MATRIX BANCORP INC
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>v042539_ex10-1.htm
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>EIGHTH
      AMENDMENT TO CREDIT AGREEMENT</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
      EIGHTH AMENDMENT TO CREDIT AGREEMENT (this &#8220;Amendment&#8221;), made and entered into
      as of March 31, 2006, is by and between MATRIX BANCORP, INC., a Colorado
      corporation (the &#8220;Borrower&#8221;), the lenders from time to time party hereto (each a
&#8220;Lender&#8221; and collectively, the &#8220;Lenders&#8221;), and U.S. BANK NATIONAL ASSOCIATION
      (&#8220;U.S. Bank&#8221;), as agent for the Lenders (in such capacity, together with any
      successor agents appointed hereunder, the &#8220;Agent&#8221;).</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">RECITALS</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
      Borrower, the Agent and the Lenders, entered into a Credit Agreement dated
      as of
      December 27, 2000, as amended by a First Amendment to Credit Agreement dated
      as
      of March 5, 2001, a Second Amendment to Credit Agreement dated as of July 27,
      2001, a Third Amendment to Credit Agreement dated as of December 26, 2001,
      a
      Fourth Amendment to Credit Agreement dated as of March 31, 2002, a Fifth
      Amendment dated as of March 31, 2003, a Sixth Amendment dated as of March 31,
      2004 and a Seventh Amendment dated as of March 31, 2005 (as amended, the &#8220;Credit
      Agreement&#8221;); and</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">B.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
      Borrower desires to amend certain provisions of the Credit Agreement, and the
      Lenders and Agent have agreed to make such amendments, subject to the terms
      and
      conditions set forth in this Amendment.</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">AGREEMENT</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">NOW,
      THEREFORE, for good and valuable consideration, the receipt and adequacy of
      which are hereby acknowledged, the parties hereto hereby covenant and agree
      to
      be bound as follows:</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      1.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Capitalized
      Terms</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      Capitalized terms used herein and not otherwise defined herein shall have the
      meanings assigned to them in the Credit Agreement, unless the context shall
      otherwise require.</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      2.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Amendments</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      2.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Definitions</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      Section
      1.1 of the Credit Agreement is amended by deleting the definition of
&#8220;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Termination
      Date</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8221;
as
      it
      appears therein and substituting the following in lieu thereof:</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 72pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Termination
      Date</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8221;:
      The
      earliest of (a) June 30, 2006, (b) the date on which the Revolving Commitments
      are terminated pursuant to Section 7.2 hereof or (c) the date on which the
      Revolving Commitment Amounts are reduced to zero pursuant to Section 2.8
      hereof.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      3.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Effectiveness
      of Amendments</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      The
      amendments contained in this Amendment shall become effective as of the date
      first above written provided the Agent shall have received at least two (2)
      counterparts of this Amendment, duly executed by the Borrower and all of the
      Lenders, and the Agent shall have received the following, each duly executed
      or
      certified:</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      3.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
      Amendment duly executed by the Borrower.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      3.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A
      copy of
      the resolutions of the Board of Directors of the Borrower authorizing the
      execution, delivery and performance of this Amendment certified as true and
      accurate by its Secretary or Assistant Secretary, along with a certification
      by
      such Secretary or Assistant Secretary (i)&#160;certifying that there has been no
      amendment to the Articles of Incorporation or Bylaws of the Borrower since
      true
      and accurate copies of the same were previously delivered to the Lender with
      a
      certificate of the secretary of the Borrower and (ii) identifying each officer
      of the Borrower authorized to execute this Amendment and any other instrument
      or
      agreement executed by the Borrower in connection with this Amendment
      (collectively, the &#8220;Amendment Documents&#8221;), and certifying as to specimens of
      such officer&#8217;s signature and such officer&#8217;s incumbency in such offices as such
      officer holds.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      3.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
      Consent and Agreement of Guarantors, in the form prescribed by the Agent, duly
      executed by each Guarantor.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      3.4<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
      Borrower shall have satisfied such other conditions as specified by the Agent
      and the Lenders, including payment of all unpaid legal fees and expenses
      incurred by the Agent through the date of this Amendment in connection with
      the
      Credit Agreement and the Amendment Documents.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      4.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">[Reserved].&#160;
      </font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      5.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Representations,
      Warranties, Authority, No Adverse Claim</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      5.1<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Reassertion
      of Representations and Warranties, No Default</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      The
      Borrower hereby represents that on and as of the date hereof and after giving
      effect to this Amendment (a)&#160;all of the representations and warranties
      contained in the Credit Agreement are true, correct and complete in all respects
      as of the date hereof as though made on and as of such date, except for changes
      permitted by the terms of the Credit Agreement, and (b) there will exist no
      Default or Event of Default under the Credit Agreement as amended by this
      Amendment on such date which has not been waived by the Agent and the
      Lenders.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      5.2<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Authority,
      No Conflict, No Consent Required</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      The
      Borrower represents and warrants that the Borrower has the power and legal
      right
      and authority to enter into the Amendment Documents and has duly authorized
      as
      appropriate the execution and delivery of the Amendment Documents and other
      agreements and documents executed and delivered by the Borrower in connection
      herewith or therewith by proper corporate action, and none of the Amendment
      Documents nor the agreements contained herein or therein contravenes or
      constitutes a default under any agreement, instrument or indenture to which
      the
      Borrower is a party or a signatory or a provision of the Borrower&#8217;s Articles of
      Incorporation, Bylaws or any other agreement or requirement of law in which
      the
      consequences of such default or violation could have a material adverse effect
      on the business, operations, properties, assets or condition (financial or
      otherwise) of the Borrower and its Subsidiaries taken as a whole, or result
      in
      the imposition of any Lien on any of its property under any agreement binding
      on
      or applicable to the Borrower or any of its property except, if any, in favor
      of
      the Agent on behalf of the Lenders. The Borrower represents and warrants that
      no
      consent, approval or authorization of or registration or declaration with any
      Person, including but not limited to any governmental authority, is required
      in
      connection with the execution and delivery by the Borrower of the Amendment
      Documents or other agreements and documents executed and delivered by the
      Borrower in connection therewith or the performance of obligations of the
      Borrower therein described, except for those which the Borrower has obtained
      or
      provided and as to which the Borrower has delivered certified copies of
      documents evidencing each such action to the Agent.</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      5.3<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>No
      Adverse Claim</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      The
      Borrower warrants, acknowledges and agrees that no events have taken place
      and
      no circumstances exist at the date hereof which would give the Borrower a basis
      to assert a defense, offset or counterclaim to any claim of the Agent or the
      Lenders with respect to the Obligations or the Borrower&#8217;s obligations under the
      Credit Agreement as amended by this Amendment.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      6.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Affirmation
      of Credit Agreement, Further References</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      The
      Agent, the Lenders, and the Borrower each acknowledge and affirm that the Credit
      Agreement, as hereby amended, is hereby ratified and confirmed in all respects
      and all terms, conditions and provisions of the Credit Agreement, except as
      amended by this Amendment, shall remain unmodified and in full force and effect.
      All references in any document or instrument to the Credit Agreement are hereby
      amended and shall refer to the Credit Agreement as amended by this Amendment.
      All of the terms, conditions, provisions, agreements, requirements, promises,
      obligations, duties, covenants and representations of the Borrower under such
      documents and any and all other documents and agreements entered into with
      respect to the obligations under the Credit Agreement are incorporated herein
      by
      reference and are hereby ratified and affirmed in all respects by the
      Borrower.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      7.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Merger
      and Integration, Superseding Effect</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      This
      Amendment, from and after the date hereof, embodies the entire agreement and
      understanding between the parties hereto and supersedes and has merged into
      this
      Amendment all prior oral and written agreements on the same subjects by and
      between the parties hereto with the effect that this Amendment, shall control
      with respect to the specific subjects hereof and thereof.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Section
      8.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Severability</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
      Whenever possible, each provision of this Amendment and the other Amendment
      Documents and any other statement, instrument or transaction contemplated hereby
      or thereby or relating hereto or thereto shall be interpreted in such manner
      as
      to be effective, valid and enforceable under the applicable law of any
      jurisdiction, but, if any provision of this Amendment, the other Amendment
      Documents or any other statement, instrument or transaction contemplated hereby
      or thereby or relating hereto or thereto shall be held to be prohibited, invalid
      or unenforceable under the applicable law, such provision shall be ineffective
      in such jurisdiction only to the extent of such prohibition, invalidity or
      unenforceability, without invalidating or rendering unenforceable the remainder
      of such provision or the remaining provisions of this Amendment, the other
      Amendment Documents or any other statement, instrument or transaction
      contemplated hereby or thereby or relating hereto or thereto in such
      jurisdiction, or affecting the effectiveness, validity or enforceability of
      such
      provision in any other jurisdiction.</font></div>
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&amp; Whitney LLP, counsel for the Agent) incurred in connection with the Credit
      Agreement, including in connection with the negotiation, preparation and
      execution of the Amendment Documents and all other documents negotiated,
      prepared and executed in connection with the Amendment Documents, and in
      enforcing the obligations of the Borrower under the Amendment Documents, and
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      pay and save the Agent and the Lenders harmless from all liability for, any
      stamp or other taxes which may be payable with respect to the execution or
      delivery of the Amendment Documents, which obligations of the Borrower shall
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      or convenient, each of which, when so executed, shall be deemed an original,
      provided that all such counterparts shall be regarded as one and the same
      document, and either party to the Amendment Documents may execute any such
      agreement by executing a counterpart of such agreement.</font></div>
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      </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>THE
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      MINNESOTA, WITHOUT GIVING EFFECT TO CONFLICT OF LAW PRINCIPLES THEREOF, BUT
      GIVING EFFECT TO FEDERAL LAWS APPLICABLE TO NATIONAL BANKS, THEIR HOLDING
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      WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
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            <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: ">U.S.
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    <div style="DISPLAY: block; MARGIN-LEFT: 216pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
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          -
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">This
      Consent and Agreement by Guarantors (&#8220;Consent&#8221;) is made by the undersigned (each
      a &#8220;Guarantor,&#8221; and collectively, the &#8220;Guarantors&#8221;), in favor of U.S. BANK
      NATIONAL ASSOCIATION, a national banking association, as Agent for the Lenders
      party to the Credit Agreement described below (the &#8220;Agent&#8221;), and such Lenders
      and is dated as of March 31, 2006.</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">WHEREAS,
      each Guarantor executed a Guaranty (&#8220;Guaranty&#8221;) in favor of the Agent and the
      Lenders dated as of December&#160;27, 2000, by which Guarantor guaranteed the
      obligations of Matrix Bancorp, Inc., a Colorado corporation, (the &#8220;Borrower&#8221;) to
      the Agent and the Lenders, including, without limitation, the Borrower&#8217;s
      obligations to the Agent and the Lenders under that certain Credit Agreement
      dated as of December 27, 2000 by and between the Borrower, the Lenders party
      thereto and the Agent (the &#8220;Credit Agreement&#8221;);</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">WHEREAS,
      the Borrower desires to amend the Credit Agreement to modify certain provisions
      of the Credit Agreement pursuant to a Eighth Amendment to Credit Agreement
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      even date herewith by and between the Borrower, the Lenders party to the Credit
      Agreement, and the Agent (the &#8220;Amendment&#8221;);</font></div>
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      the Agent has refused to execute the Amendment unless the Guarantors execute
      this Consent;</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">NOW,
      THEREFORE, for good and valuable consideration, the receipt and sufficiency
      of
      which are hereby acknowledged, and to induce the Agent and the Lenders to amend
      certain provisions of the Credit Agreement, and in consideration of their doing
      so, the Guarantors hereby acknowledge and consent to the amendments to the
      Credit Agreement as provided under the Amendment, substantially in the form
      previously provided to the Guarantors, and agree that all obligations of the
      Borrower under the Credit Agreement as amended by the Amendment are subject
      to
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      Guarantor acknowledges and agrees that this Consent shall not in any way
      extinguish any of the obligations of the Guarantor under the Guaranty, which
      obligations shall continue and shall not in any circumstances be terminated,
      extinguished or discharged hereby, but the terms of such Guaranty continue
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      <table align="center" bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">

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