0000950132-01-000214 Sample Contracts

Exhibit 10.13 PURCHASE AGREEMENT
Purchase Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions
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WITNESSETH
Servicing Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions • Ohio

This Servicing Agreement (the "Agreement") is made as of the 25th day of October, 2000, by and between the Provident Bank, a banking corporation organized and existing under the laws of the State of Ohio, whose address is One East Fourth Street, Cincinnati, Ohio 45202 (the "Servicer"), and HomeGold Financial, Inc.,a corporation whose address is 3901 Pelham Road Greenville, SC 29615 (the"Holder").

HOMEGOLD, INC.
Forbearance Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions • Illinois
IMPERIAL WAREHOUSE FINANCE, INC. Initial Buyer and HomeGold Financial, Inc. and HomeGold, Inc. Seller
Homegold Financial Inc • April 17th, 2001 • Personal credit institutions • California
WITNESSETH: ----------
Warehouse Loan and Security Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions
HOMEGOLD, INC.
Forbearance Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions • Illinois
AGREEMENT
Agreement • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions

WHEREAS, HomeGold entered into a Reorganization Agreement with HomeSense Financial Corp. and its Affiliated Companies dated February 9, 2000, which Agreement was consummated as of May 9, 2000, and

OVERVIEW
Residential Mortgage Services • April 17th, 2001 • Homegold Financial Inc • Personal credit institutions • Texas
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