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                                                                   EXHIBIT 10.92

                              AMENDMENT NUMBER NINE
                                     TO THE
                       COUNTRYWIDE FINANCIAL CORPORATION
                             1993 STOCK OPTION PLAN
                 (AS AMENDED AND RESTATED AS OF MARCH 27, 1996)

         WHEREAS, the Board of Directors of Countrywide Financial Corporation
(the "Company") declared a stock dividend effective as of April 12, 2004 which
represents a 3-for-2 split of the Company's common stock; and

         WHEREAS, pursuant to Section 8(a) of the Countrywide Financial
Corporation 1993 Stock Option Plan (as Amended and Restated March 27, 1996) (the
"1993 Plan"), the Compensation Committee of the Board of Directors ("the
Committee") or the Board of Directors shall appropriately and equitably adjust
the number of shares of common stock or other securities which are subject to
the 1993 Plan or subject to any Option theretofore granted.

         NOW THEREFORE, the Plan is amended to read as follows effective
December 17, 2003.

         1.       Section 4 (a) is hereby deleted in its entirety and new
                  Section 4 (a) is hereby inserted in its place as follows:

                       "(a) The maximum number of Shares that may be made the
                       subject of Options granted under the Plan is 32,000,000;
                       provided, however, that the maximum number of Shares that
                       may be the subject of Options granted to any Eligible
                       Employee from and after March 27, 1996 and during the
                       term of the Plan may not exceed six million (6,000,000).
                       Upon a Change in Capitalization the maximum number of
                       Shares shall be adjusted in number and kind pursuant to
                       Section 8. The Company shall reserve for the purposes of
                       the Plan, out of its authorized but unissued Shares or
                       out of Shares held in the Company's treasury, or partly
                       out of each, such number of Shares as shall be determined
                       by the Board."

         2.       Section 5 (b) is hereby deleted and new Section 5 (b) is
                  inserted in its place as follows:

                           (b)  "Number of Shares. Each Director Option granted
                                shall be in respect of a number of Shares equal
                                to the lesser of (1) 15,000 multiplied by a
                                fraction, the numerator of which is the earnings
                                per Share on a fully diluted basis of the
                                Company for the fiscal year of the Company ended
                                immediately before the date of grant of the
                                Director Option (as reported in the audited
                                Financial Statements included in the Company's
                                Annual Report on Form 10-K filed with the

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                                Securities and Exchange Commission ("SEC"), but
                                in no event less than zero) (the "EPS Numerator
                                Amount") and the denominator of which is $.34 or
                                (2) 15,000 multiplied by a fraction, the
                                numerator of which is the EPS Numerator Amount
                                and the denominator of which is the earnings per
                                share on a fully diluted basis of the Company
                                for the fiscal year immediately preceding the
                                fiscal year in respect of which the EPS
                                Numerator Amount is determined as reported in
                                the Company's Annual Report on Form 10-K filed
                                with the SEC. The number 15,000 and the $.34
                                amount referred to in the previous sentence
                                shall be equitably adjusted in the event of a
                                Change in Capitalization."

         IN WITNESS WHEREOF, the Company has caused this Amendment Number Nine
         to be executed by its duly authorized officer this 14th day of April,
         2004.

                                     Countrywide Financial Corporation

                                     By: /s/ Thomas Boone
                                         ---------------------------------------
                                             Thomas Boone
                                             Senior Managing Director, Chief
                                             Administrative Officer

Attest:

/s/ Gerard A. Healy
---------------------------------
Gerard A. Healy
Senior Vice President and
Assistant Legal Counsel<PAGE>

                                                                   EXHIBIT 10.93

                                 FIRST AMENDMENT
                                       TO
                           2000 EQUITY INCENTIVE PLAN
                                       OF
                        COUNTRYWIDE FINANCIAL CORPORATION
                    (AMENDED AND RESTATED NOVEMBER 12, 2003)

         WHEREAS, the Board of Directors of Countrywide Financial Corporation
(the "Company") declared a stock dividend effective as of December 17, 2003
which represents a 4-for-3 split of the Company's common stock;

         WHEREAS, pursuant to Section 8.2 of the 2000 Equity Incentive Plan of
Countrywide Financial Corporation (as Amended and Restated November 12, 2003)
(the "2000 Stock Plan"), the Compensation Committee of the Board of Directors
("the Committee") shall appropriately and equitably adjust the number of shares
of common stock or other securities which are subject to the 2000 Stock Plan or
subject to any Awards theretofore granted, including the exercise or settlement
price of Options, so as to maintain the proportionate number of shares or other
securities which are subject to the 2000 Stock Plan without changing the
aggregate exercise or settlement price; and

         WHEREAS, The Committee wishes to amend Section 8.2 to enable the Board
to make such adjustments by resolution or, alternatively, for such adjustments
to be automatic.

         NOW THEREFORE, the 2000 Stock Plan is amended to read as follows
effective December 17, 2003.

         1.       Section 3.1, Aggregate Limits, is hereby deleted and new
                  Section 3.1, is inserted in its place as follows:

                  "AGGREGATE LIMITS. The aggregate number of shares of the
                  Company's common stock, par value $.05 per share ("Shares"),
                  that may be made the subject of Awards granted under this Plan
                  is 22,333,333, of which a maximum of 1,333,333 Shares may be
                  issued in the form of Restricted Stock (as defined below). The
                  maximum number of shares subject to the Plan shall be adjusted
                  as provided in Section 8 of the Plan upon a change in the
                  capital structure of the Company. The maximum number of Shares
                  that may be made the subject of Awards to Nonemployee
                  Directors under this Plan in any one calendar year is 83,333
                  with respect to Options and 40,000 shares with respect to
                  Restricted Stock. The Company shall reserve for the purpose of
                  this Plan, out of its authorized but unissued Shares or out of
                  Shares held in the Company's treasury, or partly out of each,
                  such number of Shares as shall be determined by the Board."

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         2.       Section 3.2, Tax Code Limits, is hereby deleted and new
                  Section 3.2 is inserted in its place as follows:

                  "TAX-CODE LIMITS. The aggregate number of Shares subject to
                  Options granted under this Plan during any calendar year to
                  any one Eligible Person, shall not exceed 4,000,000.
                  Notwithstanding anything to the contrary in this Plan, the
                  foregoing limitations shall be subject to adjustment under
                  Section 8 only to the extent that such adjustment will not
                  affect the status of any Option intended to qualify as
                  "performance based compensation" under Code Section 162(m).
                  The foregoing limitations shall not apply to the extent that
                  they are no longer required in order for compensation in
                  connection with grants under this Plan to be treated as
                  "performance-based compensation" under Code Section 162(m)."

         3.       Section 8.2, Adjustments Upon Certain Events, is hereby
                  deleted, and new Section 8.2 is inserted in its place as
                  follows:

                  "ADJUSTMENTS UPON CERTAIN EVENTS. If the outstanding shares of
                  common stock or other securities of the Company, or both, for
                  which the restrictions upon Restricted Stock have lapsed or
                  for which an Option is then exercisable or as to which an
                  Option is to be settled shall at any time be changed or
                  exchanged by declaration of a stock dividend, stock split or
                  reverse stock split, combination of shares, recapitalization,
                  or reorganization, the Committee or the Board shall
                  appropriately and equitably adjust the number and kind of
                  shares of common stock or other securities which are subject
                  to the Plan or subject to any Awards theretofore granted,
                  including the exercise or settlement prices of Options, so as
                  to maintain the proportionate number of shares or other
                  securities without changing the aggregate exercise or
                  settlement price; provided, however, that such adjustment
                  shall be made only to the extent that such adjustment will not
                  affect the status of an Option intended to qualify as an ISO
                  or as "performance based compensation" under Code Section
                  162(m). In the event the Committee or Board do not otherwise
                  act pursuant to its prescribed authority, that in the event of
                  a stock split, the number of shares available under the Plan
                  or subject to any individual limits or award type limitations
                  shall be automatically adjusted to reflect the ratio of the
                  stock split. Additionally any outstanding Awards shall be
                  adjusted by proportionately increasing the number of shares
                  covered by, and for stock options, proportionately decreasing
                  the exercise price set forth in, the applicable options. If
                  the Company recapitalizes or otherwise changes its capital
                  structure, or merges, consolidates, sells all of its assets or
                  dissolves (each of the foregoing a "Fundamental Change"), then
                  thereafter upon the lapse of any restrictions upon Restricted
                  Stock or any exercise of Options theretofore granted, the
                  Participant shall be entitled, in the case of Restricted
                  Stock, to the number of shares or, in the case of Options, to
                  purchase under such Options, in lieu of the number of shares
                  of common stock as to which such Options shall then be
                  exercisable, the number and

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                  class of shares of stock, securities, cash, property or other
                  consideration to which the Participant would have been
                  entitled pursuant to the terms of the Fundamental Change if,
                  immediately prior to such Fundamental Change, the Participant
                  had been the holder of record of the number of shares of
                  Restricted Stock or, as applicable, common stock as to which
                  Options is then exercisable."

         IN WITNESS WHEREOF, the Company has caused this First Amendment to be
executed by its duly authorized officer this 14th day of April, 2004.

                                      Countrywide Financial Corporation

                                      By: /s/ Thomas H. Boone
                                          --------------------------------------
                                              Thomas H. Boone
                                              Senior Managing Director,
                                              Chief Administrative Officer

/s/ Gerard A. Healy
---------------------------
Gerard A. Healy
Assistant Secretary

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