BY U.S. MAIL AND ELECTRONIC TRANSMISSION Owens Financial Group, Inc. August 4, 2009

EXHIBIT 10

BY U.S. MAIL AND ELECTRONIC TRANSMISSION

Xxxxx Financial Group, Inc.                                                                                                August 4, 2009

0000 Xxxxxxx Xxxxxxxxx

Walnut Creek, CA 94595

Attention:             Xx. Xxxxxxx X. Xxxxx, President

Xx. Xxxxx X. Xxxxxx, Chief Financial Officer

RE:  (a) Credit Agreement between Xxxxx Financial Group, Inc., as Borrower, and California Bank & Trust, First Bank, and City National Bank, as Lenders, dated August 31, 2001, as amended, for Revolving Loans up to $20,000,000 and Swing Loans

        (b) Credit Agreement between Xxxxx Mortgage Investment Fund, as Borrower, and California Bank & Trust, First Bank and City National Bank, as Lenders, dated August 31, 2001, as amended for Revolving Loans up to $55,000,000.00 and Swing Loans

Gentlemen:

We are writing on behalf of California Bank & Trust in its role as Agent under the above-mentioned Credit Agreements.  By this letter, we wish to notify you that the obligations of the Borrowers under these Credit Agreements have matured and all principal and accrued interest there under are now due and owing.  Because of the maturity, no further Loans will be made under either Credit Agreement.

Any forbearance or restraint by the Lenders in taking any action to which they are entitled under the Credit Agreements by virtue of the maturity of the obligations without full payment of the Loans should not be construed as a waiver of any rights afforded to the Lenders under the Credit Agreements or by law.  The Lenders reserve such rights.  Any waiver thereof shall require the signed, written consent of the Lenders.  Likewise, any modification of the Credit Agreements shall require the signed, written agreement of the Lenders.

Sincerely,

/s/ Xxxxxxx X. Xxxxxxxxx

Xxxxxxx X. Xxxxxxxxx

Executive Vice President

     cc.  Xxxxxxx Xxxxx, Senior Vice President         First Bank         Commercial and Private Banking         000 Xxxxxxxxxx Xxxxxx         Xxx Xxxxxxxxx, XX 00000   cc.   Xxxxx XxXxxxx, Vice President         City National Bank          000 Xxxxx Xxxxxx Xx.  00xx Xxxxx          Xxx Xxxxxxx, XX 00000