Document:

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                                                                     Exhibit 4.2

Number                                                                    Shares
                        [FINANCIAL PACIFIC COMPANY LOGO]

                            FINANCIAL PACIFIC COMPANY
             INCORPORATED UNDER THE LAWS OF THE STATE OF WASHINGTON

                                                               CUSIP 31762M 10 4

THIS CERTIFIES THAT

                                                         SEE REVERSE FOR CERTAIN
                                                     DEFINITIONS AND A STATEMENT
                                                  AS TO THE RIGHTS, PREFERENCES,
                                                     PRIVILEGES AND RESTRICTIONS
                                                                       OF SHARES

IS THE RECORD HOLDER OF

FULLY PAID AND NONASSESSABLE SHARES OF THE COMMON STOCK, NO PAR VALUE, OF

                            FINANCIAL PACIFIC COMPANY

transferable on the books of the Corporation by the holder hereof in person or
by duly authorized attorney upon surrender of this Certificate properly
endorsed. This Certificate is not valid until countersigned and registered by
the Transfer Agent and Registrar.

WITNESS the facsimile signatures of its duly authorized officers.

Dated:

         /s/ PETER A. DAVIS                                /s/ DALE A. WINTER
         SECRETARY                         CHIEF EXECUTIVE OFFICER AND PRESIDENT

                                                   COUNTERSIGNED AND REGISTERED:
                                                    Mellon Investor Services LLC

                                                    TRANSFER AGENT AND REGISTRAR
                                       BY

                                                              AUTHORIZED OFFICER
<PAGE>
         A statement of the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock or series
thereof and the qualifications, limitations or restrictions of such preferences
and/or rights, as established from time to time by the Articles of Incorporation
of the Corporation or any certificate of determination, the number of shares
constituting each class and series, and the designations thereof, may be
obtained by the holder hereof upon request and without charge at the principal
office of the Corporation.

         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM -- as tenants in common
TEN ENT -- as tenants by the entireties

JT TEN -- as joint tenants with right of
survivorship and not as tenants in common

UNIF GIFT MIN ACT  --            Custodian
                      -----------         -----------------
                           (Cust)           (Minor)
                          under Uniform Gifts to Minors

                  Act
                      ---------------------------------------
                                   (State)

UNIF TRF MIN ACT --            Custodian (until age   )
                      ------
                      (Cust)

                                  under Uniform Transfers
                  ----------------
                  (Minor)
                  to Minors Act
                               ------------------------------
                                   (State)

    Additional abbreviations may also be used though not in the above list.

FOR VALUE RECEIVED,                     hereby sell, assign and transfer unto
                   ---------------------
PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE

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(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

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                                                                          Shares
-------------------------------------------------------------------------

of the common stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

                                                                        Attorney
------------------------------------------------------------------------

to transfer the said stock on the books of the within named Corporation with
full power of substitution in the premises.

Dated
      -------------------------------------

                   ---------------------------------------------------------
                   NOTICE:  The signature to this assignment must
                            correspond with the name as written upon
                            the face of the certificate in every particular,
                            without alteration or enlargement or any
                            change whatsoever.

<PAGE>

SIGNATURES GUARANTEED

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THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION
(BANKS, STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH
MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM), PURSUANT TO
S.E.C. RULE 17Ad-15.<PAGE>
                                                                   Exhibit 10.19

            NINTH AMENDMENT TO WAREHOUSE LOAN AND SECURITY
                                   AGREEMENT

     This Ninth Amendment to Warehouse Loan and Security Agreement, dated as of
April 16, 2004 (this "Amendment"), is by and among Financial Pacific Funding,
LLC ("Borrower"), Financial Pacific Leasing, LLC, ("Servicer"), Financial
Pacific Company ("Parent"), Wells Fargo Bank, National Association (as successor
by merger to Wells Fargo Bank Minnesota, National Association, formerly known as
Norwest bank Minnesota, National Association, as collateral agent (in such
capacity, "Collateral Agent") and as standby servicer (in such capacity,
"Standby Servicer"), YC SUSI Trust (as assignee of Receivables Capital
Corporation) ("YC SUSI Trust"), the financial institutions party hereto, as
parallel lenders ("Parallel Lenders"), and Bank of America, N.A. (as successor
to Bank of America National Trust and Savings Association), as administrative
agent and bank agent (the "Administrative Agent").

                                   BACKGROUND

     1.   Borrower, Servicer, Parent, Collateral Agent, Standby Servicer, YC
SUSI Trust, the Parallel Lenders and the Administrative Agent are parties to
that certain Warehouse Loan and Security Agreement, dated as of December 30,
1998 (as heretofore amended, the "Warehouse Agreement").

     2.   The parties hereto desire to amend the Warehouse Agreement in certain
respects as set forth herein.

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

     SECTION 1.  Definitions.  Capitalized terms used in this Amendment and not
otherwise defined herein shall have the meanings assigned thereto in the
Warehouse Agreement, as amended hereby.

     SECTION 2.  Amendments.  Section 2.14(a) of the Warehouse Agreement is
hereby amended by deleting the date "October 25, 2004" where it appears therein
and substituting therefor the date "April 15, 2005."

     SECTION 3.  Representations and Warranties.  Borrower and Servicer hereby
represent and warrant that (i) after giving effect to this Amendment, the
representations and warranties contained in Section 7.1 of the Warehouse
Agreement and Section 8.1 of the Warehouse Agreement, respectively, are true and
correct on and as of the date hereof as though made on and as of such date, and
shall have been deemed to have been made on and as of such date, and (ii) no
event has occurred and is continuing, or would result from this Amendment, that
constitutes a Default or Event of Default.

     SECTION 4.  Conditions to Effectiveness.  This Amendment shall become
effective on the date hereof, subject to the satisfaction of the following
conditions precedent:

     (a)  Each of the Notice Parties shall have received:

          (i)    This Amendment, duly executed by each of the parties hereto;

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          (ii)  A copy of the board of managers or directors, managers or member
     consents of each Borrower Party, as applicable, approving this Amendment,
     certified by its Secretary or Chief Financial Officer;

          (iii)  Good standing certificates for each Borrower Party issued by
     the Secretaries of State of each State where each such Borrower Party is
     organized or has its principal place of business;

          (iv)  A certificate of the Secretary or Chief Financial Officer, as
     applicable, of each Borrower Party certifying (A) the names and true
     signatures of the officers authorized on its behalf to sign this Amendment
     and (B) that the limited liability company agreement of such Borrowing
     Party has not been modified or amended since December 30, 1998;

          (v)  Constituent documents of each Borrower Party, duly certified by
     the Secretary of State of the State in which each such Borrower Party is
     organized, as of a recent date acceptable to the Notice Parties;

          (vi)  A favorable opinion of counsel for the Borrower Parties as to
     the enforceability, due execution and authorization of this Amendment and
     as to such other matters as any Notice Party shall have reasonably
     requested; and

          (vii)  A replacement Premium Letter shall have been executed
     reflecting any change in the MBIA Premium.

     (b)  Financial Pacific shall have paid any and all fees due to the Agent or
the Surety Provider in connection with the execution of this Amendment.

     SECTION 5.  Miscellaneous.  The Warehouse Agreement, as amended hereby,
remains in full force and effect. Any reference to the Warehouse Agreement from
and after the date hereof shall be deemed to refer to the Warehouse Agreement as
amended hereby, unless otherwise expressly stated. This Amendment may be
executed in any number of counterparts and by the 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 constitute one and the same
agreement. This Amendment may be executed by facsimile. 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
Section 5-1401 of the New York General Obligations Law) and the obligations,
rights and remedies of the parties under this Amendment shall be determined in
accordance with such laws.

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

                                        FINANCIAL PACIFIC FUNDING, LLC

                                        By: /s/ Peter A. Davis
                                            ------------------------------
                                        Name Printed: Peter A. Davis
                                                      --------------------
                                        Title: Chief Financial Officer
                                               ---------------------------

                                        FINANCIAL PACIFIC LEASING, LLC

                                        By: /s/ Peter A. Davis
                                            ------------------------------
                                        Name Printed: Peter A. Davis
                                                      --------------------
                                        Title: Chief Financial Officer
                                               ---------------------------

                                        FINANCIAL PACIFIC COMPANY

                                        By: /s/ Peter A. Davis
                                            ------------------------------
                                        Name Printed: Peter A. Davis
                                                      --------------------
                                        Title: Chief Financial Officer
                                               ---------------------------

                                        WELLS FARGO BANK, NATIONAL ASSOCIATION
                                        (as successor by merger to Wells Fargo
                                        Bank Minnesota, National Association,
                                        formerly known as Norwest Bank
                                        Minnesota, National Association), as
                                        Collateral Agent and Standby Servicer

                                        By: /s/ Cheryl Zimmerman
                                            ------------------------------
                                        Name Printed: Cheryl Zimmerman
                                                      --------------------
                                        Title: Assistant Vice President
                                               ---------------------------
<PAGE>
                                        YC SUSI TRUST,
                                        as Lender

                                        By: Bank of America, National
                                             Association, As Administrative
                                             Trustee

                                        By: /s/ John K. Svolos
                                            ---------------------------------
                                        Name Printed: John K. Svolos
                                                      -----------------------
                                        Title: Principal
                                               ------------------------------

                                        BANK OF AMERICA, N.A. (as successor to
                                        Bank of America National Trust and
                                        Savings Association), as Administrative
                                        Agent and as Bank Agent

                                        By: /s/ John K. Svolos
                                            --------------------------------
                                        Name Printed: John K. Svolos
                                                      ----------------------
                                        Title: Principal
                                               -----------------------------

                                        BANK OF AMERICA, N.A., as a
                                                             Parallel Lender

                                        By: /s/ John K. Svolos
                                            --------------------------------
                                        Name Printed: John K. Svolos
                                                      ----------------------
                                        Title: Principal
                                               -----------------------------

<PAGE>
ACKNOWLEDGED AND AGREED:        MBIA INSURANCE CORPORATION

                                        By: /s/ Andrew P. Laterza
                                            --------------------------------
                                        Name Printed: Andrew P. Laterza
                                                      ----------------------
                                        Title: Vice President
                                               -----------------------------

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