Document:

<PAGE>

                                                                     EXHIBIT 4.4

                   ASSUMPTION AGREEMENT AND FIRST AMENDMENT TO
                      CONTRIBUTION AND SERVICING AGREEMENT

         This ASSUMPTION AGREEMENT AND FIRST AMENDMENT TO CONTRIBUTION AND
SERVICING AGREEMENT (the "Agreement") dated as of January 31, 2001 is entered
into among Green Tree Lease Finance 1998-1, LLC, a Delaware limited liability
company ("Issuer"), Green Tree Lease Finance II, Inc., a Minnesota corporation
(the "Contributor"), Conseco Finance Vendor Services Corporation, a Delaware
corporation formerly known as Green Tree Vendor Services Corporation (in its
individual capacity, "Vendor Services," and in its capacity as Servicer, the
"Servicer"), U.S. Bank Trust National Association, a national banking
association (the "Trustee"), WFFLI Lease Finance 1998-1, LLC, a Delaware limited
liability company (the "Successor Issuer"), WFFLI Lease Finance II, LLC, a
Delaware limited liability company (the "Successor Contributor"), and Wells
Fargo Financial Leasing, Inc., an Iowa corporation (the "Successor Servicer").

         WHEREAS, the Issuer, the Contributor, Vendor Services (both
individually and in its capacity as the Servicer) and the Trustee are parties to
a Contribution and Servicing Agreement dated as of December 1, 1998 (the
"Contribution and Servicing Agreement").

         WHEREAS, pursuant to an Asset Purchase Agreement dated as of December
8, 2000 by and among the Successor Servicer, Conseco, Inc., Conseco Finance
Corp., Vendor Services, the Contributor, the Issuer and Conseco Finance Lease
2000-1, LLC (the "Purchase Agreement"), Successor Servicer has agreed to
purchase substantially all of the assets and certain liabilities of Vendor
Services and to assume all of the obligations of Vendor Services as Servicer
under the Contribution and Servicing Agreement.

         WHEREAS, pursuant to the Purchase Agreement, Successor Servicer will
cause the Successor Contributor, a limited liability company of which the
Successor Servicer is the sole member, to purchase substantially all of the
assets of Contributor and to assume all of the obligations of Contributor under
the Contribution and Servicing Agreement.

         WHEREAS, pursuant to the terms of a Supplemental Indenture dated as of
the date hereof to the Indenture dated as of December 1, 1998 between the Issuer
and the Trustee relating to the 5.201% Lease-Backed Notes, Class A-1, 5.55%
Lease-Backed Notes, Class A-2, 5.60% Lease-Backed Notes, Class A-3, 5.74%
Lease-Backed Notes, Class A-4, 6.66% Lease-Backed Notes, Class B, and 7.63%
Lease-Backed Notes, Class C of the Issuer (as so supplemented, the "Indenture"),
Successor Issuer shall succeed as issuer under the Indenture.

         WHEREAS, pursuant to the terms of the Contribution and Servicing
Agreement, neither the Contributor nor the Servicer shall permit any other
Person to become the successor to its respective business unless certain
conditions set forth in the Contribution and Servicing Agreement are satisfied,
including the requirement that any such successor shall execute an assumption
agreement assuming the obligations of the Contributor or the Servicer, as the
case may be, under the Contribution and Servicing Agreement.
<PAGE>

         WHEREAS, the Contributor and the Servicer have furnished the Issuer and
the Trustee with (i) a certificate of a Responsible Officer and an Opinion of
Counsel stating that the agreements of assumption by the Successor Contributor
and the Successor Servicer contained herein comply with Sections 6.2 and 7.2,
respectively, of the Contribution and Servicing Agreement and that all
conditions precedent in the Contribution and Servicing Agreement relating to
such successions have been complied with; and (ii) an Opinion of Counsel stating
that all financing statements and continuation statements and amendments have
been executed and filed that are necessary to preserve and protect the interest
of the Issuer in the Trust Assets.

         WHEREAS, the parties hereto desire to amend certain provisions of the
Contribution and Servicing Agreement simultaneously with the Successor
Contributor and the Successor Servicer entering into such agreements of
assumption.

         WHEREAS, pursuant to Section 10.1(a) of the Contribution and Servicing
Agreement, the Contribution and Servicing Agreement may be amended without the
consent of any of the Noteholders (i) to cure any ambiguity contained therein,
(ii) to correct or supplement any provisions in the Contribution and Servicing
Agreement that may be inconsistent with any other provision therein; or (iii) to
make any other provisions with respect to matters or questions arising under the
Contribution and Servicing Agreement that are not inconsistent with the
provisions thereof; provided, however, that such action shall not, as evidenced
by an Opinion of Counsel, adversely affect in any material respect the interests
of the Noteholders.

         WHEREAS, an Opinion of Counsel has been delivered stating that the
amendments to the Contribution and Servicing Agreement contained herein shall
not adversely affect in any material respect the interests of the Noteholders.

         NOW, THEREFORE, in consideration of covenants and agreements contained
herein and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties hereby agree as follows:

                                    ARTICLE I
                                    ---------

                AMENDMENT TO CONTRIBUTION AND SERVICING AGREEMENT
                -------------------------------------------------

         Section 1.1. Defined Terms. Certain definitions set forth in Section
1.1 of the Contribution and Servicing Agreement are hereby amended to read as
follows:

         Transfer Agreement: The Transfer Agreement, dated as of December 1,
         1998, between Vendor Services and the Contributor, as the same may be
         amended or supplemented from time to time.

         Vendor Services: Conseco Finance Vendor Services Corporation, a
         Delaware corporation, or its successor in interest."

         Section 1.2. Organizational Representations. Throughout the
Contribution and Servicing Agreement, all references to a "corporation" shall be
deemed to include a limited

                                      -2-
<PAGE>

liability company; all references to "corporate action" shall be deemed to
include the actions of a limited liability company; all references to
"incorporated" shall be deemed to include being organized as a limited liability
company; all references to "articles of incorporation" or "bylaws" shall be
deemed to include the equivalent organizational documents of a limited liability
company; all references to "stockholder" or "stockholders" shall be deemed to
include a member or members of a limited liability company; the reference in
Section 2.4(a) to the Contributor's good standing "under the laws of the State
of Minnesota" shall be revised to "under the laws of its jurisdiction of
organization"; and any such other changes shall be deemed to have been made as
are necessary to allow a limited liability company to serve as the Contributor
under the Contribution and Servicing Agreement to the same extent as it would be
able to serve if it were organized as a corporation.

                                   ARTICLE II
                                   ----------

                      ASSIGNMENT AND ASSUMPTION AGREEMENTS
                      ------------------------------------

         Section 2.1. Successor Contributor. The Contributor hereby grants,
assigns, transfers and conveys to the Successor Contributor its entire right,
title and interest in, to and under the Contribution and Servicing Agreement and
Related Documents. The Successor Contributor hereby accepts the foregoing
assignment and hereby assumes and agrees to perform all of the obligations of
the Contributor under the Contribution and Servicing Agreement and each of the
Related Documents. The Successor Contributor further agrees to indemnify, defend
and hold harmless the Contributor against and from any loss, liability or
expense arising in connection with the Successor Contributor's failure to
perform such obligations on and after the date hereof.

         Section 2.2. Assumption of Successor Servicer. The Servicer hereby
grants, assigns, transfers and conveys to Successor Servicer its entire right,
title and interest in, to and under the Contribution and Servicing Agreement and
Related Documents. Successor Servicer hereby accepts the foregoing assignment
and hereby assumes and agrees to perform all of the obligations of the Servicer
under the Contribution and Servicing Agreement and each of the Related
Documents. Successor Servicer further agrees to indemnify, defend and hold
harmless Servicer against and from any loss, liability or expense arising in
connection with Successor Servicer's failure to perform such obligations on and
after the date hereof.

         Section 2.3. Notice of Successor Servicer. The Trustee hereby agrees to
give prompt written notice of appointment of Successor Servicer as Servicer
under the Contribution and Servicing Agreement to the Noteholders.

                                   ARTICLE III
                                   -----------

                                  MISCELLANEOUS
                                  -------------

         Section 3.1. Defined Terms. Defined terms used herein and not otherwise
defined herein shall have the meanings assigned to them in the Contribution and
Servicing Agreement or, if not defined therein, in the Indenture.

                                      -3-
<PAGE>

         Section 3.2. Ratification of Contribution and Servicing Agreement.
Except as expressly amended by this Agreement, the Contribution and Servicing
Agreement is in all respects ratified and confirmed and all the terms,
conditions and provisions thereof shall remain in full force and effect.

         Section 3.3. Entire Agreement. This Agreement (including the exhibits,
schedules and other documents referred to herein) contains the entire
understanding between the parties hereto with respect to the subject matter
hereof and supersedes any prior understandings, agreements or representations,
written or oral, relating to the subject matter hereof.

         Section 3.4. Counterparts. This Agreement may be executed in separate
counterparts, each of which will be an original and all of which taken together
shall constitute one and the same agreement, and any party hereto may execute
this Agreement by signing any such counterpart.

         Section 3.5. Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such a manner as to be effective and valid
under applicable law but if any provision of this Agreement is held to be
invalid, illegal or unenforceable under any applicable law or rule, the
validity, legality and enforceability of the other provision of this Agreement
will not be affected or impaired thereby.

         Section 3.6. Modification, Amendment, Waiver or Termination. No
provision of this Agreement may be modified, amended, waived or terminated
except by an instrument in writing signed by the parties to this Agreement. No
course of dealing between the parties will modify, amend, waive or terminate any
provision of this Agreement or any rights or obligations of any party under or
by reason of this Agreement.

         Section 3.7. Headings. The headings and any table of contents contained
in this Agreement are for reference purposes only and shall not in any way
affect the meaning or interpretation of this Agreement.

         Section 3.8. Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF MINNESOTA WITHOUT REGARD
TO THE PRINCIPLES OF CONFLICTS OF LAWS THEREOF AND THE OBLIGATIONS, RIGHTS AND
REMEDIES OF THE PARTIES UNDER THIS AGREEMENT SHALL BE DETERMINED IN ACCORDANCE
WITH SUCH LAWS.

         Section 3.9. Further Assurances. Each party agrees that at any time,
and from time to time, it will do all such things and execute and deliver all
such instruments, assignments, releases, financing statements, continuation
statements, other documents and assurances as any other party reasonably deems
necessary or desirable to carry out the intent, purpose and conditions of this
Agreement, the Related Documents and the transactions contemplated hereby and
thereby.

                                      -4-
<PAGE>

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

                                     GREEN TREE LEASE FINANCE 1998-1, LLC

                                     By: /s/ Brian F. Corey
                                         ---------------------------------------
                                     Name: Brian F. Corey
                                     Title: Senior Vice President and Secretary

                                     GREEN TREE LEASE FINANCE II, INC.

                                     By: /s/ Brian F. Corey
                                         ---------------------------------------
                                     Name: Brian F. Corey
                                     Title: Senior Vice President and Secretary

                                     CONSECO FINANCE VENDOR SERVICES CORPORATION

                                     By: /s/ Brian F. Corey
                                         ---------------------------------------
                                     Name: Brian F. Corey
                                     Title: Senior Vice President and Secretary

                                     U.S. BANK TRUST NATIONAL ASSOCIATION

                                     By: /s/ Tamara Schultz-Fugh
                                         ---------------------------------------
                                     Name: Tamara Schultz-Fugh
                                     Title: Vice President

                                       -5-
<PAGE>

                                     WFFLI LEASE FINANCE 1998-1, LLC

                                     By: /s/ Steve R. Wagner
                                         ---------------------------------------
                                     Name: Steve R. Wagner
                                     Title: President

                                     WFFLI LEASE FINANCE II, LLC

                                     By: /s/ Steve R. Wagner
                                         ---------------------------------------
                                     Name: Steve R. Wagner
                                     Title: President

                                     WELLS FARGO FINANCIAL LEASING, INC.

                                     By: /s/ Steve R. Wagner
                                         ---------------------------------------
                                     Name: Steve R. Wagner
                                     Title: Vice President

                                      -6-<PAGE>

                                                                     EXHIBIT 4.2

                  CONSECO FINANCE LEASE 2000-1, LLC, as Issuer,

          WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, as Trustee,

              WFFLI LEASE FINANCE 2000-1, LLC, as Successor Issuer

                                       and

              BANK ONE, NATIONAL ASSOCIATION, as Successor Trustee

                      6.844% Lease-Backed Notes, Class A-1
                      7.250% Lease-Backed Notes, Class A-2
                      7.360% Lease-Backed Notes, Class A-3
                      7.480% Lease-Backed Notes, Class A-4
                       7.690% Lease-Backed Notes, Class B
                       7.880% Lease-Backed Notes, Class C
                       8.560% Lease-Backed Notes, Class D

                     --------------------------------------

                             SUPPLEMENTAL INDENTURE

                          Dated as of January 31, 2001

                                       to

                       Indenture dated as of July 1, 2000

                     --------------------------------------
<PAGE>

                             SUPPLEMENTAL INDENTURE

     This SUPPLEMENTAL INDENTURE, dated as of January 31, 2001, among CONSECO
FINANCE LEASE 2000-1, LLC, a Delaware limited liability company (the "Issuer"),
WELLS FARGO BANK MINNESOTA, N.A., a national banking association organized and
existing under the laws of the United States of America (the "Trustee"), WFFLI
LEASE FINANCE 2000-1, LLC, a Delaware limited liability company (the "Successor
Issuer"), and BANK ONE, NATIONAL ASSOCIATION, a national banking association
(the "Successor Trustee"), to the Indenture, dated as of July 1, 2000, between
the Issuer and the Trustee relating to the 6.844% Lease-Backed Notes, Class A-1,
7.250% Lease-Backed Notes, Class A-2, 7.360% Lease-Backed Notes, Class A-3,
7.480% Lease-Backed Notes, Class A-4, 7.690% Lease-Backed Notes, Class B, 7.880%
Lease-Backed Notes, Class C and 8.560% Lease-Backed Notes, Class D, of the
Issuer (the "Indenture").

                                    RECITALS

     WHEREAS, pursuant to an Asset Purchase Agreement dated as of December 8,
2000 by and among Wells Fargo Financial Leasing, Inc. ("Wells Fargo Financial"),
Conseco, Inc., Conseco Finance Corp., Conseco Finance Vendor Services
Corporation ("Vendor Services"), Green Tree Lease Finance II, Inc., Green Tree
Lease Finance 1998-1, LLC and the Issuer (the "Purchase Agreement"), Buyer has
agreed to cause the Successor Issuer, a limited liability company of which Buyer
is the sole member, to purchase substantially all of the assets and certain
liabilities of the Issuer.

     WHEREAS, pursuant to the Trust Indenture Act, the Trustee, as an affiliate
of the Successor Issuer, must resign as trustee under the Indenture and,
pursuant to the terms thereof, the Issuer will promptly appoint a successor
trustee.

     WHEREAS, pursuant to the Purchase Agreement, Wells Fargo Financial will
purchase substantially all of the assets of Vendor Services and will assume all
of the obligations of Vendor Services as Servicer under the Contribution and
Servicing Agreement.

     WHEREAS, the foregoing transactions necessitate the execution of a
supplemental indenture.

     WHEREAS, pursuant to Section 9.01 of the Indenture, the Issuer and the
Trustee may enter into a supplemental indenture without the consent of any
Holder of any Note, but with prior notice to the Rating Agencies, (i) to
evidence the succession of another Person to the Issuer in compliance with the
applicable provisions of the Indenture, and the assumption by such successor of
the covenants of the Issuer in the Indenture and in the Notes, (ii) to evidence
and provide for the acceptance of the appointment under the Indenture by a
successor trustee with respect to the Notes, (iii) upon satisfaction of the
Rating Agency Condition, to amend the definition of "Residual Event" or of the
terms used in such definition, as required by Wells Fargo Financial assuming the
obligations of Vendor Services as Servicer, and (iv) to add any provisions to,
or change in any manner or eliminate any provisions of, the Indenture, provided
such action shall not, as evidenced by an Opinion of Counsel, adversely affect
in any material respect the interests of any Noteholder.
<PAGE>

     WHEREAS, the Issuer has furnished the Trustee and the Successor Trustee
with (i) an Opinion of Counsel pursuant to Section 3.10(b)(iv) of the Indenture
stating that the transfer of assets from the Issuer to the Successor Issuer will
not have any material adverse tax consequences to the Trust or any Noteholder;
(ii) an Opinion of Counsel and an Officer's Certificate pursuant to Section
3.10(b)(vi) of the Indenture stating that the transfer of the assets from the
Issuer to the Successor Issuer and this Supplemental Indenture comply with
Article III of the Indenture and that all conditions precedent set forth in the
Indenture relating to such transfer have been complied with; and (iii) an
Opinion of Counsel pursuant to Section 9.01(b) of the Indenture stating that the
amendment of the Indenture set forth in Section 3.2 hereof does not adversely
affect in any material respect the interests of any Noteholder.

     NOW, THEREFORE, each party hereto agrees for the benefit of each other
party and for the equal and ratable benefit of Holders of the Notes as follows:

                                    ARTICLE I

                                SUCCESSOR ISSUER

     Section 1.1. Assumption by Successor Issuer. Pursuant to Section
3.10(b)(i)(B) of the Indenture, the Successor Issuer assumes from the Issuer the
obligation to make due and punctual payment of the principal of and interest on
all Notes and to perform and observe every agreement and covenant of the
Indenture and each Related Document to be performed or observed by Issuer.

     Section 1.2. Subordination to Holders. Pursuant to Section 3.10(b)(i)(C) of
the Indenture, the Successor Issuer agrees that all right, title and interest in
the Trust Estate transferred by the Issuer to the Successor Issuer is subject
and subordinate to the rights of Holders of the Notes.

     Section 1.3. Indemnification of Issuer. Pursuant to Section 3.10(b)(i)(D)
of the Indenture, the Successor Issuer agrees to indemnify, defend and hold
harmless the Issuer against and from any loss, liability or expense arising
under or related to the Indenture and the Notes; provided, however, that nothing
herein shall in any way limit any rights that the Successor Issuer or its
Affiliates may have to indemnification under the Purchase Agreement.

     Section 1.4. Filings. Pursuant to Section 3.10(b)(i)(E) of the Indenture,
the Successor Issuer agrees to make all filings with the Commission (and any
other appropriate Person) required by the Exchange Act in connection with the
Notes.

     Section 1.5. Notices, etc. to Issuer. The address to which notifications to
the Successor Issuer shall be sent pursuant to Section 11.04 of the Indenture
shall be 206 Eighth Street, Des Moines, IA 50309.

                                       2
<PAGE>

                                   ARTICLE II

                                SUCCESSOR TRUSTEE

     Section 2.1. Resignation of Trustee. The Trustee hereby notifies the Issuer
of the Trustee's resignation as trustee under the Indenture. The Trustee hereby
agrees to promptly transfer all property held by it as trustee under the
Indenture to the Successor Trustee.

     Section 2.2. Appointment of Successor Trustee. The Issuer hereby appoints
the Successor Trustee to succeed the Trustee as trustee under the Indenture.

     Section 2.3. Acceptance by Successor Trustee. The Successor Trustee hereby
accepts the appointment as trustee under the Indenture and assumes all of the
rights, powers and duties of the trustee thereunder.

     Section 2.4. Corporate Trust Office. As of the date of the execution of
this Supplemental Indenture, the Corporate Trust Office of the Successor Trustee
is located at 1 Bank One Plaza, Mailcode IL1-0126, Chicago, IL 60670-0126.

     Section 2.5. Notification of Noteholders. The Successor Trustee agrees to
promptly notify each Noteholder of its succession as trustee under the Indenture
and of the address of its Corporate Trust Office.

                                   ARTICLE III

                     AMENDMENT OF OTHER INDENTURE PROVISIONS

     Section 3.1. Residual Event. The parties hereto agree that the substitution
of Wells Fargo Financial for Vendor Services as Servicer under the Indenture
shall not constitute a Residual Event and subsection (a) of the definition of
"Residual Event" set forth in Section 1.10 of the Indenture is hereby amended to
read as follows:

          "(a) Wells Fargo Financial Leasing, Inc. is no longer the Servicer."

     Section 3.2. Distributions. Section 8.03(iv) and Section 8.03(x) of the
Indenture are hereby amended by substituting "Wells Fargo Financial Leasing,
Inc." for "Vendor Services."

                                   ARTICLE IV

                                  MISCELLANEOUS

     Section 4.1. Defined Terms. Defined terms used herein and not otherwise
defined herein shall have the meanings assigned to them in the Indenture.

     Section 4.2. Ratification of Indenture. Except as expressly amended by this
Supplemental Indenture, the Indenture is in all respects ratified and confirmed
and all the terms, conditions and provisions thereof shall remain in full force
and effect.

                                       3
<PAGE>

     Section 4.3. Entire Agreement. This Supplemental Indenture (including the
exhibits, schedules and other documents referred to herein) contains the entire
understanding between the parties hereto with respect to the subject matter
hereof and supersedes any prior understandings, agreements or representations,
written or oral, relating to the subject matter hereof.

     Section 4.4. Counterparts. This Supplemental Indenture may be executed in
separate counterparts, each of which will be an original and all of which taken
together shall constitute one and the same agreement, and any party hereto may
execute this Supplemental Indenture by signing any such counterpart.

     Section 4.5. Severability. Whenever possible, each provision of this
Supplemental Indenture shall be interpreted in such a manner as to be effective
and valid under applicable law but if any provision of this Supplemental
Indenture is held to be invalid, illegal or unenforceable under any applicable
law or rule, the validity, legality and enforceability of the other provision of
this Supplemental Indenture will not be affected or impaired thereby.

     Section 4.6. Modification, Amendment, Waiver or Termination. No provision
of this Supplemental Indenture may be modified, amended, waived or terminated
except by an instrument in writing signed by the parties to this Supplemental
Indenture. No course of dealing between the parties will modify, amend, waive or
terminate any provision of this Supplemental Indenture or any rights or
obligations of any party under or by reason of this Supplemental Indenture.

     Section 4.7. Headings. The headings and any table of contents contained in
this Supplemental Indenture are for reference purposes only and shall not in any
way affect the meaning or interpretation of this Supplemental Indenture.

     Section 4.8. Governing Law. THIS SUPPLEMENTAL INDENTURE SHALL BE CONSTRUED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF MINNESOTA, WITHOUT REFERENCE TO ITS
CONFLICTS OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

                                       4
<PAGE>

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

                                       CONSECO FINANCE LEASE 2000-1, LLC

                                       By: /s/ Brian F. Corey
                                           -------------------------------------
                                           Name: Brian F. Corey
                                           Title: Senior Vice President and
                                                  Secretary

                                       WELLS FARGO BANK MINNESOTA, NATIONAL
                                       ASSOCIATION, not in its individual
                                       capacity, but solely as Trustee

                                       By: /s/ Marianna C. Stershic
                                           -------------------------------------
                                           Name: Marianna C. Stershic
                                           Title: Vice President

                                       WFFLI LEASE FINANCE 2000-1, LLC

                                       By: /s/ Steve R. Wagner
                                           -------------------------------------
                                           Name: Steve R. Wagner
                                           Title: President

                                       BANK ONE, NATIONAL ASSOCIATION, not in
                                       its individual capacity, but solely as
                                       Successor Trustee

                                       By: /s/ Chris Holly
                                           -------------------------------------
                                           Name: Chris Holly
                                           Title: Assistant Vice President

                                       5

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