0000927356-99-000462 Sample Contracts

EXHIBIT 10.20 FOURTH MODIFICATION AGREEMENT ----------------------------- DATE: February 28, 1999 ----
Modification Agreement • March 26th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents • Arizona
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SIXTH AMENDMENT TO AMENDED AND RESTATED LOAN AGREEMENT ----------------------------------- (AND WAIVER)
Loan Agreement • March 26th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents
EXHIBIT 10.37 WAREHOUSE NOTE --------------
Warehouse Note • March 26th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents

This note is a "Warehouse Note" under the Amended and Restated Loan Agreement (as renewed, extended, amended, or restated, the "Loan Agreement") dated as of January 31, 1997, between Borrower, Lender, certain other Lenders, and Bank One, Texas, N.A., as Agent for Lenders. All of the defined terms in the Loan Agreement have the same meanings when used, unless otherwise defined, in this note.

EXHIBIT 10.43 AMENDED AND RESTATED WORKING-CAPITAL NOTE -----------------------------------------
Working-Capital Note • March 26th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents

This note is a "Working-Capital Note" under the Amended and Restated Loan Agreement (as renewed, extended, amended, or restated, the "Loan Agreement") dated as of January 31, 1997, between Borrower, Lender, certain other Lenders, and Bank One, Texas, N.A., as Agent for Lenders. All of the defined terms in the Loan Agreement have the same meanings when used -- unless otherwise defined -- in this note.

EXHIBIT 10.39 AMENDED AND RESTATED TERM-LINE NOTE -----------------------------------
Term-Line Note • March 26th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents

This note is a "Term-Line Note" under the Amended and Restated Loan Agreement (as renewed, extended, amended, or restated, the "Loan Agreement") dated as of January 31, 1997, between Borrower, Lender, certain other Lenders, and Bank One, Texas, N.A., as Agent for Lenders. All of the defined terms in the Loan Agreement have the same meanings when used -- unless otherwise defined -- in this note.

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