Document:

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                                  EXHIBIT 10.37

                             AGREEMENT IN RESPECT OF
                          TERMINATION OF LOAN PURCHASE
                             AND SERVICING AGREEMENT

        This Agreement in Respect of Termination of Loan Purchase and Servicing
Agreement ("Agreement") is entered into effective as of this 30th of April,
2003, by and between Bank One, N.A., national banking association with its main
office in Columbus, Ohio ("Bank One") and First Consumer Credit, Inc. ("FCC"), a
Texas corporation as assignee of First Consumer Credit, L.L.C. (collectively the
"Parties").

                                   -RECITALS-

        WHEREAS, the parties entered into a Loan Purchase and Servicing
Agreement dated effective as July 31, 2001, as amended from time to time (the
"Loan Purchase Agreement");

        WHEREAS, prior to entering into the Loan Purchase Agreement, the parties
entered into a Home Improvement Contract Purchase Agreement dated as of October
29, 1997, a Loan Purchase and Servicing Agreement dated as of May 11, 2000, a
Loan Purchase and Servicing Agreement dated as of July 22, 1999, a Loan Purchase
and Servicing Agreement dated as of December 19, 1996 and various other
contracts and agreements (the term "Loan Purchase Agreement" defined hereinabove
shall be deemed to include each of the foregoing agreements, as amended from
time to time);

        WHEREAS, James D. Borschow ("Borschow") and Bank One entered into a
Service Maintenance Agreement dated as of May 11, 2000, as amended on August 1,
2001 (the term "Loan Purchase Agreement" as defined hereinabove shall be deemed
to include said Service Maintenance Agreement);

        WHEREAS, in contemplation of the Loan Purchase Agreement, Bank One and
FCC entered into a Standby Servicing Agreement with Compu-Link Loan Service,
Inc. dated as of September 14, 2000, as amended August 2, 2001 (the term "Loan
Purchase Agreement" as defined hereinabove shall be deemed to include the
Standby Servicing Agreement);

        WHEREAS, the Parties desire to terminate the Loan Purchase Agreement and
for FCC to purchase the loans listed on Exhibit A (the "Loan Portfolio") and to
provide to each other a mutual release;

        IT IS HEREBY AGREED as follows:

        (1)     The Loan Purchase Agreement is hereby terminated.

        (2)     Bank One agrees to sell and FCC agrees to purchase the Loan
                Portfolio with such purchase and sale to be effective upon the
                receipt by Bank One of the Total Purchase Price in certified
                funds on or before May 31, 2003 (the "Closing Date"). The
                Closing Date may be extended by mutual written consent o the
                Parties. The principal portion of the Purchase Price shall be
                the sum of:

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                (a)     current and not impaired loans: 1.0575 times the then
                        current (the term "then current" for purposes of this
                        Agreement shall mean through the date proceeding the
                        Closing Date) outstanding principal balance; plus

                (b)     current but impaired loans: 0.75 times the then current
                        outstanding principal balance; plus

                (c)     greater than thirty (30) days: 0.00 times the then
                        current outstanding principal balance; plus

                (d)     charge-offs: 0.00 times the then current outstanding
                        principal balance.

                For example, if the purchase was effective as of March 24, 2003
                on which date the principal balances on the loans are as set
                forth in Exhibit "B", the principal portion of the Purchase
                Price would be $27,993,134.14. This amount is arrived at by
                multiplying 1.0575 X (line 1 - line 2 - line 5 - line 7) +
                multiplying 0.75 X (line 5 + line 7). Charged off accounts are
                not shown on Exhibit "B". To arrive at the Total Purchase Price,
                in addition to the foregoing principal payment, all outstanding
                accrued interest on the current loans and on the current and
                impaired loans, shall be paid on a dollar for dollar basis
                through the date of payment.

        (3)     All payments of principal and interest received through Closing
                Date shall be for the account of Bank One.

        (4)     In addition to the foregoing, FCC agrees to reimburse Bank One
                at the rate of $1.10 per dollar for those loans purchased since
                December 31, 2002 which Bank One put back as declines as
                reflected on Exhibit "C".

        (5)     Bank One agrees to release the funds in the Bank One Reserve
                Account No. 000001575106529 in the approximate amount of
                $33,000.00.

        (6)     FCC agrees to waive the service fees for the month of April in
                the approximate amount of $34,000.00, and if such fees have been
                paid by Bank One, FCC will reimburse Bank One for said sums.

        (7)     The Parties agree to prorate the servicing fees for the month of
                May based upon the number of elapsed days in the month of May
                divided by 30. FCC will continue, should Bank One so request, to
                service loan files not purchased hereunder, pursuant to a new
                servicing agreement on the same terms and conditions currently
                in effect between the parties.

        (8)     Bank One and FCC do, hereby waive and renounce completely any
                and all claims and/or causes of actions each has, possesses
                and/or presently could assert against the other and/or any and
                all of the other's predecessors, affiliates, parents, employees,
                officers, directors, shareholders, attorneys, agents, and
                insurers (collectively the "Released Parties"), by reason of any
                transactions, matters, statements, causes or acts done, known or
                unknown, arising directly or indirectly, out of the Loan
                Purchase Agreement. Bank One and James D. Borschow do hereby
                waive and renounce completely any and all claims and/or causes
                of actions each has, possesses and/or presently could assert
                against the other and/or any and

                                     Page 2

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                all of the other's predecessors, affiliates, parents, employees,
                officers, directors, shareholders, attorneys, agents, and
                insurers (collectively the "Released Parties"), by reason of any
                transactions, matters, statements, causes or acts done, known or
                unknown, arising directly or indirectly, out of the Loan
                Purchase Agreement. The parties expressly agree that this
                Agreement and the release herein provided is intended to be as
                broad and inclusive as possible under the laws of the State of
                Ohio and that should any portion thereof be held invalid, the
                balance shall continue in full legal force and effect.

        (9)     Entire Agreement. The Parties acknowledge that this writing is
                their entire agreement and that no promises or covenants not set
                forth or referred to herein have been relied upon by them in
                entering into this Agreement. This Agreement cannot be modified
                unless such modification shall be made in writing and signed by
                the Parties to be bound thereto. This Agreement shall be
                construed without regard to any presumption or any other rule
                requiring construction against the Party who caused it to have
                been drafted. Faxed executed copies and counterparts to this
                Agreement shall be considered as originals. Any Party breaching
                this Agreement shall be liable for court costs and attorneys
                fees. Each individual signing this Agreement represents and
                warrants it does so with the full authority of the entity it is
                signing on behalf of.

        (10)    Bank One agrees, promptly upon execution of this Agreement by
                the Parties, to deliver all loan files to Bank One's custodian
                (U.S. Bank Corporate Trust Services, 180 East Fifth Street, St.
                Paul, Minnesota 55101 Phone: 651-244-0727 Fax: 651-244-1797) for
                loan file document inspection and review, which shall be
                completed not later than six (6) business days following receipt
                of such files. FCC shall pay all fees of U.S. Bank.

        (11)    Notwithstanding anything to the contrary contained herein,
                closing of the transactions contemplated in this Agreement shall
                not take place until FCC is satisfied, in its reasonable
                discretion, as to the document sufficiency of the loan files,
                provided, however, that in no event shall Bank One be obligated
                to deliver to FCC more documentation than was originally
                delivered to Bank One by FCC.

        (12)    FCC shall not be obligated to purchase any loan files which it
                deems, in its reasonable discretion, to be insufficient as to
                documentation. Exhibit "D" sets forth the minimum required
                documents which must be present in each loan file. In the event
                that more than five percent (5.0%) of the Loan Portfolio is
                deemed to be ineligible for purchase by FCC due to documentation
                sufficiency, then, FCC may, by written notice to Bank One within
                three (3) business days of the completion of the U.S. Bank
                document inspection and review:

                (a)     terminate this Agreement and purchase none of the Loan
                        Portfolio and reinstate the Loan Purchase Agreement; or,

                (b)     purchase that portion of the Loan Portfolio which is
                        sufficiently documented, in which case this Agreement
                        remains in full force and effect and the Loan Purchase
                        Agreement shall remain terminated.

                                     Page 3

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        (13)    Notwithstanding the foregoing, however, for any loan file
                rejected by FCC due to insufficient documentation, Bank One
                shall have the option, but not the requirement, to remedy the
                documentation insufficiencies within 10 days of FCC's written
                notice described immediately above. Bank One may then present
                such remedied loan files to FCC, and FCC shall purchase any such
                remedied loan files under the same terms and conditions of
                purchase set forth in this Agreement.

                                        BANK ONE, N.A.

                                        By:     /s/ Kerry D. Shreffler
                                           -------------------------------------
                                           Kerry D. Shreffler

                                        FIRST CONSUMER CREDIT, INC.

                                        By:     /s/ James D. Borschow
                                           -------------------------------------
                                           James D. Borschow

                                                /s/ James D. Borschow
                                           -------------------------------------
                                           James D. Borschow, Personally

                                     Page 4<PAGE>

                                  EXHIBIT 10.38

                                 PROMISSORY NOTE

$4,000,000.00                     DALLAS, TEXAS                     MAY 23, 2003

        FOR VALUE RECEIVED, the undersigned, FIRST CONSUMER CREDIT, INC. (the
"Maker") hereby unconditionally promises to pay to the order of FIRST SAVINGS
BANK, A F.S.B. ("Payee"), at 301 S. Center, P. O. Box 1959, Arlington, Texas
76004-1959, or such other address given to Maker by Payee, the principal sum of
FOUR MILLION AND NO/100 DOLLARS ($4,000,000.00), or so much thereof as may be
advanced prior to maturity, in lawful money of the United States of America,
together with interest (calculated on the basis of a 365-day year), on the
unpaid principal balance from day to day remaining, computed from the date of
advance until maturity at the rate per annum which shall from day to day be
equal to the lesser of (a) the Maximum Rate, or (b) the Stated Rate.
Notwithstanding the foregoing, if at any time, the Stated Rate shall exceed the
Maximum Rate, thereby causing the interest upon this Note to be limited to the
Maximum Rate, then any subsequent increases in the Maximum Rate causing the
Maximum Rate to again exceed the Stated Rate shall not reduce the rate of
interest charged hereunder below the Maximum Rate until the total amount of
interest accrued hereon equals the amount of interest which would have accrued
hereon if the Stated Rate had at all times been in effect.

        Section 1. Definitions. When used in this Note, the following terms
shall have the respective meanings specified herein or in the section referred
to:

        "Business Day" shall mean a day upon which business is transacted by
national banks in Arlington, Texas.

        "Collateral Documents" shall mean any deed of trust, mortgage, security
agreement, security agreement and pledge, guaranty or other Collateral Documents
executed in connection herewith and securing payment of this Note.

        "Deed of Trust" shall mean that certain Deed of Trust (With Security
Agreement, Assignment of Rents and Financing Statement) dated of even date
herewith from Chickadee Partners, L.P. to Richard J., Trustee, covering the
Mortgaged Property (which is defined therein) located in Brevard, Transylvania
County, North Carolina.

        "Event of Default" shall have the meaning ascribed to it in Section 5
hereof.

        "Maximum Rate" shall mean, with respect to the holder hereof, the
highest non-usurious rate of interest, if any, permitted by applicable law on
such day.

PROMISSORY NOTE - PAGE 1

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        "Obligation" shall mean all indebtedness, liabilities and obligations,
of every kind and character, of Maker, now or hereafter existing in favor of
Payee, regardless of whether they are direct, indirect, primary, secondary,
joint, several, joint and several, liquidated, unliquidated, fixed or
contingent, and regardless of whether the same may, prior to their acquisition
by Payee, be or have been payable to some other persons or entity, including,
but not limited to, all indebtedness, liabilities and obligations arising under
this Note and under the Collateral Documents.

        "Prime Rate" shall mean the prime rate of interest for commercial
borrowings published from time to time by the Wall Street Journal.

        "Stated Rate" shall mean a fluctuating rate of interest per annum equal
to the Prime Rate.

        Section 2. Payment. The principal balance of the Note, together with
accrued and unpaid interest thereon, shall be due and payable as follows:

        (a)     Interest only on this Note, computed as aforesaid, shall be due
                and payable monthly as it accrues, commencing on June 23, 2003
                and continuing on the 23rd calendar day of each succeeding
                calendar month through and including May 23, 2004; and

        (b)     Principal on this Note shall be due and payable on May 23, 2004
                (the "Maturity Date").

        Should the principal of, or any installment of the principal of or
interest upon, this Note become due and payable on any day other than a business
day, the maturity thereof shall be extended to the next succeeding business day,
and interest shall be payable with respect to such extension. All payments of
principal of and interest on this Note shall be made by Maker to Payee in
federal or other immediately available funds. Payments made to Payee by Maker
hereunder shall be applied first to accrued interest and then to principal.

        In the event that Payee has not received any payment due an owing
hereunder on or before the 10th day following the date such payment is due, then
Payee may, at it sole option and without notice to Maker, charge and collect
from Maker a late payment in an amount equal five percent (5%) of the amount of
the past due and owing payment.

        All past due principal of and, to the extent permitted by applicable
law, interest upon this Note shall bear interest at the Maximum Rate, or if no
Maximum Rate is established by applicable law, then at the rate per annum of
eighteen percent (18.0%).

PROMISSORY NOTE - PAGE 2

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        Section 3. Waiver. Maker and each surety, endorser, guarantor, pledgor,
and other party ever liable for payment of any sums of money payable upon this
Note, jointly and severally waive presentment, demand, protest, notice of
protest and non-payment or other notice of default, notice of acceleration and
intention to accelerate or other notice of any kind, and agree that their
liability under this Note shall not be affected by any renewal or extension in
the time of payment hereof, or in any indulgences, or by any release or change
in any security for the payment of this Note, and hereby consent to any and all
renewals, extensions, indulgences, releases or changes, regardless of the number
of such renewals, extensions, indulgences, releases or changes.

        No waiver by Payee of any of its rights or remedies hereunder or under
any other document evidencing or securing this Note or otherwise, shall be
considered a waiver of any other subsequent right or remedy of Payee; no delay
or omission in the exercise or enforcement by Payee of any rights or remedies
shall ever be construed as a waiver of any right or remedy by Payee; and no
exercise or enforcement of any such rights or remedies shall ever be held to
exhaust any right or remedy of Payee.

        Section 4. Security. This Note is secured by, among other collateral,
(i) the Deed of Trust, (ii) a Charles Schwab & Co., Inc. Account, Account
#5882-7340, in the name of Chrystine B. Roberts and Mark A. Roberts Joint
Tenants, (iii) a Southwest Securities, Inc. Account, Account #155156765, in the
name of Angela Buchholz Children's Trust, and (iv) a Southwest Securities, Inc.
Account, Account #155146394, in the name of Don A. Buchholz (items (i), (ii),
(iii) and (iv) in this Section 4 are hereinafter collectively referred to as the
"Security"). Notwithstanding anything to the contrary stated herein or in any of
the Collateral Documents, if, at any time during the term hereof, the aggregate
value of the Security shall be less than one hundred and thirty percent (130%)
of the outstanding balance of this Note, including accrued and unpaid interest,
then Maker shall immediately provide additional collateral to Payee in an amount
or amounts necessary to increase the aggregate value of the collateral for this
Note to an amount equal to or greater than one hundred and thirty percent (130%)
of the outstanding balance of the Note.

        Section 5. Events of Default and Remedies. An "Event of Default" shall
exist hereunder if any one or more of the following events shall occur and be
continuing: (a) Maker shall fail to pay when due any principal of, or interest
upon, this Note or the Obligation; (b) any representation or warranty made by
Maker or Guarantor to Payee herein or in any of the Collateral Documents shall
prove to be untrue or inaccurate in any material respect; (c) default shall
occur in the performance of any of the covenants or agreements of Maker
contained herein or in the Collateral Documents or in any other document
executed or delivered to Payee in connection herewith; (d) default shall occur
in the payment of any material indebtedness of Maker or Guarantor, or any such
indebtedness shall become due before its stated maturity by acceleration of the
maturity thereof or otherwise or shall become due by its terms and shall not be
promptly paid or extended; (e) any of the Collateral Documents shall cease to be
legal, valid, binding agreements enforceable against any party executing the
same in accordance with the respective terms thereof or shall in any way be
terminated or become or be declared ineffective or inoperative or shall in any
way whatsoever cease to give or provide the respective liens, security
interests, rights, titles, interests, remedies, powers or privileges intended to
be created thereby; (f) Maker or Guarantor shall (1)

PROMISSORY NOTE - PAGE 3

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apply for or consent to the appointment of a receiver, trustee, intervenor,
custodian or liquidator of itself or of all or a substantial part of its assets,
(2) be adjudicated a bankrupt or insolvent or file a voluntary petition for
bankruptcy or admit in writing that it is unable to pay its debts as they become
due, (3) make a general assignment for the benefit of creditors, (4) file a
petition or answer seeking reorganization or an arrangement with creditors or to
take advantage of any bankruptcy or insolvency laws, or (5) file an answer
admitting the material allegations of, or consent to, or default in answering, a
petition filed against it in any bankruptcy, reorganization or insolvency
proceeding, or take corporate action for the purpose of effecting any of the
foregoing; (g) an order, judgment or decree shall be entered by any court of
competent jurisdiction or other competent authority approving a petition seeking
reorganization of Maker or Guarantor or appointing a receiver, trustee,
intervenor or liquidator of any such person, or of all or substantially all of
its or their assets, and such order, judgment or decree shall continue unstated
and in effect for a period of sixty (60) days; (h) the guaranty agreement
executed by any Guarantor in connection with the indebtedness evidenced by this
Note shall for any reason cease to be in full force and effect, or be declared
null and void or unenforceable in whole or in part; or the validity or
enforceability of such guaranty agreement shall be challenged or denied by
Guarantor; (i) Payee's liens, mortgages or security interests in any of the
collateral for this Note should become unenforceable, or cease to be first
priority liens, mortgages or security interests; (j) the death, disability or
legal incapacity of Make or Guarantor; or (k) the dissolution or termination of
Maker.

        If Maker fails or refuses to pay any part of the principal of or
interest upon this Note or the Obligation as the same becomes due, or upon the
occurrence of any Event of Default hereunder or under any other agreement or
instrument securing or assuring the payment of this Note or executed in
connection therewith, including, without limitation, the Collateral Documents,
then in any such event the holder hereof may, at its option, (i) declare the
entire unpaid balance of principal of and accrued interest upon the Obligation
to be immediately due and payable without presentment or notice of any kind
which Maker waives pursuant to Section 3 herein, (ii) reduce any claim to
judgment; and/or (iii) pursue and enforce any of Payee's rights and remedies
available pursuant to any applicable law or agreement including, without
limitation, foreclosing all liens and security interests securing payment
thereof or any part thereof; provided, however, in the case of any Event of
Default specified in Paragraph (f) or (g) above with respect to Maker, without
any notice to Maker or any other act by Payee, Maker's right to request advances
under this Note shall thereupon terminate and the principal of and interest
accrued on this Note shall become immediately due and payable without
presentment, demand, protest or other notice of any kind, all of which are
hereby waived by Maker.

        If Payee makes an advance hereunder at any time that an Event of Default
has occurred hereunder and is continuing (which Payee is in no event obligated
to do), such act shall not be deemed to be a waiver of Payee's right to require
the satisfaction of all conditions set forth herein, prior to Payee's being
obligated to make any further advance hereunder. If Payee does so make an
advance or advances hereunder, any failure thereafter by Maker to promptly
comply with all requirements set forth herein upon demand by Payee to so do
shall constitute a default under this Note.

PROMISSORY NOTE - PAGE 4

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        Section 6. Notice. Whenever this Note requires or permits any notice,
approval, request or demand from one party to another, the notice, approval,
request or demand must be in writing and shall be deemed to have been given when
personally served or when deposited in the United States mails, registered or
certified, return receipt requested, addressed to the party to be notified at
the following address (or at such other address as may have been designated by
written notice):

        Payee:        First Savings Bank, A. F.S.B.
                      301 S. Center Street
                      Arlington, Texas 76004
                      Attention: Ken Kizer, Vice President

        Maker: First Consumer Credit, Inc.
                      12740 Hillcrest Rd.
                      Suite 240
                      Dallas, Texas  75230
                      Attn: James D. Borschow, President

        In the event that the holder hereof shall fail to give notice of default
to Maker as provided herein, the sole and exclusive remedy of Maker for such
failure shall be to seek appropriate equitable relief to enforce this agreement
to give such notice and to have any acceleration of the maturity hereof
postponed or revoked and foreclosure proceedings in connection therewith delayed
or terminated pending or upon the curing of such default in the manner and
during the period of time hereinbefore set out, and Maker shall have no right to
damages or any other type of relief not herein specifically set out against the
holder hereof, all of which damages or other relief are expressly waived by
Maker. The foregoing is not intended and shall not be deemed under any
circumstances to require the holder hereof to give notice of any type or nature
to Maker not expressly required by other provisions of this Note.

        Section 7. Usury Laws. Regardless of any provisions contained in this
Note, the Payee shall never be deemed to have contracted for or be entitled to
receive, collect or apply as interest on the Note, any amount in excess of the
highest lawful rate, and, in the event Payee ever receives, collects or applies
as interest any such excess, such amount which would be excessive interest shall
be applied to the reduction of the unpaid principal balance of this Note, and,
if the principal balance of this Note is paid in full, any remaining excess
shall forthwith be paid to Maker. In determining whether or not the interest
paid or payable under any specific contingency exceeds the highest lawful rate,
Maker and Payee shall, to the maximum extent permitted under applicable law, (i)
characterize any non-principal payment (other than payments which are expressly
designated as interest payments hereunder) as an expense, fee, or premium,
rather than as interest, (ii) exclude voluntary prepayments and the effect
thereof, and (iii) spread the total amount of interest throughout the entire
contemplated term of this Note so that the interest rate is uniform throughout
such term.

PROMISSORY NOTE - PAGE 5

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        Section 8. Costs. The loan evidenced by this Note shall be closed
without expense to Payee, it being understood and agreed that all expenses
necessary and usual to a transaction of this kind shall be paid by Maker, such
expenses to include but not to be limited to: (i) title insurance premiums and
other related title insurance company costs; (ii) recording fees; (iii) costs of
the survey of the Property; (iv) reasonable attorneys' fees arising in
connection with the negotiation and preparation of this Note and all documents
to be executed in connection with this Note, and (v) loan brokerage, finders' or
similar fees. If this Note is placed in the hands of an attorney for collection,
or if it is collected through any legal proceeding at law or in equity, or in
bankruptcy, receivership, or other court proceedings, Maker agrees to pay all
costs of collection, including, but not limited to, court costs and reasonable
attorneys' fees, including all costs of appeal.

        Section 9. Applicable Law. This Note is being executed and delivered,
and is intended to be performed in the State of Texas. Except to the extent that
the laws of the United States may apply to the terms hereof, the substantive
laws of the State of Texas shall govern the validity, construction, enforcement
and interpretation of this Note. In the event of a dispute involving this Note
or any other instruments executed in connection herewith, the undersigned
irrevocably agrees that venue for such dispute shall lie in any court of
competent jurisdiction in Tarrant County, Texas.

        Section 10. Covenants and Approvals. Maker and each surety, endorser,
guarantor, pledgor and other party ever liable for payment of sums of money
payable upon this Note, jointly and severally acknowledge and agree that, except
for the approvals and consents previously provided to Payee in writing, no
approval, consent, order or authorization of any governmental authority or third
party is required for the execution of this Note and the Collateral Documents
and, when executed, this Note and the Collateral Documents create binding
obligations on the signors thereof.

                           MAKER:

                           FIRST CONSUMER CREDIT, INC.

                           By:         /s/ James D. Borschow
                              ----------------------------------------
                                    James D. Borschow, President

3382344v1

PROMISSORY NOTE - PAGE 6

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