Document:

Amendment Number Four to the letter Agreement dated 12/29/2003

 EXHIBIT 10.2 
  
 AMENDMENT NUMBER FOUR 
 to the 
 Letter Agreement 
 dated as of January 1, 2002 
 by and among 
 NEW CENTURY MORTGAGE CORPORATION 
 NC CAPITAL CORPORATION 
 and 
 CITIGROUP GLOBAL MARKETS REALTY CORP.

 (as successor to SALOMON BROTHERS REALTY CORP.) 
  
 This AMENDMENT NUMBER FOUR (this “Amendment”) is made this 29th day of December, 2003, among NEW CENTURY MORTGAGE CORPORATION, having an address
at 18400 Von Karman, Irvine, California 92612 (“New Century”), NC CAPITAL CORPORATION, having an address at 18400 Von Karman, Irvine, California 92612 (“NCCC”) and CITIGROUP GLOBAL MARKETS REALTY CORP. (as successor to SALOMON
BROTHERS REALTY CORP.), having an address at 390 Greenwich Street, New York, New York 10013 (“Citigroup”) to the LETTER AGREEMENT, dated as of January 1, 2002, among New Century, NCCC and Citigroup, as amended pursuant to Amendment Number
One, dated December 23, 2002, Amendment Number Two, dated April 30, 2003 and Amendment Number Three, dated September 16, 2003 (the “Letter Agreement”). 
  
 RECITALS 
  
 WHEREAS, New Century and NCCC have requested that Citigroup agree to amend the Letter Agreement to extend the term thereof as more expressly set forth
below and Citigroup has agreed to such request. 
  
 WHEREAS, as of
the date of this Amendment, each of New Century and NCCC represents to Citigroup that it is in compliance with all of the representations and warranties and all of the affirmative and negative covenants set forth in the Letter Agreement and the
Purchase and Sale Agreement, dated as of January 1, 2002, among NCCC, New Century and Citigroup (the “Purchase and Sale Agreement”) and is not in default under the Letter Agreement or the Purchase and Sale Agreement. 
  
 NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and of the mutual covenants herein contained, the parties hereto hereby agree as follows: 
  
 SECTION 1. Effective as of December 29, 2003, Paragraph 1(a) of the Letter Agreement is hereby amended by replacing the two occurrences of “December
31, 2003” with “March 31, 2004”. 
  
 SECTION 2.
Fees and Expenses. NCCC agrees to pay to Citigroup all fees and out of pocket expenses incurred by Citigroup in connection with this 

 Amendment (including all reasonable fees and out of pocket costs and expenses of Citigroup’s legal counsel incurred
in connection with this Amendment), in accordance with Paragraph 5(i) of the Letter Agreement. 
  
 SECTION 3. Defined Terms. Any terms capitalized but not otherwise defined herein shall have the respective meanings set forth in the Letter Agreement. 
  
 SECTION 4. Representations. In order to induce Citigroup to execute and deliver this Amendment, NCCC and New Century hereby
represent to Citigroup that as of the date hereof, after giving effect to this Amendment, each of NCCC and New Century is in full compliance with all of the terms and conditions of the Letter Agreement and the Purchase and Sale Agreement and no
Termination Event or material adverse change has occurred under the Letter Agreement and no Seller default or Seller Event of Default has occurred under the Purchase and Sale Agreement. 
  
 SECTION 5. Limited Effect. This Amendment shall become effective upon the execution hereof by the parties hereto. Except as
expressly amended and modified by this Amendment, the Letter Agreement shall continue in full force and effect in accordance with its terms. Reference to this Amendment need not be made in the Letter Agreement or any other instrument or document
executed in connection therewith, or in any certificate, letter or communication issued or made pursuant to, or with respect to, the Letter Agreement, any reference in any of such items to the Letter Agreement being sufficient to refer to the Letter
Agreement as amended hereby. 
  
 SECTION 6. GOVERNING LAW. THIS
AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS WITHOUT REGARD TO CONFLICT OF LAWS DOCTRINE APPLIED
IN SUCH STATE (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW). 
  
 SECTION 7. Counterparts. This Amendment may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and
the same instrument. 
  
 [SIGNATURE PAGE FOLLOWS] 

 IN WITNESS WHEREOF, NCCC, New Century and Citigroup have caused this Amendment to be executed and
delivered by their duly authorized officers as of the day and year first above written. 
  

	CITIGROUP GLOBAL MARKETS REALTY CORP.
		
	 By:
	 	/s/    EVAN J. MITNICK
	 	

	 Name:
 Title:
	 	   Evan J. Mitnick
   Director

  

	 NC CAPITAL CORPORATION

		
	 By:
	 	/s/    KEVIN CLOYD
	 	

	 Name:
 Title:
	 	   Kevin Cloyd
   President

  

	 NEW CENTURY MORTGAGE CORPORATION

		
	 By:
	 	/s/    KEVIN CLOYD
	 	

	 Name:
 Title:
	 	   Kevin Cloyd
   Senior Vice President

  
 The undersigned
Guarantor under the Limited Guaranty dated as of January 1, 2002, hereby acknowledges and agrees to the amendment and modification to the Letter Agreement made pursuant to this Amendment. 
  

	 NEW CENTURY MORTGAGE CORPORATION

		
	 By:
	 	/s/    KEVIN CLOYD
	 	

	 Name:
 Title:
	 	   Kevin Cloyd
   Senior Vice PresidentAmendment Number Six to the Master Loan and Security Agreement dated 12/29/2003

 EXHIBIT 10.3 
  
 AMENDMENT NUMBER SIX 
 to the 
 Master Loan and Security Agreement 
 dated as of April 1, 2000 
 by and among 
 NEW CENTURY MORTGAGE CORPORATION 
 NC CAPITAL CORPORATION 
 and 
 CITIGROUP GLOBAL MARKETS REALTY CORP.

 (as successor to SALOMON BROTHERS REALTY CORP.) 
  
 This AMENDMENT NUMBER SIX (this “Amendment”) is made this 29th day of December, 2003, among NEW CENTURY MORTGAGE CORPORATION, having an address
at 18400 Von Karman, Irvine, California 92612 (the “Servicer”), NC CAPITAL CORPORATION, having an address at 18400 Von Karman, Irvine, California 92612 (the “Borrower”) and CITIGROUP GLOBAL MARKETS REALTY CORP. (as successor to
SALOMON BROTHERS REALTY CORP.), having an address at 390 Greenwich Street, New York, New York 10013 (the “Lender”) to the MASTER LOAN AND SECURITY AGREEMENT, dated as of April 1, 2000, among the Lender, the Servicer and the Borrower (as
previously amended and supplemented, the “Loan Agreement”). 
  
 RECITALS 
  
 WHEREAS, the Borrower has requested that the
Lender agree to amend the Loan Agreement to extend the term thereof as more expressly set forth below and the Lender has agreed to such request. 
  
 WHEREAS, as of the date of this Amendment, each of the Borrower and the Servicer represents to the Lender that it is in compliance with all of the
representations and warranties and all of the affirmative and negative covenants set forth in the Loan Agreement and is not in default under the Loan Agreement. 
  

NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and of the mutual covenants herein
contained, the parties hereto hereby agree as follows: 
  
 SECTION
1. Effective as of December 29, 2003, Section 1 of the Loan Agreement is hereby amended by deleting the definition of “Maturity Date” and replacing it with the following: 
  
 “Maturity Date” shall mean December 31, 2004 or such earlier date on which this Loan Agreement shall terminate in
accordance with the provisions hereof or by operation of law.” 

 SECTION 2. Fees and Expenses. The Borrower agrees to pay to the Lender all fees and out of pocket
expenses incurred by the Lender in connection with this Amendment (including all reasonable fees and out of pocket costs and expenses of the Lender’s legal counsel incurred in connection with this Amendment), in accordance with Section 11.03(b)
of the Loan Agreement. 
  
 SECTION 3. Defined Terms. Any terms
capitalized but not otherwise defined herein shall have the respective meanings set forth in the Loan Agreement. 
  
 SECTION 4. Representations. In order to induce the Lender to execute and deliver this Amendment, each of the Borrower and the Servicer hereby represents
to the Lender that as of the date hereof, after giving effect to this Amendment, each of the Borrower and the Servicer is in full compliance with all of the terms and conditions of the Loan Agreement and no Default or Event of Default has occurred
under the Loan Agreement. 
  
 SECTION 5. Limited Effect. This
Amendment shall become effective upon the satisfaction by the Borrower of the conditions precedent set forth in Section 5 of the Loan Agreement. Except as expressly amended and modified by this Amendment, the Loan Agreement shall continue in full
force and effect in accordance with its terms. Reference to this Amendment need not be made in the Loan Agreement or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued or made
pursuant to, or with respect to, the Loan Agreement, any reference in any of such items to the Loan Agreement being sufficient to refer to the Loan Agreement as amended hereby. 
  
 SECTION 6. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE
OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS WITHOUT REGARD TO CONFLICT OF LAWS DOCTRINE APPLIED IN SUCH STATE (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

  
 SECTION 7. Counterparts. This Amendment may be executed by
each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. 
  
 [SIGNATURE PAGE FOLLOWS] 

 IN WITNESS WHEREOF, the Lender, the Borrower and the Servicer have caused this Amendment to be executed
and delivered by their duly authorized officers as of the day and year first above written. 
  

	CITIGROUP GLOBAL MARKETS REALTY CORP.
		
	By:	 	/s/    EVAN J. MITNICK
	 	

	Name:	 	Evan J. Mitnick
	Title:	 	Director
	
	NC CAPITAL CORPORATION
		
	By:	 	/s/    KEVIN CLOYD
	 	

	Name:	 	Kevin Cloyd
	Title:	 	President
	
	NEW CENTURY MORTGAGE CORPORATION
		
	By:	 	/s/    KEVIN CLOYD
	 	

	Name:	 	Kevin Cloyd
	Title:	 	Senior Vice President

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