PURCHASER GROUP INFORMATION Managing Agent Conduit Purchaser(s) Committed Purchaser(s) Commitment(s) Purchaser Group Limit CALYON Corporateand Investment Bank Atlantic AssetSecuritizationCorp. Calyon New York Branch $ 206,818,182 $ 206,818,182 BMO Capital MarketsCorp. Fairway Finance Company, LLC The Bank of Montreal $ 177,272,727 $ 177,272,727 The Bank ofTokyo-MitsubishiUFJ, Ltd., New YorkBranch Victory Receivables Corporation The Bank ofTokyo-Mitsubishi UFJ,Ltd., New York Branch $ 118,181,818 $ 118,181,818 The Bank of NovaScotia Liberty StreetFunding Corp. The Bank of NovaScotia $ 147,727,273 $ 147,727,273 SMBC Securities,Inc. Manhattan Asset Funding Company LLC Sumitomo Mitsui Banking Corporation $ 50,000,000 $ 50,000,000

Exhibit 10.1

EXECUTION COPY

FOURTH OMNIBUS AMENDMENT
(Apple Ridge)

     THIS Fourth Omnibus Amendment (this “Agreement”) is entered into this 29th day of November, 2006 for the purpose of making amendments to the documents described in this Agreement.

     WHEREAS, this Agreement is among (i) Cartus Corporation, a Delaware corporation (“Cartus”), (ii) Cartus Financial Corporation, a Delaware Corporation (“CFC”), (iii) Apple Ridge Services Corporation, a Delaware corporation (“ARSC”), (iv) Apple Ridge Funding LLC, a limited liability company organized under the laws of the State of Delaware (the “Issuer”), (v) The Bank of New York, as successor to JPMorgan Chase Bank, N.A., a banking corporation organized and existing under the laws of New York, as successor Indenture Trustee. (the “Indenture Trustee”), (vi) The Bank of New York, a New York state banking corporation (the “Paying Agent”), as paying agent, authentication agent and transfer agent and registrar, (vii) the Conduit Purchasers, Committed Purchasers and Managing Agents party to the Note Purchase Agreement defined below, and (viii) Calyon Corporate and Investment Bank, as Administrative Agent and Lead Arranger (the “Administrative Agent”).

     WHEREAS, this Agreement relates to the following documents (as such documents have previously been amended):

          —Master Indenture dated as of April 25, 2000 (the “Master Indenture”) among the Issuer, the Indenture Trustee and the Paying Agent.

          —Transfer and Servicing Agreement dated as of April 25, 2000 (the “Transfer and Servicing Agreement”) by and between ARSC, as transferor, Cartus, as originator and servicer, CFC, as originator, the Issuer, as transferee and the Indenture Trustee;

          —Indenture Supplement dated as of January 31, 2005 (the “Indenture Supplement”) among the Issuer, the Indenture Trustee and the Paying Agent;

          —Note Purchase Agreement dated as of January 31, 2005 (the “Note Purchase Agreement”) among the Issuer, Cartus, as servicer, the Conduit Purchasers, Committed Purchasers and Managing Agents party thereto, and the Administrative Agent; and

     WHEREAS, the Transfer and Servicing Agreement, Indenture Supplement and the Note Purchase Agreement are, in this Agreement, collectively the “Affected Documents”;

     WHEREAS, terms used in this Agreement and not defined herein shall have the meanings assigned to such terms in the Purchase Agreement, and, if not defined therein, as defined in the Master Indenture.

     NOW, THEREFORE, the parties hereto hereby recognize and agree:

1.

Effective as of the date hereof, the Note Purchase Agreement is hereby amended as follows:

	a.		Section 1.01 is hereby amended to delete the definition of “Commitment Termination Date” in its entirety and to substitute therefor the following definition of “Commitment Termination Date”:
			“Commitment Termination Date” means November 27, 2007, or such later date to which the Termination Date may be extended in accordance with Section 2.11 of this Agreement.”
	b.		Schedule II is hereby amended to delete in its entirety and to substitute therefor the following:

SCHEDULE II

PURCHASER GROUP INFORMATION

Managing Agent		Conduit Purchaser(s)		Committed Purchaser(s)		Commitment(s)				Purchaser Group Limit
CALYON Corporate and Investment Bank		Atlantic Asset Securitization Corp.		Calyon New York Branch		$	206,818,182			$	206,818,182
BMO Capital Markets Corp.		Fairway Finance Company, LLC		The Bank of Montreal		$	177,272,727			$	177,272,727
The Bank of Tokyo-Mitsubishi UFJ, Ltd., New York Branch		Victory Receivables Corporation		The Bank of Tokyo-Mitsubishi UFJ, Ltd., New York Branch		$	118,181,818			$	118,181,818
The Bank of Nova Scotia		Liberty Street Funding Corp.		The Bank of Nova Scotia		$	147,727,273			$	147,727,273
SMBC Securities, Inc.		Manhattan Asset Funding Company LLC		Sumitomo Mitsui Banking Corporation		$	50,000,000			$	50,000,000

2.

Effective as of the date hereof, the Transfer and Servicing Agreement is hereby amended as follows:

a.

Section 1.01 is hereby amended to delete the definition of “Reported EBITDA”.

	b.		Section 9.01 is hereby amended to delete clause (f) in its entirety and to substitute therefor the following clause (f):
			“Realogy shall fail to have a long-term unsecured debt rating of BB- or better from Standard & Poors and Ba3 or better from Moody’s;”

3.

Effective as of the date hereof, the Indenture Supplement is hereby amended as follows:

	a.		Section 6.01(j) is hereby amended to delete the figure “one hundred fifty (150)” and to substitute therefor “one hundred eighty (180)”
	b.		Section 6.01(k) is hereby amended to delete the figure “one hundred twenty (120)” and to substitute therefor “one hundred fifty (150)”
	c.		Section 2.01 is hereby amended to delete the definition of “Yield Reserve Ratio” in its entirety and to substitute therefor the following definition of “Yield Reserve Ratio”:
			““Yield Reserve Ratio” shall mean, as of any date of determination, the quotient expressed as a percentage, of (a) the product of (i) the sum of (A) the product of (1) the Applicable Yield Factor multiplied by (2) the one-month Eurodollar Rate as of the last Business Day of the immediately preceding Monthly Period plus (B) 0.75% multiplied by (ii) 2.25 multiplied by the Average Days Outstanding as of the end of the immediately preceding Monthly Period divided by (b) 360. For purposes of the foregoing, the “Applicable Yield Factor” shall be 1.25, provided that if the Average Days in Inventory for Appraised Value Homes for any Monthly Period is equal to or greater than one hundred fifty (150) days, then commencing on such date the Applicable Yield Factor shall be 2.25 and shall continue to be 2.25 until such time as the Average Days in Inventory for Appraised Value Homes has been reduced to and remained below one hundred fifty (150) days for two (2) consecutive Monthly Periods.”

4.

Effective as of the date hereof, the Master Indenture is hereby amended as follows:

	a.		Obligor Limit: The definition of “Obligor Limit” is hereby amended to add the following proviso at the end of the first sentence therein:
			“, and provided, further, that notwithstanding the foregoing, with respect to Accenture Ltd., so long as Accenture Ltd. has (i) an unsecured long-term debt rating (or equivalent shadow rating) of “A+” or better from S&P and (ii) either no unsecured long-term rating from Moody’s or an unsecured long-term rating of “A1” or better from Moody’s, Accenture Ltd. shall have an Obligor Limit of 6% of the Aggregate Receivable Balance.”

5.

Conditions Precedent.

a.

This Agreement shall be effective upon satisfaction of the following conditions precedent: the Indenture Trustee shall have previously received (a) counterparts of the signature pages hereto executed by all parties hereto, (b) counterparts of the

			signature pages to the amended and restated Fee Letter (as defined in the Indenture Supplement) executed by all parties thereto, (c) the consent of the Majority Investors to the execution of this Agreement, which consent shall be evidenced by their execution of the signature pages attached to this Agreement, and (d) counterparts of an Assignment and Acceptance, executed by all of the Purchasers party hereto confirms the information set forth in Section 1(a) hereof.
	b.		The Issuer shall have caused to be executed and delivered to The Bank of New York, as authentication agent, (i) a Series 2005-1 Note in the amount of $50,000,000 payable to the order of SMBC Securities, Inc., as Managing Agent for its Purchaser Group, together with an Issuer Order requesting authentication of the same and (ii) a Series 2005-1 Note payable to The Bank of Tokyo-Mitsubishi UFJ, Ltd., New York Branch (“BTM”), as Managing Agent, in the amount of $118,181,818, together with an Issuer Order requesting authentication of the same upon BTM’s surrender to the Authentication Agent of its pre-existing Series 2005-1 Note. The Issuer further agrees, upon request from any other Managing Agent, to execute and deliver, and request the Authentication Agent to authenticate, a replacement Series 2005-1 Note payable to such Managing Agent in the amount of its new Purchaser Group Limit upon surrender of such Managing Agent’s pre-existing Series 2005-1 Note.

6.

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK, INCLUDING §5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW, BUT OTHERWISE WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES.

7.

This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same agreement.

8.

Upon the effectiveness of this Agreement: (i) all references in any Affected Document to “this Agreement”, “hereof”, “herein” or words of similar effect referring to such Affected Document shall be deemed to be references to such Affected Document as amended by this Agreement; (ii) each reference in any of the Affected Documents to any other Affected Document and each reference in any of the other Transaction Documents to any of the Affected Documents shall each mean and be a reference to such Affected Document as amended by this Agreement; and (iii) each reference in any Transaction Document to any of the terms or provisions of an Affected Document which are redefined or otherwise modified hereby shall mean and be a reference to such terms or provisions as redefined or otherwise modified by this Agreement; provided, that, notwithstanding the foregoing or any other provisions of this Agreement , the amendments contained in this Agreement shall not be effective to (x) modify on a retroactive basis any representations or warranties previously made under the Purchase Agreement, Receivables Purchase Agreement or Transfer and Servicing Agreement with respect to Receivables transferred or purported to have

		been transferred thereunder prior to the date herein, which representations and warranties shall continue to speak as of the dates such Receivables were transferred and based on the terms and provisions of the Affected Documents as in effect at such time or (y) otherwise modify the terms of any transfer or purported transfer of any Receivable transferred or purported to be transferred pursuant to the Purchase Agreement prior to the date herein.
9.		This Agreement shall not be deemed, either expressly or impliedly, to waive, amend or supplement any provision of the Affected Documents other than as set forth herein, each of which Affected Document, as modified hereby, remains in full force and effect and is hereby reaffirmed, ratified and confirmed.
10.		By its signature hereto each of the investors signing hereto as an Investor (constituting all of the Investors in Series 2005-1) hereby direct the Indenture Trustee to agree, consent to and accept this Agreement. For the purposes of the signature pages hereto, the term “Investor” is synonymous with the term “Noteholder” as defined in the Master Indenture.
11.		The Issuer represents and warrants that the Apple Ridge Funding, LLC Secured Variable Funding Notes, Series 2005-1 (the “Series 2005-1 Notes”) are the only Notes outstanding under the Master Indenture. Each Conduit Purchaser party hereto represents and warrants that (i) it is the beneficial owner of the Series 2005-1 Notes currently outstanding issued in its favor; (ii) it is duly authorized to consent to this Agreement and to direct the Indenture Trustee as set forth herein; and (iii) its authorization has not been granted or assigned to any other person or entity.

EXECUTION COPY

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the date first above written.

Signature Page to Fourth Omnibus Amendment
November 2006

Signature Page to Fourth Omnibus Amendment
November 2006

		CALYON CORPORATE AND INVESTMENT BANK, as Administrative Agent and a Managing Agent
		By:		/s/ Sam Pilcer
		Name: Sam Pilcer
		Title: Managing Director
		By:		/s/ Gary Miller
		Name: Gary Miller
		Title: Managing Director
		CALYON NEW YORK BRANCH, as a Committed Purchaser
		By:		/s/ Sam Pilcer
		Name: Sam Pilcer
		Title: Managing Director
		By:		/s/ Gary Miller
		Name: Gary Miller
		Title: Managing Director
		ATLANTIC ASSET SECURITIZATION LLC, as a Conduit Purchaser
		By:		/s/ Sam Pilcer
		Name: Sam Pilcer
		Title: Managing Director
		By:		/s/ Gary Miller
		Name: Gary Miller
		Title: Managing Director

Signature Page to Fourth Omnibus Amendment
November 2006

		BMO CAPITAL MARKETS CORP., as a Managing Agent
		By:		/s/ Brian T. Zaban
		Name: Brian T. Zaban
		Title: Vice President
		BANK OF MONTREAL, as a Committed Purchaser
		By:		/s/ Gary Herron
		Name: Gary Herron
		Title: Associate
		FAIRWAY FINANCE COMPANY, LLC, as a Conduit Purchaser
		By:		/s/ Amy S. Keith
		Name: Amy S. Keith
		Title: Vice President

Signature Page to Fourth Omnibus Amendment
November 2006

		THE BANK OF NOVA SCOTIA, as a Managing Agent and a Committed Purchaser
		By:		/s/ Norman Last
		Name: Norman Last
		Title: Managing Director
		LIBERTY STREET FUNDING CORP., as a Conduit Purchaser
		By:		/s/ Jill A. Gordon
		Name: Jill A. Gordon
		Title: Vice President

Signature Page to Fourth Omnibus Amendment
November 2006

		THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., New York Branch, as a Managing Agent
		By:		/s/ Aditya Reddy
		Name: Aditya Reddy
		Title: VP
		THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., New York Branch, as a Committed Purchaser
		By:		/s/ Chi-Cheng Chen
		Name: Chi-Cheng Chen
		Title: Authorized Signatory
		VICTORY RECEIVABLES CORPORATION, as a Conduit Purchaser
		By:		/s/ Franklin P. Collazo
		Name: Franklin P. Collazo
		Title Secretary

Signature Page to Fourth Omnibus Amendment
November 2006

		SMBC SECURITIES, INC., as a Managing Agent
		By:		/s/ Eric Zerof
		Name: Eric Zerof
		Title: President
		SUMITOMO MITSUI BANKING CORPORATION, as a Committed Purchaser
		By:		/s/ Shigeru Tsuru
		Name: Shigeru Tsuru
		Title: Joint General Manager

		MANHATTAN ASSET FUNDING COMPANY LLC, as a Conduit Purchaser
				By: MAF Receivables Corp., its Member
				By:		/s/ Philip A. Martone
				Name: Philip A Martone
				Title: Vice President

Signature Page to Fourth Omnibus Amendment
November 2006