Document:

12312001 Form 10-K Exhbit 10.156

                                            Exhibit 10.156

AMENDMENT NUMBER FIVE

to the

MASTER LOAN AND SECURITY AGREEMENT

This AMENDMENT NUMBER FIVE (this "Amendment") is made this 1st day of
January, 2002, between E-LOAN, INC. ("Borrower") and GREENWICH CAPITAL
FINANCIAL PRODUCTS, INC. ("Lender") to the MASTER LOAN AND SECURITY
AGREEMENT, dated as of May 10, 1999 between Lender and Borrower, as
otherwise amended (the "Loan Agreement").

RECITALS

WHEREAS, Borrower has requested that lender agree to amend the Loan
Agreement to increase the maximum amount of advances that may be made on an
uncommitted basis (i.e., in the sole and absolute discretion of the Lender), and
the Lender has agreed to make such amendments, subject to the terms and
conditions of this Amendment.

NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and of the mutual covenants herein
contained, the parties hereto hereby agree ac follows:

SECTION 1.  (a) Increase of Maximum Uncommitted Amount.  Effective as
of January 1, 2002, the defined term "Maximum Uncommitted Amount" is
deleted in its entirety and replaced with the following:
"Maximum Uncommitted Amount shall mean $200 Million."

(b)Applicable Collateral Percentage.  Effective as of
January 1, 2002, the defined term "Applicable Collateral Percentage" is
hereby amended by adding the following to the end thereof:
"; provided, however, if at any time the aggregate outstanding principal
amount of Advances exceeds $200 million, the "98%" contained in clauses (a)(1)
and (b)(1) shall automatically be changed to 95% with respect to any and all
Mortgage Loans Pledged to the Lender in connection with the Advents that results
in the aggregate outstanding principal amount of Advances exceeding $200 million
and each pledge of Mortgage Loans made during the period of time in which the
aggregate outstanding principal amount of Advances exceeds $200 million (and
such change shall remain effective with inspect to the relevant Mortgage Loans
even after the aggregate outstanding principal amount of Advances is $200
million or less)."

(c)Applicable Margin.  Effective as of January 1, 2002, the
defined term "Applicable Margin" is hereby amended by adding the following to
the end thereof:
"; provided, however, if at any time the aggregate outstanding principal
amount of Advances exceeds $200 million, the per annum rate for Tranche A
Advances shall de automatically increased from 0.75% to 1.50%x" and the per
annum rats for Tranche B Advances shall be automatically increased from 1.25% to
2.00%, with respect to the Advance that results in the aggregate outstanding
principal amount of Advances exceeding $200 million and each subsequent Advance
made during the period of time in which the aggregate outstanding principal
amount of Advances exceeds $200 million (and such increase shall remain
effective with respect to the relevant Mortgage Loans even after the aggregate
outstanding principal amount of Advances is $200 million or less)."

SECTION 2.  Fees and Expenses.  Borrower agrees to pay to Lender
all fees and out of pocket expenses incurred by Lender is connection with this
Amendment (including all reasonable fees and out of pocket costs and expenses of
the Lender's legal counsel incurred in connection with this Amendment), in
accordance with Section 11.03 of the Loan Agreement.

SECTION 3.  Defined Terms. Any terms capitalized but not
otherwise defined herein shall have the respective meanings set forth in the
Loan Agreement.

SECTION 4.  Representations. In order to induce the Lender to
execute and deliver this Amendment, the Borrower hereby represents to the Lender
that as of the date hereof, after giving effect to this Amendment, the Borrower
is in fall compliance with all of the terms and conditions of the Loan
Agreement.

SECTION 5.  Limited Effect.  Except as expressly amended and modified
by this Amendment, the Loan Agreement shall continue in full force and affect
ion accordance with its terms . Reference to this Amendment need not be made in
the Loan Agreement or any other instrument or document executed in connection
therewith, or in any certificate, letter or communication issued or made
pursuant to, or with respect to, the loan Agreement, any reference in any of
such items to the Loan Agreement being sufficient to refer to the Loan Agreement
as amended hereby.

SECTION 6.  GOVERNING LAW.  THIS AMENDMENT STALL BE CONSTRUED 1N
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS,
AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH
SUCH LAWS WITHOUT REGARD TO CONFLICT OF LAWS DOCTRINE APPLIED IN SUCH STATE.

SECTION 7.  Counterparts.  This Amendment may be executed by each of
the parties hereto on any number of separate counterparts, each of which shall
be an original and all of which taken together shall constitute one and the same
instrument.

[SIGNATURE PAGE FOLLOWS]

 

IN WITNESS WHEREOF, each of the Borrower and the Lender have caused this
Amendment to he executed and delivered by its duly authorized officer as of the
day and year first above written.
E-LOAN, INC.,

Borrower
By:

Name:  

Title:  

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,

Lender
By:

Name:  

Title:12312001 Form 10-K Exhbit 10.157

                                            Exhibit 10.157

AMENDMENT NUMBER SIX

to the

Master Loan and Security Agreement

Dated as of May 10, 1999

by and between

E-LOAN, INC.

and

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

This AMENDMENT NUMBER SIX is made this 1st day of February, 2002, by and
between E-LOAN, INC., having an address at 5875 Arnold Road, Dublin, California
94568 (the "Borrower") and GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,
having an address at 600 Steamboat Road, Greenwich, Connecticut 06830 (the
"Lender"), to the Master Loan and Security Agreement, dated as of
May 10, 1999, by and between the Borrower and the Lender, as amended (the
"Agreement").  Capitalized terms used but not otherwise defined herein
shall have the meanings assigned to such terms in the Agreement.

RECITALS

WHEREAS, the Borrower has requested that the Lender agree to amend the
Agreement to extend the Termination Date thereunder for an additional period of
thirty days;

WHEREAS, in order to induce Lender to enter into this Amendment Number Six,
the Borrower has agreed to pay the Lender a commitment fee equal to $41,666.67;
and

WHEREAS, the Borrower and the Lender have agreed to amend the Agreement as
set forth herein.

NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and for the mutual covenants
herein contained, the parties hereto hereby agree as follows:

SECTION 1.  Effective as of February 1, 2002, Section 1 of the
Agreement is hereby amended by deleting the definition of Termination Date and
replacing it with the following:
"Termination Date" shall mean March 21, 2002, or such earlier
date on which this Loan Agreement shall terminate in accordance with the
provisions hereof or by operation of law, as same may be extended pursuant to
Section 2.09.

SECTION 2.  Commitment Fee.  In order to induce the Lender to enter
into this Amendment Number Six with the Borrower, the Borrower hereby agrees to
pay to the Lender a commitment fee equal to $41,666.67 to be paid to the Lender
upon execution of this Amendment Number Six.  Such commitment fee shall be paid
in dollars, in immediately available funds, in accordance with the Lender's
instructions.  This Amendment Number Six shall be effective upon Lender's
receipt of such commitment fee.

SECTION 3.  Defined Terms.  Any terms capitalized but not otherwise
defined herein should have the respective meanings set forth in the
Agreement.

SECTION 4.  Limited Effect.  Except as amended hereby, the Agreement
shall continue in full force and effect in accordance with its terms.  Reference
to this Amendment need not be made in the Agreement or any other instrument or
document executed in connection therewith, or in any certificate, letter or
communication issued or made pursuant to, or with respect to, the Agreement, any
reference in any of such items to the Agreement being sufficient to refer to the
Agreement as amended hereby.

SECTION 5.  Representations.  In order to induce the Lender to execute
and deliver this Amendment Number Six, the Borrower hereby represents to the
Lender that as of the date hereof, the Borrower is in full compliance with all
of the terms and conditions of the Agreement and no Default or Event of Default
has occurred and is continuing under the Agreement.

SECTION 6.  Governing Law.  This Amendment Number Six shall be
construed in accordance with the laws of the State of New York and the
obligations, rights, and remedies of the parties hereunder shall be determined
in accordance with such laws without regard to conflict of laws doctrine applied
in such state (other than Section 5-1401 of the New York General
Obligations Law).

SECTION 7.  Counterparts.  This Amendment Number Six may be executed
by each of the parties hereto on any number of separate counterparts, each of
which shall be an original and all of which taken together shall constitute one
and the same instrument.

[REMAINDER OF THIS PAGE LEFT INTENTIONALLY BLANK]

 

1N WITNESS WHEREOF, the Borrower and the Lender have caused this Amendment
Number Six to be executed and delivered by their duly authorized officers as of
the day and year first above written.
E-LOAN, INC.

(Borrower)
By:

Name:  

Title:  

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

(Lender)
By:

Name:  Anthony Palmisano

Title:  Vice President12312001 Form 10-K Exhbit 10.158

                                            Exhibit 10.158

PROMISSORY NOTE

$300,000,000

March 21, 2002

New York, New York

FOR VALUE RECEIVED, &LOAN, INC., a Delaware corporation (the
"Borrower"), hereby promises to pay to the order of GREENWICH CAPITAL
FINANCIAL PRODUCTS, INC. (the "Lender"), at the principal office of the
Lender at 600 Steamboat Road, Greenwich, Connecticut 06830, in lawful money of
the United States, and in immediately available funds, the principal sum of
THREE HUNDRED MILLION DOLLARS ($300,000,000) (or such lesser amount as shall
equal the aggregate unpaid principal amount of the Advances made by the Lender
to the Borrower under the Loan Agreement), on the dates and in the principal
amounts provided in the

Loan Agreement, and to pay interest on the unpaid principal amount of each
such Advance, at such office, in like money and funds, for the period commencing
on the date of such Advance until such Advance shall be paid in full, at the
rates per annum and on the dates provided in the Loan Agreement.

The date, amount and interest rate of each Advance made by the Lender to the
Borrower, and each payment made on account of the principal thereof, shall be
recorded by the Lender on its books and, prior to any transfer of this Note,
endorsed by the Lender on the schedule attached hereto or any continuation
thereof; provided, that the failure of the Lender to make any such
recordation or endorsement shall not affect the obligations of the Borrower to
make a payment when due of any amount owing under the Loan Agreement or
hereunder in respect of the Advances made by the Lender.

This Note is the Note referred to in the Master Loan and Security Agreement
dated as of March 21, 2002 (as amended, supplemented or otherwise modified
and in effect from time to time, the "Loan Agreement") between the
Borrower, and the Lender, and evidences Advances made by the Lender thereunder.
Terms used but not defined in this Note have the respective meanings assigned to
them in the Loan Agreement.

The Borrower agrees to pay all the Lender's costs of collection and
enforcement (including reasonable attorneys' fees and disbursements of Lender's
counsel) in respect of this Note when incurred, including, without limitation,
reasonable attorneys' fees through appellate proceedings.

Notwithstanding the pledge of the Collateral, the Borrower hereby
acknowledges, admits and agrees that the Borrower's obligations under this Note
are recourse obligations of the Borrower to which the Borrower pledges its full
faith and credit.

The Borrower, and any indorsers or guarantors hereof, (a) severally
waive diligence, presentment, protest and demand and also notice of protest,
demand, dishonor and nonpayments of this Note, (b) expressly agree that
this Note, or any payment hereunder, may be extended from time to time, and
consent to the acceptance of further Collateral, the release of any Collateral
for this Note, the release of any party primarily or secondarily liable hereon,
and (c) expressly agree that it will not be necessary for the Lender, in
order to enforce payment of this Note, to first institute or exhaust the
Lender's remedies against the Borrower or any other party liable hereon or
against any Collateral for this Note.  No extension of time for the payment of
this Note, or any installment hereof, made by agreement by the Lender with any
person now or hereafter liable for the payment of this Note, shall affect the
liability under this Note of the Borrower, even if the Borrower is not a party
to such agreement; provided, however, that the Lender and the
Borrower, by written agreement between them, may affect the liability of the
Borrower.

Any reference herein to the Lender shall be deemed to include and apply to
every subsequent holder of this Note.  Reference is made to the Loan Agreement
for provisions concerning optional and mandatory prepayments, Collateral,
acceleration and other material terms affecting this Note.

Any enforcement action relating to this Note may be brought by motion for
summary judgment in lieu of a complaint pursuant to Section 3213 of the New York
Civil Practice Law and Rules.  The Borrower hereby submits to New York
jurisdiction with respect to any action brought with respect to this Note and
waives any right with respect to the doctrine of forum non conveniens with
respect to such transactions.

This Note shall be governed by and construed under the laws of the State
of New York (without reference to choice of law doctrine but with reference to
Section 5-1401 of the New York General Obligations Law, which by its terms
applies to this Note) whose laws the Borrower expressly elects to apply to this
Note.  The Borrower agrees that any action or proceeding brought to enforce or
arising out of this Note may be commenced in the Supreme Court of the State of
New York, Borough of Manhattan, or in the District Court of the United States
for the Southern District of New York.
E-LOAN, INC.
By:

Name:  

Title:

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