Document:

Exhibit 10.1

    THIRD
      AMENDMENT TO STOCK PURCHASE AGREEMENT

    

    

    This
      Third Amendment to Stock Purchase Agreement (this "Third Amendment ") is dated
      August 24, 2007 and is by and among Colombia Goldfields, Ltd., a Delaware
      corporation ("Buyer"), RNC (Colombia) Limited, a Belize corporation and its
      wholly owned subsidiary, Compania Minera de Caldas, a Colombian corporation
      ("Caldas"), (together referred to herein as the "Company") and, Investcol
      Limited, a Belize corporation ("Seller"). Certain other capitalized terms used
      herein are defined in the Agreement (defined below).

    

    RECITALS

    

    WHEREAS,
      Buyer, Seller and Company entered into that certain Stock Purchase Agreement
      dated as of January 13, 2006 ("Agreement");

    

    WHEREAS,
      Buyer, Seller and Company entered into those certain First and Second Amendments
      to the Stock Purchase Agreement dated as of August 22, 2006 and December
      14, 2006, respectively;

    and
      

    

    WHEREAS,
      the parties desire to amend the capital stock purchase option provisions
      pursuant to Section 2.3.3 of the Agreement.

    

    TERMS

    

    NOW
      therefore, for $10.00 and other good and valuable consideration, the receipt
      and
      sufficiency of which is hereby conclusively acknowledged, the parties, subject
      to any applicable regulatory approvals, agree as follows:

    

    1. Amendment
      to Section 2.3.3 of the Agreement.
      Section
      2.3.3 of the Agreement is hereby amended and restated in its entirety as
      follows:

    

    2.3.3
      Buyer shall have the option until May 1, 2009 to acquire from Seller 100 Shares
      (constituting 10% of the then issued and outstanding capital stock of Company),
      free and clear of all Encumbrances in exchange for $300,000 and 3,000,000 shares
      of Buyer Common Stock issued to Seller, by delivery to the Seller of notice
      of
      intent to exercise the option in conformity with the terms of the Escrow
      Agreement annexed hereto as Exhibit "1". 

     

    2. Exercise
      of Capital Stock Purchase Option.
      Buyer
      hereby elects to exercise the capital stock purchase option pursuant to Section
      2.3.3 of the Agreement. Upon signing of this Third Amendment, Buyer shall
      deliver to Seller $300,000 and 3,000,000 shares of Buyer Common Stock.

     

    3. Ratification;
      Entire Agreement; Recitals.
      Except
      as
      modified above, all other terms and conditions of the Agreement are ratified
      and
      reaffirmed in their entirety, and shall remain in full force and effect. This
      Third Amendment and the Agreement (including the Schedules attached to the
      Agreement and the Recitals set forth above and in the Agreement) and other
      documents delivered concurrently with the Agreement, contain the entire
      understanding of the parties in respect of its subject matter and supersedes
      all
      prior agreements and understandings (oral or written) between or among the
      parties with respect to such subject matter. 

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    4. Amendment;
      Waiver.
      This
      Third Amendment may not be modified, amended, supplemented, canceled or
      discharged, except by written instrument executed by all parties. 

     

    5. Counterparts;
      Execution by Facsimile.
      This
      Third Amendment may be executed in any number of counterparts and by different
      parties hereto in separate counterparts, each of which when so executed shall
      be
      deemed to be an original and all of which taken together shall constitute one
      and the same Agreement. Delivery of an executed counterpart hereof by facsimile
      shall be effective as manual delivery of an executed counterpart
      hereof.

     

    [Signatures
      Begin on Following Page]

    

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    IN
      WITNESS WHEREOF,
      the
      parties hereto have caused this Third Amendment and Exercise to be executed
      the
      day and year first above written.

     

    
      	COLOMBIA GOLDFIELDS,
              LTD.
	
               

               

               

               

            
	By:
              L. Randall Martin
              
                Title:
                  President

              

            
	 
	
              INVESTCOL LTD. 

            
	
               

               

               

            
	
              By:
                Thomas W. Lough

              Title:
                President

            
	 
	RNC (COLOMBIA)
              LIMITED
	
               

               

               

            
	
              By:
                James Kopperson

              Title:
                Vice President and CFOEX-10.1

Exhibit 10.1

SIXTEENTH AMENDMENT TO

LOAN AGREEMENT AND AMENDMENT TO PLEDGE AND SECURITY AGREEMENT

THIS SIXTEENTH AMENDMENT TO LOAN AGREEMENT AND AMENDMENT TO PLEDGE AND SECURITY AGREEMENT (the
“Amendment”) dated as of August 23, 2007 between NVR MORTGAGE FINANCE, INC., a Virginia corporation
(“Borrower”), and U.S. BANK NATIONAL ASSOCIATION, as agent (the “Agent”) for the Lenders that are
parties to the Loan Agreement referred to below, and U.S. Bank National Association, as a Lender.

WITNESSETH THAT:

WHEREAS, the Borrower, the Lenders and the Agent are parties to a Loan Agreement dated as of
September 7, 1999, as amended by a Consent, Waiver and First Amendment to Loan Agreement dated as
of November 19, 1999, a Second Amendment to Loan Agreement and Second Amendment to Pledge and
Security Agreement dated as of September 1, 2000, a Third Amendment to Loan Agreement dated as of
February 16, 2001, a Fourth Amendment to Loan Agreement dated as of August 31, 2001, a Fifth
Amendment to Loan Agreement dated as of November 1, 2001, a Consent, Waiver and Sixth Amendment to
Loan Agreement dated as of December 14, 2001, a Seventh Amendment to Loan Agreement dated as of May
17, 2002, an Eighth Amendment to Loan Agreement dated as of August 15, 2002, a Ninth Amendment to
Loan Agreement dated as of April 16, 2003, a Tenth Amendment to Loan Agreement dated as of August
28, 2003, an Eleventh Amendment to Loan Agreement dated as of August 26, 2004, a Twelfth Amendment
to Loan Agreement dated as of October 22, 2004 (“Amendment 12”), a Thirteenth Amendment to Loan
Agreement dated as of August 25, 2005, a Fourteenth Amendment to Loan Agreement dated as of
December 15, 2005 and a Fifteenth Amendment to Loan Agreement dated as of August 24, 2006 (as so
amended, the “Loan Agreement”), pursuant to which the Lenders provide the Borrower with a revolving
mortgage warehousing credit facility,

WHEREAS, the Borrower and the Agent are parties to a Pledge and Security Agreement dated as of
September 7, 1999, as amended from time to time (as so amended, the “Security Agreement”);

WHEREAS, the Borrower has requested certain changes in the Loan Agreement and the Security
Agreement the Lenders are willing to make the such changes upon the terms and subject to the
conditions hereof.

NOW, THEREFORE, for value received, the receipt and sufficiency of which are hereby
acknowledged, the Borrower, the undersigned Lenders and the Agent agree as follows:

1. Certain Defined Terms. Each capitalized term used herein without being defined
herein that is defined in the Loan Agreement shall have the meaning given to it therein.

2. Amendments to Loan Agreement and to the Security Agreement. The Loan Agreement is
hereby amended as follows:

(a) Schedule 1.1(a) to the Loan Agreement is hereby amended and restated to read as set
forth in Exhibit A attached hereto.

(b) The definition of “Borrowing Base” in Section 1.1 of the Loan Agreement is
hereby amended by renumbering existing clause (viii) as clause (vii), renumbering existing
clause (ix) as clause (viii) (this is to correct misnumbering that was in the Loan Agreement
as originally executed and as added by Amendment 12).

(c) The definition of “Borrowing Base” in Section 1.1 of the Loan Agreement is
further amended by amending clause (ii) thereof in its entirety to read as follows:

(ii) Second Lien Loans (including HELOC Loans), Alt-A Loans and Subrpime Loans shall be
excluded from the Borrowing Base,

(d) The following new Clause (r) is added at the end of the definition of “Eligible
Mortgage Loan” in Section 1.1 of the Loan Agreement (and the word “and” is deleted after
the semi-colon at the end of Clause (p) of such definition and is inserted at the end of
Clause (q) of such definition after insertion of a semi-colon and deletion of the period at
the end of such Clause (q)):

(r) that is not a Second Lien Loan, HELOC Loan, Alt-A Loan or Subprime Loan.

(e) The definition of “Jumbo Loan” in Section 1.1 of the Loan Agreement is amended in
its entirety to read as follows:

Jumbo Loan means a Mortgage Loan, the original principal amount of which is greater
than the Maximum Conforming Amount but no greater than $1,000,000, which complies with all
applicable requirements for purchase under the FNMA or FHLMC standard form of conventional
mortgage purchase contract then in effect, except that the amount of such loan is greater
than the maximum loan amount under such requirements, which is fully documented and which is
the subject of a Take-out Commitment from an Investor that is a depository institution or
Countrywide.

(f) The definition of “L/C” in Section 1.1 of the Loan Agreement is amended in
its entirety to read as follows:

“L/C” means a standby letter of credit (a) to be used as performance bonds when selling
servicing (in lieu of holdbacks) or in potential purchases of production, (b) having a
maturity of no more than 12 months from date of issuance (to be cash collateralized if the
Commitments are not extended to a date past the maturity of any such L/C), (c) issued by
Agent for Borrower’s account under Section 2.1(e) and an L/C Agreement, and (d) subject to
the L/C Advance Limit.

(g) The definition of “Mortgage Loan” in Section 1.1 of the Loan Agreement is
amended in its entirety to read as follows:

“Mortgage Loan” means an FHA Loan, VA Loan, Conforming Loan, Investment Mortgage Loan,
Construction Loan, Lot Loan, Jumbo Loan, Super Jumbo Loan, Alt-A Loan, Second Lien Loan,
HELOC Loan, Subprime Loan or Forty Year Loan (i) which is secured by a Mortgage and, except
in the case of Forty Year Loans, has a maximum term to maturity of thirty years and (ii) is
not a commercial loan or, except as otherwise permitted by this Agreement, a construction
loan.

(h) The definition of “Scheduled Termination Date” in Section 1.1 of the Loan
Agreement is amended in its entirety to read as follows:

“Scheduled Termination Date” means August 21, 2008.

(i) The definition of “Super Jumbo Loan” in Section 1.1 of the Loan Agreement
is amended by adding the following phrase at the end thereof before the period:

, which is fully documented and which is the subject of a Take-out Commitment from an
Investor that is a depository institution or Countrywide

(j) The following definitions of “Alt-A Loan”, “Countrywide”,
“HELOC Loan”, “Subprime Loan” are added to Section 1.1 of the Loan Agreement
in appropriate alphabetical order:

“Alt-A Loan” means a Mortgage Loan that is not eligible for an Agency Commitment, is
not an FHA Loan or a VA Loan, and that is underwritten and documented in a manner that would
qualify such Mortgage Loan as an Alt-A Loan under standards of a specified Investor.

“Countrywide” means Countrywide Home Loans, Inc., and each of its Affiliates or
Subsidiaries.

“HELOC Loan” means a home equity line of credit that is a Second Lien Loan.

“Subprime Loan” means a Mortgage Loan (excluding Jumbo Loans and Super Jumbo Loans)
that is not eligible for an Agency Commitment, is not an FHA Loan or a VA Loan, and that is
underwritten and documented in a manner that would qualify such Mortgage Loan as a Subprime
Loan under standards of a specified Investor.

(k) The definition of “LIBOR” in Section 1.1 of the Loan Agreement is amended
to delete therefrom the phrase “Reuters Screen LIBOR page” and to insert in its place the
phrase “Reuters Screen LIBOR01 Page, and any successor thereto,”

(l) Schedule 1.1(b) to the Loan Agreement (the list of Investors) is amended and
restated in its entirety to read as Schedule 1.1(b) attached hereto.

(m) Section 4.02(f) of the Security Agreement is amended in its entirety to read as
follows:

(f) a Transmittal Letter listing all documents being delivered to the Agent, but the absence
of a Transmittal Letter shall not affect the validity or effectiveness of the delivery of the other
Principal Mortgage Documents to the Agent.

3. Conditions to Effectiveness of this Amendment. This Amendment shall be effective
as of the date first above written (the “Effective Date”), provided the Agent shall have received
at least nine (9) counterparts of this Amendment each duly executed by the Borrower and the
undersigned Lenders, and the following conditions are satisfied:

(a) Before and after giving effect to this Amendment, the representations and
warranties of the Borrower in Section 5 of the Loan Agreement and Section 5 of the Security
Agreement shall be true and correct as though made on the date hereof, except to the extent
such representations and warranties by their terms are made as of a specific date and except
for changes that are permitted by the terms of the Loan Agreement.

(b) Before and after giving effect to this Amendment, no Event of Default and no
Default shall have occurred and be continuing.

(c) Other than general market conditions affecting the mortgage markets, no material
adverse change in the business, assets, financial condition or prospects of the Borrower
shall have occurred since June 30, 2007.

(d) The Agent shall have received the following, each duly executed or certified, as
the case may be, and dated as of the date of delivery thereof:

(i) a copy of resolutions of the Board of Directors of the Borrower, certified
by its respective Secretary or Assistant Secretary, authorizing or ratifying the
execution, delivery and performance of this Amendment;

(ii) a certified copy of any amendment or restatement of the Articles of
Incorporation or the Bylaws of the Borrower made or entered following the date of
the most recent certified copies thereof furnished to the Lenders;

(iii) a Committed Warehousing Promissory Note for each Lender; and

(iv) such other documents, instruments and approvals as the Agent may
reasonably request.

4. Acknowledgments. The Borrower and the undersigned Lenders each acknowledge that,
as amended hereby, the Loan Agreement remains in full force and effect with respect to the Borrower
and the Lenders, and that each reference to the Loan Agreement in the Loan Documents shall refer to
the Loan Agreement, as amended hereby. The Borrower confirms and acknowledges that it will
continue to comply with the covenants set out in the Loan Agreement and the other Loan Documents,
as amended hereby, and that its representations and warranties set out in the Loan Agreement and
the other Loan Documents, as amended hereby, are true and correct as of the date of this Amendment,
except to the extent such representations and warranties by their terms are made as of a specific
date and except for changes that are permitted by the terms of the Loan Agreement. The Borrower
represents and warrants that (i) the execution, delivery and performance of this Amendment is
within its corporate powers and have been duly authorized by all necessary corporate action; (ii)
this Amendment has been duly executed and delivered by the Borrower and constitutes the legal,
valid and binding obligations of the Borrower, enforceable against the Borrower in accordance with
its terms (subject to limitations as to enforceability which might result from bankruptcy,
insolvency, or other similar laws affecting creditors’ rights generally and general principles of
equity) and (iii) no Events of Default or Default exist.

5. Exiting Lenders On the Effective Date, the aggregate unpaid principal amount of
Loans made by JPMorgan Chase Bank and Guaranty Bank (the “Exiting Lenders”) under the Loan
Agreement and related Notes, together with all interest, fees and other amounts, if any, payable to
the Exiting Lenders thereunder as of the Effective Date (the “Payoff Amount”), shall be repaid in
full from the proceeds of Loans made by the remaining Lenders, and the Commitment of the Exiting
Lenders under the Loan Agreement shall terminate. The Agent shall distribute to the Exiting Lenders
by no later than 3:00 P.M. (Minneapolis time) on the Effective Date out of the proceeds of Loans
made for such purpose the amount required to pay the Exiting Lenders the Payoff Amount in full,
whereupon the Exiting Lenders shall no longer be a party to the Loan Agreement other than in
respect of rights to indemnities and similar rights (including, without limitation, pursuant to
Sections 2.1(a), 2.10(b) and 10.1 of the Loan Agreement) for events occurring or matters relating
to the period prior to the Effective Date.

6. General.

(a) The Borrower agrees to reimburse the Agent upon demand for all reasonable expenses
(including filing and recording costs and fees, charges and disbursements of outside counsel
to the Agent (determined on the basis of such counsel’s generally applicable rates, which
may be higher than the rates such counsel charges the Agent in certain matters) and/or the
allocated costs of in-house counsel incurred from time to time) incurred by the Agent in the
preparation, negotiation and execution of this Amendment and any other document required to
be furnished herewith, and to pay and save the Lenders harmless from all liability for any
stamp or other taxes which may be payable with respect to the execution or delivery of this
Amendment, which obligations of the Borrower shall survive any termination of the Loan
Agreement.

(b) This Amendment may be executed in several counterparts, each of which, when so
executed, shall be deemed an original but all such counterparts shall constitute but one and
the same instrument.

(c) Any provision of this Amendment which is prohibited or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining portions hereof or
affecting the validity or enforceability of such provisions in any other jurisdiction.

(d) This Amendment shall be governed by, and construed in accordance with, the internal
law, and not the law of conflicts, of the State of Minnesota, but giving effect to federal
laws applicable to national banks.

(e) This Amendment shall be binding upon the Borrower, the Lenders, the Agent and their
respective successors and assigns, and shall inure to the benefit of the Borrower, the
Lenders, the Agent and the successors and assigns of the Lenders and the Agent.

[Remainder of page intentionally left blank.]

1

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of
the day and year first above written.

NVR MORTGAGE FINANCE, INC.

	 	 	 
	By:

Its:

	 	/s/ Robert W. Henley

Vice President

2

	 	 	U.S. BANK NATIONAL ASSOCIATION, as

Agent and Lender

	 	 	 
	By:

Its:

	 	/s/ William J. Umscheid

Vice President

3

	 	 	NATIONAL CITY BANK, as successor by merger to
NATIONAL CITY BANK OF

KENTUCKY

	 	 	 
	By:

Its:

	 	/s/ Mary Jo Reiss

Vice President

4

	 	 	COMERICA BANK

	 	 	 
	By:

Its:

	 	/s/ Paul G. Dufault

Vice President

5

	 	 	WASHINGTON MUTUAL BANK, F.A.

	 	 	 
	By:

Its:

	 	/s/ Brad Johnson

Vice President

6

	 	 	JPMORGAN CHASE BANK

(Exiting Lender)

	 	 	 
	By:

Its:

	 	/s/ Cynthia E. Crites

Executive Director

7

	 	 	GUARANTY BANK

(Exiting Lender)

	 	 	 
	By:

Its:

	 	/s/ Ross Evans

Vice President

8

	 	 	Exhibit A-Schedule 1.1(a)

Commitment Schedule as of the Effective Date

	 	 	 	 	 
	 	 	Commitment
	Lender	 	Amount
	 
	 	 	 	 
	U.S. Bank National Association
Mortgage Banking Services
U.S. Bank Place
800 Nicollet Mall
Mail Station BC-MN-H03B
Minneapolis, Minnesota 55402
Attention: William Umscheid
Telephone: 612-303-3575
Telecopy: 612-303-2253
	 	$	55,750,000	 
	 
	 	 	 	 
	Comerica Bank
Comerica Tower at Detroit Center
500 Woodward Avenue
Detroit, MI 48226
Attention: Steve D. Clear
Telephone: 313-222-3042
Telecopy: 313-222-9295
	 	$	30,000,000	 
	 
	 	 	 	 
	National City Bank
101 South 5th Street
Louisville, KY 40202
Attention: Mary Jo Reiss
Telephone: 502-581-4197
Telecopy: 502-581-4154
	 	$	25,000,000	 
	 
	 	 	 	 
	Washington Mutual Bank FA
20 North Wacker Drive, Suite 3410
Chicago, IL 60606
Attn: Rodney Davis
Telecopy: 312-782-3731
	 	$	14,250,000	 
	 
	 	 	 	 
	TOTAL
	 	$	125,000,000	 
	 
	 	 	 	 

9

Schedule 1.1(b) Approved Investors

	 	 	 
	NVR Mortgage Finance Inc. Approved Investor List
	Depository Institutions	 	GSE / Other
	Astoria Federal Savings and Loan

	 	Bayview Financial
	Aurora Loan Services (Lehman)

	 	Countrywide Home Loans, Inc.
	JPMorgan Chase

	 	Fannie Mae (FNMA)
	Chase Manhattan Mortgage

	 	First Horizon Home Loans
	Citimortgage, Inc.

	 	Freddie Mac (FHLMC)
	Dollar Bank FSB

	 	Ginnie Mae (GNMA)
	E-Trade Bank

	 	GMAC-RFC
	EMC Mortgage (Bear Stearns)

	 	Greenwich Capital
	Morgan Stanley Dean Whitter

	 	Morgan Stanley Dean Whitter
	National City Mortgage

	 	Solomon Smith Barney, Inc.
	Regions Mortgage, Inc.

	 	Jefferies and Company
	U.S. Bank Home Mortgage

	 	Mesirow Financial Inc.
	Wachovia Mortgage

	 	Wachovia
	Washington Mutual

	 	Bear Stearns
	Wells Fargo

	 	AVM, LP
	UBS

	 	UBS
	Ohio Savings Bank

	 	

	Sovereign Bank

	 	

	Sun Trust Bank

	 	

	Taylor, Bean, & Whitaker

	 	

	
 
	 	Housing Opportunities Commission
	
 
	 	Maryland Community Development
	
 
	 	North Carolina Housing Finance
	
 
	 	New Jersey Housing Finance
	
 
	 	Pennsylvania Housing Finance
	
 
	 	South Caroline Housing Finance
	
 
	 	State of New York Mortgage Agency
	
 
	 	Tennessee Housing Finance
	
 
	 	West Virginia Housing Finance
	
 
	 	Virginia Housing Finance
	
 
	 	Michigan Housing Finance
	
 
	 	Florida Housing Finance
	
 
	 	All additional state funded bond programs
	
 
	 	 

10

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