Document:

EX-10.4

[Name]

FORM

RESTRICTED STOCK AGREEMENT

This Restricted Stock Agreement (this “Restricted Stock Agreement”) is made and
entered into as of [DATE OF GRANT] (the “Date of Grant”), by and between Health
Net, Inc., a Delaware corporation (the “Company”), and [NAME] (the “Recipient”).

WHEREAS, the Compensation Committee (the “Committee”) of the Board of Directors (the
“Board”) of the Company has approved the grant of Restricted Stock, as hereinafter defined,
to the Recipient as set forth below under the Company’s [NAME OF PLAN] (the “Plan”).
Capitalized terms used but not defined herein shall have the meanings set forth in the Plan.

NOW, THEREFORE, in consideration of the covenants and agreements herein contained and
intending to be legally bound hereby, the parties agree as follows:

1. Grant of Restricted Stock. The Company hereby grants to the Recipient [NUMBER OF
SHARES] restricted shares (the “Restricted Stock”) of the Common Stock, par value $.001 per
share (the “Common Stock”) of the Company, subject to all of the terms and conditions of
this Restricted Stock Agreement. As a condition of the effectiveness of this grant, the Recipient
shall pay to the Company as soon as practicable the par value in cash for each share of Restricted
Stock subject to this grant. The Recipient’s grant and record of share ownership shall be kept on
the books of the Company, until the restrictions on transfer have lapsed pursuant to Sections 2 or
3 below. Shares that have become vested pursuant to Sections 2 or 3 below may be evidenced by
stock certificates, at the request of the Recipient, which certificates shall be registered in the
name of the Recipient and delivered to Recipient within ten (10) days of such request.

2.  Lapse of Restrictions. Except as otherwise provided in Section 3 or 11 hereof,
the restrictions on transfer set forth in Section 4 hereof shall lapse (the “Vesting Date”)
with respect to all shares of the Restricted Stock on the [NUMBER] anniversary of the
Grant Date.

3. Termination of Service.

(a) If prior to the Vesting Date, the Recipient’s employment or service with the Company is
terminated (a “Termination Event”) by either the Recipient or the Company for any reason
other than Retirement (as defined below), then all shares of Restricted Stock not yet vested shall
be immediately forfeited at such time, and the Company shall return to the Recipient an amount
equal to the par value of the Restricted Stock which was paid by the Recipient to the Company as
described in Section 1 above. If the Recipient’s employment with the Company is terminated prior
to the Vesting Date due to Retirement, then a portion of the Restricted Stock Units shall vest
immediately, which portion shall equal the total number of Restricted Stock Units multiplied by a
fraction, the numerator of which is the number of full years which have elapsed from the Date of
Grant to the date of Retirement and the denominator of which is the number of full years in the
vesting period. For purposes hereof “Retirement” shall mean the Recipient’s voluntary termination
of employment at or after the date upon which the Recipient has attained both age 55 and 10 years
of continuous service with the Company.

(b) If the Recipient violates the terms of Section 5 of this Agreement (a “Breach
Event”), in addition to being subject to all remedies in law or equity that the Company may
assert, then at any time thereafter the Company, in its sole and absolute discretion, may, with
respect to any Restricted Stock that has vested within six (6) months of the Recipient’s
termination of employment: (i) to the extent that the Restricted Stock is beneficially owned by the
Recipient, reacquire from the Recipient, in return for an amount equal to the par value of the
Restricted Stock which was paid by the Recipient to the Company as described in Section 1 above,
any or all of the shares of Restricted Stock; and (ii) to the extent that the Restricted Stock has
been sold, assigned or otherwise transferred by the Recipient, recover from the Recipient an amount
equal to the Gain Realized (as defined in Section 5 below) from such sale, assignment or transfer.

(c) Upon the occurrence of a Breach Event, the Company may elect to purchase all or any
portion of the Restricted Stock pursuant to this Section 3 by delivery of written notice (the
“Repurchase Notice”) to the Recipient within ninety (90) days after the occurrence of such
Breach Event.

4. Restrictions on Transfer. Unless earlier vested pursuant to Section 2 above,
shares of Restricted Stock may not be transferred or otherwise disposed of by the Recipient prior
to [DATE], including by way of sale, assignment, transfer, pledge or otherwise except by will or
the laws of descent and distribution.

5. Employment/Association with Company Competitor. The Recipient hereby agrees that,
during (i) the six-month period following a termination of the Recipient’s employment with an
Employer that entitles the Recipient to receive severance benefits under an agreement with or the
policy of the Company or (ii) the twelve-month period following a termination of the Recipient’s
employment with an Employer that does not entitle the Recipient to receive such severance benefits
(the period referred to in either clause (i) or (ii), the “Noncompetition Period”), the
Recipient shall not undertake any employment or activity (including, but not limited to, consulting
services) with a Competitor (as defined below), where the loyal and complete fulfillment of the
duties of the competitive employment or activity would call upon the Recipient to reveal, to make
judgments on or otherwise use any confidential business information or trade secrets of the
business of the Company or any Subsidiary to which the Recipient had access during the Recipient’s
employment with the Employer. In addition, the Recipient agrees that, during the Noncompetition
Period applicable to the Recipient following termination of employment with the Employer, the
Recipient shall not, directly or indirectly, solicit, interfere with, hire, offer to hire or induce
any person, who is or was an employee of the Company or any of its Subsidiaries during the 12 month
period prior to the date of such termination of employment, to discontinue his or her relationship
with the Company or any of its Subsidiaries or to accept employment by, or enter into a business
relationship with, the Recipient or any other entity or person. In the event that the Recipient
breaches the covenants set forth in this first paragraph of Section 5, it shall be considered a
Breach Event under Section 3 above.

For purposes of this Section 5: “Gain Realized” shall equal the difference between (x)
the par value paid by the Recipient for the Restricted Stock and (y) the greater of the Fair Market
Value (as defined in the Plan) of the Common Stock representing the Restricted Stock (I) on the
date of transfer of such Restricted Stock or (II) on the date such competitive activity with a
Competitor was commenced by the Recipient; and “Competitor” shall refer to any health
maintenance organization or insurance company that provides managed health care or related services
similar to those provided by the Company or any Subsidiary.

It is hereby further agreed that if any court of competent jurisdiction shall determine that
the restrictions imposed in this Section 5 are unreasonable (including, but not limited to, the
definition of Market Area or Competitor or the time period during which this provision is
applicable), the parties hereto hereby agree to any restrictions that such court would find to be
reasonable under the circumstances.

The Recipient acknowledges that the services to be rendered by the Recipient to the Company
are of a special and unique character, which gives this Agreement a peculiar value to the Company,
the loss of which may not be reasonably or adequately compensated for by damages in an action at
law, and that a material breach or threatened breach by the Recipient of any of the provisions
contained in this Section 5 will cause the Company irreparable injury. Recipient therefore agrees
that the Company may be entitled, in addition to the remedies set forth above in this Section 5 and
any other right or remedy, to a temporary, preliminary and permanent injunction, without the
necessity of proving the inadequacy of monetary damages or the posting of any bond or security,
enjoining or restraining Recipient from any such violations or threatened violations.

6. Rights as a Stockholder. The Company shall hold in escrow all dividends, if any,
that are paid with respect to the shares of Restricted Stock until all restrictions on such shares
have lapsed. Recipient agrees that the right to vote any shares for which the restrictions on
transfer set forth in Section 4 hereof have not yet lapsed (the “Unvested Shares”) will be
held by the Company and, accordingly, the Employee shall execute an Irrevocable Proxy in favor of
the Company for all shares of Restricted Stock in the form supplied by the Company.

7. Notices. Any notice or communication given hereunder shall be in writing and shall
be given by fax or first class mail, certified or registered with return receipt requested, and
shall be deemed to have been duly given three (3) days after mailing or twenty-four (24) hours
after transmission of a fax to the following addresses:

	 	 	 
	To the Recipient at:	 	[NAME]
	 	 	[ADDRESS]
	To the Company at:

	 	Health Net, Inc.

21650 Oxnard Street

Woodland Hills, California 91367

Attention: General Counsel

or to such other address as any party may have furnished to the other in writing in accordance
herewith, except that notices of change of address shall be effective only upon receipt.

8. Securities Laws Requirements. The Company shall not be obligated to transfer any
shares of Common Stock from the Recipient to another party, if such transfer, in the opinion of
counsel for the Company, would violate the Securities Act of 1933, as amended from time to time
(the “Securities Act”) (or any other federal or state statutes having similar requirements
as may be in effect at that time). Further, the Company may require as a condition of transfer of
any shares to the Recipient that the Recipient furnish a written representation that he or she is
holding the shares for investment and not with a view to resale or distribution to the public. The
Company either has or will file an appropriate Registration Statement on Form S-8 (or other
applicable form), and has taken or will take such actions as necessary to keep the information
therein current from time to time, in order to register the Restricted Stock under the Securities
Act and shall use its commercially reasonable efforts to cause such Registration Statement to
become effective and to maintain the effectiveness of such registration.

9. Protections Against Violations of Restricted Stock Agreement. No purported sale,
assignment, mortgage, hypothecation, transfer, pledge, encumbrance, gift, transfer in trust (voting
or other) or other disposition of, or creation of a security interest in or lien on, any of the
shares of Restricted Stock by any holder thereof in violation of the provisions of this Restricted
Stock Agreement or the Certificate of Incorporation or the By-Laws of the Company, shall be valid,
and the Company will not transfer any of said shares of Restricted Stock on its books nor will any
of said shares of Restricted Stock be entitled to vote, nor will any dividends be paid thereon,
unless and until there has been full compliance with said provisions to the satisfaction of the
Company. The foregoing restrictions are in addition to and not in lieu of any other remedies,
legal or equitable, available to enforce said provisions.

10. Taxes. The Recipient understands that he or she (and not the Company) shall be
responsible for any tax obligation that may arise as a result of the transactions contemplated by
this Restricted Stock Agreement and shall pay to the Company the amount determined by the Company
to be such tax obligation at the time such tax obligation arises. If the Recipient fails to make
such payment, the number of shares necessary to satisfy the tax obligations shall be forfeited.
The Recipient shall promptly notify the Company of any election made pursuant to Section 83(b) of
the Code.

THE RECIPIENT ACKNOWLEDGES THAT IT IS THE RECIPIENT’S SOLE RESPONSIBILITY AND NOT THE
COMPANY’S TO FILE TIMELY THE ELECTION UNDER SECTION 83(b) OF THE CODE, IN THE EVENT THAT THE
RECIPIENT DESIRES TO MAKE THE ELECTION.

11. Change of Control. Notwithstanding the provisions of Section 3 hereof, in the
event that (i) there shall occur a Change in Control (as defined in the Plan) and (ii) the
employment of the Recipient shall be terminated within the two year period following the Change in
Control but prior to the Vesting Date either (A) by the Company without Cause or (B) under
circumstances which entitle the Recipient to Change in Control severance benefits under an
effective employment agreement between the Recipient and the Company or the Company’s Safety Net
Security Program, each share of Restricted Stock shall become fully vested and the date of such
vesting shall be deemed to be the Vesting Date hereunder. For purposes of this Section 11, “Cause”
shall have the meaning set forth in the Plan.

12. Failure to Enforce Not a Waiver. The failure of the Company to enforce at any
time any provision of this Restricted Stock Agreement shall in no way be construed to be a waiver
of such provision or of any other provision hereof.

13. Governing Law. This Restricted Stock Agreement shall be governed by and construed
according to the laws of the State of Delaware without regard to its principles of conflict of
laws.

14. Amendments. This Restricted Stock Agreement may be amended or modified at any
time only by an instrument in writing signed by each of the parties hereto, and approved by the
Committee. The Board may terminate or amend the Plan at any time; provided, however, that the
termination or any modification or amendment of the Plan shall not, without the consent of the
Recipient, affect the rights of the Recipient under this Restricted Stock Agreement.

15. Survival of Terms. This Restricted Stock Agreement shall apply to and bind the
Recipient and the Company and their respective permitted assignees and transferees, heirs,
legatees, executors, administrators and legal successors.

16. Agreement Not a Contract for Services; Rights to Terminate Employment. Neither
the grant of the Restricted Stock, this Restricted Stock Agreement nor any other action taken
pursuant to this Restricted Stock Agreement shall constitute or be evidence of any agreement or
understanding, express or implied, that the Recipient has a right to continue to provide services
as an officer, director, employee or consultant of the Company and/or the Employer for any period
of time or at any specific rate of compensation. Nothing in the Plan or in this Restricted Stock
Agreement shall confer upon the Recipient the right to continue in the employment of an Employer or
affect any right which an Employer may have to terminate the employment of the Recipient. The
Recipient specifically acknowledges that the Employer intends to review the Recipient’s performance
from time to time, and that the Company and/or the Employer has the right to terminate the
Recipient’s employment at any time, including a time in close proximity to the Vesting Date, for
any reason, with or without cause. The Recipient acknowledges that upon his or her termination of
employment with an Employer for any reason, then all shares of Restricted Stock not yet vested
shall be immediately forfeited at such time, and the Company shall return to the Recipient an
amount equal to the par value of the Restricted Stock which was paid by the Recipient to the
Company as is set forth in Section 3 of this Restricted Stock Agreement.

17. Decisions of Board or Committee. The Board or the Committee shall have the right
to resolve all questions which may arise in connection with the Restricted Stock. Any
interpretation, determination or other action made or taken by the Board or the Committee regarding
the Restricted Stock, the Plan or this Restricted Stock Agreement shall be final, binding and
conclusive.

18. Failure to Execute Agreement. This Restricted Stock Agreement and the Restricted
Stock granted hereunder is subject to the Recipient returning a counter-signed copy of this
Restricted Stock Agreement to the designated representative of the Company on or before 60 days
after the date of its distribution to the Recipient. In the event that the Recipient fails to so
return a counter-signed copy of this Agreement within such 60-day period, then this Restricted
Stock Agreement and the Restricted Stock granted hereunder shall automatically become null and void
and shall have no further force or effect.

IN WITNESS WHEREOF, the parties hereto have executed and delivered this Restricted Stock
Agreement on the day and year first above written.

Health Net, Inc.

Name: Jay M. Gellert

Title: President and Chief Executive Officer

THE UNDERSIGNED RECIPIENT HEREBY EXPRESSLY ACKNOWLEDGES AND
AGREES THAT HE/SHE IS AN EMPLOYEE AT WILL AND MAY BE
TERMINATED BY THE EMPLOYER AT ANY TIME, WITH OR WITHOUT
CAUSE.

The undersigned hereby accepts and agrees to all the terms
and provisions of the foregoing Restricted Stock Agreement
and to all the terms and provisions of the Health Net, Inc.
[PLAN NAME], as amended to date, incorporated by reference
herein.

Recipient:

     

[NAME]

1

IRREVOCABLE PROXY

I, the undersigned, hereby irrevocably authorize and empower Jay M. Gellert, the President and
Chief Executive Officer of Health Net, Inc. (the “Company”), and B. Curtis Westen, the Senior Vice
President, General Counsel and Secretary of the Company, or each of their successors in the event
either of them is no longer serving the Company in such capacity, (collectively, the “Proxies”) to
represent me with respect to any and all shares of Restricted Stock (as such term is defined in the
Restricted Stock Agreement (the “Restricted Stock Agreement”) by and between the Company and the
undersigned) that are not yet vested, at any and all general meetings of the shareholders of the
Company.

The Proxies are irrevocably authorized and empowered to receive, in my stead, any and all
notices of and invitations to the Company’s general meetings, and to participate in all such
general meetings; and the Proxies are authorized and empowered to vote all such unvested shares in
such manner as the Proxies shall, in their sole discretion, deem to be in the best interests of the
Company.

This proxy shall remain in full force and effect until the shares of Restricted Stock granted
to me pursuant to the Restricted Stock Agreement have vested in accordance with the terms of the
Restricted Stock Agreement, unless otherwise determined by the Company in writing.

NAME:      

DATE:      

SIGNATURE:      

2EX-10.1

AMENDMENT NUMBER TWO

to the

MASTER REPURCHASE AGREEMENT

and

PRICING SIDE LETTER,

each dated as of May 16, 2005

among

DB STRUCTURED PRODUCTS, INC.,

ASPEN FUNDING CORP.,

NEWPORT FUNDING CORP.,

ECC CAPITAL CORPORATION,

ENCORE CREDIT CORP.,

BRAVO CREDIT CORPORATION,

ECC SPV II,

ENCORE SPV II

and

BRAVO SPV II

This AMENDMENT NUMBER TWO TO MASTER REPURCHASE AGREEMENT AND PRICING SIDE LETTER (this
“Amendment”), is made and is effective as of this 28th day of February, 2006 (the
“Amendment Number Two Effective Date”), among DB Structured Products, Inc. (“DBSP”), Aspen Funding
Corp. (“Aspen”), Newport Funding Corp. (“Newport” and collectively with DBSP and Aspen, the
“Buyers”), ECC Capital Corporation (“ECC”), Encore Credit Corp. (“Encore”), Bravo Credit
Corporation (“Bravo” and collectively with ECC and Encore, the “Guarantors”), ECC SPV II (“ECC
SPV”), Encore SPV II (“Encore SPV”) and Bravo SPV II (“Bravo SPV” and collectively with ECC SPV and
Encore SPV, the “Sellers”).

R E C I T A L S

Guarantors, Sellers and Buyers entered into that certain Master Repurchase Agreement dated as
of May 16, 2005 (as amended, supplemented and otherwise modified from time to time, the
“Repurchase Agreement”) and pricing side letter dated as of May 16, 2005 (the “Pricing
Side Letter”).

Guarantors, Buyers and Sellers entered into that certain Amendment Number One to the
Repurchase Agreement and Pricing Side Letter dated August 18, 2005.

Guarantors, Buyers and Sellers each desire to further modify certain terms of the Repurchase
Agreement and Pricing Side Letter as set forth in this Amendment.

Guarantors, Buyers and Sellers each have agreed to execute and deliver this Amendment on the
terms and conditions set forth herein.

NOW, THEREFORE, in consideration of the premises and the mutual covenants contained herein and
in the Repurchase Agreement and Pricing Side Letter, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree to the following (all capitalized terms used, but not
defined, herein shall have the meanings ascribed to such terms in the Repurchase Agreement or
Pricing Side Letter, as applicable):

1. Amendments. Upon the execution of this Amendment by each party hereto and
effective as of the Amendment Number Two Effective Date:

	 	(a)	 	With respect to the Repurchase Agreement:

	 	(i)	 	Section 2 (Definitions and Interpretations) of the Repurchase
Agreement is hereby amended by adding the following new definition immediately
following the definition of “First Lien Loan”:

“Forty Year Mortgage Loan” means a Loan with a forty year
amortization period but which becomes due and payable in full at the end of
the thirtieth year.”

	 	(ii)	 	Section (t) of Exhibit B to the Agreement is hereby amended by
deleting Section (t) in it’s entirety and replacing it with the following:

“(t) Origination; Payment Terms. At the time the Loan was originated,
the originator was a mortgagee approved by the Secretary of Housing and Urban
Development pursuant to Sections 203 and 211 of the National Housing Act or a
savings and loan association, a savings bank, a commercial bank or similar banking
institution which is supervised and examined by a Federal or State authority. No
Loan contains terms or provisions which would result in negative amortization.
Except for Interest Only Loans, principal payments on the Loan commenced no more
than sixty (60) days after funds were disbursed in connection with the Loan. The
Mortgage Interest Rate is adjusted, with respect to adjustable rate Loans, on each
Adjustment Date to equal the applicable Index plus the Gross Margin (rounded up or
down to the nearest 0.125%), subject to the Maximum Mortgage Interest Rate. The
Note is payable on the first day of each month in equal monthly installments of
principal and interest (except for Interest Only Loans during the interest only
period and for Forty Year Mortgage Loans), which, with respect to a fixed rate
Mortgage Loan, are sufficient to fully amortize the original principal balance over
the original term thereof and to pay interest at the related Mortgage Interest Rate,
and which installments of interest, with respect to an Adjustable Rate Mortgage
Loan, are subject to change due to the adjustments to the Mortgage Interest Rate on
each Adjustment Date, with interest calculated and payable in arrears, sufficient to
amortize the Loan fully by the stated maturity date, over an original term of not
more than thirty (30) years (except for Forty Year Mortgage Loans) from commencement
of amortization. The Due Date of the first payment under the Note is no more than
sixty (60) days from the date of the Note.”

	 	(iii)	 	Section (nnn) of Exhibit B to the Agreement is hereby by
deleting Section (nnn) in its entirety and replacing it with the following:

“(nnn) Balloon Loans. Except for certain Second Lien Mortgage
Loans and Forty Year Mortgage Loans originated by Originators, no Loan is a
Balloon Loan.”

(b) With respect to the Pricing Side Letter:

	 	(i)	 	Section (x)(l) of the definition of Eligible Loan shall be
deleted in its entirety and replaced with the following language:

“(l) 40% of the Maximum Aggregate Purchase Price, with respect to the aggregate amount
of Purchased Loans that are Interest-Only Loans and Forty Year Mortgage Loans.”

2. Representations and Warranties. Each of the Sellers and Guarantors hereby
represents and warrants that (a) it has the power and is duly authorized to execute and deliver
this Amendment, (b) this Amendment has been duly authorized, executed and delivered, (c) it is and
will continue to be duly authorized to perform its obligations under the Program Documents, (d) the
execution, delivery and performance by it of this Amendment does not and will not require any
consent or approval, which has not already been obtained, from any Governmental Authority,
equityholder or any other Person, (e) the execution, delivery and performance by it of this
Amendment shall not result in the breach of, or constitute a default under, any material agreement
or instrument to which it is a party and (f) this Amendment and each of the Program Documents
(after giving effect to this Amendment) to which it is a party constitutes its legal, valid and
binding obligations, enforceable against it in accordance with their respective terms, except as
limited by bankruptcy, reorganization, insolvency, fraudulent conveyance, moratorium and other
similar laws (whether statutory, regulatory or decisional) and general equitable principles
affecting creditors’ rights and remedies regardless of whether such enforceability is considered in
a proceeding in equity or at law. The Sellers represent and warrant that no Default or Event of
Default has occurred. Each of the Seller and Guarantor represents and warrants that it is in
compliance with all provisions and terms of the Repurchase Agreement and each other Program
Document to which it is a party and by which it may be bound.

3. Expenses. Sellers shall promptly reimburse Buyers for all out-of-pocket costs and
expenses of Buyers in connection with the preparation, execution and delivery of this Amendment
(including, without limitation, the fees and expenses of counsel for Buyers).

4. Entire Agreement; No Other Changes. This Amendment supersedes and integrates all
previous negotiations, contracts, agreements and understandings between the parties with respect to
the subject matter hereof, and it contains the entire final agreement of the parties. Except as
expressly modified or amended in this Amendment, all of the terms, covenants, provisions,
agreements and conditions of the Repurchase Agreement and the Pricing Side letter are hereby
ratified and confirmed in every respect and shall remain unmodified and unchanged and shall
continue in full force and effect.

5. Severability. If any provision of this Amendment is declared invalid by any court
of competent jurisdiction, such invalidity shall not affect any other provision of this Amendment,
and this Amendment shall be enforced to the fullest extent permitted by law.

6. Counterparts. This Amendment may be executed in any number of counterparts and by
the parties hereto 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.

7. GOVERNING LAW; WAIVER OF JURY TRIAL. THIS AGREEMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH, AND GOVERNED BY, THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE
CONFLICT OF LAWS PRINCIPLES THEREOF (EXCEPT FOR SECTION 5-1401 AND SECTION 5-1402 OF THE NEW YORK
GENERAL OBLIGATIONS LAW). THE PARTIES HERETO EACH HEREBY WAIVE THE RIGHT OF A TRIAL BY JURY IN ANY
LITIGATION ARISING HEREUNDER.

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

1

IN WITNESS WHEREOF, the parties hereto have caused their duly authorized officers to
execute this Amendment Number Two to Master Repurchase Agreement and Pricing Side Letter as of the
date first written above.

ECC SPV II, as Seller

By: ECC Capital Corporation, as Administrator

By: /s/ WilliamE.Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

ENCORE SPV II, as Seller

By: Encore Credit Corp., as Administrator

By: /s/ William E. Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

BRAVO SPV II, as Seller

By: Bravo Credit Corporation, as Administrator

By: /s/ William E. Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

ECC CAPITAL CORPORATION, as Originator and Guarantor

By: /s/ William E. Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

ENCORE CREDIT CORP., as Guarantor and Originator

By: /s/ William E. Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

BRAVO CREDIT CORPORATION, as Guarantor and Originator

By: /s/ William E. Moffatt

Name: William E. Moffatt

Title: Director, Warehouse Lending

DB STRUCTURED PRODUCTS, INC., as Buyer and Agent, as applicable

By: /s/ Frank Byrne

Name: Frank Byrne

Title: Managing Director

By: /s/ Vincent D’Amore

Name: Vincent D’Amore

Title: Authorized Signatory

ASPEN FUNDING CORP., as Buyer and Agent, as applicable

By: /s/ Doris J. Hearn

Name: Doris J. Hearn

Title: Vice President

NEWPORT FUNDING CORP., as Buyer and Agent, as applicable

By: /s/ Doris J. Hearn

Name: Doris J. Hearn

Title: Vice President

2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00098-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00098-of-00352.parquet"}]]