NINTH AMENDMENT TO CREDIT AGREEMENT
THIS DOCUMENT is entered into as of June 30, 2000, between MATRIX BANCORP, INC., a Colorado
corporation formerly named Matrix Capital Corporation ("Borrower"), the Lenders described below, and U.S.
Bank National Association, as Agent for Lenders.
Borrower, Lenders, and Agent are party to the Credit Agreement (as renewed, extended, and amended, the
"Credit Agreement") dated as of March 12, 1997, providing for a $10,000,000 Term Loan and a Revolving
Facility of up to $10,000,000. Borrower, Lenders, and Agent have agreed, upon the following terms and
conditions, to amend the Credit Agreement as further described herein.
1. TERMS AND REFERENCES. Unless otherwise stated in this document terms defined in the Credit
Agreement have the same meanings when used in this document.
2. AMENDMENT. The definition of "Stated-Termination Date" in Section 1.1 of the Credit Agreement is
amended to read as follows:
"'Stated-Termination Date' means the earlier of either (a) September 30, 2000, or (b) 30 days after the date on
which at least 90% of the total Commitments for the Revolving Facility have been funded under Section 2.2."
3. CONDITIONS PRECEDENT. Notwithstanding any contrary provision, the foregoing paragraphs in this
document are not effective unless and until (A) the representations and warranties in this document are true and
correct, and (B) Agent receives counterparts of this document executed by Agent, Lenders, Borrower, and each
other Company named on the signature pages of this document.
4. RATIFICATIONS. To induce Agent and Lenders to enter into this document, Borrower (A) ratifies and
confirms all provisions of the Loan Documents as amended by this document, (B) ratifies and confirms that all
guaranties, assurances, and Liens granted, conveyed, or assigned to Agent and Lenders under the Loan
Documents (as they may have been renewed, extended, and amended) are not released, reduced, or otherwise
adversely affected by this documen