Document:

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                                  EXHIBIT 10.5

                             CONTRIBUTION AGREEMENT

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                             CONTRIBUTION AGREEMENT
                            (HISPANIC EXPRESS, INC.)

            This CONTRIBUTION AGREEMENT ("Agreement") is dated as of September
6, 2000 by and between CENTRAL FINANCIAL ACCEPTANCE CORPORATION, a Delaware
corporation ("CFAC") and HISPANIC EXPRESS, INC., a Delaware corporation
("Hispanic Express").

            WHEREAS, concurrently herewith, CFAC has adopted a Plan of Complete
Dissolution, Liquidation and Distribution (the "Plan of Liquidation") pursuant
to which CFAC will be completely liquidated and dissolved;

            WHEREAS, pursuant to the Plan of Liquidation, CFAC will distribute
for the benefit of its stockholders all of the issued and outstanding shares of
Hispanic Express and Banner Central Finance Company, which are CFAC's
wholly-owned first tier subsidiaries;

            WHEREAS, CFAC owns all of the issued and outstanding capital stock
of (i) BCE Properties, Inc., a California corporation, (ii) Central Consumer
Finance Company, a California corporation; and (iii) Centravel, Inc., a
California corporation (collectively, the "Contributed Subsidiaries" and, with
respect to the shares thereof, the "Contributed Shares"); and

            WHEREAS, CFAC desires to contribute to Hispanic Express the
Contributed Shares, and Hispanic Express desires to assume the obligations and
liabilities of CFAC and indemnify CFAC and its stockholders, all upon the terms
and conditions set forth in this Agreement.

            NOW, THEREFORE, in consideration of the premises and the mutual
covenants and conditions herein contained, the parties agree as follows:

1.      Contribution by CFAC to Hispanic Express. CFAC hereby contributes,
        conveys, assigns and delivers the Contributed Shares to Hispanic Express
        in accordance with Section 351 of the Internal Revenue Code of 1986, as
        amended, and Hispanic Express hereby accepts the Contributed Shares from
        CFAC.

2.      Contribution of Additional Assets by CFAC to Hispanic Express. Prior to
        or upon the dissolution and liquidation of CFAC under the Plan of
        Liquidation, CFAC shall have the right to contribute, convey, assign and
        deliver to Hispanic Express, and Hispanic Express shall accept from
        CFAC, such additional CFAC assets as CFAC may choose at CFAC's sole and
        exclusive discretion.

3.      Assumption of Obligations and Liabilities. Hispanic Express hereby
        assumes all obligations and liabilities of CFAC, whether past, present
        or future, known or unknown, contingent or otherwise, and of any kind or
        character.

4.      Indemnification. Hispanic Express shall indemnify and hold harmless CFAC
        against and in respect of any damages, claims, demands, debts,
        obligations, losses, liabilities, costs and expenses (collectively,
        "Damages") incurred or suffered by CFAC that arise out of,

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        relate to or are connected with any breach of any provision of this
        Agreement By Hispanic Express.

        (a)    Hispanic Express shall indemnify and hold harmless each person or
               entity that is a stockholder of CFAC on the date that CFAC
               dissolves and liquidates under the Plan of Liquidation against
               and in respect of any Damages incurred or suffered by such person
               or entity (i) that arise out of, relate to or are connected with
               any breach of any provision of this Agreement By Hispanic Express
               or (ii) because such person or entity, by virtue of being a
               stockholder of CFAC on the date that CFAC dissolves and
               liquidates under the Plan of Liquidation, is or becomes liable
               for any Damages that would have otherwise been incurred or
               suffered by CFAC if CFAC did not dissolve and liquidate under the
               Plan of Liquidation.

5.      Representations and Warranties of CFAC. CFAC represents and warrants to
        Hispanic Express as follows:

        (a)    Title to Contributed Shares. The Contributed Shares have been
               duly authorized and validly issued, are fully paid and
               non-assessable and are owned of record, beneficially and directly
               by CFAC, free and clear of any security interests, liens,
               encumbrances, equities or claims, except for those that may exist
               under the terms and conditions of that certain Pledge Agreement
               dated August 11, 2000 between CFAC and Union Bank of California,
               N.A. Upon delivery of the stock certificates representing the
               Contributed Shares to Hispanic Express, valid and marketable
               title to the Contributed Shares will pass free and clear of any
               security interests, liens, encumbrances, equities or claims,
               except as described in the immediately preceding sentence.

        (b)    Good Standing. Each of the Contributed Subsidiaries is a
               corporation duly organized, validly existing and in good standing
               under its jurisdiction of incorporation, has full power and
               authority to own, lease and operate its properties and assets and
               to conduct its business as now being conducted, and is duly
               qualified or licensed to do business as a foreign corporation,
               and is in good standing, in all jurisdictions where the character
               of the properties it owns, leases or operates, or the conduct of
               its business, requires such qualification or licensing.

        (c)    Permits. CFAC and each of the Contributed Subsidiaries holds all
               permits, licenses and franchises necessary for or material to the
               current use, occupancy or operation of their respective
               businesses; and no notice of violation of any applicable permit,
               license or franchise or other similar law binding on CFAC or any
               of the Contributed Subsidiaries with respect to their respective
               businesses has been received.

        (d)    Governmental Authorizations. No governmental authorization,
               approval, order, license, permit, franchise, or consent and no
               registration, declaration or filing by CFAC or any of the
               Contributed Subsidiaries with any governmental authority is
               required in connection with the execution and delivery of this
               Agreement and the consummation of the transactions contemplated
               hereby.

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        (e)    Due Authorization. CFAC has full legal right, power and
               authority, and all approvals required by law, to enter into this
               Agreement, to sell, assign, transfer and deliver the Contributed
               Shares in the manner provided in this Agreement and to perform
               all of its obligations hereunder. The execution, delivery and
               performance of this Agreement and the consummation of the
               transactions contemplated hereby have been duly authorized by all
               necessary corporate action. This Agreement constitutes the legal,
               valid and binding obligation of CFAC, enforceable in accordance
               with its terms.

6.      Deliveries of CFAC. Concurrently with the execution of this Agreement,
        CFAC is delivering to Hispanic Express the stock certificates
        representing the Contributed Shares, duly endorsed in blank or
        accompanied by proper instruments of transfer duly signed by CFAC and
        accompanied by necessary transfer tax stamps or funds therefor.

7.      Further Assurances. CFAC agrees at any time and from time to time, upon
        the request of Hispanic Express, to do, execute, acknowledge and
        deliver, or to cause to be done, executed, acknowledged and delivered,
        all such further acts, assignments, transfers, powers of attorney and
        assurances as may be required for the better assigning, transferring,
        conveying, and confirming to Hispanic Express, or to its successors and
        assigns, of any or all of the Contributed Shares and to carry out the
        terms and conditions of this Agreement.

8.      Survival of Representations and Warranties. The representations and
        warranties contained herein shall survive the execution and delivery of
        this Agreement and the consummation of the transactions contemplated
        hereby and remain in full force and effect, notwithstanding any
        investigation at any time made by or on behalf of the parties.

9.      Successors and Assigns. This Agreement shall be binding upon and shall
        inure to the benefit of the parties and their respective successors and
        permitted assigns. This Agreement may not be assigned or delegated by
        any party without the consent of the other parties.

10.     Notices. All notices, requests, demands and other communications
        provided for by this Agreement shall be in writing (including telecopier
        or similar writing) and shall be deemed to have been given at the time
        when mailed in any general or branch office of the United States Postal
        Service, enclosed in a registered or certified postpaid envelope, or
        sent by Federal Express or other similar overnight courier service,
        addressed to 5480 East Ferguson Drive, Commerce, California 90022 or to
        such changed address as such party may have fixed by notice or, if given
        by telecopier, when such telecopy is transmitted and the appropriate
        answer back is received.

11.     Governing Law. This Agreement shall be governed by the laws of the State
        of California without giving effect to the principles of conflicts of
        law.

12.     Entire Agreement. This Agreement sets forth the entire agreement among
        the parties with respect to its subject matter. This Agreement may not
        be amended or otherwise modified except in writing duly executed by all
        of the parties. No waiver of any

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        provision or breach of this Agreement shall be effective unless such
        waiver is in writing and signed by the party against which enforcement
        of such waiver is sought. A waiver by any party of any breach or
        violation of this Agreement shall not be deemed or construed as a waiver
        of any subsequent breach or violation thereof.

13.     Severability. Should any part, term or condition hereof be declared
        illegal or unenforceable or in conflict with any other law, the validity
        of the remaining portions or provisions of this Agreement shall not be
        affected thereby, and the illegal or unenforceable portions of the
        Agreement shall be and hereby are redrafted to conform with applicable
        law, while leaving the remaining portions of this Agreement intact.

14.     Counterparts. This Agreement may be executed in counterparts, each of
        which shall be deemed an original, but all of which together shall
        constitute one and the same document.

15.     Headings. Section headings are for convenience only and do not control
        or affect the meaning or interpretation of any terms or provisions of
        this Agreement.

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            IN WITNESS WHEREOF the parties have executed this Agreement as of
the date first set forth above.

                                        CENTRAL FINANCIAL ACCEPTANCE CORPORATION

                                        By: /s/ Gary M. Cypres
                                            ------------------------------------
                                            Chief Executive Officer

                                        HISPANIC EXPRESS, INC.

                                        By: /s/ Gary M. Cypre s
                                            ------------------------------------
                                            Chief Executive Officer, President
                                            and Secretary<PAGE>   1

                                  EXHIBIT 10.6

                               OPERATING AGREEMENT

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                               OPERATING AGREEMENT

        This OPERATING AGREEMENT (the "Agreement") is dated as of September 6,
2000, by and between HISPANIC EXPRESS, INC., a Delaware corporation ("HEX") and
BANNER CENTRAL FINANCE COMPANY, a Delaware corporation ("Banner"), with respect
to the following facts:

        WHEREAS, Central Financial Acceptance Corporation, a Delaware
corporation ("CFAC") has adopted a Plan of Complete Dissolution, Liquidation and
Distribution (the "Plan of Liquidation") pursuant to which CFAC will completely
liquidate and dissolve;

        WHEREAS, prior to dissolving and liquidating under the Plan of
Liquidation, CFAC will contribute to HEX and Banner, which are CFAC's
wholly-owned first tier subsidiaries, the capital stock of certain of CFAC's
subsidiaries (the "Contribution"); and

        WHEREAS, in order to provide cost savings and operating efficiencies,
the parties desire that HEX and its subsidiaries (the "HEX Group") perform
various administrative functions for Banner and its subsidiaries (the "Banner
Group") and that the HEX Group perform "Credit Servicing" functions (as
hereinafter defined) with respect to the receivables portfolio of the Banner
Group, in each case upon the terms and conditions set forth herein; and

        WHEREAS, the members of the Banner Group have heretofore been accorded
full access to HEX's computer systems and related facilities for the purpose of
performing the data processing, information management and record maintenance
functions required in the conduct of the Banner Group's business ("Systems
Rights"); and

        WHEREAS, CFAC and its affiliates has heretofore accorded to the members
of the Banner Group access to the various parcels of real property where the
members of the Banner Group conduct business (each a "Location" and collectively
the "Locations") and the right to occupy designated spaces within each such
Location (individually and collectively, the "Premises") for the conduct of the
Banner Group's business of originating and administering consumer loans (such
rights, collectively, the "Access Rights"); and

        WHEREAS, the parties desire to establish the contractual basis upon
which the HEX Group will continue to accord the Systems Rights and the Access
Rights to the Banner Group in order, among other things, to enhance the Banner
Group's ability to obtain independent financing and to facilitate any future
business transactions; and

        NOW, THEREFORE, in consideration of the premises and the mutual
covenants and conditions herein contained, the parties agree as follows:

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        1. Services to be Performed, Rights to be Accorded and Allocation of
Costs and Benefits.

            (a) Services and Rights.

                (1) Portfolio Servicing. The HEX Group shall provide Credit
Servicing (as defined in Subsection (b) below) with respect to the Banner
Group's receivables portfolio.

                (2) Management Information Systems. The HEX Group shall provide
the Banner Group with information processing, data retrieval and other
management information systems services. If the Banner Group elects to
discontinue receiving such services from the HEX Group, the Banner Group shall
return all information pertaining to the business and operations of the HEX
Group and shall use its best efforts in the transition of all data processing
functions in a manner that does not unduly disrupt the business or operation of
the HEX Group.

                (3) Employee Benefit Plans. The HEX Group shall administer all
health plans and any other benefits offered for the benefit of the employees of
the Banner Group.

                (4) Legal & Accounting. The HEX Group shall provide to the
Banner Group all legal assistance provided in the ordinary course of business as
requested by the Banner Group. To the extent requested by the Banner Group, the
HEX Group shall provide accounting services to the Banner Group in connection
with the preparation of quarterly, annual and other financial statements.

                (5) Insurance. The HEX Group shall include every member of the
Banner Group under any insurance policy maintained by the HEX Group. The HEX
Group shall cause each member of the Banner Group to be named as an additional
insured under any such policies. The HEX Group shall deliver to Banner any
insurance proceeds received by it or one of the other members of the HEX Group
if such proceeds relate to any claim relating to the business of the Banner
Group. The HEX Group shall make appropriate cost allocations to the Banner Group
for any policy, which provides joint coverage to the HEX Group, or any other
member of the HEX Group, and to the Banner Group. Such allocation shall be
reasonable and shall in no case exceed the amount which the Banner Group would
be required to pay in order to separately obtain such insurance.

                (6) Systems Rights. The HEX Group shall continue to provide
Systems Rights to the Banner Group in accordance with past practices and shall,
in any event, provide access to computer and data processing systems from each
of the Premises. The computer and related systems provided to the Banner Group
shall be those utilized by the HEX Group from time to time. All data of the
Banner Group maintained by the HEX Group shall be handled in the same manner as
data of the HEX Group, including backup procedures and transfer of such data to
any new systems. The HEX Group shall be entitled to implement, and the Banner
Group shall be entitled to require, such measures as it may deem reasonably
necessary to segregate and insulate data of the HEX Group from data of the
Banner Group.

                (7) Access Rights. The HEX Group shall continue to provide
Access Rights to the Banner Group in accordance with past practices. Without
limiting the foregoing,

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the HEX Group shall provide such Access Rights to the Banner Group at each new
Location that the HEX Group may hereafter acquire from time to time. The Banner
Group shall have access to each of the Premises at all times when the HEX Group
has access to the applicable Location.

                (8) Other Services. To the extent requested by Banner and
approved by the members of its board of directors, the HEX Group may provide the
Banner Group with such other administrative services as may be deemed necessary
or appropriate.

            (b) Payment of Costs. The Banner Group shall be responsible for the
actual cost of any goods or services provided for their account by the HEX
Group. In respect of the "Credit Servicing" performed by HEX on behalf of the
Banner Group, the Banner Group shall be responsible for its "Allocable Share"
(as hereinafter defined) of the aggregate "Credit Servicing Expenses" (as
hereinafter defined) incurred by HEX. "Credit Servicing" shall mean the
origination of loans (including applications and credit verifications), credit
collection and application of cash receipts. "Credit Servicing Expenses" shall
mean the gross expenses incurred in the performance of Credit Servicing
activities; provided there shall be attributed to HEX's Credit Servicing
Expenses 100% of the amount charged by the Banner Group to the HEX Group in
respect of the services provided pursuant to subsection (a)(1) above. Banner's
"Allocable Share" of Credit Servicing Expenses, for any period, shall mean the
product obtained by multiplying HEX's aggregate Credit Servicing Expenses for
such period by a fraction, the numerator of which shall be the aggregate amount
of receivables of the Banner Group for such period and the denominator of which
shall be the sum of the aggregate receivables of the HEX Group for such period
plus the aggregate receivables of the Banner Group for such period. Banner shall
pay its Allocable Share on a quarterly basis, in arrears, based upon the
estimated Allocable Share for such quarter. Within 45 days after the end of each
calendar quarter, HEX shall prepare and deliver to Banner a calculation setting
forth in reasonable detail Banner's actual Allocable Share for such quarter.
Except as provided above, the allocable share of such costs for each member of
the Banner Group shall be determined on the basis of its percentage utilization
of the applicable service or management's best estimate thereof.

            (c) Responsibilities Attendant to Rights.

                (1) The Banner Group shall use the Systems Rights and the Access
Rights solely in the conduct of its business in the ordinary course, in
compliance with applicable laws and consistent with past practice.

                (2) The Banner Group shall be responsible for any damage that it
may inflict upon the computer systems or the Locations, including any damage
that may be inflicted upon a Location in connection with the removal of the
Banner Group's property therefrom upon the termination of the Banner Group's
occupation of the Premises at such Location.

                (3) The maintenance of each Location (including any structural
elements thereof associated with the applicable Premises) shall be the
responsibility of the HEX Group.

                (4) The Banner Group shall indemnify, defend and hold harmless
the HEX Group and their respective employees, agents, officers and directors and
successors and

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assigns from and against any and all claims, demands, suits, actions,
proceedings, penalties, fines, liabilities, encumbrances, liens, losses,
settlements, damages, judgments, costs and expenses (including, without
limitation, attorneys' fees) arising out of or relating to any acts or omissions
of the Banner Group and their respective officers, directors, employees,
representatives, agents or invitees, occurring in, on or about any of the
Premises.

                (5) The HEX Group shall indemnify, defend and hold harmless the
Banner Group and their respective employees, agents, officers and directors and
successors and assigns from and against any and all claims, demands, suits,
actions, proceedings, penalties, fines, liabilities, encumbrances, liens,
losses, settlements, damages, judgments, costs and expenses (including, without
limitation, attorneys' fees) arising out of or relating to any acts or omissions
of the HEX Group and their respective officers, directors, employees,
representatives, agents or invitees, occurring in, on or about any of the
Locations (except to the extent that the Banner Group is liable therefor
pursuant to the foregoing paragraph (4).

                (6) Neither the HEX Group or the Banner Group shall be liable to
the other for any losses, damages, claims or costs arising from the services or
rights provided hereunder, except (x) as may be provided in paragraphs (4) or
(5) above and (y) for losses, damages, claims or costs arising from the gross
negligence or willful misconduct of the party providing such services or rights.

        2. Allocation of Business Opportunities. HEX and Banner shall not,
without prior written consent of each other, directly or indirectly engage in or
enter any business, which the other is currently engaged in.

        3. Employee Benefits. HEX hereby agrees to assume all customary and
reasonable liabilities of CFAC (and the subsidiaries thereof that become
subsidiaries of HEX or Banner under the Contribution), under existing employee
welfare benefit and profit sharing plans with respect to the employees of CFAC
and such subsidiaries who become employees of the Hex Group and/or the Banner
Group in connection with the Contribution. The employment by the Hex Group or
the Banner Group of individuals who were employees of CFAC or such subsidiaries
will not be deemed a severance of employment from CFAC or such subsidiaries for
purposes of any policy, plan, program or agreement of CFAC or such subsidiaries
that provides for the payment of severance, salary continuation or similar
benefits. HEX hereby agrees to assume all liabilities and responsibilities for
CFAC's Supplemental Executive Retirement Plan.

        4. Guaranty of Banner Debt. HEX hereby agrees that for the period
commencing as of the date first set forth above and ending on December 31, 2002,
it shall guarantee up to $4 million of Banner's bank or equivalent debt that
Banner may require in connection with the acquisition of consumer receivables
purchased from Banner's Central Electric, Inc., an affiliated company.

        5. Term and Termination. This Agreement shall have a five (5) year term,
and this Agreement or any specific service provided herein may be terminated by
any party hereto upon one year's prior written notice to the other party.

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        6. Independent Parties. The parties are independent parties engaged in
the operation of their respective businesses. No party has the authority to
enter into contracts or assume any obligations for any other party or is to be
considered as the agent or employee of any other party for any purpose
whatsoever. Nothing in this Agreement shall be construed to establish a
relationship of partners or joint venturers among the parties.

        7. Successors and Assigns; Third Parties. This Agreement shall be
binding upon and shall inure to the benefit of the parties and their respective
successors and permitted assigns. This Agreement may not be assigned or
delegated by any party without the consent of the other parties; provided that
Banner shall have the right to assign this Agreement for collateral purposes to
any bona fide financial institutions in connection with obtaining financing. Any
such financial institutions and the respective subsidiaries of Banner shall be
express third party beneficiaries of this Agreement; provided that no other
person shall have any rights or benefits under, or by virtue of, this Agreement.

        8. Notices. All notices, requests, demands and other communications
provided for by this Agreement shall be in writing (including telecopier or
similar writing) and shall be deemed to have been given at the time when mailed
in any general or branch office of the United States Postal Service, enclosed in
a registered or certified postpaid envelope, or sent by Federal Express or other
similar overnight courier service, addressed to the appropriate party at 5480
East Ferguson Drive, Commerce, California 90022, Attention: Secretary, or to
such changed address as such party may have fixed by notice or, if given by
telecopier, when such telecopy is transmitted and the appropriate answer-back is
received.

        9. Governing Law. This Agreement shall be governed by the laws of the
State of California without giving effect to the principles of conflicts of law.

        10. Entire Agreement. This Agreement sets forth the entire agreement
among the parties with respect to its subject matter. This Agreement may not be
amended or otherwise modified except in writing duly executed by all of the
parties. No waiver of any provision or breach of this Agreement shall be
effective unless such waiver is in writing and signed by the party against which
enforcement of such waiver is sought. A waiver by any party of any breach or
violation of this Agreement shall not be deemed or construed as a waiver of any
subsequent breach or violation thereof.

        11. Severability. Should any part, term or condition hereof be declared
illegal or unenforceable or in conflict with any other law, the validity of the
remaining portions or provisions of this Agreement shall not be affected
thereby, and the illegal or unenforceable portions of the Agreement shall be and
hereby are redrafted to conform with applicable law, while leaving the remaining
portions of this Agreement intact.

        12. Counterparts. This Agreement may be executed in counterparts, each
of which shall be deemed an original, but all of which together shall constitute
one and the same document.

        13. Headings. Section headings are for convenience only and do not
control or affect the meaning or interpretation of any terms or provisions of
this Agreement.

<PAGE>   7

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

        IN WITNESS WHEREOF, the parties hereto have hereunder set their hands
        and seals the day and year first above written.

                                  HISPANIC EXPRESS, INC.

                                  By: /s/ Gary M. Cypres
                                      ------------------------------------------
                                      Gary M. Cypres,
                                      Chief Executive Officer, President and
                                      Secretary

                                  BANNER CENTRAL FINANCE COMPANY

                                  By: /s/ Gary M. Cypres
                                      ------------------------------------------
                                      Gary M. Cypres, Chief Executive Officer,
                                      Chief Financial Officer and Secretary

Central Financial Acceptance Corporation hereby acknowledges that it has read
and understands the foregoing Agreement, and approves each of the provisions
thereof as such provisions may relate to Central Financial Acceptance
Corporation.

                                  CENTRAL FINANCIAL ACCEPTANCE CORPORATION

                                  By: /s/ Gary M. Cypres
                                      ------------------------------------------
                                      Gary M. Cypres, Chief Executive Officer

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