Document:

<PAGE>

                              AMENDED AND RESTATED
                    SALE, ASSUMPTION AND ASSIGNMENT AGREEMENT

         This Amended and Restated Sale, Assumption and Assignment Agreement
(the "Agreement") is entered into as of the 28th day of August, 2001, by and
between Computer Receivable Acquisition Group, LLC, Delaware limited liability
company ("Assignor"), and Computer Finance LLC, a Delaware limited liability
company ("Assignee").

         WHEREAS, Assignor entered into that certain Account Purchase Agreement
with Your:)Bank.Com, a Utah industrial loan corporation ("YourBank"), Gateway,
Inc., a Delaware Corporation ("Gateway"); EMCC Servicing LLC, an Ohio limited
liability company ("Servicing"); EMCC, Inc., a Delaware corporation ("EMCC");
Asta Funding, Inc., a Delaware corporation ("Asta"), and Assignee dated August
15, 2001 (the "Purchase Agreement"); and

         WHEREAS, pursuant to the Purchase Agreement, Assignor purchased certain
accounts receivable and other related assets, all as defined as the "Assets to
be Sold" in the Purchase Agreement; and

         WHEREAS, as of August 28, 2001, Assignor and Assignee entered into a
Sale, Assumption and Assignment Agreement (the "Original Agreement"); and

         WHEREAS, the purpose of this Agreement is to amend and restate the
Original Agreement and in connection therewith clarify terms pursuant to which
(a) Assignee wishes to purchase certain of the accounts and related assets
comprising the Assets to be Sold and to be assigned all of Assignor's rights
under the Purchase Agreement upon the terms set forth herein; (b) Assignor
wishes to sell and assign to Assignee the accounts and other assets as
identified herein, as well as any and all of its rights under the Purchase
Agreement, as may relate to such accounts; and (c) the parties hereto wish that
the remainder of the accounts not sold to Assignee hereunder be sold to
Servicing, pursuant to a Sale, Assumption and Assignment Agreement of even date
herewith (the "Servicing Agreement").

         NOW, THEREFORE, in exchange for the mutual promises and covenants set
forth herein, it is agreed by and between the parties as follows:

         1. Definitions. Any terms not defined herein shall have the meanings
ascribed to them in the Purchase Agreement.

<PAGE>

         2. Sale and Assignment of Accounts.

         2.1 On the Closing Date, effective as of the Effective Time and subject
to the terms and conditions set forth herein, Assignor shall sell, transfer,
assign and otherwise convey to Assignee, on a servicing released basis, free,
clear and unencumbered title in and to the Assets to be Sold (as defined in the
Purchase Agreement) but only to the extent that such relate to the Accounts
listed on the Tape and which are odd Customer account numbers (the "Computer
Finance Subpool").

         2.2 Assignor shall convey title to the Computer Finance Subpool to
Assignee via a Bill of Sale, a copy of which is attached hereto as Exhibit "A",
which shall be executed and delivered on the Closing Date.

         2.3 Assignor further assigns and transfers to Assignee any and all of
its rights, without limitation, under, in, and to the Purchase Agreement, but
limited to and only to the extent that such rights pertain or relate to, or
arise out of, the Computer Finance Subpool. The rights assigned herein shall
include, but not be limited to, any of Assignor's right to a reduction in the
Purchase Price thereunder under Section 3.2(a) of the Purchase Agreement and the
right to any additional sums under Section 3.2 (b) of the Purchase Agreement;
the right to make claims for a breach of any warranty or representation by
YourBank or Gateway under the Purchase Agreement, including without limitation
those under Section 5 of the Purchase Agreement; any rights to future
performance by YourBank, Gateway or their Affiliates or any other entity,
including without limitation those under Section 6 of the Purchase Agreement;
and any rights of indemnification under Section 7 of the Purchase Agreement.
Notwithstanding the foregoing, the rights transferred herein shall not include
any rights or privileges relating or pertaining to any Assets to be Sold which
are not included in the Computer Finance Subpool, including any accounts or
Assets to be Sold which have been or may be sold, transferred, or assigned under
the Servicing Agreement.

         2.4 Assignor does not assign and Assignee does not assume any of
Assignor's obligations under the Purchase Agreement, except that Assignor hereby
assigns, and Assignee hereby assumes, Assignor's obligations under Section 6 of
the Purchase Agreement relating solely to the ownership and collection of the
Computer Finance Subpool.

         3. Consideration for Assets to be Sold.

         3.1 Initial Purchase Price. In consideration for the sale by Assignor
to Assignee of the Computer Finance Subpool as provided in Section 2 above,
Assignee agrees to pay Assignor an amount equal to the Computer Finance Subpool
Purchase Price (as defined below). On the Closing Date, the Assignee shall pay
Assignor an amount equal to (i) 50% of the Purchase Price paid by Assignor to
YourBank pursuant to Section 3.1 of the Purchase Agreement and (ii) 50% of the
net Closing Date adjustment to the Purchase Price paid by Assignor to YourBank
pursuant to Section 3.2(a) of the Purchase Agreement (the sum of (i) and (ii)
the "Initial Purchase Price").

                                      -2-
<PAGE>

         3.2 Purchase Price Adjustments.

         (a) Assignor Reconciliation. Upon the final determination of the
reconciliation pursuant to Section 3.2(b) of the Purchase Agreement (the
"Section 3.2(b) Reconciliation"), the Initial Purchase Price shall be adjusted
as follows: if, pursuant to the Section 3.2(b) Reconciliation, Assignor is
entitled to receive payment, then Assignor shall pay to Assignee an amount equal
to 50% of the payment paid to Assignor by YourBank; if, pursuant to the Section
3.2(b) Reconciliation, Assignor is obligated to make a payment to YourBank, then
Assignee shall pay to Assignor an amount equal to 50% of the payment owed by
Assignor. The adjustment of the Initial Purchase Price pursuant to this Section
3.2(a) shall be referred to herein as the Reconciled Initial Purchase Price.

         (b) Reconciliation. No later than sixty (60) days after the Closing
Date, Assignor and Assignee shall adjust the Reconciled Initial Purchase Price
in order that the price paid by Assignee to Assignor for the Computer Finance
Subpool shall reflect the price actually paid by Assignor for such Computer
Finance Subpool (the "Computer Finance Subpool Purchase Price"). As soon as the
necessary information becomes available (but in no event later than sixty (60)
days after the Closing Date), the Assignor and Assignee shall calculate the
Computer Finance Subpool Purchase Price as follows: (i) the portion of the
amount determined pursuant to Section 3.1 of the Purchase Agreement that is
attributable to the Computer Finance Subpool, (ii) increased or decreased (as
the case may be) by the portion of the net Closing Date adjustment determined
pursuant to Section 3.2(a) of the Purchase Agreement that is attributable to the
Computer Finance Subpool and (iii) further increased or decreased (as the case
may be) by the portion of the net reconciliation determined pursuant to Section
3.2(b) of the Purchase Agreement that is attributable to the Computer Finance
Subpool. If the Computer Finance Subpool Purchase Price exceeds the Reconciled
Initial Purchase Price, then Assignee shall pay Assignor the amount of such
excess; if the Computer Finance Subpool Purchase Price is less than the
Reconciled Initial Purchase Price, then Assignor shall pay Assignee the amount
of such shortfall.

         3.3 Closing Statement. Assignor and Assignee will execute a Closing
Statement, as Exhibit B, detailing the Computer Finance Subpool Purchase Price
calculations described in Section 3.1 and 3.2 above.

         3.4 Treatment as a Sale. The parties intend that the sale of the
Computer Finance Subpool hereunder shall constitute a purchase and sale and not
a loan.

         3.5 Further Assurances. Each party agrees to take such other and
further action and to execute any other document(s) as may be reasonably
necessary in order to fully effectuate the terms of this Agreement. Assignor
agrees to, and shall, act in accordance with the Operating Agreement of
Assignor, as agent for Assignee to administer any and all claims, rights of
refund or to return accounts relating to YourBank or Gateway under the Purchase
Agreement, and shall continue to so act during any such

                                      -3-
<PAGE>

time as such rights exists. Assignee shall reimburse Assignor for its actual,
reasonable out of pocket expenses incurred in complying with this provision, but
Assignor shall otherwise not be entitled to compensation of any kind. Assignee
shall otherwise bear its own costs associated with any returns, refunds, or
claims against YourBank and/or Gateway, and shall share equally with Servicing
all general administrative costs associated with the general operations of
Assignor.

         4. Closing. The closing with respect to the sale and purchase of the
Computer Finance Subpool shall take place simultaneously with the closing of the
transactions contemplated by the Purchase Agreement.

         5. Representations and Warranties.

         5.1 Assignor's Representations, Warranties and Covenants. Assignor
hereby represents and warrants as of the date of execution of this Agreement,
that:

         (a) Assignor is a limited liability company duly organized, validly
existing and in good standing under the laws of the state of Delaware and has
the full power, authority and legal right to execute and deliver, engage in the
transactions contemplated by, and perform and observe the terms and conditions
of, this Agreement. The members of Assignor and their respective ownership
interests of Assignor are EMCC Servicing LLC (50%) and Computer Finance LLC
(50%).

         (b) Each of the respective parties hereto is solely liable and
responsible for compensating any of its brokers and agents in connection with
the transactions contemplated by this Agreement.

         (c) Assuming the due authorization, execution and delivery of this
Agreement by Assignee, this Agreement constitutes the legal, valid and binding
obligation of Assignor, enforceable against Assignor in accordance with its
terms, subject as to enforceability to applicable bankruptcy, reorganization,
insolvency, moratorium or other laws affecting the sale of accounts receivable
generally, and to general principles of equity (regardless of whether
enforcement is sought in a proceeding in equity or at law).

         (d) The execution, delivery and performance by Assignor of this
Agreement and the transactions contemplated hereby do not and will not violate,
conflict with or result in a breach or default under its organizational
documents, any federal or state law applicable to Assignor or any agreement to
which Assignor is a party or by which Assignor or any of its property is bound,
including but not limited to the Purchase Agreement.

         (e) No authorization, approval, consent or other action by, and no
notice to or filing with, any governmental authority or other person needs to or
will be made or obtained by Assignor for the due execution, delivery or
performance of this Agreement and the transactions contemplated hereby.

                                      -4-
<PAGE>

         (f) Assignor and each other party to the Purchase Agreement are not in
default of their obligations thereunder. Assignor has no knowledge or
information regarding the Accounts, or the willingness or ability of YourBank or
any Affiliate of YourBank to perform its respective obligations under the
Purchase Agreement that would adversely affect the rights being assigned to
Assignee by Assignor hereunder.

         5.2 Assignee's Representations, Warranties and Covenants. Assignee
hereby represents and warrants, as of the Closing Date and as of the Effective
Time, that:

         (a) Assignee is a limited liability company duly organized, validly
existing and in good standing under the laws of State of Delaware and has the
full power, authority and legal right to execute and deliver, engage in the
transactions contemplated by and perform and observe the terms and conditions of
this Agreement.

         (b) Assignee is solely liable and responsible for compensating any of
its brokers and agents in connection with the transactions contemplated by this
Agreement.

         (c) Assuming the due authorization, execution and delivery of this
Agreement by the Assignor, this Agreement constitutes the legal, valid and
binding obligation of Assignee, enforceable against it in accordance with its
terms, subject as to enforceability to applicable bankruptcy, reorganization,
insolvency, moratorium or other laws affecting the sale of accounts receivable
generally, and to general principles of equity (regardless of whether
enforcement is sought in a proceeding in equity or at law).

         (d) The execution, delivery and performance by Assignee of this
Agreement and the transactions contemplated hereby do not and will not violate,
conflict with or result in a breach or default under its organizational
documents, any federal or state law applicable to Assignee or any agreement to
which Assignee is a party or by which Assignee or any of its property is bound.

         (e) No authorization, approval, consent or other action by, and no
notice to or filing with, any governmental authority or other person needs to or
will be made or obtained by Assignee for the due execution, delivery or
performance of this Agreement and the transactions contemplated hereby.

         6. Indemnification

         6.1 Assignment of Indemnification Rights. Assignor herein assigns to
Assignee any and all rights of Indemnification granted to it in and pursuant to
the Purchase Agreement, including without limitation those set forth in Section
7 thereof.

         6.2 Indemnification by Assignee. Assignee will indemnify Assignor (the
"Assignor Indemnified Party") and hold each such party harmless from any
liability, loss, cost or expense, including reasonable attorneys' fees, which
shall result from or arise out

                                      -5-
<PAGE>

of (i) the breach (or any third-party allegation, which if true would constitute
a breach of a Assignee representations or warranties) of any of Assignee's
representations or warranties in this Agreement; (ii) the breach by Assignee of
any of its covenants or agreements herein; or (iii) any liability or obligation
relating to the Computer Finance Subpool which arises out of any event or
condition occurring or existing after the Closing Date; provided, however, that
in no event shall Assignee be obligated under this Section 6.2 to indemnify an
Assignor Indemnified Party against any liability, loss, cost or expense which
shall result from an Assignor Indemnified Party's willful misconduct or gross
negligence, or any condition existing after the date of this Agreement which
also existed prior to the Closing Date. In case any claim is made, or any suit
or action is commenced against an Assignor Indemnified Party in respect of which
indemnification may be sought by an Assignor Indemnified Party under this
Section 6.2, Assignor shall promptly give Assignee notice thereof and Assignee
shall be entitled to participate in (or, if Assignor does not desire to defend,
to conduct) the defense thereof at Assignee's expense. Assignee may (but need
not) defend or participate in the defense of any such claim, suit or action, but
Assignee shall promptly notify Assignor if Assignee shall not desire to defend
or participate in the defense of any such claim, suit or action. Assignor may at
any time notify Assignee of its intention to settle or compromise any claim,
suit or action against an Assignor Indemnified Party in respect of which
payments may be sought by an Assignor Indemnified Party hereunder (and in the
defense of which Assignee has not previously elected to participate), and
Assignor may settle or compromise any such claim, suit or action unless Assignee
notifies Assignor in writing (within ten (10) days after Assignor has given
Assignee written notice of its intention to settle or compromise) that Assignee
intends to indemnify an Assignor Indemnified Party and conduct the defense of
such claim, suit or action. Any such settlement or compromise of, or any final
judgment or decree entered on or in, any claim, suit or action which Assignor
has defended or participated in the defense of in accordance herewith shall be
deemed to have been consented to by, and shall be binding upon, Assignee as
fully as if Assignee had assumed the defense thereof and a final judgment or
decree had been entered in such suit or action, or with regard to such claim, by
a court of competent jurisdiction for the amount of such settlement, compromise,
judgment or decree.

         7. Conditions Precedent to the Obligations of Assignee. The obligations
of Assignee to consummate the purchase provided for herein are subject to the
fulfillment (except to the extent, if any, waived by Assignee) of the following
conditions at or prior to the Closing Date:

         7.1 Regulatory Approvals. All required licenses, approvals, consents
and notifications of any relevant state and federal regulatory agencies in
respect of the transactions provided for herein shall have been obtained or made
and all necessary conditions, including all legally required waiting, notice or
protest periods, of such licenses, approvals, consents and notifications shall
have been fully satisfied.

         7.2 Absence of Litigation. There shall not be pending on the Closing
Date any action or proceeding instituted by any person, entity or governmental
authority against

                                      -6-
<PAGE>

Assignor or Assignee to prevent the consummation of the sale of the Computer
Finance Subpool and, on the Closing Date, there shall be no injunction, decree
or similar legal restraint preventing the consummation of such sale.

         7.3 Truth of Representations. The representations and warranties of
Assignor set forth in this Agreement shall be true in all material respects as
though made again on and as of the Closing Date.

         7.4 Performance of Covenants. The covenants and agreements of Assignor
set forth in this Agreement and to be performed on or before the Closing Date
shall have been performed in all material respects, including but not limited to
the consummation of the Purchase Agreement.

         7.5 Items to be Delivered by Assignor. Assignor shall have delivered to
Assignee:

         (a) The Bill of Sale, and other instruments and documents as counsel
for Assignee may reasonably require as necessary or desirable for confirming the
transfer, assignment and conveyance of title to the Computer Finance Subpool to
Assignee, all in form and substance satisfactory to Assignee.

         (b) A certificate signed by a duly authorized officer of Assignor to
the effect that (i) the warranties and representations of Assignor in this
Agreement are true as of the Closing Date or, if any such warranties and
representations are not then true, specifying the deficiency in reasonable
detail; and (ii) the covenants and agreements of Assignor to be performed
hereunder on or before the Closing Date have been performed in all material
respects, or, if any such covenants have not been so performed, specifying the
deficiency in reasonable detail and providing a timetable for such covenants to
be performed, in which event the Closing Date may be postponed at the option of
the Assignor.

         (c) The Closing Statement.

         8. Conditions Precedent to the Obligations of Assignor. The obligation
of Assignor to consummate the sale provided for herein is subject to the
fulfillment (except to the extent, if any, waived by Assignor) of the following
conditions at or prior to the Closing Date:

         8.1 Regulatory Approvals. All required licenses, approvals, consents
and notifications of any relevant state and federal regulatory agencies in
respect of the transactions provided for herein shall have been obtained or made
and all necessary conditions, including all legally required waiting, notice or
protest periods, of such licenses, approvals, consents and notifications shall
have been fully satisfied.

                                      -7-
<PAGE>

         8.2 Absence of Litigation. There shall not be pending on the Closing
Date any action or proceeding instituted by any person, entity or governmental
authority against Assignor or Assignee to prevent the consummation of the sale
of the Assets to be Sold by Assignor to Assignee pursuant hereto, and on the
Closing Date there shall be no injunction, decree or similar legal restraint
preventing the consummation of such sale.

         8.3 Truth of Representations. The representations and warranties of
Assignee set forth in this Agreement shall be true in all material respects as
though made again on and as of the Closing Date.

         8.4 Performance of Covenants. The covenants and agreements of Assignee
set forth in this Agreement and to be performed on or before the Closing Date
shall have been performed in all material respects.

         8.5 Items to be Delivered by Assignee. Assignee shall have delivered to
Assignor:

         (a) A payment to Assignor by transfer of funds immediately available of
the Computer Finance Subpool Purchase Price.

         (b) The Bill of Sale, and other instruments and documents as counsel
for Assignor may reasonably require as necessary or desirable for confirming the
receipt and assumption of title to the Computer Finance Subpool by Assignee, all
in form and substance satisfactory to Assignor.

         (c) A certificate signed by a duly authorized officer of Assignee to
the effect that (i) the warranties and representations of Assignee in this
Agreement are true as of the Closing Date or, if any such warranties and
representations are not then true, specifying the deficiency in reasonable
detail; and (ii) the covenants and agreements of Assignee to be performed
hereunder on or before the Closing Date have been performed in all material
respects, or, if any such covenants have not been so performed, specifying the
deficiency in reasonable detail and providing a timetable for such covenants to
be performed, in which event the Closing Date may be postponed at the option of
the Assignor.

         (d) The Closing Statement.

         9. Miscellaneous

         9.1 Expenses. Except as is otherwise specifically provided in this
Agreement, each party shall pay its own costs and expenses in connection with
this Agreement and the transactions contemplated hereby, including, but not by
way of limitation, all regulatory fees, attorneys' fees, broker fees (except as
otherwise provided elsewhere in this Agreement), conversion costs, accounting
fees and other expenses.

                                      -8-
<PAGE>

         9.2 Notices. All notices, demands and other communications hereunder
shall be in writing and shall be deemed to have been duly given if delivered in
person or by United States mail, certified or registered, with return receipt
requested, or otherwise actually delivered, via nationally recognized overnight
courier service, return receipt requested:

If to Assignor:            Computer Receivable Acquisition Group LLC
                           33 Riverside Drive
                           Pembroke, MA 02359
                           Fax#:  (781) 829-1802
                           Attention:  General Counsel

If to Assignee:            Computer Finance LLC
                           210 Sylvan Avenue
                           Englewood Cliffs, New Jersey 07632
                           Attention:  Gary Stern, Manager

         The persons or addresses to which mailings or deliveries shall be made
may be changed from time to time by notice given pursuant to the provisions of
this Section 9.2. Any notice, demand or other communication given pursuant to
the provisions of this Section 9.2 shall be deemed to have been given on the
date actually delivered or five (5) days following the date deposited in the
United States mail, properly addressed, postage prepaid, as the case may be.

         9.3 Successors and Assigns. All terms and provisions of this Agreement
shall be binding upon and shall inure to the benefit of the parties hereto and
their respective transferees, successors and assigns; provided, however, that
this Agreement and all rights, privileges, duties and obligations of the parties
hereto may not be assigned or delegated by Assignor without the written consent
of Assignee.

         9.4 Counterparts. This Agreement may be executed in one or more
counterparts, all of which taken together shall constitute one instrument.

         9.5 Governing Law. The laws of the State of New York applicable to
contracts executed and wholly performed therein shall govern the validity and
interpretation hereof and the performance of the parties hereto of their
respective duties and obligations hereunder.

         9.6 Captions. The captions contained in this Agreement are for
convenience of reference only and do not form a part of this Agreement.

         9.7 No Third Party Rights. Nothing in this Agreement shall create or be
deemed to create any third party beneficiary rights in any person not party to
this Agreement, other than Servicing, who shall be a third party beneficiary of
any post-

                                      -9-
<PAGE>

closing reconciliations among and between Assignee and Servicing under Section 3
of this Agreement.

         9.8 Entire Agreement. The making, execution and delivery of this
Agreement by the parties hereto have been induced by no representations,
statements, warranties or agreements other than those herein expressed. This
Agreement and the other written agreements specifically referred to herein
embody the entire understanding of the parties and there are no further or other
agreements or understandings, written or oral, in effect between the parties
relating to the subject matter hereof. This instrument and the agreements
contained herein may be amended or modified only by a written instrument signed
by both parties or their duly authorized agents.

         9.9 Severability. If any of the provision of this Agreement shall be
for any reason whatsoever held invalid, then such provision shall be deemed
severable from the remaining terms of this Agreement and shall in no way affect
the validity or enforceability of the remainder of this Agreement.

         9.10 Sale Does Not Constitute a Securities Transaction. The
transactions contemplated by this Agreement do not involve, nor are they
intended in any way to constitute, the purchase of a "security" or "securities"
within the meaning of any applicable securities laws, and none of the
representations, warranties or agreements of the Assignor shall create any
inference that the transactions involve any "security" or "securities".

         9.11 Gramm-Leach-Bliley Act. Notwithstanding this Agreement or any
other agreement to the contrary, it is understood and agreed that member and
customer information obtained pursuant to this Agreement will be held in strict
confidence and used only as necessary as contemplated by this Agreement and as
permitted by applicable law in compliance with the Gramm-Leach-Bliley Act.
Access to member and customer information will be limited to those employees and
agents needing such information as contemplated by this Agreement and pursuant
to reasonable business practices adopted to limit access and unauthorized
disclosure of same or as permitted by applicable law. Member and customer
information will be disclosed to non-Affiliated third parties only as necessary
as contemplated by this Agreement or as permitted by applicable law. This
provision shall survive termination of this Agreement.

         9.12 Non-Merger. The provisions of this Agreement shall not merge with
the Bill of Sale or any other documents after the Closing Date.

                                      -10-
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed and delivered this
Agreement as of the 28th day of August, 2001.

COMPUTER RECEIVABLE ACQUISITION GROUP, LLC

By:  EMCC SERVICING LLC

         By:
            ----------------------------------------
         Name:  Stacey Schacter, Manager

         Dated:
               -----------------------------

By:  COMPUTER FINANCE LLC

         By:
            ----------------------------------------
         Name: Gary Stern, Manager

COMPUTER FINANCE LLC

         By:
            ----------------------------------------
         Name:  Gary Stern, Manager

                                      -11-
<PAGE>

                                    EXHIBIT A

                                  BILL OF SALE

         THIS BILL OF SALE is effective as of August 15, 2001, is between
Computer Receivable Acquisition Group, LLC, a Delaware limited liability company
("Assignor") and Computer Finance LLC, a Delaware limited liability company
("Assignee"). Unless otherwise defined herein, terms used herein shall have the
meanings specified in the Amended and Restated Sale, Assumption and Assignment
Agreement effective as of August 28, 2001, between Assignor and Assignee (the
"Agreement").

         Assignor, for value received and in connection with the Agreement,
transfers, sells, assigns, conveys, grants, and delivers to Assignee and
Assignee's successors and assigns free, clear and unencumbered title to the
Computer Finance Subpool as defined in the Agreement and all of Assignor's
rights thereto effective as of 12:01 AM on June 1, 2001 (the "Effective Time").
The sale will be without recourse to Assignor and without warranty of any kind
(including, without limitation, warranties pertaining to title, validity,
collectibility, accuracy or sufficiency of information, and applicability of any
statute of limitations), except as stated in the Agreement or herein.

COMPUTER RECEIVABLE ACQUISITION GROUP, LLC

By:  EMCC SERVICING LLC

         By:
            ----------------------------------------
         Name:  Stacey Schacter, Manager

By:  COMPUTER FINANCE LLC

         By:
            ----------------------------------------
         Name: Gary Stern, Manager

                                      -12-<PAGE>

                                                                   EXHIBIT 10.7

                                                               [Execution Copy]

===============================================================================

                           LOAN AND SECURITY AGREEMENT

                                  BY AND AMONG

                   GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

                              COMPUTER FINANCE LLC

                                       AND

                               ASTA FUNDING, INC.

                                 August 30, 2001

===============================================================================

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>

                                                                                                               Page
<S>                                                                                                            <C>

SECTION 1.        SENIOR ADVANCES AND COMMITMENTS.................................................................2
         1.1      Senior Advance..................................................................................2
         1.2      Junior Advance..................................................................................2
         1.3      The Note........................................................................................2
         1.4      Initial Advances; Reconciliations...............................................................2

SECTION 2.        CONDITIONS PRECEDENT TO THE SENIOR ADVANCE......................................................3
         2.1      The Financing Documents.........................................................................3
         2.2      Certified Resolutions...........................................................................3
         2.3      Documentation and Proceedings...................................................................3
         2.4      Representations and Warranties..................................................................4
         2.6      Junior Advance..................................................................................4

SECTION 3.        APPLICATION OF PAYMENTS.........................................................................4
         3.1      Servicer.  .....................................................................................4
         3.2      Collection of Payments and Remittances; Application of Proceeds.................................4

SECTION 4.        INDEMNIFICATION AND BUYER RECOURSE EXPENSES.....................................................6
         4.1      Payment of Indemnification Claims...............................................................6
         4.2      Buyer Recourse Expense..........................................................................8
         4.3      Payment of Indemnification and Buyer Recourse Expenses..........................................8

SECTION 5.        ASTA PARTIES REPRESENTATIONS AND WARRANTIES.....................................................8
         5.1      Organization and Standing.......................................................................8
         5.2      Power and Authority.............................................................................9
         5.3      Binding Obligations.............................................................................9
         5.4      Compliance With Other Instruments...............................................................9
         5.5      Litigation......................................................................................9
         5.6      No Material Adverse Contracts, Etc. ...........................................................10
         5.7      Consents by Authority..........................................................................10
         5.8      Finder's or Broker's Fees......................................................................10
         5.9      Securities Laws................................................................................10
         5.10     Disclosure.....................................................................................10
         5.11     No Material Business...........................................................................11
         5.12     Foreign Person.................................................................................11
         5.13     No Adverse Change..............................................................................11
         5.14     ERISA..........................................................................................11
         5.15     No Unpaid Taxes................................................................................11

</TABLE>

<PAGE>

<TABLE>

<S>                                                                                             <C>
         5.16     Margin Stock....................................................................11
         5.17     Liens and Encumbrances..........................................................11
         5.18     Dealings with Obligor...........................................................12
         5.20     Lack of Reliance. ..............................................................12
         5.21     Borrower and Asta Solvent.......................................................12

SECTION 6.        COVENANTS OF BORROWER...........................................................12
         6.1      Payments........................................................................12
         6.2      Business and Existence..........................................................13
         6.3      Indebtedness and Expenses.......................................................13
         6.4      Payment of Taxes and Assessments................................................13
         6.5      Notice of Event of Default......................................................13
         6.6      Additional Information; Further Assurances......................................14
         6.7      Right of Inspection/Right of Audit..............................................14
         6.8      Liens...........................................................................14
         6.9      No Transfer of Servicing Rights.................................................15
         6.10     Notification of Litigation, Liens, Material Events..............................15
         6.11     Maintenance of First Priority...................................................15
         6.12     Consolidation, Merger, Sale of Assets...........................................15
         6.13     Other Agreements................................................................16
         6.14     Distributions...................................................................16
         6.15     Capability......................................................................16
         6.16     Approvals and Licenses..........................................................16
         6.17     Remittance to Lender............................................................16
         6.18     Change in Accounting Policies...................................................17
         6.19     Financial Statements............................................................17
         6.20     Fraudulent Activities; Violations of Law........................................17
         6.21     Transfer of Assets..............................................................17
         6.22     Notification of Communication...................................................17
         6.23     Lender's Reliance...............................................................17

SECTION 7.        DEFAULT.........................................................................19
         7.1      Events of Default...............................................................19
         7.2      Effect of Event of Default......................................................21

SECTION 8.        COLLATERAL......................................................................21
         8.1      Security Interest in Borrower Collateral........................................21
         8.2      Lien Perfection.................................................................22
         8.3      Location of Collateral..........................................................22
         8.4      Protection of Collateral........................................................23
         8.5      Administration of Receivables...................................................23

</TABLE>

<PAGE>

<TABLE>

<S>                                                                                             <C>
         8.6      Disputes and Claims Regarding Receivables.......................................24

SECTION 9.        MISCELLANEOUS...................................................................24
         9.1      No Personal Recourse............................................................24
         9.2      Errors and Omissions Insurance..................................................24
         9.3      Power of Attorney; Consents.....................................................25
         9.4      Indemnification.................................................................26
         9.5      Set-off.........................................................................26
         9.6      Sale of Receivables.............................................................27
         9.7      Profit Share Receivables........................................................28
         9.8      Interest Rebate.................................................................28
         9.9      Amortization Targets............................................................28
         9.10     Notices.........................................................................29
         9.11     Survival of Representations and Warranties......................................30
         9.12     Relationship Between Parties....................................................30
         9.13     Confidentiality.................................................................31
         9.14     Termination.....................................................................31
         9.15     Amendments......................................................................31
         9.16     Waivers.........................................................................31
         9.17     Transferability of Agreement; Senior Advance Participations.....................31
         9.18     Replacement Note................................................................32
         9.19     GOVERNING LAW...................................................................32
         9.20     Submission to Jurisdiction. ....................................................32
         9.21     Enforceability of Agreement.....................................................32
         9.22     Titles..........................................................................33
         9.23     Entire Agreement................................................................33
         9.24     Execution in Counterparts.......................................................33

</TABLE>

<PAGE>

                                                               [Execution Copy]

                           LOAN AND SECURITY AGREEMENT

         This LOAN AND SECURITY AGREEMENT ("this Agreement") is made as of
August 30, 2001 (the "Closing Date"), among Greenwich Capital Financial
Products, Inc., a Delaware corporation ("GCFP" or the "Lender"), in its capacity
as Lender, with an address at 600 Steamboat Road, Greenwich, CT 06830, Computer
Finance LLC, a Delaware limited liability company ("Borrower"), with an address
at 210 Sylvan Avenue, Englewood Cliffs, NJ 07632, and Asta Funding, Inc., a
Delaware corporation ("Asta"), with an address at 210 Sylvan Avenue, Englewood
Cliffs, NJ 07632. The Lender, the Borrower and Asta (sometimes singularly
referred to as a "Party" and collectively referred to as "Parties") agree as
follows:

                                    RECITALS

         A. The Seller will purchase portfolios of computer-related finance
Receivables from YOUR:)BANK.COM, a Utah industrial loan corporation
("YOUR:)BANK") pursuant to the Purchase Agreements.

         B. The Borrower will purchase from Seller the Receivables pursuant to
the Sale Agreements, subject to the limitations set forth herein.

         C. The Borrower desires to pledge the Receivables as security for the
Senior Advance which Lender shall loan to the Borrower, subject to the terms and
conditions set forth herein, and which loan proceeds the Borrower shall apply to
the Portfolio Acquisition Price.

         D. Asta shall contribute to the Borrower the Junior Advance, subject to
the terms and conditions set forth herein, which funds the Borrower shall apply
to the Portfolio Acquisition Price.

         E. Pursuant to the CCS Servicing Letter, CCS shall initially service
the Receivables; thereafter, pursuant to the OSI Servicing Agreement, Gulf State
shall service the Receivables.

         NOW, THEREFORE, in consideration of the premises and agreements herein
contained, the Borrower, the Lender and Asta hereby agree as follows:

<PAGE>

                                   DEFINITIONS

         Certain capitalized terms used in this Agreement shall have the
respective meanings assigned to them in Appendix A attached hereto. All
references herein to "the Agreement" or "this Agreement" are to this Loan and
Security Agreement as it may be further amended and supplemented from time to
time, including the Exhibits and Schedules hereto.

         SECTION 1.        SENIOR ADVANCES AND COMMITMENTS.

         1.1 Senior Advance. Subject to satisfaction of the conditions precedent
specified in Section 2 of this Agreement, the Lender shall loan the Borrower an
amount equal to 90% of the Portfolio Acquisition Price (the "Senior Advance")
for the purpose of acquiring the Receivables pursuant to the Sale Agreements
from Seller.

         1.2 Junior Advance. With respect to the purchase of the Receivables,
Asta will provide Borrower with the remainder of the Portfolio Acquisition Price
(the "Junior Advance"), for the purpose of acquiring the Receivables.

         1.3 The Note. The Senior Advance shall be evidenced by, and recorded
on, the Note, which shall bear interest on the Outstanding Senior Advance from
the Closing Date at the Interest Rate until paid in full.

         1.4 Initial Advances; Reconciliations.

                  (a) Initial Advances. At Closing, Lender shall fund the Senior
Advance in an amount equal to 90% of the Initial Portfolio Acquisition Price,
and Asta shall fund the Junior Advance in an amount equal to 10% of the Initial
Portfolio Acquisition Price.

                  (b) YOUR:)BANK Reconciliation. Within five (5) Business Days
of the final determination of the reconciliation between Seller and Your:)Bank
pursuant to Section 3.2(b) of the Purchase Agreements (the "Purchase Agreements
Reconciliation"), Lender and Asta will make a corresponding adjustment to the
Senior Advance and the Junior Advance equal to 50% of the amount of the Purchase
Agreement Reconciliation (the "YOUR:)BANK Reconciliation"), such that the Senior
Advance is reduced or increased, as the case may be, in an amount equal 90% of
the YOUR:)BANK Reconciliation, and the Junior Advance is reduced or increased,
as the case may be, in an amount equal to 10% of the YOUR:)BANK Reconciliation.

                                      -2-

<PAGE>

                  (c) Seller Reconciliation. Within five (5) Business Days of
the final determination of the reconciliation between EMCC Servicing and
Borrower with respect to the Receivables (the "Sale Agreements Reconciliation"),
Lender and Asta will make a corresponding adjustment to the Senior Advance and
the Junior Advance equal to the amount of the Seller Reconciliation attributable
to Borrower (the "Seller Reconciliation"), such that the Senior Advance is
reduced or increased, as the case may be, in an amount equal 90% of the Seller
Reconciliation, and the Junior Advance is reduced or increased, as the case may
be, in an amount equal to 10% of the Seller Reconciliation.

                  (d) Purpose; Payments. The Parties agree that the purpose of
this Section 1.4 is to ensure that the amount of the Senior Advance shall be
equal to 90% of the Portfolio Purchase Price, and the amount of the Junior
Advance shall be equal to 10% of the Portfolio Purchase Price. Consequently, the
Parties agree to cooperate to effectuate the intent of this Section 1.4. In
addition and without limitation, Lender and Asta expressly agree to make all
payments required pursuant to Sections 1.4(b) and 1.4(c) above as and when due.

         SECTION 2. CONDITIONS PRECEDENT TO THE SENIOR ADVANCE.

         The lending of the amount of the Senior Advance by the Lender hereunder
is subject to satisfaction of the following conditions precedent:

         2.1 The Financing Documents. The Borrower, Asta, CCS, OSI, Gulf State
and the Seller, as the case may be, shall have delivered to the Lender each of
the duly executed Financing Documents, a duly executed Note and any documents
required herein or therein or reasonably requested by the Lender in connection
therewith.

         2.2 Certified Resolutions. Each of the Borrower and Asta shall have
delivered to the Lender certified copies of resolutions of its managers and
Board of Directors (as the case may be), which are reasonably satisfactory to
the Lender, authorizing the execution, delivery and performance of this
Agreement, the Financing Documents, the Note and any documents and instruments
delivered hereunder or thereunder.

         2.3 Documentation and Proceedings. All corporate and legal proceedings
and all instruments in connection with the transactions contemplated by this
Agreement shall be satisfactory in form and substance to the Lender and Lender's
counsel, and the Lender shall have received all information and copies of all
documents, including records of corporate proceedings and governmental recording
and filing offices as the Lender or Lender's counsel shall have reasonably
requested, such documents to be certified

                                      -3-
<PAGE>

by proper authorities where appropriate, and the Lender shall have received
Opinions of Counsel with respect to such legal matters as the Lender or its
counsel may reasonably deem appropriate.

         2.4 Representations and Warranties. All representations and warranties
in this Agreement and the Financing Documents shall be true and correct and
covenants contained herein or therein shall be fully satisfied to the extent
performance is then due.

         2.5 Acquisition of Receivables by the Borrower. Each of the Seller and
the Borrower shall have performed, in all material respects, all of their
respective obligations under the Purchase Agreements and the Sale Agreements,
respectively. The Borrower shall have purchased the Receivables and Seller shall
deliver or have delivered the related data and other information to Servicer
free and clear of all security interests.

         2.6 Junior Advance. Asta shall have made the Junior Advance.

         SECTION 3. APPLICATION OF PAYMENTS.

         3.1 Servicer. Pursuant to the CCS Servicing Letter, CCS has agreed to
follow Seller's instructions, and pursuant to the Sale Agreements, Seller has
agreed to follow Lender's instructions with respect to the Receivables until
such time as the servicing of the Receivables has been transferred to Gulf
State, at which time Gulf State shall act as Servicer pursuant to the OSI
Servicing Agreement. As a condition of this Agreement, the Borrower has assigned
for security all of its rights under the Servicing Agreements to the Lender.
Servicer's duties are to service each Receivable in accordance with the terms of
the applicable Servicing Agreements.

         3.2 Collection of Payments and Remittances; Application of Proceeds.

                  (a) Consistent with the Servicing Agreements, this Agreement
and the Account Control Agreement, the Servicer or the Depository Bank shall
deposit in the Collection Account any Collections received by either of them and
any interest income on such Collections within one Business Day of receipt
thereof. CCS shall deposit all Collections that it receives in the Gateway
Account; all funds in the Gateway Account that are Collections shall be
transferred to the Collection Account at the end of each Business Day.
Immediately upon the commencement of Gulf State's servicing obligations, Gulf
State shall instruct the Obligors to deliver Collections to the Asta/OSI P.O.
Box; all Collections received in the Asta/OSI P.O. Box shall be deposited in the
Lockbox Account within one Business Day of receipt; all good funds in the
Lockbox Account shall be transferred to the Collection Account at the end of
each Business Day. On and as of the Report Date, Lender shall (i) deliver the
Remittance Report to each of the Borrower and Asta,

                                      -4-
<PAGE>

which Remittance Report shall detail the application by the Lender of any
Collections deposited in the Collection Account during the related Monthly
Period (together with any Investment Income contained therein and any other
amounts deposited into the Collection Account with respect to the related
Monthly Period) which application shall occur within one Business Day of such
deposit, and (ii) distribute such Collections in the following order, priority
and amounts:

                  first, to the Servicer an amount equal to the aggregate of (i)
         its Servicing Fee and (ii) the Set-Up Fee;

                  second, to pay any Buyer Recourse Expense;

                  third, to the Lender and Asta or Borrower, respectively,
         reimbursement of any outstanding Reimbursable Expenses;

                  fourth, to deposit into the Indemnity Reserve Account, an
         amount equal to the excess, if any, of the Maximum Remaining
         Indemnification Reserve over the then outstanding balance of the
         Indemnity Reserve Account; provided, however, that at any time when
         there is no outstanding Indemnification Claim, then the amount to be
         deposited in the Indemnity Reserve Account shall be equal to the excess
         of (x) the lesser of (a) $250,000 and (b) the Maximum Remaining
         Indemnification Reserve and (y) the then outstanding balance of the
         Indemnity Reserve Account;

                  fifth, to the Lender, accrued and unpaid interest at the
         Interest Rate on the Outstanding Senior Advance;

                  sixth, to the Lender, repayment of the unpaid principal
         balance of the Outstanding Senior Advance until such Outstanding Senior
         Advance is reduced to zero;

                  seventh, to Asta, accrued and unpaid distributions equal to
         the product of (i) the Preferred Rate and (ii) the Unrecovered Junior
         Advance;

                  eighth, repayment of the Unrecovered Junior Advance until such
         Unrecovered Junior Advance is reduced to zero;

                  ninth, to Asta, reimbursement of any Outstanding
         Indemnification Expense; and

                                      -5-
<PAGE>

                  tenth, to each of the Lender and to Asta, 50% of the remaining
         Collections (the applicable percentage entitlements of the Lender and
         Asta under this clause tenth, the "Lender Profit Percentage" and the
         "Asta Profit Percentage", respectively).

                  (b) For purposes of Section 3.2(a) and for each Monthly
Period, the Lender shall estimate in good faith the amount of the Servicing Fee
for the subject Monthly Period, expressed as a percentage of Collections for
such Monthly Period (the "Target Servicing Fee Percentage"). The Target
Servicing Fee Percentage shall be determined as follows:

                            (i) for the first, second and third Monthly Periods
after the Closing Date, the Target Servicing Fee Percentage shall be 10%; and

                            (ii) beginning with the fourth Monthly Period after
the Closing Date and each Monthly Period thereafter, the Target Servicing Fee
Percentage shall be the arithmetic average of the Actual Servicing Fee
Percentage over the three Monthly Periods immediately preceding the subject
Monthly Period.

During each Monthly Period, the Lender shall, prior to applying Collections
pursuant to distribution priorities second through tenth set forth under Section
3.2(a), hold in escrow an amount equal to the Target Servicing Fee Percentage
multiplied by Collections deposited in the Collection Account during the related
Monthly Period (together with any Investment Income contained therein and any
other amounts deposited into the Collection Account with respect to the related
Monthly Period). The amount held in escrow as of the close of business on the
last day of each Monthly Period will be released on the related Report Date to
pay the Servicer the amount due to it as a Servicing Fee in respect of the
related Monthly Period. To the extent the amount so released exceeds the
Servicing Fee, the Lender shall apply the excess amount pursuant to Section
3.2(a) as if such funds had been deposited in the Collection Account on the last
day of the related Monthly Period (which will therefore increase the amount
distributed pursuant to clauses second through tenth under Section 3.2(a)). To
the extent the amount so withdrawn is insufficient to pay the Servicing Fee in
full, the Lender will deduct the shortfall from amounts most recently applied by
it as Collections pursuant to Section 3.2(a) during the related Monthly Period
(which will therefore decrease the amount distributed pursuant to clauses second
through tenth under Section 3.2(a)).

                  (c) The Lender shall establish and maintain in its books and
records an entry entitled the "Gateway Indemnity Reserve Account" (the
"Indemnity Reserve Account"). Funds shall be booked in the Indemnity Reserve
Account pursuant to clause fourth of Section 3.2(a). The funds in the Indemnity
Reserve Account shall earn interest at the federal funds rate as established
from time to time by the Federal Reserve Open Market Committee. Lender shall
apply such interest pursuant to Section 3.2(a) as if

                                      -6-
<PAGE>

received as Collections on the last day of the related Monthly Period. The
Indemnity Reserve Account shall be maintained until the fourth anniversary of
the Closing Date at which time any remaining funds shall be deposited in the
Collection Account, to be distributed in accordance with Section 3.2(a), unless
at such time there are outstanding and unpaid Indemnification Claims, in which
event the Indemnity Reserve Account shall be maintained until such outstanding
and unpaid Indemnification Claims are finally resolved.

         SECTION 4. INDEMNIFICATION AND BUYER RECOURSE EXPENSES.

         4.1 Payment of Indemnification Claims.

                 (a) To the extent that Asta or the Borrower is obligated to
pay the amount due in respect of an Indemnification Claim (such amount an
"Indemnification Amount"), (i) Asta agrees that it shall pay Indemnification
Amounts on behalf of itself and Borrower (but with respect to the Borrower only
under circumstances in which Asta is jointly and severally liable with
Borrower), and (ii) Borrower agrees that it shall pay Indemnification Amounts on
behalf of itself. Neither Borrower nor Asta shall pay any Indemnification Amount
except as permitted under this Agreement. At any time that any Indemnification
Amount is due and owing or Asta has any Outstanding Indemnification Expenses,
such Indemnification Amount shall be promptly paid and such Outstanding
Indemnification Expenses shall be promptly repaid from the following sources:

                  first, from Indemnification Recoveries, if any;

                  second, from amounts on deposit in the Indemnity Reserve
         Account;

                  third, from Asta, an amount up to but not greater than any
         Interest Rebate previously paid to Asta;

                  fourth, in accordance with clause ninth of Section 3.2(a)
         above; and

                  fifth, Profit Disgorgement from each of Asta and the Lender.

                  (b) If the Borrower receives any Indemnification Recoveries on
or following any date upon which any Indemnification Amount is due and owing or
has been paid, such funds shall be promptly disbursed in the following order,
priority and amounts:

                  first, to pay outstanding Indemnification Amounts until
         reduced to zero;

                                      -7-
<PAGE>

                  second, to Asta, to repay any Outstanding Indemnification
         Expenses until reduced to zero;

                  third, to each of Lender and Asta ratably, to repay the
         aggregate amount of their respective Profit Disgorgements, if
         applicable;

                  fourth, to Asta, to repay the amount of any Interest Rebate
         repaid pursuant to clause third of Section 4.1(a) above; and

                  fifth, to Lender for deposit into the Collection Account, to
         be distributed pursuant to Section 3.2(a).

         4.2 Buyer Recourse Expense. If, on the date that any Buyer Recourse
Expense is due, and funds available pursuant to clause second of Section 3.2(a)
are insufficient to satisfy such expense, then such shortfall shall be funded in
the following order, priority and amounts:

                  first, from Asta, an amount up to but not greater than any
         Interest Rebate previously paid to Asta pursuant to Section 9.8 below;

                  second, from each of Asta and Lender in equal amounts, an
         amount up to but not greater than any profits previously distributed
         pursuant to clause tenth of Section 3.2(a) which have not been
         previously disgorged;

                  third, from Asta, an amount up to but not greater than any
         previous distributions received by Asta pursuant to clauses eighth and
         seventh of Section 3.2(a);

                  fourth, from Lender, an amount up to but not greater than any
         previous distributions received by Lender pursuant to clauses sixth of
         Section 3.2(a); and

                  fifth, from Lender and Asta ratably, an amount up to but not
         greater than any previous distributions received by each of Lender and
         Asta pursuant to clause third of Section 3.2(a).

         4.3 Payment of Indemnification and Buyer Recourse Expenses. Lender and
Asta expressly agree to make all payments required pursuant to Sections 4.1 and
4.2 above as and when due.

                                      -8-
<PAGE>

         SECTION 5. ASTA PARTIES REPRESENTATIONS AND WARRANTIES.

                                      -9-
<PAGE>

         To induce the Lender to enter into this Agreement and to make the
Senior Advance provided for herein, the Borrower and Asta, jointly and
severally, hereby make the following representations and warranties, which shall
survive the execution and delivery of this Agreement, the Note and the other
Financing Documents.

         5.1 Organization and Standing. Each Asta Party is, and will continue to
be, duly organized and a validly existing corporation or limited liability
company, as applicable, in good standing under the laws of the state of its
incorporation or formation, with all requisite power and authority to own and
operate its respective properties and assets, to conduct the businesses in which
it is respectively engaged or proposes to engage and to consummate the
transactions contemplated in the Financing Documents, has been duly qualified as
a foreign corporation or foreign limited liability company, as applicable, in
each jurisdiction where required by the conduct of its business or its ownership
of properties unless failure to do so will not have a material adverse effect,
and has not adopted any resolutions or taken any action leading to liquidation.

         5.2 Power and Authority. Each Asta Party has all requisite
organizational power and authority to execute, deliver, and carry out the terms
and provisions of the Financing Documents to which it is a party, and has duly
and properly taken all necessary action to permit and authorize the execution,
delivery and performance of the Obligations under the Financing Documents, and
the consummation of its role in the transactions contemplated herein and
therein.

         5.3 Binding Obligations. The Financing Documents executed by each Asta
Party have been duly authorized, executed and delivered by the respective Asta
Party and each constitutes a legal, valid and binding obligation of such Asta
Party, enforceable in accordance with their respective terms except as
enforceability may be limited by bankruptcy, reorganization, insolvency,
moratorium or similar laws affecting the enforcement of creditors' rights
generally and by general principles of equity, regardless of whether such
enforceability is considered in a proceeding in law or in equity.

         5.4 Compliance With Other Instruments. No Asta Party is in violation
of, or default under, any Requirement of Law, any agreement or instrument to
which it is a party or by which it is bound or to which any of its properties or
assets are subject, which violation or default would have a material adverse
effect on such Asta Party or its ability to perform its duties under the
Financing Documents or which would affect the legality or enforceability of this
Agreement. The execution, delivery and performance on the Closing Date by each
Asta Party of and in accordance with the Financing Documents, and any document
required to be delivered hereunder or thereunder, the consummation of the
transactions contemplated herein or therein and the compliance with the terms
and provisions hereof or thereof will not contravene any Requirement of Law to
which any Asta Party is subject (including without limitation any applicable

                                      -10-
<PAGE>

consumer credit servicing or bankruptcy laws, statutes, rules or regulations)
and will not, in any material respect, violate, conflict with or result in any
breach of any of the terms, covenants, conditions or provisions of, or
constitute a default under, or result in the creation or imposition of any
security interest, other than the security interest in favor of the Lender, upon
any of the property or assets of any Asta Party pursuant to the terms of any
indenture, mortgage, deed of trust, agreement or other instrument to which any
Asta Party is a party or by which its properties or assets are bound or may be
subject.

         5.5 Litigation. There are no actions, suits, proceedings or
investigations pending or, to best knowledge of the Borrower and Asta,
threatened against or affecting any Asta Party or its properties or assets, or
to which any Asta Party or its properties or assets is subject, nor is there any
outstanding judgment, order, writ, injunction, decree or award affecting any
Asta Party or its properties or assets before any court or before any federal,
state, municipal or other governmental department, commission, board, bureau or
agency, which, either individually or in the aggregate, could have a material
adverse effect on its business, assets, properties or financial condition, or
which (with respect to Asta only, to its knowledge) in any manner might
materially impair the Receivables, or which would affect the legality or
enforceability of this Agreement or the Financing Documents, and no Asta Party
is aware of any basis for any such suit, proceeding, or investigation except as
disclosed in the Purchase Agreements (and any certification provided in
connection therewith).

         5.6 No Material Adverse Contracts, Etc. No Asta Party is obligated
under any contract or agreement or under any law, regulation or decree, which
materially and adversely affects its ability to perform its obligations under
the Financing Documents or which materially and adversely affects the value of
the Receivables or which would affect the legality or enforceability of the
Financing Documents.

         5.7 Consents by Authority. Except for the filing of financing
statements, similar notices of encumbrance, or as may be provided in the Sale
Agreements, all actions, approvals, consents, waivers, exemptions, variances,
franchises, orders, permits, authorizations, rights and licenses required to be
taken, given or obtained, as the case may be, by or from any federal, state or
other governmental authority or agency, that are necessary in connection with
the execution, delivery and performance by each Asta Party of its obligations
which it was required to perform as of such date under the Financing Documents,
have been duly taken, given or obtained, as the case may be, are in full force
and effect on the date hereof, are not subject to any pending proceedings or
appeals (administrative, judicial or otherwise) and either the time within which
any appeal therefrom may be taken or review thereof may be obtained has expired
or no review thereof may be obtained or appeal therefrom taken, and are adequate
to authorize the consummation by each Asta Party of the transactions
contemplated by the Financing Documents and the performance by each Asta Party
of its obligations hereunder and thereunder.

                                      -11-

<PAGE>

         5.8 Finder's or Broker's Fees. Other than fees approved by the Lender
in its sole discretion, there are no broker's or finder's fees payable to any
Person in connection with this Agreement or the transactions contemplated
herein.

         5.9 Securities Laws. No Asta Party is required to register as an
"investment company" under the Investment Company Act of 1940, as amended, and
the execution and delivery of the Note as contemplated hereunder is exempt from
the registration requirements of the Securities Act of 1933, as amended, and
applicable state securities laws.

         5.10 Disclosure. The representations and warranties and other
statements of fact made by the Asta Parties in the Financing Documents and any
certificates, exhibits and schedules attached hereto or thereto (including any
such documents furnished by electronic medium) or furnished to the Lender or its
designee by any Asta Party in connection with the Senior Advance, do not contain
any untrue statement of a material fact or omit to state a material fact
necessary in order to make the statements contained herein or therein not
misleading. There is no fact or condition existing as of the date hereof which
materially and adversely affects, or to the best of knowledge of each Asta
Party, in the future is anticipated to materially and adversely affect, the
condition (financial or otherwise), or prospects, of any Asta Party or (with
respect to Asta only, to its knowledge) the Receivables.

         5.11 No Material Business. Since its formation, the Borrower has had no
material business or operations and has no liabilities.

         5.12 Foreign Person. No Asta Party is a "foreign person" within the
meaning of Section 1445(f)(3) of the Code.

         5.13 No Adverse Change. There has not been, and there will not be, any
adverse change in the business, operations, financial condition, properties or
prospects of Borrower since the date of its formation or of Asta since June 30,
2001.

         5.14 ERISA. The Borrower has no Plans. No notice of a Lien arising
under Title I or Title IV of ERISA has been filed or is reasonably likely to be
filed under Section 6323(a) of the Code (or any successor provision) against, or
otherwise affecting the assets of Asta.

         5.15 No Unpaid Taxes. The Borrower has paid all of its taxes when due
except those taxes the liability for which the Borrower has contested in good
faith, provided the Borrower has maintained adequate resources therefor on its
books in accordance with GAAP. Asta has paid all of its taxes when due except
(i) those taxes the liability for which Asta has contested in good faith,
provided Asta has

                                      -12-
<PAGE>

maintained adequate resources therefor on its books in accordance with GAAP, and
(ii) those taxes the liability for which is less than $50,000, individually or
in the aggregate.

         5.16 Margin Stock. The Borrower is not engaged in the business of
extending credit for the purpose of purchasing or carrying "margin stock" (as
defined in Regulation U of the Board of Governors of the Federal Reserve
System), and no proceeds of the Senior Advance or Junior Advance will be used
for the purpose, whether immediate, incidental or ultimate, of purchasing or
carrying any margin stock or extending credit to others for such purpose.

         5.17 Liens and Encumbrances. Upon the Borrower's acquisition of the
Receivables, the Receivables will be owned by the Borrower free and clear of any
lien other than the security interest in favor of the Lender. All actions
(including UCC filings, notifications of Obligors and filings in Bankruptcy
Proceedings) necessary in any jurisdiction to give the Lender, a first priority
perfected lien under the UCC or the state common law, as applicable, in each
Receivable acquired by the Borrower will be performed. No Receivable acquired by
the Borrower or constituent part thereof, constitutes a "negotiable instrument"
or "negotiable document of title" (as such terms are used in the UCC) unless
such instrument or document of title has been delivered to the Lender. In
connection with the sale of any Receivable by Seller to the Borrower, the
Borrower has filed or will cause to be filed within ten days after the
acquisition of the Receivable, in respect to each such sale, UCC financing
statements in all jurisdictions necessary to perfect a sale of "accounts,"
"chattel paper," "payment intangibles" or "general intangibles" (as such terms
are defined in the UCC) by Seller to the Borrower.

         5.18 Dealings with Obligor. To the actual knowledge of the Borrower and
Asta, no action or omission on the part of Seller or any of its agents or
Affiliates would give rise to any right under the FDCPA or any other Requirement
of Law on the part of any Obligor to bring any action or claim that would result
in a material adverse effect on the Borrower or the Receivables.

         5.19 Location of Place of Business. The Borrower's primary place of
business and chief executive offices are located at 210 Sylvan Avenue, Englewood
Cliffs, NJ 07632.

         5.20 Lack of Reliance. Independently and without reliance upon the
Lender, each of the Borrower and Asta, to the extent it deems appropriate, has
made and shall continue to make its own independent investigation of the merits
and risks involved in its role under this Agreement and the other transactions
contemplated hereby, and the Lender shall not have any duty or responsibility,
either initially or on a continuing basis, to provide either the Borrower with
any information concerning Asta or to provide Asta with any information
concerning the Borrower, as the case may be.

                                      -13-
<PAGE>

         5.21 Borrower and Asta Solvent. As of the date hereof and immediately
after making the Senior Advance, the fair value of the property of each of the
Borrower and Asta shall be greater than the fair value of the liabilities of
each of the Borrower and Asta, and each of the Borrower and Asta is and will be
solvent, is and is expected to be able to pay its debts as they mature and does
not and is not expected to have unreasonably small capital to engage in the
business in which it is engaged and proposes to engage.

         SECTION 6. COVENANTS OF BORROWER.

         Unless the Lender shall otherwise consent in writing, the Borrower
hereby covenants and agrees, and Asta hereby covenants and agrees with respect
to the matters set forth in Sections 6.5, 6.7, 6.19, 6.22 and 6.23, that from
the date hereof and until Lender and Borrower reasonably determine that no
further Collections are likely to be received from the Receivables, the Borrower
and Asta will:

          6.1 Payments. Ensure that principal, interest and any other amounts
payable are duly and punctually paid in accordance with the priorities set forth
in Section 3.2(a) and as otherwise provided herein.

          6.2 Business and Existence. Perform all things necessary to preserve
and keep in full force and effect its existence and comply in all material
respects with each Requirement of Law. The Borrower shall not engage in any line
of business other than ownership of the Receivables and related assets. The
Borrower shall notify the Lender not less than 30 days in advance of any change
in location of its place of business. Without prior written consent of the
Lender, which consent shall not be unreasonably withheld, delayed or
conditioned, the Borrower shall not amend its Operating Agreement, which is
attached hereto as Exhibit A, and shall comply with all of the provisions of its
Operating Agreement.

          6.3 Indebtedness and Expenses. Not incur, create or suffer to exist
any Indebtedness, other than Indebtedness in respect of this Agreement, the Note
and the Financing Documents, and shall pay and discharge all of its
indebtedness, obligations and expenses promptly in accordance with this
Agreement and the other Financing Documents and normal terms and practices of
its business, before the same shall become in default, as well as all lawful
claims for labor, materials and supplies which otherwise, if unpaid, might
become a lien upon its properties or assets or any part thereof.

          6.4 Payment of Taxes and Assessments. Pay when due all taxes,
assessments and other governmental charges or levies which become due and
payable by the Borrower to any political entity, subdivision or department
thereof under any law now or hereafter in force or effect. The Borrower however,
shall not be required to pay any tax, charge or assessment so long as the
Borrower shall contest, in good faith and at its cost and expense, in its own
name and behalf, the amount or validity thereof, in an

                                      -14-
<PAGE>

appropriate manner or by appropriate proceedings which shall operate during the
pendency thereof to prevent the collection of or other realization upon the tax,
assessment, levy or charge so contested, provided that no such contest shall
subject the Lender to the risk of any liability and that the Borrower shall take
appropriate reserves or provide appropriate bond or collateral in respect
thereof. Each such contest shall be promptly prosecuted to final conclusion
(subject to the right of the Borrower to settle any such contest) and the
Borrower will promptly after the final determination of such contest or
settlement thereof (including any appeals), pay and discharge the amounts which
shall be levied, assessed or imposed or determined to be payable therein,
together with all penalties, fines, interests, costs and expenses thereon or
incurred in connection therewith. The Borrower shall give the Lender prompt
written notice of any such contest.

          6.5 Notice of Event of Default. At the time of the Borrower's or
Asta's first actual knowledge of an Event of Default or a Default, furnish the
Lender with prompt written notice of the occurrence of any such event or
condition.

         6.6 Additional Information; Further Assurances.

                  (a) Furnish such other information in the possession of or
readily obtainable by the Borrower regarding the operations, business affairs
and financial condition of Borrower or its properties or assets (including but
not limited to the Receivables) as the Lender may reasonably request for the
purpose of determining compliance with the Financing Documents or the status of
the Receivables, including but not limited to true and exact copies of its books
of account, any audit reports prepared by any governmental agency or authority
and all information furnished to any governmental agency or authority; provided,
however, that any information provided to the Lender pursuant to this Section
6.6 shall be held confidential by the Lender; and

                  (b) Take such further actions as the Lender may reasonably
request for the purpose of obtaining or preserving the full benefits to the
Lender of this Agreement and of the rights and powers herein granted to the
Lender, including the filing of any financing or continuation statements under
the UCC, notifications of Obligors or filings in Bankruptcy Proceedings.

         6.7 Right of Inspection/Right of Audit.

                  (a) Asta and the Borrower shall permit any person who is
designated by the Lender to visit and inspect any of the properties, books,
systems, procedures, financial reports and records of Borrower and Asta, and to
discuss their affairs, finances and accounts all at such times and as often as
the Lender may reasonably request for the purpose of determining compliance with
the Financing Documents

                                      -15-
<PAGE>

or the status of the Receivables; provided, however, that any such visit and
inspection of Asta shall be limited to such matters as may be related to this
Agreement, the Financing Documents and the Receivables.

                  (b) The Borrower and Asta shall permit the Lender to, on not
less than 5-days prior notice, conduct an audit of the properties, books,
systems, procedures, financial reports and records of the business activities
and operations conducted by the Borrower and Asta in connection with their
performance under this Agreement and the other Financing Documents, during
regular business hours, at the location the records are then kept by the
Borrower and Asta, at the Lender's sole cost and expense; provided, however,
that any such audit of Asta shall be limited to such matters as may be related
to this Agreement, the Financing Documents and the Receivables. The Lender
shall, and shall require any third party auditor who participates in any audit
pursuant to this Section 6.7 to agree in writing to, (1) keep any audit, audit
report and information obtained during the audit confidential and (2) not
disclose nor permit any employee, Lender or other person to disclose the audit,
audit report or information obtained during the audit to any other person or
entity.

          6.8 Liens. Not contract, create, incur or suffer to exist, and require
Servicer not to contract, create, incur or suffer to exist, any security
interest in any of the Receivables, whether now owned or hereafter acquired,
except (i) the security interest in favor of the Lender, and (ii) the lien of
taxes not yet due and payable. The Borrower will defend the Receivables against,
and will take such other action as is necessary to remove, any lien, other than
the security interest in favor of the Lender, and will defend the right, title
and interest of the Lender, in and to any of the Receivables against the claims
and demands of all persons whomsoever except any person claiming under the
Lender.

          6.9 No Transfer of Servicing Rights. Not, and cause Servicer not to,
sell, pledge, or otherwise transfer or encumber any part of the servicing rights
with respect to the Receivables or the income therefrom, it being understood
that, subject to prior written consent of the Lender, this subsection does not
prohibit the Borrower or Servicer from engaging attorneys or other qualified
persons on a contingency fee basis for the purpose of pursuing collections on
the Receivables.

          6.10 Notification of Litigation, Liens, Material Events. Promptly
notify, and require Servicer to promptly notify, the Lender in writing of (i)
any litigation or dispute whether pending or threatened, of which the Borrower
has actual knowledge which could materially affect the Borrower, and if
requested by the Lender, deliver to the Lender copies of all pleadings,
unprivileged relevant correspondence and similar documentation relating thereto,
(ii) any lien, security interest, attachment or other legal process asserted
against any of the Receivables and (iii) the occurrence of any other event or
the discovery of any other information known to Borrower which could reasonably
be expected to have a material adverse effect on the aggregate market value of
the Receivables or on the security interests granted with respect thereto.

                                      -16-
<PAGE>

          6.11 Maintenance of First Priority. Take all such action, and require
Servicer to take all such action, as may from time to time be necessary to
maintain the ownership interest of the Borrower in the Receivables and of the
security interests of the Lender in the Receivables, including all notices,
waivers and recording, filing, rerecording and refiling of any documents as set
forth in the Servicing Agreement to maintain the ownership interest of the
Borrower or the security interests of the Lender and the perfection and priority
thereof. In addition, the Borrower shall, and shall require Servicer to, execute
and deliver such further documents set forth in the Servicing Agreement and take
such further action as the Lender may reasonably request in order to confirm the
ownership interest of the Borrower or security interests of the Lender, and to
preserve and protect the priority of such security interests, the rights of the
Borrower under the Sale Agreements and the rights of the Lender under this
Agreement and any Financing Document.

          6.12 Consolidation, Merger, Sale of Assets. Not (i) wind up,
liquidate, or dissolve its affairs, enter into any transaction of merger or
consolidation, convey or transfer its properties and assets substantially as an
entirety, (ii) convey, sell, lease or otherwise dispose of the Receivables or
any part thereof, except in the normal course of collections on the Receivables
or as otherwise permitted under Sections 9.6 and 9.7 of this Agreement, (iii)
institute any bankruptcy or insolvency proceeding or consent to the institution
of the same (except in the course of a Bankruptcy Proceeding on behalf of itself
or another party), or (iv) create any partnership, joint venture (other than
Seller) or subsidiary, in each case without the prior written consent of the
Lender, which consent shall not be unreasonably withheld, delayed or
conditioned.

          6.13 Other Agreements.

                  (i) Not enter into any agreement containing any provision
         which would cause an Event of Default hereunder or which would be
         violated or breached by the performance of Borrower's obligations under
         the Financing Documents or under any document or instrument delivered
         or to be delivered by Borrower hereunder or thereunder.

                  (ii) Enforce the material obligations of Servicer under the
         Servicing Agreement and of Seller under the Sale Agreements, and each
         other party under any other material agreement to which Borrower is a
         party, and not grant any material waiver or release or permit any
         material amendment (or in the case of the Sale Agreements, any
         amendment without regard to its materiality) of any such document
         without the written consent of the Lender, which consent shall not be
         unreasonably withheld, delayed or conditioned. At any time after the
         Closing Date under any of the Financing Documents, at the Lender's
         request, the Borrower hereby agrees to assign to the Lender its rights
         to directly enforce any provision in the Sale Agreements against
         Seller.

                                      -17-
<PAGE>

          6.14 Distributions. Not distribute to its members as dividends or
otherwise, any of the Borrower's assets at any time except distributions of any
amount due to Asta pursuant to Section 3.2(a) above and Sections 9.6 and 9.7
below.

          6.15 Capability. Maintain, or contract to maintain, and require
Servicer to maintain adequate capital, assets, liquidity, personnel, facilities,
equipment, software, systems capability and competence to perform its
obligations hereunder and under the Financing Documents.

          6.16 Approvals and Licenses. Maintain, and require Servicer to
maintain, all consents, approvals, authorizations, orders, rights, licenses,
franchises, and permits, if any, required by or from any federal, state or other
governmental authority or agency, for the conduct of its business and the
ownership of its properties, or otherwise obtain a waiver, exemption or variance
thereof.

          6.17 Remittance to Lender. Remit, and require Servicer and Seller to
promptly remit within one Business Day, to the Collection Account any proceeds
and collections which the Borrower, Seller and Servicer, as applicable, receive
with respect to the Receivables.

          6.18 Change in Accounting Policies. Not change its accounting policies
or reporting practices, except as allowable pursuant to GAAP, consistently
applied.

          6.19 Financial Statements. As soon as available and in any event
within 45 days after the end of each fiscal quarter of the Borrower, each of the
Borrower and Asta will deliver to the Lender, unaudited consolidated financial
statements (balance sheets together with the related statements of income and
cash flow) for such quarter. As soon as available and in any event within 90
days after the end of each fiscal year of the Borrower, each of the Borrower and
Asta will deliver to the Lender consolidated financial statements (balance
sheets as of the end of such fiscal year, and the related statements of income
and cash flow) for such fiscal year, each of which shall have been audited by a
firm of a regionally or nationally recognized independent public accountants.
Together with each delivery of quarterly and annual financial statements
pursuant to this clause, each of the Borrower and Asta will deliver a
certificate of an officer of the Borrower to the effect that such financial
statements fairly and accurately present the results of operations and financial
condition of the Borrower as of the date of such financial statements and that
the Borrower is in compliance with the provisions of this Agreement. Each of the
Borrower and Asta shall promptly provide to the Lender) such additional
information as the Lender may reasonably request.

          6.20 Fraudulent Activities; Violations of Law. In the fulfillment of
the Borrower's Obligations under this Agreement, not engage in, and no Person
under its direct control or direction shall engage in, any fraudulent activity
or other activity which would constitute a violation of a Requirement of Law.

                                      -18-
<PAGE>

          6.21 Transfer of Assets. Not sell or otherwise transfer any
Receivables, purchased pursuant to this Agreement to any third party without the
prior written consent of the Lender, which consent shall not be unreasonably
withheld, delayed or conditioned, except in connection with a Qualifying
Performing Receivable Sale pursuant to Section 9.6 below.

          6.22 Notification of Communication. Promptly provide the Lender copies
of any written communication, and written notice of any unwritten communication
(which notice shall describe in reasonable detail the subject matter and
substance of such unwritten communication) between each of the Borrower, Asta,
Seller, YOUR:)BANK and/or Gateway in connection with the Receivables.

          6.23 Lender's Reliance. Borrower and Asta acknowledge that the Lender
is entering into the transactions contemplated by this Agreement in reliance
upon Borrower's identity as a legal entity that is separate from Asta and that
the Lender will be adversely affected if Borrower does not enforce its rights
under the Sale Agreements. Therefore, from and after the date of execution and
delivery of this Agreement, Borrower shall take all reasonable steps, including,
without limitation, all steps that the Lender may from time to time reasonably
request, to maintain Borrower's identity as a separate legal entity and to make
it manifest to third parties that Borrower is an entity with assets and
liabilities distinct from those of Asta and any Affiliates thereof and not just
a division of Asta. Without limiting the generality of the foregoing and in
addition to the other covenants set forth herein, Borrower shall:

                  (a) maintain its own separate books and records and bank
accounts;

                  (b) at all times hold itself out to the public as a legal
entity separate from the its members and any other Person;

                  (c) file its own tax returns, if any, as may be required under
applicable law, to the extent it is (a) not part of a consolidated group filing
a consolidated return or returns or (b) not treated as a division for tax
purposes of another taxpayer, and pay any taxes so required to be paid under
applicable law;

                  (d) not commingle its assets with assets of any other Person
(except as contemplated by the Financing Documents), and maintain the assets in
a manner that facilitates their identification and segregation from those of its
member(s) and other Persons;

                  (e)      conduct its business in its own name;

                                      -19-
<PAGE>

                  (f) maintain separate financial statements, and include a
footnote in such financial statements stating that Borrower maintains separate
assets from Asta and that Borrower's assets will not be available to creditors
of Asta in the event Asta defaults in its obligations to such creditors;

                  (g) ensure that any financial statements of any member or
Affiliate thereof which are consolidated to include the Borrower contain
detailed notes clearly stating that (a) all of the Borrower's assets are owned
by the Borrower, and (b) the Borrower is a separate entity with its own separate
creditors that will be entitled to be satisfied out of the Borrower's assets
prior to any value in the Borrower becoming available to the Borrower's equity
holders;

                  (h) pay its own liabilities only out of its own funds;

                  (i) not permit any Affiliate of a member or member, except an
officer of the Borrower, to be, nor to hold itself out to be, responsible for
the debts of the Borrower or the decisions or actions in respect of the daily
business and affairs of the Borrower;

                  (j) maintain an arm's length relationship with its Affiliates
and its members;

                  (k) pay the salaries of its own employees, if any;

                  (l) require that any full-time employees of the Borrower
identify themselves as such and not as employees of any member (including
without limitation, by means of providing appropriate employees with business or
identification cards identifying such employees as the Borrower's employees);

                  (m) not hold out its credit as being available to satisfy the
obligations of others;

                  (n) allocate fairly and reasonably with its Affiliates any
overhead for shared office space;

                  (o) ensure that the Borrower's operating expenses will not be
paid by any member or an Affiliate of a member;

                  (p) use separate stationery, invoices and checks;

                  (q) not pledge its assets for the benefit of any other Person;

                  (r) correct any known misunderstanding regarding its separate
identity;

                                      -20-
<PAGE>

                  (s) maintain adequate capital in light of its contemplated
business purposes, cash flow, financing contemplated by the Financing Documents,
and any other Indebtedness which the Borrower is permitted to incur under the
Financing Documents;

                  (t) ensure that no Affiliate of a member or member shall,
directly or indirectly, name the Borrower or enter into any agreement to name
the Borrower as a direct or contingent beneficiary or loss payee of any
insurance policy with respect to property of a member or Affiliate of a member;

                  (u) cause the Board of Managers to meet at least annually or
act pursuant to written consent and keep minutes of such meetings and actions
and observe all other Delaware limited liability company formalities; and

                  (v) not acquire any obligations or securities of a member
(except as contemplated by the Financing Documents).

         SECTION 7. DEFAULT.

         7.1 Events of Default. The occurrence of any one or more of the
following events shall constitute an "Event of Default" under this Agreement:

                  (a) Representations and Warranties. Any representation or
warranty made by the Borrower or other Asta Party under any Financing Documents
or any certificate, exhibit or other document required thereunder is false,
misleading, incomplete or untrue in any material respect (an "Untrue Matter")
shall be an Event of Default immediately upon an occurrence.

                  (b) Covenants. (1) Any covenant, term, agreement or condition
contained in Sections 6.1, 6.2, 6.3, 6.8, 6.9, 6.11, 6.12, 6.14, 6.17, 6.20 or
6.21 is breached by the Borrower or any other Asta Party (all of which shall be
Events of Default immediately upon their occurrence) or (2) any other covenant,
term, agreement or condition contained in the Financing Documents is breached by
the Borrower or any other Asta Party and such breach continues unremedied for a
period of five Business Days.

                  (c) Bankruptcy or Insolvency. Any of the Borrower or any other
Asta Party (i) is dissolved, (ii) fails or is unable or admits in writing its
inability to pay its debts generally as they become due, (iii) commences a
voluntary case in bankruptcy or any other action or proceeding for any other
relief under any law affecting creditors' rights that is similar to a bankruptcy
law, (iv) consents by answer or otherwise to the commencement against it of an
involuntary case in bankruptcy or any other such action or proceeding, or an
involuntary case in bankruptcy or any other such action or proceeding in respect
of such

                                      -21-
<PAGE>

Person any of their properties is commenced and is not dismissed on or before
the sixtieth day after the commencement thereof, (v) makes an assignment for the
benefit of creditors, (vi) files a petition or applies to any tribunal for the
appointment of a custodian, receiver or any trustee for all or a substantial
part of its assets, (vii) by any act or omission indicates its consent, approval
of, or acquiescence in the appointment of a receiver, custodian or trustee for
all or a substantial part of its property, (viii) is adjudicated a bankrupt,
(ix) becomes insolvent however otherwise evidenced, or (x) ceases to continue as
a going concern.

                  (d) Fraudulent Conveyances. The Borrower or any other Asta
Party conceals, removes or permits to be concealed or removed, any part of its
property, with intent to hinder, delay or defraud its creditors or any of them,
or makes or permits a transfer of any of its property which transfer is
fraudulent under any bankruptcy, fraudulent conveyance or similar law.

                  (e) Security Interests. The Financing Documents cease to
create at any time on or after the Closing Date hereunder a valid and perfected
first priority security interest in favor of the Lender in any Collateral
acquired by the Borrower, or the Borrower does not have a valid and perfected
first priority ownership interest in any Receivables acquired by the Borrower.

                  (f) Judgments. An uninsured judgment or any judgment which is
not fully insured or order for the payment of money affecting a material part of
the Borrower's business or assets shall be rendered against the Borrower, and
such judgment or order continues unsatisfied and not fully insured for a period
of thirty (30) days.

                  (g) Cross-Default. Any default or other event occurs under any
other indebtedness to Lender (or any of its Affiliates) of the Borrower, any
Asta Party or any of their Affiliates, as a result of which the Lender (or any
of its Affiliates) actually accelerates the maturity of such indebtedness or
otherwise declares it to be due and payable prior to its stated maturity.

                  (h) Breach of Sale Agreements. Any (i) material breach (as
determined by Lender in its reasonable discretion) or violation by Borrower of
any of the provisions of the Sale Agreements, the Mutual Indemnification
Agreement, or any other agreement or arrangement entered into in connection with
this Agreement (including but not limited to the Servicing Agreement or any
agreement relating to the sale of Receivables pursuant to Sections 9.6 or 9.9)
or (ii) material failure by Borrower to enforce its rights under the Sale
Agreements or the Purchase Agreements.

                  (i) Payment Default. The Borrower shall default in the payment
of (i) any principal of or interest on the Senior Advance when due (whether at
the Maturity Date, upon acceleration or at mandatory or optional prepayment), it
being understood that no notice or cure period will be required for

                                      -22-
<PAGE>

any such event to constitute an Event of Default, or (ii) any other amount
payable by it or any Asta Party hereunder or the Note or any other Financing
Document and such default shall have continued unremedied for three (3) Business
Days.

         7.2 Effect of Event of Default. If any Event of Default shall occur, in
addition to taking any action pursuant to Section 8.5 and Section 9.3, the
Lender may, at its sole option, by written notice to the Borrower (or without
written notice in case of an Event of Default under Section 7.1(c)) declare the
entire unpaid principal balance of and accrued interest on the Note, immediately
due and payable, without presentment, demand, protest or further notice of any
kind, all of which are expressly waived by the Borrower. The Lender may also
exercise any or all of the rights and remedies (i) with respect to any or all
Collateral provided to the Lender pursuant to the Financing Documents and (ii)
available to a secured creditor under applicable law, including without
limitation the UCC, as the same may be amended from time to time, including
without limiting the foregoing, the right to take possession of and sell the
Collateral and the right to replace the Servicer. Except as set forth elsewhere
in this Section 7, the occurrence of an Event of Default may only be cured by
written waiver from the Lender (and not by the passage of time or remedying of
the circumstances which led to such Event of Default).

         SECTION 8. COLLATERAL.

         8.1 Security Interest in Borrower Collateral. To secure the payment and
performance of the Obligations, the Borrower hereby grants to the Lender a
continuing security interest of first priority in all the following Property and
interests in Property of the Borrower, whether now owned or existing or
hereafter created, acquired or arising and wheresoever located:

                  (a) all Receivables;

                  (b) all Related Property;

                  (c) all Supporting Obligations;

                  (d) all monies and other Property of any kind, now or at any
time or times hereafter, owned by the Borrower;

                  (e) all contracts, contract rights, chattel paper, instruments
and documents of the Borrower;

                  (f) all rights, claims or choses in action of the Borrower;

                                      -23-
<PAGE>

                  (g) all of the Borrower's interest in the Collection Account,
any other deposit account and in all "investment property" (as such term is
defined under the Uniform Commercial Code as in effect in the applicable
jurisdiction) held in such accounts or otherwise owned by the Borrower;

                  (h) all of the Borrower's Ownership Interest in and Shares of
the Seller;

                  (i) all of the Borrower's interest in insurance policies and
bonds held by the Borrower (whether singly or jointly), including those referred
to in Section 9.2 hereof;

                  (j) all accessions to, substitutions for and all replacements,
products and cash and non-cash proceeds of (a), (b), (c), (d), (e), (f), (g),
(h) and (i) above, including proceeds of and unearned premiums with respect to
insurance policies insuring any of the Collateral; and

                  (k) all books and records (including customer lists, credit
files, computer print-outs, and other computer materials and records) of the
Borrower pertaining to any of (a), (b), (c), (d), (e), (f), (g), (h), (i) and
(j) above (excluding programs and source codes).

         8.2 Lien Perfection. The Borrower agrees to execute the UCC-1 financing
statements provided for by the UCC or otherwise together with any and all other
instruments, assignments or documents and shall take such other action as set
forth in Exhibit B and as required to perfect or to continue the perfection of
the security interest of the Lender, in the Collateral, including notifications
of Obligors and filings in Bankruptcy Proceedings. .

         8.3 Location of Collateral. All tangible Collateral and Collateral in
the form of books and records will at all times be kept by (i) the Borrower at
the business location set forth in Section 5.18 or (ii) or the Servicer at its
place of business (as previously approved by Lender), and shall not, without the
prior written approval of the Lender, be moved therefrom.

         8.4 Protection of Collateral. All insurance expenses and all expenses
of protecting, storing, warehousing, insuring, handling, maintaining and
shipping the Collateral, any and all excise, property, sales, and use taxes
imposed by any governmental authority on any of the Collateral or in respect of
the sale thereof shall be borne and paid by the Borrower. If the Borrower fails
to promptly pay any portion thereof when due, the Lender may, at its option, but
shall not be required to, pay the same and charge the Borrower therefor. All
sums so paid or incurred by the Lender for any of the foregoing and all
reasonable costs and expenses (including reasonable attorneys' fees, legal
expenses, and court costs) which the Lender may incur in enforcing or protecting
its lien on or rights and interest in the Collateral or any of its rights or
remedies, together with interest at the Interest Rate plus 3.0% (or if such rate
of interest is deemed usurious

                                      -24-
<PAGE>

under applicable law, the maximum rate of interest allowed by law) shall be
considered a Reimbursable Expense of the Lender and as such secured by all
Collateral. The Lender shall not be liable or responsible in any way for the
safekeeping of any of the Collateral or for any loss or damage thereto (except
for reasonable care in the custody thereof while any Collateral is in the
Lender's (or its agents' or representatives') actual possession) or for any
diminution in the value thereof, or for any act or default of any warehouseman,
carrier, forwarding agency, or other person whomsoever, but the same shall be at
the Borrower's sole risk.

         8.5 Administration of Receivables.

                  (a) Upon and after the occurrence of an Event of Default
(which has not been waived or cured if permitted under Section 7), the Lender
or, if so directed by the Lender, the Servicer, shall have the exclusive right
to settle or adjust all disputes and claims directly with any Obligor and to
compromise the amount or extend the time for payment of the Receivables upon
such terms and conditions as the Lender may deem advisable. Any cost or expense
incurred by Lender in connection therewith shall be a Reimbursable Expense. Upon
notice by the Lender, after the occurrence of a Servicer Event of Default, which
notice may be given in the Lender's sole discretion, the Lender shall have the
right to determine in all respects the future administration and servicing of
the Receivables.

                  (b) If any Receivable includes a charge for any tax payable to
any governmental authority, the Lender is authorized, after the occurrence of an
Event of Default, to pay the amount thereof to the proper governmental authority
for the Receivable. Any cost or expense incurred by Lender in connection
therewith shall be a Reimbursable Expense. The Borrower shall notify the Lender
if any Receivable includes any tax payable to any governmental authority and, in
the absence of such a notice (i) with respect to any Receivable, the Borrower
shall be deemed to have made a representation and warranty to the Lender that no
portion of such Receivable is payable to any governmental authority and (ii) the
Lender shall have the right to retain the full proceeds of the Receivable. In no
event shall the Lender be liable for any taxes to any governmental authority
that may be due by the Borrower by reason of the sale and delivery creating an
Receivable.

                  (c) Upon and following the occurrence of a Default or an Event
of Default and while such Default or Event of Default is continuing, any of the
Lender's officers, employees or agents shall have the right in the name of the
Lender, any designee of the Lender or the Borrower, to verify the validity,
amount or any other matter relating to any Receivables by mail, telephone,
telegraph or otherwise. The Borrower shall cooperate fully with the Lender in an
effort to facilitate and promptly conclude any such verification process.

                                      -25-
<PAGE>

         8.6 Disputes and Claims Regarding Receivables. The Borrower shall
notify the Lender promptly of all disputes and claims in connection with any
material portion of the Receivables.

         SECTION 9. MISCELLANEOUS.

         9.1 No Personal Recourse. No member or individual manager of the
Borrower will have personal liability for the repayment of the Obligations of
the Borrower or for the performance of any obligation of the Borrower or Asta
hereunder. Lender shall look solely to the Borrower for payment and performance
hereunder.

         9.2 Errors and Omissions Insurance. Borrower shall require Servicer to
cause Borrower to be added as an insured under any errors and omissions
insurance policy of the Servicer, which policy and insurer shall be reasonably
satisfactory to the Lender, together with endorsement of such insurance policy
that shall name the Lender as an additional insured, with broad coverage with
responsible insurance companies on all officers, employees or other agents
acting on behalf of the Borrower with regard to the Receivables to handle funds,
money, documents and papers relating to the Receivables. Any such errors and
omissions insurance shall protect and insure the Borrower against losses,
including forgery, theft, embezzlement, fraud, errors and omissions and
negligent acts of such Persons. No provision of this Section requiring such
errors and omissions insurance shall diminish or relieve the Borrower from its
duties and obligations as set forth in this Agreement. Each of the Servicer and
Borrower shall be deemed to have complied with this provision if one of its
Affiliates has such errors and omissions policy coverage, and by the terms of
such errors and omissions policy, the coverage afforded thereunder extends to
such party. Upon request of the Lender, the Borrower shall cause to be delivered
to the Lender a certificate evidencing coverage under such insurance policy. Any
such insurance policies shall not be cancelled or modified in any adverse manner
without prior written notice to the Lender. Any proceeds received under such
insurance policy shall be distributed according to the priorities set forth in
Section 3.2(a).

         9.3 Power of Attorney; Consents.

                  (a) Event of Default. The Borrower and Asta hereby make,
constitute and appoint the Lender their true and lawful attorney-in-fact, in
their name, place and stead, or otherwise, upon the occurrence of any Event of
Default (which has not been waived or cured if permitted under Section 7):

                           (i) To take all actions and to execute, acknowledge,
obtain and deliver any and all writings deemed advisable by the Lender in order
to exercise any rights of any of Asta or Borrower with respect to the Collateral
or to receive and enforce any payment or performance due to the Borrower with
respect to the Collateral;

                                      -26-
<PAGE>

                           (ii) To give any notices, instructions or other
communications to any person or entity in connection with the Collateral;

                           (iii) To demand and receive all performances due
under or with respect to the Collateral and to take all lawful steps to enforce
such performances and except for any claim or cause of action against Lender, to
compromise and settle any claim or cause of action of the Servicer, Asta or
Borrower arising from or related to the Collateral and give acquittances and
other discharges relating thereto; and

                           (iv) To file any claim or proceeding or to take any
other action, in the name of Asta, Borrower, or otherwise, to enforce
performances due under or related to the Collateral and to protect and preserve
the right, title and interest of the Lender thereunder.

The power of attorney described herein is a power coupled with an interest and
shall be irrevocable so long as any portion of the obligations of Asta or
Borrower hereunder remains contingent, unmatured, unliquidated, unpaid or
unperformed. The Lender shall have no obligation to exercise any of the
foregoing rights and powers in any event.

                  (b) Borrower's Power of Attorney for Sales. The Borrower
hereby makes, constitutes and appoints the Lender its true and lawful
attorney-in-fact (pursuant to the Power of Attorney attached hereto as Exhibit
G), in its name, place and stead, or otherwise, in connection with a Qualifying
Performing Receivable Sale pursuant to Section 9.6 or a sale of Receivables
pursuant to Section 9.9(b), if, but only if, the Borrower fails to execute any
agreements or documents in violation of this Agreement:

                           (i) To take all actions and to execute, acknowledge,
obtain and deliver any and all writings deemed advisable by the Lender in order
to exercise any rights of any of Borrower with respect to such sale or to
receive and enforce any payment or performance due to the Borrower with respect
to such sale;

                           (ii) To give any notices, instructions or other
communications to any person or entity in connection with such sale;

                           (iii) To demand and receive all performances due
under or with respect to such sale and to take all lawful steps to enforce such
performances and except for any claim or cause of action against Lender, to
compromise and settle any claim or cause of action of the Servicer or Borrower
arising from or related to such sale and give acquittances and other discharges
relating thereto; and

                                      -27-
<PAGE>

                           (iv) To file any claim or proceeding or to take any
other action, in the name of Borrower or otherwise, to enforce performances due
under or related to such sale and to protect and preserve the right, title and
interest of the Lender in the Collateral in connection with such sale.

The power of attorney described herein is a power coupled with an interest and
shall be irrevocable so long as the terms and conditions of Sections 9.6 and
9.9(b) remain enforceable and in effect. The Lender shall have no obligation to
exercise any of the foregoing rights and powers in any event.

                  (c) Asta's Consent to Sales. Asta hereby consents (pursuant to
the Written Consent attached hereto as Exhibit H) to Borrower and Lender
effecting any Qualifying Performing Receivable Sale pursuant to Section 9.6 or a
sale of Receivables pursuant to Section 9.9(b).

         9.4 Indemnification. Each of the Borrower and Asta agrees to indemnify
and hold the Lender harmless from all liabilities, damages, claims, losses,
judgments, reasonable costs and expenses, including reasonable attorneys' fees,
arising out of or resulting from (i) the performance or failure to perform their
respective obligations, and their respective failure to comply with any
applicable Requirements of Law and (ii) any Broker Fees not approved by Lender
pursuant to Section 5.8. Lender agrees that nothing in this Section 9.4 shall be
deemed to impose upon Asta any liability for the failure of the Collateral to
provide for repayment of the Senior Advance hereunder.

         9.5 Set-off. In addition to any rights and remedies of the Lender
provided by law or existing under any instrument, document or agreement relating
to the Obligations, if an Event of Default exists, the Lender is authorized at
any time and from time to time, without prior notice to Borrower or any other
party, any such notice being waived by Borrower and any such other party to the
fullest extent permitted by law, to set off and apply any and all monies or
deposits at any time held by or for the benefit of, and other indebtedness at
any time owing by the Lender or any of its respective Affiliates or subsidiaries
to or for the credit or the account of Borrower against any and all Obligations,
now or hereafter existing, irrespective of whether or not the Lender shall have
made demand under this Agreement or any Financing Document and although such
Obligations may be contingent or unmatured. The Lender agrees promptly to notify
Borrower after any such set-off and application made by the Lender; provided,
however, that, the failure to give such notice shall not affect the validity of
such set-off and application. The rights of the Lender under this Section 9.5
are in addition to the other rights and remedies (including other rights of
set-off) which the Lender may have.

         9.6 Sale of Receivables.

                                      -28-
<PAGE>

                  (a) The Lender, Borrower, and Asta shall cooperate in seeking
to maximize Collections through the sale of all or any portion of the
Receivables, by means of a direct sale to a third party buyer and/or by means of
a Securitization Transaction, provided that, in the case of a Securitization
Transaction, the transaction generates cash proceeds of not less than 80% of the
aggregate principal balance of such Receivables as of the relevant cut-off date.
The Borrower shall and Asta agrees to cause the Borrower to execute and deliver
any document or instrument reasonably necessary to consummate any sale of
Receivables (including a Securitization Transaction) that satisfy the terms and
conditions of Section 9.6(b) and 9.6(c) below. Neither Borrower, Asta, the
Lender nor any of their Affiliates shall be entitled to any arrangement fee or
commission in connection with any sale of Receivables pursuant to this Agreement
(other than as specifically permitted herein).

                  (b) To the extent that either Asta, Borrower or the Lender
desires to effect a sale of all or part of the Receivables to a third party
buyer or in connection with a Securitization Transaction, such sale or
Securitization Transaction shall require the consent of the Lender, Borrower and
Asta, which consent shall not be unreasonably withheld or delayed. Each of Asta,
the Borrower and the Lender agree that it shall not refuse to consent to a
proposed sale pursuant to this Section 9.6(b) based upon the representations,
warranties and indemnification for such proposed sale or Securitization
Transaction, if the purchase agreement or other appropriate document for such
transaction includes, and shall not be on terms less favorable to the Borrower
than, the Required Purchase Agreement Terms.

                  (c) Each of Asta and the Lender shall have the right to cause
the Borrower to enter into a Qualifying Performing Receivable Sale without the
other's consent. The Party who arranges such a Qualifying Performing Receivable
Sale shall be referred to herein as the "Arranging Party," and the other party
shall be referred to herein as the "Confirming Party." The Confirming Party
shall have five (5) Business Days to review any Qualifying Performing Receivable
Sale purchase agreement or other appropriate document solely for the purpose of
confirming that the proposed transaction satisfies the criteria of a Qualifying
Performing Receivable Sale, such confirmation not to be unreasonably withheld;
the Confirming Party shall be deemed to have given such confirmation if it fails
to respond in writing within the five (5) Business Day period. Within five (5)
Business Days of its receipt of notice of a sale of a Qualifying Performing
Receivable Sale, the Confirming Party shall have the right to match any such
sale by submitting to the Arranging Party a binding written commitment (the form
and content of which shall be reasonably satisfactory to the Arranging Party) to
purchase such Receivables on the same terms; provided that any such matching
purchase must close within five (5) Business Days of the Arranging Party's
receipt of the binding written commitment. If the Confirming Party fails to
close a matching transaction within the specified time frame, such Party shall
forfeit its right to match the subject sale or any other sale under this Section
9.6(c).

                                      -29-
<PAGE>

         9.7 Profit Share Receivables. At any time after the Outstanding Senior
Advance and the Unrecovered Junior Advance are reduced to zero, either of the
Lender and Asta may provide notice to the other of its desire to sell to the
other its respective rights to Profit Percentage distributions pursuant to
clause tenth under Section 3.2(a) of this Agreement. The Parties agree to
negotiate in good faith the terms of such sale; if the Parties are unable to
agree on terms within ten (10) Business Days of receipt of such notice, then the
Parties shall liquidate the Borrower, and random selections of the Remaining
Receivables with an aggregate principal balance equal to the Lender Profit
Percentage and the Asta Profit Percentage of the aggregate principal balance of
all Remaining Receivables shall be distributed to each of the Lender and Asta,
respectively (such distributed Receivables, the "Profit Share Receivables").
After such liquidation, Lender and Asta shall each bear sole responsibility for
the payment of the Servicing Fees to the applicable Servicer relating to, and
shall be entitled to all economic benefit arising from, their respective Profit
Share Receivables; conversely, each of the Lender, Asta and Borrower shall each
bear no further responsibility for, nor be entitled to any further economic
benefit from, those remaining Receivables not delivered to Lender or Asta as
Profit Share Receivables. Each of the Lender and Asta agrees to hold the other
harmless against any loss, expense, cost, liability or claim that relates to
their respective Profit Share Receivables and are caused by or arise out of any
act or omission that occurs on or after the distribution of the Profit Share
Receivables pursuant to this Section 9.7.

         9.8 Interest Rebate. Provided that (a) no Event of Default shall have
occurred and not been waived, and (b) the Lender shall have received
distributions pursuant to clause tenth of Section 3.2(a) equal to or exceeding
$10,000,000, Lender agrees that it will pay to Asta out of subsequent
distributions to Lender pursuant to clause tenth of Section 3.2(a) an amount
equal to the Interest Rebate.

         9.9 Amortization Targets.

                  (a) If (i) as of the last day of the following Monthly
Periods, the Outstanding Senior Advance exceeds the Senior Advance targets set
forth below, and (ii) Asta does not cure any failure to satisfy such targets by
contributing additional cash to the Borrower within five (5) Business Days of
the end of the applicable Monthly Period, then Lender shall have the rights set
forth in Section 9.9(b) below:

                                      -30-
<PAGE>

        Monthly Period Following
            the Closing Date                         Senior Advance Target
        ------------------------                     ---------------------

               Sixth                                60% of the Senior Advance

               Ninth                                43% of the Senior Advance

              Twelfth                               26% of the Senior Advance

             Fifteenth                              15% of the Senior Advance

            Eighteenth                              5% of the Senior Advance

            Twenty-First                                     Zero

                  (b) If any Senior Advance target is not met, then Lender shall
have the right to exercise the rights of Borrower with respect to the Ownership
Interest and the Shares and to enter into any sale of Receivables (including a
Securitization Transaction) on terms satisfactory to Lender in its reasonable
discretion, provided that the purchase agreement or other appropriate document
for such transaction includes and shall not be on terms less favorable to the
Borrower than the Required Purchase Agreement Terms. Each of Asta and the
Borrower agrees to cooperate with Lender in connection with any such sale
pursuant to this Section 9.9(a), and to take whatever action may be reasonably
necessary to consummate such a transaction, including but not limited to
executing and delivering documents, instruments and agreements reasonably
necessary to complete the transaction within five (5) Business Days of their
receipt by Asta and the Borrower, it being understood that Asta shall not be
required to provide any representation, warranty or indemnity in connection with
such transaction. Within five (5) Business Days of receipt by Asta of notice
from Lender of a sale of Receivables pursuant to this Section 9.9(b), Asta shall
have the right to match any such sale by submitting to Lender a binding written
commitment (the form and content of which shall be reasonably satisfactory to
Lender) to purchase such Receivables on the same terms, provided that any such
matching purchase by Asta must close within five (5) Business Days of the
Lender's receipt of Asta's binding written commitment. If Asta fails to close a
matching transaction within the specified time frame, Asta shall forfeit its
right to match the subject sale or any other sale under this Section 9.9(b).

         9.10 Notices. Any notice, demand, request, approval, consent or other
communication concerning this Agreement or any matter arising in connection with
this Agreement will be in writing, sent by certified mail, return receipt
requested, or by facsimile, and given to:

                                      -31-
<PAGE>

If to the Lender to:        Greenwich Capital Financial Products, Inc.
                            600 Steamboat Road
                            Greenwich, CT 06830
                            Attn:    Charles A. Forbes, Jr.
                            Tel:     (203) 622-5673
                            Fax:     (203) 618-2135

with a copy to:             Greenwich Capital Financial Products, Inc.
                            600 Steamboat Road
                            Greenwich, CT 06830
                            Attn: Legal Department
                            Fax:     (203) 618-2132

If to the Borrower to:      Computer Finance LLC
                            210 Sylvan Avenue
                            Englewood Cliffs, NJ 07632
                            Attn:    Manager
                            Tel:     (201) 567-5648
                            Fax:     (800) 994-6198

If to Asta:                 Asta Funding, Inc.
                            210 Sylvan Avenue
                            Englewood Cliffs, NJ 07632
                            Attn:    President
                            Tel:     (201) 567-5648
                            Fax:     (800) 994-6198

         9.11 Survival of Representations and Warranties. All representations
and warranties made herein shall survive the execution and delivery of this
Agreement and the other Financing Documents, and shall continue in full force
and effect until payment in full by the Borrower of the Obligations.

         9.12 Relationship Between Parties. The relationship between the Lender
and the Borrower shall be solely one of commercial lender and borrower, and
nothing contained in this Agreement or in any Financing Document shall
constitute the parties partners or co-venturers with one another. The Borrower
hereby acknowledges that it was advised by legal counsel in connection with the
execution and delivery of this Agreement and the Financing Documents. The
relationship between the Lender on the one hand and

                                      -32-
<PAGE>

the Borrower on the other is solely one of a creditor to a debtor, and no
fiduciary obligation is created thereby.

         9.13 Confidentiality. The Borrower, Asta and the Lender agree (and the
Borrower will require Servicer to agree and the Lender will require any Back-up
Servicer or auditors to agree) that the terms of this Agreement (and all
information obtained in the performance or enforcement hereunder), all other
Financing Documents, and any Senior Advance made or to be made hereunder are
confidential and shall not be disclosed to any other Person without the joint
prior written consent of the Lender and the Borrower except (a) to each Party's
counsel, (b) as required by law or (c) as specifically contemplated by this
Agreement or the other Financing Documents. It is understood that the parties
hereto may make customary references to this transaction in their financial
statements.

         9.14 Termination. This Agreement shall continue in full force and
effect until all obligations and undertakings of the parties hereunder and under
any other Financing Document have been fully discharged or performed.

         9.15 Amendments. The provisions of this Agreement, and any other
Financing Document, may from time to time be amended, modified or waived with
the consent of the Borrower and the Lender if such amendment, modification or
waiver is in writing and signed by the Lender, Asta and the Borrower.

         9.16 Waivers. No party shall be deemed to have waived any of its rights
or remedies hereunder or under any other Financing Document unless such waiver
is in writing and signed by such party and then only to the extent specifically
recited. No failure to exercise and no delay or omission in exercising any
right, remedy or recourse on the part of any party shall operate or be deemed as
a waiver of such right, remedy or recourse hereunder or thereunder or preclude
any other or further exercise thereof. A waiver or release on any one occasion
shall not be construed as continuing, as a bar to, or as a waiver or release of
any subsequent right, remedy or recourse on any subsequent occasion. All rights
and remedies of each party, whether pursuant to this Agreement, or any other
Financing Document, or any other document or instrument delivered hereunder or
thereunder, shall be cumulative and concurrent and may be exercised singly,
successively or concurrently at the sole discretion of such party and may be
exercised as often as occasion therefor may exist. The rights of each party
hereunder or any such document or instrument shall be in addition to all other
rights and remedies provided at law or in equity.

         9.17 Transferability of Agreement; Senior Advance Participations. This
Agreement shall be binding upon the Borrower, Asta, the Lender and their
respective successors and assigns, except that neither the Borrower nor Asta may
transfer or assign any or all of its rights or obligations hereunder without the
prior written consent of the Lender which shall not be unreasonably withheld,
delayed or conditioned

                                      -33-
<PAGE>

and any purported assignment without such written consent shall be null and
void. The Lender may transfer and assign this Agreement (or any part thereof) to
any Person without the prior consent of Borrower or Asta. In connection with any
such transfer, assignment or sale or proposed transfer, assignment or sale, the
Lender may furnish any information concerning this Agreement, the Financing
Documents, the Senior Advance or the Receivables that is in the possession of
the Lender from time to time to such actual or potential assignees or
transferees without the prior written consent of the Borrower and provided that
the actual or potential assignee or transferee agrees to keep all such
information confidential. The parties understand and agree that the Lender may
refer to this transaction in general terms in discussion with clients and
potential clients.

         9.18 Replacement Note. Upon the loss, theft, destruction or mutilation
of the Note, the Borrower shall execute and deliver in lieu thereof a new Note
in the same initial principal amount and with such notations on the schedule
attached to such Note as shall evidence all prepayments of the Outstanding
Senior Advance prior to the date of delivery of such replacement Note.

         9.19 GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY THE SUBSTANTIVE
LAWS OF THE STATE OF NEW YORK WITHOUT APPLICATION OF CONFLICT OF LAW PRINCIPLES.

         9.20 Submission to Jurisdiction. Each of the Parties hereby consents to
the jurisdiction of the federal district court located within the County of New
York, State of New York, with respect to all actions or proceedings relating to
this Agreement, the Note and the Receivables, and each of the Parties waives any
objection which it may have based on improper venue or forum non conveniens to
the conduct of any proceeding in any such court and waives personal service of
any and all process upon it, and consents that all such service of process be
made by mail or messenger directed to it at the address of each of the Parties
set forth in or which the Parties are given notice of pursuant to Section 9.10
and that service so made, shall be deemed to be completed upon the earlier of
actual receipt and five Business Days after the same shall have been posted to
each of the Parties' address in accordance herewith. THE PARTIES EACH WAIVE ANY
RIGHT TO TRIAL BY JURY. Each of the Parties agrees that a final judgment (after
the exhaustion of statutorily granted rights of appeal, if any) in any such
action or proceeding shall be conclusive and may be enforced in other
jurisdictions by suit on the judgment (if such a procedure is available under
applicable law) or in any other manner provided by law. Nothing contained in
this Section shall affect the right of the Lender to serve legal process in any
other manner permitted by law or to bring any action or proceeding in the courts
of any jurisdiction against each of the Parties or to enforce a judgment
obtained in the courts of any other jurisdiction.

                                      -34-
<PAGE>

         9.21 Enforceability of Agreement. Should any one or more of the
provisions of this Agreement be determined to be illegal or unenforceable, all
other provisions, nevertheless, shall remain effective and binding on the
parties hereto and such provisions shall be deemed revised to the minimum extent
necessary to render it enforceable.

         9.22 Titles. Titles of the Sections of this Agreement are merely for
convenience in reading and shall be deemed not to be a part of this Agreement
and shall be ignored in construing any provision hereof.

         9.23 Entire Agreement. This Agreement (including all Exhibits hereto)
and the Financing Documents and the Note shall constitute the full and entire
understanding and agreement of the parties hereto and there are no further or
other agreements or undertakings, written or oral, in effect between the parties
relating to the subject matter hereof unless expressly referred to herein or
therein. All prior negotiations, agreements, representations, warranties,
statements and undertakings concerning the subject matter hereof between the
parties hereto are superseded by this Agreement and those agreements in the form
of the Exhibits attached hereto.

         9.24 Execution in Counterparts. This Agreement may be executed in any
number of counterparts and in separate counterparts, each of which when so
executed and delivered shall be deemed to be an original and all of which taken
together shall constitute one and the same instrument.

                                    * * * * *

                                      -35-
<PAGE>

         IN WITNESS WHEREOF, the Parties have signed this Agreement as of the
date set forth in the first paragraph of this Agreement.

                          LENDER:

                          GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

                          By:      ___________________________
                                   Charles A. Forbes, Jr.
                          Its:     Senior Vice President

                          BORROWER:

                          COMPUTER FINANCE LLC

                          By:      ASTA FUNDING, INC., its sole Member

                                   By:      _______________________

                                   Its:     _______________________

                          ASTA FUNDING, INC.

                          By:      __________________________

                          Its:     __________________________

<PAGE>

                                                                     APPENDIX A
                                                                    DEFINITIONS

         "Account" shall have the meaning ascribed to such term in the Purchase
Agreements.

         "Account Control Agreement" means that certain Agreement among
Borrower, Asta, the Servicer, the Depository Bank and the Lender, dated as
August __, 2001.

         "Account Purchase Agreement" shall mean the Account Purchase Agreement,
dated as of August 15, 2001, by and among the Seller, YOUR:)BANK, Asta, EMCC and
Borrower, attached hereto as Exhibit C-1.

         "Actual Servicing Fee Percentage" shall mean, with respect to any
Monthly Period, a fraction, expressed as a percentage, the numerator of which is
the Servicing Fee for such Monthly Period, and the denominator of which is the
aggregate Collections for such Monthly Period.

         "Affiliate" shall mean, in respect of any specified Person, any other
Person (i) which owns beneficially, directly or indirectly, 10% or more of the
outstanding shares of the specified Person's common stock or other voting
securities, (ii) which is in control of the specified Person, as "control" is
defined under Section 230.405 of the rules and regulations of the Securities and
Exchange Commission, 17 C.F.R. ss. 230.405, as in effect on the date hereof,
(iii) of which 10% or more of the outstanding shares of common stock or other
voting securities is owned beneficially, directly or indirectly, by any Person
described in clause (i) or (ii) above, or (iv) which is controlled by such
specified Person or by any Person described in clause (i) or (ii) above, as
"controlled by" is defined under such Section 230.405.

         "Approved Counterparty" shall mean any third party buyer of Receivables
pursuant to Section 9.6 that (i) has a minimum net worth of $10,000,000 as
stated in a certificate of a senior officer of such buyer or as set forth on the
buyer's balance sheet as of its last fiscal quarter, (ii) Asta has not rejected
pursuant to a Counterparty Rejection Letter, and (iii) agrees to limit resales
of such Receivables only to subsequent buyers who are Approved Counterparties or
to a list of potential subsequent buyers approved by Asta, such approval not to
be unreasonably withheld.

         "Arranging Party" shall have the meaning set forth in Section 9.6(c) of
this Agreement.

         "Asta" shall mean Asta Funding, Inc., a Delaware corporation.

         "Asta/OSI P.O. Box" shall mean the P.O. Box jointly owned by Asta and
OSI to which Obligors shall direct all payments due pursuant to the Receivables.

                                                                 APPENDIX A - 1

<PAGE>

         "Asta Parties" mean the Borrower, Asta and any Affiliates of Asta that
are parties to any of the Financing Documents.

         "Asta Profit Percentage" shall have the meaning specified in Section
3.2(a) of the Agreement.

         "Bankruptcy Code" shall mean the United States Bankruptcy Code of 1978,
as amended from time to time, or any successor federal statute.

         "Bankruptcy Proceeding," with respect to a Obligor, means the
proceeding under Title 11 of the United States Code with respect to such
Obligor.

         "Board of Managers" shall mean a board of one or more managers who
manage and direct the business and affairs of the Borrower.

         "Borrower" shall mean Computer Finance L.L.C., a Delaware limited
liability company.

         "Broker Fee" shall mean the fee or commission paid to any broker with
respect to the Receivables.

         "Business Day" means any day other than a Saturday, Sunday or any other
day on which banks are required or authorized to be closed in New York City, New
York.

         "Buyer Recourse Expense" means any due and unpaid amounts actually
owing by the Borrower to a third party buyer of Receivables pursuant to a sale
of Receivables conducted in accordance with Sections 9.6 and 9.9(b) of this
Agreement, but only to the extent such amount is permitted by Sections 9.6 and
9.9(b) and has also been reviewed and approved in writing by the Lender, which
approval shall not be unreasonably withheld.

         "Capitalized Interest" means any shortfall in respect of any payments
required under clause fifth or seventh in Section 3.2(a) as of the last day of
any Monthly Period.

         "CCS" shall mean Citicorp Commerce Solutions, Inc., a Delaware
corporation.

         "CCS Servicing Letter" shall mean that certain letter dated August 29,
2001 from YOUR:)BANK to CCS directing CCS to take direction from Seller
regarding the servicing of the Receivables after the Closing Date.

         "Charge-Off Purchase Agreement" shall mean the Charge-Off Account
Purchase Agreement, dated as of August 28, 2001, by and among the Seller,
YOUR:)BANK, Asta, EMCC and Borrower, attached hereto as Exhibit C-2.

                                                                 APPENDIX A - 2

<PAGE>

         "Charge-off Sale, Assumption and Assignment Agreement" shall mean that
Charge-off Sale, Assumption and Assignment Agreement dated as of August 28, 2001
by and between Seller and Borrower, which is in substantially the form attached
hereto as Exhibit D-2 or is otherwise satisfactory to the Lender in its
reasonable discretion.

         "Charge-off Subpool" shall have the meaning set forth in Section 2.1 of
the Charge-off Sale, Assumption and Assignment Agreement.

         "Closing Date" shall have the meaning specified in the Introduction of
this Agreement.

         "Code" shall mean the Internal Revenue Code of 1986, as amended from
time to time, or any successor statute, and the regulations promulgated and the
rulings issued thereunder.

         "Collateral" shall mean all of the Property and interests in Property
described in Section 8.1 and Section 8.2 of this Agreement, and all other
Property and interests in Property that now or hereafter secure the payment and
performance of any of the Obligations.

         "Collection Account" shall mean the account established by the Lender
on behalf of itself and Borrower to which all amounts relating to the
Receivables acquired from Seller shall be deposited as required herein.

         "Collections" shall mean all payments received in respect of the
Receivables or in respect of other Collateral including, without limitation,
proceeds of sales of Receivables pursuant to Section 9.6 above (including any
Securitization Transaction), and payments and/or repurchase proceeds received or
arising from the Borrower exercising its recourse or indemnity rights under the
Sale Agreements or any other Financing Document.

         "Computer Finance Subpool" shall have the meaning set forth in Section
2.1 of the Sale, Assumption and Assignment Agreement.

         "Consenting Party" shall have the meaning set forth in Section 9.6(c)
of this Agreement.

         "Counterparty Rejection Letter" shall mean a letter delivered by Asta
to Lender within five (5) Business Days of the identification of a third party
buyer of the Receivables in connection with a sale (other than a Securitization
Transaction) pursuant to Section 9.6 hereof, which letter sets forth in
reasonable detail the basis for Asta's objections to selling Receivables to such
third party buyer; provided, however, that such objections must be (i)
reasonable, (ii) set forth in detail in such letter, and (iii) related to the
reputation or lack of suitability of such third party buyer in the industry;
provided further that Lender shall keep the information set forth in such letter
strictly confidential.

                                                                 APPENDIX A - 3

<PAGE>

         "Customer" means an Obligor under an Account.

         "Default" shall mean an event or condition which, with the passage of
time or the giving of notice or both, would constitute an Event of Default.

         "Depository Bank" shall mean First Union Bank.

         "EMCC Servicing" shall mean EMCC Servicing, LLC, an Ohio limited
liability company.

         "ERISA" shall mean the Employee Retirement Income Security Act of 1974,
as amended from time to time, or any successor statute, and the regulations
promulgated and the rulings issued thereunder.

         "ERISA Affiliate" shall mean any trade or business (whether or not
incorporated) which, together with the Borrower or Servicer, is treated as a
single employer under Title IV of ERISA or Section 414 of the Code.

         "Event of Default" shall have the meaning specified in Section 7.1 of
the Agreement.

         "FDCPA" shall mean the Fair Debt Collection Practices Act of 1977, as
amended.

         "Financing Documents" means this Agreement and any related agreement or
document contemplated thereunder, including the OSI Servicing Agreement, the CCS
Servicing Letter, the Account Control Agreement, the Mutual Indemnification
Agreement, the Power of Attorney, the Sale Agreements and the Purchase
Agreements.

         "GAAP" shall mean generally accepted accounting principles in the
United States, as in effect from time to time.

         "Gateway" shall mean Gateway Companies, Inc. and its Affiliates.

         "Gateway Account" shall mean that certain account established by
Gateway or its Affiliate at Bank One, Kentucky, account number 85070290.

         "GCFP" shall have the meaning specified in the Introduction of this
Agreement.

         "Gulf State" shall mean Gulf State Credit, LLC, a Delaware limited
liability company and a wholly-owned subsidiary of OSI.

                                                                 APPENDIX A - 4

<PAGE>

         "Indebtedness" shall mean, with respect to any Person, any amount
payable by such Person pursuant to an agreement or instrument involving or
evidencing money borrowed or received, the advance of credit, a conditional sale
or a transfer with recourse or with an obligation to repurchase, or pursuant to
a lease with substantially the same economic effect as any such agreement or
instrument, to which such Person is a party as debtor, borrower or guarantor,
all obligations of such Person to purchase securities (or other property) which
arise out of or in connection with the sale of the same or substantially similar
securities or property and all non-contingent obligations of such Person to
reimburse any bank or other Person in respect of amounts paid under a letter of
credit or similar instrument.

         "Indemnification Amount" shall have the meaning set forth in Section
4.1(a) of this Agreement.

         "Indemnification Claim" shall mean any claim for indemnification which
each of Asta and the Lender shall approve as valid and requiring the payment of
money (such approval not to be unreasonably withheld or delayed) pursuant to (i)
the indemnification obligations of Borrower and Asta under Section 7.2 of the
Account Purchase Agreement and Section 7.2 of the Charge-Off Purchase Agreement,
(ii) the indemnification obligations of Borrower under the Mutual
Indemnification Agreement, or (iii) the indemnification obligations of Borrower
under the Sale Agreements.

         "Indemnification Losses" shall mean the aggregate amounts paid pursuant
to clause second of Section 4.1(a) of this Agreement less the aggregate amounts
applied pursuant to clause fifth of Section 4.1(b) of this Agreement.

         "Indemnification Recoveries" means any recovery by Borrower or Asta
from any third party which relates to the circumstances that gave rise to an
Indemnification Claim.

         "Indemnity Reserve Account" shall have the meaning set forth in Section
3.2(c) above.

         "Initial Portfolio Acquisition Price" shall mean 50% of the amount paid
by Seller to YOUR:)BANK on the closing of the transactions contemplated by the
Purchase Agreements.

         "Interest Rate," with respect to any Outstanding Senior Advance and any
Monthly Period, shall mean a floating rate equal to 2% plus LIBOR as of the
first day of such Monthly Period; provided that upon and during the continuance
of an Event of Default or a failure to meet the Senior Advance targets set forth
in Section 9.9(a), with respect to any Outstanding Senior Advance and any
Monthly Period, the Interest Rate applicable to any Outstanding Senior Advance
shall be a floating rate equal to 5% plus LIBOR as of the first day of such
Monthly Period. The Interest Rate for any Monthly Period will be calculated on
the basis of a 360 day year and the actual number of days elapsed during such
Monthly Period.

                                                                 APPENDIX A - 5

<PAGE>

         "Interest Rebate" shall mean an amount equal to the excess of (i) all
amounts paid to the Lender on previous Report Dates in respect of interest
pursuant to clause fifth under Section 3.2(a) of this Agreement over (ii) the
aggregate amount which would have been paid to the Lender or such previous
Report Dates had the Interest Rate been 0.50% per annum lower.

         "Investment Income" shall mean with respect to the Collection Account
and Indemnity Reserve Account, all earnings on the amounts contained therein,
net of any investment losses and expenses.

         "Junior Advance" shall have the meaning set forth in Section 1.2.

         "Lender" shall mean Greenwich Capital Financial Products, Inc., a
Delaware corporation.

         "Lender Profit Percentage" shall have the meaning specified in Section
3.2(a) of the Agreement.

         "LIBOR" shall mean, with respect to each Monthly Period, the rate per
annum equal to the rate appearing on Bloomberg on the first day of such Monthly
Period, or if such rate shall not be so quoted then the applicable rate
appearing at page 3750 of the Telerate Screen on the first day of such Monthly
Period, or if neither such rate shall be so quoted, the rate per annum at which
the Lender is offered Dollar deposits at or about 11:00 a.m., New York City
time, on such date by prime banks in the interbank Eurodollar market where the
Eurodollar and foreign currency exchange operations of GCFP are then being
conducted, for delivery on the first day of such Monthly Period for the number
of days in such Monthly Period, and in an amount comparable to the amount of the
Outstanding Senior Advance outstanding on such day.

         "Loan Agreement" means, with respect to any Account, the written
agreement entered into by and between YOUR:)BANK, and the Customer on such
account in respect thereof setting forth the terms and conditions for such
Account.

         "Lockbox Account" shall mean the Lockbox Account established by OSI,
Gulf State and Asta in Borrower's name for the benefit of the Lender.

         "Maturity Date" shall mean that date that is 21 months from the date of
this Agreement.

         "Maximum Remaining Indemnification Reserve" shall mean an amount equal
to (i) $250,000 plus (ii) at any time after an Indemnification Claim exists,
$250,000, minus (iii) Indemnification Losses; provided, however, that any such
amount shall not be less than zero.

         "Monthly Period" shall mean, as to any Report Date, the calendar month
immediately preceding the calendar month in which such Report Date occurs.

                                                                 APPENDIX A - 6

<PAGE>

         "Multiemployer Plan" shall mean a "multiemployer plan" as defined in
Section 4001(a) (3) of ERISA.

         "Mutual Indemnification Agreement" shall mean that Mutual
Indemnification Agreement dated August 28, 2001 by and among Seller, Borrower
and EMCC Servicing.

         "Note" shall mean the secured promissory note executed by the Borrower
evidencing the Outstanding Senior Advance, in substantially the form of Exhibit
E to the Agreement.

         "Obligations" means all present and future liabilities, obligations and
indebtedness of the Borrower or any Affiliate or subsidiary of the Borrower
owing to the Lender under or in connection with this Agreement or any Financing
Document, including without limitation amounts owed in respect of the Senior
Advance, the Interest Rate, indemnities, fees, charges and expenses.

         "Obligor" shall mean each individual who is obligated to make payments
with respect to a Receivable arising under an Account pursuant to a Loan
Agreement.

         "Operating Agreement," with respect to the Borrower, shall mean the
limited liability company agreement governing the rights and obligations of its
members.

         "Opinion of Counsel" shall mean a written opinion of counsel and who,
in the case of opinions delivered to the Lender, shall be reasonably
satisfactory to the Lender.

         "OSI" shall mean OSI Portfolio Services, Inc., a Delaware corporation.

         "OSI Servicing Agreement" shall mean the servicing agreement of even
date herewith between OSI, Gulf State, Lender and the Borrower.

         "Outstanding Indemnification Expense" shall mean, any Indemnification
Amount or Regulatory Indemnification Expense that has been paid by Asta and has
not been repaid pursuant to Section 4.1 above.

         "Outstanding Senior Advance" means as of any date, (i) the Senior
Advance, plus (ii) the aggregate Capitalized Interest with respect thereto from
previous Monthly Periods, plus (iii) any amounts paid by Lender to Borrower
pursuant to clause fourth of Section 4.2, minus (iv) amounts previously applied
to the repayment of the Outstanding Senior Advance with Collections pursuant to
clause sixth in Section 3.2(a).

         "Ownership Interest" shall have the meaning set forth in the Seller
Operating Agreement.

                                                                 APPENDIX A - 7

<PAGE>

         "Party" shall have the meaning specified in the Introduction of this
Agreement.

         "Person" shall mean any legal person, including any individual,
corporation, partnership, joint venture, association, joint-stock company,
trust, unincorporated organization, governmental entity or other entity of
similar nature.

         "Plan" shall mean any employee benefit plan, other than a Multiemployer
Plan, which is subject to Title IV of ERISA or subject to the minimum funding
standards under Section 412 of the Code or Section 302 of ERISA, and either (i)
is maintained for employees of the Borrower, Servicer or any ERISA Affiliate or
in which any such employees participate or to which contributions are made by
the Borrower, Servicer or any ERISA Affiliate, or (ii) has at any time within
the preceding five years been maintained for employees of the Borrower, Servicer
or any ERISA Affiliate or any Person which was at such time an ERISA Affiliate
or in which any such employees participated at such time, or (iii) with respect
to which the Borrower, Servicer or any ERISA Affiliate could be subjected to any
liability under Title IV of ERISA (including without limitation Section 4069 of
ERISA) in the event that such plan has been or were to be terminated.

         "Portfolio Acquisition Price" shall mean an amount equal to the Initial
Portfolio Acquisition Price (i) plus the First Reconciliation in the event that
the Senior Advance and the Junior Advance are increased pursuant to Section
1.4(b), or minus the First Reconciliation in the event that the Senior Advance
and the Junior Advance are reduced pursuant to Section 1.4(b), and (ii) plus the
Final Reconciliation in the event that the Senior Advance and the Junior Advance
are increased pursuant to Section 1.4(c), or minus the Final Reconciliation in
the event that the Senior Advance and the Junior Advance are reduced pursuant to
Section 1.4(c).

         "Power of Attorney" shall mean that certain Power of Attorney as of the
date hereof executed and delivered by Borrower in substantially the form set
forth in Exhibit G hereto.

         "Preferred Rate" with respect to the Unrecovered Junior Advance and any
Monthly Period, shall mean a floating rate equal to 2% plus LIBOR as of the
first day of such Monthly Period. The Preferred Rate for any Monthly Period will
be calculated on the basis of a 360 day year and the actual number of days
elapsed during such Monthly Period.

         "Profit Disgorgement" shall mean, with respect to any Monthly Period in
which a distribution pursuant to clause ninth of Section 3.2(a) is required, an
amount payable by each of Lender and Asta pursuant to clause fifth of Section
4.1(a), equal to 50% of any Outstanding Indemnification Expense during such
Monthly Period; provided, that such Profit Disgorgement shall not be greater
than the sum of all amounts received by each of Lender and Asta pursuant to
clause tenth of Section 3.2(a) during previous Monthly Periods.

                                                                 APPENDIX A - 8

<PAGE>

         "Profit Percentage" shall mean the Asta Profit Percentage or the Lender
Profit Percentage, as the case may be.

         "Profit Share Receivables" shall have the meaning set forth in Section
9.7 above.

         "Property" shall mean any interest in any kind of property or asset,
whether real, personal or mixed, or tangible or intangible.

         "Purchase Agreements" shall mean the Charge-Off Purchase Agreement and
the Account Purchase Agreement.

         "Purchase Agreements Reconciliation" shall have the meaning set forth
in Section 1.4(b) of this Agreement.

         "Purchased Assets" shall mean the Computer Finance Subpool and the
[Charge-off Subpool].

         "Qualifying Performing Receivable Sale" shall mean any sale of current
to 30-days delinquent Receivables which (a) generates cash proceeds of not less
than 85% of the aggregate principal balance of such Receivables as of the
relevant cut-off date, (b) generates cash proceeds which equal or exceed 100% of
the then Outstanding Senior Advance, (c) is closed not earlier than October 1,
2001, (d) involves an Approved Counterparty, and (e) includes the Required
Purchase Agreement Terms.

         "Receivable" shall mean, with respect to any Obligor, any Account that
is a Purchased Asset.

         "Reconciliation Agreement" shall mean that certain Reconciliation
Agreement among Seller, Borrower and EMCC Servicing dated as of the date hereof.

         "Regulatory Indemnification Expense" shall mean any actual
out-of-pocket cost, expense and payment (including, but not limited to, any
amount paid pursuant to Section 9.4(i) above) incurred or made by Asta arising
directly out of (i) the failure of the Borrower to be properly licensed under
any state law where such license is required solely due to Borrower's
acquisition and retention of legal title to the Receivables, and (ii) violations
of the FDCPA by (x) YOUR:)BANK, its agents or predecessors or (y) the Borrower
(provided that, with respect to the Borrower, such violations are not the result
of any act or omission of the Borrower and only arise out of the acts or
omissions of the servicer of the Receivables). Any cost, expense or payment
described in the previous sentence shall be a Regulatory Indemnification Expense
if and only if each of the following is true: (1) servicing of the Receivables
is outsourced to a third party that is not an Affiliate of the Borrower or Asta,
and is otherwise acceptable to Lender; (2) Asta or Borrower has no right to
reimbursement for such cost, expense or payment from a third party that is not
insolvent as defined in the Bankruptcy Code; and (3) Asta shall have given the
Lender written notice of

                                                                 APPENDIX A - 9

<PAGE>

such costs and expenses before they are incurred, and the Lender shall have
approved such costs and expenses, which approval shall not be unreasonably
withheld.

         "Reimbursable Expense" shall mean (a) all reasonable out-of-pocket
costs incurred by either Lender or Asta in connection with its respective due
diligence, negotiation, preparation and execution of the Financing Documents and
the transactions contemplated therein (except the out-of-pocket travel costs and
expenses of Lender's or Asta's employees, but including, without limitation, the
fees and expenses of Lender's outside legal counsel); and (b) all out-of-pocket
costs and expenses incurred by Lender in connection with the administration,
amendment and enforcement of the Financing Documents; provided, that only 50% of
any out-of-pocket costs and expenses incurred by Lender in connection with any
inspection pursuant to Section 6.7(a) above shall be included as a Reimbursable
Expense.

         "Related Property" shall mean all rights, title and interest of the
Borrower under and in the Sale Agreements, including the interests of the
Borrower in the Receivables acquired thereunder.

         "Remaining Receivables" shall mean the Receivables owned by Borrower on
the date that either Asta or Lender gives notice to the other under Section 9.7.

         "Report Date" with respect to a Monthly Period, shall mean the
fifteenth day of the following Monthly Period, or if such date is not a Business
Day, the immediately succeeding Business Day.

         "Remittance Report" means a report in substantially the form of Exhibit
F attached hereto.

         "Required Purchase Agreement Terms" with respect to a purchase
agreement or other appropriate document for the sale of Receivables pursuant to
Sections 9.6 and 9.9(b) of this Agreement, shall mean all of the following: (i)
the Borrower shall give only those representations and warranties to the third
party buyer or other appropriate party with respect to the Receivables for the
period before and as of the Closing Date substantially the same in all material
respects as those given by Gateway and YOUR:)BANK in the Purchase Agreements;
(ii) the Borrower shall give only those customary representations and warranties
to the third party buyer or other appropriate party with respect to the
Receivables and the servicing thereof for the period after the Closing Date and
prior to the subject sale, and shall indemnify the buyer with respect to claims
arising out of a breach of such representations and warranties or actions or
omissions which occurred after the Closing Date and prior to the subject sale,
provided that the total liability of the Borrower for such indemnification or
recourse shall be capped at the total cash consideration received from the third
party buyer (or, in the case of a Securitization Transaction, from the sale of
securities arising therefrom); and (iii) the third party buyer or other
appropriate party shall indemnify Borrower against any claims against the
Borrower that are the result of any act or omission taken by buyer, any of its
agents, successors or assigns after the sale of the Receivables to the buyer.

                                                                APPENDIX A - 10

<PAGE>

         "Requirement of Law" shall mean, as to any Person, any law, treaty,
rule or regulation, determination or order of any arbitrator or a court or other
governmental authority, judgment, decree, franchise or permit in each case
applicable to or binding upon such Person or any of its property or to which
such Person or any of its property is subject.

         "Sale Agreements" shall mean the Sale, Assumption and Assignment
Agreement and the Charge-Off Sale, Assumption and Assignment Agreement, which
are in substantially the forms attached hereto as Exhibit D-1 and D-2 or are
otherwise satisfactory to the Lender in its reasonable discretion.

         "Sale Agreements Reconciliation" shall have the meaning set forth in
Section 1.4(c) of this Agreement.

         "Sale, Assumption and Assignment Agreement" shall mean that Sale,
Assumption and Assignment Agreement dated as of August 28, 2001 by and between
Seller and the Borrower, which is in substantially the form attached hereto as
Exhibit D-1 or is otherwise satisfactory to the Lender in its reasonable
discretion.

         "Securitization Transaction" means any transaction entered into by the
Borrower or an Affiliate of the Borrower from time to time involving the
securitization of any of the Receivables, in which Greenwich Capital Markets,
Inc. (or any of its Affiliates) acts as the placement agent and the fees and
expenses of such transaction (including reasonable sales commissions) are paid
out of the cash proceeds of the transaction.

         "Seller" shall mean Computer Receivables Acquisition Group, LLC, a
Delaware limited liability company.

         "Seller Operating Agreement," with respect to the Seller, shall mean
the limited liability company agreement governing the rights and obligations of
its members.

         "Seller Reconciliation" shall have the meaning set forth in Section
1.4(c) of this Agreement.

         "Senior Advance" shall have the meaning set forth in Section 1.1 of
this Agreement.

         "Servicer" shall mean, during the period which the CCS Servicing Letter
is effective, CCS, and, during the period which the OSI Servicing Agreement is
effective, Gulf State, or any other Person appointed to service the Receivables
pursuant to the terms of this Agreement and the Servicing Agreements.

         "Servicer Event of Default" shall mean any default by the Servicer
under the applicable Servicing Agreement.

                                                                APPENDIX A - 11

<PAGE>

         "Servicing Agreement" shall mean either the OSI Servicing Agreement,
the CCS Servicing Letter or any similar agreement with a successor Servicer, as
the context shall require.

         "Servicing Fee" shall mean the amounts payable to CCS pursuant to the
CCS Servicing Letter, the amounts payable to Gulf State pursuant to the OSI
Servicing Agreement, and the amounts payable to any successor Servicer in
respect of its servicing activities.

         "Set-Up Fee" shall mean a one-time fee charged by Servicer in an amount
equal to $15,000.

         "Shares" shall have the meaning set forth in the Seller Operating
Agreement.

         "Supporting Obligations" shall have the meaning it is given under the
UCC as in effect in the relevant jurisdiction.

         "Target Servicing Fee Percentage" shall have the meaning set forth in
Section 3.2(b) of this Agreement.

         "UCC" shall mean the Uniform Commercial Code as in effect in a
jurisdiction at any time.

         "Unrecovered Junior Advance" means, as of any date, (i) the Junior
Advance, plus (ii) the aggregate Capitalized Interest with respect thereto from
previous Monthly Periods, plus (iii) any amounts paid by Asta to Borrower
pursuant to clause fourth of Section 4.2, plus (iv) any cash contributed by Asta
to the Borrower pursuant to Section 9.9(a), minus (iv) amounts previously
applied to the repayment of the Unrecovered Junior Advance with Collections
pursuant to clause eighth in Section 3.2(a).

         "Untrue Matter" shall have the meaning given such term in Section
8.1(a) of the Agreement.

         "Written Consent" shall mean that certain Written Consent as of the
date hereof executed and delivered by Asta in substantially the form set forth
in Exhibit H hereto.

         "YOUR:)BANK" shall have the meaning given such term in Recital A above.

         "YOUR:)BANK Reconciliation" shall have the meaning set forth in Section
1.4(b) of this Agreement.

                                                                APPENDIX A - 12

<PAGE>

                             EXHIBITS AND SCHEDULES

Exhibits

Exhibit A      -   Operating Agreement of the Borrower
Exhibit B      -   Security Interest Documentation
Exhibit C-1    -   Form of Account Purchase Agreement
Exhibit C-2    -   Form of Charge-off Account Purchase Agreement
Exhibit D-1    -   Form of Sale, Assumption and Assignment Agreement
Exhibit D-2    -   Form of Charge-Off Sale, Assumption and Assignment Agreement
Exhibit E      -   Form of Note
Exhibit F      -   Form of Remittance Report
Exhibit G      -   Form of Power of Attorney
Exhibit H      -   Form of Written Consent

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