Document:

Q1 2002 Exhibit 10.6

                                                                       Exhibit 10.6

ELECTRONIC TRACKING AGREEMENT

WHOLE LOAN SALE AGREEMENT

THIS ELECTRONIC TRACKING AGREEMENT dated as of March 21, 2002 (this
"Agreement") among Greenwich Capital Financial Products, Inc.
("Purchaser"), MERSCORP, Inc. ("Electronic Agent"), Mortgage
Electronic Registration Systems, Inc. ("MERS") and E-LOAN, Inc.
("Seller").

WHEREAS, the Purchaser has agreed to purchase from the Seller, from time to
time at its election, Mortgage Loans (the "Mortgage Loans") pursuant to
the terms and conditions of a Mortgage Loan Purchase and Sale Agreement dated as
of September 25, 1998 between the Purchaser and the Seller, as amended,
supplemented or otherwise modified from time to time (the "Purchase
Agreement") and a Custodial Agreement dated as of June 29, 2000 among
Bankers Trust Company of California, N.A. (the "Custodian"), the
Purchaser, and the Seller, as amended, supplemented or otherwise modified from
time to time (the "Custodial Agreement"); and

WHEREAS, the Seller is obligated to service the Mortgage Loans pursuant to
the terms and conditions of the Purchase Agreement; and

WHEREAS, the Purchaser and the Seller desire to have certain Mortgage Loans
registered on the MERS® System (defined below) such that the mortgagee of
record under each Mortgage (defined below) shall be identified as MERS;

NOW, THEREFORE, the parties, intending to be legally bound, agree as
follows:

	Definitions.

Capitalized terms used in this Agreement shall have the meanings ascribed to
them below.

"Affected Loans" shall have the meaning assigned to such term in
Section 4(b).

"Assignment of Mortgage" shall mean, with respect to any Mortgage, an
assignment of the Mortgage, notice of transfer or equivalent instrument in
recordable form, sufficient under the laws of the jurisdiction wherein the
related mortgaged property is located to effect the assignment of the Mortgage
upon recordation.

"Associated Member" shall mean a Person that has the status and rights
of an Associated Member of MERS with respect to specified mortgage loans in
accordance with the MERS Procedure Manual and related documents.

"MERS Designated Mortgage Loan" shall have the meaning assigned to
such term in Section 3.

"MERS Procedures Manual" shall mean the MERS Procedures Manual
attached as Exhibit B hereto, as it may be amended from time to time.

"MERS® System" shall mean the Electronic Agent's mortgage
electronic registry system, as more particularly described in the MERS
Procedures Manual.

"Mortgage" shall mean a mortgage or deed of trust securing a Mortgage
Note.

"Mortgage Loan" shall mean each mortgage loan included in a Mortgage
Pool, in each case secured by a Mortgage.

"Mortgage Loan Documents" shall mean the originals of the Mortgage
Notes and other documents and instruments required to be delivered to the
Custodian in connection with each transaction, all pursuant to the Custodial
Agreement.

"Mortgage Note" shall mean a promissory note or other evidence of
indebtedness of the obligor thereunder, representing a Mortgage Loan, and
secured by the related Mortgage.

"Mortgage Pool" shall mean a designated pool of Mortgage Loans, a 100%
ownership interest in which is purchased and sold under the Purchase
Agreement.

"Mortgagor" shall mean the obligor on a Mortgage Note.

"Notice of Termination Event" shall mean a notice from the Purchaser
as described in Section 4(b) hereof.

"Opinion of Counsel" shall mean a written opinion of counsel in form
and substance reasonably acceptable to the Purchaser.

"Person" shall mean any individual, corporation, company, voluntary
association, partnership, joint venture, limited liability company, trust,
unincorporated association or government (or any agency, instrumentality or
political subdivision thereof).

	Appointment of the Electronic Agent.

	The Purchaser and the Seller, by execution and delivery of this Agreement,
each does hereby appoint MERSCORP, Inc. as agent to the Purchaser and the Seller
hereunder (in such capacity, the "Electronic Agent"), subject to the
terms of this Agreement, to perform the obligations of the Electronic Agent set
forth herein.
	MERSCORP, Inc., by execution and delivery of this Agreement, does hereby
(i) agree with the Purchaser and the Seller subject to the terms of this
Agreement to perform the obligations of the Electronic Agent set forth herein,
and (ii) accept its appointment as the Electronic Agent.

	Designation of MERS as Mortgagee of Record, Designation of Investor
and Servicer of Record in MERS.

The Seller has designated or shall designate MERS as, and has taken or will
take such action as is necessary to cause MERS to be, the mortgagee of record
with respect to each Mortgage Loan in a Mortgage Pool, and in accordance with
the MERS Procedures Manual, the Seller has designated or shall designate the
Seller as the servicer or subservicer in the MERS® System for each such
Mortgage Loan (each such Mortgage Loan, upon such designation by MERS, a
"MERS Designated Mortgage Loan").

	Obligations of the Electronic Agent.

	The Electronic Agent shall ensure that MERS, as the mortgagee of record
under each MERS Designated Mortgage Loan, shall promptly forward all properly
identified notices MERS receives in such capacity to the person or persons
identified in the MERS® System as the servicer or if a subservicer is
identified in the MERS® System, the subservicer for such MERS Designated
Mortgage Loan.
	Upon receipt of a Notice of Termination Event, which may be given at any
time, in the form of Exhibit C, from the Purchaser, the Electronic
Agent shall modify the investor fields and/or servicer fields to reflect the
investor and/or servicer on the MERS® System as the Purchaser or the
Purchaser's designee with respect to the MERS Designated Mortgage Loans
identified in the Notice of Termination Event (the "Affected Loans").
Following receipt of such Notice of Termination Event, the Electronic Agent
shall follow the instructions of the Purchaser with respect to the Affected
Loans without the consent of the Seller or any investor, servicer or
subservicer, and shall deliver to the Purchaser any documents and/or information
(to the extent such documents or information are in the possession or control of
the Electronic Agent) with respect to the Affected Loans requested by the
Purchaser.
	Upon the Purchaser's request and instructions, and at the Seller's sole cost
and expense, the Electronic Agent shall deliver to the Purchaser or the
Purchaser's designee, with respect to each Affected Loan as to which a request
is made, an Assignment of Mortgage from MERS, in blank, in recordable form but
unrecorded; provided, however, that the Electronic Agent shall not
be required to comply with the forgoing unless the costs and expenses of doing
so shall be paid by the Seller or a third party.
	The Electronic Agent shall promptly notify the Purchaser if it has actual
knowledge that any mortgage, pledge, lien, security interest or other charge or
encumbrance exists with respect to any of the Affected Loans. Upon the
reasonable request of the Purchaser, the Electronic Agent shall review the field
designated "interim fonder" and shall promptly notify the Purchaser if any
Person (other than the Purchaser) is identified in the field designated "interim
funder" with respect to any MERS Designated Mortgage Loan.
	In the event that (i) the Seller, the Electronic Agent or MERS shall be
served by a third party with any type of levy, attachment, writ or court order
with respect to any MERS Designated Mortgage Loan or (ii) a third party
shall institute any court proceeding by which any MERS Designated Mortgage Loan
shall be required to be delivered otherwise than in accordance with the
provisions of this Agreement, the Electronic Agent shall promptly deliver or
cause to be delivered to the other parties to this Agreement copies of all court
papers, orders, documents and other materials concerning such proceedings.
	Upon the request of the Purchaser, the Electronic Agent shall run a query
with respect to any and all specified fields with respect to any or all of the
MERS Designated Mortgage Loans and, if requested by the Purchaser, shall change
the information in such fields in accordance with the Purchaser's
instructions.
	MERS, as mortgagee of record for the MERS Designated Mortgage Loans, shall
take all such actions as may be required by a mortgagee in connection with
servicing the MERS Designated Mortgage Loans at the request of the applicable
servicer identified on the MERS® System, including, but not limited to,
executing and/or recording, any modification, waiver, subordination agreement,
instrument of satisfaction or cancellation, partial or full release, discharge
or any other comparable instruments, at the sole cost and expense of the Seller
and only if such costs and expenses are paid by the Seller or a third party;
provided that MERS shall not execute any such instrument without the prior
written consent of the Purchaser.
	MERS shall cause certain officers of the Purchaser to be appointed officers
of MERS with respect to the MERS Designated Mortgage Loans, with the power to
wield all of the powers specified in the form of corporate resolution used to
appoint such officer attached hereto as Exhibit D.
	The Electronic Agent shall notify the Purchaser in writing of any changes to
the MERS Procedure Manual.

	Access to Information.

	Upon the Purchaser's request, the Electronic Agent shall furnish the
Purchaser or its auditors information in its possession with respect to the MERS
Designated Mortgage Loans and shall permit them to inspect the Electronic
Agent's and MERS' records relating to the MERS Designated Mortgage Loans at all
reasonable times during regular business hours.
	The Electronic Agent shall electronically provide to the Purchaser, in its
capacity as an Associated Member with respect to the MERS Designated Mortgage
Loans, the reports with respect to such MERS Designated Mortgage Loans available
to Associated Members from time to time, and "view only" access to additional
information with respect to such MERS Designated Mortgage Loans.

	Representations of the Electronic Agent and MERS.

The Electronic Agent and MERS hereby represent and warrant as of the date
hereof that:

	each of the Electronic Agent and MERS has the corporate power and authority
and the legal right to execute and deliver, and to perform its obligations under
this Agreement, and has taken all necessary corporate action to authorize its
execution, delivery and performance of this Agreement;
	no consent or authorization of, filing with, or other act by or in respect
of, any arbitrator or governmental authority and no consent of any other Person
is required in connection with the execution, delivery, performance, validity or
enforceability of this Agreement;
	this Agreement has been duly executed and delivered on behalf of the
Electronic Agent and MERS and constitutes a legal, valid and binding obligation
of the Electronic Agent and MERS enforceable in accordance with its terms,
except as enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium or similar laws affecting the enforcement of
creditors' rights generally and by general principles of equity (whether
enforcement is sought in proceedings in equity or at law).
	the Electronic Agent and MERS will maintain at all times insurance policies
for fidelity and errors and omissions in amounts of at least three million
dollars ($3,000,000) and five million dollars ($5,000,000) respectively, and a
certificate and policy of the insurer shall be furnished to the Purchaser upon
request and shall contain a statement of the insurer that such insurance will
not be terminated prior to 30 days' written notice to the Purchaser.

	Covenants of MERS.

	MERS shall (a) not incur any indebtedness other than in the ordinary
course of its business, (b) not engage in any dissolution, liquidation,
consolidation, merger or sale of assets, (c) not engage in any business
activity in which it is not currently engaged, (d) not take any action that
might cause MERS to become insolvent, (e) not form, or cause to be formed,
any subsidiaries, (f) maintain books and records separate from any other
person or entity, (g) maintain its bank accounts separate from any other
person or entity, (h) not commingle its assets with those of any other
person or entity and hold all of its assets in its own name, (i) conduct
its own business in its own name, (j) pay its own liabilities and expenses
only out of its own funds, (k) observe all corporate formalities,
(l) enter into transactions with affiliates only if each such transaction
is intrinsically fair, commercially reasonable, and on the same terms as would
be available in an arm's length transaction with a person or entity that is not
an affiliate, (m) pay the salaries of its own employees from its own funds,
(n) maintain a sufficient number of employees in light of its contemplated
business operations, (o) not guarantee or become obligated for the debts of
any other entity or person, (p) not hold out its credit as being available
to satisfy the obligation of any other person or entity, (q) not acquire
the obligations or securities of its affiliates or owners, including partners,
members or shareholders, as appropriate, (r) not make loans to any other
person or entity or buy or hold evidence of indebtedness issued by any other
person or entity (except for cash and investment-grade securities),
(s) allocate fairly and reasonably any overhead expenses that are shared
with an affiliate, including paying for office space and services performed by
any employee of any affiliate, (t) use separate stationery, invoices, and
checks bearing its own name, (u) not pledge its assets for the benefit of
any other person or entity, (v) hold itself out as a separate identity,
(w) correct any known misunderstanding regarding its separate identity,
(x) not identify itself as a division of any other person or entity, and
(y) maintain adequate capital in light of its contemplated business
operations.
	MERS agrees that in no event shall the status of MERS as mortgagee of record
with respect to any MERS Designated Mortgage Loan confer upon MERS any rights or
obligations as an owner of or secured party with respect to any MERS Designated
Mortgage Loan or the servicing rights related thereto, and MERS will not
exercise such rights unless directed to do so by the Purchaser.
	The Electronic Agent and MERS agree to provide written notice to Purchaser
of any litigation, threatened litigation or potential dispute in which the
validity or legality of this Agreement or any term hereof is questioned or
challenged.

	Covenants of Seller.

	The Seller covenants that the Seller is a member of MERS in good
standing.
	The Seller covenants and agrees with the Purchaser that with respect to each
MERS Designated Mortgage Loan, it will not identify any party except Purchaser
in the field "interim funder" or "warehouse/gestation lender" on the MERS®
System without the prior written consent of the Purchaser.
	Seller will provide the Purchaser with MERS Identification Numbers for each
MERS Designated Mortgage Loan sold to the Purchaser for which MERS is the
mortgagee of record.

	No Adverse Interest of the Electronic Agent or MERS.

By execution of this Agreement, the Electronic Agent and MERS each represents
and warrants that it currently holds, and during the existence of this Agreement
shall hold, no adverse interest, by way of security or otherwise, in any MERS
Designated Mortgage Loan. The MERS Designated Mortgage Loans shall not be
subject to any security interest, lien or right to set-off by the Electronic
Agent, MERS, or any third party claiming through the Electronic Agent or MERS,
and neither the Electronic Agent nor MERS shall pledge, encumber, hypothecate,
transfer, dispose of, or otherwise grant any third party interest in, the MERS
Designated Mortgage Loans.

	Indemnification of the Purchaser.

The Electronic Agent agrees to indemnify and hold the Purchaser and its
designees harmless against any and all liabilities, obligations, losses,
damages, penalties, actions, judgments, suits, costs, expenses or disbursements,
including reasonable attorneys' fees, that the Purchaser may sustain arising out
of any breach by the Electronic Agent of this Agreement, the Electronic Agent's
negligence, bad faith or willful misconduct, its failure to comply with the
Purchaser's instructions hereunder or to the extent caused by delays or failures
arising out of the inability of the Purchaser or the Electronic Agent to access
information on the MERS® System. The foregoing indemnification shall survive
any termination or assignment of this Agreement.

	Reliance of the Electronic Agent.

	In the absence of bad faith on the part of the Electronic Agent, the
Electronic Agent may conclusively rely, as to the truth of the statements and
the correctness of the opinions expressed therein, upon any request,
instruction, certificate or other document furnished to the Electronic Agent,
reasonably believed by the Electronic Agent to be genuine and to have been
signed or presented by the proper party or parties listed on Exhibit A and
conforming to the requirements of this Agreement.
	Notwithstanding any contrary information which may be delivered to the
Electronic Agent by the Seller, the Electronic Agent may conclusively rely on
any information or Notice of Servicing Termination Event delivered by the
Purchaser, and the Seller shall indemnify and hold the Electronic Agent harmless
for any and all claims asserted against it for any actions taken in good faith
by the Electronic Agent in connection with the delivery of such information or
Notice of Servicing Termination Event.

	Fees.

It is understood that the Electronic Agent or its successor will charge such
fees and expenses for its services hereunder as set forth in a separate
agreement between the Electronic Agent and the Seller. The Electronic Agent
shall give prompt written notice to the Purchaser of any disciplinary action
instituted with respect to the Seller's failure to pay any fees required in
connection with its use of the MERS® System, and will give written notice at
least thirty (30) days prior to any revocation of the Seller's membership in the
MERS® System.

	Resignation of the Electronic Agent; Termination.

(c) The Purchaser has entered into this Agreement with the Electronic
Agent and MERS in reliance upon the independent status of the Electronic Agent
and MERS, and the representations as to the adequacy of their facilities,
personnel, records and procedures, its integrity, reputation and financial
standing, and the continuance thereof. Neither the Electronic Agent nor MERS
shall assign this Agreement or the responsibilities hereunder or delegate their
rights or duties hereunder (except as expressly disclosed in writing to, and
approved by, the Purchaser) or any portion hereof or sell or otherwise dispose
of all or substantially all of its property or assets without (a) providing
the Purchaser with at least 60 days' prior written notice thereof and
(b) receiving the written consent of the Purchaser.

(d) Neither the Electronic Agent nor MERS shall resign from the
obligations and duties hereby imposed on them except by mutual consent of the
Electronic Agent, MERS and the Purchaser, or upon the determination that the
duties of the Electronic Agent and MERS hereunder are no longer permissible
under applicable law and such incapacity cannot be cured by the Electronic Agent
and MERS. Any such determination permitting the resignation of the Electronic
Agent and MERS shall be evidenced by an Opinion of Counsel to such effect
delivered to the Purchaser which Opinion of Counsel shall be in form and
substance acceptable to the Purchaser. No such resignation shall become
effective until the Electronic Agent and MERS have delivered to the Purchaser
all of the Assignments of Mortgage, in blank, in recordable form but unrecorded
for each MERS Designated Mortgage Loan identified by the Purchaser as owned by
the Purchaser.

	Removal of the Electronic Agent.

(e) The Purchaser, with or without cause, may remove and discharge the
Electronic Agent and MERS from the performance of its duties under this
Agreement with respect to some or all of the MERS Designated Mortgage Loans by
written notice from the Purchaser to the Electronic Agent and the Seller.

(f) In the event of termination of this Agreement, at the Seller's sole
cost and expense, the Electronic Agent shall follow the instructions of the
Purchaser for the disposition of the documents in its possession pursuant to
this Agreement, and deliver to the Purchaser an Assignment of Mortgage, in
blank, in recordable form but unrecorded for each MERS Designated Mortgage Loan
identified by the Purchaser as owned by the Purchaser. Notwithstanding the
foregoing, in the event that the Purchaser terminates this Agreement with
respect to some, but not all, of the MERS Designated Mortgage Loans, this
Agreement shall remain in full force and effect with respect to any MERS
Designated Mortgage Loans for which this Agreement is not terminated hereunder.
Notwithstanding any termination of this Agreement, the provisions of
Sections 10 shall survive any termination.

	Notices.

All written communications hereunder shall be delivered, via facsimile or by
overnight courier, to the Electronic Agent and/or the Purchaser and/or the
Seller as indicated on the signature page hereto, or at such other address as
designated by such party in a written notice to the other parties. All such
communications shall be deemed to have been duly given when transmitted by
facsimile, or in the case of a mailed notice, upon receipt, in each case given
or addressed as aforesaid.

	Term of Agreement.

	This Agreement shall continue to be in effect until terminated by either the
Seller or the Electronic Agent sending written notice to the other parties of
this Agreement at least sixty (60) days prior to said termination. This
Agreement may be terminated by the Purchaser by sending at least thirty (30)
days prior written notice to the other parties to this Agreement.
	Upon the termination of this Agreement by the Electronic Agent, the
Electronic Agent shall, at the Electronic Agent's sole cost and expense, execute
and deliver to the Purchaser or its designee an Assignment of Mortgage with
respect to each MERS Designated Mortgage Loan identified by the Purchaser, in
blank, in recordable form but unrecorded. In the event that this Agreement is
terminated by the Purchaser without cause, the duties of the Electronic Agent in
the preceding sentence shall be at the sole cost and expense of the Purchaser.
In addition, the Purchaser and the Electronic Agent may, at the sole option of
the Purchaser, enter into a separate agreement which shall be mutually
acceptable to the parties with respect to any or all of the MERS Designated
Mortgage Loans with respect to which this Agreement is terminated.

	Authorizations.

Any of the persons whose signatures and titles appear on Exhibit A hereto are
authorized, acting singly, to act for the Purchaser, the Seller or the
Electronic Agent, as the case may be, under this Agreement. The parties may
change the information on Exhibit A hereto from time to time but each of the
parties shall be entitled to rely conclusively on the then current exhibit until
receipt of a superseding exhibit.

	Amendments.

This Agreement may be amended or otherwise modified from time to time only by
written agreement of the Purchaser, the Seller, the Electronic Agent, and
MERS.

	Severabilitv.

If any provision of this Agreement is declared invalid by any court of
competent jurisdiction, such invalidity shall not affect any other provision,
and this Agreement shall be enforced to the fullest extent required by law.

	Binding Effect.

This Agreement shall be binding and inure to the benefit of the parties
hereto and their respective successors and assigns.

	GOVERNING LAW; JURISDICTION.

THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH, AND GOVERNED BY THE
LAW OF THE STATE OF NEW YORK.

THE PURCHASER, THE SELLER, THE ELECTRONIC AGENT AND MERS EACH IRREVOCABLY
AGREES THAT ANY ACTION OR PROCEEDING ARISING OUT OF OR IN ANY MANNER RELATING TO
THIS AGREEMENT MAY BE BROUGHT IN ANY COURT OF THE STATE OF NEW YORK, OR IN THE
U.S. DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK, AND BY THE EXECUTION
AND DELIVERY OF THIS AGREEMENT EXPRESSLY AND IRREVOCABLY ASSENT AND SUBMIT TO
THE NONEXCLUSIVE JURISDICTION OF ANY SUCH COURTS IN ANY SUCH ACTION OR
PROCEEDING.

	Waiver of Jury Trial.

THE PURCHASER, THE SELLER, THE ELECTRONIC AGENT AND MERS EACH IRREVOCABLY
AGREES TO WAIVE ITS RIGHT TO A JURY TRIAL IN ANY ACTION OR PROCEEDING AGAINST IT
ARISING OUT OF, OR RELATED IN ANY MANNER TO, THIS AGREEMENT OR ANY RELATED
AGREEMENT.

	Execution.

This Agreement may be executed in one or more counterparts and by the
different parties hereto on separate counterparts, each of which, when so
executed, shall be deemed to be an original; such counterparts, together, shall
constitute one and the same agreement.

	Cumulative Rights.

The rights, powers and remedies of the Electronic Agent, MERS, the Seller and
the Purchaser under this Agreement shall be in addition to all rights, powers
and remedies given to the Electronic Agent, MERS, the Seller and the Purchaser
by virtue of any statute or rule of law, or any other agreement, all of which
rights, powers and remedies shall be cumulative and may be exercised
successively or concurrently without impairing the Purchaser's rights in the
Mortgage Loans.

	Status of Electronic Agent.

Nothing herein contained shall be deemed or construed to create a
partnership, joint venture between the parties hereto and the services of the
Electronic Agent and MERS shall be rendered as independent contractors for the
Purchaser and the Seller. Other than the obligations of the Electronic Agent and
MERS expressly set forth herein, the Electronic Agent and MERS shall have no
power or authority to act as agent for the Purchaser or the Seller pursuant to
any grant of authority made under or pursuant to this Agreement.

	Most Favored Status.

The Electronic Agent and MERS each agree that should any other Person enter
into an agreement similar to this Agreement which by its terms is more favorable
to such other Person, the terms of this Agreement shall be deemed automatically
amended to include each additional more favorable provision contained in such
agreement. The Electronic Agent, MERS and the Seller further agree to
(a) promptly provide to Purchaser notice of any such terms and
(b) execute and deliver an amendment to this Agreement evidencing such
provisions, provided that neither the failure to deliver such notice nor the
execution of such amendment shall not be a precondition to the effectiveness of
such amendment, but shall merely be for the convenience of the parties
hereto.

[SIGNATURE PAGE FOLLOWS]

IN WITNESS WHEREOF, the Purchaser, the Seller, the Electronic Agent and MERS
have duly executed this Agreement as of the date first above written.
E-LOAN, INC.,

as Seller
By: ______________________

Name: _______________

Title: ________________

Address for Notices:

5875 Arnold Road

Dublin, CA 94568

Attention: Steve Majerus, SVP, Capital Markets

Telecopier No.: 925-556-2668

Telephone No.: 925-241-2407

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,

as Purchaser
By: ______________________

Name: _______________

Title: ________________

Address for Notices: 

600 Steamboat Road

Greenwich, CT 06830

Attn: Asset-Backed Operations

Telecopier No.: 203- _____________

Telephone No.: 203- _____________

With a copy to:

600 Steamboat Road

Greenwich, CT 06830

Attn: Legal Department

Telecopier No.: 203-618-2132

Telephone No.: 203-625-6072

MERSCORP, INC., as Electronic Agent
By: ______________________

Name: Dan McLaughlin

Title: Executive Vice President

Address for Notices:

1595 Spring Hill Road, Suite 310

Vienna Va, 22182

Attention: Secretary

Telecopier No.: (703) 748-0183

Telephone No.: (703) 761-1270

MORTGAGE ELECTRONIC

REGISTRATION SYSTEMS, INC.,
By: ______________________

Name: William C. Hultman

Title: Secretary/Treasurer

Address for Notices:

1595 Spring Hill Road, Suite 310

Vienna, VA 22182

Attention: Secretary

Telecopier No.: (703) 748-0183

Telephone No.: (703) 761-1270

EXHIBIT A

LIST OF AUTHORIZED PERSONS

PURCHASER AUTHORIZATIONS:

Any of the persons whose signatures and titles appear below, or attached
hereto, are authorized, acting singly, to act for the Purchaser under this
Agreement:

	
By: ____________________
	
By: ____________________
	
By: ____________________

	
Name: _________________
	
Name: _________________
	
Name: _________________

	
Title: __________________
	
Title: __________________
	
Title: __________________

 

ELECTRONIC AGENT AUTHORIZATIONS:

Any of the persons whose signatures and titles appear below, or attached
hereto, are authorized, acting singly, to act for the Electronic Agent under
this Agreement:

	
By: ____________________
	
By: ____________________
	
By: ____________________

	
Name: _________________
	
Name: William Hultman
	
Name: _________________

	
Title: __________________
	
Title: Senior Vice President
	
Title: __________________

 

MERS AUTHORIZATIONS:

Any of the persons whose signatures and titles appear below, or attached
hereto, are authorized, acting singly, to act for MERS under this Agreement:

	
By: ____________________
	
By: ____________________
	
By: ____________________

	
Name: William Hultman
	
Name: _________________
	
Name: _________________

	
Title: Secretary/Treasurer
	
Title: __________________
	
Title: __________________

 

 

SELLER AUTHORIZATIONS:

Any of the persons whose signatures and titles appear below, or attached
hereto, are authorized, acting singly, to act for the Seller under this
Agreement:

	
By: ____________________
	
By: ____________________
	
By: ____________________

	
Name: _________________
	
Name: _________________
	
Name: _________________

	
Title: __________________
	
Title: __________________
	
Title: __________________

EXHIBIT B

MERS PROCEDURES MANUAL

As Appears on the MERS WebSite: http://www.mersinc.org

EXHIBIT C

NOTICE OF TERMINATION EVENT

______________ ____, ________

 

MERSCORP, Inc.

[Address]

Ladies and Gentlemen:

Please be advised that this Notice of Termination Event is being issued
pursuant to Section 4(b) of that certain Electronic Tracking Agreement (the
"Electronic Tracking Agreement"), dated as of (_____________, ___,2002],
by and among Greenwich Capital Financial Products, Inc. ("Purchaser"),
[____________] (the "Seller"), MERSCORP, Inc. (the "Electronic
Agent") and Mortgage Electronic Registration Systems, Inc. ("MERS").
In accordance with Section 4(b) of the Electronic Tracking Agreement,
demand is hereby made by the Purchaser upon the Electronic Agent to modify the
investor, servicer and _________ fields on the MERS System to reflect the name
of [Purchaser] [Purchaser's designee] with respect to the Affected Loans that
are listed on the attached Schedule 1 (including the mortgage
identification numbers). Accordingly, the Electronic Agent shall not accept
instructions from the Seller, the Servicer, any subservicer or any other person
party other than the Purchaser with respect to such Mortgage Loans, until
otherwise notified by the Purchaser.

Any terms used herein and not otherwise defined shall have such meaning
specified in the Electronic Tracking Agreement.
______________________________

By: ___________________________

Title: _________________________

EXHIBIT D

FORM OF CORPORATE RESOLUTION

Be it Resolved that the individuals listed on Schedule A attached hereto are
employees of Greenwich Capital Financial Products, Inc. (the "Purchaser"), a
member of Mortgage Electronic Registration Systems, Inc. ("MERS"), and are
hereby appointed as assistant secretaries and vice presidents of MERS, and, as
such, are authorized to:

(1)release the lien of any mortgage loan registered on the MERS System
that has been purchased by the Purchaser;

(2)assign the lien of any mortgage loan registered on the MERS System
that has been purchased by the Purchaser;

(3)execute any and all documents necessary to foreclose upon the property
securing any mortgage loan registered on the MERS System that has been purchased
by the Purchaser, including but not limited to (a) substitution of trustee
on Deeds of Trust, (b) Trustee's Deeds upon sale on behalf of MERS,
(c) Affidavits on Non-military Status, (d) Affidavits of Judgment,
(e) Affidavits of Debt, (f) quitclaim deeds, (g) Affidavits
regarding lost promissory notes, and (h) endorsements of promissory notes
to VA or HUD on behalf of MERS as a required part of the claims process;

(4)take any and all actions and execute all documents necessary to
protect the interest of the Purchaser, the beneficial owner of such mortgage
loan, or MERS in any bankruptcy proceeding regarding a loan registered on the
MERS System that has been purchased by the Purchaser, including but not limited
to: (a) executing Proofs of Claim and Affidavits of Movant under 11 U.S.C.
Sec. 501-502, Bankruptcy Rule 3001-3003, and applicable local bankruptcy rules,
(b) entering a Notice of Appearance, (c) vote for a trustee of the
estate of the debtor, (d) vote for a committee of creditors,
(e) attend the meeting of creditors of the debtor, or any adjournment
thereof, and vote on behalf of the Purchaser, the beneficial owner of such
mortgage loan, or MERS, on any question that may be lawfully submitted before
creditors in such a meeting, (f) complete, execute, and return a ballot
accepting or rejection a plan, and (g) execute reaffirmation
agreements;

(5)take any and all actions and execute all documents necessary to
refinance, amend or modify any mortgage loan registered on the MERS System that
has been purchased by the Purchaser;

(6)endorse checks made payable to Mortgage Electronic Registration
System, Inc., to the Purchaser that are received by the Purchaser for payment on
any mortgage loan registered on the MERS System that has been purchased by the
Purchaser;

(7)take any such actions and execute such documents as may be necessary
to fulfill the Purchaser's servicing obligations to the beneficial owner of such
mortgage loan (including mortgage loans that are removed from the MERS System as
a result of the transfer thereof to a non-member of MERS);

(8)take all or any of the foregoing actions, in circumstances in which
the Purchaser has a security interest in loans registered on the MERS System, or
in mortgage loans which have not yet been entered on the MERS System but name
MERS as the mortgagee, upon delivery to MERS of a Notice of Default in the form
of Schedule B attached hereto; and

(9)take all or any of the actions authorized by the Electronic Tracking
Agreement dated ________________ among MERS, MERSCORP, Inc., the Purchaser and
_____________.

I, William C. Hultman, being the Corporate Secretary of Mortgage Electronic
Registration Systems, Inc., hereby certify that the foregoing is a true copy of
a Resolution duly adopted by the Board of Directors of said corporation
effective as of the ____ day of ___________, 2002, which is in full force and
effect on this date and does not conflict with the Certificate of Incorporation
By-Laws or any other agreement of said corporation.

 
______________________________

(Signature)

(Corporate seal)

Schedule A

List of Greenwich Employees

Schedule B

Notice of Default [Needs to be supplied by MERS]Q1 2002 Exhibit 10.7

                                                                       Exhibit 10.7

 
[**] Confidential Treatment Requested 

Delta

SkyMiles® Program Participation Agreement

This Agreement, effective the ______ day of _____________, 2002
(the "Effective Date") by and between Delta Loyalty Management Services, Inc.
("DLMSI"), having its principal place of business at 1030 Delta Boulevard,
Atlanta, Georgia 30320, and E-LOAN, Inc. ("Company"), having its principal place
of business at 5875 Arnold Road, Dublin, CA 94568, in connection with Company's
participation in the Delta SkyMiles Program.

Whereas, DLMSI has developed the SkyMiles® Program, under which Members
are awarded Delta Miles for travel on Delta Air Lines and certain other SkyMiles
Program Participants, and for the purchase of goods or services from other
SkyMiles Program Participants in association with the SkyMiles Program, and can
obtain bonus travel and other SkyMiles Program Awards for such SkyMiles Program
Activity; and

Whereas, Company desires to purchase Delta Miles to provide to Members as an
incentive to conduct business with Company; and

Whereas, DLMSI is willing to sell Delta Miles to Company on the following
terms and conditions;

Now therefore, in consideration of the mutual covenants and promises in this
Agreement, the parties agree as follows:

	Definitions.  For all purposes of this Agreement, the following terms
shall have the following meanings:

"Affiliate" means, with respect to any Person, any other Person that has a
relationship with such Person whereby either of such Persons directly or
indirectly Controls, is Controlled by or is under common Control with the other
of such Persons. An ownership, voting or similar interest (including any right
or option to obtain such an interest) representing at least 50% of the total
interests then outstanding of the pertinent entity shall constitute "Control,"
for the purposes of this definition.

"Agreement" means this Delta SkyMiles Program Participation Agreement, as it
may, from time to time, be amended or modified in a writing signed by DLMSI and
Company.

"Company" has the meaning assigned to such term in the preamble to this
Agreement.

"Company Customer" or "Customer" means an individual with whom Company
conducts business.

"Employee" means an individual who is on Company's or DLMSI's (as applicable)
payroll.

"Company Marks" shall have the meaning set forth in Section 5(b).

"DLMSI" has the meaning assigned to such term in the preamble to this
Agreement.

"DLMSI Marks" shall have the meaning set forth in Section 5(a).

"Delta Miles" means the miles distributed to a Member under this Agreement as
a result of the Member's participation in a Company Incentive Program, which
entitle such Member to SkyMiles Program Awards based on the terms and conditions
of the SkyMiles Program.

"Incentive Program" shall have the meaning set forth in Article 2.

"Member" means, as of any date, an individual who is a member in good
standing of the SkyMiles Program.

"Member Data" shall have the meaning set forth in Section 3(a).

"Person" means any individual, corporation, partnership, joint venture,
association, joint stock company, trust, unincorporated organization, other
legal entity, or government or any group or political subdivision thereof.

"SkyMiles Program" means the travel awards program governed by DLMSI, as such
program may be in effect from time to time, pursuant to which, among other
things, Members receive Delta Miles for (i) travel on Delta Air Lines or Delta
Connection Carriers, (ii) travel on and/or the purchase of goods or services
from SkyMiles Program Participants, or (iii) any other reason permitted by
DLMSI.

"SkyMiles Program Activity" means the points or miles accrued under the
SkyMiles Program Rules by Members for (i) travel on Delta or Delta Connection
Carriers, (ii) travel on, and/or the purchase of goods or services from SkyMiles
Program Participants, or (iii) any other reason permitted by DLMSI.

"SkyMiles Program Awards" means the awards or benefits that Members can
receive from Delta Air Lines, Delta Connection Carriers and/or certain SkyMiles
Program Participants pursuant to the SkyMiles Program Rules in exchange for the
redemption of accrued Delta Miles, and, if applicable, other consideration.

"SkyMiles Program Participant" means any Person that, pursuant to the
SkyMiles Program Rules and an agreement between DLMSI and such Person regarding
such Person's participation in the SkyMiles Program: (i) provides goods or
services to Members in exchange for the redemption of Delta Miles, or (ii) in
connection with the sale of goods or services by such Person to Member, offers
Delta Miles to such Member.

"SkyMiles Program Rules" means the rules, regulations, terms and conditions
established or modified, from time to time, by DLMSI, in its sole discretion,
which shall govern the SkyMiles Program.

"Term" shall have the meaning set forth in Section 9(a).

	Program Conditions.

	Company will conduct an incentive program as set forth in Exhibit A to
this Agreement (the "Incentive Program"), which offers Company Customers who are
Members a specified number of Delta Miles in exchange for certain activities
described in the Incentive Program. All aspects of the Incentive Program
concerning in any way the SkyMiles Program shall be and remain in all respects
consistent with the SkyMiles Program Rules and this Agreement. Company will not
change any material element of the Incentive Program without DLMSI's prior
written consent.
	Except as otherwise expressly set forth in this Agreement and subject to
Company's underwriting standards and conditions, in offering its services to
consumers who visit Company's website, Company shall not treat Members less
favorably than non-Members.
	DLMSI will enroll as Members all Company Customers who elect to become
members in the SkyMiles Program subject to the same terms and conditions as
generally applicable to Members enrolled directly by DLMSI. Delta Miles credited
to SkyMiles Program accounts as a result of Company's participation in the
SkyMiles Program shall have the same redemption value and be subject to the same
terms and conditions as Delta Miles otherwise credited to SkyMiles Program
accounts. If the SkyMiles Program is terminated, Delta Miles credited to
Members' accounts as a result of Company's participation in the SkyMiles Program
shall be entitled to the same redemption rights as any other Delta Miles. All
Delta Miles credited to Members' SkyMiles Program accounts as a result of
Company's participation in the SkyMiles Program shall be "standard" miles,
unless otherwise agreed to in writing by Delta, and shall not count toward a
Member's Medallion or other elite status.
	DLMSI and Company designate the following individuals as their
representatives through which DLMSI and Company shall operate concerning all
SkyMiles Program related matters.  DLMSI and Company shall confirm to the other
all contact information concerning such representatives every six (6) months
during the Term.

DLMSI:

Name: David Boggess

Address:Delta Loyalty Management Services, Inc.

Department 744

1030 Delta Blvd.

Atlanta, GA 30320

Phone:(404) 715-2474

Fax:(404) 715-9086

Company:

Name: Matthew Murray

Address:E-LOAN, Inc.

5875 Arnold Road

Dublin, CA 94568

Phone:(925) 560-2617

Fax:(925) 556-2914

	Posting of Miles; Records.

	Within 10 business days after the last day of each calendar month, or at
such other intervals as agreed to in writing by the parties, Company will supply
DLMSI with data in a mutually agreed format, containing the Member's name,
SkyMiles Program account number, and Delta Miles to be awarded in accordance
with the Incentive Program (the "Member Data"). Company will bear all
responsibility for ensuring the accuracy of the Member Data and the calculation
of Delta Miles earned by each Member.
	Commensurate with supplying Member Data to DLMSI under Section 3(a)
above, Company will submit payment for miles to be posted to Delta by overnight
delivery or wire transfer as described in Section 4, including the
applicable Excise Tax. This payment shall be the greater of the minimum monthly
payment of $[**] or the amount calculated in accordance with the Member Data as
set forth in Section 3(a). Should Company make the minimum monthly payment,
DLMSI will credit Company the difference between the cost of the total Delta
Miles awarded per the Incentive Program for that month and the minimum monthly
payment, which Company can apply toward future Delta Miles purchased per the
agreed upon price in Exhibit B.

Example: Company purchases $[**] in Delta Miles for the Incentive Program per
Member Data submitted as set forth in Section 3(a). Per Section 3(b),
the minimum monthly payment of $[**] is paid by the Company to DLMSI. That
portion of the minimum monthly payment not made in respect of Delta Miles
purchased for the Incentive Program ($[**]), will be credited against the next
[**] Delta Miles ($[**] per Delta Mile)to be posted to Members as earned under
the Incentive Program.

Within 30 days of receipt of the Member Data, DLMSI will post the Delta Miles
to the Member accounts in accordance with the Member Data.

	Company will keep complete and accurate records of its transactions with
Members. From time to time, as DLMSI may reasonably request, Company will
certify in writing the fact that a Person or Persons reported as accruing Delta
Miles did properly do so as provided in Article 2 of this Agreement.

	Payment.

	Company will compensate DLMSI for each Delta Mile posted to a Member's
SkyMiles Program account as set forth in Exhibit B.
	Payment must be sent to the following address:

If by check:

Delta Loyalty Management Services

PO Box 101404

Atlanta, Georgia 30392-1404

Phone: 404-773-3480

If by overnight delivery:

Delta Loyalty Management Services

Delta Air Lines LB#101404

3585 Atlanta Avenue

Hapeville, Georgia 30354

Phone: 404-773-3480

If by wire transfer:

Delta Loyalty Management Services

Citibank - N.A.

399 Park Avenue

New York, NY

ABA# [**]

Account # [**]

	All Delta Miles posted under this Agreement are subject to federal excise
taxes pursuant to Section 4261 of the Internal Revenue Code, or any
successor federal excise tax ("Excise Tax").
	Any discrepancies that arise from the payment for miles under
Section 3(b) will be invoiced or credited by DLMSI. Company will pay the
amount stated on the invoice, in immediately available funds, Directly to DLMSI,
within fifteen (15) days of the date of Company's receipt of the invoice.  Any
amount not paid in accordance with this Article shall be subject to an
additional interest charge of the lesser of 1.5% per month or the greatest
amount chargeable under applicable state law. Should Company reasonably dispute
a portion of any invoice, Company may withhold payment of the disputed portion,
and shall pay the remainder of the invoice as set forth in this Agreement;
provided, however, that in any event Company shall pay not less than fifty
percent (50%) of the total amount of any disputed invoice. The parties shall
cooperate with each other to resolve the dispute as quickly as possible, and if
the dispute has not been resolved within forty-five (45) days of the date of the
invoice in question, the parties shall, within sixty (60) days of the date of
the invoice in question, attempt to resolve the dispute at the vice-president
level or higher within the respective parties.

(a)As a condition precedent to this Agreement, Company shall pay to Delta
a sum equal to $[**], which Delta shall retain as pre-payment for the
Promotional Materials and Advertising amounts due under Exhibit E of this
Agreement.

	Use of Marks; Marketing and Promotion.

	DLMSI Marks:

	Subject to the terms and conditions of this Agreement, DLMSI hereby grants
to Company a royalty-free, nonexclusive, non-transferable, non-sublicensable,
limited license to use the DLMSI Marks solely in connection with the marketing
and promotion of Company's participation in the Delta SkyMiles Program as
contemplated by this Agreement. Company's use of the DLMSI Marks shall in each
instance be subject to DLMSI's prior written authorization and approval. "DLMSI
Marks" shall mean the trademarks, trade names, trade styles, trade dress,
service marks, logos, designs, corporate names, or other similar general
intellectual property right specified in Exhibit C hereto, and any other
trademark, trade name, trade style, trade dress, service mark, logo, design,
corporate name, or other similar general intellectual property right that DLMSI
provides to Company for the purpose of performance of the respective obligations
of the parties under this Agreement; provided, however, that DLMSI, in its sole
discretion from time to time, may change the appearance and/or style of the
DLMSI Marks or add to or subtract from the list in Exhibit C.
	As between DLMSI and its Affiliates, on the one hand, and Company and its
Affiliates, on the other hand, DLMSI or one or more of its Affiliates owns
exclusively all right, title, and interest in, to, and under the DLMSI Marks.
DLMSI reserves for itself and its Affiliates, as applicable, all rights in, to,
and under the DLMSI Marks that are not expressly granted to Company under this
Agreement.

	Company Marks:

	Subject to the terms and conditions of this Agreement, Company hereby grants
to DLMSI a royalty-free, nonexclusive, non-transferable, non-sublicensable,
limited license to use the Company Marks solely in connection with the marketing
and promotion of Company's participation in the Delta SkyMiles Program as
contemplated by this Agreement. DLMSI's use of the Company Marks shall in each
instance be subject to Company's prior written authorization and approval.
"Company Marks" shall mean the trademarks, trade names, trade styles, trade
dress, service marks, logos, designs, corporate names, or other similar general
intellectual property right specified in Exhibit D hereto, and any other
trademark, trade name, trade style, trade dress, service mark, logo, design,
corporate name, or other similar general intellectual property right that
Company provides to DLMSI for the purpose of performance of the respective
obligations of the parties under this Agreement; provided, however, that
Company, in its sole discretion from time to time, may change the appearance
and/or style of the Company Marks or add to or subtract from the list in
Exhibit D.
	As between Company and its Affiliates, on the one hand, and DLMSI and its
Affiliates, on the other hand, Company or one or more of its Affiliates owns
exclusively all right, title, and interest in, to, and under the Company Marks.
Company reserves for itself and its Affiliates, as applicable, all rights in,
to, and under the Company Marks that are not expressly granted to Company under
this Agreement.

	Company's and DLMSI's obligations with respect to marketing and promotion
are set forth in Exhibit E to this Agreement.

	Indemnification.

	Company will indemnify, defend and hold harmless DLMSI, its Affiliates, and
its and their officers, directors, agents and employees (for the purposes of
this paragraph, the "DLMSI Indemnitees") from and against any and all claims,
losses, damages, suits, judgments, costs and expenses (including litigation
costs and reasonable attorneys fees) arising out of or relating to Company's
performance, nonperformance, or improper performance of its obligations under
this Agreement, or to Company's operation of the Incentive Program, including,
without limitation, any claim by a Member or Customer of Company's breach,
violation or failure to comply with the Incentive Program (for the purposes of
this paragraph, "Claims"); provided, however, that in no event shall Company be
required to indemnify, defend or hold harmless the DLMSI Indemnitees to the
extent any Claims arise from the fault or neglect of any DLMSI Indemnitee.
	DLMSI will indemnify, defend and hold harmless Company, its Affiliates, and
its and their officers, directors, agents and employees (for the purposes of
this paragraph, the "Company Indemnitees") from and against any and all claims,
losses, damages, suits, judgments, costs and expenses (including litigation
costs and reasonable attorneys fees) arising out of or relating to DLMSI's
performance, nonperformance, or improper performance of its obligations under
this Agreement, or to Company's operation of the SkyMiles Program, including,
without limitation, any claim by a Member or Customer of DLMSI's breach,
violation or failure to comply with the SkyMiles Program (for the purposes of
this paragraph, "Claims"); provided, however, that in no event shall DLMSI be
required to indemnify, defend or hold harmless the Company Indemnitees to the
extent any Claims arise from the fault or neglect of any Company
Indemnitees.

	Limitation of Liability.  IN NO EVENT SHALL EITHER PARTY BE LIABLE TO
THE OTHER FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES,
INCLUDING BUT NOT LIMITED TO LOSS OF REVENUES, PROFIT OR GOODWILL, FOR ANY
MATTER ARISING OUT OF OR RELATING TO THIS AGREEMENT, WHETHER SUCH LIABILITY IS
ASSERTED ON THE BASIS OF CONTRACT, TORT OR OTHERWISE; PROVIDED, HOWEVER, THAT
THE FOREGOING LIMITATIONS OF LIABILITY SHALL NOT APPLY IN THE EVENT OF THIRD
PARTY CLAIMS FOR BODILY INJURY (INCLUDING LOSS OF LIFE) OR DAMAGE TO REAL
PROPERTY OR TANGIBLE PERSONAL PROPERTY TO THE EXTENT CAUSED BY THE NEGLIGENCE OR
WILLFUL MISCONDUCT OF EITHER PARTY; OR A BREACH BY EITHER PARTY OF
SECTION 5 OR THE CONFIDENTIALITY OBLIGATIONS SET FORTH IN THIS
AGREEMENT.

	Confidentiality.

	Confidential Information. Each party (for the purposes of this
Article, a "Receiver") shall maintain in strict confidence, and agree not to
disclose to any third party, except as necessary for the performance of this
Agreement when authorized by the other party (for the purposes of this Article,
a "Discloser'") in writing, Confidential Information that the Receiver receives
from the Discloser or its Affiliates. "Confidential Information" means: all non-public
information of a competitively sensitive nature concerning the Discloser
or its Affiliates, including, but not limited to, this Agreement; any
information regarding identifiable individuals, including without limitation,
Customer, Employee, or Member data, which data has been collected by or on
behalf of the Discloser or its Affiliates ("PII" or "Personally-Identifiable
Information"); Trade Secrets, as defined by applicable state law; and any other
non-public information (whether in writing or retained as mental impressions)
concerning research and development; present and future projections; operational
costs and processes; pricing, cost or profit factors; quality programs; annual
and long-range business plans; marketing plans and methods; customers or
suppliers; contracts and bids; products or services; and personnel. Personally-Identifiable
Information shall include, without limitation, a consumer's first
and last name, physical address, zip code, email address, phone number, social
security number, birth date, and any other information that itself identifies or
when tied to the above information, may identify a consumer, all "personally
identifiable financial information" and any list, description or other grouping
of consumers, and publicly available information pertaining to them, that is
derived using any personally identifiable financial information that is not
publicly available, and shall further include all "nonpublic personal
information" as defined by federal regulations implementing the Gramm-Leach-Bliley Act, as
amended from time to time. "Personally identifiable financial
information" means any information a consumer provides to a party in order to
obtain a financial product or service, any information a party otherwise obtains
about a consumer in connection with providing a financial product or service to
that consumer, and any information about a consumer resulting from any
transaction involving a financial product or service between a party and a
consumer.

	Exclusions. Confidential Information does not include information:
that is, or subsequently may become within the knowledge of the public generally
through no fault of the Receiver; that the Receiver can show was previously
known to it as a matter of record at the time of receipt; that the Receiver may
subsequently obtain lawfully from a third party who has lawfully obtained the
information free of any confidentiality obligations; or that the Receiver may
subsequently develop as a matter of record, independently of disclosure by the
Discloser.

	Duration of Obligation. The confidentiality obligation with respect
to Confidential Information received by either party shall remain in effect
until three (3) years from the termination or expiration of this Agreement. The
confidentiality obligation with respect to Confidential Information consisting
of PII shall remain in effect in perpetuity; provided, however, that if
governing law requires a reasonable limit upon the duration of such obligation
for such obligation to be enforceable, the parties agree that a duration of the
longer of ten (10) years from the date of this Agreement or ten (10) years from
the date of receipt of the PII shall be deemed reasonable. The confidentiality
obligation with respect to Confidential Information consisting of Trade Secrets
received by either party shall remain in effect for as long as governing law
allows. Upon the expiration or termination of this Agreement for any reason,
Receiver shall immediately return to Discloser or destroy all Confidential
Information in Receiver's possession or control, as Discloser directs.

	Court Order. Notwithstanding the restrictions in this Article, the
Receiver may disclose Confidential Information or Trade Secrets to the extent
required by an order of any court or other governmental authority, but only
after the Receiver has notified the Discloser and Discloser has had the
opportunity, if possible, to obtain reasonable protection for such information
in connection with such disclosure.

	Ownership. As between Discloser and Receiver, Discloser shall own all
right title and interest in and to Confidential Information. Without limiting
the foregoing, as between DLMSI and Company, DLMSI shall own all right, title
and interest in and to the SkyMiles Program, and Company shall own all right,
title and interest in and to the Incentive Program.

	Customer, Employee, and Member Information. So long as Company does
not otherwise breach any obligation of confidentiality set forth in this Article
8, nothing herein may be construed to restrict Company use of information
contained in its own Customer or Employee databases obtained from its Customers
or Employees in the normal course of business. So long as Delta does not
otherwise breach any obligation of confidentiality set forth in this
Article 8, nothing herein may be construed to restrict DLMSI's use of
information contained in its own Member databases obtained from its Members in
the normal course of business.

	Additional Provisions regarding PII. In addition to the other
obligations in this Article 8, the parties shall abide by the provisions of this
Section 8(g) concerning PII. For the purposes of these provisions: the term
"Data Subject" means an individual from whom PII is collected; and the terms
"process," "processing" or "processed" in relation to PII include, without
limitation, collection, recording, organization, storage, amendment, retrieval,
consultation, manipulation, and erasure.

	General:  Discloser has entrusted Recipient with PII. Recipient agrees to
use reasonable measures to prevent the unauthorized processing, capture,
transmission and use of PII which Discloser may disclose to Recipient during the
course of Discloser's relationship with Recipient.
	Processing and Use of PII: Recipient shall process and use PII solely in
accordance with the provisions of this Agreement. Recipient shall process and
not use PII for any purpose not specifically set forth in this Agreement without
Discloser's express prior written consent. At any time, Discloser may make
inquiries to Recipient about PII transferred by Discloser and stored by
Recipient, and Recipient agrees to provide to Discloser copies of such PII as
maintained by Recipient within a reasonable time and to perform corrections or
deletions of, or additions to, PII as reasonably requested by Discloser.
	Discloser's Inspection Rights: Discloser shall have the right upon
reasonable prior notice to verify Recipient's compliance with the terms and
conditions of this Agreement, or to appoint a third party under covenants of
confidentiality to verify the same on Discloser's behalf. Recipient shall grant
Discloser's agents supervised, unimpeded access to the extent necessary to
accomplish the inspection and review of all data processing facilities, data
files and other documentation used by Recipient for processing and utilizing
PII. Recipient agrees to provide reasonable assistance to Discloser in
facilitating this inspection function.
	Use of Subcontractors; Transmission of PII to Third Parties: Recipient may
not transfer PII to any third party without Discloser's prior written consent,
and then only upon such third party's execution of an agreement containing
covenants for the protection of PII no less stringent than those contained in
this Agreement.
	Data Security: Recipient shall implement, at a minimum, the data security
measures and observe the minimum standards for the protection of PII as set
forth in this Section 8(g)(v):

	Access of Persons: Recipient agrees to use reasonable measures to prevent
unauthorized persons from gaining access to the data processing equipment or
media where PII is stored or processed. Recipient agrees to provide its
employees and agents access to PII on a need-to-know basis only and agrees to
cause any persons having authorized access to such information to be bound by
obligations of confidentiality, non-use and non-disclosure no less stringent
than those imposed upon Recipient by this Agreement.
	Data Media: Recipient agrees to use reasonable measures to prevent the
unauthorized reading, copying alteration or removal of the data media used by
Recipient and containing PII.
	Data Retention: Recipient shall not retain PII any longer than is reasonably
necessary to accomplish the intended purposes for which PII was transferred as
set forth in this Agreement. Upon the earlier termination of this Agreement or
the written request of Discloser, Recipient shall delete and/or destroy all PII
in Recipient's possession, including any copies thereof, and shall deliver a
written statement to Discloser within 15 days of Discloser's request confirming
that Recipient has done so.
	Data Memory: Recipient agrees to use reasonable measures to prevent
unauthorized data input into memory and the unauthorized reading, alteration or
deletion of PII.
	Personnel: Upon request, Recipient shall provide Discloser with a list of
Recipient's employees entrusted with processing the PII transferred by
Recipient, together with a description of their access rights.

	Transmission: Recipient agrees to use reasonable measures to prevent PII
from being read, copied, altered or deleted by unauthorized parties during the
transmission thereof or during the transport of the data media on which PII is
stored.
	Privacy Notices and Policies: Each party's privacy notices and privacy
policies are consistent with the Federal Trade Commission's procedures, rules
and regulations, as applicable and as amended from time to time, and comply with
acceptable trade practices.

	Term and Termination.

	This Agreement shall commence on the Effective Date, and shall remain in
effect for two (2) years, unless earlier terminated as set forth in this
Agreement (the "Term"
	In addition to any other right or remedy available to a party under this
Agreement or otherwise, either party may terminate this Agreement if the other
party breaches any material provision of this Agreement and has not cured the
breach within thirty (30) days after receipt of written notice of the breach
from the nonbreaching party, which notice shall describe, with as much
particularity as possible, the alleged material breach.
	DLMSI, may alter, modify, or suspend the SkyMiles Program at any time
without notice. DLMSI may terminate the SkyMiles Program upon giving six (6)
months advance written notice.
	DLMSI or Company may terminate this Agreement, without cause and for the
terminating party's convenience, effective forty-five (45) days following
written notice to the other party. Except for payments specifically set forth in
Section 9(f), neither party shall be liable to the other for any damages,
including lost anticipated profits or benefits, on account of such a
termination.
	In the event of termination of Company's participation in the SkyMiles
Program for any reason, including the termination or expiration of this
Agreement, the parties shall jointly notify affected Members of the pending
discontinuation. At no time during the Term or thereafter shall Company make
targeted solicitations to Company customers who were acquired via SkyMiles
Program acquisitions channels to join any program or service provided by
Company, which program or service is co-branded, cross-marketed, or associated
in any way with any other airline. Mass mailings, media marketing and
advertising shall not be considered a targeted solicitation pursuant to this
provision. For a period of six (6) months from the time of such notice of
discontinuation to Members, Delta shall continue to award Delta Miles to Members
who were participants in the Incentive Program at the time of such
discontinuation and who earned Delta Miles under the Incentive Program before
the effective date of termination, and Company shall pay with respect to such
Delta Miles, in accordance with the terms of this Agreement.
	In the event of termination of Company's participation in the SkyMiles
Program for any reason, including the termination or expiration of this
Agreement, Company shall pay DLMSI the total amount owing for Delta Miles earned
or awarded prior to the effective date of termination in accordance with the
formula set forth in Exhibit B. Any shortfall in Company's Promotional
Materials and Advertising commitment in Exhibit E shall be invoiced by
DLMSI to Company. Company shall pay such revenue guarantee shortfall and
recalculated invoices, if any, within thirty days of the effective date of
termination.
	During any period after which notice of termination has been given by either
party, and prior to termination of Company's participation in the SkyMiles
Program, except as otherwise provided in this Agreement, each party shall
continue to fulfill its respective obligations under this Agreement, unless
otherwise prohibited by law, and shall cooperate in the orderly wind-down of
Company's participation in the SkyMiles Program.
	Articles 1, 6, 7, 8, 11, and 14 through 19 shall survive termination or
expiration of this Agreement, in addition to any provisions which by their
nature should, or by their express terms do, survive or extend beyond
termination or expiration of this Agreement.

	Cooperation with Investigations. Company shall cooperate with all
reasonable requests of DLMSI concerning any investigation and/or prosecution of
anyone engaging in or suspected of engaging in SkyMiles Program abuse or fraud,
including but not limited to assisting DLMSI in verifying Customer's SkyMiles
Program membership status and cooperating with any civil or criminal
prosecution.

	Force Majeure. Except for any obligation to pay money due under this
Agreement, neither party shall be liable for delays or failure in its
performance hereunder caused by any act of God, war, terrorism, strike, labor
dispute, work stoppage, fire, act of government, or any other similar cause
beyond the control of that party.

	Nonexclusive Agreement. Both parties understand and agree that this
is a nonexclusive agreement and that DLMSI may sell Delta Miles or comparable
products to, and Company may purchase comparable products from, any other
Person.

	Assignment. Company may not assign or transfer this Agreement, any
right or obligation under it, or any right of action on it, to any person or
entity, without the prior written consent of DLMSI. DLMSI may not assign or
transfer this Agreement, any right or obligation under it, or any right of
action on it, to any person or entity who's primary business consists of on-line
consumer lending, including, without limitation, automobile or real estate
lending, without the prior written consent of Company.

	Relationship of the Parties. Nothing contained herein shall be deemed
to create an association, partnership, joint venture, or relationship of
principal and agent or master and servant between the parties hereto or any
Affiliates thereof, or to provide either party with the right, power, or
authority whether expressed or implied, to create any such duty or obligation on
behalf of the other party.

	Entire Agreement; Modifications; Severability. This Agreement
constitutes the entire agreement between Company and DLMSI with respect to the
subject matter hereof and supersedes all prior or contemporaneous agreements or
understandings, if any, whether written or oral, relating to such subject
matter. No modifications, amendment or waiver of this Agreement or any of its
terms shall be effective or binding unless made in writing and signed by both
parties. If any provision of this Agreement is declared inoperative, void or
illegal by a court of competent jurisdiction, the remaining provisions shall not
be affected and shall continue in full force and effect unless this Agreement is
thereby rendered impossible to perform.

	No Deemed Waiver; Remedies Cumulative. If either party at any time
fails to require strict compliance with any term or condition hereunder, such
failure will not constitute a waiver of such term or condition or of any
subsequent breach of that term or condition. All rights and remedies of the
parties set forth in this Agreement are cumulative and not alternative.

	
	Notice. Any notice, election, or other communication required or
submitted hereunder shall be made in writing and will be sent by overnight
courier, the appropriate national postal service, return receipt requested,
postage and charges.

To DLMSI:

President

Delta Loyalty Management Services, Inc.

1030 Delta Blvd.

P.O. Box 20706

Dept. 744

Atlanta, Georgia 30320

USA

Fax No.: (404) 715-9086

To Company: E-LOAN, Inc.

Name: Matthew Murray

Address:E-LOAN, Inc.

5875 Arnold Road

Dublin, CA 94568

Fax: (925) 556-2914

with a copy to Edward A. Giedgowd, General Counsel at Fax no. (925) 803-3503.

	Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Georgia, without giving effect to its
conflicts of law principals.

	Headings. All paragraph headings in this Agreement are solely for the
purpose of reference and do not supplement, limit or define the scope or content
of this Agreement.

IN WITNESS WHEREOF, this Agreement has been executed by the parties hereto by
their duly authorized representatives as of the date first above written.

DELTA LOYALTY MANAGEMENT SERVICES, INC.

"DLMSI"

By: __________________________________

Name: ________________________________

Title: _________________________________

 

E-LOAN, INC.

"COMPANY"

By: __________________________________

Name: ________________________________

Title: _________________________________

Exhibit A

Incentive Program

E-LOAN shall award each borrower a minimum of [**] miles for every $[**] of a
mortgage transaction entered into by such Member borrower and E-LOAN. E-LOAN
shall award each borrower a minimum of [**] miles for every $[**] of a home
equity line/loan transaction entered into by such Member borrower and E-LOAN. E-LOAN shall
award each borrower a minimum of [**] miles for every automobile loan
transaction entered into by such Member borrower and E-LOAN. E-LOAN may also
award miles for related services approved by DLMSI whose approval will not be
unreasonably withheld or delayed.

Exhibit B

Payment

During each 365-day period, beginning on the effective date of this Agreement
(a "contract year"), as the following mileage milestones are reached, DLMSI will
adjust the mileage fees accordingly to reflect the new tier-price for all miles
purchased to date during the contract year, and provide Company with a credit or
refund of any excess amount resulting from an adjustment.

	
Aggregate Contract Year Miles Purchased
	
Retroactive Cumulative Price Per Mile

	
[**] and up
	
$[**]

	
[**] and up
	
$[**]

	
[**] and up
	
$[**]

	
Up to [**]
	
$[**]

Example: If, during the first four months in a contract year, Company
purchases [**]  [**], [**], and [**] respectively, the compensation owing for
each month in the contract year would be calculated as follows:

	
Month
	
Miles Purchased
	
Cumulative Miles
	
Monthly Fee

	
1
	
[**]
	
[**]
	
$[**]*

	
2
	
[**]
	
[**]
	
$[**]**

	
3
	
[**]
	
[**]
	
$[**]***

	
4
	
[**]
	
[**]
	
$[**]****

	
*   [**] x $[**]
	 	 
	
**  [**] x $[**]
	 	 

*** [**]

**** [**].

Exhibit C

DLMSI Marks

Exhibit D

Company Marks

E-LOAN

My E-LOAN

E-LOAN Express

www.e-loan.com

Exhibit E

Marketing and Promotion

E-LOAN PROMOTIONAL MATERIALS AND ADVERTISING

Subject to the advance approval of DLMSI, E-LOAN agrees to
collectively promote and/or advertise the Program by:
A.  Purchasing advertising space in any of the following Delta Marketing
products in the amount of $[**] per contract year as mutually agreed upon by
both parties including, but not limited to: Sky Magazine, Delta Ticket Jackets,
Inflight Video, Meal Tray Cards, SkyMiles Award Inserts and e-mail
solicitations, and other digital vehicle medias. Proof of annual purchases
verifies completion of commitment or cash payment of difference as
applicable.

B.  Joint announcement via news release of E-LOAN's offering the Program.

C.  Developing and maintaining a dedicated co-branded web site, a link to
which will be provided by DLMSI on Delta's web site.

D.  Conducting a direct response marketing program that will include direct
mail, inbound and outbound telemarketing and/or e-mail solicitations. E-LOAN
will achieve a total of no less than [**] solo outbound solicitations to
SkyMiles members and inbound responses to SkyMiles/E-LOAN marketing activities
for each contract year.

E.  E-LOAN will promote and/or advertise the Program where appropriate
by:
(i)  Advertising at E-LOAN'S cost its participation in the Program.

(ii)  Including the Program in E-LOAN's promotional literature as it deems
appropriate.

DLMSI PROMOTIONAL MATERIALS AND ADVERTISING

A.  At no cost to E-LOAN, at the effective date of this Agreement and
from time to time thereafter, DLMSI will provide to E-LOAN, in quantities and
frequencies which DLMSI deems reasonably sufficient, the following
materials:
(i)  Delta SkyMiles applications;

(ii)  Delta SkyMiles program brochures; and

(iii)  Any other collateral materials to the Program that DLMSI in its sole
discretion deems necessary.

B.  DLMSI will promote and/or advertise E-LOAN's participation where
appropriate by inclusion of E-LOAN'S name and/or logo in every SkyMiles
Newsletter when all Program participants are listed or when E-LOAN is a member
of a category specific listing. DLMSI will provide newsletter coverage about E-LOAN'S
participation in the program in its May 2002 SkyMiles Newsletter.

C.  DLMSI agrees to permit E-LOAN to insert promotional material in one (1)
SkyMiles mailing in contract year 1, and in one (1) SkyMiles mailing in contract
year 2. DLMSI will offer additional promotional material insert space to E-LOAN
as it becomes available. DLMSI and E-LOAN will mutually agree on the months for
such inserts and E-LOAN agrees to comply with the mailing specifications and
deadlines as set by DLMSI. Production and delivery of the inserts to DLMSI and
all costs associated therewith shall be the sole responsibility of E-LOAN,
content of the insert is subject to DLMSI's prior review and approval. E-LOAN
will verify/certify to the best of its knowledge that any insert containing
business reply or courtesy reply letter-size cards or envelopes, shall bear the
correct facing identification marks (FIM) and bar-code, and all appropriate U.S.
Postal Service automation standards. E-LOAN will be liable for and will agree to
pay, subject to appeals described by postal laws and regulations, any revenue
deficiencies assessed in connection with such reply items.

D.  Once per quarter of this Agreement, upon request of E-LOAN, DLMSI shall
provide to E-LOAN access to the Delta SkyMiles member database for the purpose
of enabling E-LOAN to mail such SkyMiles members materials promoting E-LOAN's
loan products, including E LOAN delivered weekly direct mail, e-mail and/or
outbound telemarketing to those members who match E-LOAN's, or its third party
provider's multiple listing database of consumers who have listed their home for
sale ("Purchase Match Program"); such access may be provided by DLMSI directly
or indirectly through a mailing service; all materials shall be subject to prior
review and approval by DLMSI, which such approval shall not be unreasonably
withheld or delayed, and to the consent of members to receive such
materials.

E.  DLSMI shall create and maintain a link on Delta's primary website,
currently located at www.delta.com, to the E-LOAN co-branded site, which will be
located at www.eloan.com/delta. For purposes of this Agreement, a co-branded
site is a website containing the service marks of the parties and will include,
but is not limited to the following E-LOAN site functionality: Rate Search, Loan
Comparison, Application, Tools and Calculators, and E-TRACK. The content and
format of the co-branded site shall be mutually-agreeable to E-LOAN and
DLMSI.

F.  DLSMI shall offer E-LOAN the ability to purchase additional marketing
opportunities, per the DLSMI rate card, at the partner rate; provided such
marketing opportunities are available. All such marketing shall be subject to
prior review and approval by DLSMI, which such approval shall not be
unreasonable withheld or delayed, and the consent of members to receive such
materials.

 [**] Confidential Treatment Requested

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