Document:

EX-10.1

Exhibit 10.1

AMENDED AND RESTATED EMPLOYMENT AGREEMENT

THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”), dated September 12, 2007
(the “Effective Date”), amends and restates the Employment Agreement, effective as of December 1,
2006 (the “Original Agreement”), by and between AVATECH SOLUTIONS, INC., a Delaware corporation
(the “Company”), and George Davis (“Executive”).

WHEREAS, the Executive has served as the Company’s Executive Vice Chairman and Director of
Strategic Initiatives from December 1, 2006 through May 14, 2007 and the Company’s President and
Chief Executive Officer since May 14, 2007;

WHEREAS, the Company desires Executive to continue to serve as its President and Chief
Executive Officer, and Executive desires to continue in such position subject to the terms and
conditions set forth herein;

WHEREAS, the Company and the Executive wish to amend and restate the Original Agreement to
provide for the continued employment of the Executive as the Company’s President and Chief
Executive Officer on the terms and subject to the conditions of this Agreement.

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

Section 1. Employment. The Company agrees to employ Executive, and Executive agrees to be
employed, as the President and Chief Executive Officer of the Company on the terms and subject to
the conditions of this Agreement.

Section 2. Term. The term of Executive’s employment under this Agreement (the “Term”) will
commence on the Effective Date and will continue through June 30, 2008, subject to earlier
termination as set forth herein. This Agreement shall be renewable on July 1 of each fiscal year
by mutual agreement of the parties through the fiscal year ended June 30, 2010.

Section 3. Duties. Executive will report to, and Executive’s specific responsibilities and
authority will be established by, the Board of Directors or, acting on its behalf, the Executive
Committee, of the Company. Executive will diligently and conscientiously devote all of his
business time and attention and best efforts in discharging his duties to the Company.

Section 4. Compensation and Benefits.

4.1. Base Compensation. During the Term, the Company will pay Executive a base salary (the “Base
Salary”) at an annual rate of $215,000 payable in accordance with the Company’s normal payroll
procedures for executive employees. Upon execution hereof, Executive shall receive a one-time lump
sum payment of $21,666, less applicable taxes, as payment for services rendered as President and
Chief Executive Officer from May 14, 2007 through the date hereof.

4.2. Incentive Compensation. (a) On December 1, 2006, the Company issued 100,000 options to
Executive pursuant to the Company’s standard Form of Option in connection with joining the Company,
which options have a vesting and accelerated vesting schedule as set forth on Exhibit A, attached
hereto and incorporated herein by reference, subject to the terms of the Form of Option. Upon
execution hereof, the Company shall issue to Executive 75,000 options pursuant to the Company’s
standard Form of Option in connection with Executive’s revised role with the Company, which options
shall have a vesting schedule as set forth on Exhibit A, subject to the terms of the Form of
Option.

(b) Executive shall be issued options that vest based upon attaining the performance goals as
set forth on Exhibit B. Exhibit B shall be revised annually by mutual agreement of the parties for
each year that this Agreement is renewed pursuant to Section 2.

4.3. Benefit Plans and Fringe Benefits.

4.3.1. During the Term, Executive will be entitled to participate in any and all employee benefit
programs (including but not limited to medical, vision, prescription drug, dental, disability,
employee and group life, accidental death and travel accident, and section 401(k) plans and
programs) offered by the Company to its executives or to its employees generally, and Executive may
receive such other benefits as the Company may determine from time to time.

4.3.2. Executive will be entitled to perquisites comparable to those that the Company from time to
time extends to its senior executive staff.

4.3.3. The Company will reimburse Executive for business travel, lodging, meals, and other
reasonable business expenses incurred by him in the performance of services hereunder subject to
submission of documentation in accordance with the Company’s business expense reimbursement
policies from time to time applicable to its senior executives.

4.3.4. Executive shall be eligible to participate in the Company’s Employee Stock Purchase Plan.

4.4. Payments; Withholding of Taxes, etc. The Company will make payments of Base Salary in
accordance with the Company’s general payroll practices from time to time in effect. All payments
to Executive pursuant to this Agreement will be reduced by taxes and other amounts that the Company
is required by law or authorized by Executive to withhold.

Section 5. Termination. The Company may, at its election and upon written notice to the
Executive, terminate the Executive’s employment for any reason or no reason, with or without Cause
(as defined below). Executive may, at his election and upon written notice to the Company,
voluntarily terminate his employment with the Company at any time. Upon any such termination, (i)
the Company shall pay to Executive all Base Salary and benefits, as described herein, accrued
through the date of such termination, (ii) all options granted to Executive shall vest or terminate
as set forth on Exhibit A and Exhibit B, respectively, and the Company shall have no further
obligation to Executive; provided, that if the Company terminates Executive’s employment without
Cause (as defined below), Executive shall be entitled to receive his Base Salary for a period of
three months from the date of such termination, and benefits as described in Section 4.3.1 for a
period of one year from the date of such termination, in each case as existing at the time of
termination; provided further, that if Executive is terminated without Cause or elects to terminate
his employment within three months after a Change in Control (as defined below), Executive shall be
entitled to receive his Base Salary and benefits as described in Section 4.3.1, in each case as
existing at the time of termination, for a period of one year from the date of such termination.
All payments pursuant to this Section 5 shall be made periodically pursuant to the Company’s
policies in force at the time of payment. Notwithstanding the foregoing, the Company shall not be
obligated to continue any benefit if the plan or policy under which such benefit is provided limits
the provision of the benefit to full-time employees of the Company, or if the validity of the plan
or policy would be adversely impacted by the continuation of the benefit.

For purposes hereof, “Cause” shall mean (a) Executive’s misappropriation of corporate funds or
assets; (b) Executive’s commission of a felony; (c) Executive’s commission of any crime or offense
involving theft, dishonesty, or moral turpitude; (d) Executive’s failure to devote substantially
his full business time and attention to the Company as provided in Section 3 hereof; (e)
Executive’s willful violation of directions of the Board of Directors of the Company which are
consistent with Executive’s duties as Chief Executive Officer, or any fraud, dishonesty or other
willful misconduct by Executive in the performance of services on behalf of the Company; (f)
material misrepresentation made by Executive to the Company; (g) verifiable evidence that Executive
has engaged in sexual harassment of a nature that could give rise to liability on the part of the
Company; and (h) the commission by Executive of a material breach of the terms of this Agreement.

For purposes hereof, “Change in Control” shall mean (a) a merger or consolidation in which the
Company is not the surviving corporation or the party to the merger or consolidation whose
shareholders do not own 50% or more of the voting stock of the resulting corporation; or (b) the
acquisition of more than 50% of the outstanding voting stock of the Company by any person, or group
of persons acting in concert, in a single transaction or series of transactions.

Section 6. Certain Restrictions.

6.1. Confidentiality. Executive acknowledges that he will acquire confidential information relating
to the Company, its subsidiaries and affiliates, including but not limited to business plans, sales
and marketing plans, financial information, acquisition prospects, and “customer” and “supplier”
lists (as such terms may relate to the business or the systems and other trade secrets or know-how
of the Company, its subsidiaries and affiliates) as they may exist from time to time (collectively,
“Confidential Information”), which are valuable, special, and unique assets of the Company’s
business, access to or knowledge of which is essential to the performance of Executive’s duties
hereunder. Accordingly, Executive will not disclose at any time (during his employment under this
Agreement or thereafter) any such Confidential Information other than in connection with and
reasonably required for the performance of his duties under this Agreement, unless required to do
so pursuant to law, subpoena, court order, or other legal process. These restrictions will not
apply to, and Confidential Information will not be deemed to include, information that is then in
the public domain (other than as a result of action by the Executive).

6.2. Competitive Activity. Due to the unique position of Executive in his role with the Company,
Executive agrees that if his employment with the Company ceases for any reason, Executive will not,
during the Term and for a period of one year after the effective date of his termination of
employment, without prior written consent of the Company:

6.2.1. Directly or indirectly, engage or be interested in (as owner, partner, shareholder,
employee, director, officer, agent, consultant or otherwise), with or without compensation, any
business entity or operation that engages in the business of selling computer-aided design software
or providing professional, consulting, technical or training services related to computer-aided
design software within fifty (50) miles of any location where the Company or any of its affiliates
sells such software or provides such services, except that Executive may own up to a five percent
(5%) interest in the publicly-traded securities of a publicly traded corporation. As used herein,
“affiliate” means any corporation, firm or business entity controlled, directly or indirectly, by
the Company or by the same persons, corporations, firms or business entities which control the
Company;

6.2.2. Employ or retain or participate in or arrange the employment or retention of any person who
was employed or retained by the Company, any successor to the Company’s business, or any of their
affiliates or subsidiaries during the period of Executive’s employment; or

6.2.3. Directly or indirectly solicit any customers or clients of the Company, its affiliates, or
subsidiaries.

6.3. Remedy for Breach and Modification. Executive acknowledges that the provisions of this
Section 6 are reasonable and necessary for the protection of the Company and that the Company will
be irrevocably damaged if these provisions are not specifically enforced. Accordingly, Executive
agrees that, in addition to any other relief or remedies available to the Company, including
reasonable attorneys’ fees and costs, the Company is entitled to seek and obtain an appropriate
injunction or other equitable remedy for the purposes of restraining the Executive from any actual
or threatened breach of or otherwise enforcing these provisions and no bond or security will be
required in connection with such equitable remedy. If any provision of this Section 6 is deemed
invalid or unenforceable in any jurisdiction, such provision will be deemed modified and limited in
such jurisdiction to the extent necessary to make it valid and enforceable in such jurisdiction.

Section 7. Arbitration of Certain Disputes. Any dispute or controversy arising under or in
connection with this Agreement, other than with respect to an alleged breach of any of any of the
provisions of Section 6, shall be resolved by binding arbitration held in Baltimore City or
Baltimore County, Maryland before a single arbitrator. Such arbitration will be conducted in
accordance with the Commercial Arbitration Rules of the American Arbitration Association then in
effect and otherwise in accordance with principles that would be applied by a court of law or
equity. The arbitrator shall make written findings of fact and law to support his decision, which
will be final and binding upon all parties. Judgment on any award may be entered and enforced in
any court having jurisdiction.

Section 8. Miscellaneous.

8.1. Entire Agreement; Amendment. This Agreement supersedes all prior agreements between the
parties with respect to its subject matter, is intended as a complete and exclusive statement of
the terms of the agreement between the parties with respect thereto, and may be amended only by a
writing signed by both parties hereto.

8.2. Nonwaiver. The failure of either party to insist upon strict adherence to any term of this
Agreement on any occasion will not operate as a waiver or deprive that party of the right
thereafter to insist upon strict adherence to that term or any other term of this Agreement. Any
waiver must be in a writing signed by the party to be charged therewith.

8.3. Assignment. This Agreement will inure to the benefit of and be binding upon the parties hereto
and their respective heirs, representatives, successors and assigns. This Agreement may not be
assigned by either party without the consent of the other, except that the Company may assign all
of its rights and delegate performance of all of its obligations hereunder in connection with the
sale of all or substantially all of its business; provided that the provisions of Section 5
relating to a Change in Control shall apply.

8.4. Counterparts. This Agreement may be executed in two or more counterparts, each of which will
be an original, but all of which together will constitute the same instrument.

8.5. Headings. The headings in this Agreement are for convenience of reference only and should not
be given any effect in the interpretation of this Agreement.

8.6. Governing Law. This Agreement is governed by the laws of the State of Maryland, without regard
to any provision that would result in the application of the laws of any other state or
jurisdiction.

8.7. Severability. The invalidity or unenforceability of any provision of this Agreement will not
affect the validity or enforceability of any other provision of this Agreement.

8.8. Company Policies, Plans and Programs. Whenever any rights under this Agreement depend on the
terms of a policy, plan, or program established or maintained by the Company, any determination of
these rights will be made on the basis of the policy, plan, or program in effect at the time as of
which such determination is made. No reference in this Agreement to any policy, plan, or program
established or maintained by the Company precludes the Company from prospectively or retroactively
changing or amending or terminating that policy, plan, or program or adopting a new policy, plan,
or program in lieu of the then existing policy, plan, or program.

8.9. Board Action. Any action that may be taken hereunder by the Board of Directors of the Company
with respect to the compensation and benefits of Executive may be taken by an authorized committee
of the Board.

IN WITNESS WHEREOF, the parties have executed this Agreement under seal as of the date first above
written.

AVATECH SOLUTIONS, INC.

By: /s/ Thom Waye

Name: Thom Waye

Title: Chair of the Board of Directors

 /s/ George Davis

	 	 	George Davis

1

EXHIBIT A

Options Vesting and Accelerated Vesting Schedule

December 1, 2006 options

Number of Options — 100,000

Vesting:

- 25,000 vest immediately (December 1, 2006)

- 25,000 vest on December 1, 2007

- 50,000 vest at the rate of 1/36 per month beginning January 1, 2008 (the “Performance Options”)

Accelerated Performance Options:

37,500 options (or a pro rata portion thereof) shall vest immediately based on the incentive
compensation targets for senior executives of the Company adopted by the Company’s Compensation
Committee on September 29, 2006 (as the same may be subsequently adjusted or revised by such
Committee), except that (i) the percentages therein stated shall be percentages of 37,500 option
shares, instead of percentages of targeted incentive compensation, and (ii) percentages related to
service revenue attainments shall be ignored for purposed of this acceleration in vesting.

12,500 options shall immediately vest at such time as the Company achieves $5,000,000 in additional
“non-organic” revenue growth (representing revenue growth attributable to revenue sources other
than the resale of Autodesk software).

September 12, 2007 options

Number of Options- 75,000

Vesting:

- 25,000 vest immediately

- 25,000 vest on July 1, 2008

- 25,000 vest on July 1, 2009

2

EXHIBIT B

A ten-year option to purchase up to 200,000 shares of common stock shall be issued to Executive
upon execution hereof with an exercise price of $0.87 (the closing price of a share of common stock
on the day prior to the date of execution hereof). The option shall vest ten years from the date
of issuance, subject to acceleration of vesting based upon attaining the performance targets set
forth below. Upon termination of Executive’s employment with the Company, such option shall be
terminated to the extent not then vested.

Up to 100,000 shares of common stock shall vest as follows:

	 	 	 
	Net Income (as defined below)

	 	Total number of shares vested
	 

	 	 
	Less than $2,000,000

$2,000,000 to $2,499,999

$2,500,000 to $2,999,999

$3,000,000 to $3,499,999

$3,500,000 to $3,750,000

	 	0

20,000

25,000

50,000

100,000

An additional 10,000 shares of common stock shall vest for each additional $250,000 in Net Income,
up to a maximum of 50,000 additional shares.

25,000 shares shall vest if service revenue for the fiscal year ended June 30, 2008 exceeds
$15,480,000 and an additional 25,000 shares shall vest at the discretion of the compensation
committee based upon the accomplishment of strategic goals as determined from time to time by the
compensation committee.

Notwithstanding the foregoing, no shares shall vest on an accelerated basis if Net Income does not
equal or exceed $2,000,000.

For purposes hereof, “Net Income” shall mean the net income of the Company for the fiscal year
ended June 30, 2008, calculated in accordance with generally accepted accounting principles
consistently applied. Calculation of Net Income and service revenue shall be made within 105 days
of the end of the fiscal year, and shall be based upon audited financial statements prepared by the
Company. Any vesting based upon Net Income or service revenue shall occur on the date of the audit
report with respect to such financial statements.

3EX-10.1

EXHIBIT 10.1

AMENDMENT TO

CREDIT AGREEMENT

AMENDMENT TO CREDIT AGREEMENT, dated as of September 12, 2007 (this “Amendment”), by
and between LUMINENT MORTGAGE CAPITAL, INC., a Corporation organized under the laws of the State of
Maryland corporation (the “Borrower”), and ARCO CAPITAL CORPORATION LTD., a corporation
organized under the laws of the Cayman Islands (the “Lender”).

WHEREAS, the Borrower and the Lender are parties to that certain Credit Agreement, dated as of
August 21, 2007 (as amended, and as may be hereafter amended, modified, supplemented or restated,
the “Credit Agreement”);

WHEREAS, the Borrower has requested, and the Lender has, on terms and conditions set forth
herein, agreed to certain modifications of the Credit Agreement; and

WHEREAS, from and after the Amendment Effective Date (as hereinafter defined) of this
Amendment, the Credit Agreement shall be amended, subject to and upon the terms and conditions set
forth herein.

NOW, THEREFORE, in consideration of the premises set forth above, and for other good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties
hereto agree as follows:

SECTION 1. Definitions. Unless otherwise defined herein, all defined terms that are
defined in the Credit Agreement shall have the same meanings when used herein.

SECTION 2. Amendment to the Credit Agreement. Effective as of the Amendment Effective
Date, Section 1.01 of the Credit Agreement is hereby amended by amending the definition of
“Commitment” in its entirety to read as follows:

“‘Commitment’ means the obligation of the Lender to make Loans
pursuant to Section 2.01 hereof, in an aggregate principal amount at any one
time outstanding up to $23,500,000. The Commitment is subject to reduction
pursuant to Sections 2.08 and 9.02 hereof.”

SECTION 3. Representations and Warranties of the Borrower. The Borrower and each of
the Guarantors represents and warrants (which representations and warranties shall survive the
execution and delivery hereof) to the Lender that:

(a) it has the corporate power and authority to execute, deliver and carry out the terms and
provisions of this Amendment and has taken or caused to be taken all necessary corporate action to
authorize the execution, delivery and performance of this Amendment;

(b) no consent of any person (including, without limitation, shareholders or creditors of the
Borrower or any Guarantor), and no action of, or filing with any governmental or public body or
authority is required to authorize, or is otherwise required in connection with the execution,
delivery and performance of this Amendment which has not been obtained;

(c) this Amendment has been duly executed and delivered by a duly authorized officer on behalf
of such party, and constitutes a legal, valid and binding obligation of such party enforceable
against such party in accordance with its terms, subject to bankruptcy, reorganization, insolvency,
moratorium and other similar laws affecting the enforcement of creditors’ rights generally and the
exercise of judicial discretion in accordance with general principles of equity;

(d) the execution, delivery and performance of this Amendment will not violate any law,
statute or regulation, or any order or decree of any court or governmental instrumentality, or
conflict with, or result in the breach of, or constitute a default under any contractual obligation
of such party;

(e) after giving effect to this Amendment, no Event of Default or event which upon notice or
lapse of time or both would constitute an Event of Default has occurred and is continuing; and

(f) on the date hereof, the representations and warranties contained in the Credit Agreement
and in the Related Documents are and will be true, correct and complete with the same effect as if
made on the date hereof, except to the extent such representations and warranties expressly relate
to an earlier date, in which case, as of such earlier date.

SECTION 4. Conditions to Effectiveness. This Amendment shall become effective as of
the date above written (the “Amendment Effective Date”), if, and only if:

(a) the Lender shall have received counterparts of this Amendment executed by the Borrower and
the Guarantors;

(b) all representations and warranties contained in this Amendment or otherwise made in
writing to the Lender in connection herewith shall be true and correct in all material respects;

(c) the Lender shall have received such other information, materials and documentation as the
Lender or its counsel may reasonably request, which information, materials and documentation shall
be satisfactory in form and substance to the Lender and its counsel; and

(d) all legal matters incident to the effectiveness of this Amendment shall be satisfactory to
the Lender and its counsel.

SECTION 5. Ratification: Waiver of Defenses; and Release.

(a) The Credit Agreement and the other Related Documents remain in full force and effect and
are hereby ratified and affirmed. The Borrower and each Guarantor hereby (i) confirms and agrees
that the Borrower is truly and justly indebted to the Lender in the aggregate amount of the
Obligations without defense, counterclaim or offset of any kind whatsoever; and (ii) reaffirms and
admits the validity and enforceability of the Credit Agreement and the other Related Documents and
the Liens in the Collateral which were granted pursuant to the Related Documents and otherwise.

(b) This Amendment shall be limited precisely as written and shall not be deemed (i) to be a
consent granted pursuant to, or a waiver or modification of, any other term or condition of the
Credit Agreement or any of the instruments or agreements referred to therein or a waiver of any
Default or Event of Default under the Credit Agreement, whether or not known to the Lender or (ii)
to prejudice any other right or rights which the Lender may now have or have in the future under or
in connection with the Credit Agreement or any of the instruments or agreements referred to
therein. Except to the extent hereby waived or modified, the Credit Agreement and each of the
other Related Documents shall continue in full force and effect in accordance with the provisions
thereof on the date hereof.

(c) The Borrower and each Guarantor, on its own behalf and on behalf of its respective
successors and assigns, hereby waives, releases and discharges the Lender and all of its
affiliates, and all of the directors, officers, employees, attorneys, agents, successors and
assigns of the Lender and such affiliates, from any and all claims, demands, actions or causes of
action (known and unknown) arising out of or in any way relating to the Related Documents and any
documents, agreements, dealings or other matters connected with any of the Related Documents, in
each case to the extent arising (x) on or prior to the date hereof or (y) out of, or relating to,
actions, dealings or matters occurring on or prior to the date hereof. The waivers, releases, and
discharges in this Section 5 shall become effective regardless of when the conditions to this
Amendment are satisfied and regardless of any other event that may occur or not occur after the
date hereof.

SECTION 6. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO PRINCIPLES OF CONFLICTS OF
LAW OTHER THAN SECTION 5-1401 AND SECTION 5-1402 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW
YORK.

SECTION 7. References. All references to the “Credit Agreement”, “thereunder”,
“thereof” or words of like import in the Credit Agreement or any other Related Document and the
other documents and instruments delivered pursuant to or in connection therewith shall mean and be
a reference to the Credit Agreement as modified hereby and as each may in the future be amended,
restated, supplemented or modified from time to time.

SECTION 8. Paragraph Headings. The paragraph headings contained in this Amendment are
and shall be without substance, meaning or content of any kind whatsoever and are not a part of the
agreement among the parties thereto.

SECTION 9. Successors and Assigns. The provisions of this Amendment shall be binding
upon and inure to the benefit of the parties hereto and their respective successors and assigns.

SECTION 10. Integration. This Amendment represents the entire agreement of the
parties hereto with respect to the amendment of the Credit Agreement. There are no
representations, agreements, arrangements or understandings, oral or written, between the parties
hereto, relating to the subject matter of this Amendment, which are not fully expressed herein.

SECTION 11. Severability. If any provisions of this Amendment shall be held invalid
or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such
jurisdiction, be ineffective to the extent of such invalidity or enforceability without in any
manner affecting the validity or enforceability of such provision in any other jurisdiction or the
remaining provisions of this Amendment in any jurisdiction.

SECTION 12. Related Document. This Amendment is a Related Document pursuant to the
Credit Agreement and shall (unless expressly indicated herein) be construed, administered, and
applied in accordance with all of the terms and provisions of the Credit Agreement.

SECTION 13. Further Assurances. The Borrower and each Guarantor shall, at any time
and from time to time following the execution of this Amendment, execute and deliver all such
further instruments and take all such further action as may be reasonably necessary or appropriate
in order to carry out the provisions of this Amendment.

SECTION 14. Consultation with Advisors. The Borrower and each Guarantor acknowledges
that it has consulted with counsel and with such other experts and advisors as it has deemed
necessary in connection with the negotiation, execution and delivery of this Amendment. This
Amendment shall be construed without regard to any presumption or rule requiring that it be
construed against the party causing this Amendment or any part thereof to be drafted.

SECTION 15. Acknowledgement by Guarantors. Each of the Guarantors hereby acknowledge
that it has read this Amendment and consents to the terms hereof and further confirms and agrees
that the Security Pledge Agreement to which such Guarantor is a party and all of the Collateral, as
the case may be, described therein do, and shall continue to, secure the payment of all of the
Obligations (in each case, as defined in the Security Pledge Agreement).

SECTION 16. Counterparts. This Amendment may be executed in one or more counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the
same instrument. Delivery of an executed counterpart of a signature page by telecopier shall be
effective as delivery of a manually executed counterpart.

[The remainder of this page is intentionally left blank]

1

IN WITNESS WHEREOF, this Amendment has been duly executed as of the day and year first
above written.

BORROWER:

LUMINENT MORTGAGE CAPITAL, INC.

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

2

GUARANTORS:

MERCURY MORTGAGE FINANCE STATUTORY TRUST

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

LUMINENT CAPITAL MANAGEMENT, INC.

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

PANTHEON HOLDING COMPANY, INC.

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

PROSERPINE LLC

By: /s/ S. TREZEVANT MOORE, JR

S. Trezevant Moore, Jr.

Chief Executive Officer

MAIA MORTGAGE FINANCE STATUTORY TRUST

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

SATURN PORTFOLIO MANAGEMENT, INC.

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

3

MINERVA MORTGAGE FINANCE CORPORATION

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

MINERVA CDO DELAWARE SPV LLC

By: /s/ CHRISTOPHER J. ZYDA

Christopher J. Zyda

Chief Financial Officer

4

LENDER:

ARCO CAPITAL CORPORATION LTD.

By: /S/ JAY JOHNSTON

Jay Johnston

Chief Executive Officer and Chairman

5

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00129-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00129-of-00352.parquet"}]]