SEVENTH AMENDMENT TO CREDIT AGREEMENT
THIS SEVENTH AMENDMENT TO CREDIT AGREEMENT (the "Amendment"),
dated as of February 28, 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, the Lenders party to the Credit Agreement and COLONIAL BANK, an Alabama corporation (the
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 and by a Sixth Amendment to
Credit Agreement (the "Sixth Amendment") dated as of October 18, 2002 (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. Pursuant to the Fifth Amendment and the Sixth Amendment, the Aggregate Commitment Amounts were
reduced to $190,000,000 effective on and after December 20, 2002.
C. The Company wishes to add the New Lender as a "Lender" under the Credit Agreement with Commitment in
the amount of $25,000,000, for the purpose of increasing the Aggregate Commitment Amounts to
D. This Amendment is executed and delivered by the Company, the Agent, the New Lender and the other
Lenders for the purposes of, among other things (a) reflecting the Commitment Amount of the New Lender and
the New Lender's agreement to be bound by