Document:

EX-10.37

Exhibit 10.37

Execution Version

ORIGEN FINANCIAL, INC.

ORIGEN FINANCIAL LLC

27777 Franklin Road

Suite 1700

Southfield, Michigan 48034

May 1, 2009

Mr. Peter Scherer

Chief Operating Officer

Origen Financial, Inc.

27777 Franklin Road

Suite 1700

Southfield, Michigan 48034

Dear Peter,

     Origen Financial, Inc. (“Parent”), Origen Financial, LLC ( “Company”) and you (“Executive”)
are parties to that certain Employment Agreement dated December 28, 2006 and amended July 1, 2008
(the “2006 Employment Agreement”). The 2006 Employment Agreement is scheduled to expire in
accordance with its terms on October 7, 2009. This letter agreement (the “2009 Agreement”) is
entered into effective as of April 4, 2009 (the “Effective Date”) and is intended to reflect and
memorialize the agreements made among Parent, Company and Executive regarding Executive’s
employment under the 2006 Employment Agreement.

     1. Background. Parent, Company and Executive each acknowledges that pursuant to the
Company’s Asset Disposition and Management Plan, which was approved by Parent’s shareholders in
June, 2008, and subsequently implemented by Parent and Company, the nature of the business of
Parent and Company has changed dramatically during 2008, including: (1) the sale of the Company’s
unsecuritized loan portfolio; (2) the sale of the Company’s servicing assets and platform; (3) the
sale of certain bond assets; (4) the refinancing of the Company’s senior debt; (5) the sale of the
Company’s origination platform; and (6) the downsizing of the Parent’s and Company’s workforce from
over 300 employees to approximately 23 current employees with the expectation that the employee
force will normalize at 8 employees with several consultants by the third quarter of 2009.

 

 

     2. Termination of Employment. In light of the dramatic changes to Parent’s and
Company’s business and consequential changes in their need for management services, Parent, the
Company and Executive each hereby agrees that Executive’s employment under the 2006 Employment
Agreement hereby is terminated on the Effective Date. All provisions of the 2006 Employment
Agreement, with the exception of Sections 10, 13, 15, 16 and 17 of the 2006 Employment Agreement
which shall survive in accordance with their respective terms, hereby are terminated and of no
further force or effect, effective at the close of business on the day immediately preceding the
Effective Date. From the Effective Date forward, all aspects of the employment and compensation
agreements among Parent, Company and Executive will be governed by the surviving provisions of the
2006 Employment Agreement and by the provisions of this Agreement.

     3. Compensation and Other Payments. In respect of Executive’s service to Parent and
the Company pursuant to the terms of the 2006 Employment Agreement, as modified by this agreement,
Company will pay to Executive the following amounts:

     a. In recognition of Executive’s performance as Chief Operating Officer in preserving
the Company’s and Parent’s assets during the difficult 2008 economic climate, the Board of
Directors has granted, and the Company agrees to pay, to Executive a bonus of $150,000, to
be paid on October 5, 2009.

     b. The termination of the 2006 Employment Agreement shall not in any way negate or
relieve the Company’s obligation to pay Executive the $825,000 change-of-control payment
which was earned in 2008 under the terms of the 2006 Employment Agreement and will be paid
to Executive on July 1, 2009.

     c. The Company shall pay Executive a monthly severance payment of $25,000, payable in
accordance with Company’s usual pay practices (and in any event no less frequently than
monthly) from the Effective Date through March 31, 2010.

     d. The Company shall pay Executive a lump-sum severance payment in the amount of
$400,000 on March 31, 2010.

     e. The Company shall pay Executive the amounts due him under the Company’s Capital
Accumulation Plan in the amount of $280,000 on November 15, 2011.

     4. Cooperation in Future Matters. Executive hereby agrees that for a period of 18
months following the Effective Date (the “Term”) he shall cooperate with Company’s reasonable
requests relating to matters that pertain to Executive’s previous employment by Company, including,
without limitation, providing information or limited consultation as to such matters, participating
in legal proceedings, investigations or audits on behalf of Company, or otherwise making himself
reasonably available to Company for other related purposes. Any such cooperation shall be performed
at scheduled times taking into consideration Executive’s other commitments, and Executive shall be
compensated at a reasonable hourly or per diem rate to be agreed upon by the parties to the extent
such cooperation is required on more than an occasional

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and limited basis. Executive shall not be
required to perform such cooperation to the extent it conflicts with any requirements of
exclusivity of services for another employer or otherwise, nor in any manner that in the good faith
belief of Executive would conflict with his rights under or ability to enforce this Agreement.

     5. Indemnification for Future Acts. In respect of services provided and related acts
taken by Executive on behalf of the Company or Parent after the Effective Date, the Company and
Parent each hereby indemnifies Consultant to the full extent of the indemnities provided to
officers and directors of the Company and Parent, respectively, under the applicable
indemnification provisions of the Certificate of Formation of Company and the Certificate of
Incorporation of the Parent, respectively, as each may be amended from time to time, and to the
fullest extent permitted under Delaware law. Company agrees that, to the extent reasonably
available, Consultant will be named as an additional insured under Company’s Directors’ and
Officers’, Errors and Omissions and other similar insurance policies during the Term.

     If you agree that the provisions in this letter accurately and completely set forth our
understandings and agreements with respect to your employment and compensation, please so
acknowledge by signing and returning a copy of this letter agreement.

	 	 	 
	 

	 	      Sincerely,
	 
	 

	 	  /s/ Ronald A. Klein
	 

	 	Ronald A. Klein, CEO

ACKNOWLEDGED AND AGREED:

	 	 	 
	      /s/ Peter Scherer
	 	 
	 

Peter Scherer

	 	 

3EX-10.38

EXHIBIT 10.38

EMPLOYMENT AGREEMENT

     THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into effective as of October 1, 2003
(the “Effective Date”), by and between ORIGEN FINANCIAL, INC., a Delaware corporation (“Parent”),
ORIGEN FINANCIAL L.L.C., a Delaware limited liability company (“Origen”), and PAUL GALASPIE (the
“Executive”).

W I T N E S S E T H:

     WHEREAS, Origen desires to employ the Executive, and the Executive desires to be employed by
Origen, on the terms and subject to the conditions set forth below.

     NOW, THEREFORE, in consideration of the mutual promises contained in this Agreement, the
parties agree as follows:

     1. Employment.

          (a) Origen agrees to employ the Executive and the Executive accepts the employment, on the
terms and subject to the conditions set forth below. During the term of employment hereunder, the
Executive shall serve as the Senior Vice President and Chief Technology Officer of Origen, and
shall do and perform diligently all such services, acts and things as are customarily done and
performed by the Senior Vice President and Chief Technology Officer of companies in similar
business and in size to Origen, together with such other duties as may reasonably be requested from
time to time by the Board of Managers of Origen (the “Board”), which duties shall be consistent
with the Executive’s positions as set forth above. Executive shall also serve as the Senior Vice
President and Chief Technology Officer of Parent without additional compensation therefor.

          (b) For service as an officer and employee of Origen, the Executive shall be entitled to the
full protection of the applicable indemnification provisions of the Certificate of Organization and
Operating Agreement of Origen, as they may be amended from time to time.

     2. Term of Employment.

          Subject to the provisions for termination provided below, the term of the Executive’s
employment under this Agreement shall commence on the date of this Agreement and shall continue
thereafter until December 31, 2006; provided however, that the term of this Agreement shall be
automatically extended for successive terms of one year each, unless either party notifies the
other party in writing of its desire to terminate this Agreement at least 180 days before the end
of the term then in effect.

     3. Devotion to Origen’s Business.

          The Executive shall devote his entire productive time, ability and attention to the business
of Origen and Parent during the term of this Agreement; however, the expenditure of reasonable
amounts of time to various charitable and other community activities, or to the Executive’s own
personal investments and projects, provided the amount of time so devoted does

 

 

not materially impair, detract or adversely affect the performance of the Executive’s duties under
this Agreement, shall not be deemed a breach of this Agreement.

     4. Compensation.

          (a) During the term of this Agreement, Origen shall pay or provide, as the case may be, to the
Executive the compensation and other benefits and rights set forth in Sections 4, 5 and 6 of this
Agreement.

          (b) Base Compensation. As compensation for the services to be performed hereafter,
Origen shall pay to the Executive, during his employment hereunder, a base salary (the “Base
Salary”) payable in accordance with Origen’s usual pay practices (and in any event no less
frequently than monthly) at the rate of:

     (i) $160,000 for the period beginning on the Effective Date and ending December
31, 2004;

     (ii) $170,000 for the year ending December 31, 2005; and

     (iii) $185,000 for the year ending December 31, 2006.

          (c) Annual Salary Increase. In the event that the term of this Agreement is
automatically extended pursuant to Section 2, the Base Salary then in effect shall be increased by
five percent (5%) of the Base Salary for the immediately prior year or such greater increase as may
be deemed appropriate by the Board, in its sole discretion.

          (d) Incentive Compensation. Executive shall be eligible to receive an award under any
bonus plan adopted by the Board of Parent which may be established for the payment of an annual
incentive bonus to the Executive on the terms and conditions set forth therein and shall also be
eligible to receive such other bonus as determined by Parent’s Board or compensation committee
(collectively, “Incentive Compensation”).

          (e) Disability. During any period that the Executive fails to perform his duties
hereunder as a result of incapacity due to physical or mental illness (the “Disability Period”),
the Executive shall continue to receive his full Base Salary, bonuses and other benefits at the
rate in effect for such period until his employment is terminated by Origen pursuant to Section
7(a)(iii) hereof; provided, however, that payments so made to the Executive during the Disability
Period shall be reduced by the sum of the amounts, if any, which were paid to the Executive at or
prior to the time of any such payment under disability benefit plans of Origen.

     5. Benefits.

          (a) Insurance. Origen shall provide to the Executive life, disability, medical,
hospitalization and dental insurance for himself, his spouse and eligible family members as may be
determined by the Board to be consistent with industry standards.

          (b) Benefit Plans. The Executive, at his election, may participate, during his
employment hereunder, in all retirement plans, 401(K) plans and other benefit plans of Origen

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generally available from time to time to other executive employees of Origen, Parent or their
subsidiaries (the “Subsidiaries”) and for which the Executive qualifies under the terms of the
plans (and nothing in this Agreement shall or shall be deemed to in any way affect the Executive’s
right and benefits under any such plan except as expressly provided herein). The Executive shall
also be entitled to participate in any equity, stock option or other employee benefit plan that is
generally available to senior executives, as distinguished from general management, of Origen,
Parent or the Subsidiaries. The Executive’s participation in and benefits under any such plan
shall be on the terms and subject to the conditions specified in the governing document of the
particular plan.

          (c) Annual Vacation. The Executive shall be entitled to four weeks vacation time each
year without loss of compensation. The Executive may be absent from his employment for vacation on
dates to be mutually agreed upon by Origen and the Executive, and approval of Origen shall not be
unreasonably withheld. In the event that the Executive is unable for any reason to take the total
amount of vacation time authorized herein during any year, he may accrue such unused time and add
it to the vacation time for any following year. Upon any termination of this Agreement for any
reason whatsoever, accrued and unused vacation time shall be paid to the Executive within ten days
of such termination based on the Base Salary in effect on the date of such termination; provided,
however, that no more than 20 days of accrued vacation time may be carried over at any time.

     6. Reimbursement of Business Expenses.

          Origen shall reimburse the Executive or provide him with an expense allowance during the term
of this Agreement for travel, entertainment, business development and other expenses reasonably and
necessarily incurred by the Executive in connection with Origen’s business. The Executive shall
furnish such documentation with respect to reimbursement to be paid hereunder, as Origen shall
reasonably request.

     7. Termination of Employment.

          (a) The Executive’s employment under this Agreement may be terminated:

     (i) by either the Executive or Origen at any time for any reason whatsoever or
for no reason upon not less than 60 days written notice;

     (ii) by Origen at any time for “cause” as defined below, without prior notice;

     (iii) by Origen upon the Executive’s “permanent disability” (as defined below)
upon not less than 30 days written notice; and

     (iv) upon the Executive’s death.

          (b) For purposes hereof, for “cause” shall mean the material breach of any provision of this
Agreement by the Executive which breach, if curable, continues uncured for a period of 20 days
after the Executive’s receipt of written notice of such breach from Origen, or any action of the
Executive (or the Executive’s failure to act), which, in the reasonable

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determination of the Board of Parent or the Board of Origen, involves malfeasance, fraud, or
moral turpitude, or which, if generally known, would or might have a material adverse effect on
Origen, Parent and/or either of its reputation.

          (c) For purposes hereof, the Executive’s “permanent disability” shall be deemed to have
occurred after 120 consecutive days during which the Executive, by reason of his physical or mental
disability or illness, shall have been unable to discharge his duties under this Agreement. The
date of permanent disability shall be such 121st day. In the event either Origen or the
Executive, after receipt of notice of the Executive’s permanent disability from the other, disputes
that the Executive’s permanent disability shall have occurred, the Executive shall promptly submit
to a physical examination by the chief of medicine of any major accredited hospital in Michigan
and, unless such physician shall issue his written statement to the effect that in his opinion,
based on his diagnosis, the Executive is capable of resuming his employment and devoting his full
time and energy to discharging his duties within 30 days after the, date of such statement, such
permanent disability shall be deemed to have occurred.

     8. Compensation Upon Termination or Disability.

          (a) If Origen terminates the Executive’s employment under this Agreement without “cause”
pursuant to paragraph 7(a)(i) hereof, the Executive shall be entitled to any unpaid Base Salary,
Incentive Compensation and benefits accrued and earned by him hereunder up to and including the
effective date of such termination, which shall be paid by Origen to the Executive within 30 days
of the effective date of such termination, and, if the Executive fully complies with paragraph 10
of this Agreement, Origen shall pay the Executive during each of the 12 months following the
effective date of termination an amount equal to a pro rata portion of the annual Base Salary that
would otherwise be payable during such month (the “Severance Payment”). Notwithstanding the
foregoing, Origen, in its sole discretion, may elect to make the Severance Payment to the Executive
in one lump sum due within 30 days of the Executive’s termination of employment.

          (b) In the event of termination of the Executive’s employment under this Agreement for “cause”
or if the Executive voluntarily terminates his employment hereunder, the Executive shall be
entitled to no further compensation or other benefits under this Agreement, except only as to any
unpaid Base Salary, Incentive Compensation and benefits accrued and earned by him hereunder up to
and including the effective date of such termination.

          (c) In the event of termination of the Executive’s employment under this Agreement due to the
Executive’s permanent disability or death, the Executive (or his successors and assigns in the
event of his death) shall be entitled to any unpaid Base Salary, Incentive Compensation and
benefits accrued and earned by him hereunder up to and including the effective date of such
termination, which shall be paid by Origen to the Executive or his successors and assigns, as
appropriate, within 30 days of the effective date of such termination, and Origen shall pay the
Executive monthly an amount equal to one-twelfth of the Base Salary that would otherwise be payable
under this Agreement for a period of 12 months if the Executive fully complies with paragraph 10 of
this Agreement (the “Disability Payment”); provided, however, that payments so made to the
Executive shall be reduced by the sum of the amounts, if any, which: (i) were paid to the
Executive at or prior to the time of any such payment under

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disability benefit plans of Origen, and (ii) did not previously reduce the Base Salary,
Incentive Compensation and other benefits due the Executive under paragraph 4(d) of this Agreement.
Notwithstanding the foregoing, Origen, in its sole discretion, may elect to make the Disability
Payment to the Executive in one lump sum due within 30 days of the Executive’s termination of
employment.

          (d) Regardless of the reason for termination of the Executive’s employment hereunder,
Incentive Compensation and benefits shall be prorated and paid for any period of employment not
covering an entire year of employment.

          (e) Notwithstanding anything to the contrary in this paragraph 8, Origen’s obligation to pay,
and the Executive’s right to receive, any compensation under this paragraph 8, including, without
limitation, the Severance Payment and the Disability Payment, shall terminate upon the Executive’s
breach of any provision of paragraph 10 hereof. In addition, the Executive shall promptly forfeit
any compensation received from Origen under this paragraph 8, including, without limitation, the
Severance Payment and the Disability Payment, upon the Executive’s breach of any provision of
paragraph 10 hereof.

          (f) Notwithstanding anything to the contrary in this paragraph 8, all Severance Payments are
contingent on Executive signing a release of claims, substantially in the form attached hereto as
Exhibit A.

     9. Stock Options. In the event of termination of the Executive’s employment under
this Agreement for “cause”, all stock options in Parent or other stock-based compensation awarded
to the Executive shall lapse and be of no further force or effect whatsoever. In the event that
Origen terminates the Executive’s employment under this Agreement without “cause”, a stock option
or award may be exercised within 90 days following termination, but only to the extent it was
otherwise exercisable at the time of termination.

     10. Covenant Not To Compete and Confidentiality.

          (a) The Executive acknowledges Origen’s and Parent’s reliance and expectation of the
Executive’s continued commitment to performance of his duties and responsibilities under this
Agreement. In light of such reliance and expectation on the part of Origen and Parent, the
Executive agrees that:

     (i) for a period commencing on the date of this Agreement and ending upon the
first anniversary of the termination of the Executive’s employment under this
Agreement for any reason, the Executive shall not, directly or indirectly, engage
in, or have an interest in or be associated with (whether as an officer, director,
stockholder, partner, associate, employee, consultant, owner or otherwise) any
corporation, firm or enterprise which is engaged in any business which is materially
similar to or which is competitive with the business then or at any time during the
term of this Agreement conducted or actively proposed to be conducted by Origen,
Parent, the Subsidiaries, or any company owned or controlled by Origen, Parent or
under common control with Origen, Parent or the Subsidiaries (“Affiliate”), anywhere
within the continental United States or

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Canada (the “Business”); provided, however, that the Executive shall be
permitted to make passive investments in real estate and technology, active
investments in real estate and technology that do not interfere or conflict with the
performance of the Executive’s duties or directly compete with the Business, and
passive investments in the stock of any publicly traded business (including a
competitive business), so long as the stock investment in any competitive business
does not rise above 1% of the outstanding shares of such business;

     (ii) the Executive will not at any time, for so long as any Confidential
Information (as defined below) shall remain confidential or otherwise remain wholly
or partially protectable, either during the term of this Agreement or thereafter,
use or disclose, directly or indirectly, to any person outside of Origen, Parent or
any Affiliate any Confidential Information;

     (iii) promptly upon the termination of this Agreement for any reason, the
Executive (or in the event of the Executive’s death, his personal representative)
shall return to Origen any and all copies (whether prepared by or at the direction
of Origen or Executive) of all records, drawings, materials, memoranda and other
data constituting or pertaining to Confidential Information;

     (iv) without limiting the foregoing, for a period commencing on the date of
this Agreement and ending upon the expiration of 18 months from the termination of
this Agreement for any reason, or in the event that the Executive is terminated
without “cause”, then for such period as the Executive is covered by the Severance
Payment, the Executive shall not, either directly or indirectly, divert, or by aid
to others, do anything which would tend to divert, from Origen, Parent or any
Affiliate any trade or business with any customer or supplier with whom the
Executive had any contact or association during the term of the Executive’s
employment with Origen or with any party whose identity or potential as a customer
or supplier was confidential or learned by the Executive during his employment by
Origen; and

     (v) without limiting the foregoing, for a period commencing on the date of this
Agreement and ending upon the expiration of 18 months from the termination of this
Agreement for any reason, or in the event that the Executive is terminated without
“cause”, then for such period as the Executive is covered by the Severance Payment,
the Executive shall not, either directly or indirectly, solicit for employment any
person with whom the Executive was acquainted while in Origen’s employ.

     As used in this Agreement, the term “Confidential Information” shall mean all business
information of any nature and in any form which at the time or times concerned is not generally
known to those persons engaged in business similar to that conducted or contemplated by Origen,
Parent or any Affiliate (other than by the act or acts of an employee not authorized by Origen to
disclose such information) and which relates to any one or more of the aspects of the present or
past business of Origen, Parent or any of the Affiliates or any of their respective predecessors,
including, without limitation, patents and patent applications, inventions and

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improvements (whether or not patentable), development projects, policies, processes, formulas,
techniques, know-how, and other facts relating to sales, advertising, promotions, financial
matters, customers, customer lists, customer purchases or requirements, and other trade secrets.

          (b) The Executive agrees and understands that the remedy at law for any breach by him of this
paragraph 10 will be inadequate and that the damages flowing from such breach are not readily
susceptible to being measured in monetary terms. Accordingly, it is acknowledged that, upon
adequate proof of the Executive’s violation of any legally enforceable provision of this paragraph
10, Origen shall be entitled to immediate injunctive relief and may obtain a temporary order
restraining any threatened or further breach. Nothing in this paragraph 10 shall be deemed to
limit Origen’s remedies at law or in equity for any breach by the Executive of any of the
provisions of this paragraph 10, which may be pursued or availed of by Origen.

     11. No Conflicting Agreements. The Executive represents and warrants that other than
his position as an executive of Parent, he is not a party to any agreements, contracts,
understandings or arrangements, whether written or oral, in effect which would prevent him from
rendering exclusive services to Origen during the term hereof, and that he has not made and will
not make any commitment to do any act in conflict with this Agreement.

     12. Arbitration. Any dispute or controversy arising out of or relating to this
Agreement shall be settled finally and exclusively by arbitration in the State of Michigan in
accordance with the rules of the American Arbitration Association then in effect. Such arbitration
shall be conducted by an arbitrator(s) appointed by the American Arbitration Association in
accordance with its rules and any finding by such arbitrator(s) shall be final and binding upon the
parties. Judgment upon any award rendered by the arbitrator(s) may be entered in any court having
jurisdiction thereof, and the parties consent to the jurisdiction of the Oakland County, Michigan
Circuit Court for this purpose. Nothing contained in this Section 12 shall be construed to
preclude Origen from obtaining injunctive or other equitable relief to secure specific performance
or to otherwise prevent a breach or contemplated breach of this Agreement by the Executive as
provided in Section 10 hereof.

     13. Notice. All notices, requests, consents and other communications, required or
permitted to be given hereunder to be given under this Agreement shall be personally delivered in
writing or shall have been deemed duly given when received after it is posted in the United States
mail, postage prepaid, registered or certified, return receipt requested addressed as follows:

If to Origen:

Origen Financial L.L.C.

27777 Franklin Road

Suite 1700

Southfield, Michigan 48034

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If to Parent:

Origen Financial, Inc.

27777 Franklin Road

Suite 1700

Southfield, Michigan 48034

If to the Executive:

Paul Galaspie

4306 Brixton Rd.

Chesterfield, VA 23832

In all events, with a copy to:

Jaffe, Raitt, Heuer & Weiss,

Professional Corporation

One Woodward Avenue, Suite 2400

Detroit, Michigan 48226

Attn: Peter Sugar

     14. Miscellaneous.

          (a) The provisions of this Agreement are severable and if any one or more provisions may be
determined to be illegal or otherwise unenforceable, in whole or in part, the remaining provisions
and any partially unenforceable provision to the extent enforceable in any jurisdiction
nevertheless shall be binding and enforceable.

          (b) The rights and obligations of Origen under this Agreement shall inure to the benefit of,
and shall be binding on, Origen and its successors and assigns, and the rights and obligations
(other than obligations to perform services) of the Executive under this Agreement shall inure to
the benefit of, and shall be binding upon, the Executive and his heirs, personal representatives
and assigns. This Agreement is personal to Executive and he may not assign his obligations under
this Agreement in any manner whatsoever.

          (c) The failure of any party to enforce any provision or protections of this Agreement shall
not in any way be construed as a waiver of any such provision or provisions as to any future
violations thereof, nor prevent that party thereafter from enforcing each and every other provision
of this Agreement. The rights granted the parties herein are cumulative and the waiver of any
single remedy shall not constitute a waiver of such party’s right to assert all other legal
remedies available to it under the circumstances.

          (d) This Agreement supersedes all agreements and understandings between the parties and may
not be modified or terminated orally. No modification, termination or attempted waiver shall be
valid unless in writing and signed by the party against whom the same is sought to be enforced.

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          (e) This Agreement shall be governed by and construed according to the laws of the State of
Michigan.

          (f) Captions and section headings used herein are for convenience and are not a part of this
Agreement and shall not be used in construing it.

          (g) This Agreement may be executed in two or more counterparts, each of which shall be deemed
an original, but all of which together shall constitute one and the same instrument.

     IN WITNESS WHEREOF, the parties have executed this Employment Agreement effective as of the
date first written above.

	 	 	 	 	 	 	 
	EXECUTIVE:	 	ORIGEN:	 	 
	 
	 	 	Origen Financial L.L.C.,

a Delaware limited liability company	 	 
	 
	 	 	 	 	 	 
	/s/ Paul Galaspie
 

PAUL GALASPIE

	 	By:

Its:
	 	/s/ Ronald A. Klein
 

CEO
	 	 
	 
	 	 	 	 	 	 
	 	 	PARENT:	 	 
	 
	 	 	 	 	 	 
	 	 	Origen Financial, Inc.,

a Delaware corporation	 	 
	 
	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Ronald A. Klein
 

	 	 
	 

	 	Its:
	 	CEO	 	 

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