Document:

ONECAP

                    A Nevada Corporation

                        Exhibit 10 e.

        Wholesale Lending Agreement with Interfirst,
        A Division of ABN Amro Mortgage Corporation,
                   Signed October 8. 1999

                 WHOLESALE LENDING AGREEMENT

      This agreement is made this ______ day of ______, 2000
by  and  between ABN AMRO Mortgage Group, Inc.,  a  Delaware
corporation of 177 E. Eisenhower Pkwy., Ste. 700, Ann Arbor,
MI  48108  ("Buyer") and  OneCap /s/ of Las  Vegas,  NV  /s/
("Seller").

                          RECITALS:

     A.   Seller is in the business of originating, processing,
the  applications  for,  and  preparing  and  arranging  the
closing of, residential estate mortgage loans.

     B.   Buyer, from time to time desires to purchase or fund
such  mortgage  loans  and  the related  mortgage  servicing
rights;  and  seller desires to deliver such mortgage  loans
and the related mortgage servicing rights to Buyer.

     Now,  therefore,  for good and valuable  consideration,
the  receipt  of  which  is hereby acknowledged,  Buyer  and
Seller agree as follows:

     ARTICLE I

1.         DEFINITIONS

      The  following  words and phrases,  as  used  in  this
Agreement shall have the following meanings:

     a)   "Borrower" shall mean the individuals who are obligated
to pay under the terms of the Mortgage Note.

     b)   "Commitment" shall mean that written correspondence
sent by Buyer to Seller which indicates Buyer agrees to fund
or  purposes a specific Mortgage Loan if all the  conditions
stated in the Commitment, this Agreement, the Manual and  as
required by FHLMC or FNMA guidelines are met.

     c)   "Delivery Date" shall mean the date on or before which
a mortgage loan must be delivered to Buyer.

     d)    "FHMLC" shall mean The Federal Home Loan Mortgage
Corporation.

     e)    "FNMA"  shall mean The Federal National  Mortgage
Association.

     f)   "Manual" shall mean that certain Client Services Manual
as  given  to Seller by Buyer which contains the procedures,
terms,  conditions and mortgage loan documents required  for
the use by Buyer, as it may be amended from time to time.

     g)   "Mortgage" shall mean a mortgage or deed of trust or
the Mortgaged Property securing a Mortgage Loan.

     h)   "Mortgaged Property" shall mean a single family (or up
in  one-to-four  family) residence which is subject  to  the
Mortgage.

     i)   "Mortgage Loan" shall mean these loans evidenced by
Mortgage  Notes, secured by the related Mortgages,  together
with  the  associated servicing rights, the  application  of
which   will   be  taken  and  processed  by   seller,   and
underwritten by and purchased by Buyer, from time to time.

     j)   'Mortgage Note" shall mean that certain promissory note
given by Borrower to Seller, as secured by the Mortgage.

     k)   "Mortgagor" shall mean the individuals who own the
Mortgaged Property and who executed the Mortgage.

     l)    "Rate Lock" shall mean that communication by  and
between  Buyer and Seller whereby Buyer agrees  to  fund  or
purchases  a  Mortgage  Loan at a particular  interest  rate
within  a  particular  time period, and  Seller  aggress  to
deliver a Mortgage Loan at that interest rate and with  that
time period.

     The  definitions of other terms used in this Agreement,
or  in  any other document arising from this Agreement shall
be  interpreted in accordance with FHLMC or FNMA definitions
and usages.

2.   TERMS AND CONDITIONS OF SALE

     a)   At the request of Seller, and providing Seller complies
with the terms of this Agreement, and providing the proposed
or   existing  Mortgage  Loan  conforms  with  Buyer's  then
applicable  underwriting standards, Buyer  may,  in  Buyer's
sole  and absolute discretion issue a Commitment to fund  or
purchase  the  Mortgage Loan.  Notwithstanding  anything  in
this  Agreement  to  the  contrary,  Buyer  shall  only   be
obligated  to  fund or purchase a Mortgage  Loan:  1)  if  a
Commitment to fund or purchase the Mortgage Loan was  issued
by  Buyer; ii) if Seller, and the Mortgage, strictly conform
with the terms of the Commitment and this Agreement; iii) if
the  Mortgage  Loan is salable to FHLMC, FNMA or  a  prudent
investor in the recognized secondary mortgage market,  or  ,
is  underwritten  by  Buyer, conforms with  all  of  Buyer's
underwriting  requirement; and iv) if all document  relating
to the Mortgage Loan are complete and acceptable to Buyer in
its sole and absolute discretion.

     b)   Seller shall submit to Buyer, as available, application
for, or other offerings of, Mortgage Loans, of the kinds and
types and containing such terms and conditions as Buyer  may
from  time to time prescribe.  Upon Acceptance and  approval
of  any  such application or offering.  Buyer, in  its  sole
discretion,  shall  issue a Commitment  to  Seller  for  the
funding  or  purchase  of the Mortgage  loan  stating  where
applicable the interest rate, discount pointe, margin,  loan
term, first interest rate, adjustment date, other terms  and
conditions  of  the funding or purchase, and Delivery  Date,
subject to which Buyer will hold the Mortgage Loan.

     c)   Seller shall present to buyer for its underwriting
review, property, and credit information as to the Mortgagor
and  Mortgaged  Property as specified in the Manual  and  in
FHMA and FHLMC guidelines.  Mortgage loan Applications shall
be  underwritten  by Buyer in accordance  with  its  program
specifications  and  current  underwriting  policies   which
shall,  from  time  to  time,  be  communicated  to  Seller.
Decisions  as  to  the acceptability of Mortgage  Loans  for
funding  or  purchase  by  Buyer  shall  be  solely  at  the
discretion of Buyer.  Buyer shall have no responsibility  to
fund  or  purchase any Mortgage Loan until all  underwriting
and  closing  conditions, as stated in the  Commitment  have
been met.

     d)   Seller shall use its best efforts to close each loan on
which  a  Commitment or Rate Lock has been  issued.   Seller
agrees  that  the mandatory delivery date as stated  in  the
Commitment  or  Rate  Lock may only be extended  by  Buyer's
issuing a written amendment to the Commitment or Rate  Lock.
Seller agrees that delivery of Mortgage Loans closed under a
commitment  is  mandatory.  If Seller  does  not  deliver  a
Mortgage  Loan upon which Buyer has issued a Rate  Lock  and
the  Mortgage Loan actually closes, Buyer may require Seller
to  pay  and  all losses, expenses and damages  incurred  by
Buyer as a result of non-delivery of the Mortgage Loan under
the terms committed in the Rate Lock.

     e)   Any Commitment issued by Buyer is voidable by Buyer if
Buyer  believes,  in  good faith, that Seller  breached  any
material  term  or  condition of this Agreement  as  to  any
Mortgage Loan offered by Seller for funding or purchase,  or
as  to  any  Mortgage Loan actually purchased by Buyer  from
Seller.   Buyer may void such a Commitment by giving written
notice thereof to Seller at any time prior to payment for  a
Mortgage Loan, which notice shall be effective upon  mailing
or telefaxing.

3.   REPRESENTATION AND WARRANTIES

     Seller  represent, warrants and agrees  and,  for  each
Mortgage  Loan  to be funded or purchased by  Buyer,  Seller
shall  be deemed to represent, warrant and agree; as of  the
date  of this Agreement and as of each subsequent date  that
Buyer  funds the purchase price for each Mortgage  Loan,  as
follows:

     a)   Seller is duly organized and existing in good standing
under the laws of the state of its incorporation.

     b)   Seller has all requisite power, authority and capacity
to  enter into this Agreement and to perform all obligations
required  of  it hereunder and compliance with  any  of  the
terms  and conditions contained herein will not violate  any
provisions of its documents of organization.

     c)   Either Seller or Buyer is the named mortgagee for all
loans purchased or funded under this Agreement.

     d)   Seller has materially performed and complied with all
covenants, and agreements contained in this Agreement.

     e)   Seller is the sole owner and holder of the loan and has
the  authority to sell, transfer, and assign to  Buyer  each
Mortgage  Loan,  and  further,  shall  have  the  right  and
authority to sell, transfer and assign to Buyer any payments
owing thereunder and to assign to Buyer each Mortgage.

     f)   Seller has not made any prior sale, pledge, assignment
or  hypothecation  of  any Mortgage  Loan  covered  by  this
Agreement,  or any portion thereof, to any other  person  or
entity,  which  shall  not  be automatically  released  upon
Buyer's payment for the purchase of the Mortgage Loan.

     g)   The payment of any sums owing under any Mortgage Loan
is  not  contingent  upon fulfillment of any  conditions  or
warranties, expressed or implied.

     h)   Seller does not know of any suit, action, arbitration,
or  legal  administrative  or other  proceeding  pending  or
threatened  against  Seller,  Mortgagor,  Borrower  or   the
Property  which  would  affect its ability  to  perform  its
obligations under this Agreement.

     i)    Each  Mortgage Loan is valid and, to the best  of
Seller's  knowledge, secured by a valid first  lien  on  the
Mortgaged Property and, the Mortgaged Property is  free  and
clear of all encumbrances and liens having priority over the
lien of each Mortgage Loan except for real estate taxes  and
special  assessments, not yet due and payable.   A  mortgage
title  insurance policy on currently prescribed ALTA  Forces
(or  such  other  form  approved in  writing  by  Buyer  and
acceptable to FNMA or FHLMC) will be furnished to Buyer  and
will  insure  Buyer,  its  successors  and  assigns  without
exceptions,  as  holding the first  lien  against  the  real
estate for the full amount of the Mortgage Loan.  Seller  or
an  attorney  acting in Seller's behalf,  has  obtained  and
reviewed a commitment to insure the title and first lien  on
the  Mortgaged Property to assure that the warranty made  in
this sub-paragraph (i) is true and to accurate.

     j)   Neither the Borrower not the mortgagor have any set-
offs,  counter-claims or defenses to the Promissory note  or
the Mortgage rising from the acts and/or omissions of Seller
in  the  origination of Mortgage Loan and  to  the  best  of
Seller's knowledge, all signatures on said Mortgage Note and
Mortgage  are  the  true signatures  of  the  Mortgagor  and
Borrower as applicable.

     k)    All  Mortgage  Loans  originated  by  Seller  for
sale/assignment to Buyer are not usurious as of the  date(s)
of origination of said Mortgage Loans.

     l)   The Mortgaged Property is covered by a valid paid-in
full  policy of hazard insurance, covering at least the full
interest  of the Mortgage which policy shall be assigned  to
Buyer,  with Buyer named as mortgagee and additional insured
on each such policy, in place of Seller, effective as of the
date of purchase by Buyer.

     m)    Seller has not: modified any Mortgage Loan in any
material  respect; satisfied, canceled or  subordinated  any
Mortgage  Loan  in whole or in part; released the  Mortgaged
Property  in whole or in part from the lien of any  Mortgage
Loan;  or  executed any instrument of release, cancellation,
modification or satisfaction of any Mortgage Loan.

     n)   Each Mortgage Loan is not 15 days or more delinquent
and there are no defaults in complying with the terms of any
Mortgage  Loan, and, to the best of Seller's knowledge,  all
taxes,  governmental assessments, insurance premiums, water,
sewer  and  municipal charges relating to any  loan  or  any
Mortgaged  Property which previously became  due  and  owing
have  been  paid, or an escrow of funds has been established
in  an  amount sufficient to pay for every such  item  which
remains  unpaid.  Seller has not advanced funds, or induced,
solicited  or knowingly received any advance of funds  by  a
party  other than the Borrower, directly or indirectly,  for
the  payment  of  any amount required by any Mortgage  Loan,
except  for interest securing from the date of the  Mortgage
note  or date of disbursement of the Mortgage Loan proceeds,
whichever is greater, to the day which precedes by one month
the  due  date  of  the first installment of  principal  and
interest.

     o)   All documents or instruments submitted by Seller in
connection with a Mortgage Loan are, in every respect, valid
and  genuine, being what on their face they purport  to  be,
and  all  information  (credit or  otherwise)  submitted  in
connection  with  such Mortgage Loan packages  is  true  and
accurate.

     p)    To  the best of Seller's knowledge, there  is  no
proceeding pending for the total or partial condemnation  of
any Mortgaged Property and the Mortgaged Property is free of
substantial damage (including) but not limited to any damage
by fire, windstorm or other casualty) and in good repair.

     q)    To  the  best of Seller's knowledge, all  of  the
improvements   which  are  included  for  the   purpose   of
determining  the  appraised value of any Mortgaged  Property
lie  wholly  within the boundaries and building restrictions
lines  of  such  Mortgaged Property, and no improvements  on
adjoining  properties encroach upon the  Mortgage  Property.
Seller has obtained a mortgage title insurance policy issued
without standard exceptions.

     r)    Seller  has no knowledge of any circumstances  or
conditions  with  respect  to any Mortgage  Loan,  Mortgaged
Property,  the  Borrower, the Mortgagor  or  Mortgagor's  or
Borrower's  credit standing that can be reasonably  expected
to  cause  private institutional investors, FNMA, FHLMC,  or
GNMA  to regard the loan as an unacceptable investment cause
the  Mortgage Loan to become delinquent or adversely  effect
the value or marketability of the Mortgage Loan.

     s)   Seller has no knowledge that any improvement located on
or  being  part of the Mortgage Property is in violation  of
any applicable zoning law or regulation.

     t)   If any Mortgage Loan is represented as being insured or
guaranteed  or  was required to be insured or guaranteed  by
Buyer  as  a  condition of the purchase in  the  Commitment,
pursuant  to  a contract with a mortgage insurance  company.
Seller  has complied with all applicable provisions  of  the
contract  or  mortgage  insurance  or  guarantee   and   the
insurance or guarantee is in full force and effect.

     u)    Seller  has made to the Mortgage or Borrower  all
disclosures required by state and federal law in an accurate
and  timely fashion each Mortgage Loan and the documentation
pertaining  thereto  comply and conform  with  all  federal;
state  and  local  laws  and regulation  applicable  thereto
including,  without limitation, the Equal Credit Opportunity
Act,  Regulation  S,  Fair Credit Reporting  Act,  the  Fair
Housing  Act, the Real Estate Settlement and Procedure  Act,
Regulation  X,  and  the Federal Truth in  Lending  Act  and
Regulation  Z; the Flood Disaster Protection Act;  the  Fair
Credit Reporting Act; the Home Mortgage Disclosure Act;  and
any  application  laws,  rules  or  regulations  issued   by
HUD/FHA; VA; the Office of Thrift Supervision; the Office of
the  Comptroller  of  the Currency and the  Federal  Deposit
insurance Corporation; and with all terms and conditions set
forth in the Commitment.

     v)    Seller has complied with all requirements of  the
Federal   Credit  Opportunities  Act  ("Reg  B"),  including
issuing any denial letters required thereunder and gathering
government monitoring information.

     w)   All required reports have been filed with the Internal
Revenue  Service  as to discount points received  by  Seller
from the Borrower, or from the Seller of the property.   The
Seller  has  obtained the correct tax payer ID  number  from
Borrower.

     x)   Seller has all applicable and required license and
registration required to do business and originate  Mortgage
Loans  in each state in which it is doing business.   Copies
of  such  licenses and registration have been  delivered  to
Buyer.

     y)    To the best of Seller's knowledge, each Mortgage,
assignment,  financing  statement, if  any,  and  any  other
document required to be filed or recorded in a public office
perfect  the lien of the Mortgage against third parties  has
been duly and timely filed or recovered.

     z)   All escrow accounts pertaining to any Mortgage Loan are
maintained  n accordance with the terms of the Mortgage  and
related  agreements and in accordance with applicable  state
and  federal laws.  The full amount held in escrow has  been
transferred  to  Buyer  on the date the  Mortgage  Loan  was
transferred to Buyer.  No interest on escrow is required  or
promise, "by contract" only unless required by state law.

     The  above  warranties shall survive the  execution  of
this Agreement and shall inure to the benefit of Buyer,  its
successors  and  signs Seller acknowledges  that  Buyer  has
funded  or  purchased, and any transfers or purchaser,  will
purchase, the Mortgage Loans in reliance upon  the truth and
accuracy of each of the above warranties.

4.   BUYER'S REPRESENTATIONS AND WARRANTIES

     Buyer represents, and warrants that:

     a)   Buyer is a Delaware corporation, duly organized and
existing under the laws of the State of Delaware.

     b)   Buyer has all requisite power, authority and capacity
to  enter into this Agreement and to perform all obligations
required  if it hereunder and its compliance with the  terms
and  conditions contained herein will violate any provisions
of its documents of organization.

5.   INDEMNIFICATION OF BUYER BY SELLER

     a)   Seller shall defend and indemnify Buyer and hold Buyer
harmless from any and all liability, claims, losses or other
damages, including loss or damage due to the unmarketability
of   any  loan  and  resulting  from  i)  any  negligent  or
fraudulent  act  or  omission of Seller  or  its  agents  or
employees;  or  ii) any material breach of any  warranty  or
representation contained herein; or iii) any material breach
of  all term or condition of this Agreement; or iv) Seller's
use  for  any  Mortgage  Loan of any form  or  document  not
provided  or  approved by Buyer; or any miscalculations  and
other   errors   which  result  from  Seller's   independent
processing  procedures and for its misuse or  alteration  of
any forms or documents provided by Buyer.

     b)   If Buyer suffers any liability, loss or damage, or if
any claim, action or proceeding shall be asserted or brought
against  Buyer  by  reason of any such act  or  omission  of
Seller, as stated in paragraph (a) above, Seller shall, upon
demand from Buyer, obtain, at its expense, representation by
legal  counsel  acceptable to Buyer to defend Buyer  against
any  such  action  and/or  claim and  shall  pay  all  costs
incurred by Buyer in such defense.

6.   REPURCHASE

     c)   Buyer, written notice to Seller, shall have the right
to  require Seller to repurchase a Mortgage Loan for any  of
the  following reasons.  i) if a representation or  warranty
given  by  Seller  all  to  a particular  Mortgage  Loan  is
materially breached; ii) if there has been a material period
of  time after the loan closing, the determination of  which
is at Buyer's discretion; or iv) if Buyer discovers fraud in
the part of Seller or its agents or employees or Borrower or
Mortgagor  or  v) if FHLMC, FNMA or any other  investor  has
requested the repurchase of the Mortgage Loan because of any
of the breaches stated in paragraph i - iv herein.
d)   At Buyer's option, Seller shall, within such reasonable
time frames as set by Buyer in the notice, be required, at
Seller's option, to either promptly cure such breach or
defeot (if curable) or repurchase the Mortgage Loan if the
defect is not cured within such period as FHLMC or FNMA
permit seller shall immediately repurchase the Loan.  The
repurchase price shall be derived by multiplying the unpaid
balance of the Mortgage Loan as of the date of repurchase of
the Mortgage Loan by the purchase price (expressed as a
percentage of par) originally paid by the Buyer for such
Mortgage Loan by Seller and any charges incurred by or
properly payable to Buyer, including but not limited to, any
discount (calculated the same as above) paid by Buyer upon
sale, if any of the Mortgage Loan.

      Upon any such repurchase of a Mortgage Loan by Seller,
Buyer shall endorse the Mortgage Note (without recourse) and
shall assign any security therefore (without recourse and in
recordable form) to Seller.

7.   OTHER REMEDIES

     In   addition  to  the  Indemnification  and  Right  of
Repurchase set forth above, Buyer shall be entitled  to  any
other  remedy otherwise available to Buyer at law or equity.
Buyer  may  also  offset any sum due to  Buyer  from  Seller
against sums due from Buyer to Seller.

8.   INDEMNIFICATION OF SELLER BY BUYER

     If Buyer materially breaches this Agreement, Seller may
recover  damages from Buyer.  Buyer agree to  indemnify  and
hold  Seller  harmless from and in respect to, any  and  all
losses,  liabilities, costs and expenses  which  Seller  may
incur  in  connection with or as a result  of  any  material
breach  of any covenant, representation or warranty made  by
Buyer hereunder.

9.   TERMINATION DEFAULT

     a)    Either party may terminate this Agreement at  any
time  without  cause  upon thirty (30)  days  prior  written
notice.    Termination  shall  not  affect  any  outstanding
commitments  to  sell or purchase Mortgage  Loans  or  limit
Seller's duties or obligations to Buyer under this Agreement
with respect to Mortgage Loans already purchased by Buyer.
     b)    If Seller materially fails to perform any of  the
terms  and  conditions  of  this  Agreement;  or  if  Seller
materially breaches any of its representations or warranties
contained herein; or if Seller acts negligently or if  fraud
is  discovered as to any Mortgagor or Mortgage  Loan,  Buyer
may  terminate this Agreement immediately, by giving written
notice  to  Seller (which notice may be sent  via  telefax).
Upon such termination for cause Buyer's obligation under any
existing  Commitment  shall terminate,  although  Buyer  may
continue  to honor any outstanding Commitments in  its  sole
discretion.

10.  MISCELLANEOUS

     a)   This Agreement is not assignable or transferable by
          Seller.

     b)   All notices require or desired to be given pursuant to
this  Agreement  shall  be deemed  sufficient  if  given  in
writing  delivered  personally or sent  be  Certified  Mail,
return  receipt  requested,  postage  prepaid  addressed  as
follows:

     If to Buyer:

     ABN AMRO Mortgage Group, Inc.
     InterFirst Division
     777 E. Eisenhower Pkwy., Ste. 700
     Ann Arbor, MI 48108

     If to Seller:

     ______/s/OneCap______
     __/s/ 1025 East Twain Avenue__
     __/s/__Las Vegas, Nevada 89109

The  address to which notices are to be made may be  changed
by  the  respective parties from time to time  by  providing
written notices thereof to the other party.

     c)    This  Agreement and all instruments  executed  in
connection  herewithin shall be construed according  to  the
laws  of  the State of Michigan.  The parties hereto  submit
themselves to the jurisdiction of the courts of the State of
Michigan.   Any suit or action arising out of this Agreement
or  any  instrument executed in connection herewith  may  be
brought  in  the  court  of competent jurisdiction  for  the
County  of  Washtenaw,  State of Michigan,  or  the  Federal
District Court for the Eastern District of Michigan Southern
Division.

     d)   This Agreement may only be modified by means of written
amendment executed by each of the parties hereto, and  shall
supersede  any  prior "Selling Agreement" or  "Correspondent
Agreement" previously executed by the parties.

     e)   Seller agrees to supply Buyer, on an annual basis,
within  120  days after Seller's fiscal year and,  financial
statements  (including a balance sheet and profit  and  loss
statement)  and, if required by Buyer, verification  of  its
fidelity bond and forgery and errors and omissions insurance
coverage.

     f)   In the event any provision contained in this Agreement
is   illegal  or  unenforceable,  this  Agreement  shall  be
construed as if the illegal or unenforceable provision  were
not a part of it.

     g)   Notwithstanding the use of a particular word or phrase,
or  any  other  implication, it is expressly understood  and
agreed  that Seller, in every instance contemplated by  this
Agreement is the Offeror making the offer to be accepted  by
the  Buyer,  the  Offeree,  with the  Commitment  being  the
evidence of acceptance.

     h)   Nothing contained herein shall be construed as creating
an  agency relationship between Seller and Buyer, Seller  is
expressed  not authorized to act as the agent of Buyer  with
respect to this Agreement or in any other capacity.

     i)   All representations, warranties, covenants, indemnities
and  agreements  to repurchase pertaining to  each  Mortgage
Loan  purchase  under  this  Agreement  shall  survive  this
Agreement  and  remain in full force and  effect  until  the
interest  of  Buyer and its successors and assigns  in  such
Mortgage Loan is terminated completely.

     j)   This agreement is made as of the date stated in the
first paragraph hereof.

                              "Buyer"

                              ABN  AMRO Mortgage Group, Inc.
                              a
                              Delaware Corporation

                              By:_____/s/____
                              Its: __Vice President

                              "Seller"
                              ___/s/___ OneCap
                              a ____/s/__ Nevada Corporation

                              By:_____/s/  Scott   Lawrence,
                              V.P.
                              Its:_____/s/__V.P.ONECAP

                      A Nevada Corporation

                          Exhibit 10 f

     Loan Broker Agreement with Irwin Mortgage Corporation,
                     Signed October 14, 1999

Loan Broker Agreement

This  Agreement, made and entered into this    14th  /s/  day  of
/s/   October  ,  19  /s/  99,  by  and  between  Irwin  Mortgage
Corporation,  an Indiana corporation ("Irwin")  and   /s/  OneCap
("Broker").

Whereas,  Broker is in the business of originating first mortgage
real  estate  loans  by taking and processing  loan  applications
from  prospective borrowers and placing these applications  on  a
non-exclusive  basis  with mortgage lenders  such  as  Irwin  who
underwrite, close and fund approved loans; and

Whereas,   Irwin   and  Broker  desire  to  engage   in   similar
transactions for such loans ("Loans")

Now  therefore,  in  consideration of the  mutual  promises  made
herein  and the terms and conditions set forth below,  Irwin  and
Broker agree as follows:

                           PROCEDURES

1.    Registering Loans.  Broker may from time to  time  register
Loans  with  Irwin.   The price for any such Loans,  the  lock-in
period,  and all other price issues will be governed  by  Irwin's
Pricing  Policy  and Procedures, a copy of which is  attached  to
this Agreement.  By locking in a Loan,  Irwin agrees to fund  the
Loan, provided that the Loan complies with all provisions of this
Agreement and the Irwin Pricing Policy and Procedures.  Irwin  in
its  sole discretion, reserves the right to change prices and its
pricing  policy at any time and without prior notice  to  Broker.
In  no  event, however, shall such a change in prices or  pricing
policy affect a Loan previously locked-in with Irwin by Broker.

2.   Status of Registered Loans.  Broker will keep Irwin informed
as  to  the pipeline status of Loans to be funded by Irwin  under
this Agreement.

3.   Broker Duties. Broker understands and agrees that payment of
any  compensation  shall be based solely on actual  and  specific
loan  origination and processing services provided by  Broker  in
connection  with  each  Loan transaction.  These  services  shall
include,  but  are not limited to, the following: (a)  counseling
borrowers  concerning  availability  of  various  loans  and  the
general  process of obtaining a loan; (b) explaining to borrowers
Irwin's  loan  products,  programs and  lending  philosophy;  (c)
completing  the  loan  application with borrowers  and  obtaining
signatures thereto; (d) obtaining merged credit reports including
FICO  scores  from two repositories; (e) evaluating  such  credit
information  to pre-qualify borrowers for Irwin's  loan  products
and  programs;  (f)  assisting  borrowers  with  explanations  of
delinquent credit; (g) preparing Good Faith Estimates as required
by  the  Real  Estate Settlement Procedures Act  and  preliminary
Truth  in  Lending Act disclosures and sending same to  borrowers
within  three  (3)  business days of application;  (h)  providing
borrowers  with all other disclosures required by federal,  state
or  local  laws  or  regulations; (i) obtaining  loan  processing
information such as verifications of employment and deposits, tax
filing  and  pay  stubs;  (j) processing information  to  further
qualify  borrowers for an Irwin loan products  or  programs;  (k)
ordering  property  appraisals and reviewing  same  to  ascertain
conditions; (l) ordering title reports and comments; (m)  keeping
borrowers  informed  of  status  of  loan  application;  and  (n)
submitting  fully  processed  application  files  to  Irwin   for
understanding.

4.   Delivery of Loan Files.  Irwin will work directly with title
companies,  closing  agents and attorneys to ensure  delivery  to
Irwin  of  loan documents for Loans closed under this  Agreement.
However,  where Irwin agrees to allow Broker to prepare  its  own
closing  document, Broker will deliver all closing  documents  to
Irwin within three (3) days of loan closing.

5.      Delivery   of   Other   Information/Documentation.    All
information  and documentation on any Loan required by  Irwin  to
satisfy  the  requirements of FHA, VA, GNMA, GNMA, FHLMC  or  any
private investor or poll commitment shall be delivered by  Broker
to  Irwin  no  later than thirty (30) calendar  days  after  Loan
closing.   Broker  understands that the timely  receipt  of  such
information and documentation is of critical importance to Irwin,
and  agrees to cooperate to the best of its ability in  obtaining
and  delivering all necessary items to Irwin within the  required
thirty  (30)  days,  Any failure by Broker to  comply  with  this
provision could result in the required repurchase of the affected
Loan  or  Loans from Irwin and/or the formation of this Agreement
by Irwin.

6.     Underwriting.   Broker  to  pay  an  underwriting  fee  as
established in writing by Irwin from time to time for  all  Loans
Irwin underwrites.  The underwriting of a Loan by Irwin shall not
affect  in  any  way  Broker's  obligation  hereunder,  including
without  limitation,  Broker's  repurchase  obligations  and   or
indemnification obligations under this Agreement.

7.    Irwin  Liability  to  Broker for  Registration/Underwriting
Loans.  Notwithstanding any language in  this  Agreement  to  the
contrary, Irwin shall have no liability to the Broker for any act
or  omission  related to the registration and/or underwriting  of
Loans, including but not limited to those caused by equipment  or
computer failures, labor strike or walkouts, casualty, and act of
God,   except  where  such  act  or  omission  constitutes  gross
negligence on the part of Irwin.

              BROKER REPRESENTATIONS AND WARRANTIES

8.    Broker Representations and Warranties.  Broker hereby makes
the  following  representations and warranties  to  Irwin,  which
shall  be deemed made as of the date hereof, and hereafter as  to
each and every date Broker submits a Loan to Irwin.

A.   As to Broker:

1.    Broker  is  duly organized, validly existing  and  in  good
standing  under  the  laws of its state of incorporation  and  is
qualified  to  transact business, has all licenses,  permits  and
registrations and is in good standing in each state where  Broker
originates  Loans, as necessary to engage in the mortgage  broker
business and to perform as set forth in this Agreement;
2.   Broker has the full power and authority to enter into this
Agreement and neither the execution and delivery of this
Agreement or the consummation of the transaction contemplated
herein, nor the fulfillment of or compliance with the terms and
conditions of this Agreement, will conflict or result in a branch
of any term, condition or provision of Broker's certificate of
incorporation or by-laws or any agreement to which Broker is a
party or by which Broker is bound, or constitute a material
default or result in an acceleration under any of the following:
3.   No consent, approval, authorization or order of any court,
governmental body or any other person or entity is required for
the execution, delivery and performance by Broker of this
Agreement including, but not limited to, submission of Loans to
Irwin;
4.   Neither Broker nor its agents know of any suit, action,
arbitration, or legal or administrative or other proceeding
pending or threatened against Broker which would affect its
ability to perform its obligations under this Agreement; and
5.   This Agreement has been duly authorized and executed by
Broker and is, or upon delivery will be, a legal, valid and
binding obligation of Broker enforceable in accordance with its
terms, subject only to applicable bankruptcy, reorganization,
insolvency, moratorium or other similar laws affecting creditor
rights generally.

B.   As to each Loan:

1.    Each  Loan is a valid first lien on the mortgaged  property
free and clear of all encumbrances and liens having priority over
the  lien of such Loan, except for real estate taxes and  special
assessments not yet due and payable;
2.   The mortgaged property is free and clear of all mechanic's
and material men's liens or liens in the nature thereof, and no
rights are outstanding that under law could give rise to any such
lien, nor is Broker aware of any facts which could give rise to
any such lien;
3.   Broker shall deliver to Irwin an appraisal report of the
mortgaged property for each such Loan signed by an appraiser
approved or acceptable to Irwin, which report shall be on the
applicable FNMA form for the type of property securing the Loan,
prior to Irwin's approval of such Loan.  In the case of insured
or guaranteeing agency of its acceptance of the valuation
assigned to the real estate security by the appraiser;
4.   All federal and state laws, rules and regulations applicable
to the Loans have been complied with, including but not limited
to: The Real Estate Settlement Procedures Act; the Flood Disaster
Protection Act; the Federal Consumer Credit Protection Act
including the Truth-in-Lending and Equal Credit Opportunity Acts;
the Home Mortgage Disclosure Act, the Fair Housing Act; statues
or regulations governing fraud, lack of consideration,
unconscionability, consumer credit transactions or interest
charges; and all conditions within the control of Broker as to
the validity of the insurance or guaranty as required by the
National Housing Act of 1934, and the rules and regulations
thereunder; or as required by the Servicemen's Readjustment Act
of 1944, and the rules and regulations thereunder; or as imposed
by the mortgage insurance companies or other insurers;
5.   No Loan is the subject of litigation which could affect
Broker's ability to enforce the terms of the obligation or its
rights under the Loan documents;
6.   There is in force for each Loan a paid-up title insurance
policy issued by an Irwin-approved title company in the amount at
least equal to the outstanding principal balance of the Loan;
7.   There is in force for each Loan a hazard insurance policy
and floor insurance policy, where applicable, meeting the
requirements of Irwin.
8.   Where required by applicable state law; Broker will record
the mortgage assignment in the name of "Irwin Mortgage
Corporation" and the assignment of the Loan from Broker to Irwin
is valid and enforceable;
9.   The borrower has no right of recession, set-offs,
counterclaims or defenses to the note or mortgage securing the
note arising from the acts and/or omissions of Broker in the
origination of the Loan;
10.  Broker has no knowledge that any improvement located on or
being part of the mortgaged property is in violation of any
applicable zoning law or regulation;
11.  The mortgage property is (a) in good repair and free of
substantial damage from any cause, including but not limited to
floor, fire, accident, earthquake, hurricane, or other disaster
or calamity; and (b) the market for real estate in the
geographical area of the mortgaged property has not materially
and adversely declined since the date the property appraisal
report was issued; and
12.  Neither Broker, borrower or any person or entity engaged by
Broker, its offer, employee's or agents which is involved in the
Loan, including without limitation any appraiser or credit
reporting agency has (a) made any false representation or
provided information which is not true, complete and accurate as
is reasonably necessary for Irwin to make an underwriting
decision; or (b) received any direct or indirect benefit, fee,
commission or other consideration of value from however or any
other party in connection with the Loan except those fee properly
charged to borrower.

          BROKER"S REPURCHASE AND INDEMNITY OBLIGATIONS

9.    Broker's Repurchase Obligations.   Broker shall  repurchase
any  Loan sold to Irwin pursuant to this Agreement within  thirty
(30) business days of receipt of written notice from Irwin of any
of the following circumstances:

     A.   Broker fraud or misrepresentation in the origination of
          processing of the Loan;
B.   Broker fails to observe or perform or breaches in any
material respect any of the representations, warranties,
covenants or agreements contained in this Agreement or the Manual
with respect to a particular Loan; or
C.   Failure by Broker to deliver to Irwin within thirty (30)
days from the date each Loan was purchase by Irwin the original
information/documentation specified in Section 5 hereof.

The  option to request or accept repurchase of any Loan is at the
sole  discretion of Irwin, and shall survive termination of  this
Agreement.

10.  Repurchase Price.   Repurchases under Section 9 hereof shall
be priced as the sum of:
     A.   The unpaid principal balance of the Loan on the date of
          repurchase:
B.   All accrued and unpaid interest on the Loan as of the date
of repurchase;
C.   All unreimbursed advances and extraordinary costs and
expenses incurred by Irwin with regard to the Loan;
D.   Any yield spread premium, service release fee or other
amounts previously paid by Irwin to Broker for the Loan; and
E.   All losses, costs, damages and expenses incurred by Irwin in
connection with such repurchase.
Upon such repurchase of Loans by Broker, Irwin shall endorse  the
promissory  note and assign any security interest,  both  without
recourse, to Broker.

11.   Broker Indemnification of Irwin.   In addition to  Broker's
repurchase  obligations under Section 9, Broker  will  indemnify,
defined  and  hold  Irwin harmless from  and  against  any  loss,
damage, cost or expense, including but not limited to, reasonable
attorney's  fees  and expenses (a) arising  out  of  any  act  or
omission  of  Broker  or any employee or  agent  of  Broker;  (b)
arising out of Broker's failure to perform any of its obligations
hereunder;  or (c) arising out of or in connection with  falsity,
incorrectness,  incompleteness or breach in any material  respect
of any representation or warranty made by Broker herein.

                        OTHER PROVISIONS

12.  Loan Fraud.    The submission of a loan application to Irwin
containing false or misrepresented information is a federal crime
and Irwin cooperates with government agencies and law enforcement
officials  to  pursue  false information or fraudulent  activity.
The following are examples of activities which could lead to such
actions  being taken against Broker: (a) submission of inaccurate
information, including false statements on loan applications  and
falsification  of  documents purporting to  substantiate  credit,
employment,  deposit  balances, ownership of  real  property  and
other asset information, or false personal information concerning
the   borrower;   (b)  forgery  of  documents;   (c)   inaccurate
representations  of  current  occupancy  or  intent  to  maintain
required occupancy as agreed in the application and Loan  closing
documents,  (d) lack of due diligence or appropriate  concern  by
Broker  and  its  employees  in obtaining  and  ascertaining  the
authenticity  of  all  documents  submitted  to  Irwin;  and  (e)
acceptant  of  information or documentation  which  is  known  or
suspected  to  be inaccurate, including but not  limited  to  the
concurrent    processing   of   multiple   owner-occupied    Loan
applications from a single applicant, or permitting an  applicant
or  other interested party to assist in the processing of a  Loan
application.

13.    Price  Discrimination.     Irwin  is  committed   to   the
principles  of  fair  lending.  Broker  acknowledges  that  Irwin
cannot  control  or  police the prices that  Broker  charges  its
borrowers.   Broker  agrees that loan fees, discount  points  and
interest  rates  must  be  charged to all  borrowers  on  a  non-
discriminatory  basis  without  consideration  of  race,  gender,
national origin or age. Broker agrees to indemnify and hold Irwin
harmless  from and against any discriminatory practices  employed
by Broker or its employees and agents.

14.   No Solicitation.    Loans sold to Irwin cannot be solicited
by Broker for prepayment, refinance or any other related products
or services.  For purposes of this Agreement, "solicit" shall not
be  deemed  to  include  mass advertising via  telephone,  radio,
newspapers,  and similar forms of communication not  individually
directed  to specific Loan borrowers.  Broker shall use its  best
efforts  to  prevent  employees and the employees  of  affiliated
entities  from engaging directly or indirectly in any  prohibited
solicitations under this Agreement.

15.   Additional Assurance Inspection.   Broker agree, from  time
to  time,  upon Irwin's request, to provide Irwin with additional
evidence  that Broker's representations and warranties  contained
herein are true and correct.  This may include allowing Irwin  to
conduct  periodic on-site audits of Broker's business  activities
related to the Agreement, including but not limited to all books,
records, and files of Broker pertaining or relating to any  Loans
registered with Irwin.  In addition, Broker will submit to  Irwin
its  annual  financial  statement, certified  by  an  independent
public  accountant, within ninety (90) days following the end  of
each fiscal year.

16.   Loans  Originated by Third Party.    Irwin  shall  have  no
obligation  under this Agreement to accept any Loans from  Broker
which  were originated by any entity or person other than Broker,
and  Broker shall not register any Loans with Irwin that are  not
originated by employees of Broker.

17.   Continued Employment of Broker's Principals. In  the  event
that  the  Principal or Principals of Broker who  negotiate  this
Agreement  with Irwin discontinue their employment  with  Broker,
Broker shall deliver immediate notice of such event to Irwin.

18.   Notices.   Any  notice  or  demand  which  is  required  or
permitted to be given by any provision of the Agreement shall  be
deemed   to  have  been  sufficiently  given  if  either   served
personally  or  sent  by prepaid, registered or  certified  mail,
addressed to the party at its address set forth below:

Irwin      Mortgage Broke
Corporation         r:
9265    Counselor's
Row
Indianapolis,    IN
46420
Attention: Mr.  Les Attent
Acree               ion:

Either party may change its address by notice to the other.

19.   Termination.   This Agreement may be terminated  by  either
Irwin or Broker without cause upon written noticed address to the
other  party as provided in Section 18 above.  In event  of  such
termination, Irwin aggress to close after termination those Loans
registered  by  the  Broker  prior to the  date  of  termination.
However,  in  the  event  that Irwin, in its  sole  judgment  and
discretion,  reasonably determine that there has  been  fraud  or
misrepresentation concerning Loans registered by Broker,  or  any
other material breach by Broker of this Agreement, Irwin reserves
the  right to cancel this Agreement immediately and without prior
notice, and to refuse to close any Loans registered by the Broker
prior  to such termination.  All other rights and obligations  of
the parties hereto which arose prior to termination shall survive
termination.

20.  Irwin Manual.  All provisions of the Irwin Wholesale Lending
Manual  are  incorporated by reference into  this  Agreement  and
shall be binding upon both parties.  However, by its agents,  the
Manual may be amended or supplemented by Irwin from time to time,
as   is  reasonably  necessary  to  improve  the  operation   and
efficiency   thereof.   Written  notice  of  such  amendment   or
supplement will be given by Irwin to Broker before such amendment
or supplement takes effect.

21.   Relationship of the Parties.  By virtue of this  Agreement,
it  is agreed that Irwin and Broker shall not be considered to be
parties or joint ventures, and that Broker is not to act  as  the
agent  of Irwin in origination, processing or performance of  any
other  obligation, and shall act in all matters hereunder  as  an
independent contractor.

22.   Miscellaneous. No assignment, transfer or other  alienation
of  this Agreement by Broker shall be effective without the prior
written consent of Irwin.  This Agreement is established for  the
sale  benefit of Irwin and Broker, and no party other than  Irwin
and  Broker shall be entitled to the benefit thereof.  No  waiver
by  Irwin of any term or condition hereof shall impair any  right
of  Irwin or be construed as a waiver of any term or condition in
the  future.   There are no promises or inducements by  Irwin  to
Broker not contained herein, and this Agreement cannot be amended
or  modified  orally, and no provision of this Agreement  may  be
waived or amended except in writing executed by Irwin and Broker.
Such  a written waiver or amendment must expressly reference this
Agreement.  All of the covenants, agreements, representations and
warranties  made herein by the parties hereto shall  suffice  and
continue in effect after the termination of the Agreement or  the
consummation  of  the  transactions  contemplated  hereby.   This
Agreement  supersedes any and all prior written or oral agreement
between  Broker  and  Irwin  as to the  subject  matter  of  this
Agreement.   This Agreement may be executed in counterparts,  all
of  which  taken  together  shall constitute  one  and  the  same
instrument.   This Agreement has been entered into and  shall  be
governed  and construed in accordance with the laws of the  State
of Indiana.

IN  WITNESS  WHEREOF, the undersigned parties have executed  this
Agreement as of the date herein above written:

IRWIN MORTGAGE CORPORATION       BROKER/   /s/OneCap
By:/s/ John Nagotski             By:/s/ Scott Lawrence
Printed Name: John Nagotski      Printed Name: Scott Lawrence
Its:Vice-President               Its: Vice President

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