Document:

Exhibit 10.2

EXHIBIT 10.2

BUYING AGENCY AGREEMENT

    This Agreement is entered into this 31st day of August,
2001 between NINE WEST GROUP INC., (hereinafter referred to as
"Principal"), a corporation organized under the laws of the State of
Delaware, United States of America, having its principal place of business
located at 1129 Westchester Avenue, White Plains, New York, U.S.A. 10604-3529,
and BENTLEY HSTE FAR EAST SERVICES, LIMITED. (hereinafter referred to as
"Agent"), a Corporation having its principal place of business located
at 38 Esplanade, St. Helier. Jersey, Channel Islands J34 8QL

    WHEREAS, Principal is engaged in the purchase and
importation into the United States, the United Kingdom and Canada of leather
footwear (the "Products") which is manufactured in Peoples Republic of
China and other countries in Asia (the "Territory") for sale in the
United States, the United Kingdom and Canada; and

    WHEREAS, Principal acts as buying agent for its
Private Label Customers (the "Customers"); and

    WHEREAS, Agent has acted as a representative in the
Territory for interested parties in the United States, and Canada; and

    WHEREAS, the parties hereto are desirous of entering
into a written agreement which incorporates all understandings with regard to
the agency relationship between the parties;

    NOW THEREFORE, the parties hereto, intending to be
legally bound, hereby agree as follows:

SECTION I. AGENCY RELATIONSHIP

    1.1 Creation of the Agency. Principal hereby
appoints Agent, and Agent hereby agrees: (i) to act as a non-exclusive buying
agent for Principal in connection with Principal's purchases of the Products
from various manufacturers in the Territory; and (ii) to provide services to
Principal in connection with Principal's activities for Customers.

    1.2 Services to be Provided. Agent agrees to
provide assistance to Principal by contractually employing the services of
qualified personnel in the form of business entities, corporations, partnerships
and/or individuals, and by providing office and work facilities and all other
incidents necessary, in order to perform the following services on behalf of
Principal:

  (a) Agent shall assist Principal in locating sources for the manufacture of
  the Products, obtaining models, prototypes and samples (preliminary and
  manufacturing) from manufacturers or sellers in the Territory;

  (b) Agent shall use its best efforts to ensure that all factories
  manufacturing for, and/or conducting business with, Principal have
  acknowledged, signed and remain in full compliance with the Jones Apparel
  Group Standards for Contractors and Suppliers as updated from time to time
  (copy of current version attached as Exhibit A); and, notify Nine West Group
  of any violations or problems noted;

  (c) Agent shall assist in the negotiation of the most favorable prices for
  the Principal and its Customers. In this regard, Agent shall visit
  manufacturers or sellers designated by Principal, obtain samples of
  merchandise, and submit samples to Principal quoting prices at which the
  merchandise can be purchased;

  (d) Agent shall familiarize itself with Principal's needs and survey the
  potential markets to obtain the best available merchandise. Agent will advise
  Principal of new developments in the Territory which may be of interest to
  Principal and Customers;

  (e) Agent shall place orders with manufacturers or sellers on behalf of
  Principal and Customers. Agent shall act only upon the explicit and 

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  specific instructions of Principal and, in no case, shall Agent act without
  such explicit instructions;

  (f) Agent shall quote "f.o.b. Country of Origin" prices. Agent
  shall arrange for payment terms to the manufacturers or sellers pursuant to
  the explicit instructions of Principal;

  (g) Agent shall facilitate the preparation and acquisition of documentation
  necessary for the importation of the Products into the United States, the
  United Kingdom and Canada;

  (h) Agent shall visit manufacturers and/or sellers with whom the orders are
  placed in order to inspect the quality of the merchandise shipped for the
  account of Principal and its Customers. At the request of Principal, Agent
  shall provide periodic production progress reports to Principal. In the event
  that such merchandise does not conform to quality specifications, or any other
  requirement of the purchase order, Agent shall immediately notify Principal;

  (i) Agent shall use its best efforts to ensure that no manufacturer and/or
  seller with whom it places orders on behalf of Principal produces or sells
  goods which infringe or potentially infringe any trademark, service mark,
  patent, copyright or other proprietary right of the Principal. The Agent shall
  maintain records accounting for labels, trims, packing materials, hangtags,
  etc. bearing the Principal's trademarks, service marks, patents, etc. which
  have been supplied to the manufacturers and/or sellers and shall use its best
  efforts to ensure that the manufacturers and/or sellers do not misappropriate
  such labels, trim, etc., or merchandise bearing any such labels, trim packing
  materials, hangtags, etc.;

  (j) Agent shall assist Principal and Customers in the return of any
  merchandise deemed to be defective. In addition, Agent shall assist in the
  recovery of any monies due to Principal or its Customers from the manufacturer
  or seller as a result of defective merchandise, shortages, etc. Such action
  will be taken only after consultation with Principal;

  3

  

  (k) Agent shall provide manufacturer's or seller's invoices to
  Principal and Customers for each shipment handled by Agent;

  (l) Agent shall never act as a seller in any transaction involving
  Principal;

  (m) At the request of Principal, Agent shall maintain inventory records to
  keep track of any material or finished products which are in Agent's
  possession for the account of Principal and Customers and shall provide
  Principal with a monthly stock inventory report;

  (n) At the request of Principal, Agent shall arrange for consolidation of
  shipments and, at the direction of Principal, arrange for all inland freight,
  hauling, lighterage, insurance and/or storage. Moreover, Agent shall
  facilitate the acquisition of the documentation necessary for importation of
  Product into the United States, the United Kingdom and Canada;

  (o) Agent shall instruct manufacturers and/or sellers to prepare commercial
  invoices which properly describe the Product and materials from which it is
  made in English, list the price to be paid in U.S. currency; and meet all
  requirements of the United States Customs Laws and Regulations;

  (p) Agent shall provide inspection certificates for each shipment as
  required by Principal;

  (q) In the event merchandise is refused by Principal or any Customer or not
  shipped, Agent shall endeavor to prevent the manufacturer or seller from
  disposing of such merchandise without the removal of all labels, brand names
  or markings identifying Principal or such Customer;

  (r) Agent shall use its best efforts to ensure that Principal's and
  Customer's designs, styles, models, prototypes, approved sample, and
  specifications are observed in the manufacture of the Products;

  (s) Agent shall use its best efforts to ensure timely delivery of the
  Products;

  (t) Agent shall assist Principal in selectively distributing information
  among manufacturers or sellers in such manner as to ensure that no one
  manufacturer or seller is in a position to produce a full line of Products;

  4

  

  (u) Agent shall assist in the choice of the manufacturers or sellers most
  qualified for the carrying out of each order, it being understood that in the
  placing of substantial orders, preference is to be given to manufacturers and
  sellers affording exclusivity of exports to Principal as to the United States,
  United Kingdom and Canada;

  (v) Agent shall keep a file of all styles produced;

  (w) Agent shall maintain records which include the following:

  
	A listing of the styles, designs, models and prototypes provided to
      each manufacturer.
	A listing of samples.
	A listing of Products ordered from each manufacturer.

  
  and

  (x) Agent shall arrange for office space in Hong Kong and Guangdong,
  Shenzen, People's Republic of China for use by visiting personnel of
  Principal who require same in connection with their responsibilities in
  dealing with local manufacturing facilities.

    

        1.3 Limitations. Unless specifically authorized in writing by
    Principal, Agent shall not:

    
            (a) act in the name of Principal with third parties;

            (b) share any commission in any manner directly or indirectly
            with any manufacturer or seller with which Agent deals on behalf of
            Principal and Customers;

            (c) accept any payment, rebate, or other form of remuneration
            from any manufacturer or seller with which Agent deals on behalf of
            Principal and Customers;

            (d) give any release to any manufacturer or seller for any
            failure to deliver purchased goods, or for failure to deliver goods
            of the quantity and quality 

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             required, or for any other failure on
            the part of a manufacturer or seller, unless instructed by
            Principal;

            (e) for its own account, sell raw materials to any manufacturer
            or seller supplying merchandise purchased pursuant to this
            Agreement; or

            (f) assign its rights or delegate the performance of any of its
            duties under this Agreement.

    

    1.4 Related Parties. Principal acknowledges Agent's
relationship to Sunley Fashions SA, but Agent represents that it will not
share its commissions with, or solicit or accept remuneration from Sunley
Fashions SA in connection with the subject transactions.

    Agent further represents that its relationship with Sunley Fashions SA
shall not interfere with Agent's obligation to operate under the specific
direction and control, and in the best interests, of the Principal in all
matters relating to this Agreement.

    1.5 No Minimum or Maximum Purchase Restrictions. There shall be no
minimum purchase obligations imposed upon Principal and Customers and no limits
on the size of orders. Agent shall fulfill orders of any size coming from
Principal to the best of Agent's ability.

SECTION II. PAYMENT FOR FEES AND PURCHASES

    2.1 Fees. In consideration of the services performed under this
Agreement, Principal agrees to pay Agent a fee equal to ten percent (10%) of the
f.o.b. price of the merchandise which is ordered and shipped to Principal.

    Principal shall pay all commissions within twenty (20) days from the date of
the invoice for such commissions. The invoice for the commissions payable to
Agent shall be issued by Agent on a shipment-by-shipment basis or on a periodic
basis incorporating multiple shipments at Agent's discretion. The invoice
shall specify the factory name, the Nine West Group Inc. division/line,
description of merchandise, f.o.b. prices of the merchandise, total f.o.b. value
of the merchandise, commission rate, and commission payable. Agent shall attempt
to issue its commission invoice in a timely fashion so that Principal may
reasonably verify the information presented on such invoice.

    Where merchandise is determined to be defective by Principal, no commissions
will accrue and any commissions paid relating to that merchandise shall be
refunded by the Agent.

6

    2.2 Purchases. Principal and Customers shall make payment for the
cost of the merchandise purchased to this Agreement directly to the
manufacturer(s) or seller(s) based upon the f.o.b. prices set forth on the
seller's commercial invoice.

    2.3 Samples. In the event that Agent provides samples to Principal
or any Customer, Principal shall pay Agent for the cost of samples pursuant to
separate invoices and based upon price and payment terms agreed to by the
parties at the time of such sample purchases. The commercial invoices used to
import and make entry of sample shipments must reflect the total agreed-upon
price for the samples and no additional subsequent payments shall be made by
Principal for such samples.

    2.4 Fees Retained by Agent. None of the sums set forth above for
the Agent's compensation or reimbursement shall be paid, directly or
indirectly, to the manufacturer/seller or inure to the benefit of the
manufacturer/seller in any way. Furthermore, the Agent, its officers, directors
shareholders, and/or employees shall not solicit or accept any payment, rebate
or other form of compensation or remuneration from any manufacturer/ seller in
transactions involving the Principal.

    2.5 Agent's Costs. Agent shall pay all costs of conducting its
agency and all taxes, including assessments which may be made against the salary
or wages of those directly or indirectly employed by Agent.

    2.6 Other Costs. Principal shall reimburse Agent for all expenses
incurred on Principal's behalf for the cost of merchandise, inland freight,
hauling, lighterage, etc. Such expenses will be incurred only with the consent
of Principal. Agent will be separately reimbursed for these expenses only if the
parties have agreed to this method of payment before the expenses are incurred.
In addition, Principal will reimburse Agent for all material out-of-pocket
expenses incurred by Agent directly as a result of requests of Principal,
including (i) merchandise samples sent to Principal or retained in Agent's
office for Principal, and (ii) car service and hotel bills for employees of
Principal should such expenses be directly charged to Agent. Principal shall not
be required to reimburse Agent for Agent's normal overhead related expenses,
such as expenses for telephone, facsimile, duplicating, office supplies and
incidental meals.

7

    2.7 Agent's Invoice. The Agent shall provide the Principal with
a separate invoice for the payment of buying commissions and non-production
related expenses incurred on the Principal's behalf, such as inland freight,
hauling, lighterage, etc., in addition to manufacturer's or seller's
commercial invoices for the cost of merchandise.

    2.8 Representations. In executing this Agreement, the Agent
acknowledges that the Principal has no financial interest in the Agent and the
Agent further certifies: that it has no ownership or financial interest in, nor
any control of, the manufacturers supplying the merchandise purchased with the
assistance of the Agent; that it does not, for its own account, sell raw
materials to the manufacturers supplying such merchandise; and that the
manufacturers have no ownership or financial interest in, or any control over,
the Agent. In the event that any such interest or control is acquired, then the
Agent will immediately inform the Principal. Failure to do so will result in the
forfeiture of the Agent's commission on merchandise purchased from the related
or controlled manufacturers or sellers.

SECTION III. DISPUTE RESOLUTION

    3.1 Dispute Resolution. In the event of disputes between Principal
and any manufacturer(s) or seller(s) the following mechanism shall be used to
settle disputes:

            (a) known carton shortages shall be the responsibility of
            Principal, provided that proper bills of lading indicating transfer
            of ownership at the port of exportation are provided;

            (b) concealed shortages or overages less than 50 units shall be
            the responsibility of Principal. Net shortages and overages shall be
            accumulated and settled on a seasonal basis through the regular
            course of business;

            (c) concealed shortages or overages greater than 50 units shall
            be the responsibility of the specific manufacturer(s) or seller(s)
            and Agent, and shall be charged or credited back, as necessary,
            through the regular course of business;

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            (d) in the event that merchandise purchased by Agent on behalf of
            Principal does not conform in quality to the order placed, Agent
            shall notify Principal immediately and shall assist Principal in
            settling any controversy which may arise between Principal and any
            manufacturer or seller in the normal course of business.

SECTION IV. MISCELLANEOUS

    4.1 Term. This Agreement shall be effective August
31, 2001
and shall remain in force through December 31, 2006. Unless notice of intent not
to extend this Agreement is presented in writing by either the Principal or the
Agent on, or before, November 30 of each calendar year, the term of this
Agreement shall automatically be extended for one (1) year from the last day of
the then existing term. For example, (a) if neither party gives notice of
non-extension to the other party by November 30, 2001, then the term of this
Agreement will automatically be extended to December 31, 2007, and (b) if
neither party gives notice of non-extension to the other party by November 30,
2002, then the term of this Agreement will be automatically extended to December
31, 2008.

    All orders existing or pending at the time of termination will be executed in
accordance with the terms and conditions of the original purchase order(s).

    4.2 Trade Secrets. All confidential information made available to
either party by the other party hereto shall be kept confidential as a trade
secret by the recipient thereof and its officers, directors, and/or employees,
and such information shall not, without the prior written consent of Principal
or Agent, as the case may be, be divulged in any manner to any third party
except to the extent that the divulgence of such information shall become
necessary in any litigation concerning the provisions of this Agreement.

    4.3 Indemnification. Principal and Agent agree to hold each other
and each of their respective directors, officers, employees and agents
("Indemnified Parties") harmless from and against any loss, liability
or expense (including reasonable attorneys' fees and expenses) arising out of,
or resulting from, any acts performed by them outside of this Agreement which
may bind, obligate, or otherwise adversely affect Agent or Principal or any
other Indemnified Parties.

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    4.4 Governing Law. This Agreement shall be construed and enforced
in accordance with, and be governed by, the laws of the State of New York,
U.S.A. Any dispute arising from, or in connection with, this Agreement shall be
finally settled by three arbitrators appointed and proceeding in accordance with
the Rules of Conciliation and Arbitration of the American Arbitration
Association. The arbitration proceeding shall be held in New York and conducted
in English.

    4.5 Waivers. The failure at any time of any party of this
Agreement to require performance by another party of any action or
responsibility provided for in this Agreement shall in no way affect the full
right to require such performance at any time thereafter, nor shall the waiver
by any such party of a breach of any provision of this Agreement by another
party constitute a waiver of any succeeding breach of the same or any other
provision nor constitute a waiver of the action or responsibility itself.

    4.6 Modifications. No modification to the contents of this
Agreement shall be effective unless in writing and executed by both of the
parties.

    4.7 Entire Agreement. This Agreement (including the exhibit
hereto) sets forth the entire Agreement between Principal and Agent with respect
to matters relating to the agency created by this Agreement and there are no
understandings, representations, warranties or inducements except as set forth
herein. This Agreement may not be amended or cancelled or any of its terms
waived except by a written instrument signed by Principal and Agent. The failure of any party at
any time to require performance of any of the provisions hereof shall in no
manner affect the right of that party to enforce such performance.

    4.8 Notice. Any notice relating to the contents of this Agreement
may be personally served; or it may be sent by facsimile, registered mail or
special courier at the following addresses:

  	
        For Principal:    

      	
           NINE WEST GROUP INC.,

          1129 Westchester Avenue

          White Plains, New York, USA 10601-3529

          Attn: Ira M. Dansky

                  Executive Vice President and General
          Counsel

      

  

          
           10

  	
        For Agent:    

      	
           BENTLEY HSTE FAR EAST SERVICES, LIMITED

          P.O. BOX 148

          38 Esplanade, St. Helier

          Jersey, Channel Islands

          JE 4 8QL

      

  

           

    Any such notice shall be deemed given on the date when it is received by the
party to whom it is sent. Either party may change its address for notices by
notice in the manner set forth above.

    IN WITNESS WHEREOF, Principal and Agent have caused this Agreement to be
signed by their duly authorized officers the day and year first above written.

  
  		
                        
                        NINE WEST GROUP INC.

                        PRINCIPAL

                        
        By: /s/ Ira Dansky

        Executive Vice
                        President

        
                        BENTLEY HSTE FAR EAST SERVICES,

                        LIMITED AGENT
                        
        

                        By: /s/ Brian Frith

                        Title: Director

                        By: /s/ CG.Malet deCarteret

                        Title: Director

      

  

EXHIBIT A

Standards for Contractors and Suppliers

Jones Apparel Group, Inc. ("Jones") and its wholly
owned subsidiaries Nine West Group and Sun Apparel are committed to legal
compliance and ethical business practices in all of our operations worldwide. We
choose suppliers and contractors who we believe share that commitment. We
require our suppliers and contractors to comply with all applicable laws and
regulations of the country, or countries, in which they are conducting business.
Our standards are summarized as follows:

 Child Labor

Contractors and suppliers must not use child labor, defined
as workers under the age of 14, or higher if the country of manufacture requires
compulsory education beyond 14 years of age.

Wages/Benefits

Employees must be compensated for all hours worked, at rates
that meet the national minimum standards or local industry standards, whichever
is higher. Overtime must be compensated at legally mandated rates, or at a rate
at least equal to the regular hourly wage. Employees must be provided all
legally mandated benefits.

Working Hours/Day Off

On a regular basis, employees shall not be required to work
more than the lesser of 60 hours per week, including overtime, or the amount
specified by the applicable labor code. Workers shall have at least one day of
rest in every seven.

Health & Safety - Workplace and Housing

Health, safety and other workplace environment conditions
must meet all applicable laws and regulations, including those for worker
housing where provided.

Forced Labor

Our contractors and suppliers must not utilize forced labor,
prison labor or other compulsory labor, or purchase materials from suppliers
using forced labor, prison labor or other compulsory labor.

Discrimination

Contractors and suppliers must not discriminate against
employees or potential employees in employment practices, including hiring,
wages, benefits, advancement, disciplinary procedures, termination or
retirement, on the basis of gender, race, religion, age, disability,
nationality, political opinion, sexual orientation, ethnic origin, maternity or
marital status.

Environment

Contractors and suppliers must adhere to all applicable laws
regarding the protection and preservation of the environment.

Disciplinary Practices

Jones will not utilize contractors or suppliers who use
corporal punishment or any form of mental or physical coercion or harassment.

Freedom of Association

Employees should be free to join organizations of their own
choice. Employees should not be subject to intimidation or harassment in the
exercise of their right to join (or to refrain from joining) any organization.

Customs Compliance

Contractors and suppliers must respect all applicable laws
regarding the importation and trans-shipment of merchandise into the United
States

Subcontracting

Contractors and suppliers may not subcontract any operation
in the manufacturing process without prior written consent from Jones. Any
subcontractor must be able to meet the criteria set forth above.

Inspections: Record Keeping by
Contractor-Supplier/Verification by Jones

In order for Jones to monitor compliance with these
standards:

	
    Contractors and suppliers must permit representatives of
  Jones complete and free access to employees, the workplace and worker housing
  (where applicable); and

	
    Contractors and suppliers must keep and maintain thorough
  records of employment actions, hours worked, wages paid, charges to workers
  for housing and meals (where applicable), and other relevant records. All such
  records must be made available to representatives of Jones promptly upon
  request.

  I acknowledge that I have received the Jones Apparel Group,
Inc. Standards for Contractors and Suppliers, understand it, and am working to
reach full compliance, or am in full compliance, with the standards set forth
above.

_______________________________________

Factory Name

_______________________________________

Factory representative - Signature

_______________________________________

Factory representative (please print)

_______________________________________

Title

_______________________________________

Date

2<PAGE>

                                                                   Exhibit 10.24

                           FIFTH AMENDMENT TO AMENDED
                            AND RESTATED WAREHOUSING
                          CREDIT AND SECURITY AGREEMENT

        This Fifth Amendment to the Amended and Restated Warehousing Credit and
Security Agreement (this "Amendment"), is entered into effective as of the 31st
day of August, 2001 by and among MORTGAGE PORTFOLIO SERVICES, INC., a Delaware
corporation ("Company"), NAB ASSET CORPORATION ("Guarantor"), WASHINGTON MUTUAL
BANK, FA, a federal association, successor by merger to BANK UNITED, in its
capacity as one of the Lenders and Administrative Agent and Collateral Agent for
the Lenders ("Agent"), the lenders party to the Warehouse Agreement, as defined
below ("Lenders"), CENTEX FINANCIAL SERVICES, INC., a Nevada corporation
("Centex"), and CENTEX CORPORATION, a Nevada corporation.

        Section 1. Recitals. Company, Agent, and Lenders have entered into that
certain Amended and Restated Warehousing Credit and Security Agreement dated
August 28, 2000 (as amended on October 15, 2000, November 13, 2000, April 30,
2001, and May 21, 2001 the "Warehouse Agreement") for the purposes and
consideration therein expressed, pursuant to which Lenders have agreed to make
loans to Company as therein provided. Company, Guarantor, Centex, Centex
Corporation, Agent, and Lenders desire to amend the Warehouse Agreement to
extend the Termination Date of the Commitment and make such other modifications
as more particularly set forth herein. Therefore, Company, Guarantor, Centex,
Centex Corporation, Agent, and Lenders hereby agree as follows, intending to be
legally bound:

        Section 2. Definitions and References. Unless the context otherwise
requires or unless otherwise expressly defined herein, the terms in the
Warehouse Agreement shall have the same meanings whenever used in this
Amendment.

        Section 3. Amendments. The Warehouse Agreement is hereby amended, as
follows:

        (a) The following definition in Section 1.1 of the Warehouse Agreement
is hereby amended as follows:

               "Termination Date" shall mean the earlier to occur of (i)
        December 31, 2001, or (ii) the date which is two (2) Business Days
        following the Administrative Agent's receipt of Notice from Centex that
        the Stock Purchase Agreement has terminated or will terminate or (iii)
        such earlier date upon which Lenders' obligation to fund shall be
        terminated pursuant to the terms of this Agreement.

        Section 4. Representations and Other Agreements. (a) Company represents
and warrants that all of the representations and warranties contained in the
Warehouse Agreement and all instruments and documents executed pursuant thereto
or contemplated thereby are true and correct in all material respects on and as
of this date.

<PAGE>

        (b) Notwithstanding anything contained in the Warehouse Agreement, as
amended hereby, or in any other Loan Document to the contrary, Company agrees
that it shall not request or be entitled to receive any Advances on or after the
Termination Date.

        (c) The maturity date of each Lender's Note is hereby renewed and
extended to sixty (60) days following the Termination Date.

        Section 5. Severability. In the event any one or more provisions
contained in the Warehouse Agreement or this Amendment should be held to be
invalid, illegal or unenforceable in any respect, the validity, enforceability
and legality of the remaining provisions contained herein and therein shall not
be affected in any way or impaired thereby and shall be enforceable in
accordance with their respective terms.

        Section 6. Expenses. Company agrees to pay all out-of-pocket costs and
expenses (including reasonable attorney's fees and expenses) of the Agent and
the Lenders in connection with the preparation, operation, administration and
enforcement of this Amendment.

        Section 7. Ratification of Agreements. (a) Except as amended hereby,
Company ratifies and confirms that the Warehouse Agreement and all other Loan
Documents are and remain in full force and effect in accordance with their
respective terms and that all Collateral is unimpaired by this Amendment and
secures the payment and performance of all indebtedness and obligations of
Company under the Notes, the Warehouse Agreement, and all other Loan Documents,
as modified hereby.

        (b) Each of the undersigned officers of Company, Guarantor, Centex, and
Centex Corporation executing this Amendment represents and warrants that he has
full power and authority to execute and deliver this Amendment on behalf of the
party for whom he is executing this Amendment, that such execution and delivery
has been duly authorized by all necessary corporate action of such party, and
with respect to the Company and Guarantor, each of its respective officers
represents and warrants that the resolutions and affidavits previously delivered
to Agent, in connection with the execution and delivery of the Warehouse
Agreement, are and remain in full force and effect and have not been altered,
amended or repealed in anywise.

        (c) Any reference to the Warehouse Agreement in any Loan Document shall
be deemed to be references to the Warehouse Agreement as amended hereby.

        (d) Except as amended hereby, each of the Agent and the Lenders ratifies
and confirms that the Warehouse Agreement and all other Loan Documents are and
remain in full force and effect in accordance with their respective terms.

        (e) Each of the undersigned officers of the Agent and the Lenders
represents and warrants that he has full power and authority to execute and
deliver this Amendment on behalf of the party for whom he is executing this
Amendment and that such execution and delivery has been duly authorized.

        Section 8. No Waiver. Company agrees that no Event of Default and no
Default has been waived or remedied by the execution of this Amendment by Agent
and Lenders, and any

                                     Page 2
<PAGE>

such Default or Event of Default heretofore arising and currently continuing
shall continue after the execution and delivery hereof. Agent and Lenders
represent and warrant to Centex that they are not aware of any Default or Event
of Default that is existing as of the date hereof.

        Section 9. Governing Law. This Amendment shall be governed by and
construed in accordance with the laws of the State of Texas and, to the extent
applicable, by federal law.

        Section 10. Counterparts and Gender. This Amendment may be executed in
any number of counterparts and all of such counterparts taken together shall be
deemed to constitute one and the same instrument. Each gender used herein shall
include and apply to all genders, including the neuter.

        Section 11. Joinder of Guarantor, Centex and Centex Corporation. By
their execution hereof, Guarantor, Centex, and Centex Corporation each hereby
(i) acknowledges and consents to the terms, conditions and agreements contained
in this Amendment and (ii) ratifies and confirms its obligations under the Loan
Documents, including, without limitation, the Third Amendment to Amended and
Restated Warehousing Credit and Security Agreement dated April 30, 2001 among
the parties hereto and such obligations remain in full force and effect, subject
to no claims or offsets against, or defenses or counterclaims to such
obligations.

        Section 13. NO ORAL AGREEMENTS. THIS AMENDMENT AND THE OTHER LOAN
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR ORAL AGREEMENTS OF THE
PARTIES.

        THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

                            [Signature Pages Follow]

                                     Page 3
<PAGE>

        EXECUTED this 31st day of August, 2001.

                                        COMPANY:
                                        -------

                                        MORTGAGE PORTFOLIO SERVICES, INC.,
                                        a Delaware corporation

                                        By: /s/ James Hinton
                                            ------------------------------------
                                        JAMES E. HINTON, President

                                        NOTICE ADDRESS:
                                        --------------

                                        Mortgage Portfolio Services, Inc.
                                        4144 North Central Expressway, Suite 800
                                        Dallas, Texas 75204
                                        Attn:  James Hinton
                                        Facsimile: 214.821.7352
                                        Telephone: 972.341.8510

                                     Page 4
<PAGE>

                                        GUARANTOR:
                                        ---------

                                        NAB ASSET CORPORATION,
                                        a Texas corporation

                                        By: /s/ Alan Ferree
                                            ------------------------------------
                                        Name: Alan Ferree
                                        Title: Senior Vice-President

                                        NOTICE ADDRESS:
                                        ---------------

                                        NAB Asset Corporation
                                        4144 North Central Expressway, Suite 900
                                        Dallas, Texas  75204
                                        Attn: Alan Ferree
                                        Facsimile: 214.821.3689
                                        Telephone: 214.860.1882

                                     Page 5
<PAGE>

                                        WASHINGTON MUTUAL BANK, FA, a
                                        federal association, successor by
                                        merger to BANK UNITED, as
                                        Administrative Agent and Lender

                                        By: /s/ Patrick C. Freeman
                                            ------------------------------------
                                        PATRICK C. FREEMAN,
                                        Assistant Vice President
                                        Mortgage Banker Finance

                                        NOTICE ADDRESS:
                                        ---------------

                                        Washington Mutual Bank, FA
                                        3200 Southwest Freeway, Suite 2702
                                        Houston, Texas  77027
                                        Attn:  Sonya Faivre, Vice President
                                        Facsimile:  713.543.4292
                                        Telephone: 713.543.6343

                                     Page 6
<PAGE>

                                        RESIDENTIAL FUNDING CORPORATION,
                                        a Delaware corporation, as Lender

                                        By: /s/ Jim Clapp
                                            ------------------------------------
                                        Name:  Jim Clapp
                                        Title: Director

                                        NOTICE ADDRESS:
                                        ---------------

                                        Residential Funding Corporation
                                        4800 Montgomery Lane, Suite 300
                                        Bethesda, Maryland  20814
                                        Attn:  Thomas M. Clement
                                        Facsimile: 301.215.6288
                                        Telephone: 301.215.6239

                                     Page 7
<PAGE>

                                        CENTEX FINANCIAL SERVICES, INC.,
                                        a Nevada corporation

                                        By: /s/ Larry Brown
                                            ------------------------------------
                                        Name: Larry Brown
                                        Title: Asst. Treasurer

                                        NOTICE ADDRESS:
                                        ---------------

                                        Centex Financial Services, Inc.
                                        2828 N. Harwood
                                        Dallas, Texas  75201-1516
                                        Attn:  Jim Hillsman
                                        Facsimile: 214.758.7814
                                        Telephone: 214.981.7771

                                     Page 8
<PAGE>

                                        CENTEX CORPORATION,
                                        a Nevada corporation

                                        By: /s/ Leldon E. Echols
                                            ------------------------------------
                                        Name: Leldon E. Echols
                                        Title: EVP & CFO

                                        NOTICE ADDRESS:
                                        ---------------

                                        Centex Corporation
                                        2728 N. Harwood
                                        Dallas, Texas  75201-1516
                                        Attn:  Larry Angelilli
                                        Facsimile: 214.981.6858
                                        Telephone: 214.981.6505

                                     Page 9

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