CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP.

                                   Depositor,









                               ABFS 2002-4, INC.,

                              Unaffiliated Seller









                                       and









                         AMERICAN BUSINESS CREDIT, INC.

              HOMEAMERICAN CREDIT, INC., D/B/A UPLAND MORTGAGE, and

                    AMERICAN BUSINESS MORTGAGE SERVICES, INC.

                                   Originators









                           ---------------------------









                         UNAFFILIATED SELLER'S AGREEMENT





                          Dated as of December 1, 2002



<PAGE>





                                TABLE OF CONTENTS

<TABLE>

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<S>            <C>                                                                              <C>

                                                                                                Page



                                             ARTICLE I



                                            DEFINITIONS



Section 1.01.  Definitions.........................................................................1



                                             ARTICLE II



                          PURCHASE, SALE AND CONVEYANCE OF MORTGAGE LOANS



Section 2.01.  Agreement to Purchase the Initial Mortgage Loans....................................2

Section 2.02.  Agreement to Purchase the Subsequent Mortgage Loans.................................3

Section 2.03.  Purchase Price......................................................................3

Section 2.04.  Conveyance of Mortgage Loans; Possession of Mortgage Files..........................4

Section 2.05.  Delivery of Mortgage Loan Documents.................................................5

Section 2.06.  Acceptance of Mortgage Loans........................................................6

Section 2.07.  Sale of Mortgage Loans; Assignment of Agreement.....................................7

Section 2.08.  Examination of Mortgage Files.......................................................8

Section 2.09.  Books and Records...................................................................8

Section 2.10.  Cost of Delivery and Recordation of Documents.......................................8



                                            ARTICLE III



                                   REPRESENTATIONS AND WARRANTIES



Section 3.01.  Representations and Warranties as to the Originators................................8

Section 3.02.  Representations and Warranties as to the Unaffiliated Seller.......................10

Section 3.03.  Representations and Warranties Relating to the Mortgage Loans......................12

Section 3.04.  Representations and Warranties of the Depositor....................................21

Section 3.05.  Repurchase Obligation for Defective Documentation and for Breach of a

                  Representation or Warranty......................................................22

Section 3.06.  Limited Purpose and Corporate Separateness of the Unaffiliated Seller..............25



                                             ARTICLE IV



                                      THE UNAFFILIATED SELLER



Section 4.01.  Covenants of the Originators and the Unaffiliated Seller...........................27

Section 4.02.  Merger or Consolidation............................................................27

Section 4.03.  Costs..............................................................................27

Section 4.04.  Indemnification....................................................................28

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                                    i



<PAGE>



                                             ARTICLE V



                                       CONDITIONS OF CLOSING



<TABLE>

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<S>            <C>                                                                              <C>

Section 5.01.  Conditions of Depositor's Obligations..............................................28

Section 5.02.  Conditions of Unaffiliated Seller's Obligations....................................30

Section 5.03.  Termination of Depositor's Obligations.............................................30



                                             ARTICLE VI



                                           MISCELLANEOUS



Section 6.01.  Notices............................................................................31

Section 6.02.  Severability of Provisions.........................................................31

Section 6.03.  Agreement of Unaffiliated Seller...................................................31

Section 6.04.  Survival...........................................................................31

Section 6.05.  Effect of Headings and Table of Contents...........................................31

Section 6.06.  Successors and Assigns.............................................................31

Section 6.07.  Confirmation of Intent; Grant of Security Interest.................................32

Section 6.08.  Miscellaneous......................................................................32

Section 6.09.  Amendments.........................................................................32

Section 6.10.  Third-Party Beneficiaries..........................................................33

Section 6.11.  GOVERNING LAW; CONSENT TO JURISDICTION; WAIVER OF JURY TRIAL.......................33

Section 6.12.  Execution in Counterparts..........................................................34





Exhibit A - Mortgage Loan Schedule

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                                       ii



<PAGE>





         THIS UNAFFILIATED SELLER'S AGREEMENT, dated as of December 1, 2002, by

and among CREDIT SUISSE FIRST BOSTON MORTGAGE SECURITIES CORP., a Delaware

corporation, its successors and assigns (the "Depositor"), ABFS 2002-4, INC., a

Delaware corporation and its successors (the "Unaffiliated Seller"), AMERICAN

BUSINESS CREDIT, INC., a Pennsylvania corporation ("ABC"), HOMEAMERICAN CREDIT,

INC. D/B/A UPLAND MORTGAGE, a Pennsylvania corporation ("Upland"), and AMERICAN

BUSINESS MORTGAGE SERVICES, INC., a New Jersey corporation ("ABMS", and together

with ABC and Upland, the "Originators").



         WHEREAS, Exhibit A attached hereto and made a part hereof lists certain

fixed rate business purpose and consumer purpose first and second lien mortgage

loans (the "Mortgage Loans") owned by the Originators that the Originators

desire to sell to the Unaffiliated Seller and the Unaffiliated Seller desires to

sell to the Depositor and that the Depositor desires to purchase; and



         WHEREAS, it is the intention of the Originators, the Unaffiliated

Seller and the Depositor that simultaneously with the Originators' conveyance of

the Mortgage Loans to the Unaffiliated Seller and the Unaffiliated Seller's

conveyance of the Mortgage Loans to the Depositor on the Closing Date, (a) the

Depositor shall sell the Mortgage Loans to the ABFS Mortgage Loan Trust 2002-4

(the "Trust"), pursuant to a Pooling and Servicing Agreement to be dated as of

December 1, 2002 (the "Pooling and Servicing Agreement"), to be entered into by

and among the Depositor, as depositor, American Business Credit, Inc., as

servicer (in such capacity, the "Servicer") and JPMorgan Chase Bank, as trustee,

collateral agent and back-up servicer (in each such capacity, as applicable, the

"Trustee", the "Collateral Agent" and the "Back-up Servicer") and (b) the Trust

shall issue certificates evidencing beneficial ownership interests in the

property of the trust fund formed by the Pooling and Servicing Agreement to the

Depositor.



         NOW, THEREFORE, in consideration of the premises and the mutual

agreements hereinafter set forth, the parties hereto agree as follows:



                                   ARTICLE I



                                   DEFINITIONS



         Section 1.01. Definitions. Whenever used herein, the following words

and phrases, unless the context otherwise requires, shall have the meanings

specified in this Article I:



         "Agreement" means this Unaffiliated Seller's Agreement, as amended or

supplemented in accordance with the provisions hereof.



         "Prospectus" means the Prospectus dated September 20, 2002 relating to

the offering by the Depositor from time to time of its Mortgage Pass-Through

Certificates (Issuable in Series) in the form in which it was or will be filed

with the Commission pursuant to Rule 424(b) under the Securities Act with

respect to the offer and sale of the Certificates.



         "Prospectus Supplement" means the Prospectus Supplement dated December

18, 2002, relating to the offering of the Certificates in the form in which it

was or will be filed with the Commission pursuant to Rule 424(b) under the

Securities Act with respect to the offer and sale of the Certificates.



         "Registration Statement" means that certain registration statement on

Form S-3, as amended (Registration No. 333-77054) relating to the offering by

the Depositor from time to time of its Mortgage Pass-Through Certificates

(Issuable in Series) as heretofore declared effective by the Commission.







<PAGE>



         "Securities Act" means the Securities Act of 1933, as amended.



         "Termination Event" means the existence of any one or more of the

following conditions:



         (a) a stop order suspending the effectiveness of the Registration

     Statement shall have been issued or a proceeding for that purpose shall

     have been initiated or threatened by the Commission; or



         (b) subsequent to the execution and delivery of this Agreement, a

     downgrading, or public notification of a possible change, without

     indication of direction, shall have occurred in the rating afforded any of

     the debt securities or claims paying ability of any person providing any

     form of credit enhancement for any of the Certificates, by any "nationally

     recognized statistical rating organization," as that term is defined by the

     Commission for purposes of Rule 436(g)(2) under the Securities Act; or



         (c) subsequent to the execution and delivery of this Agreement, there

     shall have occurred an adverse change in the condition, financial or

     otherwise, earnings, affairs, regulatory situation or business prospects of

     the Unaffiliated Seller reasonably determined by the Depositor to be

     material; or



         (d) subsequent to the date of this Agreement there shall have occurred

     any of the following: (i) a suspension or material limitation in trading in

     securities substantially similar to the Certificates; (ii) a general

     moratorium on commercial banking activities in the State of New York

     declared by either Federal or New York State authorities; or (iii) the

     engagement by the United States in hostilities, or the escalation of such

     hostilities, or any calamity or crisis, if the effect of any such event

     specified in this clause (iii) in the judgment of the Depositor makes it

     impracticable or inadvisable to proceed with the public offering or the

     delivery of the Certificates on the terms and in the manner contemplated in

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