Exhibit 10.73


                               THIRD AMENDMENT TO
                      UNSECURED REVOLVING CREDIT AGREEMENT


          This Third Amendment to Unsecured Revolving Credit Agreement, dated as
of June 20, 2001 (this  "Amendment"),  is entered  into by and between  HOMESIDE
LENDING,  INC., a Florida  corporation (the "Borrower"),  and NATIONAL AUSTRALIA
BANK LIMITED  A.C.N.004044937,  an  Australian  corporation  (the  "Lender") and
amends that certain  Unsecured  Revolving Credit Agreement  between Borrower and
Lender  dated as of June  23,  1998,  as  amended  by that  First  Amendment  to
Unsecured  Revolving  Credit Agreement dated as of June 22, 1999, and as amended
by the Second Amendment to Unsecured Revolving Credit Agreement dated as of June
21, 2000 (as amended, the "Agreement").


                                    Recitals

     Borrower  has  requested  that Lender  renew the loans as  described in the
Agreement and amend certain terms of the Agreement, and the Lender has agreed to
such request, upon the terms and subject to the conditions set forth herein.

     Therefore, in consideration of the premises and mutual agreements contained
herein,  and  for  other  good  and  valuable  consideration,  the  receipt  and
sufficiency of which is hereby acknowledged,  the parties hereto hereby agree as
follows:

     1.   Definitions.  All  terms  defined  in the  Agreement  shall  have such
          -----------
defined meanings when used herein unless otherwise defined herein.

     2.   Extension  of Maturity  Date.  The  definition of  "Maturity  Date" is
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hereby  deleted and replaced in its  entirety by the  following  new  definition
thereof:

          "Maturity  Date" means June 19, 2002 or such earlier date as the Loans
          may be due and payable pursuant to Section 4.

     3.   No  Further  Amendment.   Except  as  expressly  amended  herein,  the
          ----------------------
Agreement shall continue to be, and shall remain, in full force and effect. This
Amendment  shall  not  be  deemed  to  be a  waiver  of,  or  consent  to,  or a
modification or amendment of, any other term or condition of the Agreement or to
prejudice any other right or rights which the Lender may now have or may have in
the future under or in connection with the Agreement, as the same may be amended
from time to time.




     4.   Counterparts.  This  Amendment  may be executed by one or more  of the
          ------------
parties  hereto  in  any  number  of  separate  counterparts  and  all  of  said
counterparts  taken  together  shall be  deemed to  constitute  one and the same
instrument.

     5.   Governing  Law. This Amendment shall be governed by, and construed and
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interpreted in accordance with, the laws of the State of New York.


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


                                 HOMESIDE LENDING, INC.



                                 By:
                                     ----------------------------------------
                                          Its Authorized Officer



                                 NATIONAL AUSTRALIA BANK LIMITED
                                 A.C.N.004044937



                                 By:
                                      ---------------------------------------
                                          Its Authorized Officer









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