0001104659-05-060669 Sample Contracts

AMENDMENT NO. 7 TO SECURITY AGREEMENT
Security Agreement • December 14th, 2005 • First Investors Financial Services Group Inc • Personal credit institutions • New York

AMENDMENT NO. 7 TO SECURITY AGREEMENT, dated as of August 15, 2005 (the “Amendment”), by and among FIRST INVESTORS RESIDUAL FUNDING LP (the “Debtor”), FIRST INVESTORS FINANCIAL SERVICES, INC., as seller (the “Seller”) and WACHOVIA CAPITAL MARKETS, LLC (successor in interest to First Union Securities, Inc.), as the deal agent (the “Deal Agent”) and collateral agent (the “Collateral Agent”).

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AMENDMENT NO. 5 TO NOTE PURCHASE AGREEMENT
Note Purchase Agreement • December 14th, 2005 • First Investors Financial Services Group Inc • Personal credit institutions • New York

AMENDMENT NO. 5 TO NOTE PURCHASE AGREEMENT, dated as of August 15, 2005 (the “Amendment”), by and among FIRST INVESTORS RESIDUAL FUNDING LP (“Issuer”), VARIABLE FUNDING CAPITAL CORPORATION, WACHOVIA BANK, NATIONAL ASSOCIATION (f/k/a First Union National Bank), the financial institutions from time to time party thereto and WACHOVIA CAPITAL MARKETS, LLC (successor in interest to First Union Securities, Inc.), as the deal agent (the “Deal Agent”) and collateral agent (the “Collateral Agent”).

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