Prepared by MERRILL CORPORATION www.edgaradvantage.com QuickLinks Exhibit 10.4 AMENDMENT NO. 2 TO RECEIVABLES TRANSFER AGREEMENT (Arcadia Receivables Finance Corp. V) AMENDMENT NO. 2 (this "Amendment"), dated as of October 7, 1999, TO RECEIVABLES...Letter Agreement • November 10th, 1999 • Arcadia Financial LTD • Short-term business credit institutions • New York
Prepared by MERRILL CORPORATION www.edgaradvantage.com QuickLinks Exhibit 10.1 INSURANCE AND INDEMNITY AGREEMENT among FINANCIAL SECURITY ASSURANCE INC., ARCADIA AUTOMOBILE RECEIVABLES TRUST, 1999-C, ARCADIA RECEIVABLES FINANCE CORP. and ARCADIA...Insurance and Indemnity Agreement • November 10th, 1999 • Arcadia Financial LTD • Short-term business credit institutions • New York
INSURANCE AND INDEMNITY AGREEMENT among FINANCIAL SECURITY ASSURANCE INC., ARCADIA AUTOMOBILE RECEIVABLES TRUST, 1999-C, ARCADIA RECEIVABLES FINANCE CORP. and ARCADIA FINANCIAL LTD. Dated as of September 22, 1999
Cc: Amy Martin (Standard & Poor's) Kumar Kanthan (Moody's) Re: $150 MM Arcadia Warehouse Facility (Arcadia Receivables Finance Corp. IV)—Receivables Financing Agreement and Fee Letter dated as of September 24, 1998. Dear Michael: CSFB is pleased to...Arcadia Financial LTD • November 10th, 1999 • Short-term business credit institutions
Prepared by MERRILL CORPORATION www.edgaradvantage.com QuickLinks Exhibit 10.2 SPREAD ACCOUNT AGREEMENT dated as of March 25, 1993, as amended and restated as of September 22, 1999 among ARCADIA FINANCIAL LTD., ARCADIA RECEIVABLES FINANCE CORP.,...Spread Account Agreement • November 10th, 1999 • Arcadia Financial LTD • Short-term business credit institutions • New York
Prepared by MERRILL CORPORATION www.edgaradvantage.com QuickLinks SERIES 1999-C SUPPLEMENT dated as of September 22, 1999 to SPREAD ACCOUNT AGREEMENT dated as of March 25, 1993, as amended and restated as of September 22, 1999 among ARCADIA FINANCIAL...Spread Account Agreement • November 10th, 1999 • Arcadia Financial LTD • Short-term business credit institutions • New York
