Document:

First Omnibus Amendment to the Second Amended and Restated Loan Agreement

 Exhibit 10.1 
 FIRST OMNIBUS AMENDMENT 
 THIS FIRST OMNIBUS AMENDMENT (this “Amendment”), dated as
of December [ ], 2006, by and among CH FUNDING, LLC, a Delaware limited liability company (the “Borrower”), as the Borrower, ATLANTIC ASSET SECURITIZATION LLC, a Delaware limited liability company (“Atlantic”), as
an Issuer, LA FAYETTE ASSET SECURITIZATION LLC, a Delaware limited liability company (“La Fayette”), as an Issuer, FALCON ASSET SECURITIZATION COMPANY LLC, a Delaware limited liability company (“Falcon”), as an
Issuer, BARTON CAPITAL LLC, a Delaware limited liability company (“Barton”), as an Issuer, LIBERTY STREET FUNDING CORP., a Delaware corporation (“Liberty”), as an Issuer, CHARTA, LLC, a Delaware limited liability
company (“CHARTA”), as an Issuer, YC SUSI TRUST, a Delaware statutory trust (“YC”), as an Issuer, CALYON NEW YORK BRANCH (“Calyon New York”), as a Bank, as the Administrative Agent and as a Managing
Agent, JPMORGAN CHASE BANK, N.A. (“JPMorgan”), as a Bank and as a Managing Agent, BANK OF AMERICA, N.A. (“Bank of America”), as a Bank and as a Managing Agent, CITIBANK, N.A. (“Citibank”), as a
Bank, CITICORP NORTH AMERICA, INC. (“Citicorp”), as a Managing Agent, THE BANK OF NOVA SCOTIA (“Scotia Capital”), as a Bank and as a Managing Agent, SOCIETE GENERALE (“SG”), as a Bank and as a
Managing Agent, LLOYDS TSB BANK PLC (“Lloyds”), as a Bank, and DHI MORTGAGE COMPANY, LTD., a Texas limited partnership (“DHI Mortgage”), as the Servicer (the “Servicer”) and as the Seller (the
“Seller”) and U.S. BANK NATIONAL ASSOCIATION, as the Collateral Agent (“U.S. Bank”). Capitalized terms used and not otherwise defined herein are used as defined in the related Operative Documents (as defined below).

 RECITALS 
 WHEREAS, the
Servicer (then named CH Mortgage Company I, Ltd.), as the Seller, and the Borrower, as the Purchaser, entered into that certain Master Repurchase Agreement and Addendum to the Master Repurchase Agreement incorporated therein, dated as of
July 9, 2002, as amended by the Second Amended and Restated Addendum to Master Repurchase Agreement, dated as of June 30, 2006 (as the same may be amended, restated, supplemented or modified from time to time, the “Repurchase
Agreement”); 
 WHEREAS, the Borrower, the Administrative Agent and U.S. Bank entered into that certain Second Amended and Restated
Collateral Agency Agreement, dated as of June 30, 2006, as amended (the “Collateral Agency Agreement”); 
 WHEREAS, the
Borrower, Atlantic, La Fayette, Falcon, Barton, Liberty, CHARTA, YC, JPMorgan, Bank of America, Citibank, Citicorp, Scotia Capital, SG, Lloyds, Calyon New York and the Servicer, have entered into that certain Second Amended and Loan Agreement, dated
as of June 30, 2006 (as the same may be amended, restated, supplemented or modified from time to time, the “Loan Agreement” and, collectively with the Repurchase Agreement, the Collateral Agency Agreement and the Security
Agreement, the “Operative Documents); 

 WHEREAS, the parties hereto desire to further amend the Operative Documents as hereinafter set forth.

 NOW, THEREFORE, the parties agree as follows: 
 Section 1. Amendment to Repurchase Agreement. 
 a. The definition of “Issuer Facility Amount” in the
Repurchase Agreement is hereby deleted in its entirety and replaced with the following definition: 
 “Issuer Facility
Amount” means (a) with respect to Atlantic and La Fayette, on an aggregate basis, $300,000,000, (b) with respect to Falcon, $100,000,000, (c) with respect to Barton, $100,000,000, (d) with respect to YC, $100,000,000,
(e) with respect to CHARTA, $100,000,000 and (f) with respect to Liberty, $100,000,000. Any reduction (or termination) of the Maximum Facility Amount pursuant to the terms of this Agreement shall reduce ratably (or terminate) the Issuer
Facility Amount of each Issuer. 
 b. The definition of “Maximum Facility Amount” in the Repurchase Agreement is hereby deleted in
its entirety and replaced with the following definition: 
 “Maximum Facility Amount” means $800,000,000, as such amount may
be reduced pursuant to Section 2.1(c) of the Loan Agreement. 
 Section 2. Amendment to Collateral Agency Agreement. 
 a. Exhibit D-1 to the Collateral Agency Agreement is hereby amended by deleting the definition of “Issuer Facility Amount” and replacing it with
the following definition: 
 “Issuer Facility Amount” means (a) with respect to Atlantic and La Fayette, on an aggregate
basis, $300,000,000, (b) with respect to Falcon, $100,000,000, (c) with respect to Barton, $100,000,000, (d) with respect to YC, $100,000,000, (e) with respect to CHARTA, $100,000,000 and (f) with respect to Liberty,
$100,000,000. Any reduction (or termination) of the Maximum Facility Amount pursuant to the terms of this Agreement shall reduce ratably (or terminate) the Issuer Facility Amount of each Issuer. 
 b. Exhibit D-1 to the Collateral Agency Agreement is hereby amended by deleting the definition of “Maximum Facility Amount” therein and
replacing it with the following definition: 
 “Maximum Facility Amount” means $800,000,000, as such amount may be reduced
pursuant to Section 2.1(c) of the Loan Agreement. 

 Section 3. Amendment to Loan Agreement. 
 a. The definition of “Issuer Facility Amount” in the Loan Agreement is hereby deleted in its entirety and replaced with the following
definition: 
 “Issuer Facility Amount” means (a) with respect to Atlantic and La Fayette, on an aggregate basis,
$300,000,000, (b) with respect to Falcon, $100,000,000, (c) with respect to Barton, $100,000,000, (d) with respect to YC, $100,000,000, (e) with respect to CHARTA, $100,000,000 and (f) with respect to Liberty, $100,000,000.
Any reduction (or termination) of the Maximum Facility Amount pursuant to the terms of this Agreement shall reduce ratably (or terminate) the Issuer Facility Amount of each Issuer. 
 b. The definition of “Maximum Facility Amount” in the Loan Agreement is hereby deleted in its entirety and replaced with the following
definition: 
 “Maximum Facility Amount” means $800,000,000, as such amount may be reduced pursuant to
Section 2.1(c) of this Agreement.” 
 c. Schedule I to the Loan Agreement is hereby deleted in its entirety and replaced with
Schedule I, Bank Commitments and Percentages, attached as Annex A hereto. 
 Section 4. Operative Documents in Full Force and Effect as
Amended. 
 Except as specifically amended hereby, all of the provisions of the Operative Documents and all of the provisions of all other
documentation required to be delivered with respect thereto shall remain in full force and effect from and after the date hereof. 
 Section 5.
Miscellaneous. 
 a. This 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 when taken together shall not constitute a novation of any Operative Document, but shall constitute an amendment thereof. The parties hereto agree to be
bound by the terms and conditions of each Operative Document, as amended by this Amendment, as though such terms and conditions were set forth herein. 
 b. The descriptive headings of the various sections of this Amendment are inserted for convenience of reference only and shall not be deemed to affect the meaning or construction of any of the provisions hereof.

 c. This Amendment may not be amended or otherwise modified except as provided in each respective Operative Agreement. 
 d. This Amendment and the rights and obligations of the parties under this amendment shall be governed by, and construed in accordance with, the laws of
the state of New York (without giving effect to the conflict of laws principles thereof, other than Sections 5-1401 and 5-1402 of the New York General Obligations Law, which shall apply hereto). 
 {Signatures appear on the following pages.} 

 IN WITNESS WHEREOF, the parties have agreed to this Amendment and caused this Amendment to be executed by
their respective officers thereunto duly authorized, as of the date first above written. 
  

					
	ADMINISTRATIVE AGENT,	  	CALYON NEW YORK BRANCH
	AS A BANK, AND AS A	  	
	MANAGING	  		 	
	AGENT:	  	By:	 	 /s/ ANTHONY BROWN

		  	Name:	 	Anthony Brown
		  	Title:	 	Vice President
			
		  	By:	 	 /s/ KOSTANTINA KOURMPETIS

		  	Name:	 	Kostantina Kourmpetis
		  	Title:	 	Managing Director
		
	AS ISSUERS:	  	ATLANTIC ASSET SECURITIZATION LLC
		  	By:	 	Calyon New York Branch, as
		  		 	Attorney-in-Fact
			
		  	By:	 	 /s/ ANTHONY BROWN

		  	Name:	 	Anthony Brown
		  	Title:	 	Vice President
			
		  	By:	 	 /s/ KOSTANTINA KOURMPETIS

		  	Name:	 	Kostantina Kourmpetis
		  	Title:	 	Managing Director
		
		  	LA FAYETTTE ASSET SECURITIZATION LLC
		  	By:	 	Calyon New York Branch, as
		  		 	Attorney-in-Fact
			
		  	By:	 	 /s/ ANTHONY BROWN

		  	Name:	 	Anthony Brown
		  	Title:	 	Vice President
			
		  	By:	 	 /s/ KOSTANTINA KOURMPETIS

		  	Name:	 	Kostantina Kourmpetis
		  	Title:	 	Managing Director

					
	AS A BANK:	  	LLOYDS TSB BANK PLC
			
		  	By:	 	 /s/ MICHELLE WHITE

		  	Name:	 	Michelle White
		  	Title:	 	Assistant Vice President Structured Finance W 154
			
		  	By:	 	 /s/ DANIELA CHUN

		  	Name:	 	Daniela Chun
		  	Title:	 	Assistant Vice President Structured Finance C-031
		
	AS A BANK AND AS A	  	JPMORGAN CHASE BANK, N.A.
	MANAGING AGENT:	  	
		  	By:	 	 /s/ JOHN K. SVOLOS

		  	Name:	 	John K. Svolos
		  	Title:	 	Vice President
		
	AS AN ISSUER:	  	FALCON ASSET SECURITIZATION COMPANY LLC
		  	By:	 	JPMorgan Chase Bank, N.A., its attorney-in-fact
			
		  	By:	 	 /s/ JOHN K. SVOLOS

		  	Name:	 	John K. Svolos
		  	Title:	 	Vice President
		
	AS A BANK AND AS A	  	BANK OF AMERICA, N.A.
	MANAGING AGENT:	  	
		  	By:	 	 /s/ JEREMY GRUBB

		  	Name:	 	Jeremy Grubb
		  	Title:	 	Vice President
		
	AS AN ISSUER:	  	YC SUSI TRUST
		  	By:	 	Bank of America, N.A.,
		  		 	as Administrative Trustee
			
		  	By:	 	 /s/ JEREMY GRUBB

		  	Name:	 	Jeremy Grubb
		  	Title:	 	Vice President

					
	AS A BANK:	  	CITIBANK, N.A.
			
		  	By:	 	 /s/ ARTHUR BOVINO

		  	Name:	 	Arthur Bovino
		  	Title:	 	Vice President
		
	AS A MANAGING AGENT:	  	CITICORP NORTH AMERICA, INC.
			
		  	By:	 	 /s/ ARTHUR BOVINO

		  	Name:	 	Arthur Bovino
		  	Title:	 	Vice President
		
	AS AN ISSUER:	  	CHARTA, LLC
		  	By:	 	CITICORP NORTH AMERICA, INC.,
		  		 	Attorney-in-Fact
			
		  	By:	 	 /s/ ARTHUR BOVINO

		  	Name:	 	Arthur Bovino
		  	Title:	 	Vice President
		
	AS A BANK AND AS A	  	THE BANK OF NOVA SCOTIA
	MANAGING AGENT:	  		 	
		  	By:	 	 /s/ NORMAN LASI

		  	Name:	 	Norman Lasi
		  	Title:	 	Managing Director
		
	AS AN ISSUER:	  	LIBERTY STREET FUNDING CORP.
			
		  	By:	 	 /s/ BERNARD J. ANGELO

		  	Name:	 	Bernard J. Angelo
		  	Title:	 	Vice President

  

					
	AS A BANK AND AS A	  	SOCIETE GENERALE
	MANAGING AGENT:	  		 	
		  	By:	 	 /s/ JAMES F. AHERN

		  	Name:	 	James F. Ahern
		  	Title:	 	Managing Director
		
	AS AN ISSUER:	  	BARTON CAPITAL, LLC
			
		  	By:	 	 /s/ DORIS J. HEARN

		  	Name:	 	Doris J. Hearn
		  	Title:	 	Vice President
		
	BORROWER:	  	CH FUNDING, LLC
			
		  	By:	 	 /s/ MARK C. WINTER

		  	Name:	 	Mark C. Winter
		  	Title:	 	CFO/EVP
		
	SERVICER:	  	DHI MORTGAGE COMPANY, LTD.
		  	By:	 	DHI MORTGAGE COMPANY GP, INC.,
		  		 	its general partner
			
		  	By:	 	 /s/ MARK C. WINTER

		  	Name:	 	Mark C. Winter
		  	Title:	 	CFO/EVP
		
	COLLATERAL AGENT:	  	U.S. BANK NATIONAL ASSOCIATION
			
		  	By:	 	 /s/ JEANNINE L. COYNE

		  	Name:	 	Jeannine L. Coyne
		  	Title:	 	Vice President

 ANNEX A 
 SCHEDULE I 
 BANK COMMITMENTS AND PERCENTAGES 
  

									
	 Bank
	  	Bank
Commitment	  	 Bank
Commitment
 Percentage
	 	 	 Group Bank
 Percentage

	 CALYON NEW YORK BRANCH
	  	$	 	  	%	 	 	
	 BANK OF AMERICA, NA
	  	$	 	  	%	 	 	
	 JPMORGAN CHASE BANK
	  	$	 	  	%	 	 	
	 CITICORP NORTH AMERICA, INC
	  	$	 	  	%	 	 	
	 THE BANK OF NOVA SCOTIA
	  	$	 	  	%	 	 	
	 SOCIETE GENERALE
	  	$	 	  	%	 	 	
	 LLOYDS TSB BANK PLC
	  	$	 	  	%	 	 	
		  	 	 	  	 	 	 	
	 TOTAL
	  	$	800,000,000	  	100	%Chicago Investments, Inc.
                         6340 South 3000 East Suite 330
                           Salt Lake City, Utah 84121

                          Dated as of October 31, 2006

Foam Manufacturing, Inc.
305 Madison Avenue, Suite 4510
New York, New York 10165
Attention: Mr. Matthew L. Harriton

      Re:   Senior Secured Promissory Notes

Dear Matt:

      Reference is made to that certain Amended and Restated Note Purchase
Agreement dated February 1, 2006 (the "Note Purchase Agreement"), among Foam
Manufacturing, Inc. (the "Company"), Chicago Investments, Inc., individually and
as Agent ("Agent"), and the additional investors party thereto. Reference is
also made to those certain Senior Secured Promissory Notes identified on
Schedule 1 attached hereto and sold and issued to the Investors (as defined in
the Note Purchase Agreement) by the Company (the "Outstanding Notes").

      By letter dated April 30, 2006, the "Maturity Date" as defined in the
Outstanding Notes was extended to July 31, 2006, and by letter dated July 31,
2006, was further extended to October 31, 2006. For good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
pursuant to the terms of the Note Purchase Agreement, Agent and the Company
hereby agree that the "Maturity Date" shall be further extended to January 31,
2006. Agent and the Company further agree that Additional Notes (as defined in
the Note Purchase Agreement) issued and sold by the Company from and after the
date hereof pursuant to the Note Purchase Agreement shall have a Maturity Date
of January 31, 2006.

      Except as otherwise expressly provided hereby, each of the Outstanding
Notes shall remain in full force and effect strictly according to its terms and,
as extended hereby, each is hereby ratified, confirmed and approved.

      If the foregoing is acceptable to you, please sign the enclosed copy of
this letter in the space provided below, whereupon this letter will become an
agreement between us as of the date first above written.

                                        Sincerely,

                                        Chicago Investments, Inc., as Agent

                                        By: /s/ Joshua S. Kanter
                                            ------------------------------------
                                            Joshua S. Kanter, President

AGREED AND ACCEPTED:

Foam Manufacturing, Inc.

By:
    ---------------------------------
    Matthew L. Harriton, President

<PAGE>

                                   Schedule 1

                                                                    Original
          Investor                        Date                  Principal Amount
          --------                        ----                  ----------------
Chicago Investments, Inc.           January 11, 2006                $30,000

Chicago Investments, Inc.           January 26, 2006                $10,000

Chicago Investments, Inc.           February 1, 2006                $85,000

Chicago Investments, Inc.           February 1, 2006                $50,000

Chicago Investments, Inc.           February 9, 2006                $15,000

Richard Harriton                    February 13, 2006               $50,000

Arlen B. Reynolds                   February 10, 2006               $20,000

Gene E. Burleson                    February 28, 2006               $25,000

Chicago Investments, Inc.           March 31, 2006                  $25,000

Kanter Family Foundation            March 31, 2006                  $25,000

Richard Harriton                    April 4, 2006                   $20,000

Chicago Investments, Inc.           April 5, 2006                   $75,000

Gene E. Burleson                    April 5, 2006                   $25,000

Chicago Investments, Inc.           April 21, 2006                  $25,000

Chicago Investments, Inc.           May 5, 2006                     $25,000

Chicago Investments, Inc.           May 11, 2006                    $25,000

Chicago Investments, Inc.           May 19, 2006                    $25,000

CIBC Trust Company (Bahamas)        June 7, 2006                   $250,000
Limited as Trustee of T-555

Chicago Investments, Inc.           September 21, 2006              $50,000

Richard Harriton                    September 22, 2006              $25,000

Kanter Family Foundation            October 23, 2006                $50,000

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