Document:

THIRTEENTH
        AMENDMENT TO

      AMENDED
        AND RESTATED WAREHOUSING CREDIT AGREEMENT

      

      THIS
        THIRTEENTH AMENDMENT TO AMENDED AND RESTATED WAREHOUSING CREDIT
        AGREEMENT
        (the
“Thirteenth Amendment”) is made and entered into as of the 3rd day of May, 2005,
        by and among (i) (a) UNITED
        FINANCIAL MORTGAGE CORP., an
        Illinois corporation with its principal place of business located at 815
        Commerce Drive, Suite 100, Oak Brook, Illinois 60523 (“United”), and (b)
PLUSFUNDING.COM,
        INC.,
        a
        California corporation with its principal place of business at 5841 Edison
        Place, Second Floor, Carlsbad, California 92008 (“PlusFunding”) (collectively,
        the “Company”), (ii) (a) NATIONAL
        CITY BANK OF KENTUCKY,
        a
        national banking association with a place of business located at 101 South
        Fifth
        Street, Louisville, Kentucky 40202 (“National City”), (b) JP
        MORGAN CHASE BANK, N.A. (successor by merger to BANK ONE, NA, main offices
        Chicago),
        a
        national banking association with its principal place of business located
        in
        Chicago, Illinois (“JP Morgan”), (c) COMERICA
        BANK,
        a
        Michigan banking corporation with its principal place of business located
        at 500
        Woodward Avenue, MC: 3256, Detroit, Michigan 48226 (“Comerica”), (d)
COLONIAL
        BANK, N.A.,
        a
        national banking association with a principal place of business located at
        201
        E. Pine Street, Suite 730, Orlando, Florida 32801 (“Colonial”), and (e)
HSBC
        BANK USA, NATIONAL ASSOCIATION,
        a
        national banking association with its principal place of business at One
        HSBC
        Center, 27th
        Floor,
        Buffalo, New York 14203 (“HSBC”) (National City, Bank One, Comerica, Colonial
        and HSBC are each individually referred to as a “Bank” and collectively as the
“Banks”), and (iii) NATIONAL
        CITY BANK OF KENTUCKY,
        in its
        capacity as Agent for the Banks (in such capacity, the “Agent”). 

       

      P
        R E L I
        M I N A R Y S T A T E M E N T:

      

      A. 
Pursuant
        to that certain Amended and Restated Warehousing Credit Agreement dated as
        of
        August 1, 2003, among the Company, the Banks party thereto and the Agent,
        as
        heretofore amended from time to time (the “Existing Credit Agreement”), the
        Agent and the Banks have established a warehousing line of credit facility
        in
        favor of the Company in the current, temporary maximum principal amount of
        One
        Hundred Forty Million Dollars ($140,000,000.00) (the “Warehouse Line”), for the
        purposes set forth therein.

      

      B. 
The
        Company has now requested that the Agent and Banks amend the Existing Credit
        Agreement in order to (i) extend the temporary increase in the maximum principal
        amount of the Warehouse Line to One Hundred Forty Million Dollars
        ($140,000,000.00) to and until the close of business on August 28, 2005,
        and
        (ii) provide for certain other modifications thereto.

      

      C. 
The
        Agent
        and the Banks are willing to and desire to amend the Existing Credit Agreement
        in the manner described above, upon the terms and conditions set forth
        herein.

      

      NOW,
        THEREFORE, in consideration of the premises and the mutual covenants and
        agreements set forth in the Existing Credit Agreement and herein, and for
        other
        good and valuable consideration, the mutuality, receipt and sufficiency of
        which
        are hereby acknowledged, the parties hereto hereby agree as
        follows:

      

      1. 
Each
        capitalized term used herein, unless otherwise expressly defined herein,
        shall
        have the meaning set forth in the Existing Credit Agreement.

      

      2. 
The
        following definitions, as contained in Article
        1
        of the
        Existing Credit Agreement, are hereby amended and restated in their entirety
        to
        read as follows:

      

        “Total
        Warehouse Line Commitment”
        shall
        mean the total aggregate principal amount of all Warehouse Line Commitments
        as
        determined from time to time in accordance with the provisions of Article
        2
        and
Article
        11
        of this
        Credit Agreement, and shall mean One Hundred Forty Million Dollars
        ($140,000,000.00) to and until the close of business on August 28, 2005,
        subject
        to the right of the Company and the Agent in their sole, joint discretion
        to
        increase such amount by adding one or more Applicant Financial Institutions
        as a
“Bank” or “Banks” hereunder, or as otherwise permitted under Section
        11.1
        hereof.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
 

      “Warehouse
        Line”
        shall
        mean the line of credit established by the Agent and Banks in favor of the
        Company under Article
        2
        of this
        Credit Agreement in the maximum principal amount of One Hundred Forty Million
        Dollars ($140,000,000.00) to and until the close of business on August 28,
        2005,
        subject to the right of the Company and the Agent in their sole, joint
        discretion to increase such amount by adding one or more Applicant Financial
        Institutions as a “Bank” or “Banks” hereunder. 

      

      “Warehouse
        Notes”
        shall
        mean, collectively, (i) that certain Amended and Restated Warehouse Promissory
        Note dated as of May 3, 2005, made by United and PlusFunding, jointly and
        severally, payable to the order of National City, and in the face principal
        amount of Forty-Five Million Dollars ($45,000,000.00), a form of which is
        attached hereto as Exhibit
        C-1
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (ii) that certain Amended
        and Restated Warehouse Promissory Note dated as of March 1, 2005, made by
        United
        and PlusFunding, jointly and severally, payable to the order of JP Morgan,
        and
        in the face principal amount of Twenty-Five Million Dollars ($25,000,000.00),
        a
        form of which is attached hereto as Exhibit
        C-2
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iii) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 3, 2005, made by United
        and PlusFunding, jointly and severally, payable to the order of HSBC, and
        in the
        face principal amount of Twenty-Five Million Dollars ($25,000,000.00), a
        form of
        which is attached hereto as Exhibit
        C-3
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iv) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 3, 2005, made by United
        and PlusFunding, jointly and severally, payable to the order of Comerica,
        and in
        the face principal amount of Twenty Million Dollars ($20,000,000.00), a form
        of
        which is attached hereto as Exhibit
        C-4
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (v) that certain Amended
        and Restated Warehouse Promissory Note dated as of March 1, 2005, made by
        United
        and PlusFunding, jointly and severally, payable to the order of Colonial,
        and in
        the face principal amount of Twenty-Five Million Dollars ($25,000,000.00),
        a
        form of which is attached hereto as Exhibit
        C-5
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, and (vi) when executed
        and
        delivered, any such additional Warehouse Promissory Note, made by the Company,
        payable to the order of any respective Applicant Financial Institution as
        shall
        be added as a “Bank” hereunder, and in the face principal amount of such
        Applicant Financial Institution’s Warehouse Line Commitment, substantially in
        the form of the Warehouse Promissory Note attached hereto as Exhibit
        C-1 (other
        than the amount thereof), as the same may thereafter be amended, modified,
        renewed, replaced and/or restated from time to time.”

      

      3. 
The
        fourth sentence in the first paragraph of Section
        2.1
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “The
        Total Warehouse Line Commitment is equal to One Hundred Forty Million Dollars
        ($140,000,000.00) to and until the close of business on August 28, 2005,
        as may
        be increased by the Company and the Agent in their sole, joint discretion
        by
        adding one or more Applicant Financial Institutions as a “Bank” or “Banks”
        hereunder, or as further permitted under Section
        11.1
        hereof.”

      

      4. 
The
        Existing Credit Agreement is hereby amended by amending and restating
Exhibits
        C-1, C-3, C-5, H and Schedule 2.1 thereof
        to read in their entirety as set forth on Exhibits
        C-1, C-3, C-5, H and Schedule 2.1 attached
        to this Thirteenth Amendment and made a part hereof by this
        reference.

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

      
 

      5.
         
        The
        Company represents and warrants that no Event of Default has occurred to
        date
        under the Existing Credit Agreement or any other Loan Document and that no
        Unmatured Event of Default currently exists under any of the Loan
        Documents.

      

      6. 
This
        Thirteenth Amendment may be executed in one or more counterparts, each of
        which
        shall constitute an original and all of the same shall constitute one and
        the
        same instrument.

      

      7. 
This
        Thirteenth Amendment shall be effective as of the date of delivery to the
        Agent
        of each of the following: (i) this Thirteenth Amendment and each of the other
        agreements and instruments referred to herein or related hereto, each duly
        executed by each of the parties thereto, (ii) the Amended and Restated Warehouse
        Promissory Notes related hereto, each duly executed and delivered by United
        and
        PlusFunding on a joint and several basis, (iii) payment to each of the Banks
        of
        an amendment fee equal to $375.00, and (iv) all such other security documents,
        opinions, instruments and certificates as may be required by Agent or its
        counsel in order to consummate the transactions contemplated herein.
        Notwithstanding the foregoing, the Agent and the Banks may permit this
        Thirteenth Amendment to become effective prior to the actual delivery of
        the
        aforementioned amendment fee; provided, however, in such event, the Company
        agrees and covenants to pay such fee to the Banks promptly upon receipt of
        an
        invoice with respect thereto. 

      

      8.
         
        This
        Thirteenth Amendment and the related writings and the respective rights and
        obligations of the parties shall be governed by, and construed and enforced
        in
        accordance with, the laws of the Commonwealth of Kentucky.

      

      9. 
This
        Thirteenth Amendment shall be binding upon, and shall inure to the benefit
        of,
        the Company, the Banks and the Agent and their respective successors and
        assigns.

      

      10. 
This
        Thirteenth Amendment and the agreements, instruments and other documents
        referred to herein, constitute the entire agreement of the parties with respect
        to, and supersede all prior understandings of the parties with respect to
        the
        subject matter hereof. No change, modification, addition or termination of
        this
        Thirteenth Amendment shall be enforceable unless in writing signed by the
        party
        against whom enforcement is sought.

      

      11. 
Each
        of
        United and PlusFunding hereby makes, declares, ratifies and/or reaffirms,
        as
        applicable, all of the representations, warranties, covenants, agreements
        and
        obligations set forth in the Existing Credit Agreement and each of the other
        Loan Documents, as amended and modified hereby, as each of the same apply
        to
        United and PlusFunding individually or collectively as the Company, as
        applicable. 

      

      12. 
Notwithstanding
        anything to the contrary contained herein or in the Security Agreement or
        other
        Loan Documents, the term “Company” as used in the Security Agreement and each of
        the other Loan Documents shall have the meaning given to it in this Thirteenth
        Amendment and shall mean United and PlusFunding as joint and several
        co-borrowers and co-debtors, as applicable. Without limiting the generality
        of
        the foregoing, United and PlusFunding expressly covenant and agree that pursuant
        to the amendments provided for in this Thirteenth Amendment, (i) the pledge,
        assignment, transfer and grant of security interest set forth in the Security
        Agreement is made by both United and PlusFunding, and (ii) the Collateral
        described in the Security Agreement shall include all of the right, title
        and
        interest of United and PlusFunding in the property described therein. Further,
        United and PlusFunding do hereby authorize the Agent, on behalf of the Banks,
        to, at any time and from time to time, file in any one or more jurisdictions
        financing statements that describe the Collateral (as such term shall apply
        to
        United and PlusFunding as the collectively redefined “Company” herein), together
        with continuation statements thereof and amendments thereto, without the
        signature of either United or PlusFunding and which contain any information
        required by the Kentucky Uniform Commercial Code or the Uniform Commercial
        Code,
        as revised, applicable to such jurisdiction for the sufficiency or filing
        office
        acceptance of any financing statements, continuation statements or
        amendments.

       

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

      
 

      IN
        WITNESS WHEREOF, the parties hereto have caused this Thirteenth Amendment
        to
        Amended and Restated Warehousing Credit Agreement to be duly executed as
        of the
        day and year first above written.

      
        
          	 	 	 
	 	UNITED
                  FINANCIAL MORTGAGE CORP.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title: 

        

        
          	 	 	 
	 	PLUSFUNDING.COM,
                  INC.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	
                    

                	Title:
	 	
                                                
                    (collectively, the “Company”)

                

        

      

       

      
        
          	 	 	 
	 	NATIONAL
                  CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	
                    

                	Title:

        

      
        
          	 	 	 
	 	
                  JP
                    MORGAN CHASE BANK, N.A. (successor by merger

                  to
                    BANK ONE, NA, main offices Chicago)

                
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title: 

        

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

        

      

       

      
        	 	 	 
	 	COMERICA
                BANK
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 

      

       

      
        	 	 	 
	 	COLONIAL
                BANK, N.A.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 

      

      

      
        	 	 	 
	 	HSBC
                BANK USA, NATIONAL ASSOCIATION
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 
	 	                           
                   (collectively, the
“Banks”)

      

       

      
        	 	 	 
	 	NATIONAL
                CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:
	 	                              
                 (the “Agent”)

      

      

      
        
          
          

        

        
          5FOURTEENTH
        AMENDMENT TO

      AMENDED
        AND RESTATED WAREHOUSING CREDIT AGREEMENT

      

      THIS
        FOURTEENTH AMENDMENT TO AMENDED AND RESTATED WAREHOUSING CREDIT
        AGREEMENT
        (the
“Fourteenth Amendment”) is made and entered into as of the 18th day of May,
        2005, by and among (i) UNITED
        FINANCIAL MORTGAGE CORP., an
        Illinois corporation with its principal place of business located at 815
        Commerce Drive, Suite 100, Oak Brook, Illinois 60523 (the “Company”), (ii) (a)
NATIONAL
        CITY BANK OF KENTUCKY,
        a
        national banking association with a place of business located at 101 South
        Fifth
        Street, Louisville, Kentucky 40202 (“National City”), (b) JP
        MORGAN CHASE BANK, N.A. (successor by merger to BANK ONE, NA, main offices
        Chicago),
        a
        national banking association with its principal place of business located
        in
        Chicago, Illinois (“JP Morgan”), (c) COMERICA
        BANK,
        a
        Michigan banking corporation with its principal place of business located
        at 500
        Woodward Avenue, MC: 3256, Detroit, Michigan 48226 (“Comerica”), (d)
COLONIAL
        BANK, N.A.,
        a
        national banking association with a principal place of business located at
        201
        E. Pine Street, Suite 730, Orlando, Florida 32801 (“Colonial”), and (e)
HSBC
        BANK USA, NATIONAL ASSOCIATION,
        a
        national banking association with its principal place of business at One
        HSBC
        Center, 27th
        Floor,
        Buffalo, New York 14203 (“HSBC”) (National City, Bank One, Comerica, Colonial
        and HSBC are each individually referred to as a “Bank” and collectively as the
“Banks”), and (iii) NATIONAL
        CITY BANK OF KENTUCKY,
        in its
        capacity as Agent for the Banks (in such capacity, the “Agent”). 

       

      P
        R E L I
        M I N A R Y S T A T E M E N T:

      

      A. 
Pursuant
        to that certain Amended and Restated Warehousing Credit Agreement dated as
        of
        August 1, 2003, among the Company, the Banks party thereto and the Agent,
        as
        heretofore amended from time to time (the “Existing Credit Agreement”), the
        Agent and the Banks have established a warehousing line of credit facility
        in
        favor of the Company in the current, temporary maximum principal amount of
        One
        Hundred Forty Million Dollars ($140,000,000.00) (the “Warehouse Line”), for the
        purposes set forth therein.

      

      B. 
The
        Company has now requested that the Agent and Banks amend the Existing Credit
        Agreement in order to (i) increase the maximum principal amount of the Warehouse
        Line to One Hundred Ninety-Five Million Dollars ($195,000,000.00), (ii) remove
        PlusFunding.com, Inc. (“PlusFunding”) as a joint and several co-borrower under
        the Existing Credit Agreement and each of the other Loan Documents, and (iii)
        provide for certain other modifications thereto.

      

      C. 
The
        Agent
        and the Banks are willing to and desire to amend the Existing Credit Agreement
        in the manner described above, upon the terms and conditions set forth
        herein.

      

      NOW,
        THEREFORE, in consideration of the premises and the mutual covenants and
        agreements set forth in the Existing Credit Agreement and herein, and for
        other
        good and valuable consideration, the mutuality, receipt and sufficiency of
        which
        are hereby acknowledged, the parties hereto hereby agree as
        follows:

      

      1. 
Each
        capitalized term used herein, unless otherwise expressly defined herein,
        shall
        have the meaning set forth in the Existing Credit Agreement.

      

      2. 
The
        following definitions, as contained in Article
        1
        of the
        Existing Credit Agreement, are hereby amended and restated in their entirety
        to
        read as follows:

      

      “Aged
        Loan”
        shall
        mean, as of any date:

      

      (a) 
Any
        Loan,
        which is not a Wet Loan, a Repurchase Loan or an Extended Period Shipped
        Loan,
        which has been pledged as Collateral for more than one hundred twenty (120)
        calendar days (calculated from the date upon which the Advance relating to
        such
        Loan is made hereunder); or 

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      
 

      (b) 
Any
        Wet
        Loan which has been pledged as Collateral for more than twelve (12) calendar
        days (calculated from the date upon which the Advance relating to such Loan
        is
        made hereunder); or

      

      (c)
         
        Any
        Repurchase Loan which has been pledged as Collateral for more than one hundred
        eighty (180) calendar days (calculated from the date upon which the Advance
        relating to such Loan is made hereunder); or

      

      (d)
         
        Any
        Extended Period Shipped Loan which has been shipped to an Approved Investor
        or
        the Document Custodian in accordance with the Security Agreement for more
        than
        sixty (60) calendar days (calculated from the date upon which the related
        Bailee
        Letter is delivered pursuant to the Security Agreement).

      

      “Company”
        shall
        mean United Financial Mortgage Corp., for all purposes under this Credit
        Agreement, the Notes and each of the other Loan Documents.

      

      “Loan
        Documents”
        shall
        mean, collectively, this Credit Agreement, the Warehouse Notes, the Swing
        Note,
        the Security Agreement, any Hypothecation Agreement executed pursuant to
        Section
        5.6
        hereof,
        the Intercreditor Agreement, the Triparty Agreement, the Collateral Assignment,
        the other Collateral Documents and any and all other documents executed in
        connection therewith, each as may be amended, modified, supplemented and
        restated from time to time.

        

      “Super
        Jumbo Advance Sublimit”
        shall
        mean an amount equal to Ten Million Dollars ($10,000,000.00).

      

      “Swing
        Note”
        shall
        mean the Amended and Restated Swing Promissory Note dated as of May 18, 2005,
        made by the Company, payable to the order of the Agent, and in the face
        principal amount of Twenty Million Dollars ($20,000,000.00), a form of which
        is
        attached hereto as Exhibit
        E and
        made
        a part hereof by this reference, as the same may be amended, modified, renewed,
        replaced and/or restated from time to time, and which shall evidence all
        Swing
        Advances.

      

      “Total
        Warehouse Line Commitment”
        shall
        mean the total aggregate principal amount of all Warehouse Line Commitments
        as
        determined from time to time in accordance with the provisions of Article
        2
        and
Article
        11
        of this
        Credit Agreement, and shall mean One Hundred Ninety-Five Million Dollars
        ($195,000,000.00), subject to the right of the Company and the Agent in their
        sole, joint discretion to increase such amount by adding one or more Applicant
        Financial Institutions as a “Bank” or “Banks” hereunder, or as otherwise
        permitted under Section
        11.1
        hereof.

      

      “Warehouse
        Line”
        shall
        mean the line of credit established by the Agent and Banks in favor of the
        Company under Article
        2
        of this
        Credit Agreement in the maximum principal amount of One Hundred Ninety-Five
        Million Dollars ($195,000,000.00), subject to the right of the Company and
        the
        Agent in their sole, joint discretion to increase such amount by adding one
        or
        more Applicant Financial Institutions as a “Bank” or “Banks” hereunder.

      

      “Warehouse
        Notes”
        shall
        mean, collectively, (i) that certain Amended and Restated Warehouse Promissory
        Note dated as of May 18, 2005, made by the Company, payable to the order
        of
        National City, and in the face principal amount of Seventy-Five Million Dollars
        ($75,000,000.00), a form of which is attached hereto as Exhibit
        C-1
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (ii) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of JP Morgan, and in the face principal amount
        of
        Twenty-Five Million Dollars ($25,000,000.00), a form of which is attached
        hereto
        as Exhibit
        C-2
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iii) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of HSBC, and in the face principal amount of
        Twenty-Five Million Dollars ($25,000,000.00), a form of which is attached
        hereto
        as Exhibit
        C-3
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iv) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of Comerica, and in the face principal amount
        of
        Thirty Million Dollars ($30,000,000.00), a form of which is attached hereto
        as
Exhibit
        C-4
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (v) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of Colonial, and in the face principal amount
        of
        Forty Million Dollars ($40,000,000.00), a form of which is attached hereto
        as
Exhibit
        C-5
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, and (vi) when executed
        and
        delivered, any such additional Warehouse Promissory Note, made by the Company,
        payable to the order of any respective Applicant Financial Institution as
        shall
        be added as a “Bank” hereunder, and in the face principal amount of such
        Applicant Financial Institution’s Warehouse Line Commitment, substantially in
        the form of the Warehouse Promissory Note attached hereto as Exhibit
        C-1 (other
        than the amount thereof), as the same may thereafter be amended, modified,
        renewed, replaced and/or restated from time to time.”

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

      
 

      “Wet
        Loan”
        shall
        mean a Loan, other than a Repurchase Loan, the entire interest of which is
        owned
        by the Company covering a completed one-to-four family residential property
        which is subject to a Firm Commitment or Standby Commitment for which the
        Collateral Mortgage Documents relating to such Loan have not been delivered
        to
        the Agent and not more than twelve (12) calendar days have elapsed since
        the day
        the Advance relating to such Loan is made by the Banks.

      

      2. 
Article
        1
        of the
        Existing Credit Agreement is hereby further amended by adding the following
        definitions to read in their entirety as follows:

      

      “AMPRO”
        shall
        mean AmPro Mortgage Corporation, a Texas corporation.

      

      “Collateral
        Assignment”
        shall
        mean that certain Collateral Assignment dated as of May 18, 2005, between
        the
        Company and the Agent, relating to the mortgage loan purchase and sale agreement
        between the Company and AMPRO, substantially in the form of the Collateral
        Assignment attached hereto as Exhibit
        L,
        as the
        same may be amended, modified, renewed, replaced and/or restated from time
        to
        time.

      

      “Triparty
        Agreements”
        shall
        mean that certain Triparty Agreement dated as of May 18, 2005, among the
        Company, the Agent and AMPRO, relating to the mortgage loan purchase and
        sale
        agreement between the Company and AMPRO, substantially in the form of the
        Triparty Agreement annexed hereto as Exhibit
        M,
        as the
        same may be amended, modified, renewed, replaced and/or restated from time
        to
        time.

      

      3. 
The
        fourth sentence in the first paragraph of Section
        2.1
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “The
        Total Warehouse Line Commitment is equal to One Hundred Ninety-Five Million
        Dollars ($195,000,000.00), as may be increased by the Company and the Agent
        in
        their sole, joint discretion by adding one or more Applicant Financial
        Institutions as a “Bank” or “Banks” hereunder, or as further permitted under
Section
        11.1
        hereof.”

      

      4. 
The
        last
        sentence in Section
        2.4(a)
        of the
        Existing Credit Agreement and the third sentence in Section
        2.4(b)
        of the
        Existing Credit Agreement are hereby amended and restated in their entirety
        to
        respectively read as follows:

       

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

      
 

      “Requests
        for Advance received by the Agent after 3:30 p.m. Prevailing Time will not
        be
        processed by the Agent as a Request for Warehouse Advance until the immediately
        succeeding Business Day.”

      

      “Each
        Bank shall make its Warehouse Pro Rata Share of each Warehouse Advance (other
        than a Swing Advance or an Excess Advance) to be made to the Company available
        to the Agent, in same day funds, at the office of the Agent located at 101
        South
        Fifth Street, Louisville, Kentucky not later than 3:30 p.m. Prevailing Time
        on
        the date the Request for Advance from the Company is received by the
        Agent.”

       

      5. 
Section
        2.8(a)
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “(a) 
Applicable
        Rates of Interest.
        Effective June 1, 2005, each Advance shall bear inter-est on the unpaid
        principal amount thereof from the date made through maturity (whether by
        acceleration or otherwise). The outstanding principal balance of the Swing
        Note
        and each Balance Funded Bank’s Warehouse Note shall bear interest as follows:
        (i) at the per annum rate equal to one percent (1.00%) (the “Balance Funded
        Rate”) for that portion of the Average Monthly Aggregate Outstanding Warehouse
        Balance of a Balance Funded Bank’s Warehouse Note which does not exceed the
        Average Monthly Available Deposits maintained by the Company with such Balance
        Funded Bank, and (ii) at the per annum rate equal to LIBOR plus
        one
        percent (1.00%) for that portion of the Average Monthly Aggregate Outstanding
        Warehouse Balance of a Balance Funded Bank’s Warehouse Note which exceeds such
        Average Monthly Available Deposits maintained by the Company with such Balance
        Funded Bank. The outstanding principal balance of each Warehouse Note for
        each
        Bank which is not a Balance Funded Bank shall bear interest at the per annum
        rate equal to LIBOR plus
        one
        percent (1.00%) (the “Base Rate”).”

      

      6. 
Section
        2.14(b)
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “(b) 
Usage
        Fee.
        Effective June 1, 2005, the Company agrees to pay to the Agent and the Banks
        the
        following usage fees (the “Usage Fees”): (i) a usage fee computed at the rate of
        one and three-eighths of one percent (1.375%) per annum times the average
        monthly aggregate unpaid principal balance for all Repurchase Loan Advances
        and
        all Aged Loan/Extended Period Shipped Loan Advances, (ii) a usage fee computed
        at the rate of five-eighths of one percent (.625%) per annum times the average
        monthly aggregate unpaid principal balance for all Subprime Loan Advances,
        (iii)
        a usage fee computed at the rate of one and twenty-five thousandths of one
        percent (1.025%) per annum times the average monthly aggregate unpaid principal
        balance for all Working Capital Loan Advances, and (iv) a usage fee computed
        at
        the rate of two hundred seventy-five thousandths of one percent (.275%) per
        annum times the average monthly aggregate unpaid principal balance for all
        Alternative Lending Advances which are not Subprime Loan Advances.”

      

      7. 
Section
        4.1(o)
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “(o) Authorized
        Signer Letter.
        The
        Company shall have delivered to the Agent a letter designating the individuals
        authorized to sign various documents or
        initiate, authorize and/or confirm electronic communications
        related
        to the transactions contemplated hereby, including without limitation, specimen
        signatures and
        electronic mail addresses
        for all
        such individuals, such letter to be substantially in the form of Exhibit
        J
        attached
        hereto and made a part hereof by this reference.”

      

      8. 
Section
        5.2
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “5.2 Leverage
        Ratio.
        The
        ratio of Total Indebtedness to Adjusted Tangible Net Worth shall not exceed
        15
        to 1.”

       

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

        

      

       

      9. 
Section
        7.3(f)
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “(f) 
Servicing
        Portfolio Appraisal.
        As soon
        as available every calendar quarter, and in any event by February 15, May
        15,
        August 15 and November 15 of each year, the Company shall furnish to the
        Agent,
        at the Company’s sole cost and expense, an Appraisal of Pledged Servicing Rights
        calculated as of the prior November 30, March 31, June 30, and September
        30,
        respectively. Notwithstanding the foregoing, the Requisite Banks or the Agent
        in
        their or its sole discretion reserve the right to require, at any time and
        from
        time to time but not more often than once every fiscal quarter, the Company
        to
        deliver or cause to be delivered to the Agent within sixty (60) days of such
        request, at the Company’s sole expense, an Appraisal of Pledged Servicing
        Rights.”

      

      10. 
The
        Existing Credit Agreement is hereby amended by amending and restating
Exhibits
        B, C-1, C-2, C-3, C-4, C-5, E, H and J and Schedule 2.1 thereof
        to read in their entirety as set forth on Exhibits
        B, C-1, C-2, C-3, C-4, C-5, E, H and J and Schedule 2.1 attached
        to this Fourteenth Amendment and made a part hereof by this
        reference.

      

      11. 
The
        Company has informed the Agent and the Banks that PlusFunding is currently
        in
        the process of being dissolved as a California corporation. The Company has
        further advised the Agent and the Banks that it is no longer making Loans
        in the
        name of PlusFunding.com, Inc. The Existing Credit Agreement and each of the
        other Loan Documents are hereby amended by removing PlusFunding as a co-borrower
        thereunder and deleting all notice requirements related to such entity;
        provided, however, the co-obligor provisions and obligations set forth in
        Section
        10.18
        of the
        Existing Credit Agreement shall continue in full force an defect with respect
        to
        PlusFunding and each of the other prior co-borrowers on the Warehouse
        Line.

      

      12.
         
        The
        Company represents and warrants that no Event of Default has occurred to
        date
        under the Existing Credit Agreement or any other Loan Document and that no
        Unmatured Event of Default currently exists under any of the Loan
        Documents.

      

      13. 
This
        Fourteenth Amendment may be executed in one or more counterparts, each of
        which
        shall constitute an original and all of the same shall constitute one and
        the
        same instrument.

      

      14. 
This
        Fourteenth Amendment shall be effective as of the date of delivery to the
        Agent
        of each of the following: (i) this Fourteenth Amendment and each of the other
        agreements and instruments referred to herein or related hereto, each duly
        executed by each of the parties thereto, (ii) the Amended and Restated Warehouse
        Promissory Notes and the Amended and Restated Swing Promissory Note related
        hereto, each duly executed and delivered by the Company, (iii) payment to
        each
        of the Banks of an amendment fee equal to $375.00, and (iv) all such other
        security documents, opinions, instruments and certificates as may be required
        by
        Agent or its counsel in order to consummate the transactions contemplated
        herein. Notwithstanding the foregoing, the Agent and the Banks may permit
        this
        Fourteenth Amendment to become effective prior to the actual delivery of
        the
        aforementioned amendment fee; provided, however, in such event, the Company
        agrees and covenants to pay such fee to the Banks promptly upon receipt of
        an
        invoice with respect thereto. 

      

      15. 
This
        Fourteenth Amendment and the related writings and the respective rights and
        obligations of the parties shall be governed by, and construed and enforced
        in
        accordance with, the laws of the Commonwealth of Kentucky.

       

      
        
          
          

        

        
          5

          
            

          

        

        
          
          

        

      

       

      16. 
This
        Fourteenth Amendment shall be binding upon, and shall inure to the benefit
        of,
        the Company, the Banks and the Agent and their respective successors and
        assigns.

      

      17. 
This
        Fourteenth Amendment and the agreements, instruments and other documents
        referred to herein, constitute the entire agreement of the parties with respect
        to, and supersede all prior understandings of the parties with respect to
        the
        subject matter hereof. No change, modification, addition or termination of
        this
        Fourteenth Amendment shall be enforceable unless in writing signed by the
        party
        against whom enforcement is sought.

      

      18. 
The
        Company hereby makes, declares, ratifies and/or reaffirms, as applicable,
        all of
        the representations, warranties, covenants, agreements and obligations set
        forth
        in the Existing Credit Agreement and each of the other Loan Documents, as
        amended and modified hereby. 

      

      

      [The
        remainder of this page has been intentionally left blank]

       

      
        
          
          

        

        
          6

          
            

          

        

        
          
          

        

      

      IN
        WITNESS WHEREOF, the parties hereto have caused this Fourteenth Amendment
        to
        Amended and Restated Warehousing Credit Agreement to be duly executed as
        of the
        day and year first above written.

      
        	 	 	 
	 	UNITED
                FINANCIAL MORTGAGE CORP.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 
	 	                               (the “Company”)

      

       

      
        	 	 	 
	 	NATIONAL
                CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:

      

       

      
        	 	 	 
	 	
                JP
                  MORGAN CHASE BANK, N.A. (successor by merger

                to BANK ONE, NA, main offices
                  Chicago)

              
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 

      

       

      
        
          	 	 	 
	 	COMERICA
                  BANK
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title: 

        

      
        
          
          

        

        
          7

          
            

          

        

        
          
          

        

      

       

      
        
          	 	 	 
	 	COLONIAL
                  BANK, N.A.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title: 

        

        
          	 	 	 
	 	HSBC
                  BANK USA, NATIONAL ASSOCIATION
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title:
	 	                              
                  (collectively, the
“Banks”)

        

      

      

      
        
          	 	 	 
	 	NATIONAL
                  CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title:
	 	                                
                  (the “Agent”)

        

      
        
          
          

        

        
          8

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00090-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00090-of-00352.parquet"}]]