Document:

Q3 2002 Exhibit 10.33

Exhibit 10.33

AMENDMENT NUMBER ONE

to the

Master Loan and Security Agreement

Dated as of March 21, 2002

by and between

E-LOAN, INC.

and

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

This AMENDMENT NUMBER ONE is made this 1st day of July,
2002, by and between E-LOAN, INC., having an address at 5875 Arnold Road,
Dublin, California 94568 (the "Borrower") and GREENWICH CAPITAL
FINANCIAL PRODUCTS, INC., having an address at 600 Steamboat Road, Greenwich,
Connecticut 06830 (the "Lender"), to the Master Loan and
Security Agreement, dated as of March 21, 2002, by and between the Borrower and
the Lender (the "Agreement").  Capitalized terms used but not
otherwise defined herein shall have the meanings assigned to such terms in the
Agreement.

RECITALS

WHEREAS, the Borrower has requested that the Lender
agree to amend the Agreement to modify the definition of "High LTV
Loan" therein;

WHEREAS, the Borrower and the Lender have agreed to
amend the Agreement as set forth herein.

NOW THEREFORE, for good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, and for the mutual
covenants herein contained, the parties hereto hereby agree as follows:

SECTION 1.Effective as of July 1, 2002, Section 1 of
the Agreement is hereby amended by deleting the definition of High LTV Loan and
replacing it with the following:  

"High LTV Loan" shall mean a Mortgage Loan
which, in the case of a First Lien Mortgage Loan, had a Loan-to-Value Ratio at
origination in excess of 95%, but not greater than 107%, and in the case of a
Second Lien Mortgage Loan, had a combined loan-to-value ratio at origination in
excess of 100%, but not greater than 125% and, in either case, was underwritten
in accordance with the applicable Underwriting Guidelines.

SECTION 2.Effective as of July 1, 2002,
representation (o) on Schedule 1 to the Agreement is hereby amended to read in
its entirety as follows:  

(o)LTV.  As of the date of origination of the
Mortgage Loan, the LTV and, with respect to any Second Lien Mortgage Loan,
combined loan-to-value ratio, is identified on the Mortgage Loan Data
Transmission; provided that, the LTV of any First Lien Mortgage Loan does not
exceed 107% and the combined loan-to-value ratio of any Second Lien Mortgage
Loan does not exceed 125%.

SECTION 3.  Defined Terms.  Any terms
capitalized but not otherwise defined herein shall have the respective meanings
set forth in the Agreement.

SECTION 4.  Limited Effect.  Except as amended
hereby, the Agreement shall continue in full force and effect in accordance with
its terms.  Reference to this Amendment need not be made in the Agreement or any
other instrument or document executed in connection therewith, or in any
certificate, letter or communication issued or made pursuant to, or with respect
to, the Agreement, any reference in any of such items to the Agreement being
sufficient to refer to the Agreement as amended hereby.

SECTION 5.  Representations.  In order to
induce the Lender to execute and deliver this Amendment Number One, the Borrower
hereby represents to the Lender that as of the date hereof, the Borrower is in
full compliance with all of the terms and conditions of the Agreement and no
Default or Event of Default has occurred and is continuing under the
Agreement.

SECTION 6.  Governing Law. This Amendment
Number One shall be 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 without regard to conflict of laws
doctrine applied in such state (other than Section 5-1401 of the New York
General Obligations Law).

SECTION 7.  Counterparts.  This Amendment
Number One may be executed by each of the parties hereto on any number of
separate counterparts, each of which shall be an original and all of which taken
together shall constitute one and the same instrument.

 

[REMAINDER OF THIS PAGE LEFT INTENTIONALLY BLANK]

 

 

 

IN WITNESS WHEREOF, the Borrower and the Lender have
caused this Amendment Number One to be executed and delivered by their duly
authorized officers as of the day and year first above written.

E-LOAN, INC.
(Borrower)

 

By: ____________________

Name:

Title:

 

GREENWICH CAPITAL FINANCIAL PRODUCTS. INC. 

(Lender)

 

By: ____________________

Name:

Title:Q3 2002 Exhibit 10.34

Exhibit 10.34

 

EIGHTH MODIFICATION AGREEMENT

THIS EIGHTH MODIFICATION AGREEMENT (the "Agreement") is
made as of the 31st day of July, 2002, by and among E-LOAN, INC. (the
"Borrower"), and GMAC Bank, a federal saving bank (the "Lender").

BACKGROUND

The Borrower and the Lender entered into a Warehouse
Credit Agreement, dated as of November 1, 2001, as amended (as so amended,
the "Warehouse Credit Agreement") pursuant to which the Lender agreed to make
advances (the "Advances") to the Borrower in accordance with the provisions of
the Warehouse Credit Agreement.  All capitalized terms used herein and not
otherwise defined shall have the meanings set forth in the Warehouse Credit
Agreement.

The Advances are evidenced by the Borrower's Amended and
Restated Note, dated as of December 17, 2001 (the "Note") in the stated
principal amount of $70,000,000 and secured by, among other things, a Warehouse
Security Agreement dated as of November 1, 2001, as amended (as so amended,
the "Warehouse Security Agreement") between the Borrower and the Lender granting
the Lender a security interest in certain of the Borrower's assets.

The Borrower has requested that the Lender make certain
modifications to the terms of the Warehouse Credit Agreement, and the Lender has
agreed to such modification, subject to the terms and conditions of this
Agreement.

NOW, THEREFORE, the parties hereto, intending to be legally
bound hereby, agree as follows:

	Warehouse Credit
Agreement.  The Warehouse Credit Agreement is hereby amended as
follows:

	The definition of "Commitment"
contained in Section 1.01 of the Warehouse Credit Agreement is amended to
read in full as follows:

"'Commitment' shall mean the obligation of the
Lender to make Advances in an aggregate principal amount outstanding at any time
not to exceed $50,000,000, or such other amount as Lender, in its sole
discretion, may determine from time to time, provided however, that during the
period of July 31, 2002 through September 30, 2002, Commitment shall
not exceed $70,000,000."

	References to Credit
Documents.  Upon the effectiveness of this Agreement:

	Each reference in the Warehouse
Credit Agreement to "this Agreement," "hereunder," "hereof," "herein" or words
of like import, and each reference in the Restated Note and the Warehouse
Security Agreement to the Warehouse Credit Agreement, shall mean and be a
reference to the Warehouse Credit Agreement as amended hereby;

	Each reference in the Warehouse Credit Agreement and the
Warehouse Security Agreement to the Note shall mean and be a reference to the
Restated Note; and

	Each reference in the Warehouse Credit Agreement and the
Note to the Warehouse Security Agreement shall mean and be a reference to the
Warehouse Security Agreement as amended hereby.

	Ratification of Documents.

	Except as specifically amended
herein or amended and restated in the Restated Note, the Warehouse Credit
Agreement, the Note and the Warehouse Security Agreement shall remain unaltered
and in full force and effect and are hereby ratified and confirmed.

	The execution, delivery and effectiveness of this
Agreement and the Restated Note shall not, except as expressly provided herein,
operate as a waiver of any right, power or remedy of the Lender under the
Warehouse Credit Agreement, the Note or the Warehouse Security Agreement nor
constitute a waiver of any default or Event of Default under the Warehouse
Credit Agreement, the Note or the Warehouse Security Agreement.

	Representations and Warranties. The
Borrower hereby certifies that (i) the representations and warranties which
it made in the Warehouse Credit Agreement and the Warehouse Security Agreement
are true and correct as of the date hereof and (ii) no Event of Default and
no event which could become an Event of Default with the passage of time or the
giving of notice, or both, under the Note, the Warehouse Credit Agreement or the
Warehouse Security Agreement exists on the date hereof.

	Miscellaneous.

	This Agreement shall be governed by
and construed according to the laws of the State of Delaware without regard to
principles of conflicts of laws and shall be binding upon and shall inure to the
benefit of the parties hereto, their successors and assigns.

	This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

	This Agreement is intended to take effect as a document
under seal.

IN WITNESS WHEREOF, the parties hereto have executed
this Agreement as of the day and year first above written.
E-LOAN, INC.
By: __________________________

President

GMAC BANK

By: __________________________

Title: _________________________Q3 2002 Exhibit 10.35

Exhibit 10.35

SECOND Amended and restated NOTE

	
U S $150,000,000
	
Amended and Restated as of August 21, 2002

 

FOR VALUE RECEIVED, E-LOAN, INC., a corporation organized
and existing under the laws of California (the "Borrower"), hereby
promises to pay to the order of GMAC Bank, a federal savings bank (the
"Lender"), in lawful money of the United States of America in
immediately available funds on the Expiry Date (as defined in the Warehouse
Credit Agreement) the principal sum of ONE HUNDRED FIFTY MILLION United States
dollars ($150,000,000), or, if less, the aggregate unpaid principal amount of
all Advances (as defined in the Warehouse Credit Agreement) made by the Lender
to the Borrower pursuant to the Warehouse Credit Agreement.

The Borrower promises also to pay interest on the unpaid
principal amount of each Advance from the date such Advance is made until paid
in full, at the interest rates, and at the times, as specified in the Warehouse
Credit Agreement.

This Second Amended and Restated Note ("Second Amended
and Restated Note"), amends, restates and supersedes all prior notes,
including that certain Note dated November 1, 2001 in the amount of $25,000,000
("Original Note"), as amended and restated from time to time.  The
Original Note as amended and restated from time to time shall collectively be
referred to as the "Note".  However, the Second Amended and Restated
Note shall in no way extinguish the Borrower's unconditional obligation to repay
all indebtedness evidenced by the Original Note, as amended from time to time.
The Note referred to in the Warehouse Credit Agreement, dated as of November 1,
2001 ("Warehouse Credit Agreement").  This Note is secured by the
Warehouse Security Agreement.

 This Note is subject to mandatory prepayment as provided in
Section 4.02 of the Warehouse Credit Agreement and, in case an Event of Default
(as defined in the Warehouse Credit Agreement) shall occur and be continuing,
the principal of and accrued interest on this Note may be declared to be due and
payable in the manner and with the effect provided in the Warehouse Credit
Agreement.

The Borrower hereby waives diligence, presentment, protest, demand or notice
of every kind in connection with this Note.

THIS NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAW OF
THE STATE OF DELAWARE WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF
LAWS.
E-LOAN, INC.

By: __________________________

Name: 

Title:

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00045-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00045-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00045-of-00352.parquet"}]]