0001084961-02-000024 Sample Contracts

TO INDENTURE AND SERVICING AGREEMENT (Floating Rate Midland Receivables-Backed Variable Funding Notes, Series 1999-A)
Indenture and Servicing Agreement • November 12th, 2002 • Encore Capital Group Inc • Short-term business credit institutions • New York

This Fourth Amendment to Indenture and Servicing Agreement, dated as of September 30, 2002 (this "Fourth Amendment"), is executed by and among Midland Funding 98-A Corporation, as issuer (the "Issuer"), Wells Fargo Bank Minnesota, National Association (formerly known as Norwest Bank Minnesota, National Association), as trustee (in such capacity, the "Trustee"), and as backup Servicer (in such capacity, the "Backup Servicer"), Midland Credit Management, Inc., as servicer (the "Servicer"), Radian Asset Assurance Inc. (formerly known as Asset Guaranty Insurance Company), as note insurer (the "Note Insurer") and Banco Santander Central Hispano, S.A., New York Branch and Warehouse Line, L.L.C., as noteholders (collectively, the "Noteholders"). Capitalized terms used and not otherwise defined herein shall have the meanings assigned to such terms in the Indenture and Servicing Agreement (as defined below).

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Sixth Amendment to Net Industrial Lease
Net Industrial Lease • November 12th, 2002 • Encore Capital Group Inc • Short-term business credit institutions

This Sixth Amendment to Lease (the “Amendment”) dated October 1, 2002 is made by and between Jerrold D. Monkarsh and Joyce Monkarsh (“Landlord”) and Midland Credit Management, Inc., a Kansas corporation (“Tenant”), who have entered into this Sixth Amendment with reference to the following facts:

OPTION TO EXTEND TERM LEASE RIDER
Lease Extension Agreement • November 12th, 2002 • Encore Capital Group Inc • Short-term business credit institutions

This Rider is attached to and made part of that certain Sixth Amendment dated October 1, 2002 (the “Amendment”) between, Jerrold D. Monkarsh and Joyce Monkarsh (“Landlord”), and Midland Credit Management, Inc., a Kansas corporation (“Tenant”), covering the Property commonly known as 4302 & 4310 E. Broadway, Phoenix, Arizona (the “Property”). The terms used herein shall have the same definitions as set forth in the Amendment and the Lease. The provisions of this Rider shall supersede any inconsistent or conflicting provisions of the Lease.

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