##### 



Exhibit 10.2
 EXECUTION COPY
 Bay View 2005 Warehouse Trust
 Issuer
 and
 JPMorgan Chase Bank, N.A.
 Indenture Trustee
 Amended and Restated Indenture
 Dated as of November 11, 2005
 $450,000,000
 Bay View 2005 Warehouse Trust
 Automobile Receivables-Backed Notes, Series 2005-1




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##### 



Table of Contents
 PageArticle IDefinitions
    
    
    2Section 1.01. General Definitions
    
    
    2Section 1.02. Calculations
    
    
    27Article IIThe Notes; Reconveyance
    
    
    27Section 2.01. General
    
    
    27Section 2.02. Forms of Notes
    
    
    28Section 2.03. Payment of Principal and Interest
    
    
    28Section 2.04. Payments to Noteholders
    
    
    29Section 2.05. Execution, Authentication, Delivery and Dating
    
    
    29Section 2.06. Registration, Registration of Transfer and Exchange
    
    
    30Section 2.07. Transfer and Exchange
    
    
    31Section 2.08. Mutilated, Destroyed, Lost or Stolen Notes
    
    
    32Section 2.09. Persons Deemed Noteholders
    
    
    33Section 2.10. Cancellation of Notes
    
    
    33Section 2.11. Conditions to Closing
    
    
    33Section 2.12. Funding Events
    
    
    35Section 2.13. Fundings
    
    
    37Section 2.14. Fundings by Noteholders
    
    
    38Section 2.15. Access to List of Noteholders Names and Addresses
    
    
    38Article IIICovenants; Collateral; Representations; Warranties
    
    
    38Section 3.01. Performance of Obligations
    
    
    38
 i




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Table of Contents  (continued)
 PageSection 3.02. Negative Covenants
    
    
    39Section 3.03. Money for Note Payments
    
    
    40Section 3.04. Restriction of Issuer Activities
    
    
    42Section 3.05. Protection of Trust Estate
    
    
    43Section 3.06. Opinions as to Trust Estate
    
    
    44Section 3.07. Statement as to Compliance
    
    
    45Section 3.08. Limitations on Lien
    
    
    45Section 3.09. Recording
    
    
    45Section 3.10. Agreements Not to Institute Bankruptcy Proceedings; Additional Covenants
    
    
    46Section 3.11. Providing of Notice
    
    
    48Section 3.12. Representations and Warranties of the Issuer
    
    
    49Section 3.13. Representations and Warranties of the Indenture Trustee
    
    
    52Section 3.14. Performance of Obligation
    
    
    53Section 3.15. Hedge Agreement Provisions
    
    
    54Article IVAdministration and Servicing of Receivables
    
    
    55Section 4.01. Sale and Servicing Agreement
    
    
    55Article VAccounts, Collections, Payments of Interest and Principal, Releases, Spread Account, and Statements to Noteholders
    
    
    56Section 5.01. Accounts
    
    
    56Section 5.02. Collection Account and Spread Account
    
    
    59Section 5.03. Distribution of Funds in the Collection Account
    
    
    60Section 5.04. Note Payments
    
    
    61
 ii




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Table of Contents  (continued)
 PageSection 5.05. Statements to Noteholders; Tax Returns
    
    
    63Section 5.06. Reports by Indenture Trustee
    
    
    63Section 5.07. Final Balances
    
    
    63Article VIRepayment of Notes
    
    
    64Section 6.01. Optional Repayment
    
    
    64Section 6.02. Repayment Payments
    
    
    65Section 6.03. Cancellation of Notes
    
    
    65Section 6.04. Release of Collateral
    
    
    65Article VIIThe Indenture Trustee
    
    
    66Section 7.01. Duties of Indenture Trustee
    
    
    66Section 7.02. Notice of Termination Event, Default, Servicer Event of Default or Event of Default
    
    
    68Section 7.03. Rights of Indenture Trustee
    
    
    69Section 7.04. Not Responsible for Recitals, Issuance of Notes or Application of Moneys as Directed
    
    
    69Section 7.05. May Hold Notes
    
    
    69Section 7.06. Money Held in Trust
    
    
    70Section 7.07. Compensation and Reimbursement
    
    
    70Section 7.08. Eligibility; Disqualification
    
    
    71Section 7.09. Indenture Trustees Capital and Surplus
    
    
    71Section 7.10. Resignation and Removal; Appointment of Successor
    
    
    72Section 7.11. Acceptance of Appointment by Successor
    
    
    72
 iii




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Table of Contents  (continued)
 PageSection 7.12. Merger, Conversion, Consolidation or Succession to Business of Indenture Trustee
    
    
    73Section 7.13. Co-trustees and Separate Indenture Trustees
    
    
    73Section 7.14. Books and Records
    
    
    75Section 7.15. Control
    
    
    75Section 7.16. Suits for Enforcement
    
    
    75Article VIIIEvent of Default
    
    
    75Section 8.01. Events of Default
    
    
    75Section 8.02. Actions of Indenture Trustee
    
    
    77Section 8.03. Indenture Trustee May File Proofs of Claim
    
    
    77Section 8.04. Indenture Trustee May Enforce Claim Without Possession of Notes
    
    
    78Section 8.05. Knowledge of Indenture Trustee
    
    
    78Section 8.06. Limitation on Suits
    
    
    78Section 8.07. Unconditional Right of Noteholders to Receive Principal and Interest
    
    
    79Section 8.08. Restoration of Rights and Remedies
    
    
    79Section 8.09. Rights and Remedies Cumulative
    
    
    79Section 8.10. Delay or Omission; Not Waiver
    
    
    79Section 8.11. Control by Noteholders
    
    
    80Section 8.12. Waiver of Certain Events by Less than All Noteholders
    
    
    80Section 8.13. Undertaking for Costs
    
    
    80Section 8.14. Waiver of Stay or Extension Laws
    
    
    81Section 8.15. Sale of Trust Estate
    
    
    81
 iv




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Table of Contents  (continued)
 PageSection 8.16. Action on Notes
    
    
    82Article IXSupplemental Indentures
    
    
    82Section 9.01. Supplemental Indentures Without Noteholder Approval
    
    
    82Section 9.02. Supplemental Indentures with Consent of Noteholders
    
    
    83Section 9.03. Execution of Amendments and Supplemental Indentures
    
    
    84Section 9.04. Effect of Amendments and Supplemental Indentures
    
    
    84Section 9.05. Reference in Notes to Amendments and Supplemental Indentures
    
    
    84Section 9.06. Indenture Trustee to Act on Instructions
    
    
    84Article XMiscellaneous
    
    
    85Section 10.01. Compliance Certificates and Opinions; Furnishing of Information
    
    
    85Section 10.02. Form of Documents Delivered to Indenture Trustee
    
    
    85Section 10.03. Acts of Noteholders
    
    
    86Section 10.04. Notices, Etc
    
    
    87Section 10.05. Notices and Reports to Noteholders; Waiver of Notices
    
    
    88Section 10.06. Rules by Indenture Trustee
    
    
    89Section 10.07. Issuer Obligation
    
    
    89Section 10.08. Enforcement of Benefits
    
    
    89Section 10.09. Effect of Headings and Table of Contents
    
    
    89Section 10.10. Successors and Assigns
    
    
    90Section 10.11. Separability
    
    
    90Section 10.12. Benefits of Indenture
    
    
    90Section 10.13. Legal Holidays
    
    
    90
 v




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Table of Contents  (continued)
 PageSection 10.14. Governing Law
    
    
    90Section 10.15. Counterparts
    
    
    90Section 10.16. Recording of Indenture
    
    
    90Section 10.17. Further Assurances
    
    
    91Section 10.18. No Bankruptcy Petition Against the Issuer
    
    
    91Section 10.19. Limitation of Liability
    
    
    91Section 10.20. Limitation on Recourse
    
    
    91Section 10.21. Confidentiality
    
    
    91Section 10.22. Amendment and Restatement
    
    
    91Article XITermination
    
    
    92Section 11.01. Termination of Indenture
    
    
    92
 Schedule I
    
    
    
    Schedule of Initial ReceivablesExhibit A
    
    
    
    Form of Funding Certificate
    
    A-1Exhibit B
    
    
    
    [Reserved]
    
    B-1Exhibit C
    
    
    
    Form of Notice of Funding
    
    C-1Exhibit D
    
    
    
    Form of Note
    
    D-1Exhibit E
    
    
    
    Form of Transferee Letter
    
    E-1
 vi




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This Amended and Restated Indenture Indenture Effective Date Issuer Indenture Trustee
 Preliminary Statement
 Prior Agreement
  Notes
 Granting Clause
 
       Section 3.15
   PROVIDED, HOWEVER, Article XI
 Article I
 Definitions
 Section 1.01. General Definitions
 ABS Speed
 2




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Account Property
 Accounts
 Acknowledgement
 Act Section 10.03
 Additional Note Principal Balance Section 2.13(a)
 Adjusted LIBOR Rate
 Administrative Agent
 Affiliate controlling controlled
 Agent
 Aggregate Receivable Balance
 Amount Financed
 3




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##### 



Annual Percentage Rate APR
 Applicable Margin
 Authorized Officer
 Average Default Ratio provided however
 Average Delinquency Ratio provided however
 Backup Servicer
 Bank of Montreal
 Bank Rate Section 2.04
 Base Rate
 Bay View Acceptance
 Bay View Capital
 Benefit Plan Section 2.07(b)
 4




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##### 



Breakage Costs
 Broken Funding Costs
 Business Day
 Calculation Date
 Certificate of Title
 Certificate of Trust Exhibit B
 Certification
 Change of Control
 Closing Date
 Code
 5




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Collateral Test Amount
 Collection Account Section 5.01
 Collection Period provided,
 Collections
 Commercial Paper
 Commitment Expiry Date
 Contribution Agreement
 Contributor
 Contributor Financing Statement
 Corporate Trust Office th
 CP Rate
 Cram Down Loss
 6




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##### 



Current Peak Aggregate Receivables Balance
 Current Peak Note Percentage Reserve Amount times minus
 Custodian
 Custodian Agreement
 Cutoff Date
 Dealer
 Dealer Agreement
 Default
 Default Rate
 Default Ratio times
 7




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##### 



Defaulted Receivable
 Deficiency Claim Amount Section 5.03(a) First Sixteenth Section 5.03(b)
 Delinquency Ratio
 Delinquent Receivable
 Delivery
       8




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9




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##### 



Delivery Date Section 2.12(a)(i)
 Depositor
 Depositor Financing Statement
 Eligible Account
 10




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##### 



Eligible Hedge Counterparty Long-term Rating Requirement Short-term Rating Requirement
 Eligible Institution
 Eligible Investments
   11




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Eligible Receivable Section 3.02(a) Section 3.02(a)
 ERISA Section 2.07(b)
 Event of Default Section 8.01
 Excess Spread
 Excess Spread Trigger Event
 Excess Spread Trigger Period
 Excess Spread Trigger Period Percentage
 Exchange Act
 12




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##### 



Falcon Lender Group
 Fairway Lender Group
 Federal Funds Rate
 Fee Letter
 Financed Vehicle
 Financial Institutions
 Financing Statements
 Funding Certificate Exhibit A
 Funding Date provided
 Funding Documents Section 3.14(f)
 Funding Period
 13




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##### 



Grant
 Hedge Agreement
 Hedge Counterparty
 Hedge Transaction
 Holder
 Increased Costs Section 3.14(f)
 Incremental Trigger Amount
 Indenture this Indenture Articles, Sections Subsections herein hereof hereunder
 Indenture Trustee Indenture Trustee
 14




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Indenture Trustee Fee
 Indenture Trustee Fee Agreement
 Independent Directors
 Independent Public Accountants provided,
 Interest Rate Hedge Cap Strike Price
 Initial Cutoff Date
 Initial Funding Date
 Initial Purchasers
 Initial Receivables
 Insurance Proceeds
 Interest Rate Period Section 2.05(b)
 Issuer
 Issuer Financing Statement
 Issuer Order
 15




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##### 



Issuer Secured Obligations
 Issuer Trust Agreement
 JPMorgan Chase Bank, N.A.
 Lender Group
 Lender Group Agent
 LIBOR Section
2.03(d)
 LIBOR Determination Date
 Lien
 Liquidity Agreement
 Liquidity Commitment
 Liquidity Funding Rate
 Local Bank
 Local Bank Account
 Long-term Rating Requirement
 16




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Majority Holders
 Maturity Date th
 Maximum Outstanding Note Amount
 Monthly Available Funds Section 5.03(a)
 Moodys
 1940 Act
 Nonconforming Receivable
 Note Notes
 Note Interest
 times times
 times times
 17




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##### 



plus
 Note Interest Rate:
  Section 2.04
  provided however
 Note Percentage
 Note Principal Balance Section
2.13(a) , Note Principal
Balance
 Note Purchase Agreement
 Note Register Note Registrar Section 2.06
 Noteholder
 Notice of Funding Exhibit C
 Obligor
 Officers Certificate
 18




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Opinion of Counsel Section 10.02
 Outstanding
    Section 2.08
 provided, however,
 Overdue Interest plus
 Ownership Interest
 19




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Owner Trustee Owner Trustee
 Paying Agent Section 3.03
 Payment Date th
 Perfection UCCs
 Permitted Lien
 Person
 Pool
 Predecessor Notes Section 2.08
 Pre-Funding Account Section 5.01
 Prime Rate 20
        Principal Payment Amount minus
 Principal Reduction Amount
 Proceeding
 Program Fee
 Program Fee Rate
 Rating Agency
 Receivable Exhibit B
 Receivable Balance Receivables Balance minus provided Section 3.03
 Receivables Advance Amount
 21




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Record Date
 Recoveries
 Repayment Date Section 6.01(a)
 Repurchase Price
 Repurchased Receivable Section 6.04
 Required Financial Institutions
 Requisite Amount
 times plus
 times
 Responsible Officer
 22




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Sale and Servicing Agreement
 Schedule of Receivables Schedule I
 Scheduled Obligor Payment provided , however ,
 Securities Act
 Servicer Servicer
 Servicer Advances Section 7.01(g)
 Servicer Event of Default Section 10.01
 Servicing Fee Rate
 Short-term Rating Requirement
 Spread Account Section 5.01
 Spread Account Deficiency
 23




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Standard &Poors
 State
 Subsequent Cutoff Date
 Subsequent Receivable
 Subsequent Transfer
 Supermajority Holders
 Supplemental Servicing Fees
 Tangible Net Worth plus
 Termination Date
 Termination Event
    24




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Section
5.03(a)
       25




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26




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##### 



Section 3.15
  Termination Statement Section 2.11(h)
 Three Month Average Excess Spread
 Transaction Documents
 Transfer Date
 Transferee Letter Section 2.07(a)
 Trust Estate
 UCC
 Unused Fee
 Vice President
 Section 1.02. Calculations
 Article II
 The Notes; Reconveyance
 Section 2.01. General
 27




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Section 2.02. Forms of Notes Exhibit D
  Exhibit D
 Section 2.03. Payment of Principal and Interest
 28




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##### 



Section
5.03(b)
 Article VI
   Section 2.04. Payments to Noteholders Section 5.03(b) Section 5.04
  Section 2.05. Execution, Authentication, Delivery and Dating
 29




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##### 



provided however, Section
2.11
  Article II
  Section 2.06. Registration, Registration of Transfer and Exchange Note Registrar Note
Register
  30




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##### 



Section 2.05
     Section 2.07. Transfer and Exchange Exhibit E Transferee Letter
 31




---



##### 



ERISA Benefit Plan
 Section 2.07(a)
 Section 2.08. Mutilated, Destroyed, Lost or Stolen Notes provided,
however,
  Section 2.08
 32




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##### 



Section 2.08
 Section 2.09. Persons Deemed Noteholders
 Section 2.10. Cancellation of Notes Section
2.10
 Section 2.11. Conditions to Closing Section 2.05
       33




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##### 



Termination Statements
 34




---



##### 



Section 2.12. Funding Events
 Delivery
Date
   35




---



##### 



provided, however,
       36




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##### 



Section 3.15
  Section 2.13. Fundings Sections 2.11 2.12 Additional Note Principal Balance
 provided
 provided
 37




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##### 



provided, however, Section 2.12
 Section 2.14. Fundings by Noteholders Section 2.11 Section 2.12
 Section 2.15. Access to List of Noteholders Names and Addresses
 Article III
 Covenants; Collateral; Representations; Warranties
 Section 3.01. Performance of Obligations
 38




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##### 



Section 3.02. Negative Covenants.
  39




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##### 



Section 3.10(b)
       Section 3.03. Money for Note Payments Section 5.03 Section 3.03 Article V
  Article V
 40




---



##### 



Section 3.03
      provided, however,
  41




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##### 



Section 3.04. Restriction of Issuer Activities
 42




---



##### 



Section 3.10
 Section 3.05. Protection of Trust Estate
       Section
3.05
 Section
3.05 provided, however,
 43




---



##### 



Section 3.05(b) Section 3.06
 Section
3.06 Section 2.11(c) Section 3.06)
 Article II
  Section 3.06. Opinions as to Trust Estate
 44




---



##### 



Section 3.07. Statement as to Compliance
 Section 3.08. Limitations on Lien
 Section 3.09. Recording
 45




---



##### 



Section 3.10. Agreements Not to Institute Bankruptcy Proceedings; Additional Covenants
    46




---



##### 



Section 3.10(b)
 Del. C.
    47




---



##### 



provided, however,
 Section 3.11. Providing of Notice
 48




---



##### 



Section 3.12. Representations and Warranties of the Issuer
     49




---



##### 



Section 3.04
   50




---



##### 



51




---



##### 



Section 3.13. Representations and Warranties of the Indenture Trustee
    52




---



##### 



Section 3.14. Performance of Obligation
    53




---



##### 



FASB Funding Documents Increased Costs short term commitments
 Section 3.15. Hedge Agreement Provisions
 54




---



##### 



Section 5.03(b)
 Article IV
 Administration and Servicing of Receivables
 Section 4.01. Sale and Servicing Agreement
  55




---



##### 



Article VII
 Section 7.01
 Article V
 Accounts, Collections, Payments of Interest and Principal, Releases, Spread
Account, and Statements to Noteholders
 Section 5.01. Accounts. Collection Account
 Spread Account
 Pre-Funding Account
  56




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##### 



57




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##### 



(ii)
    
    With respect to the Account Property, the Indenture Trustee agrees that:
  Delivery
 Delivery
 uncertificated security Delivery
  New York UCC
 58




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##### 



Section
5.01(f)(ii)(F) Section 5.01(f)(ii)(F)
 Section 5.02. Collection Account and Spread Account
 Section 5.03(b) provided, however, Section 5.03 Section 5.03
   59




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##### 



Sections 5.02(d) 5.03(a) Section 5.03(b)
 Section 5.03. Distribution of Funds in the Collection Account Section 5.02(c)
  First provided, however Section 5.03(a)
 Second Section 7.07 provided, however Second Second
 Third
 Fourth, Section 5.02(b)
 Fifth,
 60




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##### 



Sixth pro rata Sixth
 Seventh Schedule II Seventh
 Eighth pro rata provided, however, Eighth Eighth
 Ninth,
 Tenth,
 Eleventh
 Twelfth Seventh Twelfth
 Thirteenth
 Fourteenth,
 Fifteenth,,
 61




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##### 



Sixteenth, pro rata Eighth
 Seventeenth,
 Eighteenth
 Nineteenth, Second
 Twentieth,
 Section 5.04. Note Payments.
  Section 5.03(b)
 62




---



##### 



provided
  Section 5.05. Statements to Noteholders; Tax Returns
  Section 5.06. Reports by Indenture Trustee
 Section 5.07. Final Balances
 63




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##### 



Article V
 Article VI
 Repayment of Notes
 Section 6.01. Optional Repayment Repayment Date" First Seventeenth Section 5.03(b)
 Section 2.12(a)(iii) times
 provided First Seventeenth Section 5.03(b)
 64




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##### 



Section 6.02. Repayment Payments First Seventeenth Section 5.03(b) Section 5.03(b) Section 5.04
 Section 6.03. Cancellation of Notes
 Section 6.04. Release of Collateral Section 10.02
 Exhibit B provided , however ,
 Section 3.03 Section 3.03
 65




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##### 



Exhibit B
 Article VII
 The Indenture Trustee
 Section 7.01. Duties of Indenture Trustee Section 7.02
     66




---



##### 



Section
7.01
   Section
3.05(b)
 Sections 7.07 5.03(b)
 Section 7.01
 Section 7.01 Section 7.13
    67




---



##### 



Section 7.02. Notice of Termination Event, Default, Servicer Event of Default or Event of
Default Section 11.04
 68




---



##### 



Section 7.03. Rights of Indenture Trustee
   Section 7.01(b)
  Section 7.04. Not Responsible for Recitals, Issuance of Notes or Application of Moneys as
Directed Section 7.01(b)
 Section 7.05. May Hold Notes
 69




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##### 



Section 7.06. Money Held in Trust
 Section 7.07. Compensation and Reimbursement
 Article V
 provided , however ,
 provided , however ,
 provided,
 Section
7.07(a)(iii)
 70




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##### 



Section 5.03(b)
  Section 8.01
 Section 7.08. Eligibility; Disqualification Section 7.09 Section 7.10(d)(ii)
 Section 7.09. Indenture Trustees Capital and Surplus Section 7.09
 71




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##### 



Section 7.10. Resignation and Removal; Appointment of Successor Section 7.10 Section 7.11
   Section
7.08 7.09
 Sections 7.10(c) (d)
   Section 7.10 Section 7.13
 Section 7.11. Acceptance of Appointment by Successor
 72




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##### 



Sections
7.08 7.09
 Section 7.07
 Section 7.12. Merger, Conversion, Consolidation or Succession to Business of Indenture
Trustee Sections 7.08 7.09
 Section 7.13. Co-trustees and Separate Indenture Trustees Section 7.13
 73




---



##### 



Section 7.13 Section 7.13
   74




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##### 



Section 7.14. Books and Records
 Section 7.15. Control provided
    Section 7.16. Suits for Enforcement
 Article VIII
 Event of Default
 Section 8.01. Events of Default
  75




---



##### 



76




---



##### 



Section 8.02. Actions of Indenture Trustee Article VIII
       Section 8.03. Indenture Trustee May File Proofs of Claim
  77




---



##### 



Section 7.07
  Section 8.04. Indenture Trustee May Enforce Claim Without Possession of Notes Section 7.07 provided Section 7.07 Section
5.03(b)
 Section 8.05. Knowledge of Indenture Trustee
 Section 8.06. Limitation on Suits
  78




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##### 



Section 8.07. Unconditional Right of Noteholders to Receive Principal and Interest
 Section 8.08. Restoration of Rights and Remedies
 Section 8.09. Rights and Remedies Cumulative Section 2.08
 Section 8.10. Delay or Omission; Not Waiver
 79




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##### 



Article VIII
 Section 8.11. Control by Noteholders provided
  provided, however, Section 7.01 Section 8.11(c)
  Section 8.12. Waiver of Certain Events by Less than All Noteholders
  Article IX
  Section 8.13. Undertaking for Costs
 80




---



##### 



Section 8.13
 Section 8.14. Waiver of Stay or Extension Laws
 Section 8.15. Sale of Trust Estate Article VIII
 provided, however,
   81




---



##### 



Section 8.16. Action on Notes
 Article IX
 Supplemental Indentures
 Section 9.01. Supplemental Indentures Without Noteholder Approval
    Section 9.06
 Section 9.01
 82




---



##### 



Section 9.02. Supplemental Indentures with Consent of Noteholders
 Article VI
  Section 9.02
   Section 8.01
 provided, Section 9.02(a) Section 9.02(b)
 83




---



##### 



provided further
 Section 9.02
  Section 9.03. Execution of Amendments and Supplemental Indentures Article IX Section 7.01
 Section 9.04. Effect of Amendments and Supplemental Indentures Article IX
 Section 9.05. Reference in Notes to Amendments and Supplemental Indentures Article IX
 Section 9.06. Indenture Trustee to Act on Instructions Section 9.02
 84




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##### 



Article X
 Miscellaneous
 Section 10.01. Compliance Certificates and Opinions; Furnishing of Information
 Section 10.02. Form of Documents Delivered to Indenture Trustee
  85




---



##### 



Section 7.01(b)(ii)
  Section 10.03. Acts of Noteholders Act Section 7.01 Section 10.03
  86




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##### 



Section 10.04. Notices, Etc
   To the Indenture Trustee:
    
    JPMorgan Chase Bank, N.A.600 Travis St., 9th FloorHouston, TX 77002Attention: Structured Finance  Bay View 2005Phone:

    (713) 216-3682Fax:
    
    (212) 216-4880To the Issuer:
    
    Bay View 2005 Warehouse Trustc/o Wilmington Trust CompanyRodney Square North1100 North Market StreetWilmington, DE 19890-0001Attention: Corporate Trust AdministrationPhone:

    (302) 636-6119Fax:
    
    (302) 636-4148with a copy to:
    
    Bay View Acceptance Corporation1840 Gateway Drive, Suite 300San Mateo, CA 94404Attention: CounselPhone:

    (650) 312-6807Fax:
    
    (650) 573-6381
 87




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##### 



To the Agent:
    
    JP Morgan Chase Bank, N.A.Asset Backed FinanceSuite IL1-00594, 1-191 Bank One PlazaChicago, Illinois 60670-0079Fax: (312) 732-1844Harris Nesbitt Corp.Address: 115 S. LaSalle St., Floor 13WChicago, IL 60603Attn: Conduit AdministrationPhone: 312-461-5640Fax: 312-461-3189Email: fundingdesk@harrisnesbitt.comTo the Initial Purchasers:
    
    Fairway Finance Company, LLCAddress: c/o Lord Securities Corporation48 Wall Street, 27th FloorNew York, New York 10005Attn: Orlando FigueroaPhone: (212) 346-9007Fax: (212) 346-9012Email: of@lordspv.comCopy to:Harris Nesbitt Corp.Address: 115 S. LaSalle St., Floor 13WChicago, IL 60603Attn: Conduit AdministrationPhone: 312-461-5640Fax: 312-461-3189Email: fundingdesk@harrisnesbitt.comFalcon Asset SecuritizationAsset Backed FinanceSuite IL1-00791 Bank One PlazaChicago, IL 60670-0079Fax: 312-732-3600
 Section 10.05. Notices and Reports to Noteholders; Waiver of Notices
 88




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##### 



Section 10.06. Rules by Indenture Trustee
 Section 10.07. Issuer Obligation
 Section 10.08. Enforcement of Benefits
 Section 10.09. Effect of Headings and Table of Contents
 89




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Section 10.10. Successors and Assigns
 Section 10.11. Separability
 Section 10.12. Benefits of Indenture Section
7.13
 Section 10.13. Legal Holidays provided provided further however
 Section 10.14. Governing Law
 Section 10.15. Counterparts
 Section 10.16. Recording of Indenture
 90




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##### 



Section 10.17. Further Assurances
 Section 10.18. No Bankruptcy Petition Against the Issuer Section 10.18
 Section 10.19. Limitation of Liability
 Section 10.20. Limitation on Recourse. Section 5.03(b)
 Section 10.21. Confidentiality
 91




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##### 



Section 10.22. Amendment and Restatement. "     
" 
 Article XI
 Termination
 Section 11.01. Termination of Indenture Article XI
  92




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[Signature Page Follows]
 93




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,
 Bay View 2005 Warehouse Trust,as IssuerBy:
    
    Wilmington Trust Company,not in its individual capacity, but solely as Owner TrusteeBy:Name:Title:
 Signature Page to Indenture




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##### 



JPMorgan Chase Bank,N.A., as Indenture TrusteeBy:Name:Title:




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Agreed and Acknowledged:  Bay View Acceptance Corporation,
 ByName:Title:




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Acknowledged and consented to:
 Falcon Asset Securitization Corporation,
 By:Name:Title:
 Acknowledged and consented to:
 Fairway Finance Company, LLC
 By:Name:Title:




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EXHIBIT A
 FORM OF  NOTICE OF FUNDING, CERTIFICATION  AND FUNDING CERTIFICATE
 To:
    
    JPMorgan Chase Bank, N.A.600 Travis St., 9th FloorHouston, Texas 77002Attn: Structured Finance  Bay View 2005JPMorgan Chase Bank, N.A.Asset Backed FinanceSuite IL1-05941 Bank One PlazaChicago, Illinois 60670-0079Harris Nesbitt Corp.Address: 115 S. LaSalle St., Floor 13WChicago, IL 60603Attn: Conduit Administration
 Indenture Issuer Indenture Trustee" Bay View Acceptance Contribution Agreement Contributor" Depositor Sale and Servicing Agreement
 Form of Request for Release




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##### 



ARTICLE 1
[ Notice of Funding ]
[See Exhibit C to the Indenture]
 ARTICLE 2
[ Certification ]
[See Exhibit A to the Custodian Agreement]
 ARTICLE 3  Funding Certificate
 Section 2.12
  Section 3.02 Section 3.02
 Section 3.12
 Section 2.12
 Section 2.12
  Article IV Article IV
  [signature pages follows]
 3




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##### 



Articles 1 and 3
 Bay View 2005 Warehouse Trust, As IssuerBy: Wilmington Trust Company,not in its
individual capacity, but solely as Owner TrusteeBy:Name:Title:
 Articles 1 and 3
 Bay View Warehouse Corporation, as DepositorBy:Name: John K. OkuboTitle: Senior Vice President, Chief Financial
Officer and Treasurer
 Articles 1, 2 and 3
 Bay View Acceptance Corporation, as Contributor
and custodianBy:Name: John K. OkuboTitle: Chief Financial Officer
 4




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EXHIBIT B
 REQUEST FOR RELEASE
 TO:
    
    JPMorgan Chase Bank, N.A.600 Travis St., 9th FloorHouston, Texas 77002Attn: Structured Finance  Bay View 2005Harris Nesbitt Corp.Address: 115 S. LaSalle St., Floor 13WChicago, IL 60603Attn: Conduit AdministrationJPMorgan Chase Bank, N.A.Asset Backed FinanceSuite IL1-05941 Bank One PlazaChicago, Illinois 60670-0079
 Section 6.04 Indenture Issuer Indenture Trustee Schedule I Released Receivables
 Repurchase Price
 Section 6.04
 5




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##### 



6




---



##### 



DATE: ,
    
    BAY VIEW ACCEPTANCE
CORPORATION, as 
  ServicerBy:Name:Title:
 
  By:Name:Title:
 
 
 By:Name:Title:




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##### 



SCHEDULE I
TO REQUEST FOR RELEASE
 RELEASED RECEIVABLES




---



##### 



EXHIBIT C
 FORM OF  NOTICE OF FUNDING, CERTIFICATION  AND FUNDING CERTIFICATE
 To:
    
    JPMorgan Chase Bank, N.A.600 Travis St., 9th FloorHouston, Texas 77002Attn: Structured Finance  Bay View 2005Harris Nesbitt Corp.Address: 115 S. LaSalle St., Floor 13WChicago, IL 60603Attn: Conduit AdministrationJPMorgan Chase Bank, N.A.Asset Backed FinanceSuite IL1-05941 Bank One PlazaChicago, Illinois 60670-0079
 Indenture Issuer Indenture Trustee" Bay View Acceptance Contribution Agreement Contributor" Depositor Sale and Servicing Agreement




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##### 



ARTICLE 1  Notice of Funding
 
  Aggregate Receivable Balance of Subsequent
Receivables as of the Cutoff Date:
    
    $Aggregate Receivable Balance after addition
of Subsequent Receivables:
    
    $Note Principal Balance for the Notes as of
Funding Date:
    
    $Aggregate Receivables Advance Amount:
    
    $[Break down above aggregate
Advance Amount by each purchaser
based upon its Noteholder Pro
Rata Share]
    
    $
 Section 2.12
 ARTICLE 2
[ Certification ]
[See Exhibit A to the Custodial Agreement]
 ARTICLE 3
[ Funding Certificate ]




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##### 



[signature pages follows]




---



##### 



Articles 1 and 3
 Bay View 2005 Warehouse Trust, As IssuerBy: Wilmington Trust Company,not in its
individual capacity, but solely as Owner TrusteeBy:Name:Title:
 Articles 1 and 3
 Bay View Warehouse Corporation, as DepositorBy:Name: John K. OkuboTitle: Senior Vice President, Chief Financial
Officer and Treasurer
 Articles 1, 2 and 3
 Bay View Acceptance Corporation, as Contributor
and custodianBy:Name: John K. OkuboTitle: Chief Financial Officer




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##### 



The outstanding principal amount of this Note at any time may be less than the Maximum
Outstanding Note Amount shown on the face hereof. Any purchaser of this Note may ascertain the
outstanding principal amount hereof by inquiry of the Indenture Trustee.
 This Note has not been and will not be registered under the Securities Act of 1933, as
amended (the Securities Act" ) or any State securities laws, and may not be sold or
otherwise transferred, pledged or hypothecated except in compliance with the Securities Act and
applicable State securities laws. The transfer of this Note is subject to certain restrictions and
conditions set forth in the Indenture under which this Note is issued (A copy of which is available
from the Indenture Trustee upon request).
 Each Noteholder, by its acceptance of this Note (or interest therein), covenants and
agrees that such Noteholder, as the case may be, shall not, prior to the date that is one year and
one day after the termination of the Indenture, acquiesce, petition or otherwise invoke or cause
the Issuer or the Depositor to invoke the process of any court or governmental authority for the
purpose of commencing or sustaining a case against the Issuer or the Depositor under any federal or
State bankruptcy, insolvency, reorganization or similar law or appointing a receiver, liquidator,
assignee, trustee, custodian, sequestrator or other similar official of the Issuer or the Depositor
or any substantial part of either of their property, or ordering the winding up or liquidation of
the affairs of the Issuer or the Depositor.
 No.
    
    
    
    Maximum Outstanding Note Amount: $450,000,000
 
 Dated:
 Issuer,   Payment Date"




---



##### 



Section 2.13 provided
 provided
 Notes" Indenture" Indenture Trustee, A




---



##### 



The obligation of the Issuer to repay this Note is a limited, nonrecourse obligation
secured only by the Trust Estate
   FASB Funding Documents"




---



##### 



short term
commitment
 This Note shall be subject to optional repayment at the option of the Issuer in the manner
and subject to the provisions of the Indenture




---



##### 



Sections 2.06 2.07
 Section 10.18




---



##### 



Article V provided that,
   This Note is issued pursuant to the Indenture and it and the Indenture shall be governed
by and construed in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties hereunder shall be determined in accordance with such laws (including,
without limitation, §5-1401 and §5-1402 of




---



##### 



the General Obligations Laws, but otherwise without giving effect to principles
of conflict of laws).
 Reference is hereby made to the provisions of the Indenture and such provisions are hereby
incorporated by reference as if fully set forth herein.




---



##### 



In Witness Whereof
 Bay View 2005 Warehouse Trust, as IssuerBy: Wilmington Trust Company,not in its
individual capacity, but solely as Owner TrusteeBy:Name:Title:




---



##### 



Date of
    
    
    
    
    
    Scheduled
    
    Note
    
    NoteFunding or
    
    Advance
    
    Note Principal
    
    Principal
    
    PrincipalPayment
    
    Amount
    
    Payment
    
    Prepayment
    
    Balance, 2005
    
    $
    
    
    
    $
    
    
    
    $
    
    
    
    $, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__, 200__




---



##### 



[Form of Assignment]
 For Value Received
 Please insert Social Security or  Taxpayer Identification number of Assignee
 Date:Notice: The signature to this assignment
must correspond with the name as it appears upon the
face of the within Note in every particular, without
alteration or enlargement or any change whatever.




---



##### 



th
 Purchaser" Notes" 1933 Act"
 Investment Company Act"
 Issuer"
 Institutional Accredited Investor"




---



##### 



Indenture Indenture Trustee
 ERISA Benefit Plan
    
 By:Signature of PurchaserPurchasers Name and Title (Print)
    
    Signature of PurchaserAddress of PurchaserPurchasers Taxpayer Identification or
Social Security Number
 2