Document:

[Wells Fargo Foothill, Inc. letterhead]

                                December 29, 2005

ADVANCED MARKETING SERVICES, INC.
5880 Oberlin Drive
San Diego, California 92121
Attn:  Curt Smith, Chief Financial Officer

         Re:      Loan and Security Agreement, dated as of April 27, 2004 (as
                  amended and modified, from time to time, the "Agreement";
                  initially capitalized terms used but not defined herein shall
                  have the meanings ascribed to such terms in the Agreement), by
                  and among, on the one hand, Advanced Marketing Services, Inc,
                  Publishers Group, Incorporated and Publishers Group West,
                  Incorporated (collectively, "Borrowers"), and, on the other
                  hand, the lenders identified on the signatures pages to the
                  Agreement ("Lenders"), and Wells Fargo Foothill, Inc.
                  ("Agent"), as the arranger and administrative agent for the
                  Lenders.

Dear Curt:

         Pursuant to Section 6.3(d) of the Agreement, Borrowers are required to
deliver to Agent, with copies to each Lender, certain consolidated financial
statements of Parent and its Subsidiaries for each fiscal year, audited by
independent certified public accountants. Borrowers hereby request and Agent and
the Lenders hereby agree, effective December 30, 2005, to (x) extend to January
31, 2006 the date that the Borrowers are required to deliver such financial
statements for Parent's fiscal year ending March 31, 2004, and (y) extend to
March 31, 2006 the date that the Borrowers are required to deliver such
financial statements for Parent's fiscal year ending March 31, 2005.

         Borrowers acknowledge and agree that their failure to satisfy all of
the above requirements of such Section prior to the above deadlines shall
constitute an Event of Default under the Agreement.

         The waivers, amendments, and extensions herein are limited to the
specifics hereof, shall not apply with respect to any Default or Event of
Default, or any other facts or occurrences other than those on which the same
are based, shall not excuse future non-compliance with the Agreement, and,
except as expressly set forth herein, shall not operate as a waiver or an
amendment of any right, power, or remedy of Agent, nor as a consent to or waiver
of any further or other matter, under the Loan Documents.

         This letter shall constitute a Loan Document and shall be subject to
the provisions regarding governing law, waiver of jury trial, jurisdiction and
venue applicable to the Agreement.

         This waiver letter may be executed in any number of counterparts and by
different parties hereto in separate counterparts, each of which when so
executed and delivered shall be an original, but all of which shall together
constitute one and the same instrument. Delivery of an executed counterpart of
this letter by telefacsimile shall be equally as effective as delivery of an
original executed counterpart of this letter. Any party delivering an executed
counterpart of this letter by telefacsimile shall also deliver an original
executed counterpart of this letter, but the failure to do so shall not affect
the validity, enforceability or binding effect of this letter. This letter shall
be governed by the laws of the state of California applicable to contracts made
and to be performed in the state of California.
<PAGE>

         Please sign and return to the undersigned a copy of this letter
confirming your receipt of this letter and your agreement to the extended
compliance date outlined herein.

                                     Very truly yours,

                                     WELLS FARGO FOOTHILL, INC.,
                                     as Agent and a Lender

                                     By:      /s/ Daniel Whitwer
                                        ----------------------------------------
                                              Daniel Whitwer, Vice President

<PAGE>

ACKNOWLEDGED AND ACCEPTED:

ADVANCED MARKETING SERVICES, INC.

By:      /s/ Curtis R. Smith
   --------------------------------------------------
Name     Curtis R. Smith
    -------------------------------------------------
Title:   EVP & CFO
      -----------------------------------------------

PUBLISHERS GROUP, INCORPORATED

By:      /s/ Curtis R. Smith
   --------------------------------------------------
Name     Curtis R. Smith
    -------------------------------------------------
Title:   EVP & CFO
      -----------------------------------------------

PUBLISHERS GROUP WEST, INCORPORATED

By:      /s/ Richard C. Freese
   --------------------------------------------------
Name     Richard C. Freese
    ----------------------------------------
Title:   President
      -----------------------------------------------

<PAGE>

LASALLE BUSINESS CREDIT, LLC

By:
   --------------------------------------------------
Name
    -------------------------------------------------
Title:
      -----------------------------------------------

MARATHON STRUCTURED FINANCE FUND L.P.

By:
   --------------------------------------------------
Name
    -------------------------------------------------
Title:
      -----------------------------------------------

CAPITALSOURCE FINANCE LLC

By:      /s/ Mark Fidati
   --------------------------------------------------
Name     Mark Fidati
    -------------------------------------------------
Title:   Portfolio Manager
      -----------------------------------------------Amendment

_____________________________________

AMENDMENT NO. 1

Dated as of June 1, 2005

to

POOLING AND SERVICING AGREEMENT

Dated as of April 1, 2004

among

CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.,

Depositor,

DLJ MORTGAGE CAPITAL, INC.,

Seller,

OCWEN FEDERAL BANK FSB,

Servicer

WELLS FARGO BANK, N.A.,

Servicer and Back-Up Servicer

THE MURRAYHILL COMPANY,

Credit Risk Manager

and

U.S. BANK NATIONAL ASSOCIATION,

Trustee

Home Equity Asset Trust 2004-3

HOME EQUITY PASS-THROUGH CERTIFICATES, SERIES 2004-3

______________________________________

THIS AMENDMENT NO. 1, dated as of June 1, 2005 (the “Amendment”), to the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of April 1, 2004, among CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP., a Delaware corporation, as depositor (the “Depositor”), DLJ MORTGAGE CAPITAL, INC., a Delaware corporation, as seller (in such capacity, the “Seller”), WELLS FARGO BANK, N.A. (as successor in interest to Wells Fargo Home Mortgage, Inc.), a national banking association, as a servicer (in such capacity, a “Servicer”), OCWEN FEDERAL BANK FSB, a federally chartered savings bank, as a servicer (in such capacity, a “Servicer”), WELLS FARGO BANK, N.A., a national banking association, as back-up servicer (the “Back-Up Servicer”), THE MURRAYHILL COMPANY, a Colorado corporation, as credit risk manager (the “Credit Risk Manager”), and U.S. BANK NATIONAL ASSOCIATION, a national banking association, as trustee (the “Trustee”) and consented to by FINANCIAL SECURITY ASSURANCE INC., a New York stock insurance company, as certificate insurer (the “Certificate Insurer”).

W I T N E S S E T H

WHEREAS, the Seller, the Servicers, the Depositor, the Credit Risk Manager, the Back-Up Servicer, and the Trustee entered into the Pooling and Servicing Agreement;

WHEREAS, Section 10.01(a)(vi) of the Pooling and Servicing Agreement permits amendments to the Pooling and Servicing Agreement to modify, alter, amend, add to or rescind any of the terms or provisions contained in the Pooling and Servicing Agreement, provided that the Rating Agencies confirm that the Amendment will not result in the downgrading or withdrawal of the respective ratings then assigned to the Certificates;

WHEREAS, the Depositor has received a letter from each Rating Agency, copies of which are attached hereto as Exhibit A, stating that the Amendment will not result in a downgrading or withdrawal of the respective ratings then assigned to the Certificates;

NOW, THEREFORE, the parties hereto hereby agree as follows:

I.

Defined Terms.

For purposes of this Amendment, unless the context clearly requires otherwise, all capitalized terms which are used but not otherwise defined herein shall have the respective meanings assigned to such terms in the Pooling and Servicing Agreement.

II.

Amendments to Article VII.

The third paragraph of Section 7.01 is hereby amended as follows:

(i)

The words “or an Event of Default set forth in clause (iv) above” in the first sentence is hereby deleted.

The fourth paragraph of Section 7.01 is hereby amended as follows:

(i)

The words “or an Event of Default set forth in clause (iv) occurs” in the first sentence is hereby deleted.

III.

Binding Effect.

The provisions of this Amendment shall be binding upon and inure to the benefit of the respective successors and assigns of the parties hereto, and all such provisions shall inure to the benefit of the Seller, Servicers, the Back-Up Servicer, Credit Risk Manager, Depositor and Trustee.

IV.

Effective Date.

The provisions of this Amendment and the changes to the Pooling and Servicing Agreement provided for herein shall be effective as of June 1, 2005.

V.

Governing Law.

This Amendment shall be construed in accordance with the substantive laws of the State of New York (without regard to conflict of law principles) and the obligations, rights and remedies of the parties hereto shall be determined in accordance with such laws.

VI.

Severability of Provisions.

If any one or more of the provisions or terms of this Amendment shall be for any reason whatsoever held invalid, then such provisions or terms shall be deemed severable from the remaining provisions or terms of this Amendment and shall in no way affect the validity or enforceability of the other provisions or terms of this Amendment.

VII.

Section Headings.

The section headings herein are for convenience of reference only, and shall not limit or otherwise affect the meaning hereof.

VIII.

Counterparts.

This Amendment may be executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument.

[signature pages follow]

IN WITNESS WHEREOF, the Depositor, the Trustee, the Seller, the Servicers, the Back-Up Servicer and the Credit Risk Manager have caused their names to be signed hereto by their respective officers thereunto duly authorized as of the day and year first above written.

CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.,

as Depositor

By:                   /s/ Peter J. Sack

Name: Peter J. Sack

Title: Vice President 

DLJ MORTGAGE CAPITAL, INC.,

as Seller

By:                    /s/ Kevin Steele

Name: Kevin Steele

Title: Vice President

WELLS FARGO BANK, N.A.,

as a Servicer

By:                   /s/ Ruth M. Kovalski 

Name: Ruth M. Kovalski

Title: Vice President

OCWEN FEDERAL BANK FSB,

as a Servicer

By:                   /s/ Richard Delgado 

Name: Richard Delgado

Title: Vice President

[signature page continues on following page]

THE MURRAYHILL COMPANY,

as Credit Risk Manager

By:                 /s/ Kevin J. Kanouff 

Name: Kevin J. Kanouff

Title: President

WELLS FARGO BANK, N.A.,

as Back-Up Servicer

By:                   /s/ Diane E. TenHoopen

Name: Diane E. TenHoopen

Title: Vice President

U.S. BANK NATIONAL ASSOCIATION,

as Trustee

By:                   /s/ Becky Warren 

Name: Becky Warren

Title: Assistant Vice President

Consented to:

By:           /s/ Steven M. Tremblay 

Name: Steven M. Tremblay

Title: Director

Exhibit A

[Rating Confirmations from Rating Agencies]

[ON FILE]

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