Exhibit 10.64
 Huntington National Bank Logo
 
 Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20161HU/C030508F/102306




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2
 Trade Date
    
    :
    
    Feb 27, 2008Effective Date
    
    :
    
    Mar 05, 2008Termination Date
    
    :
    
    Mar 05, 2009 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    :
    
    USD 120,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National BankFloating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day Convention




---



##### 



Floating Rate Day Count Fraction
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    :
    
    2.62000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management
Corporat in USDSettlement Instructions to be advisedPayments to Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204




---



##### 



4. OFFICES:The office of the Counterparty for the
Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for theTransaction is:Huntington National Bank
    
    :Huntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO




---



##### 



Huntington National Bank Logo
 
 Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20162HU/C030508G/102308




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2
 Trade Date
    
    :
    
    Feb 27, 2008Effective Date
    
    :
    
    Mar 05, 2008Termination Date
    
    :
    
    Mar 05, 2009 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    :
    
    USD 100,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National Bank




---



##### 



Floating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFloating Rate Gay Count Fraction
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    :
    
    2.62000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management
Corporat in USDSettlement Instructions to be advisedPayments to Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204




---



##### 



4. OFFICES:The office of the Counterparty for the
Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for theTransaction is:Huntington National Bank
    
    :Huntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO




---



##### 



Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20163HU/H030508A/102310




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2
 Trade Date
    
    :
    
    Feb 27, 2008Effective Date
    
    :
    
    Mar 05, 2008




---



##### 



Termination Date
    
    :
    
    Mar 05, 2010 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    :
    
    USD 240,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National BankFloating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFloating Rate Option
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    :
    
    2.79000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONS:Payments to Franklin Credit Management




---



##### 



Corporat in USDSettlement Instructions to be advisedPayments to Huntington National
Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204
 4. OFFICES:The office of the Counterparty for the Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for the
Transaction is:Huntington National Bank
    
    :Huntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    
    
    /s/ Paul Colasono




---



##### 



Name: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO




---



##### 



Huntington National Bank Logo
 
 Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20164HU/H030508B/102312




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2
 Trade Date
    
    :
    
    Feb 27, 2008Effective Date
    
    :
    
    Mar 05, 2008Termination Date
    
    :
    
    Mar 05, 2010 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    :
    
    USD 150,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National Bank




---



##### 



Floating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFloating Rate Option
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    :
    
    2.79000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management
Corporat in USDSettlement Instructions to be advisedPayments to Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204




---



##### 



4. OFFICES:The office of the Counterparty for the
Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for the
Transaction is:Huntington National BankHuntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO




---



##### 



Huntington National Bank Logo
 
 Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20165HU/H030508C/102314




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2
 Trade Date
    
    :
    
    Feb 27, 2008Effective Date
    
    :
    
    Mar 05, 2008




---



##### 



Termination Date
    
    :
    
    Mar 05, 2011 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    :
    
    USD 70,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National BankFloating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFloating Rate Option
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    :
    
    3.11000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management




---



##### 



Corporat in USDSettlement Instructions to be advisedPayments to Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204
 4. OFFICES:The office of the Counterparty for the
Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for theTransaction is:Huntington National BankHuntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation




---



##### 



/s/ Scott Kleinman
    
    
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO




---



##### 



Huntington National Bank Logo
 
 Huntington National Bank
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20166HU/H030508D/102316
    This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.




---



##### 



1
 2
 Trade Date
    
    
    :
    Feb 27, 2008Effective Date
    
    
    :
    Mar 05, 2008Termination Date
    
    
    :
    Mar 05, 2012 subject to adjustment in
accordance with the Modified Following
Business Day ConventionNotional Amount
    
    
    :
    USD 45,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    
    :
    Huntington National BankFloating Rate Payer Payment Dates
    
    
    :
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFloating Rate Option
    
    
    :
    USD-LIBOR-BBADesignated Maturity
    
    
    :
    1 monthSpread
    
    
    :
    NoneFloating Rate Day Count Fraction
    
    
    :
    ACTUAL /360




---



##### 



Reset Dates
    
    
    :
    The first day of each Calculation PeriodCompounding
    
    
    :
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    
    :
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    
    :
    Monthly on the 5th commencing Apr 07,
2008 and ending with the Termination Date
subject to adjustment in accordance with
the Modified Following Business Day
ConventionFixed Rate
    
    
    :
    3.43000 % per annumFixed Rate Day Count Fraction
    
    
    :
    ACTUAL /360Calculation Agent
    
    
    :
    Huntington National BankBusiness Days for Fixings in USD
    
    
    :
    LondonBusiness Days for Payments in USD
    
    
    :
    New York & London3.
    
    CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management Corporat
in USDSettlement Instructions to be advisedPayments to
Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    13000050204
 4. OFFICES:The office of the Counterparty for the
Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National Bank for the
Transaction is:




---



##### 



Huntington National BankHuntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232
   Huntington National Bank
    
    
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: CEO