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                                                                   EXHIBIT 10.94

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

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

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

         NOW THEREFORE, the 2000 Stock Plan is amended to read as follows
effective April 12, 2004.

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

                  "AGGREGATE LIMITS. The aggregate number of shares of the
                  Company's common stock, par value $.05 per share ("Shares"),
                  that may be made the subject of Awards granted under this Plan
                  is 33,500,000, of which a maximum of 2,000,000 Shares may be
                  issued in the form of Restricted Stock (as defined below). The
                  maximum number of shares subject to the Plan shall be adjusted
                  as provided in Section 8 of the Plan upon a change in the
                  capital structure of the Company. The maximum number of Shares
                  that may be made the subject of Awards to Nonemployee
                  Directors under this Plan in any one calendar year is 125,000
                  with respect to Options and 60,000 shares with respect to
                  Restricted Stock. The Company shall reserve for the purpose of
                  this Plan, out of its authorized but unissued Shares or out of
                  Shares held in the Company's treasury, or partly out of each,
                  such number of Shares as shall be determined by the Board."

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

                  "TAX-CODE LIMITS. The aggregate number of Shares subject to
                  Options granted under this Plan during any calendar year to
                  any one Eligible Person, shall not exceed 6,000,000.
                  Notwithstanding anything to the

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                  contrary in this Plan, the foregoing limitations shall be
                  subject to adjustment under Section 8 only to the extent that
                  such adjustment will not affect the status of any Option
                  intended to qualify as "performance based compensation" under
                  Code Section 162(m). The foregoing limitations shall not apply
                  to the extent that they are no longer required in order for
                  compensation in connection with grants under this Plan to be
                  treated as "performance-based compensation" under Code Section
                  162(m)."

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

                                        Countrywide Financial Corporation

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

/s/ Gerard A. Healy
-------------------------------
Gerard A. Healy
Assistant Secretary<PAGE>
                                                                   EXHIBIT 10.95

                             AMENDMENT NUMBER THREE
                                       TO
                        COUNTRYWIDE FINANCIAL CORPORATION
                                GLOBAL STOCK PLAN

WHEREAS, Countrywide Financial Corporation (the "Company") desires to amend its
Global Stock Plan (the "Plan") to reflect the stock dividend of 17 December
2003;

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

      1.    Section 4.01 of the Plan, Stock Subject to Plan, is hereby amended
            by deleting this section in its entirety and replacing it with a new
            Section 4.01 as follows:

            "4.01 Stock Subject to the Plan. Subject to the provisions of
            Sections 12.03 and 12.04 hereof, the Board shall reserve for
            issuance under the Plan an aggregate of one million five hundred
            thousand (2,000,000) shares of Common Stock, which shares shall be
            authorized but unissued."

      2.    Section 4.1 of Appendix I of the Plan ("UK Sharesave Scheme") is
            hereby amended by deleting this Section in its entirety and
            replacing it with a new Section 4.1 as follows:

            "4.1 No options shall be granted in any year which would, at the
            time they are granted, cause the number of shares in the Company
            allocated under this Plan to exceed 2,000,000."

      3.    Section 11(1) of the UK Sharesave Scheme is hereby amended by
            deleting this Section in its entirety and replacing it with a new
            Section 4.1 as follows:

            "(1) In the event of any Issue or Reorganisation:

                  (a)   the number of Shares comprised in an Option; and/or

                  (b)   the Acquisition Price under an Option

                  may be adjusted in such manner as the Committee or Board
            decides, with the prior approval of Inland Revenue."

                      [THE NEXT PAGE IS THE SIGNATURE PAGE]
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         IN WITNESS WHEREOF, the Company has caused this Amendment Number Three
to be executed by its duly authorized officer this 14th day of April, 2004.

                                          Countrywide Financial Corporation

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

Attest:

/s/ Gerard A. Healy
-------------------
Gerard A. Healy
Assistant Secretary<PAGE>
                                                                   EXHIBIT 10.96

                              AMENDMENT NUMBER FOUR
                                       TO
                        COUNTRYWIDE FINANCIAL CORPORATION
                                GLOBAL STOCK PLAN

WHEREAS, Countrywide Financial Corporation (the "Company") desires to amend its
Global Stock Plan (the "Plan") to reflect the stock dividend of 12 April 2004;

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

      1.    Section 4.01 of the Plan, Stock Subject to Plan, is hereby amended
            by deleting this section in its entirety and replacing it with a new
            Section 4.01 as follows:

            "4.01 Stock Subject to the Plan. Subject to the provisions of
            Sections 12.03 and 12.04 hereof, the Board shall reserve for
            issuance under the Plan an aggregate of two million (3,000,000)
            shares of Common Stock, which shares shall be authorized but
            unissued."

      2.    Section 4.1 of Appendix I of the Plan ("UK Sharesave Scheme") is
            hereby amended by deleting this Section in its entirety and
            replacing it with a new Section 4.1 as follows:

            "4.1 No options shall be granted in any year which would, at the
            time they are granted, cause the number of shares in the Company
            allocated under this Plan to exceed 3,000,000."

      3.    Section 11(1) of the UK Sharesave Scheme is hereby amended by
            deleting this Section in its entirety and replacing it with a new
            Section 4.1 as follows:

            "(1)   In the event of any Issue or Reorganisation:

                   (a)   the number of Shares comprised in an Option; and/or

                   (b)   the Acquisition Price under an Option

                   may be adjusted in such manner as the Committee or Board
            decides, with the prior approval of Inland Revenue."

                      [THE NEXT PAGE IS THE SIGNATURE PAGE]
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         IN WITNESS WHEREOF, the Company has caused this Amendment Number Four
to be executed by its duly authorized officer this 14th day of April, 2004.

                                       Countrywide Financial Corporation

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

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

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