Common use of General Purpose of Loan Clause in Contracts

General Purpose of Loan. Maker warrants and represents to Payee, all other Holders and the Agent that all loans evidenced by this note are and will be for business, commercial, investment or other similar purpose and not primarily for personal, family, household or agricultural use, as such terms are used in the Texas Finance Code. SUNSET FINANCIAL RESOURCES, INC., as maker By: _____________________________ Name: ___________________________ Title: __________________________ ANNEX 1 to $____________ Sunset Financial Resources, Inc. 3/04 [LENDER'S NAME] Senior Credit Note LOANS AND PAYMENTS OF PRINCIPAL AND INTEREST ------------------------------------------------------------------------------------------------------------------------------------ Payment Applied on Date of Payment or (or advance vs.) Payment Applied Name of Person Advance Principal on Interest Principal Balance Interest Paid to Making Notation ------- --------- ----------- ----------------- ---------------- --------------- ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ 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------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT B TO 3/04 CREDIT AGREEMENT Request for Borrowing [Letterhead of the Company] [date] JPMorgan Chase Bank 707 Xxxxxx, 0xx Xxxxx Xxxxx Xxxxxxx, Xxxxx 00000 Attention: Xxxxx Xxxxxxxx, Corporate Mortgage Finance Group Ladies and Gentlemen: SUNSET FINANCIAL RESOURCES, INC. (the "COMPANY") and JPMORGAN CHASE BANK as a lender and as agent (the "AGENT") for the other lender(s) who are parties to it as lenders, and such other lenders (all such lenders, including JPMorgan Chase Bank being herein called the "LENDERS") together executed a 3/04 Senior Secured Credit Agreement dated March 22, 2004 (which, as it may have been or may hereafter be supplemented, amended or restated from time to time, is called the "CURRENT CREDIT AGREEMENT"). Any term defined in the Current Credit Agreement and used in this Request for Borrowing shall have the meaning given to it in the Current Credit Agreement. The Company currently qualifies under the Current Credit Agreement for, and hereby requests, an Advance or Advances as set forth below to be made on _________________, 20___ (or, if the Agent is closed that day, on the next day when it is not). Single-family Warehouse Advance (Dry) $ ___________________ Wet Warehousing Advance $ ___________________ Total Borrowing $ ___________________ After giving effect as required by the Credit Agreement to the requested Advance, the Borrowing Base will equal or exceed the outstanding principal balance of the Loan and such balance will not exceed the Aggregate Committed Sum.

General Purpose of Loan. Each Maker warrants and represents to Payee, all other Holders and the Seasoned Warehouse Agent that all loans evidenced by this note are and will be for business, commercial, investment or other similar purpose and not primarily for personal, family, household or agricultural use, as such terms are used in Chapter 1D or in the Texas Finance Code. SUNSET MCA FINANCIAL RESOURCES, INC., as maker CORP. MCA MORTGAGE CORPORATION By: _____:________________________ Name: By:____________________ Name:______________________ Name:__________________ Title:_____________________ Title:_________________ MORTGAGE CORPORATION MORTGAGE CORPORATION OF AMERICA OF AMERICA, INC. By:_______________________ Title: By:____________________ Name:_____________________ Name:__________________ Title:____________________ Title:_________________ ANNEX 1 to $_________________ Sunset Financial Resources, Inc. 3/04 10/97 [LENDER'S LENDER NAME] Senior Credit Seasoned Warehouse Note LOANS AND PAYMENTS OF PRINCIPAL AND INTEREST ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------------------------------------------------------------------------------------------------------- Payment Applied on Date of Payment or (or advance vs.) Payment Applied on Name of Person Advance Principal on Interest Principal Balance Interest Paid to Making Notation ------- --------- ----------- ----------------- ---------------- --------------- ------------------------------------------------------------------------------------------------------------------------------------ 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---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- EXHIBIT B TO 3/04 CREDIT E-1 SEASONED WAREHOUSE SECURITY AGREEMENT Request for Borrowing [Letterhead THIS SEASONED WAREHOUSE SECURITY AGREEMENT is entered into as of the Company] [date] JPMorgan Chase Bank 707 XxxxxxOctober 31, 0xx Xxxxx Xxxxx Xxxxxxx1997, Xxxxx 00000 Attention: Xxxxx Xxxxxxxxbetween MCA FINANCIAL CORP., Corporate Mortgage Finance Group Ladies a Michigan corporation, MCA MORTGAGE CORPORATION, a Michigan corporation, MORTGAGE CORPORATION OF AMERICA, a Michigan corporation and Gentlemen: SUNSET FINANCIAL RESOURCESMORTGAGE CORPORATION OF AMERICA, INC. ., an Ohio corporation (the "COMPANYDEBTORS") ), and JPMORGAN CHASE TEXAS COMMERCE BANK NATIONAL ASSOCIATION, as a lender and as agent (the "AGENT") for the other lender(s) who are lenders party thereto (in such capacities, "SECURED PARTY"). Debtors, the Seasoned Warehouse Lenders parties to it thereto as lenders, such and such other lenders (all such lenders, including JPMorgan Chase Bank being herein called Secured Party have entered into the "LENDERS") together executed a 3/04 10/97 Senior Secured Seasoned Warehouse Credit Agreement dated March 22as of October 31, 2004 1997 (which, as it may have been or may hereafter be supplemented, amended or restated from time to timerestated, is called the "CURRENT WAREHOUSE CREDIT AGREEMENT"). Any term defined in As a continuing inducement to Seasoned Warehouse Lenders to extend credit to Debtors under the Current Credit Agreement and used in this Request for Borrowing shall have the meaning given to it in the Current Credit Agreement. The Company currently qualifies under the Current Credit Agreement for, and hereby requestsas a condition precedent to that credit, an Advance or Advances as set forth below to be made on _________________, 20___ (or, if the Agent is closed that day, on the next day when it is not). Single-family Warehouse Advance (Dry) $ ___________________ Wet Warehousing Advance $ ___________________ Total Borrowing $ ___________________ After giving effect as required by the Credit Debtors are executing and delivering this Agreement to the requested AdvanceSecured Party. ACCORDINGLY, the Borrowing Base will equal or exceed the outstanding principal balance of the Loan for adequate and such balance will not exceed the Aggregate Committed Sum.sufficient consideration, Debtors and Secured Party agree as follows:

General Purpose of Loan. Maker warrants and represents to Payee, all other Holders and the Agent that all loans evidenced by this note are and will be for business, commercial, investment or other similar purpose and not primarily for personal, family, household or agricultural use, as such terms are used in Chapter 1D or in the Texas Finance Code. SUNSET FINANCIAL RESOURCES, INC.LONG BEACH MORTGAGE COMPANY, as maker By: _____________________________ Name: ___________________________ Title: __________________________ ANNEX 1 to $____________ Sunset Financial Resources, Inc. 3/04 $ LONG BEACH MORTGAGE COMPANY 4/98 [LENDER'S NAME] Senior Credit Note LOANS AND PAYMENTS OF PRINCIPAL AND INTEREST ------------------------------------------------------------------------------------------------------------------------------------ Date of Payment Payment Applied on Date Payment Applied on Name of Payment Person or Advance (or advance vs.) Payment Applied Name of Person Advance Principal on Interest Principal Balance Interest Paid to Making Notation ------- --------- ----------- ----------------- ---------------- --------------- ------------------------------------------------------------------------------------------------------------------------------------ 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--------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------------- 104 EXHIBIT B A-2 TO 3/04 4/98 A&R CREDIT AGREEMENT Request for Borrowing [Letterhead of the Company] [date] JPMorgan Chase Bank 707 Xxxxxx(THE "4/98 SWING LINE NOTE") $50,000,000 Houston, 0xx Xxxxx Xxxxx XxxxxxxTexas April 13, Xxxxx 00000 Attention: Xxxxx Xxxxxxxx1998 FOR VALUE RECEIVED, Corporate Mortgage Finance Group Ladies and Gentlemen: SUNSET FINANCIAL RESOURCESLONG BEACH MORTGAGE COMPANY, INC. a Delaware corporation ("MAKER" or the "COMPANY") and JPMORGAN ), promises to pay to the order of CHASE BANK OF TEXAS, NATIONAL ASSOCIATION ("PAYEE"), a national banking association, at its main branch, 712 Xxxx Xxxxxx, Xxxxxxx, Xxxxxx Xxxxxx, Texas 77002, or at such other place as a lender and as agent the holder (the "AGENTHOLDER", whether or not Payee is such holder) for the other lender(s) who are parties to it as lenders, and such other lenders (all such lenders, including JPMorgan Chase Bank being herein called the "LENDERS") together executed a 3/04 Senior Secured Credit Agreement dated March 22, 2004 (which, as it may have been or of this note may hereafter be supplementeddesignate in writing, amended in immediately available funds and in lawful money of the United States of America, the principal sum of Fifty Million Dollars ($50,000,000) (or restated the unpaid balance of all principal advanced against this note, if that amount is less), together with interest on the unpaid principal balance of this note from time to time, is called time outstanding until maturity at the "CURRENT CREDIT AGREEMENT"). Any term defined applicable rate(s) provided for in the Current Credit Agreement and used in this Request for Borrowing shall have the meaning given to it in the Current Credit Agreement. The Company currently qualifies under the Current Credit Agreement for, and hereby requests, an Advance or Advances as set forth below to be made on _________________, 20___ (or, if the Agent is closed that day, on the next day when it is not). Single-family Warehouse Advance (Dry) $ ___________________ Wet Warehousing Advance $ ___________________ Total Borrowing $ ___________________ After giving effect as required by the Credit Agreement (or at such lesser rate, if any, as Holder may in its sole discretion from time to time elect to be applicable for any day or days), and interest on all past due amounts, both principal and accrued interest, at the requested AdvancePast Due Rate; provided that for the full term of this note the interest rate produced by the aggregate of all sums paid or agreed to be paid to Holder for the use, the Borrowing Base will equal forbearance or exceed the outstanding principal balance detention of the Loan and such balance will debt evidenced hereby shall not exceed the Aggregate Committed SumCeiling Rate.

General Purpose of Loan. Each Maker warrants and represents to Payee, all other Holders and the Seasoned Warehouse Agent that all loans evidenced by this note are and will be for business, commercial, investment or other similar purpose and not primarily for personal, family, household or agricultural use, as such terms are used in Chapter 1D or in the Texas Finance Code. SUNSET MCA FINANCIAL RESOURCESCORP. MCA MORTGAGE CORPORATION By: /s/ Keitx X Xxxxxxx By: /s/ Lee X. Xxxxx ------------------- ------------------ Name: KEITX X XXXXXXX Name: LEE X. XXXXX ----------------- ---------------- Title: EVP Title: PRESIDENT ----------------- ---------------- MORTGAGE CORPORATION MORTGAGE CORPORATION OF AMERICA OF AMERICA, INC., as maker . By: _____________________________ /s/ Keitx X Xxxxxxx By: /s/ Lee X. Xxxxx ------------------- ----------------- Name: ___________________________ KEITX X XXXXXXX Name: LEE X. XXXXX ------------------- ----------------- Title: __________________________ VP Title: PRESIDENT ------------------ ---------------- ANNEX 1 to $____________ Sunset Financial Resources, Inc. 3/04 [LENDER'S NAME] Senior Credit 25,000,000 10/97 Texas Commerce Seasoned Warehouse Note LOANS AND PAYMENTS OF PRINCIPAL AND INTEREST ------------------------------------------------------------------------------------------------------------------------------------ Payment Applied on Date of Payment or on (or advance vs.) Payment Applied Name of Person Advance Principal on Interest Principal Balance Interest Paid to Making Notation ------- --------- ----------- ----------------- ---------------- --------------- ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ 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------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT B TO 3/04 CREDIT 197 SEASONED WAREHOUSE CUSTODY AGREEMENT Request for Borrowing [Letterhead of the Company] [date] JPMorgan Chase Bank 707 XxxxxxPREAMBLE THIS SEASONED WAREHOUSE CUSTODY AGREEMENT (within itself only, 0xx Xxxxx Xxxxx Xxxxxxx, Xxxxx 00000 Attention: Xxxxx Xxxxxxxx, Corporate Mortgage Finance Group Ladies and Gentlemen: SUNSET FINANCIAL RESOURCES, INC. (the this "COMPANYSEASONED WAREHOUSE CUSTODY AGREEMENT") and JPMORGAN CHASE BANK as a lender and as agent (the "AGENT") for the other lender(s) who are parties to it as lenders, and such other lenders (all such lenders, including JPMorgan Chase Bank being herein called the "LENDERS") together executed a 3/04 Senior Secured Credit Agreement dated March 22, 2004 (which, as it may have been or may hereafter be supplemented, amended or restated from time to time, this "AGREEMENT") entered into as of October 31, 1997 by and between (i) MCA FINANCIAL CORP. ("MCAFC"), a Michigan corporation, MCA MORTGAGE CORPORATION ("MCAMC"), a Michigan corporation formerly known as Mortgage Corporation of America, MORTGAGE CORPORATION OF AMERICA ("MCA"), a Michigan corporation formerly known as First American Mortgage Associates, Inc., and MORTGAGE CORPORATION OF AMERICA, INC. ("MCAI-OHIO"), an Ohio corporation (collectively, the "COMPANIES"), and (ii) TEXAS COMMERCE BANK NATIONAL ASSOCIATION ("TEXAS COMMERCE"), a national banking association, as a Seasoned Warehouse Lender and as agent for the other Seasoned Warehouse Lenders (in that capacity, Texas Commerce is called the "CURRENT CREDIT AGREEMENTSEASONED WAREHOUSE AGENT"). Any term defined , acting herein as documents custodian (in that capacity, the Current Credit Agreement "CUSTODIAN") for the Seasoned Warehouse Agent and used in this Request for Borrowing shall have the meaning given to it in the Current Credit Agreement. The Company currently qualifies Seasoned Warehouse Lenders under the Current Credit Agreement for, and hereby requests, an Advance or Advances as set forth below to be made on _________________, 20___ (or, if the Agent is closed that day, on the next day when it is not). Single-family Warehouse Advance (Dry) $ ___________________ Wet Warehousing Advance $ ___________________ Total Borrowing $ ___________________ After giving effect as required by the Credit Agreement to the requested Advance(defined below), the Borrowing Base will equal or exceed the outstanding principal balance of the Loan recites and such balance will not exceed the Aggregate Committed Sum.provides as follows:

General Purpose of Loan. Maker warrants Makers warrant and represents to Payee, all other Holders and the Agent that all loans evidenced by this note are and will be for business, commercial, investment or other similar purpose and not primarily for personal, family, household or agricultural use, as such terms are used in Chapter One of the Texas Finance Credit Code. SUNSET FINANCIAL RESOURCESAMERICAN BUSINESS CREDIT, INC., as maker comaker By: _________--------------------------------------------- Name: ------------------------------------------- Title: ------------------------------------------ HOMEAMERICAN CREDIT, INC. (d/b/a Upland Mortgage), as comaker By: --------------------------------------------- Name: ------------------------------------------- Title: ------------------------------------------ NEW JERSEY MORTGAGE AND INVESTMENT CORP., as comaker By: --------------------------------------------- Name: ------------------------------------------- Title: ------------------------------------------ ANNEX 1 to $____________________ Name: ___________________________ Title: __________________________ ANNEX 1 to $____________ Sunset Financial ResourcesAMERICAN BUSINESS CREDIT, Inc. 3/04 INC. and Affiliates' 12/00 [LENDER'S NAMELender's name] Senior Credit Note LOANS AND PAYMENTS OF PRINCIPAL AND INTEREST ------------------------------------------------------------------------------------------------------------------------------------ Payment Date of Applied on Date (or Payment Principal Interest Paid to Name of Person Payment or (or advance vs.) Payment Applied Name of Person on Balance Making Advance 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------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ EXHIBIT B A-2 TO 3/04 12/00 CREDIT AGREEMENT Request for Borrowing [Letterhead of the Company] [date] JPMorgan Chase Bank 707 Xxxxxx(The "12/00 Swing Line Note") $15,000,000 Houston, 0xx Xxxxx Xxxxx XxxxxxxTexas December 22, Xxxxx 00000 Attention: Xxxxx Xxxxxxxx2000 FOR VALUE RECEIVED, Corporate Mortgage Finance Group Ladies and Gentlemen: SUNSET FINANCIAL RESOURCESAMERICAN BUSINESS CREDIT, INC., a Pennsylvania corporation, HOMEAMERICAN CREDIT, INC. d/b/a UPLAND MORTGAGE, a Pennsylvania corporation, and NEW JERSEY MORTGAGE AND INVESTMENT CORP., a New Jersey corporation whose name will be changed in January 2001 to AMERICAN BUSINESS MORTGAGE SERVICES, ("Makers" or the "Companies"), jointly and severally promise to pay to the order of THE CHASE MANHATTAN BANK ("Payee"), a New York banking corporation, at its main Houston branch, 000 Xxxx Xxxxxx, Xxxxxxx, Xxxxxx Xxxxxx, Texas 77002, or at such other place as the holder (the "COMPANYHolder", whether or not Payee is such holder) and JPMORGAN CHASE BANK as a lender and as agent (the "AGENT") for the other lender(s) who are parties to it as lenders, and such other lenders (all such lenders, including JPMorgan Chase Bank being herein called the "LENDERS") together executed a 3/04 Senior Secured Credit Agreement dated March 22, 2004 (which, as it may have been or of this note may hereafter be supplementeddesignate in writing, amended in immediately available funds and in lawful money of the United States of America, the principal sum of Fifteen Million Dollars ($15,000,000) (or restated the unpaid balance of all principal advanced against this note, if that amount is less), together with interest on the unpaid principal balance of this note from time to timetime outstanding until maturity at the Stated Rate (or at such lesser rate, is called the "CURRENT CREDIT AGREEMENT"if any, as Holder may in its sole discretion from time to time elect to be applicable for any day or days). Any term defined in the Current Credit Agreement and used in this Request for Borrowing shall have the meaning given to it in the Current Credit Agreement. The Company currently qualifies under the Current Credit Agreement for, and hereby requestsinterest on all past due amounts, an Advance both principal and accrued interest, at the Past Due Rate; provided that for the full term of this note the interest rate produced by the aggregate of all sums paid or Advances as set forth below agreed to be made on _________________paid to Holder for the use, 20___ (or, if the Agent is closed that day, on the next day when it is not). Single-family Warehouse Advance (Dry) $ ___________________ Wet Warehousing Advance $ ___________________ Total Borrowing $ ___________________ After giving effect as required by the Credit Agreement to the requested Advance, the Borrowing Base will equal forbearance or exceed the outstanding principal balance detention of the Loan and such balance will debt evidenced hereby shall not exceed the Aggregate Committed SumCeiling Rate.