0000927356-99-001244 Sample Contracts

TERM NOTE ---------
Term Note • August 4th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents

This note is a "Term Note" under the Credit Agreement (as renewed, extended, amended, or restated, the "Credit Agreement") dated as of March 12, 1997, between Borrower, Lender, certain other Lenders, and U.S. Bank National Association, as Agent for Lenders. All of the defined terms in the Credit Agreement have the same meanings when used, unless otherwise defined, in this note.

Exhibit 10.5 REVOLVING NOTE --------------
Revolving Note • August 4th, 1999 • Matrix Bancorp Inc • Mortgage bankers & loan correspondents

This note is a "Revolving Note" under the Credit Agreement (as renewed, extended, amended, or restated, the "Credit Agreement") dated as of March 12, 1997, between Borrower, Lender, certain other Lenders, and U.S. Bank National Association, as Agent for Lenders. All of the defined terms in the Credit Agreement have the same meanings when used, unless otherwise defined, in this note.