Document:

<PAGE>

                                                                     EXHIBIT 4.4

                               TRANSFER AGREEMENT

                                     between

                      CONSECO FINANCE SECURITIZATIONS CORP.

                                    Purchaser

                                       and

                              CONSECO FINANCE CORP.

                                     Seller

                                   dated as of

                                 October 1, 2001

          CONSECO FINANCE RECREATIONAL ENTHUSIAST CONSUMER TRUST 2001-A

<PAGE>

                                TABLE OF CONTENTS

                                                                            Page

ARTICLE I DEFINITIONS ........................................................1
   SECTION 1.1    General ....................................................1
   SECTION 1.2    Specific Terms .............................................1
   SECTION 1.3    Usage of Terms .............................................2
   SECTION 1.4    No Recourse ................................................3

ARTICLE II CONVEYANCE OF THE CONTRACTS AND THE COLLATERAL SECURITY ...........3
   SECTION 2.1    Conveyance of the Contracts and the Collateral Security ....3
   SECTION 2.2    Purchase Price of Contracts ................................3

ARTICLE III REPRESENTATIONS AND WARRANTIES ...................................3
   SECTION 3.1    Representations and Warranties of Seller ...................3
   SECTION 3.2    Representations and Warranties of CFSC .....................5

ARTICLE IV COVENANTS OF THE SELLER ...........................................6
   SECTION 4.1    Transfer of Contracts ......................................6
   SECTION 4.2    Costs and Expenses .........................................7
   SECTION 4.3    Indemnification ............................................7
   SECTION 4.4    Financial Statement Disclosure .............................7

ARTICLE V REPURCHASES ........................................................7
   SECTION 5.1    Repurchase of Contracts Upon Breach of Warranty ............7
   SECTION 5.2    Reassignment of Purchased Contracts ........................8
   SECTION 5.3    Waivers ....................................................8

ARTICLE VI MISCELLANEOUS .....................................................9
   SECTION 6.1    Liability of Seller ........................................9
   SECTION 6.2    Merger or Consolidation of Seller or CFSC ..................9
   SECTION 6.3    Limitation on Liability of Seller and Others ...............9
   SECTION 6.4    Amendment ..................................................9
   SECTION 6.5    Notices ...................................................10
   SECTION 6.6    Merger and Integration ....................................10
   SECTION 6.7    Severability of Provisions ................................11
   SECTION 6.8    Intention of the Parties ..................................11
   SECTION 6.9    Governing Law .............................................11
   SECTION 6.10   Counterparts ..............................................11
   SECTION 6.11   Conveyance of the Contracts and the Collateral
                    Security to the Trust ...................................11
   SECTION 6.12   Nonpetition Covenant ......................................12

<PAGE>

                               TRANSFER AGREEMENT

         THIS TRANSFER AGREEMENT, dated as of October 1, 2001, executed between
Conseco Finance Securitizations Corp., a Minnesota corporation, as purchaser
("CFSC"), and Conseco Finance Corp., a Delaware corporation, as seller
("Seller"),

                              W I T N E S S E T H:
                              --------------------

         WHEREAS, CFSC has agreed to purchase from Seller and Seller, pursuant
to this Agreement, is transferring to CFSC those retail installment sales
contracts and promissory notes for the purchase of a variety of consumer
products (collectively, the "Products") specified in the Schedule of Contracts
attached hereto as Schedule A (the "Contracts") and the Collateral Security.

         NOW, THEREFORE, in consideration of the premises and the mutual
agreements hereinafter contained, and for other good and valuable consideration,
the receipt of which is acknowledged, CFSC and Seller, intending to be legally
bound, hereby agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

         Section 1.1 General. The specific terms defined in this Article include
the plural as well as the singular. The words "herein," "hereof" and "hereunder"
and other words of similar import refer to this Agreement as a whole and not to
any particular Article, Section or other subdivision, and Article, Section,
Schedule and Exhibit references, unless otherwise specified, refer to Articles
and Sections of and Schedules and Exhibits to this Agreement. Capitalized terms
used herein without definition shall have the respective meanings assigned to
such terms in the Sale and Servicing Agreement, dated as of October 1, 2001, by
and among Conseco Finance Securitizations Corp. (as Seller), Conseco Finance
Corp. (as Originator and Servicer), and Conseco Finance Recreational Enthusiast
Consumer Trust 2001-A (as Issuer) (the "Trust").

         Section 1.2 Specific Terms. Whenever used in this Agreement, the
following words and phrases, unless the context otherwise requires, shall have
the following meanings:

         "Agreement" shall mean this Transfer Agreement and all amendments
hereof and supplements hereto.

         "Closing Date" means October 30, 2001.

         "Collateral Security" means, with respect to any Contract, (i) the
security interests granted by or on behalf of the related Obligor with respect
thereto, including a first priority perfected security interest in the related
Product, (ii) all other security interests or liens and property subject thereto
from time to time purporting to secure payment of such Contract, whether
pursuant to the agreement giving rise to such Contract or otherwise, together
with all financing statements signed by the Obligor describing any collateral
securing such Contract, (iii) all security agreements granting a security
interest in the related Product and all guarantees, insurance and other
agreements or arrangements of whatever character from time to time

<PAGE>

supporting or securing payment of such Contract whether pursuant to the
agreement giving rise to such Contract or otherwise, and (iv) all records in
respect of such Contract.

         "Contracts" means the Contracts listed on the Schedule of Contracts
attached hereto as Schedule A.

         "Indenture Trustee" means U.S. Bank Trust National Association, a
national banking association organized under the laws of the United States, as
Indenture Trustee under the Indenture and not in its individual capacity, or any
successor Indenture Trustee under the Indenture.

         "Owner Trustee" means Wilmington Trust Company, a Delaware banking
corporation, not in its individual capacity but solely as trustee of the Trust,
and any successor trustee appointed and acting pursuant to the Trust Agreement.

         "Related Documents" means the Notes, the Certificates, the Sale and
Servicing Agreement, the Trust Agreement, the Indenture and the Underwriting
Agreement among Seller, CFSC and the underwriters of the Notes. The Related
Documents to be executed by any party are referred to herein as "such party's
Related Documents," "its Related Documents" or by a similar expression.

         "Repurchase Event" means the occurrence of a breach of any of Seller's
representations and warranties hereunder or any other event which requires the
repurchase of a Contract by Seller under the Sale and Servicing Agreement.

         "Sale and Servicing Agreement" means the Sale and Servicing Agreement,
dated as of October 1, 2001, executed and delivered by Conseco Finance Corp., as
Originator and Servicer, Conseco Finance Securitizations Corp., as Seller, and
the Trust.

         "Schedule of Contracts" means the schedule of all Contracts sold and
transferred pursuant to this Agreement which is attached hereto as Schedule A.

         "Trust" means the trust created by the Trust Agreement, the estate of
which consists of the Trust Property.

         "Trust Property" means the property and proceeds of every description
conveyed by CFSC to the Trust pursuant to the Sale and Servicing Agreement,
together with the Trust Accounts (including all Eligible Investments therein and
all proceeds therefrom).

         Section 1.3 Usage of Terms. With respect to all terms used in this
Agreement, the singular includes the plural and the plural the singular; words
importing any gender include the other gender; references to "writing" include
printing, typing, lithography, and other means of reproducing words in a visible
form; references to agreements and other contractual instruments include all
subsequent amendments thereto or changes therein entered into in accordance with
their respective terms and not prohibited by this Agreement, or the Sale and
Servicing Agreement, the Trust Agreement or the Indenture; references to Persons
include their permitted successors and assigns; and the terms "include" or
"including" mean "include without limitation" or "including without limitation."

                                       2

<PAGE>

         Section 1.4 No Recourse. Without limiting the obligations of Seller
hereunder, no recourse may be taken, directly or indirectly, under this
Agreement or any certificate or other writing delivered in connection herewith
or therewith, against any stockholder, officer or director, as such, of Seller,
or of any predecessor or successor of Seller.

                                   ARTICLE II
                           CONVEYANCE OF THE CONTRACTS
                           AND THE COLLATERAL SECURITY

         Section 2.1 Conveyance of the Contracts and the Collateral Security.
Subject to the terms and conditions of this Agreement, Seller hereby sells,
transfers, assigns, and otherwise conveys to CFSC without recourse (but without
limitation of its obligations in this Agreement or in the Sale and Servicing
Agreement), and CFSC hereby purchases, all right, title and interest of Seller
in and to the Contracts and the Collateral Security.

         Section 2.2 Purchase Price of Contracts. Simultaneously with the
conveyance of the Contracts and the Collateral Security to CFSC, CFSC has paid
or caused to be paid to or upon the order of Seller approximately
$_______________ by wire transfer of immediately available funds (representing
the proceeds to CFSC from the sale of the Contracts after deducting expenses of
$425,000.00 incurred by CFSC in connection with such sale.

                                  ARTICLE III
                         REPRESENTATIONS AND WARRANTIES

         Section 3.1 Representations and Warranties of Seller. Seller makes the
following representations and warranties, on which CFSC relies in purchasing the
Contracts and the Collateral Security and in transferring the Contracts and the
Collateral Security to the Trust under the Sale and Servicing Agreement. Such
representations are made as of the execution and delivery of this Agreement, but
shall survive the sale, transfer and assignment of the Contracts and the
Collateral Security hereunder and the sale, transfer and assignment thereof by
CFSC to the Trust under the Sale and Servicing Agreement and the pledge thereof
by the Trust to the Indenture Trustee under the Indenture. Seller and CFSC agree
that CFSC will assign to the Trust all of CFSC's rights under this Agreement and
that the Trust will thereafter be entitled to enforce this Agreement against
Seller in the Trust's own name.

                  (a) Representations Regarding Contracts. The representations
         and warranties set forth in Sections 3.02, 3.03 and 3.04 of the Sale
         and Servicing Agreement are true and correct.

                  (b) Organization and Good Standing. The Seller has been duly
         organized and is validly existing as a corporation in good standing
         under the laws of the State of Delaware, with power and authority to
         own its properties and to conduct its business as such properties are
         currently owned and such business is currently conducted, and had at
         all relevant times, and now has, power, authority and legal right to
         acquire, own and sell the Contracts and the Collateral Security
         transferred to CFSC.

                  (c) Due Qualification. The Seller is duly qualified to do
         business as a foreign corporation in good standing, and has obtained
         all necessary licenses and approvals, in all

                                       3

<PAGE>

         jurisdictions in which the ownership or lease of its property or the
         conduct of its business requires such qualification.

                  (d) Power and Authority. The Seller has the power and
         authority to execute and deliver this Agreement and its Related
         Documents and to carry out its terms and their terms, respectively;
         Seller has full power and authority to sell and assign the Contracts
         and the Collateral Security to be sold and assigned to and deposited
         with CFSC hereunder and has duly authorized such sale and assignment to
         CFSC by all necessary corporate action; and the execution, delivery and
         performance of this Agreement and Seller's Related Documents have been
         duly authorized by Seller by all necessary corporate action.

                  (e) Valid Sale; Binding Obligations. This Agreement and
         Seller's Related Documents have been duly executed and delivered, shall
         effect a valid sale, transfer and assignment of the Contracts and the
         Collateral Security, enforceable against Seller and creditors of and
         purchasers from Seller; and this Agreement and Seller's Related
         Documents constitute legal, valid and binding obligations of Seller
         enforceable in accordance with their respective terms, except as
         enforceability may be limited by bankruptcy, insolvency, reorganization
         or other similar laws affecting the enforcement of creditors' rights
         generally and by equitable limitations on the availability of specific
         remedies, regardless of whether such enforceability is considered in a
         proceeding in equity or at law.

                  (f) No Violation. The consummation of the transactions
         contemplated by this Agreement and the Related Documents and the
         fulfillment of the terms of this Agreement and the Related Documents
         shall not conflict with, result in any breach of any of the terms and
         provisions of or constitute (with or without notice, lapse of time or
         both) a default under, the certificate of incorporation or bylaws of
         Seller, or any indenture, agreement, mortgage, deed of trust or other
         instrument to which Seller is a party or by which it is bound, or
         result in the creation or imposition of any Lien upon any of its
         properties pursuant to the terms of any such indenture, agreement,
         mortgage, deed of trust or other instrument, other than this Agreement
         and the Sale and Servicing Agreement and the Indenture, or violate any
         law, order, rule or regulation applicable to Seller of any court or of
         any federal or state regulatory body, administrative agency or other
         governmental instrumentality having jurisdiction over Seller or any of
         its properties.

                  (g) No Proceedings. There are no proceedings or investigations
         pending or, to Seller's knowledge, threatened against Seller, before
         any court, regulatory body, administrative agency or other tribunal or
         governmental instrumentality having jurisdiction over Seller or its
         properties (i) asserting the invalidity of this Agreement or any of the
         Related Documents, (ii) seeking to prevent the issuance of the Notes or
         the Certificates or the consummation of any of the transactions
         contemplated by this Agreement or any of the Related Documents, (iii)
         seeking any determination or ruling that might materially and adversely
         affect the performance by Seller of its obligations under, or the
         validity or enforceability of, this Agreement or any of the Related
         Documents or (iv) seeking to affect adversely the federal income tax or
         other federal, state or local tax attributes of, or seeking to impose
         any excise, franchise, transfer or

                                       4

<PAGE>

         similar tax upon, the transfer and acquisition of the Contracts and the
         Collateral Security hereunder or under the Sale and Servicing Agreement
         or pledged under the Indenture.

                  (h) Location. The Seller is a Delaware corporation. The chief
         executive office of Seller is located at 1100 Landmark Towers, 345 St.
         Peter Street, Saint Paul, Minnesota 55102-1639.

         Section 3.2 Representations and Warranties of CFSC. CFSC makes the
following representations and warranties, on which Seller relies in selling,
assigning, transferring and conveying the Contracts and the Collateral Security
to CFSC hereunder. Such representations are made as of the execution and
delivery of this Agreement, but shall survive the sale, transfer and assignment
of the Contracts and the Collateral Security hereunder and the sale, transfer
and assignment thereof by CFSC to the Trust under the Sale and Servicing
Agreement and the pledge thereof under the Indenture.

                  (a) Organization and Good Standing. CFSC has been duly
         organized and is validly existing and in good standing as a corporation
         under the laws of the State of Minnesota, with the power and authority
         to own its properties and to conduct its business as such properties
         are currently owned and such business is currently conducted, and had
         at all relevant times, and has, full power, authority and legal right
         to acquire and own the Contracts and the Collateral Security and to
         transfer the Contracts and the Collateral Security to the Trust
         pursuant to the Sale and Servicing Agreement.

                  (b) Due Qualification. CFSC is duly qualified to do business
         as a foreign corporation in good standing, and has obtained all
         necessary licenses and approvals in all jurisdictions where the failure
         to do so would materially and adversely affect (i) CFSC's ability to
         acquire the Contracts or the Collateral Security, (ii) the validity or
         enforceability of the Contracts and the Collateral Security or (iii)
         CFSC's ability to perform its obligations hereunder and under the
         Related Documents.

                  (c) Power and Authority. CFSC has the power, authority and
         legal right to execute and deliver this Agreement and its Related
         Documents and to carry out the terms hereof and thereof and to acquire
         the Contracts and the Collateral Security hereunder; and the execution,
         delivery and performance of this Agreement and its Related Documents
         and all of the documents required pursuant hereto or thereto have been
         duly authorized by CFSC by all necessary action.

                  (d) No Consent Required. CFSC is not required to obtain the
         consent of any other Person, or any consent, license, approval or
         authorization or registration or declaration with, any governmental
         authority, bureau or agency in connection with the execution, delivery
         or performance of this Agreement and the Related Documents, except for
         such as have been obtained, effected or made.

                  (e) Binding Obligation. This Agreement and each of its Related
         Documents constitutes a legal, valid and binding obligation of CFSC,
         enforceable against CFSC in accordance with its terms, subject, as to
         enforceability, to applicable bankruptcy, insolvency, reorganization,
         conservatorship, receivership, liquidation and other similar laws and
         to general equitable principles.

                                       5

<PAGE>

                  (f) No Violation. The execution, delivery and performance by
         CFSC of this Agreement, the consummation of the transactions
         contemplated by this Agreement and the Related Documents and the
         fulfillment of the terms of this Agreement and the Related Documents do
         not and will not conflict with, result in any breach of any of the
         terms and provisions of or constitute (with or without notice or lapse
         of time) a default under the articles of incorporation or bylaws of
         CFSC, or conflict with or breach any of the terms or provisions of, or
         constitute (with or without notice or lapse of time) a default under,
         any indenture, agreement, mortgage, deed of trust or other instrument
         to which CFSC is a party or by which CFSC is bound or to which any of
         its properties are subject, or result in the creation or imposition of
         any Lien upon any of its properties pursuant to the terms of any such
         indenture, agreement, mortgage, deed of trust or other instrument
         (other than the Sale and Servicing Agreement and the Indenture), or
         violate any law, order, rule or regulation, applicable to CFSC or its
         properties, of any federal or state regulatory body or any court,
         administrative agency, or other governmental instrumentality having
         jurisdiction over CFSC or any of its properties.

                  (g) No Proceedings. There are no proceedings or investigations
         pending, or, to the knowledge of CFSC, threatened against CFSC, before
         any court, regulatory body, administrative agency, or other tribunal or
         governmental instrumentality having jurisdiction over CFSC or its
         properties: (i) asserting the invalidity of this Agreement or any of
         the Related Documents, (ii) seeking to prevent the consummation of any
         of the transactions contemplated by this Agreement or any of the
         Related Documents, (iii) seeking any determination or ruling that might
         materially and adversely affect the performance by CFSC of its
         obligations under, or the validity or enforceability of, this Agreement
         or any of the Related Documents or (iv) that may adversely affect the
         federal or state income tax attributes of, or seeking to impose any
         excise, franchise, transfer or similar tax upon, the transfer and
         acquisition of the Contracts and the Collateral Security hereunder or
         the transfer of the Contracts and the Collateral Security to the Trust
         pursuant to the Sale and Servicing Agreement or pledged under the
         Indenture.

In the event of any breach of a representation and warranty made by CFSC
hereunder, Seller covenants and agrees that it will not take any action to
pursue any remedy that it may have hereunder, in law, in equity or otherwise,
until a year and a day have passed since the date on which all Notes,
Certificates or other similar securities issued by the Trust, or a trust or
similar vehicle formed by CFSC, have been paid in full. Seller and CFSC agree
that damages will not be an adequate remedy for such breach and that this
covenant may be specifically enforced by CFSC or by the Owner Trustee on behalf
of the Trust.

                                   ARTICLE IV
                             COVENANTS OF THE SELLER

         Section 4.1 Transfer of Contracts. Seller has filed a form UCC-1
financing statement regarding the sale of the Contracts to CFSC, and shall file
continuation statements in respect of such UCC-1 financing statement as if such
financing statement were necessary to perfect such sale. Seller shall take any
other actions necessary to maintain the perfection of the sale of the Contracts
to CFSC.

                                       6

<PAGE>

         Section 4.2 Costs and Expenses. The Seller shall pay all reasonable
costs and disbursements in connection with the performance of its obligations
hereunder and under each Subsequent Transfer Agreement and its Related
Documents.

         Section 4.3 Indemnification.

                  (a) Seller will defend and indemnify CFSC against any and all
         costs, expenses, losses, damages, claims and liabilities, including
         reasonable fees and expenses of counsel and expenses of litigation
         arising out of or resulting from the use or ownership of any Product
         related to a Contract by Seller or the Servicer or any Affiliate of
         either. Notwithstanding any other provision of this Agreement, the
         obligation of Seller under this Section shall not terminate upon a
         Service Transfer pursuant to Article VII of the Sale and Servicing
         Agreement, except that the obligation of Seller under this Section 4.3
         shall not relate to the actions of any subsequent Servicer after a
         Service Transfer.

                  (b) No obligation or liability to any Obligor under any of the
         Contracts is intended to be assumed by CFSC under or as a result of
         this Agreement and the transactions contemplated hereby and, to the
         maximum extent permitted and valid under mandatory provisions of law,
         CFSC expressly disclaims such assumption.

                  (c) Seller agrees to pay, and to indemnify, defend and hold
         harmless CFSC from, any taxes which may at any time be asserted with
         respect to, and as of the date of, the transfer of the Contracts to
         CFSC, including, without limitation, any sales, gross receipts, general
         corporation, personal property, privilege or license taxes and costs,
         expenses and reasonable counsel fees in defending against the same,
         whether arising by reason of the acts to be performed by Seller under
         this Agreement or imposed against CFSC.

                  (d) Indemnification under this Section 4.3 shall include,
         without limitation, reasonable fees and expenses of counsel and
         expenses of litigation. If the Originator has made any indemnity
         payments to CFSC pursuant to this Section 4.3 and CFSC thereafter
         collects any of such amounts from others, CFSC will repay such amounts
         collected to Seller, as the case may be, without interest.

         Section 4.4 Financial Statement Disclosure. Conseco Finance's financial
statements will disclose that the Contracts have been transferred by Conseco
Finance to Conseco Securitizations, and by Conseco Securitizations to the Trust,
and are not available to satisfy claims of Conseco Finance's creditors.

                                    ARTICLE V
                                   REPURCHASES

         Section 5.1 Repurchase of Contracts Upon Breach of Warranty.

                  (a) Upon the occurrence of a Repurchase Event, Seller shall,
         unless such breach shall have been cured in all material respects,
         repurchase such Contract from the Trust pursuant to Section 3.05 of the
         Sale and Servicing Agreement. It is understood and agreed that the
         obligation of Seller to repurchase any Contract as to which a breach
         has

                                       7

<PAGE>

         occurred and is continuing and the indemnity obligations relating
         thereto shall, if such obligation is fulfilled, constitute the only
         remedies against Seller for such breach available to CFSC, the
         Noteholders, the Indenture Trustee on behalf of the Noteholders, the
         Certificateholders or the Owner Trustee on behalf of the
         Certificateholders. The provisions of this Section 5.1 are intended to
         grant the Owner Trustee and the Indenture Trustee a direct right
         against Seller to demand performance hereunder, and in connection
         therewith, Seller waives any requirement of prior demand against CFSC
         with respect to such repurchase obligation. Any such purchase shall
         take place in the manner specified in Section 3.06 of the Sale and
         Servicing Agreement. Notwithstanding any other provision of this
         Agreement or the Sale and Servicing Agreement to the contrary, the
         obligation of Seller under this Section shall not terminate upon a
         termination of Seller as Servicer under the Sale and Servicing
         Agreement and shall be performed in accordance with the terms hereof
         notwithstanding the failure of the Servicer or CFSC to perform any of
         their respective obligations with respect to such Loan under the Sale
         and Servicing Agreement.

                  (b) In addition to the foregoing and notwithstanding whether
         the related Contract shall have been purchased by Seller, Seller shall
         indemnify the Owner Trustee, the Trust, the Indenture Trustee, the
         Noteholders and the Certificateholders against all costs, expenses,
         losses, damages, claims and liabilities, including reasonable fees and
         expenses of counsel, which may be asserted against or incurred by any
         of them as a result of third party claims arising out of the events or
         facts giving rise to such Repurchase Events.

         Section 5.2 Reassignment of Purchased Contracts. Upon deposit of the
Repurchase Price of any Contract repurchased or replaced by Seller under Section
5.1, CFSC shall cause the Owner Trustee and the Indenture Trustee to take such
steps as may be reasonably requested by Seller in order to assign to Seller all
of CFSC's and the Trust's right, title and interest in and to such Contract and
all security and documents and all Collateral Security conveyed to CFSC and the
Trust directly relating thereto, without recourse, representation or warranty,
except as to the absence of liens, charges or encumbrances created by or arising
as a result of actions of CFSC, the Owner Trustee or the Indenture Trustee. Such
assignment shall be a sale and assignment outright, and not for security. If,
following the reassignment of a Contract, in any enforcement suit or legal
proceeding, it is held that Seller may not enforce any such Contract on the
ground that it shall not be a real party in interest or a holder entitled to
enforce the Contract, CFSC and the Owner Trustee shall, at the expense of
Seller, take such steps as Seller deems reasonably necessary to enforce the
Contract, including bringing suit in CFSC's or the Owner Trustee's name.

         Section 5.3 Waivers. No failure or delay on the part of CFSC, or the
Owner Trustee as assignee of CFSC, in exercising any power, right or remedy
under this Agreement or under any Subsequent Transfer Agreement shall operate as
a waiver thereof, nor shall any single or partial exercise of any such power,
right or remedy preclude any other or future exercise thereof or the exercise of
any other power, right or remedy.

                                       8

<PAGE>

                                   ARTICLE VI
                                  MISCELLANEOUS

         Section 6.1 Liability of Seller. Seller shall be liable in accordance
herewith only to the extent of the obligations in this Agreement or in any
Subsequent Transfer Agreement specifically undertaken by Seller and the
representations and warranties of Seller.

         Section 6.2 Merger or Consolidation of Seller or CFSC. Any corporation
or other entity (i) into which Seller or CFSC may be merged or consolidated,
(ii) resulting from any merger or consolidation to which Seller or CFSC is a
party or (iii) succeeding to the business of Seller or CFSC, in the case of
CFSC, which corporation has articles of incorporation containing provisions
relating to limitations on business and other matters substantively identical to
those contained in CFSC's articles of incorporation, provided that in any of the
foregoing cases such corporation shall execute an agreement of assumption to
perform every obligation of Seller or CFSC, as the case may be, under this
Agreement and, whether or not such assumption agreement is executed, shall be
the successor to Seller or CFSC, as the case may be, hereunder (without
relieving Seller or CFSC of its responsibilities hereunder, if it survives such
merger or consolidation) without the execution or filing of any document or any
further act by any of the parties to this Agreement. Seller or CFSC shall
promptly inform the other party and the Owner Trustee and the Indenture Trustee
of such merger, consolidation or purchase and assumption. Notwithstanding the
foregoing, as a condition to the consummation of the transactions referred to in
clauses (i), (ii) and (iii) above, (x) immediately after giving effect to such
transaction, no representation or warranty made pursuant to Sections 3.1 and 3.2
and this Agreement shall have been breached (for purposes hereof, such
representations and warranties shall speak as of the date of the consummation of
such transaction), (y) Seller or CFSC, as applicable, shall have delivered
written notice of such consolidation, merger or purchase and assumption to the
Rating Agencies prior to the consummation of such transaction and shall have
delivered to the Owner Trustee and the Indenture Trustee an Officer's
Certificate and an Opinion of Counsel each stating that such consolidation,
merger or succession and such agreement of assumption comply with this Section
6.3 and that all conditions precedent, if any, provided for in this Agreement
relating to such transaction have been complied with, and (z) Seller or CFSC, as
applicable, shall have delivered to the Owner Trustee and the Indenture Trustee
an Opinion of Counsel, stating that, in the opinion of such counsel, either (A)
all financing statements and continuation statements and amendments thereto have
been executed and filed that are necessary to preserve and protect the interest
of the Owner Trustee and the Indenture Trustee in the Trust Property and
reciting the details of the filings or (B) no such action shall be necessary to
preserve and protect such interest.

         Section 6.3 Limitation on Liability of Seller and Others. Seller shall
not be under any obligation to appear in, prosecute or defend any legal action
that is not incidental to its obligations under this Agreement or its Related
Documents and that in its opinion may involve it in any expense or liability.

         Section 6.4 Amendment.

                  (a) This Agreement may be amended by Seller and CFSC and
         without the consent of the Owner Trustee, the Indenture Trustee, or any
         of the Noteholders or Certificateholders (i) to cure any ambiguity or
         (ii) to correct any provisions in this

                                       9

<PAGE>

         Agreement; provided, however, that such action shall not, as evidenced
         by an Opinion of Counsel delivered to the Owner Trustee and the
         Indenture Trustee, adversely affect in any material respect the
         interests of any Noteholder or Certificateholder.

                  (b) This Agreement may also be amended from time to time by
         Seller and CFSC, with the prior written consent of the Owner Trustee,
         the Indenture Trustee, a Certificate Majority and the Controlling
         Noteholders, for the purpose of adding any provisions to or changing in
         any manner or eliminating any of the provisions of this Agreement, or
         of modifying in any manner the rights of the Noteholders or
         Certificateholders; provided, however, that no such amendment shall (i)
         increase or reduce in any manner the amount of, or accelerate or delay
         the timing of, collections of payments on the Contracts or,
         distributions that are required to be made on any Note or Certificate
         or (ii) reduce the aforesaid percentage required to consent to any such
         amendment or any waiver hereunder, without the consent of the Holders
         of all Notes and Certificates then outstanding.

                  (c) Concurrently with the solicitation of any consent pursuant
         to this Section 6.4, CFSC shall furnish written notification to the
         Rating Agencies. Promptly after the execution of any amendment or
         consent pursuant to this Section 6.4, CFSC shall furnish written
         notification of the substance of such amendment to the Rating Agencies,
         each Noteholder and Certificateholder.

                  (d) It shall not be necessary for the consent of Noteholders
         and Certificateholders pursuant to this Section to approve the
         particular form of any proposed amendment or consent, but it shall be
         sufficient if such consent shall approve the substance thereof. The
         manner of obtaining such consents and of evidencing the authorization
         of the execution thereof by Noteholders and Certificateholders shall be
         subject to such reasonable requirements as the Owner Trustee or
         Indenture Trustee, as applicable, may prescribe, including the
         establishment of record dates. The consent of any Holder of a Note or a
         Certificate given pursuant to this Section or pursuant to any other
         provision of this Agreement shall be conclusive and binding on such
         Holder and on all future Holders of such Note or Certificate and of any
         Note or Certificate issued upon the transfer thereof or in exchange
         thereof or in lieu thereof whether or not notation of such consent is
         made upon the Note or Certificate.

         Section 6.5 Notices. All demands, notices and communications to the
Seller or CFSC hereunder shall be in writing, personally delivered, or sent by
telecopier (subsequently confirmed in writing), reputable overnight courier or
mailed by certified mail, return receipt requested, and shall be deemed to have
been given upon receipt (a) in the case of Seller, to Conseco Finance Corp.,
1100 Landmark Towers, 345 St. Peter Street, Saint Paul, Minnesota 55102-1639,
Attention: Chief Financial Officer, or such other address as shall be designated
by Seller in a written notice delivered to the other party or to the Owner
Trustee or Indenture Trustee, as applicable, or (b) in case of CFSC, to Conseco
Finance Securitizations Corp., 300 Landmark Towers, 345 St. Peter Street, Saint
Paul, Minnesota 55102-1639, Attention: Chief Financial Officer.

         Section 6.6 Merger and Integration. Except as specifically stated
otherwise herein, this Agreement and the Related Documents set forth the entire
understanding of the

                                       10

<PAGE>

parties relating to the subject matter hereof, and all prior understandings,
written or oral, are superseded by this Agreement and the Related Documents.
This Agreement may not be modified, amended, waived or supplemented except as
provided herein.

         Section 6.7 Severability of Provisions. If any one or more of the
covenants, provisions or terms of this Agreement shall be for any reason
whatsoever held invalid, then such covenants, provisions or terms shall be
deemed severable from the remaining covenants, provisions or terms of this
Agreement and shall in no way affect the validity or enforceability of the other
provisions of this Agreement.

         Section 6.8 Intention of the Parties. The execution and delivery of
this Agreement shall constitute an acknowledgment by Seller and CFSC that they
intend that each assignment and transfer herein and therein contemplated
constitute a sale and assignment outright, and not for security, of the
Contracts and the Collateral Security, as the case may be, conveying good title
thereto free and clear of any Liens, from Seller to CFSC, and that the Contracts
and the Collateral Security shall not be a part of Seller's estate in the event
of the bankruptcy, reorganization, arrangement, insolvency or liquidation
proceeding, or other proceeding under any federal or state bankruptcy or similar
law, or the occurrence of another similar event, of, or with respect to, Seller.
In the event that such conveyance is determined to be made as security for a
loan made by CFSC, the Trust or the Certificateholders to Seller, the parties
intend that Seller shall have granted to CFSC a security interest in all of
Seller's right, title and interest in and to the Contracts and the Collateral
Security, as the case may be, conveyed pursuant to Section 2.1 hereof or
pursuant to any Subsequent Transfer Agreement, and that this Agreement and each
Subsequent Transfer Agreement shall constitute a security agreement under
applicable law.

         Section 6.9 Governing Law. This Agreement shall be construed in
accordance with, the laws of the State of Minnesota without regard to the
principles of conflicts of laws thereof, and the obligations, rights and
remedies of the parties under this Agreement shall be determined in accordance
with such laws.

         Section 6.10 Counterparts. For the purpose of facilitating the
execution of this Agreement and for other purposes, this Agreement may be
executed simultaneously in any number of counterparts, each of which
counterparts shall be deemed to be an original, and all of which counterparts
shall constitute but one and the same instrument.

         Section 6.11 Conveyance of the Contracts and the Collateral Security to
the Trust. Seller acknowledges that CFSC intends, pursuant to the Sale and
Servicing Agreement, to convey the Contracts and the Collateral Security,
together with its rights under this Agreement, to the Trust on the date hereof.
Seller acknowledges and consents to such conveyance and waives any further
notice thereof and covenants and agrees that the representations and warranties
of Seller contained in this Agreement and the rights of CFSC hereunder are
intended to benefit the Owner Trustee, the Trust, the Indenture Trustee and the
Noteholders and Certificateholders. In furtherance of the foregoing, Seller
covenants and agrees to perform its duties and obligations hereunder, in
accordance with the terms hereof for the benefit of the Owner Trustee, the
Trust, the Indenture Trustee and the Noteholders and Certificateholders and
that, notwithstanding anything to the contrary in this Agreement, Seller shall
be directly liable to the Indenture Trustee, Owner Trustee and the Trust
(notwithstanding any failure by the Servicer

                                       11

<PAGE>

or CFSC to perform its duties and obligations hereunder or under the Sale and
Servicing Agreement) and that the Owner Trustee or the Indenture Trustee may
enforce the duties and obligations of Seller under this Agreement against Seller
for the benefit of the Trust, the Noteholders and the Certificateholders.

         Section 6.12 Nonpetition Covenant. Neither CFSC nor Seller shall
petition or otherwise invoke the process of any court or government authority
for the purpose of commencing or sustaining a case against the Trust (or, in the
case of Seller, against CFSC) under any federal or state bankruptcy, insolvency
or similar law or appointing a receiver, liquidator, assignee, trustee,
custodian, sequestrator or other similar official of the Trust (or CFSC) or any
substantial part of its property, or ordering the winding up or liquidation of
the affairs of the Trust (or CFSC).

                                       12

<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Transfer Agreement to
be duly executed by their respective officers as of the day and year first above
written.

                                  CONSECO FINANCE SECURITIZATIONS
                                  CORP., as Purchaser

                                  By  /s/ Timothy R. Jacobson
                                      ---------------------------------------
                                      Name:  Timothy R. Jacobson
                                      Title: Vice President and Treasurer

                                  CONSECO FINANCE CORP., as Seller

                                  By  /s/ Timothy R. Jacobson
                                      ---------------------------------------
                                      Name:  Timothy R. Jacobson
                                      Title: Vice President and Treasurer

<PAGE>

                                   SCHEDULE A

                              SCHEDULE OF CONTRACTS

  [Delivered pursuant to Section 2.02(c) of the Sale and Servicing Agreement]<PAGE>

                                                                     EXHIBIT 4.5

          CONSECO FINANCE RECREATIONAL ENTHUSIAST CONSUMER TRUST 2001-A

                            ADMINISTRATION AGREEMENT

                                      among

          CONSECO FINANCE RECREATIONAL ENTHUSIAST CONSUMER TRUST 2000-A

                                    as Issuer

                                       and

                      CONSECO FINANCE SERVICING CORPORATION

                                as Administrator

                                       and

                      U.S. BANK TRUST NATIONAL ASSOCIATION
         not in its individual capacity but solely as Indenture Trustee

                           Dated as of October 1, 2001

<PAGE>

         This ADMINISTRATION AGREEMENT dated as of October 1, 2001 (this
"Agreement"), among Conseco Finance Recreational Enthusiast Consumer Trust
2001-A, a Delaware business trust (the "Issuer"), Conseco Finance Servicing
Corporation, a Delaware corporation, as administrator (the "Administrator"), and
U.S. Bank Trust National Association, a national banking association, not in its
individual capacity but solely as Indenture Trustee (the "Indenture Trustee").

                                   WITNESSETH:

         WHEREAS, the Issuer is issuing eight classes of Asset-Backed Notes
(collectively, the "Notes"), pursuant to the Indenture dated as of October 1,
2001 (as amended and supplemented from time to time, the "Indenture"), between
the Issuer and the Indenture Trustee, and the Issuer is issuing a single class
of Asset-Backed Certificates (the "Certificates") pursuant to the Trust
Agreement, dated as of October 1, 2001 (as amended and supplemented from time to
time, the "Trust Agreement"), among Wilmington Trust Company, as owner trustee
(the "Owner Trustee"), Conseco Finance Securitizations Corp., as depositor
(capitalized terms used and not otherwise defined herein shall have the meanings
assigned to such terms in the Trust Agreement or the Indenture);

         WHEREAS, the Issuer has entered into certain agreements in connection
with the issuance of the Notes and the Certificates including: (i) the Trust
Agreement, (ii) a Sale and Servicing Agreement dated as of October 1, 2001 (as
amended and supplemented from time to time, the "Sale and Servicing Agreement"),
among the Issuer, Conseco Finance Corp., a Delaware corporation, as Originator
(in such capacity, the "Originator") and Servicer (in such capacity, the
"Servicer") and Conseco Finance Securitizations Corp., as Seller (in such
capacity, the "Seller"), (iii) a Letter of Representations dated October 1, 2001
(as amended and supplemented from time to time, the "Note Depository
Agreement"), among the Issuer, the Indenture Trustee, the Administrator and The
Depository Trust Company ("DTC") relating to the Notes; (iv) the Indenture (the
Trust Agreement, the Sale and Servicing Agreement, the Note Depository Agreement
and the Indenture being referred to hereinafter collectively as the "Related
Agreements");

         WHEREAS, pursuant to the Related Agreements, the Issuer and the Owner
Trustee are required to perform certain duties in connection with (a) the Notes
and the collateral therefor pledged pursuant to the Indenture (the "Collateral")
and (b) the Certificates (the registered holders of such interests being
referred to herein as the "Owners");

         WHEREAS, the Issuer and the Owner Trustee desire to have the
Administrator perform certain of the duties of the Issuer and the Owner Trustee
referred to in the preceding clause and to provide such additional services
consistent with the terms of this Agreement and the Related Agreements as the
Issuer and the Owner Trustee may from time to time request; and

         WHEREAS, the Administrator has the capacity to provide the services
required hereby and is willing to perform such services for the Issuer and the
Owner Trustee on the terms set forth herein;

<PAGE>

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein, and other good and valuable consideration, the receipt and adequacy of
which are hereby acknowledged, the parties agree as follows:

         1.       Duties of the Administrator.

         (a)      Duties with Respect to the Note Depository Agreement and the
                  Indenture.

                  (i) The Administrator agrees to perform all its duties as
         Administrator and the duties of the Issuer and the Owner Trustee under
         the Note Depository Agreement. In addition, the Administrator shall
         consult with the Owner Trustee regarding the duties of the Issuer or
         the Owner Trustee under the Indenture and the Note Depository
         Agreement. The Administrator shall monitor the performance of the
         Issuer and shall advise the Owner Trustee when action is necessary to
         comply with the Issuer's or the Owner Trustee's duties under the
         Indenture and the Note Depository Agreement. The Administrator shall
         prepare for execution by the Issuer, or shall cause the preparation by
         other appropriate persons of, all such documents, reports, filings,
         instruments, certificates and opinions that it shall be the duty of the
         Issuer or the Owner Trustee to prepare, file or deliver pursuant to the
         Indenture and the Note Depository Agreement. In furtherance of the
         foregoing, the Administrator shall take all appropriate action that is
         the duty of the Issuer or the Owner Trustee to take pursuant to the
         Indenture including, without limitation, such of the foregoing as are
         required with respect to the following matters under the Indenture
         (references are to sections of the Indenture):

                  (A)      the duty to cause the Note Register to be kept and to
                           give the Indenture Trustee notice of any appointment
                           of a new Note Registrar and the location, or change
                           in location, of the Note Register (Section 2.04);

                  (B)      the notification of Noteholders of the final
                           principal payment on their Notes (Section 2.07(b));

                  (C)      the preparation of or obtaining of the documents and
                           instruments required for authentication of the Notes
                           and delivery of the same to the Indenture Trustee
                           (Section 2.02);

                  (D)      the preparation, obtaining or filing of the
                           instruments, opinions and certificates and other
                           documents required for the release of collateral
                           (Section 4.04);

                  (E)      the duty to cause newly appointed Paying Agents, if
                           any, to deliver to the Indenture Trustee the
                           instrument specified in the Indenture regarding funds
                           held in trust (Section 3.03);

                  (F)      the direction to the Indenture Trustee to deposit
                           moneys with Paying Agents, if any, other than the
                           Indenture Trustee (Section 3.03);

                  (G)      the obtaining and preservation of the Issuer's
                           qualification to do business in each jurisdiction in
                           which such qualification is or shall be necessary to

                                       2

<PAGE>

                           protect the validity and enforceability of the
                           Indenture, the Notes, the Indenture Collateral and
                           each other instrument and agreement included in the
                           Trust Estate (Section 3.04);

                  (H)      the preparation of all supplements and amendments to
                           the Indenture and all financing statements,
                           continuation statements, instruments of further
                           assurance and other instruments and the taking of
                           such other action as is necessary or advisable to
                           protect the Trust Estate (Section 3.05);

                  (I)      the delivery of the Opinion of Counsel on the Closing
                           Date and the annual delivery of Opinions of Counsel
                           as to the Trust Estate, and the annual delivery of
                           the Officer's Certificate and certain other
                           statements as to compliance with the Indenture
                           (Sections 3.06 and 3.09);

                  (J)      the identification to the Indenture Trustee in an
                           Officer's Certificate of a Person with whom the
                           Issuer has contracted to perform its duties under the
                           Indenture (Section 3.07(b));

                  (K)      the notification of the Indenture Trustee and the
                           Rating Agencies of an Event of Termination under the
                           Sale and Servicing Agreement and, if such an Event of
                           Termination arises from the failure of the Servicer
                           to perform any of its duties under the Sale and
                           Servicing Agreement with respect to the Contracts,
                           the taking of all reasonable steps available to
                           remedy such failure (Section 3.07(d));

                  (L)      the duty to cause the Servicer to fulfill its
                           obligations under the Sale and Servicing Agreement
                           (Section 3.14);

                  (M)      the preparation and obtaining of documents and
                           instruments required for the release of the Issuer
                           from its obligations under the Indenture (Section
                           3.11(b));

                  (N)      the delivery of written notice to the Indenture
                           Trustee and the Rating Agencies of each Event of
                           Default under the Indenture and each default by the
                           Servicer or the Seller under the Sale and Servicing
                           Agreement (Section 3.18);

                  (O)      the monitoring of the Issuer's obligations as to the
                           satisfaction and discharge of the Indenture and the
                           preparation of an Officer's Certificate and the
                           obtaining of the Opinion of Counsel and (if required)
                           the Independent Certificate relating thereto (Section
                           4.01);

                  (P)      the compliance with any written directive of the
                           Indenture Trustee with respect to the sale of the
                           Trust Estate in a commercially reasonable manner if
                           an Event of Default shall have occurred and be
                           continuing (Section 5.04);

                                       3

<PAGE>

                  (Q)      the preparation and delivery of notice to Noteholders
                           of the removal of the Indenture Trustee and the
                           appointment of a successor Indenture Trustee (Section
                           6.08);

                  (R)      the preparation of any written instruments required
                           to confirm more fully the authority of any co-trustee
                           or separate trustee and any written instruments
                           necessary in connection with the resignation or
                           removal of any co-trustee or separate trustee
                           (Sections 6.08 and 6.10);

                  (S)      the furnishing of the Indenture Trustee with the
                           names and addresses of Noteholders during any period
                           when the Indenture Trustee is not the Note Registrar
                           (Section 7.01);

                  (T)      the preparation and, after execution by the Issuer,
                           the filing with the Commission, any applicable state
                           agencies and the Indenture Trustee of documents
                           required to be filed on a periodic basis with, and
                           summaries thereof as may be required by rules and
                           regulations prescribed by, the Commission and any
                           applicable state agencies and the transmission of
                           such summaries, as necessary, to the Noteholders
                           (Section 7.03);

                  (U)      the opening of one or more accounts in the Issuer's
                           name, the preparation and delivery of Issuer Orders,
                           Officer's Certificates and Opinions of Counsel and
                           all other actions necessary with respect to
                           investment and reinvestment of funds in the Trust
                           Accounts (Sections 8.02 and 8.03);

                  (V)      the preparation of Issuer Orders and the obtaining of
                           Opinions of Counsel with respect to the execution of
                           supplemental indentures and the mailing to the
                           Noteholders of notices with respect to such
                           supplemental indentures (Sections 9.01, 9.02 and
                           9.03);

                  (W)      the execution and delivery of new Notes conforming to
                           any supplemental Indenture (Section 9.06);

                  (X)      the duty to notify Noteholders of redemption of the
                           Notes or to cause the Indenture Trustee to provide
                           such notification (Section 10.02);

                  (Y)      the preparation and delivery of all Officer's
                           Certificates, Opinions of Counsel and Independent
                           Certificates with respect to any requests by the
                           Issuer to the Indenture Trustee to take any action
                           under the Indenture (Section 11.01(a));

                  (Z)      the preparation and delivery of Officer's
                           Certificates and the obtaining of Independent
                           Certificates, if necessary, for the release of
                           property from the lien of the Indenture (Section
                           11.01(b));

                  (AA)     the notification of the Rating Agencies, upon the
                           failure of the Indenture Trustee to give such
                           notification, of the information required pursuant to
                           Section 11.04 of the Indenture (Section 11.04);

                                       4

<PAGE>

                  (BB)     the preparation and delivery to Noteholders and the
                           Indenture Trustee of any agreements with respect to
                           alternate payment and notice provisions (Section
                           11.06);

                  (CC)     the recording of the Indenture, if applicable
                           (Section 11.15); and

                  (DD)     the preparation of Definitive Notes in accordance
                           with the Instructions of the Depository (Section
                           2.11).

         (b)      The Administrator will:

                  (A)      pay the Indenture Trustee (and any separate trustee
                           or co-trustee appointed pursuant to Section 6.10 of
                           the Indenture (a "Separate Trustee")) from time to
                           time reasonable compensation for all services
                           rendered by the Indenture Trustee or Separate
                           Trustee, as the case may be, under the Indenture
                           (which compensation shall not be limited by any
                           provision of law in regard to the compensation of a
                           trustee of an express trust);

                  (B)      except as otherwise expressly provided in the
                           Indenture, reimburse the Indenture Trustee or any
                           Separate Trustee upon its request for all reasonable
                           expenses, disbursements and advances incurred or made
                           by the Indenture Trustee or Separate Trustee, as the
                           case may be, in accordance with any provision of the
                           Indenture (including the reasonable compensation,
                           expenses and disbursements of its agents and
                           counsel), except any such expense, disbursement or
                           advance as may be attributable to its negligence or
                           bad faith;

                  (C)      indemnify the Indenture Trustee and any Separate
                           Trustee and their respective agents for, and hold
                           them harmless against any losses, liability or
                           expense incurred without negligence or bad faith on
                           their part, arising out of or in connection with the
                           acceptance or administration of the transactions
                           contemplated by the Indenture, including the
                           reasonable costs and expenses of defending themselves
                           against any claim or liability in connection with the
                           exercise or performance of any of their powers or
                           duties under the Indenture; and

                  (D)      indemnify the Owner Trustee and its agents for, and
                           hold them harmless against, any losses, liability or
                           expense incurred without gross negligence or bad
                           faith on their part, arising out of or in connection
                           with the acceptance or administration of the
                           transactions contemplated by the Trust Agreement,
                           including the reasonable costs and expenses of
                           defending themselves against any claim or liability
                           in connection with the exercise or performance of any
                           of their powers or duties under the Trust Agreement.

         (c)      Additional Duties.

                  (i) In addition to the duties of the Administrator set forth
         above, the Administrator shall perform such calculations and shall
         prepare or shall cause the

                                       5

<PAGE>

         preparation by other appropriate persons of, and shall execute on
         behalf of the Issuer or the Owner Trustee, all such documents, reports,
         filings, instruments, certificates, notices and opinions that it shall
         be the duty of the Issuer or the Owner Trustee to prepare, file or
         deliver pursuant to the Related Agreements or Section 5.5(a)(i), (ii),
         (iii) or (v) of the Trust Agreement or Section 7.04(b) or (c) of the
         Sale and Servicing Agreement, and at the request of the Owner Trustee
         shall take all appropriate action that it is the duty of the Issuer or
         the Owner Trustee to take pursuant to the Related Agreements. In
         furtherance thereof, the Owner Trustee shall, on behalf of itself and
         of the Issuer, execute and deliver to the Administrator and to each
         successor Administrator appointed pursuant to the terms hereof, one or
         more powers of attorney substantially in the form of Exhibit A hereto,
         appointing the Administrator the attorney-in-fact of the Owner Trustee
         and the Issuer for the purpose of executing on behalf of the Owner
         Trustee and the Issuer all such documents, reports, filings,
         instruments, certificates and opinions. Subject to Section 5 of this
         Agreement, and in accordance with the directions of the Owner Trustee,
         the Administrator shall administer, perform or supervise the
         performance of such other activities in connection with the Indenture
         Collateral (including the Related Agreements) as are not covered by any
         of the foregoing provisions and as are expressly requested by the Owner
         Trustee and are reasonably within the capability of the Administrator.
         Such responsibilities shall include the obtainment and maintenance of
         any licenses required to be obtained or maintained by the Issuer under
         the Delaware business trust statute (Chapter 38 of Title 12 of The
         Delaware Code, 12 Del. Code ss. 3801 et seq. (the "Delaware Business
         Trust Statute"). In addition, the Administrator shall promptly notify
         the Indenture Trustee and the Owner Trustee in writing of any amendment
         to the Delaware Business Trust Statute that would affect the duties or
         obligations of the Indenture Trustee or the Owner Trustee under any
         Related Agreement and shall assist the Indenture Trustee or the Owner
         Trustee in its obtainment and maintenance of any licenses required to
         be obtained or maintained by the Indenture Trustee or the Owner Trustee
         thereunder. In connection therewith, the Administrator shall cause the
         Seller to pay all fees and expenses under such Act.

                  (ii) Notwithstanding anything in this Agreement or the Related
         Agreements to the contrary, the Administrator shall be responsible for
         promptly notifying the Owner Trustee in the event that any withholding
         tax is imposed on the Trust's payments (or allocations of income) to an
         Owner as contemplated in Section 5.2(f) of the Trust Agreement. Any
         such notice shall specify the amount of any withholding tax required to
         be withheld by the Owner Trustee pursuant to such provision.

                  (iii) Notwithstanding anything in this Agreement or the
         Related Agreements to the contrary, the Administrator shall be
         responsible for performance of the duties set forth in Section
         5.5(a)(i), (ii), (iii), (iv) and (v) of the Trust Agreement with
         respect to, among other things, accounting and reports to Owners.

                  (iv) The Administrator shall satisfy its obligations with
         respect to clauses (ii) and (iii) above by retaining, at the expense of
         the Issuer payable by the Administrator, a firm of independent public
         accountants (the "Accountants") acceptable to the Owner Trustee, which
         shall perform the obligations of the Administrator thereunder.

                                       6

<PAGE>

                  (v) The Administrator shall perform the duties of the
         Administrator specified in Section 10.2 of the Trust Agreement required
         to be performed in connection with the resignation or removal of the
         Owner Trustee, and any other duties expressly required to be performed
         by the Administrator under the Trust Agreement.

                  (vi) In carrying out the foregoing duties or any of its other
         obligations under this Agreement, the Administrator may enter into
         transactions or otherwise deal with any of its affiliates; provided,
         however, that the terms of any such transactions or dealings shall be
         in accordance with any directions received from the Issuer and shall
         be, in the Administrator's opinion, no less favorable to the Issuer
         than would be available from unaffiliated parties.

         (d)      Non-Ministerial Matters.

                  (i) With respect to matters that in the reasonable judgment of
         the Administrator are non-ministerial, the Administrator shall not take
         any such action unless within a reasonable time before the taking of
         such action, the Administrator shall have notified the Owner Trustee of
         the proposed action and the Owner Trustee shall not have withheld
         consent or provided an alternative direction. For the purpose of the
         preceding sentence, "non-ministerial" shall include, without
         limitation:

                  (A)      the amendment of or any supplement to the Indenture;

                  (B)      the initiation of any claim or lawsuit by the Issuer
                           and the compromise of any action, claim or lawsuit
                           brought by or against the Issuer (other than in
                           connection with the collection of the Contracts or
                           Eligible Investments);

                  (C)      the amendment, change or modification of the Related
                           Agreements;

                  (D)      the appointment of successor Note Registrars,
                           successor Paying Agents and successor Indenture
                           Trustees pursuant to the Indenture or the appointment
                           of successor Administrators or successor Servicers,
                           or the consent to the assignment by the Note
                           Registrar, Paying Agent or Indenture Trustee of its
                           obligations under the Indenture; and

                  (E)      the removal of the Indenture Trustee.

                  (ii) Notwithstanding anything to the contrary in this
         Agreement, the Administrator shall not be obligated to, and shall not,
         (x) make any payments to the Noteholders under the Related Agreements,
         (y) sell the Trust Estate pursuant to Section 5.04 of the Indenture or
         (z) take any other action that the Issuer directs the Administrator not
         to take on its behalf.

         2. Records. The Administrator shall maintain appropriate books of
account and records relating to services performed hereunder, which books of
account and records shall be accessible for inspection by the Issuer, the Seller
and the Servicer at any time during normal business hours.

                                       7

<PAGE>

         3. Compensation. As compensation for the performance of the
Administrator's obligations under this Agreement and as reimbursement for its
expenses related thereto, the Administrator shall be entitled to a monthly fee
to be determined by the Seller and the Administrator, which shall be solely an
obligation of the Seller.

         4. Additional Information to be Furnished to the Issuer. The
Administrator shall furnish to the Issuer from time to time such additional
information regarding the Indenture Collateral as the Issuer shall reasonably
request.

         5. Independence of the Administrator. For all purposes of this
Agreement, the Administrator shall be an independent contractor and shall not be
subject to the supervision of the Issuer or the Owner Trustee with respect to
the manner in which it accomplishes the performance of its obligations
hereunder. Unless expressly authorized by the Issuer, the Administrator shall
have no authority to act for or represent the Issuer or the Owner Trustee in any
way and shall not otherwise be deemed an agent of the Issuer or the Owner
Trustee.

         6. No Joint Venture. Nothing contained in this Agreement (i) shall
constitute the Administrator and either of the Issuer or the Owner Trustee as
members of any partnership, joint venture, association, syndicate,
unincorporated business or other separate entity, (ii) shall be construed to
impose any liability as such on any of them, or (iii) shall be deemed to confirm
on any of them any express, implied or apparent authority to incur any
obligation or liability on behalf of the others.

         7. Other Activities of Administrator. Nothing herein shall prevent the
Administrator or its Affiliates from engaging in other businesses or, in its
sole discretion, from acting in a similar capacity as an administrator for any
other person or entity even though such person or entity may engage in business
activities similar to those of the Issuer, the Owner Trustee or the Indenture
Trustee.

         8. Term of Agreement; Resignation and Removal of Administrator.

         (a) This Agreement shall continue in force until the dissolution of the
Issuer, upon which event this Agreement shall automatically terminate.

         (b) The Administrator may resign its duties hereunder by providing the
Issuer with at least 60 days' prior written notice.

         (c) The Issuer may remove the Administrator without cause by providing
the Administrator with at least 60 days' prior written notice.

         (d) At the sole option of the Issuer, the Administrator may be removed
immediately upon written notice of termination from the Issuer to the
Administrator if any of the following events shall occur:

                  (i) the Administrator shall default in the performance of any
         of its duties under this Agreement and, after notice of such default,
         shall not cure such default within ten days (or, if such default cannot
         be cured in such time, shall not give within ten days such assurance of
         cure as shall be reasonably satisfactory to the Issuer);

                                       8

<PAGE>

                  (ii) a court having jurisdiction in the premises shall enter a
         decree or order for relief, and such decree or order shall not have
         been vacated within 60 days, in respect of the Administrator in any
         involuntary case under any applicable bankruptcy, insolvency or other
         similar law now or hereafter in effect or appoint a receiver,
         liquidator, assignee, custodian, trustee, sequestrator or similar
         official for the Administrator or any substantial part of its property
         or order the winding-up or liquidation of its affairs; or

                  (iii) the Administrator shall commence a voluntary case under
         any applicable bankruptcy, insolvency or other similar law now or
         hereafter in effect, shall consent to the entry of an order for relief
         in an involuntary case under any such law, shall consent to the
         appointment of a receiver, liquidator, assignee, trustee, custodian,
         sequestrator or similar official for the Administrator or any
         substantial part of its property, shall consent to the taking of
         possession by any such official of any substantial part of its
         property, shall make any general assignment for the benefit of
         creditors or shall fall generally to pay its debts as they become due.

         The Administrator agrees that if any of the events specified in clause
(ii) or (iii) of this Section shall occur, it shall give written notice thereof
to the Issuer and the Indenture Trustee within seven days after the happening of
such event.

         (e) No resignation or removal of the Administrator pursuant to this
Section shall be effective until (i) a successor Administrator shall have been
appointed by the Issuer and (ii) such successor Administrator shall have agreed
in writing to be bound by the terms of this Agreement in the same manner as the
Administrator is bound hereunder.

         (f) The appointment of any successor Administrator shall be effective
only after satisfaction of the Rating Agency Condition with respect to the
proposed appointment.

         (g) Subject to Sections 8(e) and 8(f), the Administrator acknowledges
that upon the appointment of a successor Servicer pursuant to the Sale and
Servicing Agreement, the Administrator shall immediately resign and such
successor Servicer shall automatically become the Administrator under this
Agreement.

         9. Action Upon Termination, Resignation or Removal. Promptly upon the
effective date of termination of this Agreement pursuant to Section 8(a) or the
resignation or removal of the Administrator pursuant to Section 8(b) or (c),
respectively, the Administrator shall be entitled to be paid all fees and
reimbursable expenses accruing to it to the date of such termination,
resignation or removal. The Administrator shall forthwith upon such termination
pursuant to Section 8(a) deliver to the Issuer all property and documents of or
relating to the Indenture Collateral then in the custody of the Administrator.
In the event of the resignation or removal of the Administrator pursuant to
Section 8(b) or (c), respectively, the Administrator shall cooperate with the
Issuer and take all reasonable steps requested to assist the Issuer in making an
orderly transfer of the duties of the Administrator.

         10. Notices. Any notice, report or other communication given hereunder
shall be in writing and addressed as follows:

         (a)      If to the Issuer or the Owner Trustee, to:

                                       9

<PAGE>

                  Wilmington Trust Company
                  Rodney Square North
                  1100 North Market Street
                  Wilmington, Delaware 19890-0001
                  Attn:  Corporate Trust Administration

         (b)      If to the Administrator, to:

                  Conseco Finance Servicing Corporation
                  1100 Landmark Towers
                  345 St. Peter Street
                  St. Paul, Minnesota  55102-1639
                  Attn:  Chief Financial Officer

         (c)      If to the Indenture Trustee, to:

                  U.S. Bank Trust National Association
                  180 East Fifth Street
                  St. Paul, Minnesota  55101
                  Attn:  Corporate Trust Administration, Structured Finance

or to such other address as any party shall have provided to the other parties
in writing. Any notice required to be in writing hereunder shall be deemed given
if such notice is mailed by certified mail, postage prepaid, or hand-delivered
to the address of such party as provided above.

         11. Amendments. This Agreement may be amended from time to time by a
written amendment duly executed and delivered by the Issuer, the Administrator
and the Indenture Trustee, with written prior notice to Moody's and with the
written consent of the Owner Trustee, without the consent of the Noteholders and
the Certificateholders, for the purpose of adding any provisions to or changing
in any manner or eliminating any of the provisions of this Agreement or of
modifying in any manner the rights of the Noteholders or Certificateholders;
provided that such amendment will not, in the Opinion of Counsel satisfactory to
the Indenture Trustee, materially and adversely affect the interest of any
Noteholder or Certificateholder. This Agreement may also be amended by the
Issuer, the Administrator and the Indenture Trustee with the written consent of
the Owner Trustee and the Controlling Noteholders and the holders of
Certificates evidencing a Certificate Majority for the purpose of adding any
provisions to or changing in any manner or eliminating any of the provisions of
this Agreement or of modifying in any manner the rights of Noteholders or the
Certificateholders; provided, however, that no such amendment may (i) increase
or reduce in any manner the amount of, or accelerate or delay the timing of,
collections of payments on Contracts or distributions that are required to be
made for the benefit of the Noteholders or the Certificateholders or (ii) reduce
the aforesaid percentage of the Notes and Certificates which are required to
consent to any such amendment, without the consent of the holders of all the
outstanding Notes and Certificates. Notwithstanding the foregoing, the
Administrator may not amend this Agreement without the permission of the Seller
and the Company, which permission shall not be unreasonably withheld.

                                       10

<PAGE>

         12. Successors and Assigns. This Agreement may not be assigned by the
Administrator unless such assignment is previously consented to in writing by
the Issuer and the Owner Trustee and subject to the satisfaction of the Rating
Agency Condition in respect thereof. An assignment with such consent and
satisfaction, if accepted by the assignee, shall bind the assignee hereunder in
the same manner as the Administrator is bound hereunder. Notwithstanding the
foregoing, this Agreement may be assigned by the Administrator without the
consent of the Issuer or the Owner Trustee to a corporation or other
organization that is a successor (by merger, consolidation or purchase of
assets) to the Administrator; provided that such successor organization executes
and delivers to the Issuer, the Owner Trustee and the Indenture Trustee an
agreement in which such corporation or other organization agrees to be bound
hereunder by the terms of said assignment in the same manner as the
Administrator is bound hereunder. Subject to the foregoing, this Agreement shall
bind any successors or assigns of the parties hereto.

         13. Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF MINNESOTA, WITHOUT REFERENCE TO ITS CONFLICT OF LAW
PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER
SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

         14. Headings. The section headings hereof have been inserted for
convenience of reference only and shall not be construed to affect the meaning,
construction or effect of this Agreement.

         15. Counterparts. This Agreement may be executed in counterparts, each
of which when so executed shall be an original, but all of which together shall
constitute but one and the same agreement.

         16. Severability. Any provision of this Agreement that is prohibited or
unenforceable in any jurisdiction shall be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining provisions
hereof and any such prohibition or unenforceability in any jurisdiction shall
not invalidate or render unenforceable such provision in any other jurisdiction.

         17. Not Applicable to Conseco Finance Servicing Corporation in Other
Capacities. Nothing in this Agreement shall affect any obligation Conseco
Finance Servicing Corporation may have in any other capacity.

         18. Limitation of Liability of Owner Trustee and Indenture Trustee.

         (a) Notwithstanding anything contained herein to the contrary, this
instrument has been countersigned by Wilmington Trust Company not in its
individual capacity but solely in its capacity as Owner Trustee of the Issuer
and in no event shall Wilmington Trust Company in its individual capacity or any
beneficial owner of the Issuer have any liability for the representations,
warranties, covenants, agreements or other obligations of the Issuer hereunder,
as to all of which recourse shall be had solely to the assets of the Issuer. For
all purposes of this Agreement, in the performance of any duties or obligations
of the Issuer hereunder, the Owner

                                       11

<PAGE>

Trustee shall be subject to, and entitled to the benefits of, the terms and
provisions of Articles VI, VII and VIII of the Trust Agreement.

         (b) Notwithstanding anything contained herein to the contrary, this
Agreement has been countersigned by U.S. Bank Trust National Association not in
its individual capacity but solely as Indenture Trustee and in no event shall
U.S. Bank Trust National Association have any liability for the representations,
warranties, covenants, agreements or other obligations of the Issuer hereunder
or in any of the certificates, notices or agreements delivered pursuant hereto,
as to all of which recourse shall be had solely to the assets of the Issuer.

         19. Third-Party Beneficiary. The Owner Trustee is a third-party
beneficiary to this Agreement and is entitled to the rights and benefits
hereunder and may enforce the provisions hereof as if it were a party hereto.

         20. Limitation of Liability. It is expressly understood and agreed by
the parties hereto that

         (a) this Agreement is executed and delivered by Wilmington Trust
Company, not individually or personally but solely as Owner Trustee of Conseco
Finance Recreational Enthusiast Consumer Trust 2001-A, in the exercise of the
powers and authority conferred and vested in it,

         (b) each of the representations, undertakings and agreements herein
made on the part of the Issuer is made and intended not as personal
representations, undertakings and agreements by Wilmington Trust Company but is
made and intended for the purpose for binding only the Issuer,

         (c) nothing herein contained shall be construed as creating any
liability on Wilmington Trust Company, individually or personally, to perform
any covenant either expressed or implied contained herein, all such liability,
if any, being expressly waived by the parties hereto and by any Person claiming
by, through or under the parties hereto and

         (d) under no circumstances shall Wilmington Trust Company be personally
liable for the payment of any indebtedness or expenses of the Issuer or be
liable for the breach or failure of any obligation, representation, warranty or
covenant made or undertaken by the Issuer under this Agreement or any other
related documents.

                                       12

<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Agreement to be duly
executed and delivered as of the day and year first above written.

                             CONSECO FINANCE RECREATIONAL
                             ENTHUSIAST CONSUMER TRUST 2001-A

                             By:  WILMINGTON TRUST COMPANY,
                                  not in its individual capacity but solely as
                                  Owner Trustee

                             By:  /s/ James P. Lawler
                                  ---------------------------------------------
                                  Name:  JAMES P. LAWLER
                                  Title: Vice President

                             U.S. BANK TRUST NATIONAL ASSOCIATION,
                                  not in its individual capacity but solely
                                  as Indenture Trustee

                             By:  /s/ Tamara Schultz-Fugh
                                  ---------------------------------------------
                                  Name:  TAMARA SCHULTZ-FUGH
                                  Title: Vice President

                             CONSECO FINANCE SERVICING CORPORATION,
                                  as Administrator

                             By:  /s/ Timothy R. Jacobson
                                  ---------------------------------------------
                                  Name:  TIMOTHY R. JACOBSON
                                  Title: Vice President and Assistant Treasurer

<PAGE>

                                                                       EXHIBIT A

                                POWER OF ATTORNEY

STATE OF                                    )
         -----------------------------------
                                            )
COUNTY OF                                   )
          ----------------------------------

         KNOW ALL MEN BY THESE PRESENTS, that Wilmington Trust Company, a
Delaware banking corporation, not in its individual capacity but solely as owner
trustee (the "Owner Trustee") for Conseco Finance Recreational Enthusiast
Consumer Trust 2001-A (the "Trust"), does hereby make, constitute and appoint
Conseco Finance Servicing Corporation, as administrator under the Administration
Agreement dated as of October 1, 2001 (the "Administration Agreement"), among
the Trust, Conseco Finance Servicing Corporation and U.S. Bank Trust National
Association, as Indenture Trustee, as the same may be amended from time to time,
and its agents and attorneys, as Attorneys-in-Fact to execute on behalf of the
Owner Trustee or the Trust all such documents, reports, filings, instruments,
certificates and opinions as it should be the duty of the Owner Trustee or the
Trust to prepare, file or deliver pursuant to the Related Documents, or pursuant
to Section 5.5(a)(i), (ii), (iii), (iv) or (v) of the Trust Agreement,
including, without limitation, to appear for and represent the Owner Trustee and
the Trust in connection with the preparation, filing and audit of federal, state
and local tax returns pertaining the Trust, and with full power to perform any
and all acts associated with such returns and audits that the Owner Trustee
could perform, including without limitation, the right to distribute and receive
confidential information, defend and assert positions in response to audits,
initiate and defend litigation, and to execute waivers of restrictions on
assessments of deficiencies, consents to the extension of any statutory or
regulatory time limit, and settlements.

         All powers of attorney for this purpose heretofore filed or executed by
the Owner Trustee are hereby revoked.

         Capitalized terms that are used and not otherwise defined herein shall
have the meanings ascribed thereto in the Administration Agreement.

         EXECUTED this ____ of __________, 2001.

                                    WILMINGTON TRUST COMPANY,
                                    not in its individual capacity but
                                    solely as Owner Trustee

                                    By:
                                        --------------------------------------
                                        Name:
                                        Title:

                                      A-1

<PAGE>

STATE OF                                    )
         -----------------------------------
                                            )
COUNTY OF                                   )
          ----------------------------------

         Before me, the undersigned authority, on this day personally appeared
___________________________, known to me to be the person whose name is
subscribed to the foregoing instrument, and acknowledged to me that he/she
signed the same for the purposes and considerations therein expressed.

         Sworn to before me this _____ day of ________________, 2001.

                                    --------------------------------------------

Notary Public - State of
                         -------------------

                                      A-2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}]]