0001064158-99-000049 Sample Contracts

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LOAN AGREEMENT Dated as of November 12, 1998 by and between GREENWICH CAPITAL FINANCIAL PRODUCTS, INC. a Delaware corporation ("Lender")
Loan Agreement • March 30th, 1999 • Ugly Duckling Corp • Personal credit institutions • New York
FIRST AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • March 30th, 1999 • Ugly Duckling Corp • Personal credit institutions

Company and Employee hereby mutually agree to amend the Employment Agreement dated January 1, 1996 (the "Employment Agreement") by extending the term of the Employment Agreement for three years. The expiration date in Section 5.1 of the Employment Agreement is hereby extended from December 31, 1998 to December 31, 2001. Except as modified by this First Amendment, the Employment Agreement remains in full force and effect and is hereby ratified and affirmed by Company and Employee.

RECITALS
Ugly Duckling Corp • March 30th, 1999 • Personal credit institutions • Arizona
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