EIGHTH AMENDMENT TO CREDIT AGREEMENT
THIS EIGHTH AMENDMENT TO CREDIT AGREEMENT (the "Amendment"), dated as of August 12,
2003, is by and among CH MORTGAGE COMPANY I, LTD., a Texas limited partnership (the "Company"),
U.S. BANK NATIONAL ASSOCIATION, a national banking association ("U.S. Bank"), and as agent (the
"Agent") for the Lenders ("the Lenders") party to the Credit Agreement described below, and the Lenders party
to the Credit Agreement.
A. The Company, the Agent and the Lenders are parties to a Credit Agreement dated as of August 13, 1999, as
amended by a First Amendment to Credit Agreement dated as of August 14, 2000, by a Second Amendment to
Credit Agreement and Second Amendment to Pledge Agreement dated as of August 10, 2001, by a Third
Amendment to Credit Agreement dated as of February 22, 2002, by a Fourth Amendment to Credit Agreement
dated as of August 12, 2002, by a Fifth Amendment to Credit Agreement dated as of September 25, 2002, by
an Agreement to Increase Commitment Amounts dated as of September 20, 2002, by a Sixth Amendment to
Credit Agreement dated as of October 18, 2002 and by a Seventh Amendment to Credit Agreement dated as of
February 28, 2003 (as so amended, the "Credit Agreement"), pursuant to which the Lenders provide the
Company and certain Co-Borrowers with a revolving mortgage warehousing credit facility.
B. The Company wishes to increase the Commitment Amount of JPMorgan Chase Bank ("Chase") from
$55,000,000 to $70,000,000.
C. This Amendment is executed and delivered by the Company, the Agent and the Lenders for the purposes of,
among other things (a) reflecting the increase of the Commitment Amount of Chase, (b) reflecting that the
maximum amount of increases to the Aggregate Commitment Amounts that may be adopted under Section 10.11
(d) without the further consent of all of the Lenders has been increased from $200,000,000 to $300,000,000
and (c) reflecting certain other amendments to the Credit Agreement, as set forth below.