Document:

FIFTEENTH
        AMENDMENT TO

      AMENDED
        AND RESTATED WAREHOUSING CREDIT AGREEMENT

      

      THIS
        FIFTEENTH AMENDMENT TO AMENDED AND RESTATED WAREHOUSING CREDIT
        AGREEMENT
        (the
“Fifteenth Amendment”) is made and entered into as of the 7th day of June, 2005,
        by and among (i) (a) UNITED
        FINANCIAL MORTGAGE CORP., an
        Illinois corporation with its principal place of business located at 815
        Commerce Drive, Suite 100, Oak Brook, Illinois 60523 (“United”), and (b)
PLUSFUNDING.COM,
        INC.,
        a
        California corporation with its principal place of business at 5841 Edison
        Place, Second Floor, Carlsbad, California 92008 (“PlusFunding”) (collectively,
        the “Company”), (ii) (a) NATIONAL
        CITY BANK OF KENTUCKY,
        a
        national banking association with a place of business located at 101 South
        Fifth
        Street, Louisville, Kentucky 40202 (“National City”), (b) JP
        MORGAN CHASE BANK, N.A. (successor by merger to BANK ONE, NA, main offices
        Chicago),
        a
        national banking association with its principal place of business located
        in
        Chicago, Illinois (“JP Morgan”), (c) COMERICA
        BANK,
        a
        Michigan banking corporation with its principal place of business located
        at 500
        Woodward Avenue, MC: 3256, Detroit, Michigan 48226 (“Comerica”), and (d)
COLONIAL
        BANK, N.A.,
        a
        national banking association with a principal place of business located at
        201
        E. Pine Street, Suite 730, Orlando, Florida 32801 (“Colonial”) (National City,
        Bank One, Comerica and Colonial are each individually referred to as a “Bank”
        and collectively as the “Banks”), and (iii) NATIONAL
        CITY BANK OF KENTUCKY,
        in its
        capacity as Agent for the Banks (in such capacity, the “Agent”). 

       

      P
        R E L I
        M I N A R Y S T A T E M E N T:

      

      A. 
Pursuant
        to that certain Amended and Restated Warehousing Credit Agreement dated as
        of
        August 1, 2003, among the Company, the Banks party thereto and the Agent,
        as
        heretofore amended from time to time (the “Existing Credit Agreement”), the
        Agent and the Banks have established a warehousing line of credit facility
        in
        favor of the Company in the current maximum principal amount of One Hundred
        Seventy Million Dollars ($170,000,000.00) (the “Warehouse Line”), for the
        purposes set forth therein.

      

      B. 
The
        Company has now requested that the Agent and Banks amend the Existing Credit
        Agreement in order to increase the maximum principal amount of the Warehouse
        Line to One Hundred Eighty-Five Million Dollars ($185,000,000.00) and (ii)
        provide for certain other modifications thereto.

      

      C. 
The
        Agent
        and the Banks are willing to and desire to amend the Existing Credit Agreement
        in the manner described above, upon the terms and conditions set forth
        herein.

      

      NOW,
        THEREFORE, in consideration of the premises and the mutual covenants and
        agreements set forth in the Existing Credit Agreement and herein, and for
        other
        good and valuable consideration, the mutuality, receipt and sufficiency of
        which
        are hereby acknowledged, the parties hereto hereby agree as
        follows:

      

      1. 
Each
        capitalized term used herein, unless otherwise expressly defined herein,
        shall
        have the meaning set forth in the Existing Credit Agreement.

      

      2. 
The
        following definitions, as contained in Article
        1
        of the
        Existing Credit Agreement, are hereby amended and restated in their entirety
        to
        read as follows:

      

      “Total
        Warehouse Line Commitment”
        shall
        mean the total aggregate principal amount of all Warehouse Line Commitments
        as
        determined from time to time in accordance with the provisions of Article
        2
        and
Article
        11
        of this
        Credit Agreement, and shall mean One Hundred Eighty-Five Million Dollars
        ($185,000,000.00), subject to the right of the Company and the Agent in their
        sole, joint discretion to increase such amount by adding one or more Applicant
        Financial Institutions as a “Bank” or “Banks” hereunder, or as otherwise
        permitted under Section
        11.1
        hereof.

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      “Warehouse
        Line”
        shall
        mean the line of credit established by the Agent and Banks in favor of the
        Company under Article
        2
        of this
        Credit Agreement in the maximum principal amount of One Hundred Eighty-Five
        Million Dollars ($185,000,000.00), subject to the right of the Company and
        the
        Agent in their sole, joint discretion to increase such amount by adding one
        or
        more Applicant Financial Institutions as a “Bank” or “Banks” hereunder.

      

      “Warehouse
        Notes”
        shall
        mean, collectively, (i) that certain Amended and Restated Warehouse Promissory
        Note dated as of May 18, 2005, made by the Company, payable to the order
        of
        National City, and in the face principal amount of Seventy-Five Million Dollars
        ($75,000,000.00), a form of which is attached hereto as Exhibit
        C-1
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (ii) that certain Amended
        and Restated Warehouse Promissory Note dated as of June 7, 2005, made by
        the
        Company, payable to the order of JP Morgan, and in the face principal amount
        of
        Forty Million Dollars ($40,000,000.00), a form of which is attached hereto
        as
Exhibit
        C-2
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iii) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of Comerica, and in the face principal amount
        of
        Thirty Million Dollars ($30,000,000.00), a form of which is attached hereto
        as
Exhibit
        C-4
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, (iv) that certain Amended
        and Restated Warehouse Promissory Note dated as of May 18, 2005, made by
        the
        Company, payable to the order of Colonial, and in the face principal amount
        of
        Forty Million Dollars ($40,000,000.00), a form of which is attached hereto
        as
Exhibit
        C-5
        and made
        a part hereof by this reference, as the same may hereafter be amended, modified,
        renewed, replaced and/or restated from time to time, and (vi) when executed
        and
        delivered, any such additional Warehouse Promissory Note, made by the Company,
        payable to the order of any respective Applicant Financial Institution as
        shall
        be added as a “Bank” hereunder, and in the face principal amount of such
        Applicant Financial Institution’s Warehouse Line Commitment, substantially in
        the form of the Warehouse Promissory Note attached hereto as Exhibit
        C-1 (other
        than the amount thereof), as the same may thereafter be amended, modified,
        renewed, replaced and/or restated from time to time.”

      

      3. 
The
        fourth sentence in the first paragraph of Section
        2.1
        of the
        Existing Credit Agreement is hereby amended and restated in its entirety
        to read
        as follows:

      

      “The
        Total Warehouse Line Commitment is equal to One Hundred Eighty-Five Million
        Dollars ($185,000,000.00), as may be increased by the Company and the Agent
        in
        their sole, joint discretion by adding one or more Applicant Financial
        Institutions as a “Bank” or “Banks” hereunder, or as further permitted under
Section
        11.1
        hereof.”

      

      4. 
The
        Existing Credit Agreement is hereby amended by amending and restating
Exhibits
        C-2, C-3, and H and Schedule 2.1 thereof
        to read in their entirety as set forth on Exhibits
        C-2, C-3 and H and Schedule 2.1 attached
        to this Fifteenth Amendment and made a part hereof by this
        reference.

      

      5. 
The
        Company has previously informed the Agent and the Banks that it is currently
        in
        the process of dissolving PlusFunding.com, Inc. as a California corporation
        and
        that the Company is no longer making Loans under the Warehouse Line in the
        name
        of PlusFunding.com, Inc. Notwithstanding the foregoing, the Company acknowledges
        and agrees that PlusFunding shall remain as a co-borrower and co-obligor
        under
        the Credit Agreement, each of the Warehouse Notes (as redefined herein) and
        each
        of the other Loan Documents for all purposes thereunder.

      

      6.
         
        The
        Company represents and warrants that no Event of Default has occurred to
        date
        under the Existing Credit Agreement or any other Loan Document and that no
        Unmatured Event of Default currently exists under any of the Loan
        Documents.

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

       

      7. 
This
        Fifteenth Amendment may be executed in one or more counterparts, each of
        which
        shall constitute an original and all of the same shall constitute one and
        the
        same instrument.

      

      8. 
This
        Fifteenth Amendment shall be effective as of the date of delivery to the
        Agent
        of each of the following: (i) this Fifteenth Amendment and each of the other
        agreements and instruments referred to herein or related hereto, each duly
        executed by each of the parties thereto, (ii) the Amended and Restated Warehouse
        Promissory Note related hereto, duly executed and delivered by the Company,
        payable to the order of JP Morgan, (iii) payment to each of the Banks of
        an
        amendment fee equal to $375.00, and (iv) all such other security documents,
        opinions, instruments and certificates as may be required by Agent or its
        counsel in order to consummate the transactions contemplated herein.
        Notwithstanding the foregoing, the Agent and the Banks may permit this Fifteenth
        Amendment to become effective prior to the actual delivery of the aforementioned
        amendment fee; provided, however, in such event, the Company agrees and
        covenants to pay such fee to the Banks promptly upon receipt of an invoice
        with
        respect thereto. 

      

      9. 
This
        Fifteenth Amendment and the related writings and the respective rights and
        obligations of the parties shall be governed by, and construed and enforced
        in
        accordance with, the laws of the Commonwealth of Kentucky.

      

      10. 
This
        Fifteenth Amendment shall be binding upon, and shall inure to the benefit
        of,
        the Company, the Banks and the Agent and their respective successors and
        assigns.

      

      11. 
This
        Fifteenth Amendment and the agreements, instruments and other documents referred
        to herein, constitute the entire agreement of the parties with respect to,
        and
        supersede all prior understandings of the parties with respect to the subject
        matter hereof. No change, modification, addition or termination of this
        Fifteenth Amendment shall be enforceable unless in writing signed by the
        party
        against whom enforcement is sought.

      

      12. 
The
        Company hereby makes, declares, ratifies and/or reaffirms, as applicable,
        all of
        the representations, warranties, covenants, agreements and obligations set
        forth
        in the Existing Credit Agreement and each of the other Loan Documents, as
        amended and modified hereby. 

      

      13. 
Notwithstanding
        anything to the contrary contained herein or in the Security Agreement, the
        Notes or any of the other Loan Documents, and further notwithstanding that
        PlusFunding may not be an actual signatory to each such Loan Document, the
        term
“Company” as used in the Credit Agreement, the Security Agreement, the Notes and
        each of the other Loan Documents shall mean United and PlusFunding as joint
        and
        several co-borrowers, co-obligors and/or co-debtors, as applicable. Without
        limiting the generality of the foregoing, United and PlusFunding expressly
        covenant and agree that pursuant to the amendments provided for in this
        Fifteenth Amendment, (i) the pledge, assignment, transfer and grant of security
        interest set forth in the Security Agreement is made by both United and
        PlusFunding, and (ii) the Collateral described in the Security Agreement
        shall
        include all of the right, title and interest of United and PlusFunding in
        the
        property described therein. Further, United and PlusFunding do hereby authorize
        the Agent, on behalf of the Banks, to, at any time and from time to time,
        file
        in any one or more jurisdictions financing statements that describe the
        Collateral (as such term shall apply to United and PlusFunding as the
        collectively defined “Company”), together with continuation statements thereof
        and amendments thereto, without the signature of either United or PlusFunding
        and which contain any information required by the Kentucky Uniform Commercial
        Code or the Uniform Commercial Code, as revised, applicable to such jurisdiction
        for the sufficiency or filing office acceptance of any financing statements,
        continuation statements or amendments.

      

      

      [The
        remainder of this page has been intentionally left blank]

      

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

      

      IN
        WITNESS WHEREOF, the parties hereto have caused this Fifteenth Amendment
        to
        Amended and Restated Warehousing Credit Agreement to be duly executed as
        of the
        day and year first above written.

      
        	 	 	 
	 	UNITED
                FINANCIAL MORTGAGE CORP.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:

      

       

      
        	 	 	 
	 	PLUSFUNDING.COM,
                INC.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title: 
	 	                      
                (collectively, the
“Company”)

      

       

      
        	 	 	 
	 	NATIONAL
                CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:

      

      

        
          	 	 	 
	 	
                  JP
                    MORGAN CHASE BANK, N.A. (successor by merger

                  to BANK ONE, NA, main offices
                    Chicago)

                
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title:

        

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

        

      

       

      
        
          	 	 	 
	 	COMERICA
                  BANK
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title:

        

        
          	 	 	 
	 	COLONIAL
                  BANK, N.A.
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                  

                
	 	Title:
	 	                       
                  (collectively, the
“Banks”)

        

      

       

      
        	 	 	 
	 	NATIONAL
                CITY BANK OF KENTUCKY
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:
	 	                        
                (the “Agent”)

      

      

      

      
        
          
          

        

        
          5AMENDMENT
        NO. 21

       

      TO
        MASTER REPURCHASE AGREEMENT

       

      Amendment
        No. 21, dated as of July 25, 2005 (this “Amendment”),
        between CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC (the “Buyer”)
        and
        UNITED FINANCIAL MORTGAGE CORP. (the “Seller”).

       

      RECITALS

       

      The
        Buyer
        and the Seller are parties to that certain Master Repurchase Agreement, dated
        as
        of August 29, 2001, as amended by Amendment No. 1, dated as of August
        28,
        2002, Amendment No. 2, dated as of September 3, 2002, Amendment
        No. 3, dated as of September 26, 2002, Amendment No. 4,
        dated as
        of October 1, 2002, Amendment No. 5, dated as of December 2,
        2002, Amendment No. 6 dated as of January 30, 2003, Amendment
        No. 7, dated as of March 15, 2003, Amendment No. 8,
        dated as of
        May 30, 2003, Amendment No. 9, dated as of July 16,
        2003,
        Amendment No. 10, dated as of July 23, 2003, Amendment No. 11,
        dated as of August 27, 2003, Amendment No. 12, dated as of
        December 16, 2003, Amendment No. 13, dated as of February 2,
        2004, Amendment No. 14, dated as of March 31, 2004, Amendment
        No. 15, dated as of April 22, 2004, Amendment No. 16,
        dated as of
        May 11, 2004, Amendment No. 17, dated as of August 24, 2004, Amendment
        No.
        18, dated as of October 26, 2004, Amendment No. 19, dated as of
        December 31, 2004 and Amendment No. 20, dated as of June 30, 2005
        (the
“Existing
        Repurchase Agreement”;
        as
amended
        by this Amendment, the “Repurchase
        Agreement”).
        Capitalized terms used but not
        otherwise defined herein shall have the meanings given to them in the Existing
        Repurchase Agreement.

       

      The
        Buyer
        and the Seller have agreed, subject to the terms and conditions of this
        Amendment, that the Existing Repurchase Agreement be amended to reflect certain
        agreed upon revisions to the terms of the Existing Repurchase
        Agreement.

       

      Accordingly,
        the Buyer and the Seller hereby agree, in consideration of the mutual premises
        and mutual obligations set forth herein, that the Existing Repurchase Agreement
        is hereby amended as follows:

       

      Section
        1.  Covenants.
        For
        purposes of this Amendment, this Section 1 will be effective only for the
        period
        from and including February 1, 2005 through and including April 30, 2005
        (the
“Waiver
        Period”).

       

      1.1  Section
        14(e) of the Existing Repurchase Agreement is hereby amended by deleting
        it in
        its entirety and replacing it with the following language, which amendment
        shall
        be effective solely during the Waiver Period:

       

      “(e)
        Maintenance
        of Profitability.
        Seller
        shall not permit, for any Test Period, Net Income for such Test Period, before
        income taxes for such Test Period and distributions made during such Test
        Period, to be a loss greater than $2.5 million.”

       

      
        
           

        

        
           

          
            

          

        

        
           

        

      

       

      Section
        2.  Conditions
        Precedent.  This
        Amendment shall become effective as of February 1, 2005 (the “Amendment
        Effective Date”),
        subject to the satisfaction of the following conditions precedent:

       

      2.1  Delivered
        Documents.  On
        the date hereof, the Buyer shall have received the following documents, each
        of
        which shall be satisfactory to the Buyer in form and substance:

       

      (a)  this
        Amendment, executed and delivered by the Guarantors and duly authorized officers
        of the Buyer and the Seller; and

       

      (b)  such
        other documents as the Buyer or counsel to the Buyer may reasonably
        request.

       

      2.2  Payment
        of Attorneys’ Fees.
        On
        the Amendment Effective Date, the Seller shall have paid attorneys’ fees to
        Buyer or its counsel either by payment or by authorized debit in connection
        with
        this Amendment in an amount equal to $1,500.

       

      Section
        3.  Representations
        and Warranties.  The
        Seller hereby represents and warrants to the Buyer that it is in compliance
        with
        all the terms and provisions set forth in the Existing Master Repurchase
        Agreement on its part to be observed or performed, and that no Event of Default
        has occurred or is continuing, and hereby confirms and reaffirms the
        representations and warranties contained in Section 13 of the Existing Master
        Repurchase Agreement.

       

      Section
        4.  Limited
        Effect.  Except
        as
        expressly amended and modified by this Amendment, the Existing Master Repurchase
        Agreement shall continue to be, and shall remain, in full force and effect
        in
        accordance with its terms. The amendments set forth in this Amendment shall
        expire upon the expiration of the Waiver Period at which time the terms of
        the
        Existing Repurchase Agreement shall revert to that set forth in the Existing
        Repurchase Agreement.

       

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

       

      SECTION
        6.  GOVERNING
        LAW.  THIS
        AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS
        OF
        THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS
        THEREOF.

       

      [SIGNATURE
        PAGE FOLLOWS]

       

      
        
           

        

        
           

          
            

          

        

        
           

        

      

       

      IN
        WITNESS WHEREOF, the parties have caused their names to be signed hereto
        by
        their respective officers thereunto duly authorized as of the day and year
        first
        above written.

      
        	 	 	 
	 Buyer: 	
                CREDIT
                  SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC,

                as Buyer

              
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:

      

       

      
        	 	 	 
	 Seller:	
                UNITED
                  FINANCIAL MORTGAGE CORP.,

                as Seller

              
	 
 	 
 	 
 
	 	By:  	/s/ 
	 	
                

              
	 	Title:

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