Document:

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                                                                    EXHIBIT 10.7

                          REGISTRATION RIGHTS AGREEMENT

            THIS REGISTRATION RIGHTS AGREEMENT (this "Agreement") is made as of
April 29, 2005, by and among (i) Triad Holdings Inc., a Delaware corporation
(the "Company"), (ii) GS Capital Partners 2000, L.P., a Delaware limited
partnership, GS Capital Partners 2000 Employee Fund, L.P., a Delaware limited
partnership, GS Capital Partners 2000 Offshore, L.P., a Cayman Islands exempted
limited partnership, Goldman Sachs Direct Investment Fund 2000, L.P., a Delaware
limited partnership, GS Capital Partners 2000 GmbH & Co. Beteilgungs KG, a
German limited partnership, and MTGLQ Investors, L.P., a Delaware limited
partnership (collectively, "Goldman"), (iii) GTCR Fund VIII, L.P., a Delaware
limited partnership, GTCR Fund VIII/B, L.P., a Delaware limited partnership,
GTCR Co-Invest II, L.P., a Delaware limited partnership, and any investment fund
managed by GTCR Golder Rauner, L.L.C., a Delaware limited liability company, or
GTCR Golder Rauner II, L.L.C., a Delaware limited liability company, that at any
time acquires securities of the LLC or the Company and executes a counterpart of
this Agreement or otherwise agrees to be bound by this Agreement (each, a "GTCR
Investor" and collectively, the "GTCR Investors"), (iv) Hunter's Glen/Ford Ltd.,
a Texas limited partnership ("HGF" and, together with the other purchasers
pursuant to the Management Agreement (as defined below), the "HGF Investors"),
and (v) James M. Landy and any other executive employee of the Company or its
Subsidiaries who, at any time, acquires securities of the Company in accordance
with Section 8 hereof and executes a counterpart of this Agreement or otherwise
agrees to be bound by this Agreement (each, an "Executive" and collectively, the
"Executives"), and (vi) each of the other entities and individuals set forth
from time to time on the attached "Schedule of Holders" under the heading "Other
Stockholders" who, at any time, acquires securities of the Company in accordance
with Section 8 hereof and executes a counterpart of this Agreement or otherwise
agrees to be bound by this Agreement (the "Other Stockholders"). Goldman, the
GTCR Investors and the HGF Investors are collectively referred to herein as the
"Investors." The Investors, the Executives and the Other Stockholders are
collectively referred to herein as the "Stockholders." Unless otherwise provided
in this Agreement, capitalized terms used herein shall have the meanings set
forth in Section 9 hereof.

            WHEREAS, the Company is a Subsidiary of Triad Holdings, LLC, a
Delaware limited liability company (the "LLC").

            WHEREAS, the LLC and the Investors are parties to a Unit Purchase
Agreement of even date herewith (the "Unit Purchase Agreement") pursuant to
which the Investors will purchase equity securities directly from the LLC and
thereby acquire an indirect equity interest in the Company. In order to induce
the Investors to enter into the Unit Purchase Agreement, the Company has agreed
to provide the registration rights set forth in this Agreement. The execution
and delivery of this Agreement is a condition to the Closing under the Unit
Purchase Agreement.

            NOW, THEREFORE, in consideration of the foregoing premises and the
respective agreements hereinafter set forth and the mutual benefits to be
derived herefrom, the parties hereto agree as follows:

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            1. Demand Registrations.

            (a) Requests for Registration. At any time after a Qualified IPO,
the holders of a majority of the Goldman Registrable Securities, the holders of
a majority of the GTCR Registrable Securities and the holders of a majority of
the HGF Registrable Securities may each request registration under the
Securities Act of all or any portion of their Registrable Securities on Form S-1
or any similar long-form registration ("Long-Form Registrations"), or on Form
S-2 or S-3 (including pursuant to Rule 415 under the Securities Act) or any
similar short-form registration ("Short-Form Registrations"), if available. All
registrations requested pursuant to this Section 1(a) are referred to herein as
"Demand Registrations." Each request for a Demand Registration shall specify the
approximate number of Registrable Securities requested to be registered and the
anticipated per share or per unit price range for such offering. Within ten days
after receipt of any such request, the Company shall give written notice of such
requested registration to all other holders of Registrable Securities and shall
include in such registration all Registrable Securities with respect to which
the Company has received written requests for inclusion therein within 15 days
after the receipt of the Company's notice.

            (b) Investor Long-Form Registrations. The holders of a majority of
the Goldman Registrable Securities, the holders of a majority of the GTCR
Registrable Securities and the holders of a majority of the HGF Registrable
Securities (each, an "Investor Majority") shall each be entitled to request
three (3) Long-Form Registrations in which the Company shall pay all
Registration Expenses (as defined in Section 5). A registration shall not count
as one of the permitted Long-Form Registrations until it has become effective
(unless such Long-Form Registration has not become effective due solely to the
fault of the holders requesting such registration). All Long-Form Registrations
shall be underwritten registrations.

            (c) Investor Short-Form Registrations. In addition to the Long-Form
Registrations provided pursuant to Section 1(b), each Investor Majority shall be
entitled to request an unlimited number of Short-Form Registrations in which the
Company shall pay all Registration Expenses; provided that the aggregate
offering value of the Registrable Securities requested to be registered in any
Short-Form Registration must equal at least $10.0 million. Demand Registrations
shall be Short-Form Registrations whenever the Company is permitted to use any
applicable short form. After the Company has become subject to the reporting
requirements of the Securities Exchange Act, the Company shall use its best
efforts to make Short-Form Registrations on Form S-3 available for the sale of
Registrable Securities. If the Company, pursuant to the request of an Investor
Majority, is qualified to and has filed with the Securities Exchange Commission
a registration statement under the Securities Act on Form S-3 pursuant to Rule
415 under the Securities Act (the "Required Registration"), then the Company
shall use its best efforts to cause the Required Registration to be declared
effective under the Securities Act as soon as practicable after filing, and,
once effective, the Company shall cause such Required Registration to remain
effective for a period ending on the earlier of (i) the date on which all
Goldman Registrable Securities, GTCR Registrable Securities or HGF Registrable
Securities, as applicable (depending on the Investor Majority requesting such
Required Registration), have been sold pursuant to the Required Registration, or
(ii) the date as of which the holder(s) of such Investor Registrable Securities
(assuming such holder(s) are affiliates of the Company) are able to sell all of
the Investor Registrable Securities then held by them within a ninety-day period
in compliance with Rule 144 under the Securities Act.

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            (d) Priority on Demand Registrations. The Company shall not include
in any Demand Registration any securities that are not Registrable Securities
without the prior written consent of the holders of a majority of the Investor
Registrable Securities included in such registration. If a Demand Registration
is an underwritten offering and the managing underwriters advise the Company in
writing that, in their opinion, the number of Registrable Securities and, if
permitted hereunder, other securities requested to be included in such offering
exceeds the number of Registrable Securities and other securities, if any, that
can be sold in an orderly manner in such offering within a price range
acceptable to the holders of a majority of the Investor Registrable Securities
to be included in such registration, then the Company shall include in such
registration, prior to the inclusion of any securities that are not Registrable
Securities, the number of Registrable Securities requested to be included that,
in the opinion of such underwriters, can be sold in an orderly manner within the
price range of such offering, pro rata among the respective holders thereof on
the basis of the amount of Registrable Securities owned by each such holder.

            (e) Restrictions on Long-Form Registrations. The Company shall not
be obligated to effect any Long-Form Registration within 90 days after the
effective date of a previous Long-Form Registration or a previous registration
in which the holders of Registrable Securities were given piggyback rights
pursuant to Section 2 and in which there was no reduction in the number of
Registrable Securities requested to be included. The Company may postpone for up
to 90 days the filing or the effectiveness of a registration statement for a
Demand Registration if the Company and the holders of a majority of the Investor
Registrable Securities agree that such Demand Registration would reasonably be
expected to have a material adverse effect on any proposal or plan by the
Company or any of its Subsidiaries to acquire financing, engage in any
acquisition of assets or stock (other than in the ordinary course of business),
or engage in any merger, consolidation, tender offer, reorganization, or similar
transaction or require the Company to disclose any material nonpublic
information which could reasonably be likely to be detrimental to the Company
and its Subsidiaries; provided that, in such event, the holders of Investor
Registrable Securities initially requesting such Demand Registration shall be
entitled to withdraw such request and the Company shall pay all Registration
Expenses in connection with such registration. The Company may delay a Demand
Registration hereunder only once in any twelve-month period.

            (f) Selection of Underwriters. The holders of a majority of the
Investor Registrable Securities included in any Demand Registration shall have
the right to select the investment banker(s) and manager(s) to administer the
offering.

            (g) Other Registration Rights. Except as provided in this Agreement,
the Company shall not grant to any Persons the right to request the Company to
register any equity securities of the Company, or any securities, options, or
rights convertible or exchangeable into or exercisable for such securities,
without the prior written consent of the holders of a majority of the Investor
Registrable Securities.

            (h) Obligations of Holders of Registrable Securities. Subject to the
Company's obligations under Section 4(e) hereof, each holder of Registrable
Securities shall cease using any prospectus after receipt of written notice from
the Company of the happening of any event as a result of which such prospectus
contains an untrue statement of a material fact or

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omits any fact necessary to make the statements therein not misleading in light
of the circumstances under which they were made.

            2. Piggyback Registrations.

            (a) Right to Piggyback. Whenever the Company proposes to register
any of its Common Stock (including any proposed registration of the Company's
Common Stock by any third party) under the Securities Act (other than (i)
pursuant to a Demand Registration, to which Section 1 is applicable, (ii) in
connection with an initial public offering of the Company's equity securities,
or (iii) in connection with registrations on Form S-4, S-8 or any successor or
similar forms) and the registration form to be used may be used for the
registration of Registrable Securities (a "Piggyback Registration"), the Company
shall give prompt written notice (and in any event within three business days
after its receipt of notice of any exercise of demand registration rights other
than under this Agreement) to all holders of Registrable Securities of its
intention to effect such a registration and shall include in such registration
all Registrable Securities with respect to which the Company has received
written requests for inclusion therein within 20 days after the receipt of the
Company's notice.

            (b) Piggyback Expenses. The Registration Expenses of the holders of
Registrable Securities shall be paid by the Company in all Piggyback
Registrations.

            (c) Priority on Primary Registrations. If a Piggyback Registration
is an underwritten primary registration on behalf of the Company, and the
managing underwriters advise the Company in writing that, in their opinion, the
number of securities requested to be included in such registration exceeds the
number which can be sold in an orderly manner in such offering within a price
range acceptable to the Company, then the Company shall include in such
registration (i) first, the securities the Company proposes to sell, (ii)
second, the Registrable Securities requested to be included in such
registration, pro rata among the holders of such Registrable Securities on the
basis of the number of shares or units owned by each such holder, and (iii)
third, the other securities requested to be included in such registration.

            (d) Priority on Secondary Registrations. If a Piggyback Registration
is an underwritten secondary registration on behalf of holders of the Company's
securities other than holders of Registrable Securities (it being understood
that secondary registrations on behalf of holders of Registrable Securities are
addressed in Section 1 above rather than this Section 2(d)), and the managing
underwriters advise the Company in writing that, in their opinion, the number of
securities requested to be included in such registration exceeds the number
which can be sold in an orderly manner in such offering within a price range
acceptable to the holders of a majority of the Registrable Securities to be
included in such registration, then the Company shall include in such
registration (i) first, the securities requested to be included therein by the
holders requesting such registration, (ii) second, the Registrable Securities
requested to be included in such registration, pro rata among the holders of
such Registrable Securities on the basis of the number of shares or units owned
by each such holder, and (iii) third, the other securities requested to be
included in such registration.

            (e) Selection of Underwriters. If any Piggyback Registration is an
underwritten offering, then the selection of investment banker(s) and manager(s)
for the offering

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must be approved by the holders of a majority of the Registrable Securities
included in such Piggyback Registration. Such approval shall not be unreasonably
withheld.

            (f) Other Registrations. If the Company has previously filed a
registration statement with respect to Registrable Securities pursuant to
Section 1 or pursuant to this Section 2, and if such previous registration has
not been withdrawn or abandoned, then, unless such previous registration is a
Required Registration, the Company shall not file or cause to be effected any
other registration of any of its equity securities or securities convertible or
exchangeable into or exercisable for its equity securities under the Securities
Act (except on Form S-4, Form S-8 or any successor forms), whether on its own
behalf or at the request of any holder or holders of such securities, until a
period of at least 180 days has elapsed from the effective date of such previous
registration.

            3. Holdback Agreements.

            (a) Each holder of Registrable Securities agrees not to offer, sell,
contract to sell, pledge or otherwise dispose of, directly or indirectly, any
equity securities of the Company, or any securities convertible into or
exchangeable or exercisable for such securities, enter into a transaction which
would have the same effect, or enter into any swap, hedge or other arrangement
that transfers, in whole or in part, any of the economic consequences of
ownership of such securities, whether any such aforementioned transaction is to
be settled by delivery of such securities or other securities, in cash or
otherwise, or publicly disclose the intention to make any such offer, sale,
pledge or disposition, or to enter into any such transaction, swap, hedge or
other arrangement, in each case during the seven days before and the 90-day
period (but in the case of the Company's initial public offering, the 180-day
period) beginning on the effective date of any underwritten public offering of
the Company's equity securities (including Piggyback Registrations) (or such
longer or shorter period as may be requested in writing by the managing
underwriter and agreed to in writing by the Company (the "Market Standoff
Period")), except as part of such underwritten registration if otherwise
permitted. In addition, each holder of Registrable Securities agrees to execute
any further letters, agreements and/or other documents requested by the Company
or its underwriters which are consistent with the terms of this Section 3(a).
The Company may impose stop-transfer instructions with respect to securities
subject to the foregoing restrictions until the end of such Market Standoff
Period.

            (b) The Company (i) shall not effect any public sale or distribution
of its equity securities, or any securities, options, or rights convertible into
or exchangeable or exercisable for such securities, during the seven days prior
to and during the 180-day period beginning on the effective date of any
underwritten Demand Registration or any underwritten Piggyback Registration
(except as part of such underwritten registration or pursuant to registrations
on Form S-4, Form S-8 or any successor forms), unless the underwriters managing
the registered public offering otherwise agree, and (ii) to the extent not
inconsistent with applicable law, shall cause each holder of its equity
securities, or any securities convertible into or exchangeable or exercisable
for equity securities, purchased from the Company at any time after the date of
this Agreement (other than in a registered public offering) to agree not to
effect any public sale or distribution (including sales pursuant to Rule 144) of
any such securities during such period (except as part of such underwritten
registration, if otherwise permitted), unless the underwriters managing the
registered public offering otherwise agree.

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            4. Registration Procedures. Whenever the holders of Registrable
Securities have requested that any Registrable Securities be registered pursuant
to this Agreement, the Company shall use its best efforts to effect the
registration and the sale of such Registrable Securities in accordance with the
intended method of disposition thereof, and pursuant thereto the Company shall
as expeditiously as possible:

            (a) prepare and, within 60 days after the end of the period within
which requests for registration may be given to the Company, file with the
Securities and Exchange Commission a registration statement with respect to such
Registrable Securities and use its best efforts to cause such registration
statement to become effective (provided that, before filing a registration
statement or prospectus or any amendments or supplements thereto, the Company
shall furnish to the counsel selected by the holders of a majority of the
Investor Registrable Securities covered by such registration statement copies of
all such documents proposed to be filed, which documents shall be subject to the
review and comment of such counsel);

            (b) notify in writing each holder of Registrable Securities of the
effectiveness of each registration statement filed hereunder and prepare and
file with the Securities and Exchange Commission such amendments and supplements
to such registration statement and the prospectus used in connection therewith
as may be necessary to keep such registration statement effective for a period
of not less than 180 days (or, if such registration statement relates to an
underwritten offering, such longer period as in the opinion of counsel for the
underwriters a prospectus is required by law to be delivered in connection with
sales of Registrable Securities by an underwriter or dealer) and comply with the
provisions of the Securities Act with respect to the disposition of all
securities covered by such registration statement during such period in
accordance with the intended methods of disposition by the sellers thereof set
forth in such registration statement;

            (c) furnish to each seller of Registrable Securities such number of
copies of such registration statement, each amendment and supplement thereto,
the prospectus included in such registration statement (including each
preliminary prospectus), and such other documents as such seller may reasonably
request in order to facilitate the disposition of the Registrable Securities
owned by such seller;

            (d) use its best efforts to register or qualify such Registrable
Securities under such other securities or blue sky laws of such jurisdictions as
any seller reasonably requests and do any and all other acts and things which
may be reasonably necessary or advisable to enable such seller of Registrable
Securities to consummate the disposition in such jurisdictions of the
Registrable Securities owned by such seller of Registrable Securities (provided
that the Company shall not be required to (i) qualify generally to do business
in any jurisdiction where it would not otherwise be required to qualify but for
this Section 4(d), (ii) subject itself to taxation in any such jurisdiction, or
(iii) consent to general service of process in any such jurisdiction);

            (e) promptly notify in writing each seller of such Registrable
Securities, at any time when a prospectus relating thereto is required to be
delivered under the Securities Act, of the happening of any event as a result of
which the prospectus included in such registration statement contains an untrue
statement of a material fact or omits any fact necessary to make the statements
therein not misleading in light of the circumstances under which they were made,
and,

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at the request of the holders of a majority of the Registrable Securities
covered by such registration statement, the Company shall promptly prepare and
furnish to each such seller a reasonable number of copies of a supplement or
amendment to such prospectus so that, as thereafter delivered to the purchasers
of such Registrable Securities, such prospectus shall not contain an untrue
statement of a material fact or omit to state any fact necessary to make the
statements therein not misleading in light of the circumstances under which they
were made; provided however that the Company may postpone the preparation and
delivery of such a supplement or amendment to such prospectus for up to 90 days
if the Company determines that delivery of such a supplement or amendment would
reasonably be expected to have a material adverse effect on any proposal or plan
by the Company or any of its Subsidiaries to acquire financing, engage in any
acquisition of assets or stock (other than in the ordinary course of business),
or engage in any merger, consolidation, tender offer, reorganization, or similar
transaction or require the Company to disclose any material nonpublic
information which could reasonably be likely to be detrimental to the Company
and its Subsidiaries; provided further that, in such event, the Company shall
notify the holders of Registrable Securities covered by such prospectus of such
delay and such holders shall cease using such prospectus and shall not make any
sales thereunder during such period; provided further that the Company may
postpone the preparation and delivery of such a supplement or amendment under
this Section 4(e) only once in any twelve-month period;

            (f) cause all such Registrable Securities to be listed on each
securities exchange on which similar securities issued by the Company are then
listed and, if not so listed, to be listed on the NASD automated quotation
system and, if listed on the NASD automated quotation system, use its best
efforts to secure designation of all such Registrable Securities covered by such
registration statement as a NASDAQ "national market system security" within the
meaning of Rule 11Aa2-1 of the Securities and Exchange Commission or, failing
that, to secure NASDAQ authorization for such Registrable Securities;

            (g) provide a transfer agent and registrar for all such Registrable
Securities not later than the effective date of such registration statement;

            (h) enter into such customary agreements (including underwriting
agreements in customary form) and take all such other actions as the holders of
a majority of the Registrable Securities being sold or the underwriters, if any,
reasonably request in order to expedite or facilitate the disposition of
Registrable Securities (including effecting a stock split or a combination of
stock);

            (i) make available for inspection by any underwriter participating
in any disposition pursuant to such registration statement, and any attorney,
accountant, or other agent retained by any such underwriter, all financial and
other records, pertinent corporate documents and properties of the Company, and
cause the Company's officers, directors, employees, and independent accountants
to supply all information reasonably requested by any such underwriter,
attorney, accountant, or agent in connection with such registration statement
and assist and, at the request of any participating underwriter, use reasonable
best efforts to cause such officers or directors to participate in presentations
to prospective purchasers;

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            (j) otherwise use its best efforts to comply with all applicable
rules and regulations of the Securities and Exchange Commission, and make
available to its security holders, as soon as reasonably practicable, an
earnings statement covering the period of at least twelve months beginning with
the first day of the Company's first full calendar quarter after the effective
date of the registration statement, which earnings statement shall satisfy the
provisions of Section 11(a) of the Securities Act and Rule 158 thereunder;

            (k) in the event of the issuance of any stop order suspending the
effectiveness of a registration statement, or of any order suspending or
preventing the use of any related prospectus or suspending the qualification of
any equity securities included in such registration statement for sale in any
jurisdiction, the Company shall use its best efforts promptly to obtain the
withdrawal of such order;

            (l) use its best efforts to cause such Registrable Securities
covered by such registration statement to be registered with or approved by such
other governmental agencies or authorities as may be necessary to enable the
sellers thereof to consummate the disposition of such Registrable Securities;

            (m) obtain one or more cold comfort letters, dated the effective
date of such registration statement (and, if such registration includes an
underwritten public offering, dated the date of the closing under the
underwriting agreement), from the Company's independent public accountants in
customary form and covering such matters of the type customarily covered by cold
comfort letters as the holders of a majority of the Registrable Securities being
sold in such registered offering reasonably request (provided that such
Registrable Securities constitute at least 10% of the securities covered by such
registration statement); and

            (n) provide a legal opinion of the Company's outside counsel, dated
the effective date of such registration statement (or, if such registration
includes an underwritten public offering, dated the date of the closing under
the underwriting agreement), with respect to the registration statement, each
amendment and supplement thereto, the prospectus included therein (including the
preliminary prospectus) and such other documents relating thereto in customary
form and covering such matters of the type customarily covered by legal opinions
of such nature.

            5. Registration Expenses.

            (a) Subject to Section 5(b) below, all expenses incident to the
Company's performance of or compliance with this Agreement, including all
registration and filing fees, fees and expenses of compliance with securities or
blue sky laws, printing expenses, travel expenses, filing expenses, messenger
and delivery expenses, fees and disbursements of custodians, and fees and
disbursements of counsel for the Company, and fees and disbursements of all
independent certified public accountants, underwriters including, if necessary,
a "qualified independent underwriter" within the meaning of the rules of the
National Association of Securities Dealers, Inc. (in each case, excluding
discounts and commissions), and other Persons retained by the Company or by
holders of Investor Registrable Securities or their affiliates on behalf of the
Company (all such expenses being herein called "Registration Expenses"), shall
be borne as provided in this Agreement, except that the Company shall, in any
event, pay its internal

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expenses (including all salaries and expenses of its officers and employees
performing legal or accounting duties), the expense of any annual audit or
quarterly review, the expense of any liability insurance, and the expenses and
fees for listing the securities to be registered on each securities exchange on
which similar securities issued by the Company are then listed or on the NASD
automated quotation system (or any successor or similar system).

            (b) In connection with each Demand Registration and each Piggyback
Registration, the Company shall reimburse the holders of Registrable Securities
included in such registration for the reasonable fees and disbursements of one
counsel chosen by the holders of a majority of the Investor Registrable
Securities included in such registration.

            (c) To the extent Registration Expenses are not required to be paid
by the Company, each holder of securities included in any registration hereunder
shall pay those Registration Expenses allocable to the registration of such
holder's securities so included, and any Registration Expenses not so allocable
shall be borne by all sellers of securities included in such registration in
proportion to the aggregate selling price of the securities to be so registered.

            6. Indemnification.

            (a) The Company agrees to indemnify and hold harmless, to the
fullest extent permitted by law, each holder of Registrable Securities, its
officers, directors, agents, and employees, and each Person who controls such
holder (within the meaning of the Securities Act) against all losses, claims,
damages, liabilities, and expenses (or actions or proceedings, whether commenced
or threatened, in respect thereof), whether joint and several or several,
together with reasonable costs and expenses (including reasonable attorney's
fees) to which any such indemnified party may become subject under the
Securities Act or otherwise (collectively, "Losses") caused by, resulting from,
arising out of, based upon, or relating to (i) any untrue or alleged untrue
statement of material fact contained in (A) any registration statement,
prospectus or preliminary prospectus, or any amendment thereof or supplement
thereto or (B) any application or other document or communication (in this
Section 6, collectively called an "application") executed by or on behalf of the
Company or based upon written information furnished by or on behalf of the
Company filed in any jurisdiction in order to qualify any securities covered by
such registration under the "blue sky" or securities laws thereof or (ii) any
omission or alleged omission of a material fact required to be stated therein or
necessary to make the statements therein not misleading, and the Company will
reimburse such holder and each such director, officer, and controlling Person
for any legal or any other expenses incurred by them in connection with
investigating or defending any such Losses; provided that the Company shall not
be liable in any such case to the extent that any such Losses result from, arise
out of, are based upon, or relate to an untrue statement or alleged untrue
statement, or omission or alleged omission, made in such registration statement,
any such prospectus, or preliminary prospectus or any amendment or supplement
thereto, or in any application, in reliance upon, and in conformity with,
written information prepared and furnished in writing to the Company by such
holder about such holder expressly for use therein or by such holder's failure
to deliver a copy of the registration statement or prospectus or any amendments
or supplements thereto after the Company has furnished such holder with a
sufficient number of copies of the same. In connection with an underwritten
offering, the Company shall indemnify such underwriters, their officers and
directors, and each Person who controls such underwriters (within the meaning of

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the Securities Act) to the same extent as provided above with respect to the
indemnification of the holders of Registrable Securities.

            (b) In connection with any registration statement in which a holder
of Registrable Securities is participating, each such holder will furnish to the
Company in writing such information and affidavits as the Company reasonably
requests for use in connection with any such registration statement or
prospectus and, to the fullest extent permitted by law, shall indemnify and hold
harmless the other holders of Registrable Securities and the Company, and their
respective officers, directors, agents, and employees, and each other Person who
controls the Company (within the meaning of the Securities Act) against any
Losses caused by, resulting from, arising out of, based upon, or relating to (i)
any untrue or alleged untrue statement of material fact contained in the
registration statement, prospectus or preliminary prospectus, or any amendment
thereof or supplement thereto or in any application, or (ii) any omission or
alleged omission of a material fact required to be stated therein or necessary
to make the statements therein not misleading, but only to the extent that such
untrue statement or omission is made in such registration statement, any such
prospectus or preliminary prospectus or any amendment or supplement thereto, or
in any application in reliance upon and in conformity with written information
prepared and furnished to the Company by such holder expressly for use therein,
and such holder will reimburse the Company and each such other indemnified party
for any legal or any other expenses incurred by them in connection with
investigating or defending any such Losses; provided that the obligation to
indemnify will be individual, not joint and several, for each holder and shall
be limited to the net amount of proceeds received by such holder from the sale
of Registrable Securities pursuant to such registration statement.

            (c) Any Person entitled to indemnification hereunder will (i) give
prompt written notice to the indemnifying party of any claim with respect to
which it seeks indemnification (provided that the failure to give prompt notice
shall not impair any Person's right to indemnification hereunder to the extent
such failure has not prejudiced the indemnifying party) and (ii) unless in such
indemnified party's reasonable judgment a conflict of interest between such
indemnified and indemnifying parties may exist with respect to such claim,
permit such indemnifying party to assume the defense of such claim with counsel
reasonably satisfactory to the indemnified party. If such defense is assumed,
then the indemnifying party will not be subject to any liability for any
settlement made by the indemnified party without its consent (but such consent
will not be unreasonably withheld). The indemnified party shall have the right
to employ separate counsel in any such action and to participate in the defense
thereof, but the fees and disbursements of such counsel shall be at the expense
of the indemnified party unless employment of such counsel has been specifically
authorized by the indemnifying party in writing. The indemnifying party shall
pay the fees and expenses of one separate counsel (plus local counsel if
appropriate) for the indemnified party and any other indemnified persons if the
named parties to any such action (including any impleaded parties) include the
indemnifying party (or any of the directors of the indemnifying party) and the
indemnified party and (x) in the good faith judgment of the indemnified party
the use of joint counsel would present such counsel with an actual or potential
conflict of interest, (y) the indemnified party shall have been advised by
counsel that there may be one or more legal defenses available to it which are
different from or additional to those available to the indemnifying party (or
its managers or directors) or (z) the indemnifying party failed to assume the
defense thereof.

                                     - 10 -
<PAGE>

            (d) The indemnification provided for under this Agreement shall be
in addition to any other rights to indemnification or contribution which any
indemnified party may have pursuant to law or contract, and will remain in full
force and effect regardless of any investigation made or omitted by or on behalf
of the indemnified party or any officer, director, or controlling Person of such
indemnified party and shall survive the transfer of securities.

            (e) If the indemnification provided for in this Section 6 is
unavailable to or is insufficient to hold harmless an indemnified party under
the provisions above in respect to any Losses referred to therein, then each
indemnifying party shall contribute to the amount paid or payable by such
indemnified party as a result of such Losses (i) in such proportion as is
appropriate to reflect the relative fault of the Company on the one hand and the
sellers of Registrable Securities and any other sellers participating in the
registration statement on the other hand or (ii) if the allocation provided by
clause (i) above is not permitted by applicable law, then in such proportion as
is appropriate to reflect not only the relative fault referred to in clause (i)
above but also the relative benefit of the Company on the one hand and of the
sellers of Registrable Securities and any other sellers participating in the
registration statement on the other in connection with the statement or
omissions which resulted in such Losses, as well as any other relevant equitable
considerations. The relative benefits received by the Company on the one hand
and the sellers of Registrable Securities and any other sellers participating in
the registration statement on the other shall be deemed to be in the same
proportion as the total net proceeds from the offering (before deducting
expenses) to the Company bear to the total net proceeds from the offering
(before deducting expenses) to the sellers of Registrable Securities and any
other sellers participating in the registration statement. The relative fault of
the Company on the one hand and of the sellers of Registrable Securities and any
other sellers participating in the registration statement on the other shall be
determined by reference to, among other things, whether the untrue statement or
alleged omission to state a material fact relates to information supplied by the
Company or by the sellers of Registrable Securities or other sellers
participating in the registration statement and the parties' relative intent,
knowledge, access to information, and opportunity to correct or prevent such
statement or omission.

            (f) The Company and the sellers of Registrable Securities agree that
it would not be just and equitable if contribution pursuant to this Section 6
were determined by pro rata allocation (even if the sellers of Registrable
Securities were treated as one entity for such purpose) or by any other method
of allocation which does not take account of the equitable considerations
referred to in Section 6(e) above. The amount paid or payable by an indemnified
party as a result of the Losses referred to in Section 6(e) above shall be
deemed to include, subject to the limitations set forth above, any legal or
other expenses reasonably incurred by such indemnified party in connection with
investigating or defending any such action or claim. Notwithstanding the
provisions of this Section 6, no seller of Registrable Securities shall be
required to contribute pursuant to this Section 6 any amount in excess of the
sum of (i) any amounts paid pursuant to Section 6(b) above and (ii) the net
proceeds received by such seller from the sale of Registrable Securities covered
by the registration statement filed pursuant hereto. No Person guilty of
fraudulent misrepresentation (within the meaning of Section 11(f) of the
Securities Act) shall be entitled to contribution from any Person who was not
guilty of such fraudulent misrepresentation.

                                     - 11 -
<PAGE>

            7. Participation in Underwritten Registrations.

            (a) No Person may participate in any underwritten registration
hereunder unless such Person (i) agrees to sell such Person's securities on the
basis provided in any underwriting arrangements approved by the Person or
Persons entitled hereunder to approve such arrangements (including pursuant to
the terms of any over-allotment or "green shoe" option requested by the managing
underwriter(s), provided that no holder of Registrable Securities will be
required to sell more than the number of Registrable Securities that such holder
has requested the Company to include in any registration) and (ii) completes and
executes all questionnaires, powers of attorney, indemnities, underwriting
agreements, and other documents reasonably required under the terms of such
underwriting arrangements; provided that no holder of Registrable Securities
included in any underwritten registration shall be required to make any
representations or warranties to the Company or the underwriters (other than
representations and warranties regarding such holder and such holder's intended
method of distribution) or to undertake any indemnification obligations to the
Company or the underwriters with respect thereto, except as otherwise provided
in Section 6 hereof.

            (b) Each Person that is participating in any registration hereunder
agrees that, upon receipt of any notice from the Company of the happening of any
event of the kind described in Section 4(e) above, such Person will immediately
discontinue the disposition of its Registrable Securities pursuant to the
registration statement until such Person's receipt of the copies of a
supplemented or amended prospectus as contemplated by Section 4(e). In the event
the Company shall give any such notice, the applicable time period mentioned in
Section 4(b) during which a Registration Statement is to remain effective shall
be extended by the number of days during the period from and including the date
of the giving of such notice pursuant to this Section 7(b) to and including the
date when each seller of a Registrable Security covered by such registration
statement shall have received the copies of the supplemented or amended
prospectus contemplated by Section 4(e).

            8. Additional Stockholders. In connection with the issuance of any
additional equity securities of the Company, the Company, only with the consent
of the holders of a majority of the Investor Registrable Securities, may permit
such Person to become a party to this Agreement and receive all of the rights
and obligations of a holder of any particular category of Registrable Securities
under this Agreement by obtaining an executed counterpart signature page to this
Agreement, and, upon such execution, such Person shall for all purposes be a
holder of such category of Registrable Securities and party to this Agreement.

            9. Definitions. Unless otherwise stated, other capitalized terms
contained in this Agreement and not defined herein shall have the meanings set
forth in the Unit Purchase Agreement.

            "Common Stock" means, collectively, the Company's common stock, par
value $0.01 per share, and any other class or series of authorized capital stock
of the Company that is not limited to a fixed sum or percentage of par or stated
value in respect of the rights of the holders thereof to participate in
dividends or in the distribution of assets upon any liquidation, dissolution or
winding up of the Company.

                                     - 12 -
<PAGE>

            "Executive Registrable Securities" means any shares of Common Stock
held as of the date hereof, or acquired hereafter through the exercise of
employee stock options, by the executive employees of the Company and its
Subsidiaries who are or become parties to this Agreement.

            "Goldman Registrable Securities" means, (i) any Common Stock issued
or distributed in respect of units of the LLC issued to Goldman pursuant to the
Unit Purchase Agreement, (ii) any Common Stock issued or issuable with respect
to the securities referred to in clause (i) above by way of dividend,
distribution, split or combination of securities, or any recapitalization,
merger, consolidation or other reorganization, and (iii) any other Common Stock
held by Persons holding securities described in clauses (i) or (ii) above.

            "GTCR Registrable Securities" means, (i) any Common Stock issued or
distributed in respect of units of the LLC issued to the GTCR Investors pursuant
to the Unit Purchase Agreement, (ii) any Common Stock issued or issuable with
respect to the securities referred to in clause (i) above by way of dividend,
distribution, split or combination of securities, or any recapitalization,
merger, consolidation or other reorganization, and (iii) any other Common Stock
held by Persons holding securities described in clauses (i) or (ii) above.

            "HGF Registrable Securities" means, (i) any Common Stock issued or
distributed in respect of units of the LLC issued to the HGF Investors pursuant
to the Unit Purchase Agreement or the Management Agreement, (ii) any Common
Stock issued or issuable with respect to the securities referred to in clause
(i) above by way of dividend, distribution, split or combination of securities,
or any recapitalization, merger, consolidation or other reorganization, and
(iii) any other Common Stock held by Persons holding securities described in
clauses (i) or (ii) above.

            "Management Agreement" means the Management Agreement, dated as of
the date hereof, by and among the LLC, the Company, HGF and others, as amended
and modified from time to time in accordance with its terms.

            "Investor Registrable Securities" means the Goldman Registrable
Securities, the GTCR Registrable Securities and the HGF Registrable Securities,
collectively.

            "Other Registrable Securities" means, (i) any Common Stock held as
of the date hereof, or acquired hereafter by the Other Stockholders and (ii)
common equity securities of the Company or a Subsidiary issued or issuable with
respect to the securities referred to in clause (i) above by way of dividend,
distribution, split or combination of securities, or any recapitalization,
merger, consolidation or other reorganization.

            "Person" means an individual, a partnership, a limited liability
company, a corporation, an association, a joint stock company, a trust, a joint
venture, an unincorporated organization, an investment fund, any other business
entity and a governmental entity or any department, agency or political
subdivision thereof.

            "Qualified IPO" means an underwritten initial public offering of the
common stock of the Company with gross proceeds of at least $50.0 million in a
firm commitment underwriting.

                                     - 13 -
<PAGE>

            "Registrable Securities" means the Investor Registrable Securities,
the Executive Registrable Securities and the Other Registrable Securities. As to
any particular Registrable Securities, such securities shall cease to be
Registrable Securities when they (i) have been distributed to the public
pursuant to an offering registered under the Securities Act or sold to the
public through a broker, dealer, or market maker in compliance with Rule 144
under the Securities Act (or any similar rule then in force), (ii) unless the
respective Stockholder otherwise elects, have been distributed to the partners
of any of the Stockholder, (iii) have been effectively registered under a
registration statement including, without limitation, a registration statement
on Form S-8 (or any successor form), or (iv) have been repurchased by the
Company. In addition, all Registrable Securities held by any Person shall cease
to be Registrable Securities (provided that, for purposes of this provision, all
Investors and all Registrable Securities held by such Investors shall be treated
as Registrable Securities held by a single Person) when all such Registrable
Securities become eligible to be sold to the public through a broker, dealer, or
market maker pursuant to Rule 144 (or any similar provision then in force)
during a single 90-day period. For purposes of this Agreement, a Person shall be
deemed to be a holder of Registrable Securities whenever such Person has the
right to acquire such Registrable Securities (upon conversion or exercise in
connection with a transfer of securities or otherwise, but disregarding any
restrictions or limitations upon the exercise of such right), whether or not
such acquisition has actually been effected.

            "Securities Act" means the Securities Act of 1933, as amended, or
any successor federal law then in force, together with all rules and regulations
promulgated thereunder.

            "Securities Exchange Act" means the Securities Exchange Act of 1934,
as amended, or any successor federal law then in force, together with all rules
and regulations promulgated thereunder.

            "Subsidiary" means, with respect to any Person, any corporation,
limited liability company, partnership, association, or business entity of which
(i) if a corporation, a majority of the total voting power of shares of stock
entitled (without regard to the occurrence of any contingency) to vote in the
election of directors, managers, or trustees thereof is at the time owned or
controlled, directly or indirectly, by that Person or one or more of the other
Subsidiaries of that Person or a combination thereof, or (ii) if a limited
liability company, partnership, association, or other business entity (other
than a corporation), a majority of partnership or other similar ownership
interest thereof is at the time owned or controlled, directly or indirectly, by
that Person or one or more Subsidiaries of that Person or a combination thereof.
For purposes hereof, a Person or Persons shall be deemed to have a majority
ownership interest in a limited liability company, partnership, association, or
other business entity (other than a corporation) if such Person or Persons shall
be allocated a majority of limited liability company, partnership, association,
or other business entity gains or losses or shall be or control any managing
director or general partner of such limited liability company, partnership,
association, or other business entity. For purposes hereof, references to a
"Subsidiary" of any Person shall be given effect only at such times that such
Person has one or more Subsidiaries, and, unless otherwise indicated, the term
"Subsidiary" refers to a Subsidiary of the Company.

                                     - 14 -
<PAGE>

            10. Miscellaneous.

            (a) No Inconsistent Agreements. Neither the Company nor any
Subsidiary of the Company shall hereafter enter into any agreement with respect
to its securities that is inconsistent with or violates the rights granted to
the holders of Registrable Securities in this Agreement.

            (b) Adjustments Affecting Registrable Securities. The Company shall
not take any action, or permit any change to occur, with respect to its
securities that would adversely affect the ability of the holders of Registrable
Securities to include such Registrable Securities in a registration undertaken
pursuant to this Agreement or that would adversely affect the marketability of
such Registrable Securities in any such registration (including effecting a unit
split or a combination of units).

            (c) Remedies. Any Person having rights under any provision of this
Agreement shall be entitled to enforce such rights specifically, to recover
damages caused by reason of any breach of any provision of this Agreement and to
exercise all other rights granted by law. The parties hereto agree and
acknowledge that money damages may not be an adequate remedy for any breach of
the provisions of this Agreement and that any party may in its sole discretion
apply to any court of law or equity of competent jurisdiction (without posting
any bond or other security) for specific performance and for other injunctive
relief in order to enforce or prevent violation of the provisions of this
Agreement. Nothing contained in this Agreement shall be construed to confer upon
any Person who is not a signatory hereto any rights or benefits, whether as a
third-party beneficiary or otherwise.

            (d) Amendments and Waivers. Except as otherwise provided herein, no
modification, amendment, or waiver of any provision of this Agreement shall be
effective against the Company or the holders of Registrable Securities unless
such modification, amendment, or waiver is approved in writing by the holders of
a majority of the Goldman Registrable Securities, the holders of a majority of
the GTCR Registrable Securities, the holders of a majority of the HGF
Registrable Securities and the Company; provided that no such amendment or
modification that would materially and adversely affect holders of one class or
group of Registrable Securities in a manner different than holders of the
Investor Registrable Securities (other than amendments and modifications
required to implement the provisions of Section 8) shall be effective against
the holders of such class or group of Registrable Securities without the prior
written consent of holders of at least a majority of Registrable Securities of
such class or group materially and adversely affected thereby. No failure by any
party to insist upon the strict performance of any covenant, duty, agreement, or
condition of this Agreement or to exercise any right or remedy consequent upon a
breach thereof shall constitute a waiver of any such breach or any other
covenant, duty, agreement, or condition.

            (e) Successors and Assigns. All covenants and agreements in this
Agreement by or on behalf of any of the parties hereto shall bind and inure to
the benefit of the respective successors and assigns of the parties hereto
whether so expressed or not. In addition, whether or not any express assignment
has been made, the provisions of this Agreement which are for the benefit of
purchasers or holders of Registrable Securities are also for the benefit of, and
enforceable by, any subsequent holder of Registrable Securities. Notwithstanding
the foregoing,

                                     - 15 -
<PAGE>

in order to obtain the benefit of this Agreement, any subsequent holder of
Registrable Securities must execute a counterpart to this Agreement, thereby
agreeing to be bound by the terms hereof, and such transfer must not violate the
requirements of any other agreement(s) to which the transferor or the applicable
Registrable Securities are bound.

            (f) Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Agreement is held to be invalid,
illegal or unenforceable in any respect under any applicable law or rule in any
jurisdiction, such invalidity, illegality or unenforceability will not affect
any other provision or any other jurisdiction, but this Agreement will be
reformed, construed and enforced in such jurisdiction as if such invalid,
illegal or unenforceable provision had never been contained herein.

            (g) Counterparts. This Agreement may be executed simultaneously in
two or more counterparts (including by means of facsimile), any one of which
need not contain the signatures of more than one party, but all such
counterparts taken together shall constitute one and the same Agreement.

            (h) Descriptive Headings; Interpretation. The descriptive headings
of this Agreement are inserted for convenience only and do not constitute a
substantive part of this Agreement. Whenever required by the context, any
pronoun used in this Agreement shall include the corresponding masculine,
feminine, or neuter forms, and the singular form of nouns, pronouns, and verbs
shall include the plural and vice versa. The use of the word "including" in this
Agreement shall be, in each case, by way of example and without limitation. The
use of the words "or," "either," and "any" shall not be exclusive. Reference to
any agreement, document, or instrument means such agreement, document, or
instrument as amended or otherwise modified from time to time in accordance with
the terms thereof, and, if applicable, hereof.

            (i) Governing Law. The Delaware General Corporation Law shall govern
all issues and questions concerning the relative rights of the Company and its
stockholders. All other issues and questions concerning the construction,
validity, interpretation, and enforcement of this Agreement and the exhibits and
schedules hereto shall be governed by, and construed in accordance with, the
laws of the State of New York, without giving effect to any choice of law or
conflict of law rules or provisions (whether of the State of New York or any
other jurisdiction) that would cause the application of the laws of any
jurisdiction other than the State of New York.

            (j) MUTUAL WAIVER OF JURY TRIAL. BECAUSE DISPUTES ARISING IN
CONNECTION WITH COMPLEX TRANSACTIONS ARE MOST QUICKLY AND ECONOMICALLY RESOLVED
BY AN EXPERIENCED AND EXPERT PERSON AND THE PARTIES WISH APPLICABLE STATE AND
FEDERAL LAWS TO APPLY (RATHER THAN ARBITRATION RULES), THE PARTIES DESIRE THAT
THEIR DISPUTES BE RESOLVED BY A JUDGE APPLYING SUCH APPLICABLE LAWS. THEREFORE,
TO ACHIEVE THE BEST COMBINATION OF THE BENEFITS OF THE JUDICIAL SYSTEM AND OF
ARBITRATION, EACH PARTY TO THIS AGREEMENT HEREBY WAIVES ALL RIGHTS TO TRIAL BY
JURY IN ANY ACTION, SUIT, OR PROCEEDING BROUGHT TO RESOLVE ANY DISPUTE BETWEEN
OR AMONG ANY OF THE PARTIES HERETO, WHETHER ARISING IN CONTRACT, TORT, OR

                                     - 16 -
<PAGE>

OTHERWISE, ARISING OUT OF, CONNECTED WITH, RELATED OR INCIDENTAL TO THIS
AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.

            (k) Notices. All notices, demands, or other communications to be
given or delivered under or by reason of the provisions of this Agreement shall
be in writing and shall be deemed to have been given when delivered personally
to the recipient, sent to the recipient by reputable overnight courier service
(charges prepaid), mailed to the recipient by certified or registered mail,
return receipt requested and postage prepaid or telecopied to the recipient
(with hard copy sent to the recipient by reputable overnight courier service
(charges prepaid) that same day) if telecopied before 5:00 p.m. Chicago,
Illinois time on a business day, and otherwise on the next business day. Such
notices, demands, and other communications shall be sent to each Investor, each
Executive, and each Other Stockholder at the addresses indicated on the Schedule
of Holders and to the Company at the address of its corporate headquarters or to
such other address or to the attention of such other Person as the recipient
party has specified by prior written notice to the sending party.

            (l) No Strict Construction. The parties hereto have participated
jointly in the negotiation and drafting of this Agreement. In the event an
ambiguity or question of intent or interpretation arises, this Agreement shall
be construed as if drafted jointly by the parties hereto, and no presumption or
burden of proof shall arise favoring or disfavoring any party by virtue of the
authorship of any of the provisions of this Agreement.

                                    * * * * *

                                     - 17 -
<PAGE>

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

                                   TRIAD HOLDINGS INC.

                                   By:   /s/ J. Randy Staff
                                         ---------------------------------------
                                   Name: J. Randy Staff
                                   Its:  CEO

                                   GS Capital Partners 2000, L.P.

                                   By:   GS Advisors 2000, L.L.C.
                                   Its:  General Partner

                                   By:   /s/ Stuart A. Katz
                                         ---------------------------------------
                                   Name: Stuart A. Katz
                                   Its:  Vice President

                                   GS CAPITAL PARTNERS 2000 EMPLOYEE FUND, L.P.

                                   By:   GS Employee Funds 2000 GP, L.L.C.
                                   Its:  General Partner

                                   By:   /s/ Stuart A. Katz
                                         ---------------------------------------
                                   Name: Stuart A. Katz
                                   Its:  Vice President

                                   GS CAPITAL PARTNERS 2000 OFFSHORE, L.P.

                                   By:   GS Advisors 2000, L.L.C.
                                   Its:  General Partner

                                   By:   /s/ Stuart A. Katz
                                         ---------------------------------------
                                   Name: Stuart A. Katz
                                   Its:  Vice President

                 SIGNATURE PAGE TO REGISTRATION RIGHTS AGREEMENT

<PAGE>

                              GOLDMAN SACHS DIRECT INVESTMENT FUND 2000, L.P.

                              By:   GS Employee Funds 2000 GP, L.L.C.
                              Its:  General Partner

                              By:   /s/ Stuart A. Katz
                                    --------------------------------------------
                              Name: Stuart A. Katz
                              Its:  Vice President

                              GS CAPITAL PARTNERS 2000 GmbH & CO. BETEILGUNGS KG

                              By:   Goldman Sachs Management GP GmbH
                              Its:  General Partner

                              By:   /s/ Stuart A. Katz
                                    --------------------------------------------
                              Name: Stuart A. Katz
                              Its:  Vice President

                              MTGLQ INVESTORS, L.P.

                              By:   MLQ L.L.C.
                              Its:  General Partner

                              By:   /s/ Peter C. Aberg
                                    --------------------------------------------
                              Name: Peter C. Aberg
                              Its:  Vice President

                              GTCR Fund VIII, L.P.

                              By:   GTCR Partners VIII, L.P.
                              Its:  General Partner

                              By:   GTCR Golder Rauner II, L.L.C.
                              Its:  General Partner

                              By:   /s/ David A. Donnini
                                    --------------------------------------------
                              Name: David A. Donnini
                              Its:  Principal

                 SIGNATURE PAGE TO REGISTRATION RIGHTS AGREEMENT

<PAGE>

                              GTCR Fund VIII/B, L.P.

                              By:   GTCR Partners VIII, L.P.
                              Its:  General Partner

                              By:   GTCR Golder Rauner II, L.L.C.
                              Its:  General Partner

                              By:   /s/ David A. Donnini
                                    --------------------------------------------
                              Name: David A. Donnini
                              Its:  Principal

                              GTCR CO-INVEST II, L.P.

                              By:   GTCR Golder Rauner II, L.L.C.
                              Its:  General Partner

                              By:   /s/ David A. Donnini
                                    --------------------------------------------
                              Name: David A. Donnini
                              Its:  Principal

                              HUNTER'S GLEN/FORD LTD.

                              By:   /s/ Gerald J. Ford
                                    --------------------------------------------
                              Name: Gerald J. Ford
                              Its:  General Partner

                                    /s/ James M. Landy
                                    --------------------------------------------
                                    James M. Landy

                 SIGNATURE PAGE TO REGISTRATION RIGHTS AGREEMENT

<PAGE>

                               SCHEDULE OF HOLDERS

INVESTORS

GS Capital Partners 2000, L.P.
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: John Bowman
Tel: 212-902-0353
Fax: 212-357-5505

GS Capital Partners 2000 Employee Fund, L.P.
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: John Bowman
Tel: 212-902-0353
Fax: 212-357-5505

GS Capital Partners 2000 Offshore, L.P.
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: John Bowman
Tel: 212-902-0353
Fax: 212-357-5505

Goldman Sachs Direct Investment Fund 2000, L.P.
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: John Bowman
Tel: 212-902-0353
Fax: 212-357-5505

GS Capital Partners 2000 GmbH & Co. Beteilgungs KG
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: John Bowman
Tel: 212-902-0353
Fax: 212-357-5505

<PAGE>

MTGLQ Investors, L.P.
c/o Goldman, Sachs & Co.
85 Broad Street, 10th Floor
New York, NY 10004
Attention: Peter Aberg
Tel: 212-902-8548
Fax: 212-902-3000

GTCR Fund VIII, L.P.
c/o GTCR Golder Rauner, L.L.C.
6100 Sears Tower
Chicago, IL 60606-6402
Attention: David Donnini

GTCR Fund VIII/B, L.P.
c/o GTCR Golder Rauner, L.L.C.
6100 Sears Tower
Chicago, IL 60606-6402
Attention: David Donnini

GTCR Co-Invest II, L.P.
c/o GTCR Golder Rauner, L.L.C.
6100 Sears Tower
Chicago, IL 60606-6402
Attention: David Donnini

Hunter's Glen/Ford Ltd.
200 Crescent Court
Dallas, TX 75201
Attention: Gerald J. Ford

EXECUTIVES

James M. Landy
7711 Center Avenue
Suite 100
Huntington Beach, CA 92647

OTHER STOCKHOLDERS

None<PAGE>

                                                                    EXHIBIT 10.8

                             STOCKHOLDERS AGREEMENT

            THIS STOCKHOLDERS AGREEMENT (this "Agreement") is made as of April
29, 2005 by and among (i) Triad Holdings Inc., a Delaware corporation (the
"Company"), (ii) Triad Holdings, LLC, a Delaware limited liability company (the
"LLC"), (iii) James M. Landy ("Landy") and any other executive employee of the
Company or its Subsidiaries who, at any time, acquires securities of the Company
in accordance with Section 10 hereof and executes a counterpart of this
Agreement or otherwise agrees to be bound by this Agreement (each, an
"Executive" and collectively, the "Executives"), and (iv) each of the other
Persons set forth from time to time on the attached Schedule of Stockholders
under the heading "Other Stockholders" who, at any time, acquires securities of
the Company in accordance with Section 9 or 10 hereof and executes a counterpart
of this Agreement or otherwise agrees to be bound by this Agreement. The LLC,
the Executives and the other Persons listed on the Schedule of Stockholders are
collectively referred to herein as the "Stockholders" and individually as a
"Stockholder." Capitalized terms used but not otherwise defined herein are
defined in Section 8 hereof.

            WHEREAS, the Company is a Subsidiary of the LLC.

            WHEREAS, Goldman, GTCR and HGF (collectively, the "Investors") and
the LLC are parties to a Unit Purchase Agreement of even date herewith (the
"Unit Purchase Agreement") pursuant to which the Investors will purchase equity
securities directly from the LLC and thereby acquire an indirect equity interest
in the Company. Pursuant to certain stock option agreements or other documents
between the Company and the Executives, the Executives may, from time to time,
purchase shares of the Company's Common Stock, par value $.01 per share (the
"Common Stock"); and

            WHEREAS, the Company and the Stockholders desire to enter into this
Agreement for the purposes, among others, of (i) limiting the manner and terms
by which shares of capital stock of the Company may be transferred, and (ii)
assuring continuity in the ownership of the Company. The execution and delivery
of this Agreement is a condition to the Investors' purchase of equity securities
pursuant to the Unit Purchase Agreement and certain provisions of this Agreement
are intended for the benefit of, and will be enforceable by, the Investors.

            NOW, THEREFORE, in consideration of the mutual covenants contained
herein and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties to this Agreement hereby agree as
follows:

            1. Board of Directors.

                  (a) Number and Designation. From and after the Closing (as
defined in the Unit Purchase Agreement) and until the provisions of this Section
1 cease to be effective, each holder of Stockholder Shares shall vote all of
his, her or its Stockholder Shares and any other voting securities of the
Company over which such holder has voting control and shall take all other
necessary or desirable actions within his control (whether in his capacity as a
stockholder, director, member of a board committee or officer of the Company or
otherwise, and including, without limitation, removal of Board members in
accordance with the terms of this

<PAGE>

Agreement, attendance at meetings in person or by proxy for purposes of
obtaining a quorum and execution of written consents in lieu of meetings), and
the Company shall take all necessary or desirable actions within its control
(including, without limitation, calling special board and stockholder meetings),
so that:

                  (i) the authorized number of directors on the Board shall be
      initially established at eleven (11), and thereafter adjusted to conform
      with the aggregate number of directors available for designation in
      accordance with this Section 1(a) below;

                  (ii) the following individuals shall be elected to the Board:

                        (A) three (3) representatives designated by Goldman, who
                  initially shall be Peter C. Aberg, Lance N. West and Stuart A.
                  Katz, so long as Goldman and its Affiliates continue to hold
                  at least 50% of the Common Units of the LLC purchased by
                  Goldman and its Affiliates under the Unit Purchase Agreement
                  (the "Goldman Common Units"), and thereafter, two (2)
                  representatives designated by Goldman so long as Goldman and
                  its Affiliates continue to hold at least 25% of the Goldman
                  Common Units, and thereafter, one (1) representative
                  designated by Goldman so long as Goldman and its Affiliates
                  hold at least one (1) Goldman Common Unit (collectively, the
                  "Goldman Directors"); provided that so long as GS Capital
                  Partners 2000, L.P. continues to hold at least one (1) Goldman
                  Unit, at least one Goldman Director shall be designated
                  exclusively by GS Capital Partners 2000, L.P.; provided
                  further that if Goldman and its Affiliates continue to hold at
                  least 50% of the Goldman Common Units and GTCR and its
                  Affiliates no longer hold any GTCR Common Units, then Goldman
                  shall have the right to designate one (1) additional
                  representative (for a total of four (4) representatives) so
                  long as Goldman and its Affiliates continue to hold at least
                  50% of the Goldman Common Units;

                        (B) three (3) representatives designated by GTCR
                  (provided that at least one such representative shall be
                  designated by GTCR Fund VIII, and at least one by GTCR Fund
                  VIII/B), which representatives initially shall be Philip A.
                  Canfield, David A. Donnini and David I. Trujillo, so long as
                  GTCR and its Affiliates continue to hold at least 50% of the
                  Common Units of the LLC purchased by GTCR and its Affiliates
                  under the Unit Purchase Agreement (the "GTCR Common Units"),
                  and thereafter, two (2) representatives designated by GTCR
                  (provided that at least one such representative shall be
                  designated by GTCR Fund VIII, and at least one by GTCR Fund
                  VIII/B) so long as GTCR and its Affiliates continue to hold at
                  least 25% of the GTCR Common Units, and thereafter, one (1)
                  representative designated by GTCR so long as GTCR and its
                  Affiliates hold at least one (1) GTCR Common Unit
                  (collectively, the "GTCR Directors"); provided that if GTCR
                  and its Affiliates continue to hold at least 50% of the GTCR
                  Common Units and Goldman and its Affiliates no longer hold any
                  Goldman Common Units, then GTCR shall

                                        2
<PAGE>

                  have the right to designate one (1) additional representative
                  (for a total of four (4) representatives) so long as GTCR and
                  its Affiliates continue to hold at least 50% of the GTCR
                  Common Units;

                        (C) three (3) representatives designated by HGF, who
                  initially shall be Donald J. Edwards, J. Randy Staff and Carl
                  B. Webb, so long as HGF and its Affiliates continue to hold at
                  least 50% of the Common Units of the LLC purchased by HGF and
                  its Affiliates under the Unit Purchase Agreement (the "HGF
                  Common Units"), and thereafter, two (2) representatives
                  designated by HGF so long as HGF and its Affiliates continue
                  to hold at least 25% of the HGF Common Units, and thereafter,
                  one (1) representative designated by HGF so long as HGF and
                  its Affiliates hold at least one (1) HGF Common Unit
                  (collectively, the "HGF Directors" and, together with the
                  Goldman Directors and the GTCR Directors, the "Investor
                  Directors");

                        (D) the LLC's chief executive officer, who shall
                  initially be Gerald J. Ford; and

                        (E) the Company's chief executive officer, who shall
                  initially be James M. Landy (the "Executive Director").

                  (iii) the removal, with or without cause, from the Board or
      any board of directors, or similar governing body, of any of the Company's
      Subsidiaries (each, a "Sub Board") of any Goldman Director, GTCR Director
      or HGF Director shall be upon (and only upon) the written request of the
      Persons entitled to designate such director to serve on such Board or Sub
      Board;

                  (iv) if any Investor becomes ineligible to designate a
      representative to fill a director position pursuant to the terms of
      subparagraph (ii)(A) through (C) above, or if any Investor fails to
      designate a representative to fill a directorship pursuant to the terms of
      this Section 1, then such director position shall remain vacant and such
      Investor shall promptly identify its designee(s) who, as a result, will be
      automatically removed from the Board;

                  (v) if any director elected pursuant to subparagraph (ii)(D)
      above ceases to be the chief executive officer of the LLC for any reason,
      he shall be removed as a director promptly after such cessation and he
      shall not be removed under any other circumstances;

                  (vi) if any director elected pursuant to subparagraph (ii)(E)
      above ceases to be the chief executive officer of the Company for any
      reason, he shall be removed as a director promptly after such cessation
      and he shall not be removed under any other circumstances; and

                  (vii) in the event that any representative under subparagraph
      (ii) for any reason ceases to serve as a member of the Board or Sub Board
      (other than as the result of an Investor becoming ineligible to designate
      one or more representatives to the Board or

                                       3
<PAGE>

      Sub Board pursuant to the terms of subparagraph (ii)), (A) the resulting
      vacancy on the Board or Sub Board shall be filled by a Person designated
      by the Investor originally entitled to designate such director pursuant to
      subparagraph (ii) above (provided that, if any party fails to designate a
      person to fill a vacancy on the Board or Sub Board pursuant to the terms
      of this subparagraph (vii), such vacant directorship shall remain vacant
      until such directorship is filled pursuant to this subparagraph (vii)),
      and (B) such designee shall be removed promptly after such time from each
      committee of the Board or Sub Board.

            (b) Subsidiary Boards. Each Sub Board shall be composed of such
directors or other Persons as determined from time to time by the Board. If each
of Goldman, GTCR and HGF have representatives on a Sub Board, then the Executive
Director shall also be a member of such Sub Board.

            (c) Committees. The Board may, from time to time, designate one or
more committees of the Board or any Sub Board. Each Investor that is entitled to
designate at least one (1) director to the Board pursuant to Section 1(a)(ii)
shall be entitled to designate at least one (1) of its designated directors to
each material committee of the Board, each Sub Board and any Sub Board's
material committees. Any such committee of the Board or Sub Board, to the extent
provided in an enabling resolution or in the articles of incorporation or bylaws
of the Company or similar governing documents of a Subsidiary, respectively,
shall have and may exercise all of the authority of the Board or Sub Board,
respectively. At every meeting of any such committee, the presence of a majority
of all the members thereof shall constitute a quorum, and the affirmative vote
of a majority of the members present shall be necessary for the adoption of any
resolution. The Board may dissolve any committee of the Board or any Sub Board
at any time, unless otherwise provided in the articles of incorporation or
bylaws of the Company or similar governing documents of any Subsidiary. In
addition, the Board may establish an audit committee to select the Company's and
any Subsidiary's independent accountants and to review the annual audit of the
Company's and its Subsidiaries' financial statements conducted by such
accountants.

            (d) Director Expenses. The Company shall pay the reasonable
out-of-pocket expenses incurred by each director in connection with attending
the meetings of the Board or any Sub Board and any committee thereof.

            (e) Termination. The provisions of this Section 1 will terminate
upon the first to occur of (i) the consummation of a Sale of the Company and
(ii) the consummation of a Qualified IPO.

            (f) Investor Directors. Whenever this Agreement calls for or refers
to the consent or approval of any matter by an Investor, such consent or
approval shall be deemed given by the Investor if each of such Investor's
designees on the Board has, in his capacity as a director of the Company, given
his consent or approval with respect to such matter at a duly convened meeting
of the Board or pursuant to an effective written consent of the Board, unless,
with respect to any given matter, such Investor notifies the Company in writing
that the consent or approval at the Board level by such Investor's designees on
the Board does not constitute the consent or approval by such Investor itself.

                                       4
<PAGE>

            2. Restrictions on Transfer.

            (a) Transfer of Stockholder Shares. No holder of Stockholder Shares
shall Transfer any interest in Stockholder Shares, without the prior written
consent of the LLC, except Transfers to a Permitted Transferee in accordance
with Section 2(b) or pursuant to Sections 3, 4 or 5 of this Agreement. In
addition, notwithstanding any other provision of this Agreement, prior to the
first anniversary of the Acquisition Closing, no holder of Stockholder Shares
shall Transfer any interest in any Stockholder Shares other than to a Control
Affiliate (as defined in the Acquisition Agreement) and in compliance with the
other provisions of this Agreement.

            (b) Permitted Transfers. The restrictions set forth in Section 2(a)
shall not apply to (i) any Transfer of Stockholder Shares by any Stockholder to
or among its Affiliates or Family Group, (ii) any Transfer of Stockholder Shares
to the LLC, or (iii) a repurchase of Stockholder Shares by the Company; provided
that the restrictions contained in this Agreement will continue to be applicable
to the Stockholder Shares after any Transfer pursuant to clause (i) above and
the transferee of such Stockholder Shares shall agree in writing to be bound by
the provisions of this Agreement. Upon the Transfer of Stockholder Shares
pursuant to clause (i) of the previous sentence, the transferees will deliver a
written notice to the Company, which notice will disclose in reasonable detail
the identity of such transferee. A transferee permitted pursuant to this Section
2(b) who receives a transfer of Stockholder Shares in accordance with this
Agreement shall be referred to herein as a "Permitted Transferee."

            (c) Termination of Restrictions. The restrictions on the Transfer of
Stockholder Shares set forth in this Section 2 shall continue with respect to
each Stockholder Share until the earlier of (i) the consummation of a Qualified
IPO or a Sale of the Company or (ii) the date on which such Stockholder Share
has been transferred in a Public Sale.

            3. Rights of First Offer.

            (a) Prior to making any Transfer of Stockholder Shares (other than a
Transfer in a Public Sale of type referred to in clause (i) of the definition
thereof or a Sale of the Company), any Stockholder desiring to make such
Transfer (the "Transferring Stockholder") will give written notice (the "Offer
Notice") to the Company and the other Stockholders (collectively, the "Other
Stockholders"). The Offer Notice will disclose in reasonable detail the number
of Stockholder Shares to be offered for sale and the terms and conditions of the
proposed sale. Such Transferring Stockholder will not consummate any Transfer
until 45 days after the Offer Notice has been given to the Other Stockholders,
unless the parties to the Transfer have been finally determined pursuant to this
Section 3 prior to the expiration of such 45-day period. (The date of the first
to occur of such events is referred to herein as the "Authorization Date".)

            (b) The Other Stockholders may elect to purchase all (but not less
than all) of the Stockholder Shares to be sold upon the same terms and
conditions as those set forth in the Offer Notice by giving written notice of
such election to such Transferring Stockholder within 25 days after the Offer
Notice has been given to the Other Stockholders. If more than one Other
Stockholder elects to purchase the Stockholder Shares to be transferred, the
Stockholder Shares to be sold shall be allocated among the electing Other
Stockholders pro rata according to the number of shares of such class of
Stockholders Securities owned by each electing Other

                                       5
<PAGE>

Stockholder on a Fully Diluted Basis. If the Other Stockholders do not elect to
purchase all of the Stockholder Shares specified in the Offer Notice, the
Transferring Stockholder may transfer the Stockholder Shares specified in the
Offer Notice at a price and on terms no more favorable to the transferee(s)
thereof than specified in the Offer Notice during the 90-day period immediately
following the Authorization Date. Any Stockholder Shares not Transferred within
such 90-day period will be subject to the provisions of this Section 3 upon
subsequent Transfer.

            (c) The restrictions of this Section 3 will not apply with respect
to Transfers to Permitted Transferees.

            (d) Notwithstanding anything herein to the contrary, except pursuant
to clause (c) above, in no event shall any Transfer of Stockholder Shares
pursuant to this Section 3 be made for any consideration other than cash payable
upon consummation of such Transfer.

            (e) The restrictions set forth in this Section 3 shall continue with
respect to each Stockholder Share until the earlier of (i) the date on which
such Stockholder Share has been transferred in a Public Sale, (ii) the
consummation of an Approved Sale, (iii) the consummation of a Qualified IPO,
(iv) the date on which such Stockholder Share has been transferred pursuant to
this Section 3 (other than pursuant to Section 3(c) and other than a transfer to
a Stockholder purchasing from a Transferring Stockholder pursuant to Section
3(b)).

            4. Participation Rights.

            (a) At least 30 days prior to any Transfer of shares of any class of
Stockholder Shares by the LLC, the LLC shall deliver a written notice (the
"Tag-Along Notice") to the Company and the other Stockholders (the "Tag-Along
Stockholders") specifying in reasonable detail the identity of the prospective
transferee(s) and the terms and conditions of the Transfer (which notice may be
included in and given at the same time as the Offer Notice under Section 3). The
Tag-Along Stockholders may elect to participate in the contemplated Transfer by
delivering written notice to the LLC within 30 days after delivery of the
Tag-Along Notice. The LLC and such Tag-Along Stockholders will be entitled to
sell in the contemplated Transfer, at the same price and on the same terms, a
number of shares of such class of Stockholder Shares proposed to be transferred
equal to the product of (A) the quotient determined by dividing the number of
shares of such class of Stockholder Shares owned by such Person on a
Fully-Diluted Basis by the aggregate number of outstanding shares of such class
of Stockholder Shares owned by the LLC and the Tag-Along Stockholders
participating in such sale on a Fully-Diluted Basis and (B) the number of shares
of such class of Stockholder Shares to be sold in the contemplated Transfer on a
Fully-Diluted Basis.

            (b) The LLC will use reasonable commercially reasonable efforts to
obtain the agreement of the prospective transferee(s) to the participation of
the Tag-Along Stockholders in any contemplated Transfer, and the LLC will not
transfer any of its Stockholder Shares to the prospective transferee(s) unless
(A) the prospective transferee(s) agrees to allow the participation of the
Tag-Along Stockholders electing to participate in such Transfer or (B) the LLC
agrees to purchase the number of such class of Stockholder Shares from the
Tag-Along Stockholders that the Tag-Along Stockholders electing to participate
in such Transfer that such Tag-Along Stockholders would have been entitled to
sell pursuant to this Section 4(b) for the consideration

                                       6
<PAGE>

per share to be paid to the LLC by the prospective transferee(s).
Notwithstanding anything in this Section 4 to the contrary, (i) if the LLC
intends to simultaneously Transfer a combination of more than one class of
Stockholder Shares and/or other debt or equity securities, and any Tag-Along
Stockholder holds or has the right to acquire both such classes of Stockholder
Shares and/or other debt or equity securities, such Tag-Along Stockholder may
only participate in such Transfer if such Tag-Along Stockholder Transfers all
such classes of Stockholder Shares and/or other debt or equity securities in
accordance with the formulae set forth in this Section 4 above and (ii) to the
extent Landy holds vested options to acquire Stockholder Shares which have a per
share exercise price less than the per share Transfer price, the LLC will use
commercially reasonable efforts to facilitate transfer of the Stockholder Shares
underlying such options, in lieu of requiring Landy to first exercise the option
and then transfer such Stockholder Shares and, in such event, Landy will receive
the difference between the per share Transfer price and the per share option
exercise price. This may be accomplished by enabling him simultaneously exercise
the option and sell such underlying Stockholder Shares, or otherwise.

            (c) If a Person who hold units of the LLC sells such units in a
transaction which gives rise to tag-along rights under Section 10.3 ("Section
10.3") of the Limited Liability Company Agreement of the LLC (the "LLC
Agreement"), a copy of which section is attached hereto as Exhibit B, then Landy
will be entitled to sell in the transfer under Section 10.3 an aggregate amount
of Stockholder Shares (including through the sale of options as described above)
equal in value to the value of Stockholder Shares (including options eligible
for sale) that would have been sold by Landy if the sale under Section 10.3 had
instead been a sale by the holder of LLC units of a portion of the Stockholders
Shares which had a value equal to the value of the LLC units being sold by such
LLC unitholder in the sale under Section 10.3. For example, if (i) the LLC owned
90% of the Company shares and Landy owned 10% of the Company shares, (ii) the
LLC unitholder offered to sell its entire interest in the LLC in a sale under
Section 10.3 which represented 40% of the aggregate value of the LLC units, such
sale of LLC units would be the economic equivalent of the sale of 36% of the
Company shares (.4 x .9=.36). In such event, Landy would be entitled to sell
3.6% of the Stockholder Shares (10% x 36%) and the selling LLC unitholder would
be entitled to sell units representing 32.4% of the underlying Stockholder
Shares (90% x 36%) or units equal to 32.4% of the value of the LLC units. The
Persons who are parties to the LLC Agreement agree not to permit Section 10.3 to
be amended in any manner which disproportionately disadvantages Stockholders who
are not holders of LLC units when compared to the disadvantage incurred by
Stockholders who are holders of LLC units.

            (d) The provisions of this Section 4 will terminate upon the first
to occur of (i) the consummation of a Sale of the Company and (ii) the
consummation of a Qualified IPO.

            5. Sale of the Company.

            (a) If the Board and the LLC approve a Sale of the Company (an
"Approved Sale"), each holder of Stockholder Shares shall vote for, consent to
and raise no objections against such Approved Sale. If the Approved Sale is
structured as a (i) merger or consolidation, each holder of Stockholder Shares
shall waive any dissenters' rights, appraisal rights or similar rights in
connection with such merger or consolidation or (ii) sale of Units, each holder
of Stockholder Shares shall agree to sell all of his, her or its Stockholder
Shares or rights to acquire

                                       7
<PAGE>

Stockholder Shares on the terms and conditions approved by the Board and the
LLC. Each holder of Stockholder Shares shall take all necessary or desirable
actions in connection with the consummation of the Approved Sale as requested by
the Company.

            (b) If either the Company or the holders of any class of Stockholder
Shares enter into a negotiation or transaction for which Rule 506 (or any
similar rule then in effect) promulgated by the Securities and Exchange
Commission may be available with respect to such negotiation or transaction
(including a merger, consolidation or other reorganization), the holders of
Stockholder Shares will, at the request of the Company, appoint a purchaser
representative (as such term is defined in Rule 501) reasonably acceptable to
the Company. If any holder of Stockholder Shares appoints a purchaser
representative designated by the Company, the Company will pay the fees of such
purchaser representative, but if any holder of Stockholder Shares declines to
appoint the purchaser representative designated by the Company such holder will
appoint another purchaser representative, and such holder will be responsible
for the fees of the purchaser representative so appointed.

            (c) Holders of Stockholder Shares will bear their pro rata share
(based upon the number of shares of Common Stock sold) of the costs of any sale
of such Stockholder Shares pursuant to an Approved Sale to the extent such costs
are incurred for the benefit of all holders of Stockholder Shares and are not
otherwise paid by the Company or the acquiring party. For purposes of this
Section 5(c), costs incurred in exercising reasonable efforts to take all
actions in connection with the consummation of an Approved Sale in accordance
with Section 5(a) shall be deemed to be for the benefit of all holders of
Stockholder Shares. Costs incurred by holders of Stockholder Shares on their own
behalf will not be considered costs of the transaction hereunder. Each
Stockholder transferring Stockholder Shares pursuant to an Approved Sale shall
be obligated, severally, not jointly, to join on a pro rata basis (based on the
number of shares of Common Stock to be sold) in any indemnification or other
obligations that are part of the terms and conditions of the Approved Sale
(other than any such obligations that relate specifically to a particular
Stockholder, such as indemnification with respect to representations and
warranties given by a Stockholder regarding such Stockholder's title to and
ownership of Stockholder Shares) (the "Company Indemnity Obligations").
Notwithstanding the foregoing, no Stockholder shall be obligated in connection
with any Approved Sale to agree to indemnify or hold harmless the transferees
with respect to Company Indemnity Obligations in an amount in excess of the net
proceeds paid to such Stockholder in connection with the Approved Sale.

            (d) In connection with an Approved Sale, each holder of Stockholder
Shares shall perform, to the extent reasonably required by the LLC, such
additional services as may be related to such Approved Sale (including, without
limitation, participating in and/or cooperating with any post-closing purchase
price adjustment or the defense and/or settlement of indemnification claims)
prior to and following the time of the consummation of such Approved Sale for no
additional consideration. In addition, any such holder of Stockholder Shares
shall, to the extent reasonably required by the LLC, have a portion of his, her
or its proceeds from the Approved Sale held-back, set-aside and/or escrowed as
security for such holders' obligations pursuant to this Section 5(d).

            (e) In order to secure each Stockholder's obligation to vote his or
its Stockholder Shares entitled to vote thereon and other voting securities of
the Company in

                                       8
<PAGE>

accordance with the provisions of this Section 5, each Stockholder (other than
the LLC) hereby appoints the LLC's chief executive officer (the "Proxy") as his
true and lawful proxy and attorney-in-fact, with full power of substitution, to
vote all of his Stockholder Shares and other voting securities of the Company
for the matters expressly provided for in this Section 5. The Proxy may exercise
the irrevocable proxy granted to him hereunder at any time any Stockholder
(other than the LLC) fails to comply with the provisions of this Section 5. The
proxies and powers granted by each Stockholder (other than the LLC) pursuant to
this Section 5(e) are coupled with an interest and are given to secure the
performance of such Stockholder's obligations under this Section 5. Such proxies
and powers shall be irrevocable and shall survive the death, incompetency,
disability or bankruptcy of such Stockholder and the subsequent holders of his
or its Stockholder Shares.

            (f) In the event of an Approved Sale, each Stockholder shall receive
in exchange for the Stockholder Shares held by such Stockholder the same portion
of the aggregate consideration from such sale or exchange that such Stockholder
would have received if such aggregate consideration had been distributed by the
Company pursuant in complete liquidation pursuant to the rights and preferences
set forth in the Company's certificate of incorporation as in effect immediately
prior to such sale or exchange. Each holder of Stockholder Shares shall take all
necessary or desirable actions in connection with the distribution of the
aggregate consideration from such sale or exchange as requested by the Company
in order to effectuate the provisions of this Section 5.

            6. Approval Rights.

            (a) Negative Covenants. The Company shall not, without the prior
written consent of the LLC:

                  (i) directly or indirectly declare or pay any dividends or
      make any distributions upon any of its equity securities;

                  (ii) enter into, or permit any Subsidiary to enter into, any
      joint venture or similar transaction;

                  (iii) enter into any agreement or arrangement that materially
      limits or otherwise restricts the Company or any of its Subsidiaries from
      engaging or competing in any material line of business or in any material
      geographic area;

                  (iv) enter into, or permit any Subsidiary to enter into, any
      transaction with any of its or any Subsidiary's officers, directors,
      members, employees or Affiliates or any individual related by blood,
      marriage or adoption to any such Person or any entity in which any such
      Person or individual owns a beneficial interest, except for normal
      employment arrangements and benefit programs on reasonable terms and
      except as otherwise expressly contemplated by this Agreement and the
      agreements contemplated hereby;

                  (v) directly or indirectly redeem, purchase or otherwise
      acquire, or permit any Subsidiary to redeem, purchase or otherwise
      acquire, any equity securities of the Company or any Subsidiaries
      (including, without limitation, warrants, options and

                                        9
<PAGE>

      other rights to acquire such equity securities), other than repurchases of
      common stock from employees of the Company or any Subsidiary upon
      termination of employment pursuant to contractual arrangements approved by
      the Board;

                  (vi) except as expressly contemplated by this Agreement,
      authorize, issue, sell or enter into any agreement providing for the
      issuance (contingent or otherwise), or permit any Subsidiary to authorize,
      issue, sell or enter into any agreement providing for the issuance
      (contingent or otherwise) of, (i) any notes or debt securities containing
      equity features (including, without limitation, any notes or debt
      securities convertible into or exchangeable for equity securities, issued
      in connection with the issuance of equity securities or containing profit
      participation features) or (ii) any class, series, shares or units of
      equity securities (or any securities convertible into or exchangeable for
      any equity securities) of the Company or any Subsidiaries or rights,
      warrants or options to acquire or any security convertible into any equity
      securities of the Company or any Subsidiaries, other than the issuance of
      equity securities by a Subsidiary to the Company or another Subsidiary and
      other than the issuance of equity securities pursuant to the Company's
      2005 Long-Term Incentive Plan as approved by the Board;

                  (vii) create, incur, assume, refinance or suffer to exist, or
      permit any Subsidiary to create, incur, assume, refinance or suffer to
      exist, third party Indebtedness exceeding an aggregate principal amount of
      $50,000,000 outstanding at any time on a consolidated basis (whether by
      way of authorizing, issuing or entering into any agreement providing for
      the issuance (contingent or otherwise) of, any notes or debt securities or
      entering into any contract or agreement regarding third party debt
      financing or otherwise), except for Indebtedness secured by receivables or
      financial assets (including, without limitation, Indebtedness incurred
      pursuant to the Warehouse Facilities, the Residual Facilities, the HFI
      Term Loan and the High Yield Debt); provided that entry into any agreement
      for the refinancing of more than $200,000,000 of such Indebtedness secured
      by receivables or financial assets shall require the prior written consent
      of the holders of the Required Interest;

                  (viii) merge or consolidate with any Person or permit any
      Subsidiary to merge or consolidate with any Person (other than a
      wholly-owned Subsidiary);

                  (ix) sell, lease or otherwise dispose of, or permit any
      Subsidiary to sell, lease or otherwise dispose of, more than 10% of the
      consolidated assets of the Company and its Subsidiaries (computed on the
      basis of book value, determined in accordance with United States generally
      accepted accounting principles consistently applied, or fair market value,
      determined by the Board in its reasonable good faith judgment) in any
      transaction or series of related transactions (other than sales of motor
      vehicle installment sales contracts and installment loans in the ordinary
      course of business);

                  (x) voluntarily initiate a liquidation, dissolution or winding
      up of the Company or any Subsidiary, or a recapitalization or
      reorganization of the Company or any Subsidiary in any form of transaction
      (including, without limitation, any reorganization into a corporation or a
      partnership), or permit the commencement of a

                                       10
<PAGE>

      proceeding for bankruptcy, insolvency, receivership or similar action with
      respect to the Company or any of its Subsidiaries;

                  (xi) change the corporate or organizational structure of the
      Company or any of its Subsidiaries;

                  (xii) acquire, or permit any Subsidiary to acquire, any
      interest in any business (whether by a purchase of assets, purchase of
      securities, merger or otherwise) involving aggregate consideration
      (including, without limitation, the assumption of liabilities) exceeding
      $35,000,000;

                  (xiii) acquire portfolios of securities (including auto loan
      portfolios) for aggregate consideration of more than $100,000,000 in any
      transaction or series of related transactions;

                  (xiv) enter into the ownership, active management or operation
      of any business other than the ownership of the securities of its
      Subsidiaries or permit any Subsidiary to enter into the ownership, active
      management or operation of any business other than a business in the
      automobile loan industry;

                  (xv) become subject to, or permit any of its Subsidiaries to
      become subject to, any agreement or instrument that by its terms would
      (under any circumstances) restrict (A) the right of any Subsidiary to make
      loans or advances or pay dividends to, transfer property to, or repay any
      Indebtedness owed to, the Company or any Subsidiary or (B) the Company's
      right to perform the provisions of this Agreement and the agreements
      contemplated hereby;

                  (xvi) amend, alter or repeal, or permit the Company or any
      Subsidiary to amend, alter or repeal, by merger, consolidation,
      combination, reclassification or otherwise, the certificate of
      incorporation or bylaws of the Company or any of its Subsidiaries;

                  (xvii) except as expressly contemplated by this Agreement,
      make any amendment to the Company's certificate of incorporation;

                  (xviii) terminate the employment of, appoint or hire, or enter
      into, amend or modify any employment agreement or arrangement with, the
      Chief Executive Officer of the Company, other than a termination of
      employment and/or modification to such agreement or arrangement that does
      not materially change the severance or other terms of such agreement or
      arrangement;

                  (xix) settle or compromise any pending or threatened suit,
      action or claim of the Company or any of its Subsidiaries in excess of
      $5,000,000;

                  (xx) appoint or remove the independent auditor of the Company
      or any of its Subsidiaries;

                                       11
<PAGE>

                  (xxi) approve the annual budget (and significant variances
      from the budget) of the Company and its Subsidiaries;

                  (xxii) make, or permit any Subsidiary to make, any capital
      expenditures (including, without limitation, payments with respect to
      capitalized leases, as determined in accordance with generally accepted
      accounting principles consistently applied) exceeding an amount that is
      $1.0 million greater than the amount set forth in the then current annual
      budget approved pursuant to paragraph (xxi) above in the aggregate on a
      consolidated basis during any twelve-month period; or

                  (xxiii) make any material changes in the accounting policies
      of the Company or any of its Subsidiaries.

            (b) Other Covenants.

                  (i) The Company shall not, nor shall it permit any Subsidiary
      to, disclose any Person's name or identity as a direct or indirect
      investor in the Company in any press release or other public announcement
      or in any document or material filed with any governmental entity, without
      the prior written consent of the LLC, unless such disclosure is required
      by applicable law or governmental regulations or by order of a court of
      competent jurisdiction, in which case prior to making such disclosure the
      Company shall give written notice to the LLC describing in reasonable
      detail the proposed content of such disclosure and shall permit the LLC to
      review and comment upon the form and substance of such disclosure.

                  (ii) In connection with any transaction in which the Company
      is involved that is required to be reported under the Hart-Scott-Rodino
      Antitrust Improvements Act of 1976, as amended from time to time (the "HSR
      Act"), the Company shall prepare and file all documents with the Federal
      Trade Commission and the United States Department of Justice which may be
      required to comply with the HSR Act, and shall promptly furnish all
      materials thereafter requested by any of the regulatory agencies having
      jurisdiction over such filings, in connection with such transaction. The
      Company shall take all reasonable actions and shall file and use
      reasonable best efforts to have declared effective or approved all
      documents and notifications with any governmental or regulatory bodies, as
      may be necessary or may reasonably be requested under federal antitrust
      laws for the consummation of such transaction. Notwithstanding the
      foregoing, if any direct or indirect investor in the Company, rather than
      the Company, is required to make a filing under the HSR Act in connection
      with such a transaction, the Company will provide to such investor all
      necessary information for such filing, will facilitate such filing and
      will pay all fees and expenses associated with such filing.

            (c) Special Board Approval. The Company shall not, without specific
Board approval, enter into, or permit any Subsidiary to enter into, any
agreement or arrangement that provide for payments to or from the Company or any
Subsidiary in excess of $35,000,000 (other than securitization transactions in
the ordinary course of business).

                                       12
<PAGE>

            7. Legend. Each certificate evidencing Stockholder Shares and each
certificate issued in exchange for or upon the transfer of any Stockholder
Shares (if such securities remain Stockholder Shares as defined herein after
such transfer) shall be stamped or otherwise imprinted with a legend in
substantially the following form:

            "THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO A
            STOCKHOLDERS AGREEMENT DATED AS OF APRIL 29, 2005 AMONG THE ISSUER
            OF SUCH SECURITIES (THE "COMPANY") AND CERTAIN OF THE COMPANY'S
            STOCKHOLDERS. A COPY OF SUCH STOCKHOLDERS AGREEMENT WILL BE
            FURNISHED WITHOUT CHARGE BY THE COMPANY TO THE HOLDER HEREOF UPON
            WRITTEN REQUEST."

The Company shall imprint such legend on certificates evidencing Stockholder
Shares outstanding prior to the date hereof. The legend set forth above shall be
removed from the certificates evidencing any securities which cease to be
Stockholder Shares.

            8. Definitions.

            "Acquisition Agreement" means the Stock Purchase Agreement, dated as
of December 23 , 2004, by and among Fairlane Credit LLC, a Delaware limited
liability company, Ford Motor Credit Company, a Delaware corporation, the
Company and Triad Acquisition Corp., a Delaware corporation, pursuant to which
Triad Acquisition Corp. will acquire all of the outstanding stock of Triad
Financial Corporation, as amended or modified from time to time in accordance
with the terms thereof.

            "Acquisition Closing" means the closing of the transactions
contemplated by the Acquisition Agreement.

            "Affiliate" means, (i) with respect to any Person, any Person that
controls, is controlled by or is under common control with such Person or an
Affiliate of such Person, and (ii) with respect to any Investor, any general or
limited partner of such Investor, any employee or owner of any such partner, or
any other Person controlling, controlled by or under common control with such
Investor.

            "Board" means the Board of Directors of the Company.

            "Family Group" means a Person's spouse and descendants (whether
natural or adopted), and any trust, family limited partnership, limited
liability company or other entity wholly owned, directly or indirectly, by such
Person or such Person's spouse and/or descendants that is and remains solely for
the benefit of such Person and/or such Person's spouse and/or descendants and
any retirement plan for such Person.

            "Goldman" means GS Capital Partners 2000, L.P., a Delaware limited
partnership, GS Capital Partners 2000 Employee Fund, L.P., a Delaware limited
partnership, GS Capital Partners 2000 Offshore, L.P., a Cayman Islands exempted
limited partnership, Goldman Sachs Direct Investment Fund 2000, L.P., a Delaware
limited partnership, GS Capital Partners

                                       13
<PAGE>

2000 GmbH & Co. Beteilgungs KG, a German limited partnership, and MTGLQ
Investors, L.P., a Delaware limited partnership.

            "GTCR" means GTCR Fund VIII, L.P., GTCR Fund VIII/B, L.P. and GTCR
Co-Invest II, L.P., each of which is a Delaware limited partnership.

            "HFI Term Loan" means the note issued by Triad Financial Corporation
to Ford Motor Credit Company on the Initial Closing Date in the initial
aggregate principal amount of approximately $114.1 million and the HFI Note and
Security Agreement between Triad Financial Corporation and Ford Motor Credit
Company dated as of the Initial Closing Date referenced in such note, each as
amended or modified from time to time in accordance with the terms thereof.

            "HGF" means Hunter's Glen/Ford Ltd., a Texas limited partnership.

            "High Yield Debt" means the $150 million aggregate principal amount
of 11.125% Senior Notes due 2013 originally issued under the indenture dated as
of the Initial Closing Date, among the Purchaser, as issuer, and JPMorgan Chase
Bank, N.A., as trustee, as amended or modified from time to time in accordance
with the terms thereof.

            "Indebtedness" means at a particular time, without duplication, (i)
any indebtedness for borrowed money or issued in substitution for or exchange of
indebtedness for borrowed money, (ii) any indebtedness evidenced by any note,
bond, debenture or other debt security, (iii) any indebtedness for the deferred
purchase price of property or services with respect to which a Person is liable,
contingently or otherwise, as obligor or otherwise (other than trade payables
and other current liabilities incurred in the ordinary course of business, and
(iv) any commitment by which a Person assures a creditor against loss (including
contingent reimbursement obligations with respect to letters of credit).

            "on a Fully Diluted Basis" means all issued and outstanding shares
of any class and all shares of such class which could be obtained under any
vested options for which the option exercise price is less than the per share
price receivable pursuant to the subject Transfer.

            "Initial Closing Date" means April 29, 2005.

            "Investments" as applied to any Person means (i) any direct or
indirect purchase or other acquisition by such Person of any notes, obligations,
instruments, stock, securities or ownership interest (including partnership
interests and joint venture interests) of any other Person and (ii) any capital
contribution by such Person to any other Person.

            "Person" means an individual, a partnership, a limited liability
company, a corporation, an association, a joint stock company, a trust, a joint
venture, an unincorporated organization, an investment fund, any other business
entity and a governmental entity or any department, agency or political
subdivision thereof.

            "Public Offering" means the sale in an underwritten public offering
registered under the Securities Act of the equity securities of the Company (or
any successor thereto) approved by the Board.

                                       14
<PAGE>

            "Public Sale" means any sale of Stockholder Shares (i) to the public
pursuant to an offering registered under the Securities Act or (ii) to the
public through a broker, dealer or market maker pursuant to the provisions of
Rule 144 (other than Rule 144(k) prior to a Public Offering) adopted under the
Securities Act.

            "Qualified IPO" means an underwritten initial public offering of the
common stock of the Company with gross proceeds of at least $50.0 million in a
firm commitment underwriting.

            "Residual Facilities" means, collectively, (i) the Master Residual
Loan Agreement between Triad Financial Residual Special Purpose LLC, Goldman
Sachs Mortgage Company and JP Morgan Chase Bank, N.A. dated as of the Initial
Closing Date and (ii) the Master Residual Loan Agreement between Triad Financial
Residual Special Purpose LLC and Citigroup Global Markets Realty Corp. and JP
Morgan Chase Bank, N.A. dated as of the Initial Closing Date, each as amended or
modified from time to time in accordance with the terms thereof.

            "Sale of the Company" means any transaction or series of
transactions pursuant to which any Person or group of related Persons (other
than the Investors and their Affiliates) in the aggregate acquire(s) (i) equity
securities of the Company possessing the voting power (other than voting rights
accruing only in the event of a default or breach) to elect a majority of the
Company's board of directors (whether by merger, liquidation, consolidation,
reorganization, combination, sale or transfer of the Company's equity
securities, stockholder or voting agreement, proxy, power of attorney or
otherwise) or (ii) all or substantially all of the Company's assets determined
on a consolidated basis; provided that a Public Offering shall not constitute a
Sale of the Company.

            "Securities Act" means the Securities Act of 1933, as amended from
time to time.

            "Stockholder Shares" means (i) any of the Company's Common Stock
purchased or otherwise acquired by any Stockholder, (ii) any equity securities
issued or issuable directly or indirectly with respect to the Stockholder Shares
referred to in clause (i) above by way of share dividend or share split or in
connection with a combination of shares, recapitalization, merger, consolidation
or other reorganization, and (iii) any other shares of any class or series of
equity securities of the Company held by a Stockholder. As to any particular
equity securities constituting Stockholder Shares, such Stockholder Shares will
cease to be Stockholder Shares when they have been (x) effectively registered
under the Securities Act and disposed of in accordance with the registration
statement covering them or (y) sold to the public through a broker, dealer or
market maker pursuant to Rule 144 (or any similar provision then in force) under
the Securities Act.

            "Subsidiary" means, with respect to any Person, any corporation,
limited liability company, partnership, association, or business entity of which
(i) if a corporation, a majority of the total voting power of shares of stock
entitled (without regard to the occurrence of any contingency) to vote in the
election of directors, managers, or trustees thereof is at the time owned or
controlled, directly or indirectly, by that Person or one or more of the other
Subsidiaries of that Person or a combination thereof, or (ii) if a limited
liability company, partnership, association, or other business entity (other
than a corporation), a majority of

                                       15
<PAGE>

partnership or other similar ownership interest thereof is at the time owned or
controlled, directly or indirectly, by that Person or one or more Subsidiaries
of that Person or a combination thereof. For purposes hereof, a Person or
Persons shall be deemed to have a majority ownership interest in a limited
liability company, partnership, association, or other business entity (other
than a corporation) if such Person or Persons shall be allocated a majority of
limited liability company, partnership, association, or other business entity
gains or losses or shall be or control any managing director or general partner
of such limited liability company, partnership, association, or other business
entity. For purposes hereof, references to a "Subsidiary" of any Person shall be
given effect only at such times that such Person has one or more Subsidiaries,
and, unless otherwise indicated, the term "Subsidiary" refers to a Subsidiary of
the Company.

            "Transfer" means to sell, transfer, assign, pledge or otherwise
dispose of (whether with or without consideration and whether voluntarily or
involuntarily or by operation of law, including, without limitation, transfers
in connection with death, divorce or bankruptcy), but explicitly excluding
exchanges of one class of Stockholder Shares to or for another class of
Stockholder Shares.

            "Warehouse Facilities" means, collectively, (i) the Warehouse
Lending Agreement among Triad Financial Corporation, as originator and servicer,
Triad Financial Warehouse Special Purpose LLC, as borrower, and Goldman Sachs
Mortgage Company, as lender, dated as of the Initial Closing Date and (ii) the
Warehouse Lending Agreement among Triad Financial Corporation, as originator and
servicer, Triad Financial Warehouse Special Purpose LLC, as borrower, and
Citigroup Global Markets Realty Corp., as lender, dated as of the Initial
Closing Date, each as amended or modified from time to time in accordance with
the terms thereof.

            9. Transfers; Transfers in Violation of Agreement. Prior to
Transferring any Stockholder Shares to any person or entity, the Transferring
Stockholder shall cause the prospective transferee to execute and deliver to the
Company, the LLC and the Other Stockholders a counterpart of this Agreement. Any
Transfer or attempted Transfer of any Stockholder Shares in violation of any
provision of this Agreement shall be void, and the Company shall not record such
Transfer on its books or treat any purported transferee of such Stockholder
Shares as the owner of such securities for any purpose.

            10. Additional Stockholders. In connection with the issuance of any
additional equity securities of the Company to any Person, the Company may
permit such Person to become a party to this Agreement and succeed to all of the
rights and obligations of a "Stockholder" under this Agreement by obtaining an
executed joinder to this Agreement, a form of which is attached hereto as
Exhibit A and, upon such execution, such Person shall for all purposes be a
"Stockholder" party to this Agreement.

            11. Representations and Warranties. Each Stockholder represents and
warrants that (i) this Agreement has been duly authorized, executed and
delivered by such Stockholder and constitutes the valid and binding obligation
of such Stockholder, enforceable in accordance with its terms, and (ii) such
Stockholder has not granted and is not a party to any proxy, voting trust or
other agreement that is inconsistent with, conflicts with or violates any
provision of this Agreement. No holder of Stockholder Shares shall grant any
proxy or become a

                                       16
<PAGE>

party to any voting trust or other agreement that is inconsistent with,
conflicts with or violates any provision of this Agreement.

            12. Amendment and Waiver. Except as otherwise provided herein, no
modification, amendment or waiver of any provision of this Agreement shall be
effective against the Company or the Stockholders unless such modification,
amendment or waiver is approved in writing by the Company, the LLC and the
holders of a majority of the Common Stock; provided that no such amendment or
modification that would adversely affect one class or group of holders of
Stockholder Shares in a manner different than any other class or group of
holders of Stockholder Shares shall be effective against such class or group of
holders of Stockholder Shares without the prior written consent of at least a
majority of such class or group adversely affected thereby. The failure of any
party to enforce any of the provisions of this Agreement shall in no way be
construed as a waiver of such provisions and shall not affect the right of such
party thereafter to enforce each and every provision of this Agreement in
accordance with its terms.

            13. Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Agreement is held to be invalid,
illegal or unenforceable in any respect under any applicable law or rule in any
jurisdiction, such invalidity, illegality or unenforceability shall not affect
any other provision or any other jurisdiction, but this Agreement shall be
reformed, construed and enforced in such jurisdiction as if such invalid,
illegal or unenforceable provision had never been contained herein.

            14. Entire Agreement. This Agreement, those documents expressly
referred to herein and other documents of even date herewith embody the complete
agreement and understanding among the parties hereto with respect to the subject
matter hereof and supersede and preempt any prior understandings, agreements or
representations by or among the parties, written or oral, which may have related
to the subject matter hereof in any way.

            15. Inconsistent Agreements Neither the Company nor any of its
Subsidiaries will hereafter enter into any agreement with respect to its
securities that is inconsistent with or violates the rights granted to
Stockholders in this Agreement without the prior written consent of the
Investors.

            16. Successors and Assigns. Except as otherwise provided herein,
this Agreement shall bind and inure to the benefit of and be enforceable by the
Company and its successors and assigns and the Stockholders and any subsequent
holders of Stockholder Shares and the respective successors and assigns of each
of them, so long as they hold Stockholder Shares, except that the rights of the
Investors to designate directors pursuant to Section 1(a) and any other rights
expressly vested solely in the initial Investors shall not be assignable without
the written consent of the holders of a majority of the Common Stock held by the
non-assigning stockholders.

            17. Counterparts. This Agreement may be executed in separate
counterparts (including by means of telecopied signature pages) each of which
shall be an original and all of which taken together shall constitute one and
the same agreement.

                                       17
<PAGE>

            18. Remedies. The Company and each Stockholder shall be entitled to
enforce their rights under this Agreement specifically to recover damages by
reason of any breach of any provision of this Agreement and to exercise all
other rights existing in their favor. The parties hereto agree and acknowledge
that money damages may not be an adequate remedy for any breach of the
provisions of this Agreement and that the Company and each Stockholder may in
its sole discretion apply to any court of law or equity of competent
jurisdiction for specific performance and/or injunctive relief (without posting
a bond or other security) in order to enforce or prevent any violation of the
provisions of this Agreement.

            19. Notices. All notices, demands or other communications to be
given or delivered under or by reason of the provisions of this Agreement shall
be in writing and shall be deemed to have been given when (i) delivered
personally to the recipient, (ii) sent to the recipient by reputable express
courier service (charges prepaid), (iii) mailed to the recipient by certified or
registered mail, return receipt requested and postage prepaid, or (iv)
telecopied to the recipient (with hard copy sent to the recipient by reputable
overnight courier service (charges prepaid) that same day) if telecopied before
5:00 p.m. Chicago, Illinois time on a business day, and otherwise on the next
business day. Such notices, demands and other communications shall be sent to
the to the Company at the addresses indicated below and to any other recipient
at the address indicated on the schedules hereto and to any subsequent holder of
Stockholder Shares subject to this Agreement at such address as indicated by the
Company's records, or at such address or to the attention of such other Person
as the recipient party has specified by prior written notice to the sending
party:

            If to the Company:

                  Triad Holdings Inc.
                  7711 Center Avenue
                  Huntington Beach, CA 92647
                  Attention: Chief Executive Officer
                  Telephone: (714) 373-8300
                  Facsimile: ____________________

                  with copies to:

                  Triad Holdings, LLC
                  200 Crescent Court, Suite 1350
                  Dallas, TX 75201
                  Attention: Chief Executive Officer
                  Telephone: (214) 871-5131
                  Facsimile: (214) 871-5199

            20. Governing Law. The Delaware General Corporation Law shall govern
all issues concerning the relative rights of the Company and its stockholders.
All other questions concerning the construction, validity and interpretation of
this Agreement and the exhibits and schedules hereto shall be governed by and
construed in accordance with the internal laws of the State of Delaware, without
giving effect to any choice of law or other conflict of law provision or

                                       18
<PAGE>

rule (whether of the State of Delaware or any other jurisdiction) that would
cause the application of the laws of any jurisdiction other than the State of
Delaware.

            21. MUTUAL WAIVER OF JURY TRIAL. BECAUSE DISPUTES ARISING IN
CONNECTION WITH COMPLEX TRANSACTIONS ARE MOST QUICKLY AND ECONOMICALLY RESOLVED
BY AN EXPERIENCED AND EXPERT PERSON AND THE PARTIES WISH APPLICABLE STATE AND
FEDERAL LAWS TO APPLY (RATHER THAN ARBITRATION RULES), THE PARTIES DESIRE THAT
THEIR DISPUTES BE RESOLVED BY A JUDGE APPLYING SUCH APPLICABLE LAWS. THEREFORE,
TO ACHIEVE THE BEST COMBINATION OF THE BENEFITS OF THE JUDICIAL SYSTEM AND OF
ARBITRATION, EACH PARTY TO THIS AGREEMENT HEREBY WAIVES ALL RIGHTS TO TRIAL BY
JURY IN ANY ACTION, SUIT, OR PROCEEDING BROUGHT TO RESOLVE ANY DISPUTE BETWEEN
OR AMONG ANY OF THE PARTIES HERETO, WHETHER ARISING IN CONTRACT, TORT, OR
OTHERWISE, ARISING OUT OF, CONNECTED WITH, RELATED OR INCIDENTAL TO THIS
AGREEMENT AND/OR THE TRANSACTIONS CONTEMPLATED HEREBY.

            22. Descriptive Headings; Interpretation. The descriptive headings
of this Agreement are inserted for convenience only and do not constitute a
substantive part of this Agreement. Whenever required by the context, any
pronoun used in this Agreement shall include the corresponding masculine,
feminine, or neuter forms, and the singular form of nouns, pronouns, and verbs
shall include the plural and vice versa. The use of the word "including" in this
Agreement shall be, in each case, by way of example and without limitation. The
use of the words "or," "either," and "any" shall not be exclusive. Reference to
any agreement, document, or instrument means such agreement, document, or
instrument as amended or otherwise modified from time to time in accordance with
the terms thereof, and, if applicable, hereof.

            23. No Strict Construction. The parties hereto have participated
jointly in the negotiation and drafting of this Agreement. In the event an
ambiguity or question of intent or interpretation arises, this Agreement shall
be construed as if drafted jointly by the parties hereto, and no presumption or
burden of proof shall arise favoring or disfavoring any party by virtue of the
authorship of any of the provisions of this Agreement.

            24. Delivery by Facsimile. This Agreement, the agreements referred
to herein, and each other agreement or instrument entered into in connection
herewith or therewith or contemplated hereby or thereby, and any amendments
hereto or thereto, to the extent signed and delivered by means of a facsimile
machine, shall be treated in all manner and respects as an original agreement or
instrument and shall be considered to have the same binding legal effect as if
it were the original signed version thereof delivered in person. At the request
of any party hereto or to any such agreement or instrument, each other party
hereto or thereto shall reexecute original forms thereof and deliver them to all
other parties. No party hereto or to any such agreement or instrument shall
raise the use of a facsimile machine to deliver a signature or the fact that any
signature or agreement or instrument was transmitted or communicated through the
use of a facsimile machine as a defense to the formation or enforceability of a
contract and each such party forever waives any such defense.

                                    * * * * *

                                       19
<PAGE>

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

                                    TRIAD HOLDINGS INC.

                                    By:   /s/ J. Randy Staff
                                          ------------------------------------
                                    Name: J. Randy Staff
                                    Its:  CEO

                                    TRIAD HOLDINGS, LLC

                                    By:   /s/ Gerald J. Ford
                                          ------------------------------------
                                    Name: Gerald J. Ford
                                    Its:  CEO

                                    GS CAPITAL PARTNERS 2000, L.P.

                                    By:   GS Advisors 2000, L.L.C.
                                    Its:  General Partner

                                    By:   /s/ Stuart A. Katz
                                          ------------------------------------
                                    Name: Stuart A. Katz
                                    Its:  Vice President

                                    GS CAPITAL PARTNERS 2000 EMPLOYEE FUND, L.P.

                                    By:   GS Employee Funds 2000 GP, L.L.C.
                                    Its:  General Partner

                                    By:   /s/ Stuart A. Katz
                                          ------------------------------------
                                    Name: Stuart A. Katz
                                    Its:  Vice President

                    SIGNATURE PAGE TO STOCKHOLDERS AGREEMENT

<PAGE>

                             GS CAPITAL PARTNERS 2000 OFFSHORE, L.P.

                             By:   GS Advisors 2000, L.L.C.
                             Its:  General Partner

                             By:   /s/ Stuart A. Katz
                                   ---------------------------------------------
                             Name: Stuart A. Katz
                             Its:  Vice President

                             GOLDMAN SACHS DIRECT INVESTMENT FUND 2000, L.P.

                             By:   GS Employee Funds 2000 GP, L.L.C.
                             Its:  General Partner

                             By:   /s/ Stuart A. Katz
                                   ---------------------------------------------
                             Name: Stuart A. Katz
                             Its:  Vice President

                             GS CAPITAL PARTNERS 2000 GmbH & CO. BETEILGUNGS KG

                             By:   Goldman Sachs Management GP GmbH
                             Its:  General Partner

                             By:   /s/ Stuart A. Katz
                                   ---------------------------------------------
                             Name: Stuart A. Katz
                             Its:  Vice President

                             MTGLQ INVESTORS, L.P.

                             By:   MLQ L.L.C.
                             Its:  General Partner

                             By:   /s/ Peter C. Aberg
                                   ---------------------------------------------
                             Name: Peter C. Aberg
                             Its:  Vice President

                    SIGNATURE PAGE TO STOCKHOLDERS AGREEMENT
<PAGE>

                             GTCR FUND VIII, L.P.

                             By:   GTCR Partners VIII, L.P.
                             Its:  General Partner

                             By:   GTCR Golder Rauner II, L.L.C.
                             Its:  General Partner

                             By:   /s/ David A. Donnini
                                   ---------------------------------------------
                             Name: David A. Donnini
                             Its:  Principal

                             GTCR FUND VIII/B, L.P.

                             By:   GTCR Partners VIII, L.P.
                             Its:  General Partner

                             By:   GTCR Golder Rauner II, L.L.C.
                             Its:  General Partner

                             By:   /s/ David A. Donnini
                                   ---------------------------------------------
                             Name: David A. Donnini
                             Its:  Principal

                             GTCR CO-INVEST II, L.P.

                             By:   GTCR Golder Rauner II, L.L.C.
                             Its:  General Partner

                             By:   /s/ David A. Donnini
                                   ---------------------------------------------
                             Name: David A. Donnini
                             Its:  Principal

                             HUNTER'S GLEN/FORD LTD.

                             By:   /s/ Gerald J. Ford
                                   ---------------------------------------------
                             Name: Gerald J. Ford
                             Its:  General Partner

                             /s/ James M. Landy
                             ---------------------------------------------------
                             James M. Landy

                    SIGNATURE PAGE TO STOCKHOLDERS AGREEMENT

<PAGE>

                            SCHEDULE OF STOCKHOLDERS

Triad Holdings, LLC
200 Crescent Court, Suite 1350
Dallas, TX 75201
Attention: Chief Executive Officer
Telephone: (214) 871-5131
Facsimile: (214) 871-5199

James M. Landy
7711 Center Avenue
Suite 100
Huntington Beach, California 92647

<PAGE>

                                                                       EXHIBIT A

                             STOCKHOLDERS AGREEMENT

                                     JOINDER

            The undersigned is executing and delivering this Joinder pursuant to
the Stockholders Agreement dated as of April 29, 2005 (as the same may hereafter
be amended, the "Stockholders Agreement"), among Triad Holdings Inc., a Delaware
corporation (the "Company"), Triad Holdings, LLC, a Delaware limited liability
company, and the other persons named as parties therein from time to time.

            By executing and delivering to the Company this Joinder, the
undersigned hereby agrees to become a party to, to be bound by, and to comply
with the provisions of the Stockholders Agreement as a Stockholder in the same
manner as if the undersigned were an original signatory to the Stockholders
Agreement.

            Accordingly, the undersigned has executed and delivered this Joinder
as of the ___ day of _______, 20__.

                                     [Stockholder]

                                     By:   _____________________________________
                                     Name: _____________________________________
                                     Its:  _____________________________________

<PAGE>

                                                                       EXHIBIT B

            Section 10.3. Tag-Along Rights.(a)At least 30 days prior to any
Transfer of any Units or other interests in the LLC (other than to a Permitted
Transferee) by one or more of the Unitholders (each, a "Transferring
Unitholder"), such Transferring Unitholders shall deliver a written notice (the
"Tag-Along Notice") to the LLC and the other Unitholders (the "Tag-Along
Unitholders") specifying in reasonable detail the identity of the prospective
transferee(s) and the terms and conditions of the Transfer (which notice may be
included in and given at the same time as the Offer Notice under Section
10.2(a)). The Tag-Along Unitholders may elect to participate in the contemplated
Transfer by delivering written notice to each of the Transferring Unitholders
within 30 days after delivery of the Tag-Along Notice. The Transferring
Unitholder and such Tag-Along Unitholders will be entitled to sell in the
contemplated Transfer, at the same price and on the same terms, a number of such
class of Units proposed to be transferred equal to the product of (A) the
quotient determined by dividing the number of units of such class of Units owned
by such Person by the aggregate number of outstanding units of such class of
Units owned by the Transferring Unitholder and each such Tag-Along Unitholder
participating in such sale and (B) the number of such class of Units to be sold
in the contemplated Transfer.

            (b) The Transferring Unitholder will use reasonable commercially
reasonable efforts to obtain the agreement of the prospective transferee(s) to
the participation of the Tag-Along Unitholders in any contemplated Transfer, and
the Transferring Unitholder will not transfer any of its Units to the
prospective transferee(s) unless (A) the prospective transferee(s) agrees to
allow the participation of the Tag-Along Unitholders or (B) the Transferring
Unitholder agree to purchase the number of such class of Units from the
Tag-Along Unitholders that the Tag-Along Unitholders would have been entitled to
sell pursuant to this Section 10.3(b) for the consideration per unit to be paid
to the Transferring Unitholder by the prospective transferee(s).

            (c) Notwithstanding the foregoing, the participants, amounts and
types of securities sold in any transfer hereunder will be adjusted to take
account of the rights of any holders of Triad Holdings Inc. securities pursuant
to Section 4(c) of the Stockholders Agreement of even date herewith between
Triad Holdings Inc. and certain of its stockholders.

            (d) The provisions of this Section 10.3 will terminate upon the
first to occur of (i) the consummation of a Sale of the Company and (ii) the
consummation of a Qualified IPO.

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