Document:

Amendment to APA

    
      

    

    

      EXHIBIT
        10.45

      

      AMENDMENT
        TO ACCOUNT PURCHASE AGREEMENT

      

      This
        Amendment shall modify that certain Account Purchase Agreement dated November
        3,
        2005, as amended (the "Agreement"), by and between Wells Fargo Bank, National
        Association, acting through its Wells Fargo Business Credit
        operating division ("WFBC"), and Natural Soda, Inc. ("Customer").

      

      For
        good
        and valuable consideration the receipt and sufficiency of which is hereby
        acknowledged, WFBC and Customer
        agree to amend the Agreement as follows:

      

      The
        Account Purchase Agreement date is hereby amended to be December 7,
        2005

      

      
        	
                3.0

              	
                Purchase
                  Limits: The
                  maximum outstanding face amount of Accounts purchased by WFBCI
                  hereunder
                  is $1,500,000.

              

      

      

      6.06 Minimum
        and Origination Fee: Customer
        shall pay a Minimum Fee per quarterly in the amount of $18,000 during the
        term
        of this Agreement (and any extension hereof) and Customer shall pay any
        deficiency between the Minimum Fee and
        the
        fees calculated under Section 2.16 hereof on the 15th day of the next calendar
        month. Customer shall pay an origination
        fee in the amount of $6,000.00 upon closing of this Agreement, and
        at the anniversary date upon each renewal,
        in
        the
        amount of $6,000.00. WFBC agrees, however, that if, after the first 6 months
        hereof, Customer obtains financing from any Wells Fargo & Co. entity, that
        is utilized for paying off all obligations to WFBC, and ceases selling
Accounts
        hereunder, Minimum Fees for the remainder of the then current term shall
        be
        waived from the date of the full pay off to WFBC or the date selling of Accounts
        ceases, whichever is later.

      

      
        	
                WELLS
                  FARGO BANK, NATIONAL ASSOCIATION

              	 	
                Natural
                  Soda, Inc.

              
	
                By:

              	
                /s/
                  Kei Lehigh

              	 	
                By:

              	
                /s/
                  Bill H. Gunn

              
	
                By

              	
                Kei
                  Lehigh

              	 	
                By

              	
                Bill
                  H. Gunn

              
	
                Title:

              	
                Vice
                  President

              	 	
                Title:

              	
                President

              
	
                Date:

              	
                12/19/05

              	 	
                Date:

              	
                12/19/05

              

      

      

      GUARANTOR
        CONSENT AND AGREEMENT

      

      Each
        undersigned Guarantor consents to the within Amendment to Account Purchase
        Agreement and agrees that
        the
        execution thereof by WFBC and Customer shall not impair or otherwise affect
        Guarantor's obligations and
        duties to WFBC with regard to the Agreement, as amended, all of which are
        hereby
        reaffirmed. This consent and agreement shall be effective as of the effective
        date of the Amendment.

      

      

      
        	
                /s/
                  Bill H. Gunn

              	 
	
                (Individually
                  as Guarantor Bill Gunn)

              	 

      

      

      
        	
                Date:

              	
                12/19/05Unassociated Document

    EXHIBIT
      4.2

     

     

     

    FREMONT
      HOME LOAN TRUST 2006-3

     

     

    _____________________

     

    AMENDMENT
      NO. 1 TO POOLING AND SERVICING AGREEMENT

     

    Dated
      as
      of January 10, 2007

     

     

    _________________________

     

    Fremont
      Home Loan Trust 2006-3

    

    Asset-Backed
      Certificates, Series 2006-3

    

     

    

     

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    AMENDMENT
      NO. 1

     

    AMENDMENT
      NO. 1 (this “Amendment”) effective as of September 1, 2006, among Financial
      Asset Securities Corp., as depositor (the “Depositor”), Wells Fargo Bank, N.A.,
      as servicer effective January 1, 2007 and February 1, 2007 (the “Servicer”) and
      Deutsche Bank National Trust Company, as trustee (the “Trustee”).

     

    PRELIMINARY
      STATEMENT

     

    WHEREAS,
      the Depositor, the Servicer and the Trustee, are parties to the Pooling and
      Servicing Agreement, dated as of September 1, 2006 (the
“Agreement”);

     

    WHEREAS,
      Section 11.01 of the Agreement provides that the Agreement may be amended by
      the
      Depositor, the Servicer and the Trustee; 

     

    WHEREAS,
      Section 11.01 of the Agreement provides that the Trustee will receive an opinion
      stating that such Amendment will not adversely affect in any material respect
      the interests of any Certificateholder; and

     

    NOW,
      THEREFORE, in consideration of the foregoing and of other good and valuable
      consideration, the receipt and sufficiency of which is hereby acknowledged,
      the
      parties hereto agree as follows:

     

    1.  Capitalized
      terms used but not defined herein shall have the meanings ascribed to such
      terms
      in the Agreement.

     

    2.  Amendments

     

    The
      definition of “Available Funds” is deleted in its entirety and replaced with the
      following:

     

    “Available
      Funds”: With respect to any Distribution Date, an amount equal to the excess of
      (i) the sum of (a) the aggregate of the related Monthly Payments on the Mortgage
      Loans due on the related Due Date and received on or prior to the related
      Determination Date, (b) Net Liquidation Proceeds, Insurance Proceeds, Subsequent
      Recoveries, Principal Prepayments, proceeds from repurchases of and
      substitutions for such Mortgage Loans and other unscheduled recoveries of
      principal and interest in respect of the Mortgage Loans received during the
      related Prepayment Period, (c) the aggregate of any amounts received in respect
      of a related REO Property withdrawn from any REO Account and deposited in the
      Collection Account for such Distribution Date, (d) the aggregate of any amounts
      deposited in the Collection Account by the Servicer in respect of related
      Prepayment Interest Shortfalls for such Distribution Date, (e) the aggregate
      of
      any Advances made by the Servicer for such Distribution Date in respect of
      the
      Mortgage Loans, (f) the aggregate of any related advances made by the Trustee
      in
      respect of the Mortgage Loans for such Distribution Date pursuant to Section
      7.02, (g) the amount of any Prepayment Charges collected by the Servicer in
      connection with the full or partial prepayment of any of the Mortgage Loans
      and
      any Servicer Prepayment Charge Payment Amount, (h) with respect to the
      Distribution Date immediately following the end of the Funding Period, any
      amounts in the Pre-Funding Accounts (exclusive of any investment income therein)
      after giving effect to any purchase of Subsequent Mortgage Loans, (i) with
      respect to each Distribution Date during the Funding Period and on the
      Distribution Date immediately following the end of the Funding Period, any
      amounts withdrawn by the Trustee from the Interest Coverage Accounts for
      distribution on the Certificates on such Distribution Date and (j) all income
      and gain realized from the investment of funds deposited in the Distribution
      Account during the Float Period over (ii) the sum of (a) amounts reimbursable
      or
      payable to the Servicer pursuant to Section 3.11(a), the Trustee pursuant to
      Section 3.11(b) or the Swap Provider (including any New Swap Payment and Swap
      Termination Payment owed to the Swap Provider but excluding any Swap Termination
      Payment owed to the Swap Provider resulting from a Swap Provider Trigger Event)
      (b) amounts deposited in the Collection Account or the Distribution Account
      pursuant to clauses (a) through (g) above, as the case may be, in error, (c)
      the
      amount of any Prepayment Charges collected by the Servicer in connection with
      the full or partial prepayment of any of the Mortgage Loans and any Servicer
      Prepayment Charge Payment Amount, (d) any indemnification payments or expense
      reimbursements made by the Trust Fund pursuant to Section 8.05, and (e) any
      Net
      Swap Payment or Swap Termination Payment owed to the Swap Provider (other than
      any Swap Termination Payment owed to the Swap Provider resulting from a Swap
      Provider Trigger Event).

     

    The
      following definition is added in its entirety to Section 1.01 of the
      Agreement:

     

    “Float
      Period”: With
      respect to any Distribution Date and amounts in the Distribution
      Account, the period commencing on the Servicer Remittance Date and ending
      on the Business Day immediately preceding such Distribution Date.

     

    The
      definition of “Group I Interest Remittance Amount” is deleted in its entirety
      and replaced with the following: 

     

    “Group
      I
      Interest Remittance Amount”: With respect to any Distribution Date, that portion
      of the Available Funds for such Distribution Date attributable to interest
      received or advanced with respect to the Group I Mortgage Loans or amounts
      withdrawn from the Group I Interest Coverage Account and the Group I Allocation
      Percentage of all income and gain realized from the investment of funds
      deposited in the Dirstribution Account during the Float Period.

     

    The
      definition of “Group II Interest Remittance Amount” is deleted in its entirety
      and replaced with the following:

     

    “Group
      II
      Interest Remittance Amount”: With respect to any Distribution Date, that portion
      of the Available Funds for such Distribution Date attributable to interest
      received or advanced with respect to the Group II Mortgage Loans or amounts
      withdrawn from the Group II Interest Coverage Account and the Group II
      Allocation Percentage of all income and gain realized form the investment of
      funds deposited in the Distribution Account during the Float
      Period.

     

    The
      definition of “Trustee Compensation” is deleted in its entirety and replaced
      with the following:

     

    “Trustee
      Compensation”: The Trustee Compensation shall be one Business Day of income
      earned on amounts on deposit in the Distribution Account.

     

    The
      following is added as Section 3.12(d) of the Agreement:

     

    Upon
      receipt of written instructions from the majority Holder of the Class C
      Certificates or if the Class C Certificates have been pledged pursuant to an
      Indenture, the majority equity holder in such transaction (either such party,
      the “Class C Holder”), the Trustee shall invest the funds on deposit in the
      Distribution Account during the Float Period.  Such instructions from the
      Class C Holder shall remain in force until the Trustee receives written
      instructions from the Class C Holder to cease investing such funds during the
      Float Period. All income and gain realized from the investment of funds
      deposited in the Distribution Account during the Float Period shall
      be included in Available Funds for the related Distribution Date. The Class
      C Holder shall deposit in the Distribution Account, from its own funds, the
      amount of any loss of principal incurred in respect of any such Permitted
      Investment made with funds in the Distribution Account during the
      Float Period immediately upon notification of such loss. The Trustee may at
      its
      discretion, and without liability, hold the funds in the Distribution Account
      after the Float Period uninvested.

     

    3.  Except
      as
      expressly modified or amended in this Amendment, all of the terms, covenants,
      provisions, agreements and conditions of the Agreement are hereby ratified
      and
      confirmed in every respect and shall remain unmodified and unchanged and shall
      continue in full force and effect.

     

    4.  The
      Depositor certifies that all conditions for the execution of this Amendment
      have
      been satisfied.

     

    5.  This
      Amendment shall become effective as of the date indicated above when, and only
      when, the Trustee shall have received executed counterparts of this Amendment
      from the parties hereto. 

     

    6.  This
      Amendment may be executed in counterparts, all of which, taken together, shall
      constitute one and the same instrument. 

     

    

     

    IN
      WITNESS WHEREOF, the parties have duly executed this Amendment No. 1 as of
      the
      date first above written.

     

    
      	 	 	 	 	 	 	 	
              FINANCIAL
                ASSET SECURITIES CORP.,

              as
                Depositor

            
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
              By:

            	
              /s/
                Ara Balabanian

            
	 	 	 	 	 	 	 	
              Name:

            	
              Ara
                Balabanian

            
	 	 	 	 	 	 	 	
              Title:

            	
              Vice
                President

            

    

    

     

    
      	 	 	 	 	 	 	 	
              WELLS
                FARGO BANK, N.A., as Servicer

            
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
              By:

            	
              /s/
                Laurie McGoogan

            
	 	 	 	 	 	 	 	
              Name:

            	
              Laurie
                McGoogan

            
	 	 	 	 	 	 	 	
              Title:

            	
              Vice
                President

            

    

    

     

    
      	 	 	 	 	 	 	 	
              DEUTSCHE
                BANK NATIONAL TRUST

              COMPANY,
                as Trustee

            
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
              By:

            	
              /s/
                Barbara Campbell

            
	 	 	 	 	 	 	 	
              Name:

            	
              Barbara
                Campbell

            
	 	 	 	 	 	 	 	
              Title:

            	
              Vice
                President

            
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	
              By:

            	
              /s/
                Karlene Benvenuto

            
	 	 	 	 	 	 	 	
              Name:

            	
              Karlene
                Benvenuto

            
	 	 	 	 	 	 	 	
              Title:

            	
              Authorized
                Signer

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