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EXECUTION COPY
 THIRD AMENDMENT TO
FOURTH AMENDED AND RESTATED LOAN AGREEMENT
 THIS THIRD AMENDMENT TO FOURTH AMENDED AND RESTATED LOAN AGREEMENT Amendment ASTA FUNDING ACQUISITION I, LLC, ASTA FUNDING ACQUISITION II, LLC PALISADES COLLECTION, L.L.C. PALISADES ACQUISITION
I, LLC PALISADES ACQUISITION II, LLC PALISADES ACQUISITION IV, LLC PALISADES
ACQUISITION V, LLC PALISADES ACQUISITION VI, LLC PALISADES ACQUISITION VII, LLC PALISADES ACQUISITION VIII, LLC PALISADES ACQUISITION IX,
LLC PALISADES ACQUISITION X, LLC CLIFFS PORTFOLIO ACQUISITION I, LLC SYLVAN ACQUISITION I, LLC OPTION CARD, LLC Borrowers Borrower ASTA FUNDING, INC. COMPUTER
FINANCE, LLC ASTAFUNDING.COM, LLC ASTA COMMERCIAL, LLC VATIV RECOVERY
SOLUTIONS, LLC Guarantor ISRAEL
DISCOUNT BANK OF NEW YORK, IDB Collateral Agent Administrative Agent Agents MERRILL LYNCH CAPITAL Merrill Lynch
 RECITALS:
 Credit Parties Credit Agreement
  AGREEMENT:
  3




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Temporary Overadvance
 Increase in Interest Rate
 No Other Modifications
           4




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5




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BORROWERS:
    
    ASTA FUNDING ACQUISITION I, LLCASTA FUNDING ACQUISITION II, LLCPALISADES COLLECTION, L.L.C.CLIFFS PORTFOLIO ACQUISITION I, LLCPALISADES ACQUISITION I, LLCPALISADES ACQUISITION II, LLCPALISADES ACQUISITION IV, LLCPALISADES ACQUISITION V, LLCPALISADES ACQUISITION VI, LLCPALISADES ACQUISITION VII, LLCPALISADES ACQUISITION VIII, LLCPALISADES ACQUISITION IX, LLCPALISADES ACQUISITION X, LLCSYLVAN ACQUISITION I, LLCOPTION CARD, LLCBy:
Name:
    
    /s/ Mitchell Cohen

Mitchell CohenTitle:
    
    ManagerGUARANTORS:
    
    ASTA FUNDING, INC.By:
    
    /s/ Mitchell CohenName:
    
    Mitchell CohenTitle:
    
    Chief Financial OfficerCOMPUTER FINANCE, LLCASTAFUNDING.COM, LLCASTA COMMERCIAL, LLCVATIV RECOVERY SOLUTIONS, LLCBy:
    
    /s/ Mitchell CohenName:
    
    Mitchell CohenTitle:
    
    Manager




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AGENT:
    
    ISRAEL DISCOUNT BANK OF NEW YORK,as Administrative Agent, Collateral Agent andCo-Lead ArrangerBy:
Name:
    
    /s/ Robert J. Fainelli

Robert J. FainelliTitle:
    
    First Vice PresidentBy:
Name:
    
    /s/ Jeffrey S. Ackerman

Jeffrey S. AckermanTitle:
    
    Senior Vice President




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MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC.,as Co-Administrative Agent and Co-Lead ArrangerBy:
Name:
    
    /s/ Patrick McCarthy

Patrick McCarthyTitle:
    
    Vice Present




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LENDERS:
    
    ISRAEL DISCOUNT BANK OF NEW YORK,as LenderBy:
Name:
    
    /s/ Robert J. Fainelli

Robert J. FainelliTitle:
    
    First Vice PresidentBy:
Name:
    
    /s/ Jeffrey S. Ackerman

Jeffrey S. AckermanTitle:
    
    Senior Vice President




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MERRILL LYNCH BUSINESS FINANCIAL SERVICES INC., as LenderBy:
    
    /s/ Patrick McCarthyPrint Name:
    
    Patrick McCarthyPrint Title:
    
    Vice President




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HARRIS N.A., as LenderBy:
    
    /s/ Robert BombenPrint Name:
    
    Robert BombenPrint Title:
    
    Director




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BANK LEUMI USA, as LenderBy:
    
    /s/ Mary Ellen BiancoPrint Name:
    
    Mary Ellen BiancoPrint Title:
    
    Vice President




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THE BERKSHIRE BANK, as LenderBy:
    
    /s/ Ira A. MermelsteinPrint Name:
    
    Ira A. MermelsteinPrint Title:
    
    Vice President




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HSBC BANK USA, N.A., as LenderBy:
    
    /s/ Richard J. EljasPrint Name:
    
    Richard J. EljasPrint Title:
    
    Vice President




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SIGNATURE BANK, as LenderBy:
    
    /s/ Thomas J. DAntonePrint Name:
    
    Thomas J. DAntonePrint Title:
    
    Senior Lender & Senior Vice President