Document:

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                                                                   EXHIBIT 10.74

                       COUNTRYWIDE FINANCIAL CORPORATION
                     2004 EXECUTIVE EQUITY DEFERRAL PROGRAM

                                    SECTION 1
                                     GENERAL

        1.1 Purpose. The Countrywide Financial Corporation 2004 Executive Equity
Deferral Program (the "Program") has been established by Countrywide Financial
Corporation (the "Company"), so that it, and each of its Related Companies, may
provide its eligible key management employees with an additional opportunity to
build financial security, thereby aiding such companies in attracting and
retaining employees of exceptional ability.

        1.2 Effective Date. The "Effective Date" of the Program is January 1,
2004.

        1.3 Related Company. The term "Related Company" means any company during
any period in which at least fifty percent of the voting power of all classes
entitled to vote is owned, directly or indirectly, by the Company or by any
other company that is a Related Company by reason of its ownership of stock of
the Company. The Company and each Related Company are referred to below
collectively as the "Employers" and individually as an "Employer."

        1.4 Program Year. The term "Program Year" means the calendar year.

        1.5 Administration. The authority to control and manage the operation
and administration of the Program shall be vested in the Committee. The
Committee shall have the rights, powers and duties set forth in Section 6.

                                          SECTION 2
                                        PARTICIPATION

        2.1 Participant. Any individual who is an Eligible Employee for any
Program Year shall be eligible to participate in the Program for the Program
Year, subject to the terms of the Program. For purposes of the Program, the term
"Eligible Employee" for any Program Year shall mean any employee of the Company,
or a Related Company, who is part of a select group of management or highly
compensated employees and who is specifically selected by the Committee.

        2.2 Deferral Election. An Eligible Employee shall participate in the
Program by electing to defer payment of a portion of his or her Eligible
Compensation pursuant to the terms of a "Deferral Election" (once deferred, the
"Deferred Amounts"). An individual's Deferral Election shall be subject to the
following:

        (a)     An individual who, prior to the beginning of any Program Year,
                satisfies the requirements of an Eligible Employee for the
                Program Year shall be eligible to file a Deferral Election with
                respect to his or her Eligible Compensation for that Program
                Year. Such Deferral Election shall be filed during such period
                before the first day of that year as may be established by the
                Committee.

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        (b)     An individual who, prior to the beginning of any Program Year,
                has not satisfied the requirements of an Eligible Employee for
                the Program Year, but who becomes an Eligible Employee during
                the Program Year, shall be eligible to file a Deferral Election
                with respect to his or her Eligible Compensation for that
                Program Year, subject to the limits of paragraph 2.2(d). Such
                Deferral Election shall be filed within thirty days (or such
                shorter period as may be specified by the Committee) after he or
                she first becomes an Eligible Employee for the year.

        (c)     If the Program first becomes effective with respect to the
                employees of any Employer during any Program Year, and an
                employee of that Employer becomes an Eligible Employee on the
                date the Program becomes effective, such employee shall be
                eligible to file a Deferral Election with respect to Eligible
                Compensation for that Program Year, subject to the limits of
                paragraph 2.2(d). Such Deferral Election shall be filed within
                thirty days (or such shorter period as may be specified by the
                Committee) after the date the Program becomes effective.

        (d)     To the extent elected by a Participant, and subject to the terms
                of the Program, a Participant's Deferral Election for any
                Program Year shall apply to his or her Compensation for that
                Program Year. The terms of a Deferral Election shall be subject
                to any conditions and limitations that may be imposed by the
                Committee. Except as otherwise provided in this subsection 2.2,
                a Deferral Election shall be irrevocable for the Program Year to
                which it applies.

        (e)     The Committee may revoke an individual's Deferral Election as of
                the date on which the individual ceases to be an Eligible
                Employee.

        (f)     Subject to the terms of the Program, the Participant shall
                specify, as part of his or her Deferral Election, and in
                accordance with subsection 4, the time and manner of
                distribution of the amounts deferred pursuant to such election.

        2.3 Compensation. For purposes of the Program, a Participant's "Eligible
Compensation" from any Employer for any Program Year means any elements of the
Participant's cash or equity based compensation which are approved for deferral
by the Committee.

                                    SECTION 3
                               PROGRAM ACCOUNTING

        3.1 Stock Unit Account. A "Stock Unit Account" shall be maintained on
behalf of each Participant who elects to defer all or a portion of his or her
Eligible Compensation under this Program, for the period during which delivery
is deferred. A Participant's Stock Unit Account shall be subject to the
following adjustments:

        (a)     The Stock Unit Account will be credited with Stock Units, with
                such Stock Units to be credited as of the date on which the
                Eligible Compensation would otherwise have been delivered to the
                Participant in the absence of the deferral.

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        (b)     As of each dividend payment date for the Stock following the
                date any Stock Units are credited to the Participant's Stock
                Unit Account, and prior to the date of distribution with respect
                to those Stock Units, the Participant's Stock Unit Account shall
                be credited with additional Stock Units (including fractional
                Stock Units) equal to (i) the value of the dividend that would
                be payable with respect to the number of shares of Stock equal
                to the number of Stock Units credited to the Participant's Stock
                Unit Account on the dividend record date, divided by (ii) the
                Fair Market Value (as defined in the 2000 Plan) of a share of
                Stock on the date of payment of the dividend.

        (c)     As of the date of any distribution with respect to a
                Participant's Stock Unit Account, the Stock Units credited to a
                Participant's Stock Unit Account shall be reduced by the amounts
                distributed to the Participant.

        3.2 Statement of Accounts. As soon as practicable after the end of each
Year, the Company shall provide Participants having Stock Unit Accounts under
the Program with a statement of the transactions in such Accounts during that
year and the Account balances as of the end of the year.

                                    SECTION 4
                                  DISTRIBUTIONS

        4.1 General. Subject to the terms of this Section 4, a Participant shall
specify, as part of his or her Deferral Election with respect to Deferred
Amount, the time and manner of the distribution of the amounts deferred pursuant
to such election. In the event that no election is made with respect to the
timing or method of distribution as of the date of the Participant's termination
of employment (the "Termination Date"), the Participant's entire Stock Unit
Account shall be distributed in a single lump sum as of the first anniversary
the Participant's Termination Date. At the time of distribution of the Stock
Unit Account shares in accordance with the Participant's Deferral Election, the
Participant shall receive a distribution of shares of Stock based upon the
number of Stock Units in his or her Stock Unit Account subject to distribution.
If the scheduled distribution date would otherwise occur after a dividend record
date but before the payment of the dividend, distribution may, in the
Committee's discretion, be deferred (not more than 30 days) until the dividend
is paid.

        4.2 Termination of Deferral by Company. The Committee shall retain the
right to terminate, at any time, for any reason, or no reason, the deferral
provisions under this Section 4 (which may, but need not, be in conjunction with
a termination of the Program), and may immediately distribute all, but not less
than all, of the Stock Unit Accounts as of the date of such termination if it is
determined by the Committee to be in the best interest of the Company. In the
event that the Board terminates the Program pursuant to Section 8, the
Restricted Period with respect to all unvested Restricted Stock Units shall
immediately lapse and the Participant shall become fully vested in such Stock
Units.

        4.3 Offset. Notwithstanding the provisions of subsection 7.2, if, at the
time payments are to be made under the Program, the Participant or beneficiary
or both are indebted or obligated to any Employer or Related Company, then the
payments remaining to be made to the

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Participant or the beneficiary or both may, at the discretion of the Committee,
be reduced by the amount of such indebtedness, or obligation, provided, however,
that an election by the Committee not to reduce any such payment shall not
constitute a waiver of the claim for such indebtedness or obligation.

        4.4 Unforeseeable Emergency. Prior to the date otherwise scheduled for
distribution of his or her benefits under the Program, upon a showing of an
unforeseeable emergency, a Participant may elect to accelerate payment of an
amount not exceeding the lesser of (a) the amount necessary to meet the
emergency or (b) the sum of his or her Account balance(s) under the Program (the
"Unforeseeable Emergency Amount"). For purposes of the Program, the term
"unforeseeable emergency" shall mean an unanticipated emergency that is caused
by an event beyond the control of the Participant (or the control of the
beneficiary, if the amount is payable to a beneficiary) and that would result in
severe financial hardship to the individual if early withdrawal were not
permitted. The determination of "unforeseeable emergency" shall be made by the
Committee, based on such information as the Committee shall deem to be
necessary. Once the Unforeseeable Emergency Amount is paid, the Participant
shall not be eligible to make any further Deferral Elections under the Program
until the next Program Year commencing at least twelve months after the date on
which the Unforeseeable Emergency Amount is paid.

        4.5 Cash-Out Election. A Participant may make a one-time election (a
"Cash-Out Election") to have his or her entire Stock Unit Account balance(s)
distributed, in a single lump sum payment, in stock, within 30 days following
the date that such election is filed with the Employer, subject to the
following:

        (a)     The amount actually distributed to an electing Participant under
                this subsection 4.5 shall be equal to the Participant's entire
                balance in his or her Stock Unit Account, reduced by an amount
                equal to 10 percent of each of such balances. The portion of the
                Participant's Account balance that is not distributed to the
                Participant's pursuant to this paragraph (a) shall be forfeited
                as a penalty.

        (b)     Notwithstanding the provisions of Section 2, for the remainder
                of the Program Year in which the Cash-out Election is effective
                and for the next following Program Year, no Deferral Election by
                the Participant under subsection 2 shall be given effect.

        Notwithstanding the foregoing provisions of this subsection 4.5, and
without limiting the amending authority reserved to the Board by the provisions
of Section 8 of the Program, the Committee may amend this subsection 4.5 at any
time and in any respect, including as to amounts previously credited to a
Participant's Account, to the extent that the Committee determines that such
amendment is necessary or desirable by reason of any change in tax laws or
regulations or interpretations thereof; provided, however, that no such
amendment shall apply with respect to amounts actually distributed under this
subsection 4.5 before the later of the date on which the amendment is adopted or
effective.

                                    SECTION 5
                                CHANGE IN CONTROL

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        In the event of a Corporate Change, the restricted period with respect
to all unvested Restricted Stock Units shall immediately lapse and the
Participant shall become fully vested in such Stock Units.

                                    SECTION 6
                                 ADMINISTRATION

        6.1 Committee. The Program and all benefits pursuant thereto shall be
administered by the Compensation Committee of the Board (as used herein, the
"Committee"). If the Committee does not exist, or for any other reason
determined by the Board, the Board may take any action under the Program that
would otherwise be the responsibility of the Committee.

        6.2 Powers of Committee. The Committee shall have the authority and
discretion to interpret and administer the Program, to establish, amend and
rescind any rules and regulations relating to the Program. All questions of
interpretation with respect to the Program, the benefits established herein, the
number of shares of Stock, or other security, or rights granted and the terms of
any agreements evidencing any of the Eligible Compensation, including the
timing, pricing, and amounts of awards, shall be determined by the Committee,
and its determination shall be final and conclusive upon all parties in
interest.

        6.3 Delegation. Except to the extent prohibited by applicable law or the
applicable rules of a stock exchange, the Committee may delegate to the officers
or employees of the Company and its Related Companies the authority to execute
and deliver such instruments and documents, to do all such acts and things, and
to take all such other steps deemed necessary, advisable or convenient for the
effective administration of the Program in accordance with its terms and
purpose, except that the Committee may not delegate any discretionary authority
with respect to substantive decisions or functions regarding the Program or
benefits thereunder, including, but not limited to, decisions regarding the
timing, eligibility, pricing, amount or other material terms of such benefits.
Any such delegation may be revoked by the Committee at any time.

        6.4 Foreign Jurisdictions. To the extent that the Committee determines
that the restrictions imposed by the Program preclude the achievement of the
material purposes of the benefit provided herein in jurisdictions outside the
United States, if applicable, the Committee will have the authority and
discretion to modify those restrictions as the Committee determines to be
necessary or appropriate to conform to applicable requirements or practices of
jurisdictions outside of the United States.

                                    SECTION 7
                                  MISCELLANEOUS

        7.1 Beneficiaries. Each Participant or former Participant entitled to
payment of Eligible Compensation hereunder, from time to time may name any
person or persons (who may be named contingently or successively) to whom any
Eligible Compensation earned by him or her and payable to him or her are to be
paid in case of his or her death before he or she receives any or all of such
Eligible Compensation. Each designation will revoke all prior designations by
the same Participant or former Participant, shall be in form prescribed by the
Company, and will

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be effective only when filed by the Participant or former Participant in writing
with the Secretary of the Company during the Participant's lifetime. If a
deceased Participant or former Participant shall have failed to name a
Beneficiary in the manner provided above, or if the Beneficiary named by a
deceased Participant or former Participant dies before him or her or before
payment of all the Participant's or former Participant's Eligible Compensation,
the Company, in its discretion, may direct payment in a single sum of any
remaining Eligible Compensation to either:

        (a)     any one or more or all of the next of kin (including the
                surviving spouse) of the Participant or former Participant, and
                in such proportions as the Company determines; or

        (b)     the legal representative or representatives of the estate of the
                last to die of the Participant or former Participant and his or
                her last surviving beneficiary.

The person or persons to whom any deceased Participant's or former Participant's
Eligible Compensation are payable under this paragraph will be referred to as a
"Beneficiary."

        7.2 Benefits May Not be Assigned. Neither the Participant nor any other
person shall have any voluntary or involuntary right to commute, sell, assign,
pledge, anticipate, mortgage or otherwise encumber, transfer, hypothecate or
convey in advance of actual receipt of the amounts, if any, payable hereunder,
or any part hereof, which are expressly declared to be unassignable and
non-transferable. No part of the amounts payable shall be, prior to actual
payment, subject to seizure or sequestration for payment of any debts,
judgments, alimony or separate maintenance owed by the Participant or any other
person, or be transferred by operation of law in the event of the Participant's
or any other person's bankruptcy or insolvency.

        7.3 Unfunded Program. The Program shall be unfunded. Neither the
Company, a Related Company, the Board nor the Committee shall be required to
segregate any assets that may at any time be represented by benefit obligations
under the Program. Neither the Company, a Related Company, the Committee, nor
the Board shall be deemed to be a trustee of any amounts to be paid under the
Program. Neither the Participant nor any other person shall, by reason of
participation in the Program, the deferral of shares of Stock or the deferral of
a cash payment, acquire any right in or title to any assets, funds or property
of the Company whatsoever prior to the date such shares of Stock or cash are
distributed. A Participant shall have only a contractual right to shares of
Stock, if any, distributable under the Program, unsecured by any assets of the
Company. Nothing contained in the Program shall constitute a guarantee by the
Company that the assets of the Company shall be sufficient to provide any
benefits to any person. The Company may, but shall not be obligated to,
establish a trust to hold assets for the purpose of satisfying obligations under
this Program.

        7.4 Adjustment Provisions. In the event of a corporate transaction
involving the Company (including, without limitation, any stock dividend, stock
split, extraordinary cash dividend, recapitalization, reorganization, merger,
consolidation, split-up, spin-off, combination or exchange of shares), in
addition to any adjustments made pursuant to Section 8 of the 2000 Plan, the
Committee may make equitable adjustments to the Deferred Amounts to preserve the
benefits or potential benefits of participation in the Program.

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        7.5 Notices. Any notice or document required to be filed with the
Committee under the Program will be properly filed if delivered or mailed by
registered mail, postage prepaid, to the Committee, in care of the Secretary of
the Company, at its principal executive offices. The Committee may, by advance
written notice to affected persons, revise such notice procedure from time to
time. Any notice required under the Program may be waived by the person entitled
to notice.

        7.6 Limits of Liability.

        (a)     Any liability of the Company or a Related Company to any
                Participant with respect to participation in the Program shall
                be based solely upon contractual obligations created by the
                Program.

        (b)     Neither the Company nor a Related Company, nor any member of the
                Board or of the Committee, nor any other person participating in
                any determination of any question under the Program, or in the
                interpretation, administration or application of the Program,
                shall have any liability to any party for any action taken or
                not taken in good faith under the Program except as may be
                expressly provided by statute.

        7.7 Rights of Employees. Nothing contained in this Program (or in any
other documents related to this Program) shall confer upon any Employee any
right to continue in the employment of the Company or a Related Company,
constitute any contract or limit in any way the right of the Company or a
Related Company to change such person's compensation or other benefits or to
terminate the service of such person with or without cause.

        7.8 Form and Time of Elections. Any election required or permitted under
the Program shall be in writing, and shall be deemed to be filed when timely
delivered to the Secretary of the Company or other person as determined by the
Committee. Any election to defer Eligible Compensation, shall be irrevocable
after the commencement of the year for which it is filed, and such election
shall remain in effect with respect to any subsequent years unless a new
election with respect to such subsequent years is filed in accordance with rules
established by the Committee, in which case such new election shall be
applicable with respect to such subsequent years.

        7.9 Action by Company. Any action required or permitted to be taken by
the Company shall be by resolution of the Board, or by action of one or more
members of the Board (including a committee of the Board) who are duly
authorized to act for the Board or (except to the extent prohibited by the
provisions of Rule 16b-3, applicable local law, the applicable rules of any
stock exchange, or any other applicable rules) by a duly authorized officer of
the Company.

        7.10 2000 Equity Incentive Program. Any shares of Stock distributed to a
Participant under this Program shall be issued pursuant to the 2000 Equity
Incentive Plan of Countrywide financial Corporation (the "2000 Plan"), subject
to all of the terms and conditions herein. Except in the event of conflict, all
provisions of the 2000 Plan shall apply to this Program. In the event of any
conflict between the provisions of the 2000 Plan and this Program, this Program
shall

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control, provided that the Stock Units credited herein may not exceed the share
limitations set forth in the 2000 Plan.

        7.11 Gender and Number. Where the context admits, words in any gender
shall include any other gender, words in the singular shall include the plural
and the plural shall include the singular.

        7.12 Defined Terms. Capitalized terms are as defined herein, or as
defined in the 2000 Plan.

                                    SECTION 8
                          AMENDMENT AND DISCONTINUANCE

        The Board may, at any time, amend or terminate the Program, provided
that no amendment or termination may, in the absence of written consent to the
change by the affected Participant (or, if the Participant is not then living,
the affected beneficiary), adversely affect the rights of any Participant or
Beneficiary prior to the date such amendment is adopted by the Board; and
further provided, that adjustments pursuant to paragraph 7.4 shall not be
subject to the foregoing limitations of this Section 8. Any amendment or
discontinuance of the Program shall be prospective in operation only, and shall
not adversely affect the Participant's existing rights, unless the Participant
affected shall expressly consent thereto.

                                    SECTION 9
                                CLAIMS PROCEDURES

        9.1 Filing a Claim. Any Participant or Beneficiary of a deceased
Participant (such Participant or Beneficiary being referred to below as a
"Claimant") may deliver to the Committee a written claim for a determination
with respect to the amounts distributable to such Claimant from the Program. If
such a claim relates to the contents of a notice received by the Claimant, the
claim must be made within 60 days after such notice was received by the
Claimant. All other claims must be made within 180 days of the date on which the
event that caused the claim to arise occurred. The claim must state with
particularity the determination desired by the Claimant.

        9.2 Committee's Decision. Within 90 days after the receipt of the claim,
the Committee will provide the Claimant with written notice of its decision on
the claim. If, because of special circumstances, the Committee cannot render a
decision on the claim within the 90-day period, the Committee may extend the
period in which to render the decision up to 180 days after receipt of the
written claim. The Committee will provide the Claimant with a written notice of
the extension, before the end of the initial 90-day period, which indicates the
special circumstances requiring the extension and the expected decision date. If
the claim is denied in whole or in part, the written notice of the decision will
inform the Claimant of:

        (a)     the specific reasons for the denial;

        (b)     the specific provisions of the Program upon which the denial is
                based;

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        (c)     any additional material or information necessary to perfect the
                claim and reasons why such material or information is necessary;

        (d)     the right to request review of the denial and how to request
                such review; and

        (e)     a statement of Claimant's right to bring a civil action under
                section 502(a) of the Employee Retirement Income Security Act of
                1974 (ERISA) following an adverse benefit determination on
                review.

        9.3 Request for Review of Denied Claim. Within 60 days after the receipt
of written notice of a denial of all or a portion of a claim, the Claimant may
request a review of the denial in a writing filed with the Committee. Written
comments, documents, records and other information may be submitted to the
Committee along with the review request. During the 60-day period following
notice of the denial, the Claimant will be provided, upon request and free of
charge, reasonable access to, and copies of, all documents, records, and other
information relevant to the claim for benefits.

        9.4 Review of Denied Claim. Upon receipt of a request for review of a
claim denial, the Committee will undertake a full and fair review of the claim
denial and provide the Claimant with written notice of its decision within 60
days after receipt of the review request. If, because of special circumstances,
the Committee cannot make a decision within the 60-day period, the Committee may
extend the period in which to make the decision up to 120 days after receipt of
the review request. The Committee will provide the Claimant with a written
notice of the extension, before the end of the 60-day period, which indicates
the special circumstances requiring the extension and the expected decision
date. The written notice of the Committee's decision will inform the Claimant
of:

        (a)     the specific reasons for the decision;

        (b)     the specific provisions of the Program upon which the decision
                is based;

        (c)     a statement that Claimant will be provided, upon request and
                free of charge, reasonable access to, and copies of, all
                documents, records, and other information relevant to the claim
                for benefits;

        (d)     a statement of the Claimant's right to bring a civil action
                under section 502(a) of ERISA.

        9.5 Legal Action. Except as may be otherwise required by law, the
decision of the Committee on review of the claim denial will be binding on all
parties. A Claimant's compliance with the foregoing provisions of this Section 9
is a mandatory prerequisite to a Claimant's right to commence any legal action
with respect to any claim for benefits under this Program.

                      [THE NEXT PAGE IS THE SIGNATURE PAGE]

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IN WITNESS WHEREOF, the Company has caused this Plan to be executed by its duly
authorized officer this 1st day of January, 2004.

                                        Countrywide Financial Corporation

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

                                       10<PAGE>

                                                                   EXHIBIT 10.79

                                                                  EXECUTION COPY

                                FOURTH AMENDMENT
                         TO REVOLVING CREDIT AGREEMENT

        THIS FOURTH AMENDMENT TO REVOLVING CREDIT AGREEMENT (the "Amendment") is
made and dated as of December 15, 2003 by and among COUNTRYWIDE HOME LOANS,
INC., a New York corporation (the "Company"), the Lenders signing below, and
BANK OF AMERICA, N.A., as the Managing Administrative Agent for the Lenders (in
such capacity, the "Managing Administrative Agent").

                                    RECITALS

        A. Pursuant to that certain Revolving Credit Agreement dated as of
December 17, 2001 by and among the Company, the Lenders from time to time party
thereto, the Managing Administrative Agent, the Administrative Agents, the
Co-Syndication Agents, the Documentation Agent, and the Other Facility Agents
(as amended, extended and replaced from time to time, the "Credit Agreement,"
and with capitalized terms used herein and not otherwise defined used with the
meanings given such terms in the Credit Agreement), the Short Term Lenders
currently party to the Credit Agreement (the "Existing Short Term Lenders")
agreed to extend credit on a short-term basis to the Company on the terms and
subject to the conditions set forth therein.

        B. The Short Term Lenders signing below have agreed to extend the Short
Term Facility Maturity Date on the terms and conditions set forth below.

        NOW, THEREFORE, in consideration of the foregoing Recitals and for other
good and valuable consideration, the receipt and adequacy of which are hereby
acknowledged, the parties hereto hereby agree as follows:

                                    AGREEMENT

        1. Extension of Short Term Facility Maturity Date. To reflect the
agreement of the Company and those Short Term Lenders signing this Amendment to
extend the Short Term Facility Maturity Date, effective as of the Effective Date
(as defined in Paragraph 6 below), the definition of the term "Short Term
Facility Maturity Date" set forth in the Glossary to the Credit Agreement is
hereby amended by deleting the date "December 15, 2003" set forth therein and
replacing the same with the date "December 13, 2004."

        2. Addition of New Lenders. To reflect the fact that certain financial
institutions which are not currently Short Term Lenders may desire to become
Short Term Lenders under the Credit Agreement, any such financial institution
signing below as an "Applicant Financial Institution" (and defined herein as
such) shall become a "Short Term Lender" under the Credit Agreement as of the
Effective Date, and shall be deemed approved by each of the Company and the
Managing Administrative Agent pursuant to Paragraph 14(a) of the Credit
Agreement, on the following terms and conditions:

               (a) Each such Applicant Financial Institution hereby acknowledges
and agrees that from and after the Effective Date it will be a "Short Term
Lender" under the Credit

<PAGE>
                                                                               2

Agreement and the other Credit Documents with all the rights and benefits and
with all the obligations of the Short Term Lenders thereunder.

               (b) On and after the Effective Date, the Maximum Short Term
Facility Commitment and Short Term Swing Line Commitment of each such Applicant
Financial Institution shall be consistent with the Commitment Schedule attached
hereto as Annex 1 (the "Replacement Commitment Schedule") and, if necessary,
each such Applicant Financial Institution hereby agrees to purchase on the
Effective Date and to accept the assignment and transfer of a portion of the
Maximum Short Term Facility Commitments and, as applicable, the Short Term
Swingline Commitments held by the Existing Short Term Lenders consistent with
the Replacement Commitment Schedule.

               (c) The Managing Administrative Agent hereby waives: (1) receipt
of any Additional Lender Agreement or Assignment Agreement that would otherwise
be required to be executed and delivered by such Applicant Financial Institution
pursuant to Paragraph 14(a)(2)(iii) of the Credit Agreement, and (2) the
registration fee of $3,500.00 required to be delivered by each Applicant
Financial Institution pursuant to Paragraph 14(a)(2)(iv) of the Credit
Agreement.

        3. Reallocation of Commitments. Notwithstanding whether any Applicant
Financial Institution becomes a "Short Term Lender" under the Credit Agreement
on the Effective Date pursuant to Paragraph 2 above, no later than 12:30 p.m.
(Los Angeles time) on the Effective Date, each Short Term Lender signing this
Amendment (including each Applicant Financial Institution, if any) will pay to
the Managing Administrative Agent any amount necessary to cause such Short Term
Lender's Short Term Facility Percentage Share of Short Term Loans outstanding
and, as applicable, such Short Term Lender's Short Term Swing Line Percentage
Share of Short Term Swing Loans outstanding to be consistent with the
Replacement Commitment Schedule, and the Managing Administrative Agent shall
thereupon remit to the Existing Short Term Lenders, as applicable, their shares
of such funds. Fees and interest accrued with respect to Short Term Loans and
Short Term Swing Loans to but not including the Effective Date shall be payable
to the Existing Short Term Lenders in accordance with their respective Short
Term Facility Percentage Shares and Short Term Swing Line Percentage Shares, as
appropriate, in effect prior to the Effective Date.

        4. Agents. Effective as of the Effective Date, the Agents under the
Credit Documents shall be as set forth below:

<TABLE>
<S>                                    <C>
-------------------------------------- -----------------------------------------
  Bank of America, N.A.                          Managing Administrative Agent;
                                                    Administrative Agent
-------------------------------------- -----------------------------------------
   JPMorgan Chase Bank                              Administrative Agent
-------------------------------------- -----------------------------------------
       Bank One, NA                                Co-Syndication Agents
     Deutsche Bank AG
-------------------------------------- -----------------------------------------
   The Bank of New York                             Documentation Agent
-------------------------------------- -----------------------------------------
</TABLE>

<PAGE>
                                                                               3

        5. Reaffirmation of Credit Documents. Each of the Company, the Parent
and each Subsidiary Guarantor hereby affirms and agrees that: (a) other than as
expressly set forth herein, the execution and delivery by the Company, the
Parent and each Subsidiary Guarantor of and the performance of its obligations
under this Amendment shall not in any way amend, impair, invalidate or otherwise
affect any of the obligations of the Company, the Parent or any Subsidiary
Guarantor, or the rights of the Lenders, under the Credit Agreement and each
other Credit Document or any other document or instrument made or given by the
Company, the Parent or any Subsidiary Guarantor in connection therewith, (b) the
term "Obligations" as used in the Credit Documents includes, without limitation,
the Obligations of the Company under the Credit Agreement as amended hereby, and
(c) except as expressly amended hereby, the Credit Documents remain in full
force and effect as written.

        6. Effective Date. This Amendment shall be effective on and as of the
day and year first above written (the "Effective Date") subject to the delivery
to the Managing Administrative Agent of the following:

               (a) A copy of this Amendment, duly executed by the parties
hereto.

               (b) A copy of the Short Term Facility Fee Letter, duly executed
by the Company and each of the Short Term Lenders.

               (c) If any of the Applicant Financial Institutions has requested
a promissory note or promissory notes in favor of such Applicant Financial
Institution as evidence of the Obligations held by such Applicant Financial
Institution, a duly executed copy of such promissory note or promissory notes.

               (d) Such corporate resolutions, incumbency certificates and other
authorizations from the Company, the Parent and each Subsidiary Guarantor as the
Managing Administrative Agent may reasonably request.

               (e) A legal opinion of counsel to the Company, the Parent and
each Subsidiary Guarantor in form and substance reasonably satisfactory to the
Agents.

               (f) Evidence satisfactory to the Agents that all fees and
expenses payable to the Agents and the Lenders prior to or on the Effective Date
have been paid in full.

        7. Counterparts. This Amendment may be executed in any number of
counterparts, each of which when so executed shall be deemed to be an original
and all of which when taken together shall constitute one and the same
agreement.

        8. Representations and Warranties. Each of the Company, the Parent and
each Subsidiary Guarantor hereby represents and warrants to the Lenders and the
Managing Administrative Agent as follows:

               (a) Each of the Company, the Parent and each Subsidiary Guarantor
has the corporate power and authority and the legal right to execute, deliver
and perform this Amendment and has taken all necessary corporate action to
authorize the execution, delivery and performance of this Amendment. This
Amendment has been duly executed and delivered on

<PAGE>
                                                                               4

behalf of the Company, the Parent and each Subsidiary Guarantor and constitutes
the legal, valid and binding obligation of the Company, the Parent and each
Subsidiary Guarantor enforceable against each such Person in accordance with its
terms.

               (b) At and as of the date of execution hereof and both prior to
and after giving effect to this Amendment: (1) the representations and
warranties of the Company, the Parent and each Subsidiary Guarantor contained in
the Credit Agreement and each of the other Credit Documents are accurate and
complete in all respects, (2) there has not occurred an Event of Default or
Potential Default, (3) there has not occurred any material adverse change in the
business, operations, assets or financial or other condition of the Company or
of the Parent and its consolidated Subsidiaries taken as a whole since September
30, 2003 and (4) no action, suit, investigation or proceeding is pending or
threatened in or before any court, arbitrator or Governmental Authority that
would, if decided adversely, have a material adverse effect on the Company or on
the Parent and its consolidated Subsidiaries taken as a whole or on any
transaction contemplated hereby or could have a material adverse effect on the
Company, the Parent or their respective Subsidiaries or any transaction
contemplated hereby or on the ability of the Company, the Parent or any
Subsidiary Guarantor to perform its obligations under any of the Credit
Documents to which it is party.

               (c) The financial statements, respectively dated December 31,
2002 and September 30, 2003, copies of which have heretofore been furnished to
the Managing Administrative Agent and each Lender, are complete and correct and
present fairly in accordance with GAAP the consolidated and consolidating
financial condition of the Parent and its consolidated Subsidiaries at such
dates and the consolidated and consolidating results of their operations and
changes in financial position for the fiscal periods then ended.

                           [Signature pages following]

<PAGE>

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

                                        COUNTRYWIDE HOME LOANS, INC.,
                                        a New York corporation

                                        By /s/ Jennifer Sandefur
                                          --------------------------------------
                                        Name Jennifer Sandefur
                                             -----------------------------------
                                        Title Managing Director and Treasurer
                                              ----------------------------------

ACKNOWLEDGED AND AGREED TO:

COUNTRYWIDE FINANCIAL CORPORATION
(formerly known as Countrywide Credit Industries, Inc.),
a Delaware corporation

By /s/ Jennifer Sandefur
   ----------------------------------
Name Jennifer Sandefur
     --------------------------------
Title Managing Director and Treasurer
      -------------------------------

COUNTRYWIDE HOME LOAN SERVICING LP,
a Texas limited partnership

        By:  COUNTRYWIDE GP, INC.,
             its general partner

             By /s/ Jennifer Sandefur
                ----------------------------------
             Name Jennifer Sandefur
                  --------------------------------
             Title Executive Vice President and Treasurer
                   --------------------------------------

<PAGE>

                                    BANK OF AMERICA, N.A., as Managing
                                    Administrative Agent, Administrative Agent
                                    and a Short Term Lender

                                    By /s/ Elizabeth Kurilecz
                                       --------------------------------------
                                    Name Elizabeth Kurilecz
                                         --------------------------------------
                                    Title Managing Director
                                          -------------------------------------

<PAGE>

                                    JPMORGAN CHASE BANK, as Administrative Agent
                                    and a Short Term Lender

                                    By /s/ Elisabeth H. Schwabe
                                       --------------------------------------
                                    Name Elisabeth H. Schwabe
                                         ------------------------------------
                                    Title Managing Director
                                          -----------------------------------

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    ABN Amro Bank N.V., as a Short Term Lender

                                    By:/s/ Neil R. Stein    /s/ Michael DeMarco
                                       -----------------------------------------
                                       Name: Neil R. Stein  Michael DeMarco
                                       Title: Group Vice    Assistant Vice
                                              President     President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Bank One, NA, as a Short Term Lender

                                    By: /s/ Mark Wasden
                                        ----------------------------------------
                                        Name: Mark Wasden
                                        Title: Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Barclays Bank PLC, as a Short Term Lender

                                    By: /s/ Alison McGuigan
                                        ----------------------------------------
                                        Name: Alison McGuigan
                                        Title: Associate Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    BNP Paribas, as a Short Term

                                    Lender

                                    By: /s/ Pierre Nicholas Rogers
                                        ----------------------------------------
                                        Name: Pierre Nicholas Rogers
                                        Title:  Managing Director

                                        /s/ Sandra F. Bertram
                                            Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    CIBC, Inc., as a Short Term Lender

                                    By: /s/ Gerald Girardi
                                        ----------------------------------------
                                        Name: Gerald Girardi
                                        Title: Executive Director
                                              CIBC World Markets Corp., as Agent

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Citicorp USA, Inc., as a Short Term Lender

                                    By: /s/ Yoko Otani
                                        ----------------------------------------
                                        Name: Yoko Otani
                                        Title: Managing Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    COMMERZBANK AG, NEW YORK AND GRAND CAYMAN
                                    BRANCEHS, as a Short Term Lender

                                    By: /s/ Yangling J. Si
                                        ----------------------------------------
                                        Name: Yangling J. Si
                                        Title: Assistant Vice President

                                    By: /s/ Karla Wirth
                                        ----------------------------------------
                                        Name: Karla Wirth
                                        Title: Assistant Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    CREDIT LYONNAIS NEW YORK BRANCH, as a Short
                                    Term Lender

                                    By: /s/ Kenneth Ricciardi
                                        ----------------------------------------
                                        Kenneth Ricciardi
                                        Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Deutsche Bank AG, New York Branch, as a
                                    Short Term Lender

                                    By: /s/ Kevin M. McCann
                                        ----------------------------------------
                                        Name: Kevin M. McCann
                                        Title: Managing Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Fifth Third Bank, Cincinnati, OH, as a Short
                                    Term Lender

                                    By: /s/ Gary S. Losey
                                        ----------------------------------------
                                        Name: Gary S. Losey
                                        Title: AVP- Relationship Manager

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    HSBC Bank USA, as a Short Term Lender

                                    By: /s/ Paul M. Lopez
                                        ----------------------------------------
                                        Name: Paul M. Lopez
                                        Title: FVP

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    NORDDEUTSCHE LANDESBANK GIROZENTRALE NEW
                                    YORK AND/OR CAYMAN ISLANDS BRANCH, as a
                                    Short Term Lender

                                    By: /s/ Georg L. Peters
                                        ----------------------------------------
                                        Name: Georg L. Peters
                                        Title: Vice President

                                    By: /s/ Kathleen Alvarez
                                        ----------------------------------------
                                        Name: Kathleen Alverez
                                        Title: Assistant Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Royal Bank of Canada, as a Short Term Lender

                                    By: /s/ Scott Umbs
                                        ----------------------------------------
                                        Name: Scott Umbs
                                        Title: Authorized Signatory

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Societe Generale, as a Short Term Lender

                                    By: /s/ Charles D. Fischer, Jr.
                                        ----------------------------------------
                                        Name: Charles D. Fischer, Jr.
                                        Title: Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    The Bank of New York, as a Short Term Lender

                                    By: /s/ Paul Connolly
                                        ----------------------------------------
                                        Name: Paul Connolly
                                        Title: Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    UNION BANK OF CALIFORNIA, N.A., as a Short
                                    Term Lender

                                    By: /s/ Albert W. Kelley
                                        ----------------------------------------
                                        Name: Albert W. Kelley
                                        Title: Vice President

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    Wachovia Bank, National Association, as a
                                    Short Term Lender

                                    By: /s/ Thomas Stitchberry
                                        ----------------------------------------
                                        Name: Thomas Stitchberry
                                        Title: Managing Director

<PAGE>

                                    SIGNATURE PAGE TO THE FOURTH AMENDMENT,
                                    DATED AS OF DECEMBER 15, 2003, TO THE
                                    REVOLVING CREDIT AGREEMENT, DATED AS OF
                                    DECEMBER 17, 2001, AMONG COUNTRYWIDE HOME
                                    LOANS, INC., BANK OF AMERICA, N.A., AS
                                    MANAGING ADMINISTRATIVE AGENT, BANK OF
                                    AMERICA, N.A. AND JPMORGAN CHASE BANK, AS
                                    ADMINISTRATIVE AGENTS, THE BANK OF NEW YORK,
                                    AS DOCUMENTATION AGENT, BANK ONE, NA AND
                                    DEUTSCHE BANK AG, AS CO-SYNDICATION AGENTS,
                                    THE OTHER FACILITY AGENTS AND THE LENDERS
                                    PARTY THERETO

                                    NAME OF INSTITUTION:

                                    WestLB AG, New York Branch, as a Short Term
                                    Lender

                                    By: /s/ Salvatore Battinelli
                                        ----------------------------------------
                                        Name: Salvatore Battinelli
                                        Title: Managing Director

                                    By: /s/ Lillian Tung Lum
                                        ----------------------------------------
                                        Name: Lillian Tung Lum
                                        Title: Executive Director

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