Document:

Form of Lock-Up Agreement

 Exhibit 10.11 
  
 LOCK-UP AGREEMENT 
  
 December     , 2004 
  
 Friedman, Billings, Ramsey & Co., Inc. 
 1001 Nineteenth Street North, 18th Floor 
 Arlington, Virginia 22209 
  
 Ladies and Gentlemen: 
  
 The
undersigned understands and agrees as follows: 
  
 1. Friedman,
Billings, Ramsey & Co., Inc. (“FBR”) propose to enter into a Purchase/Placement Agreement (the “Purchase Agreement”) with People’s Choice Financial Corporation, a Maryland corporation (the
“Company”), and certain selling stockholder, providing for (a) the initial purchase by FBR of shares of the Company’s common stock, $0.01 par value per share, and the resale of such shares by FBR to certain eligible
purchasers, (b) the direct sale by the Company of shares of its common stock to certain accredited investors, and (c) an option for FBR to purchase or place additional shares of the Company’s common stock either for resale by FBR to
certain eligible purchasers or for direct sale by the Company to certain accredited investors (all of such shares of the Company’s common stock are collectively referred to as the “Shares” and the transactions referred to in (a),
(b) and (c) above are collectively referred to as the “Offering”), in each case, in transactions exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”).

  
 2. In connection with the Offering and pursuant to the terms
of a Registration Rights Agreement to be entered into in connection with the closing of the Offering, the Company has agreed to file with the Securities and Exchange Commission one or more registration statements providing for the resale of the
Shares under the Securities Act. 
  
 3. In recognition of the
benefit that the Offering will confer upon the undersigned and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged by the undersigned, the undersigned hereby agrees that, without the prior written
consent of FBR (which consent may be withheld or delayed in FBR’s sole discretion), he, she or it will, subject to certain rights described below, refrain during the period commencing on the date of the Purchase Agreement and ending on the date
that is the later of: (x) 180 days after the Closing Time (as defined in the Purchase Agreement); and (y) 90 days after the effective date of the Company’s shelf registration statement that provides for the resale of the Shares under
the Securities Act, from (i) offering, pledging, selling, contracting to sell, selling any option or contract to purchase, purchasing any option or contract to sell, granting any option, right or warrant for the sale of, lending or otherwise
disposing of or transferring, directly or indirectly, any equity securities of the Company, or any securities convertible into or exercisable or exchangeable for equity securities of the Company, or (ii) entering into any swap or other
arrangement that transfers to another, in whole or in part, directly or indirectly, any of the economic consequences of ownership of equity securities of the Company, whether any such transaction described in clause (i) or (ii) above is to
be settled by delivery of common stock of the Company or such other securities, in cash or otherwise. 

 Notwithstanding the foregoing, subject to applicable securities laws and the restrictions contained in
the Company’s charter, the undersigned may transfer any securities of the Company (including, without limitation, common stock) as follows: (i) as a bona fide gift or gifts, provided that the donee or donees thereof agree to be bound in
writing by the restrictions set forth herein; (ii) to any trust for the direct or indirect benefit of the undersigned or the immediate family of the undersigned, provided that the trustee of the trust agrees to be bound in writing by the
restrictions set forth herein; (iii) as a distribution to shareholders, partners or members of the undersigned, provided that such shareholders, partners or members agree to be bound in writing by the restrictions set forth herein;
(iv) any transfer required under any benefit plans or the Company’s charter; (v) as collateral for any loan, provided that the lender agrees in writing to be bound by the restrictions set forth in herein; (vi) with respect to
sales of securities acquired after the Closing Time (other than securities acquired from the Company or securities subject to restrictions similar to those set forth herein) or (vii) to an executor or heir in the event of the
death of the undersigned, provided that any such executor and heir agree to be bound in writing by the restrictions set forth herein; in addition, during the period, if any, between the 181st day after the Closing Time and the day immediately prior to the effective date of the Company’s shelf registration statement that provides for the resale
of the Shares under the Securities Act, subject to applicable securities laws and the restrictions contained in the Company’s charter, the undersigned (but not any donee, trustee, shareholder, partner or member, beneficiary, lender or other
permitted transferee of the undersigned pursuant to clauses (i), (ii), (iii), (v), (vi) and (vii) above collectively, “Permitted Transferees”) may, transfer (in addition to any transfer by the undersigned to any Permitted
Transferee) up to that number of shares of securities of the Company (including, without limitation, common stock) equal to one percent (1%) of the total number of shares of common stock of the Company outstanding immediately after the Closing
Time (subject to equitable adjustment in the event of a stock split or similar event). For purposes of this agreement, “immediate family” shall mean any relationship by blood, marriage or adoption, not more remote than first cousin.

  
 For the avoidance of doubt, nothing contained herein shall
prevent the undersigned from, or restrict the ability of the undersigned to, (i) purchase common stock or other securities of the Company or (ii) exercise any options or other convertible securities granted under any benefit plan of the
Company. 
  
 4. The undersigned acknowledges that FBR is relying
on the agreements of the undersigned set forth herein in making its decision to enter into the Purchase Agreement and to continue its efforts in connection with the Offering. 
  
 5. This Lock-Up Agreement shall be governed by and construed in accordance with the laws of the State of New York without
regard to principles of conflict of laws. 
  
 6. This Lock-Up
Agreement may be executed in one or more counterparts and delivered by facsimile, each of which shall be deemed to be an original but all of which shall constitute one and the same agreement. 
  
 [SIGNATURE PAGE FOLLOWS] 
  

 2 

 IN WITNESS WHEREOF, the undersigned has executed this Lock-Up Agreement, or caused this Lock-Up Agreement
to be executed, as of the date first written above. 
  

	
	 Very truly yours,

	
	
 Name:

	 Title:

	
	 
	
	 
	 (Address)

  
 [SIGNATURE PAGE
TO LOCK-UP AGREEMENT] 
  

 3Second Amendment to Amended and Restated Rights Agreement

 Exhibit 4.7 
 SECOND AMENDMENT TO 
 AMENDED AND RESTATED RIGHTS AGREEMENT 
 THIS SECOND AMENDMENT TO AMENDED AND RESTATED RIGHTS AGREEMENT (“Amendment”), dated as of May 11, 2006
(“Amendment Effective Date”), is between Gilead Sciences, Inc., a Delaware corporation (the “Company”), and Mellon Investor Services LLC, a New Jersey limited liability company (the “Rights
Agent”). 
 A. The Company previously entered into an Amended and Restated Rights Agreement, dated as of October 21, 1999,
with Mellon Investor Services LLC (formerly known as ChaseMellon Shareholder Services, L.L.C.), as Rights Agent, as amended (the “Rights Agreement”). 
 B. The Company now wishes to amend the Rights Agreement as further set forth herein. 
 Accordingly, in consideration of the premises and the mutual agreements herein set forth, the Rights Agreement is hereby amended as of the Amendment
Effective Date as follows: 
  

	1.	Paragraph (k) of Section 1 of the Rights Agreement is amended and restated to read in its entirety as follows: 

 (k) “PREFERRED SHARES” shall mean shares of Series A Junior Participating Preferred Stock, par value $.001 per share, of the Company having the
designations and the powers, preferences and rights, and the qualifications, limitations and restrictions set forth in the Certificate of Designation of Series A Junior Participating Preferred Stock of the Company originally filed with the Delaware
Secretary of State on November 30, 1994, as amended as of the date hereof and as may be amended or restated from time to time.” 
  

	2.	Except as amended pursuant to this Amendment, the Rights Agreement shall remain in force and effect in accordance with its terms. 

 IN WITNESS WHEREOF, the parties to this Amendment have caused this Amendment to be duly executed, all as of the day and year first above written.

  

			
	ATTEST:	 	GILEAD SCIENCES, INC.
		
	 /s/ Gregg H. Alton
	 	 /s/ John F. Milligan

	Gregg H. Alton	 	John F. Milligan
	Senior Vice President and General Counsel	 	Executive Vice President and Chief Financial Officer

  

							
	ATTEST:	 	MELLON INVESTOR SERVICES LLC
				
	By:	 	 /s/ Kerri S. Jones
	 	By:	 	 /s/ Sharon Magidson

	Name:	 	Kerri S. Jones	 	Name:	 	Sharon Magidson
	Title:	 	Assistant Vice President	 	Title:	 	Vice PresidentThird Addendum to Employment Agreement

 Exhibit 10.1 
 THIRD ADDENDUM TO EMPLOYMENT AGREEMENT 
 THIS THIRD ADDENDUM TO EMPLOYMENT AGREEMENT (the “Third
Addendum”) is made effective as of the 27th day of June, 2006, by and between Anworth Mortgage Asset Corporation, a Maryland corporation (“Anworth”), and Joseph Lloyd McAdams (the “Executive”). 
 W I T N E S S E T H : 
 WHEREAS, the
Executive and Anworth Mortgage Advisory Corporation (the “Company”) entered into an employment agreement dated January 1, 2002 (as amended to date, the “Agreement”). 
 WHEREAS, the Agreement was assumed by Anworth and the Executive, and the Company and Anworth entered into an addendum to such employment agreement dated
April 18, 2002 (the “Addendum”) and an addendum to such employment agreement dated May 28, 2004 (the “Second Addendum”). 
 WHEREAS, Anworth and the Executive desire to further modify the terms of the Executive’s employment under the Agreement. 
 NOW THEREFORE, the parties hereby covenant and agree as follows: 
 1. Effective Date. This
Third Addendum shall become effective on the date hereof. 
 2. Timing of Payments. 
 (a) Timing of Termination Payments. Notwithstanding anything to the contrary in the Agreement, Addendum or Second Addendum, to the
extent required to comply with Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”), if you are a “specified employee” for purposes of Section 409A(a)(2)(B) of the Code, you agree that any
payments to be made pursuant to Section 5 of the Agreement or any of Sections 8, 9 or 10 of the Addendum that are considered to be non-qualified deferred compensation distributable in connection with your separation from service for purposes of
Section 409A of the Code, and which otherwise would have been payable at any time during the six-month period immediately following such separation from service, shall not be paid prior to, and shall instead be payable in a lump sum as soon as
practicable following, the expiration of such six-month period. In light of the uncertainty surrounding the application of Section 409A of the Code, the Company cannot make any guarantee as to the treatment under Section 409A of the Code
of any payments made or benefits provided under the Agreement or the Addenda. 
 (b) Timing of Annual Bonus Payments.
Any discretionary or incentive bonus payable to the Executive with respect to services performed during any calendar year, whether pursuant to Section 4(b) of the Agreement, Section 7(b) of the Addendum or otherwise, shall be paid no later
than March 15 of the calendar year following the calendar year to which the bonus relates. 
 3. Base Salary Severance.
Section 9(a) of the Addendum is hereby deleted and replaced in its entirety with the following: 
 “(a)
Base Salary Severance. In lieu of any amounts to which the Executive is entitled to under Section 5(c)(iii) of the Agreement, the Executive shall instead be entitled to a lump sum payment equal to three times his Base
Salary.” 
 4. Incentive Compensation Severance. Section 9(b)(ii) of the Addendum is hereby deleted and
replaced in its entirety with the following: 
 “(ii) an amount equal to one hundred fifty percent (150%) of
the greater of (A) the highest amount paid or that could be payable (in the aggregate) under the 2002 Incentive Plan during any one of the three (3) fiscal years prior to the Termination Date, or (B) the highest amount paid
or that could be payable (in the aggregate) under the 2002 Incentive Plan during any one of the three (3) fiscal years following the Termination Date (the “Subsequent Payment Period”), assuming for purposes of this Addendum
that the 2002 Incentive Plan remains in full force and effect without modification during such Subsequent Payment Period. On the Termination Date, Anworth shall pay the Executive the amount set forth under subsection (A) above. On the
final day of the 

 
Subsequent Payment Period, Anworth shall pay the Executive the amount, if any, by which the amount set forth under subsection (B) above exceeds the
amount set forth under subsection (A) above, without regard to whether or not the time period set forth under subsection (A) above is shorter than the Subsequent Payment Period.” 
 5. Non-Compete. Section 11 of the Addendum is hereby deleted and replaced in its entirety with the following: 
 “11. Non-Compete. The Executive will not, without the prior written consent of Anworth, manage, operate,
control or be connected as a stockholder (other than as a holder of shares publicly traded on a stock exchange or the American Stock Exchange, the NASDAQ National Market System or the New York Stock Exchange, provided that the Executive shall not,
other than with respect to Anworth, own more than five percent of the outstanding shares of any publicly traded company) or partner with, or as an officer, director, employee or consultant of, any residential mortgage REIT for a period of one (1)
year following termination of his employment with Anworth. During such one (1) year period, the Executive shall not solicit any employees of the Company (other than employees who are members of the Executive’s immediate family) to work for any
person or entity the business of which is competitive with the business of Anworth. The Executive shall keep confidential all materials, files, reports, correspondence, records and other documents (“Anworth Materials”) used, prepared or
made available to him in connection with his employment by Anworth and which have not otherwise been made available to the public, and upon termination of his employment shall return such Anworth Materials to Anworth. The Executive acknowledges that
Anworth may seek injunctive relief or other specific enforcement of its rights under this Section 11. Notwithstanding the foregoing, upon the occurrence of a Change of Control of Anworth, the provisions of this Section 11 shall immediately terminate
and shall no longer be of any force or effect.” 
 6. Remaining Terms Unchanged. The parties agree that all terms
and conditions of the Agreement (as modified by the Addendum, the Second Addendum and this Third Addendum), including, but not limited to, all provisions pertaining to compensation, termination, choice of law and arbitration, shall remain in full
force and effect as modified hereby. 
 [Remainder of page left intentionally blank] 

 IN WITNESS WHEREOF, this Third Addendum to Employment Agreement is executed as of the day and year
first above written. 
  

			
	Executive
	
	/s/ Joseph Lloyd McAdams
	 Joseph Lloyd McAdams

	
	Anworth Mortgage Asset Corporation
		
	By:	 	/s/ Thad M. Brown
		 	 Name: Thad M. Brown

		 	 Title: Chief Financial Officer

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