**Exhibit 10.125**

 

**EXECUTION COPY**

 

**FIRST AMENDMENT**

 

FIRST AMENDMENT,dated as of May 11, 2005 (this “Amendment”), to the CREDIT AGREEMENT,dated as of November 19, 2004, among Countrywide Home Loans, Inc. (“CHL”),Countrywide Financial Corporation (“CFC”), the Lenders parties thereto(the “Lenders”), Commerzbank AG, New York and Grand Cayman Branches andSociete Generale, as Documentation Agents (in such capacity, the “DocumentationAgents”), BNP Paribas, as Syndication Agent (in such capacity, the “SyndicationAgent”), Barclays Bank PLC, as administrative agent (in such capacity, the “AdministrativeAgent”), and Royal Bank of Canada, as Managing Administrative Agent (insuch capacity, the “Managing Administrative Agent”).

 

WITNESSETH:

 

WHEREAS, CFC, CHL,the Lenders, the Documentation Agents, the Syndication Agent, theAdministrative Agent, and the Managing Administrative Agent are parties to theCredit Agreement, dated as of November 19, 2004 (as amended or supplemented,the “Credit Agreement”);

 

WHEREAS, CFC andCHL have requested that the Lenders agree to make certain amendments relatingto the Credit Agreement as set forth herein; and

 

WHEREAS, theLenders are willing to agree to such amendments, in each case subject to theterms and conditions set forth herein.

 

NOW, THEREFORE, inconsideration of the foregoing and for other good and valuable consideration,CFC, CHL, the Lenders, the Documentation Agents, the Syndication Agent, theAdministrative Agent, and the Managing Administrative Agent hereby agree asfollows:

 

# 1.             DefinedTerms. Terms defined in the Credit Agreement and used herein shall have themeanings given to them in the Credit Agreement.

 

# 2.             Amendmentto Section 6.06 of the Credit Agreement. Section 6.06 of the CreditAgreement is hereby amended by deleting the parenthetical “(other than, in thecase of CFC, CHL)” and inserting in lieu thereof “(other than, in the case ofCFC, CHL and Treasury Bank, N.A.)”.

 

# 3.             EffectiveDate. This Amendment shall be effective on and as of the day andyear first above written (the “Effective Date”) subject to the delivery to the ManagingAdministrative Agent of the following:

 

## (a)           A copy of this Amendment, duly executed by the partieshereto.

 

## (b)           Such corporate resolutions, incumbency certificatesand other authorizations from CFC and CHL as the Managing Administrative Agentmay reasonably request.

 

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## (c)           Evidence satisfactory to the Agents that all fees andexpenses payable to the Agents and the Lenders prior to or on the EffectiveDate have been paid in full.

 

# 4.             Counterparts.This Amendment may be executed in any number of counterparts, each of whichwhen so executed shall be deemed to be an original and all of which when takentogether shall constitute one and the same agreement.

 

# 5.             Representationsand Warranties. Each of CFC and CHL hereby represents and warrants to theLenders and the Managing Administrative Agent as follows:

 

## (a)           Each of CFC and CHL has the corporate power and authorityand the legal right to execute, deliver and perform this Amendment and hastaken all necessary corporate action to authorize the execution, delivery andperformance of this Amendment. This Amendment has been duly executed anddelivered on behalf of CFC and CHL and constitutes the legal, valid and bindingobligation of CFC and CHL enforceable against each such Person in accordancewith its terms.

 

## (b)           At and as of the date of execution hereof and bothprior to and after giving effect to this Amendment: (1) the representations andwarranties of CFC and CHL contained in the Credit Agreement are accurate andcomplete in all respects, (2) there has not occurred any Default or Event ofDefault and (3) there has not occurred any material adverse change in thebusiness, operations, assets or financial or other condition of CFC, CHL ortheir consolidated subsidiaries taken as a whole since December 31, 2004.

 

## (c)           Thefinancial statements of CFC, dated December 31, 2004, copies of which haveheretofore been furnished to the Managing Administrative Agent and each Lender, are complete and correct andpresent fairly in accordance with GAAP the consolidated and consolidatingfinancial condition of CFC and its consolidated subsidiaries at such date andthe consolidated and consolidating results of its operations and changes infinancial position for the fiscal year then ended.

 

## (d)           Thefinancial statements of CHL, datedDecember 31, 2004, copies of which have heretofore been furnished to theManaging Administrative Agent and each Lender, are complete and correct andpresent fairly in accordance with GAAP the consolidated financial condition ofCHL and its consolidated subsidiaries at such date and the consolidated resultsof its operations and changes in financial position for the fiscal year thenended.

 

# 6.             GoverningLaw. This Amendment and the rightsand obligations of the parties hereunder shall be governed by, and construedand interpreted in accordance with, the laws of the State of New York.

 

[Signaturepages following]

 

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

 
|   | COUNTRYWIDE FINANCIAL  CORPORATION, |
|--------|-------------------------------------|
|   | a Delaware corporation              |
|   |                                |
|   |                                |
|   | By:                                 | /s/ Jennifer S. Sandefur |   |
|   | Name:                               | Jennifer S. Sandefur |
|   | Title:                              | Senior Managing Director and Treasurer |
|   |                                |   |
|   |                                |
|   | COUNTRYWIDE  HOME LOANS, INC.,      |
|   | a New York corporation              |
|   |                                |
|   |                                |
|   | By:                                 | /s/ Jennifer S. Sandefur |   |
|   | Name:                               | Jennifer S. Sandefur |
|   | Title:                              | Senior Managing Director and Treasurer |
|   |                                |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   | ROYAL BANK OF CANADA, as  Managing Administrative Agent |
|--------|---------------------------------------------------------|
|   |                                                    |
|   |                                                    |
|   | By:                                                     | /s/ David  Wheatley |   |
|   | Name:                                                   | David Wheatley |
|   | Title:                                                  | Manager, Agency |
|   |                                                    |
|   |                                                    |
|   | ROYAL BANK OF CANADA, as a  Lender                      |
|   |                                                    |
|   |                                                    |
|   | By:                                                     | /s/ Howard Lee |   |
|   | Name:                                                   | Howard Lee |
|   | Title:                                                  | Authorized Signatory |
|        |                                                         |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | BARCLAYS BANK PLC, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Alison A. McGuigan |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Alison A. McGuigan |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Associate Director |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | CREDIT SUISSE FIRST BOSTON ACTING THROUGH   ITS CAYMAN ISLANDS BRANCH, as a Lender                                                                                                                                                                                                                                                                                                                                                                                          |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Jay Chall |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Jay Chall |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Karim Blasetti |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Karim Blasetti |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Associate |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | BNP Paribas, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Pierre Nicholas Rogers |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Pierre Nicholas Rogers |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Jamie Dillon |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Jamie Dillon |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | COMMERZBANK AG, New York AND                                                                                                                                                                                                                                                                                                                                                                                                                                                |
|   |   | GRAND CAYMAN BRANCHES, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Christian Jagenberg |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Christian Jagenberg |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | SVP & Manager |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Yangling Joanne Si |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Yangling Joanne Si |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | AVP |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF MAY  11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | Lloyds TSB Bank, plc, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                           |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Michael J. Gilligan |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Michael J. Gilligan |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director, Financial Institutions, USA |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ James M. Rudd |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | James M. Rudd |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Vice President, Financial Institutions, USA |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | DRESDNER BANK AG, NEW YORK AND                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|   |   | GRAND CAYMAN BRANCHES, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Sascha Klaus |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Sascha Klaus |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ J. Curtin Beaudouin |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | J. Curtin Beaudouin |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | The Bank of Nova Scotia, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Todd Meller |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Todd Meller |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | BAYERISCHE HYPO UND VEREINSBANK AG, as a   Lender                                                                                                                                                                                                                                                                                                                                                                                                                           |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Craig Pinsly |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Craig Pinsly |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Michael Davis |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Michael Davis |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Director |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | BAYERISCHE LANDESBANK, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ James Fox |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | James Fox |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Vice President |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Norman McClave |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Norman McClave |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | First Vice President |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | CITICORP USA, INC., as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                             |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Yoko Otani |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Yoko Otani |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | HSBC BANK USA, NATIONAL ASSOCIATION, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                            |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Paul M. Lopez |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Paul M. Lopez |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Senior Vice President |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | LEHMAN BROTHERS BANK, FSB, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Janine M. Shugan |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Janine M. Shugan |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Authorized Signatory |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | Greenwich Capital Markets, Inc., as agent for The  Royal  Bank of Scotland plc, as a Lender                                                                                                                                                                                                                                                                                                                                                                                 |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Angela Reilly |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Angela Reilly |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Senior Vice President |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | Societe Generale, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Edith Hornick |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Edith Hornick |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | WestLB AG, New York Branch, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Samuel Bridges |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Samuel Bridges |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Executive Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Lillian Tung Lum |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Lillian Tung Lum |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Executive Director |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | Mizuho Corporate Bank, Ltd., as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                    |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Robert Gallagher |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Robert Gallagher |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Senior Vice President |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | U.S. National Bank National Association, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Douglas A. Rich |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Douglas A. Rich |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Vice President |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG COUNTRYWIDE  HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK OF CANADA, AS  MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND GRAND CAYMAN  BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP PARIBAS, AS  SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND THE LENDERS  PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | Calyon New York Branch, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                         |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Sebastian Rocco |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Sebastian Rocco |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ W. Jay Buckley |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | W. Jay Buckley |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Managing Director |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | FIFTH THIRD BANK, as a Lender                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Gary Losey |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Gary S. Losey |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | AVP – Relationship Manager |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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|   |   | SIGNATURE PAGE TO THE FIRST AMENDMENT, DATED AS OF  MAY 11, 2005, TO THE CREDIT AGREEMENT, DATED AS OF NOVEMBER 19, 2004, AMONG  COUNTRYWIDE HOME LOANS, INC., COUNTRYWIDE FINANCIAL CORPORATION, ROYAL BANK  OF CANADA, AS MANAGING ADMINISTRATIVE AGENT, COMMERZBANK AG, NEW YORK AND  GRAND CAYMAN BRANCHES AND SOCIETE GENERALE, AS DOCUMENTATION AGENTS, BNP  PARIBAS, AS SYNDICATION AGENT, BARCLAYS BANK PLC, AS ADMINISTRATIVE AGENT AND  THE LENDERS PARTY THERETO |
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|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | NAME OF INSTITUTION:                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   | COOPERATIEVE CENTRALE RAIFEISSEN-BOERENLEENBANK  B.A., “RABOBANK INTERNATIONAL”, NEW YORK BRANCH., as a   Lender                                                                                                                                                                                                                                                                                                                                                  |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Brett Delfino |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Brett Delfino |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Executive Director |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | By: | /s/ Jocelyne Lallemand |   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Name: | Jocelyne Lallemand |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Title: | Vice President |
|        |        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |  |  |  |

 

*Signature Page to the First Amendment to the Countrywide CreditAgreement*

*Royal Bank of Canada as Managing Administrative Agent*

 

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