0001193125-05-098950 Sample Contracts

Re: Employment Agreement
United Pan Am Financial Corp • May 6th, 2005 • Mortgage bankers & loan correspondents • California

This letter agreement and attachments hereto, (collectively the “Agreement”) set forth the terms and conditions of your employment with United PanAm Financial Corp (“Employer”) and its subsidiary United Auto Credit Corporation (“UACC”), both of which may be referred to interchangeably hereinafter as “Employer”. By signing this Agreement, you will be agreeing to these terms. It is important that you understand clearly both what your benefits are and what is expected of you by Employer. The effective date of this Agreement (the “Effective Date”) shall be as of March 1, 2005 and will replace your previous agreement.

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