specific level of coverage (or any coverage at all)                or                seek recovery under any such insurance                policies. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (i) | Except                as otherwise provided in this Article VIII, all indemnification shall                be                paid for by the indemnifying party on a dollar for dollar basis without                regard to or application of any                multiple. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (j) | The                maximum cumulative liability of Seller for Losses and other claims                solely                related to or arising out of Section 8.1(a) shall be limited to the                Purchase Price. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (k) | The                maximum cumulative liability of Buyer for all Losses and other claims                solely related to or arising out of Section 8.2(a) shall be the Purchase                Price. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (l) | The                limitations set forth in Sections 8.3(j) and 8.3(k) shall not apply                to                Buyer’s Losses or Seller’s Losses arising from the fraud of Seller or                Buyer, as the case may be, under this                Agreement. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**8.4**
**Guaranty.**

|   | (a) | NYMT                hereby absolutely and unconditionally guarantees Seller’s duties,                obligations and responsibilities under this Article VIII (taking                into                account any limitations on such duties, obligations and responsibilities                under this Article VIII). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | FCMC                hereby absolutely and unconditionally guarantees Buyer’s duties,                obligations and responsibilities under this Article VIII (taking                into                account any limitations on such duties, obligations and responsibilities                under this Article VIII). |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**ARTICLE      IX**

**Restrictions      on Solicitation; Confidentiality**

**9.1**
**Restriction      on Solicitation of Employees.**

|   | (a) | Seller                agrees that, for a period of twenty four (24) months from the Closing                Date, neither it nor any Affiliate which at the time continues to                be an                Affiliate will, directly or indirectly, induce or attempt to induce                any                Transferred Employee or any employee of Buyer or any other Person                that                Seller or its Affiliates knows is an Affiliate of Buyer (each, a                “Restricted Employee”) to leave the employment of or engagement by Buyer                or such Affiliate. Seller agrees that, for a period of twenty four                (24)                months from the Closing Date, neither it nor any Affiliate which                at the                time continues to be an Affiliate will hire any Restricted Employee                without the consent of Buyer. Notwithstanding the foregoing, this                Section                shall not prohibit Seller or its Affiliates from (i) making general                solicitations for employees through newspaper or other media                advertisements directed to the public, for businesses other than                wholesale                mortgage loan origination (“Seller Nondirected Solicitation”) or (ii)                hiring Restricted Employees after such Restricted Employees are no                longer                employed by Buyer or its Affiliates, if Seller or its Affiliates                did not                directly or indirectly have any communications (excluding Seller                Nondirected Solicitation) prior to such termination regarding the                prospect                of employment with Seller or its                Affiliates. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  | (b) | Buyer                agrees that, for a period of twenty four (24) months from the Closing                Date, neither it nor any Affiliate which at the time continues to                be an                Affiliate will, directly or indirectly, induce or attempt to induce                any                employee of Seller as of the Closing Date (a “Prohibited Employee”), to                leave the employment of or engagement by Seller. Buyer agrees that,                for a                period of twenty four (24) months from the Closing Date, neither                Buyer nor                any Affiliate which at the time continues to be an Affiliate will                hire any                Prohibited Employee without the consent of Seller. Notwithstanding                the                foregoing, this Section shall not prohibit Buyer or its Affiliates                from                (i) making general solicitations for employees through newspaper                or other                media advertisements directed to the public (“Buyer Nondirected                Solicitation”) or (ii) hiring Prohibited Employees after such Prohibited                Employees are no longer employed by Seller, if Buyer or its Affiliates                did                not directly or indirectly have any communications (excluding Buyer                Nondirected Solicitation) prior to such termination regarding the                prospect                of employment with Buyer or its                Affiliates. |
|--|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**9.2**
**Confidentiality.**

|   | (a) | The                terms of the Confidentiality Agreement, dated December 5, 2006, between                Milestone Advisors, LLC (on behalf of Seller) and Buyer (the                “Confidentiality Agreement”) shall continue in full force and effect until                the Closing, at which time Buyer’s confidentiality obligations thereunder                shall terminate only in respect of the portion of Evaluation Materials                (as                defined in the Confidentiality Agreement) relating to the Assets                and the                Origination Business that is the subject of the transactions contemplated                by this Agreement and the Transaction Documents. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Following                the Closing Date, Seller shall and shall cause its Affiliates to,                keep                confidential the terms of this transaction and all information concerning                the Origination Business known to it and neither Seller nor any of                its                Affiliates shall use any such information for its own business, except                that Seller may use information concerning the Origination Business                and                this transaction to the extent reasonably necessary to arrange and                dispose                of any assets and liabilities not purchased or assumed by Buyer.                Further,                nothing contained herein shall be deemed to restrict the ability                of either                party to disclose or report information relating to the Origination                Business pursuant to applicable banking, securities, insurance or                other                laws or regulations. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**ARTICLE      X**

**Termination**

**10.1**
**Termination.**

|   | (a) | by                mutual written consent of Seller and                Buyer, |
|--------|-----|------------------------------------------------------------------------------|

|   | (b) | by                Buyer or Seller if the Closing has not occurred on or prior to March                1,                2007 and if the failure to close on or before such date, is not due                to any                wrongful act or omission by the party seeking                termination; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | by                Seller, if Buyer shall have made any material misrepresentation or                breached any material covenant, warranty or obligation under this                Agreement or if any of the conditions precedent set forth in Article                VI                hereof have not been satisfied within ten (10) days of written notice                thereof or waived by Seller in writing at or prior to the Closing                Date;                or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | by                Buyer, if Seller shall have made any material misrepresentation or                breached any material covenant, warranty or obligation under this                Agreement or if any of the conditions precedent set forth in Article                V                hereof have not been satisfied within ten (10) days of written notice                thereof or waived by Buyer in writing at or prior to the Closing                Date. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**10.2**
**Effect      of Termination.**

**ARTICLE      XI**

**Miscellaneous**

**11.1**
**Survival.**

----

**11.2**
**Treatment      of Payments.**

**11.3**
**Amendment.**

**11.4**
**Counterparts.**

**11.5**
**Entire      Agreement.**

**11.6**
**Rights      Cumulative; Waivers.**

**11.7**
**Section      Headings.**

----

**11.8**
**Notices.**

**11.9**
**Governing      Law**

----

**11.10**
**Successors      and Assigns.**

**11.11**
**Further      Agreements.**

**11.12**
**Publicity.**

**11.13**
**Severability.**

----

**11.14**
**Equitable      Relief**

|   | (a) | Seller                agrees that the provisions and restrictions contained in Article                IX are                necessary to protect the legitimate continuing interests of Buyer                in                acquiring the Assets, that the provisions of Article IX have been                specifically bargained for, that any violation or breach of such                provisions and restrictions will result in irreparable injury to                Buyer for                which a remedy at law would be inadequate and that, in addition to                any                relief at law which may be available to Buyer for such violation                or breach                and regardless of any other provision contained in this Agreement,                Buyer                will be entitled to injunctive and other equitable relief restraining                such                violation or breach (without any requirement that Buyer provide any                bond                or other security). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Buyer                agrees that the provisions and restrictions contained in Article                IX are                necessary to protect the legitimate continuing interests of Seller                in its                businesses, that the provisions of Article IX have been specifically                bargained for, that any violation or breach of such provisions and                restrictions will result in irreparable injury to Seller for which                a                remedy at law would be inadequate and that, in addition to any relief                at                law which may be available to Seller for such violation or breach                and                regardless of any other provision contained in this Agreement, Seller                will                be entitled to injunctive and other equitable relief restraining                such                violation or breach (without any requirement that Seller provide                any bond                or other security). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**11.15**
**Waivers.**

**11.16**
**Exhibits      and Schedules.**

**11.17**
**General      Interpretive Principles.**

|   | (a) | the                terms defined in this Agreement have the meaning assigned to them                in this                Agreement and include the plural as well as the singular and the                use of                any gender herein shall be deemed to include the other                gender; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | accounting                terms not otherwise defined herein have the meanings assigned to                them in                accordance with generally accepted accounting                principles; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (c) | references                herein to “Articles”, “Sections”, “Subsections”, “Paragraphs” and other                subdivisions without reference, to a document are to designated Articles,                Sections, Subsections, Paragraphs and other subdivisions of this                Agreement; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | a                reference to a Subsection without further reference to a Section                is a                reference to such Subsection as contained in the same Section in                which the                reference appears and this rule shall also apply to Paragraphs and                other                subdivisions; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | the                words “herein”, “hereof”, “hereunder” and other words of similar import                refer to this Agreement as a whole and not to any particular provision;                and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | The                words “including”, “include” and “includes” are not exclusive and shall be                deemed to be followed by the words “without limitation” unless the context                clearly prohibits that                construction. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (g) | The                word “or” shall be construed to mean “and/or” unless the context clearly                prohibits that construction. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

**11.18**
**      Reproduction of Documents.**

**11.19**

----

**Limitation      on Damages**
**.**

----

|         |                                                                           |                                     |
|--------------|--------------------------------------------------------------------------------|------------------------------------------|
|         | SELLER:                 The                New York Mortgage Company, LLC |
|    |                                                                      |                                |
|              | By:                                                                            |  /s/                Steven R. Mumma |
|         | Name:                Steven R. Mumma                                           |
|         | Title:                Chief Executive Officer                                  |

|         |                                                                          |                                   |
|--------------|-------------------------------------------------------------------------------|----------------------------------------|
|         | NYMT:                 The                New York Mortgage Company, Inc. |
|    |                                                                     |                              |
|              | By:                                                                           |  /s/                David A. Akre |
|         | Name:                David A. Akre                                            |
|         | Title:                Co-Chief Executive Officer                              |
|         |                                                             |                                      |
|--------------|------------------------------------------------------------------|-------------------------------------------|
|         | BUYER:                 Tribeca                Lending Corp. |
|    |                                                        |                                 |
|              | By:                                                              |  /s/                A. Gordon Jardin |
|         | Name:               A.              Gordon Jardin           |
|         | Title: Chief Executive              Officer                      |

|         |                                                                             |                                      |
|--------------|----------------------------------------------------------------------------------|-------------------------------------------|
|         | FCMC:                 Franklin                Credit Management Corporation |
|    |                                                                        |                                 |
|              | By:                                                                              |  /s/                A. Gordon Jardin |
|         | Name:               A.              Gordon Jardin                           |
|         | Title: Chief Executive              Officer                                      |

----

----

----

**Schedule      1**

**Acquired      Intellectual Property**

----

**Schedule      3.4**

**Liens**

----

**Schedule      3.10**

**Compliance      with Applicable Requirements**

----

**Schedule      3.10(b)**

**Compliance      with Applicable Laws**

----

**Schedule      3.12**

**Seller      Required Consents**

----

**Schedule      3.16**

**Intellectual      Property Infringement**

----

**Schedule      3.17(a)**

**Pipeline      Mortgage Loans**

----

**Schedule      4.10**

**Buyer      Required Consents**

----

**Schedule      7.12**

**Post-Closing      Services**

----