Document:

Q1 2002 Exhibit 10.1

                                                                       Exhibit 10.1

First Amendment to Marketing Agreement

This First Amendment to Marketing Agreement ("Amendment") dated
July __, 2000, is made and entered into by and between Charles Schwab &
Co., Inc., a California corporation, ("Schwab") and E-LOAN, Inc., a Delaware
corporation ("E-LOAN"), and is effective as of April 25, 2000.

WHEREAS, Schwab and E-LOAN have entered into a Marketing Agreement (the
"Agreement") dated April 25, 2000;

WHEREAS, Schwab and E-LOAN have a mutual desire to amend the Agreement as set
forth in this Amendment.

NOW, THEREFORE, the parties hereby agree as follows:

l.The following Section 11.4.1 is hereby added to the Agreement as
follows:
11.4.1  Termination by E-LOAN. E-LOAN shall have the right to
terminate the Agreement at the end of the First Year, upon 180 days written
notice to Schwab.

2.Except for the changes set forth in this Amendment, the Agreement shall
remain unchanged in all respects, and shall remain in full force and effect in
accordance with its terms

	
E-LOAN, INC.
	
CHARLES SCHWAB & CO., INC.

	
By: __________________
	
By: __________________

	
Name: _______________
	
Name: _______________

	
Title: ________________
	
Title: ________________Q1 2002 Exhibit 10.2

                                                                       Exhibit 10.2

Second Amendment to Marketing Agreement

This Second Amendment to Marketing Agreement ("Amendment") dated
September __, 2000, is made and entered into by and between Charles Schwab
& Co., Inc., a California corporation, ("Schwab") and E-LOAN, Inc., a
Delaware corporation ("E-LOAN"), and is effective as of April 25, 2000.

WHEREAS, Schwab and E-LOAN have entered into a Marketing Agreement (the
"Agreement") dated April 25, 2000;

WHEREAS, Schwab and E-LOAN have a mutual desire to amend the Agreement as set
forth in this Amendment.

NOW, THEREFORE, the parties hereby agree as follows:

1.The Effective Date is hereby amended to reflect a date of July 1,
2000

2.Section 8.1 of the Agreement is hereby amended to reflect the
Marketing Fee will be due and payable in equal monthly installments commencing
on the Effective Date of the Agreement and ending 48 months from such date.

3.Except for the changes set forth in this Amendment, the Agreement shall
remain unchanged in all respects, and shall remain in full force and effect in
accordance with its terms.

	
E-LOAN, INC.
	
CHARLES SCHWAB & CO., INC.

	
By: __________________
	
By: __________________

	
Name: _______________
	
Name: _______________

	
Title: ________________
	
Title: ________________Q1 2002 Exhibit 10.3

                                                                       Exhibit 10.3

 
[**] Confidential Treatment Requested 

First Amendment to Auto Loan Purchase and Sale
Agreement

This FIRST AMENDMENT ("Amendment") to the Auto Loan
Purchase and Sale Agreement ("Agreement") dated and effective May 4, 2000
by and between E-LOAN, Inc. ("E-LOAN") and TranSouth Financial Corporation
("TranSouth" or "Correspondent") is entered into and effective this
1st day of March, 2002.

FOR GOOD AND VALUABLE CONSIDERATION, the receipt and
sufficiency of which is expressly acknowledged by the parties hereto, E-LOAN and
TranSouth agree as follows:
1.Exhibit E is hereby deleted in its entirety and
replaced with Exhibit E attached to this Amendment.

2.The Agreement is hereby modified and amended to
incorporate the terms and conditions set forth herein, which shall supercede and
prevail over any conflicting terms of the Agreement.  Except for these changes
set forth above, all of the terms and conditions of the Agreement shall remain
in full force and effect.

	
TRANSOUTH FINANCIAL CORPORATION

By:/s/ Merrill Davis

Authorized Signature

Name:  Merrill Davis

Title:  SVP Sales & Marketing

	
E-LOAN, INC.

By:/s/ Stephen Herz

Authorized Signature

Name:  Stephen Herz

Title:  SVP Consumer Loans

EXHIBIT E:  PURCHASE PRICE

Purchase Price:

With respect to each Loan made, Correspondent shall pay
E-LOAN, via wire or ACH, the Principal Balance of each Loan within 48 hours of
receipt of the Required Documents for such Loan.  Calculation and payment of
Additional Compensation shall be as described below.

Additional Compensation:

Origination Fee

As additional compensation for E-LOAN's performance of
Services hereunder, Correspondent will pay E-LOAN a fee ("Origination Fee") for
each Loan purchased under this Agreement.  On or before the 10th of
each month, Correspondent shall pay E-LOAN the aggregate Origination Fees for
all Loans purchased in the prior calendar month pursuant to this Agreement.

The Origination Fee for a particular calendar month shall be
the amount set forth below that corresponds to the Conversation Percentage
(Booked-to-Approval Percentage) for that calendar month.

	
Book/Approval %
	
Fee Per Loan

	
[ ** ]
	
[ ** ]

	
[ ** ]
	
[ ** ]

	
[ ** ]
	
[ ** ]

	
[ ** ]
	
[ ** ]

The schedule above applies so long as E-LOAN sends TranSouth a minimum of [ ** ]
Applications during the given calendar month, Should E-LOAN not sent
TranSouth [ ** ]Applications during the given calendar month, TranSouth will pay
E-LOAN a fee equal to $325 for each Loan purchased during that month.

	[ ** ]

 [**] Confidential Treatment RequestedQ1 2002 Exhibit 10.4

                                                                       Exhibit 10.4

 
[**] Confidential Treatment Requested 

March 7, 2002

	
Freddie

Mac
	Mr. Jeff Becker

Capital Markets

E-Loan, Inc.

5875 Arnold Road

Dublin, CA 94568

	

Re:Master Commitment #[ ** ]

Seller/Servicer #[ ** ]

Dear Mr. Becker:

Enclosed is an amended page(s) (the "Amendment") to the above-referenced
Mater Commitment (the "Agreement"). This Amendment changes the
following:

	
Master Commitment/ Master Agreement Attachment
	
Title
	
Section(s)

Paragraph(s)
	
Page(s)

	
Master Commitment
	
Required Delivery Date
	
 
	
2

If this Amendment is acceptable to you, please sign both
counterparts of this letter, retain one signed counterpart for your records and
return the other signed counterpart no later than March 14, 2002
to:
Federal Home Loan Mortgage Corporation

Attn: Ruth Banks, Contract Specialist

21700 Oxnard Street, Suite 1900

Woodland Hills, CA 91367

If this letter is not executed and returned by the date specified, then
Freddie Mac's offer contained in this Amendment, at Freddie Mac's option, will
be null and void.

Please replace the appropriate page(s) of the Agreement with the enclosed
page(s).

 

If you have any questions, please contact your Customer Relations
Representative, Robyn Cox at (818) 710-3027 or Account Manager, Butch Story
at (818) 710-3160

Sincerely,

/s/ David Stevens

David Stevens

Senior Vice President

General Manager - Community Lending

I hereby agree to the terms of the Agreement, as amended by the enclosed
pages, are acceptable.

E-LOAN, INC.
By:/s/

Title:

Dated:

rb/122569_G01110583/BSTY-57YMSC

Master Commitment Amount. The dollar amount of this Master
Commitment shall be [ ** ] ("Master Commitment Amount").

5.Delivery. Mortgages shall not be delivered by Originator to
Freddie Mac under this Master Commitment. In order for Mortgages to be delivered
to Freddie Mac, Originator must sell the Mortgages to Direct Seller for delivery
under the Direct Seller MC. Mortgages originated by Originator and delivered
under the Direct Seller MC will be applied toward the Master Commitment
Amount.

6.Minimum Servicing Spread. The Minimum Servicing Spread for
Mortgages sold pursuant to the terms of this Master Commitment shall be [ ** ] basis points
(.[ ** ]).

7.Required Delivery Date. The sale of Mortgages to Freddie Mac
through Direct Seller under the terms of this Master Commitment is mandatory and
all deliveries shall be made by April 30, 2002.

8.Purchase Tolerance/Pair-off. Purchase by Freddie Mac of at least
90 percent of the Master Commitment Amount, will constitute fulfillment by
Seller of the purchase requirements under this Master Commitment. In addition,
Freddie Mac shall purchase Mortgages otherwise eligible for purchase with an
aggregate unpaid principal balance not to exceed 100 percent of the Master
Commitment Amount. Such purchase tolerances shall apply notwithstanding the
purchase tolerances set forth in Section 11.5 of the Guide.

9.Required Spreads. The Required Spreads for Mortgages sold by
Direct Seller to Freddie Mac under the Guarantor Program or Multilender Program
are:

	
15-year Fixed-rate Mortgages
	
[ ** ]basis points

(.[ ** ])

	
20-year Fixed rate Mortgages
	
[ ** ]basis points

(.[ ** ])

	
30-year Fixed rate Mortgages
	
[ ** ]basis points

(.[ ** ])

These Required Spreads reflect Seller's participation in
Freddie Mac's Gold Remittance Cycle.

Originator agrees to provide Direct Seller with the Required Spreads stated
above when selling Mortgages to Direct Seller for delivery to Freddie Mac under
the Enhanced AOT Offering.

 [**] Confidential Treatment RequestedQ1 2002 Exhibit 10.5

                                                                       Exhibit 10.5

 
[**] Confidential Treatment Requested 

March 18, 2002

Mr. Steve Majerus

Vice President, Secondary Marketing

E-Loan, Inc.

5875 Arnold Road

Dublin, California  94568

SS# [ ** ] / CCID# [ ** ]

Dear Steve:

This letter shall serve as the first supplement (the
"Commitment Supplement") to the GMAC-Residential Funding ("GMAC-RFC") Master
Commitment dated as of October 23, 2001 by and between GMAC-RFC and E-Loan,
Inc.  All other terms and conditions of the GMAC-RFC Master Commitment not
amended in the Commitment Supplement shall remain in full force and effect.

The terms and conditions of this Commitment Supplement are as
follows:

	
Term:
	
Is the earlier of (i) the expiration of 4 months from
the date of this Commitment Supplement, July 18, 2002 or (ii) deliver
to E-Loan, Inc. by GMAC-RFC of an updated version of Assetwise able to  support
a simple interest qualification of Debt To Income.

	
PRODUCT, PROGRAM and UNDERWRITING VARIANCES:

	 	
15-YEAR INTEREST ONLY BALLOON GOAL LINE
EXCEPTION:

(Goal Line)

GMAC-RFC will purchase Home Equity products (Goal Line
Home Equity Lines of Credit Only) which were originated using a single
repository credit score and meet the eligibility requirements described in the
GMAC-RFC Client Guide except as set forth in the attached Exhibit H.

	
Future Amendments:
	
GMAC-RFC and E-Loan, Inc. agree to notify each other when
issues arise that are not addressed in this Commitment Supplement.  Any
amendments to this Commitment Supplement must be mutually agreed upon in
writing.

	
Termination:
	
GMAC-RFC may at any time in the exercise of its sole
discretion terminate E-Loan, Inc.'s right to sell loans to GMAC-RFC under this
Commitment Supplement with 30 days written notice by GMAC-RFC to E-Loan, Inc.
GMAC-RFC may from time to time in the exercise of its sole discretion modify or
supplement any of the program criteria or requirements effective immediately
upon notice by GMAC-RFC to E-Loan, Inc.

	
Confidentiality:
	
GMAC-RFC and E-Loan, Inc. each agree that the specific terms
and provisions of this Commitment Supplement are confidential except as required
by law or as may be reasonably necessary to be disclosed in connection with the
sale or securitization of loans sold to GMAC-RFC by E-Loan, Inc.

	
Commitment Offer Expiration Date:
	
This agreement may be cancelled at GMAC-RFC's option if an
executed copy is not received on or before March 27, 2002.

We look forward to our continued relationship with E-Loan,
Inc.  If the terms of this commitment supplement letter are agreeable with you,
please so indicate by executing both of the enclosed copies, return one original
to GMAC-RFC on or before the date indicated above, and retain the other original
for your records.

Sincerely,

/ss

Lori Zaloumis

Sales Director

AGREED AND ACCEPTED BY:

E-LOAN, INC.
SIGNATURE:/s/ Steven M. Majerus

NAME:Steven M. Majerus

TITLE:S.V.P. Capital Markets

DATE:4/29/02

EXHIBIT H

Commitment Supplement Dated 3/18/02

E-Loan, Inc.

15-Year Interest Only Balloon Goal Lines Only Exception

GMAC-RFC will purchase Home Equity products (Goal Line
Home Equity Lines of Credit ONLY) which were originated using a single
repository credit score and meet the eligibility requirements described in the
GMAC-RFC Client Guide except as set forth below:

General Eligibility Requirements
Exceptions to:
1.GMAC-RFC's Credit Scoring Requirements:  as stated in the
Client Guide section 4, page 4.3, Sub-Section 430

2.Exception to GMAC-RFC's Selecting the Credit Score:  as stated
in the Client Guide Section 4 page 4.3 Sub-Section 431

[ ** ]

 [**] Confidential Treatment Requested

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