Document:

Amendment No. 1 to Credit Agreement, dated as of August 8, 2011

 Exhibit 10.2 

AMENDMENT NO. 1 TO CREDIT AGREEMENT 
 AMENDMENT NO. 1 TO CREDIT AGREEMENT, dated as of August 8, 2011 (this “Amendment”), among AVAYA INC., a Delaware corporation (the “Parent Borrower”), the Subsidiary
Borrowers party hereto (together with the Parent Borrower, the “Borrowers”), CITICORP USA, INC., as Administrative Agent (in such capacity, the “Administrative Agent”) and the Lenders (as defined below) party
hereto. 
 PRELIMINARY STATEMENTS 
 A. The Borrowers, Avaya Holdings Corp. (formerly known as Sierra Holdings Corp.), a Delaware corporation, the Administrative Agent and each lender from time to time party thereto (the
“Lenders”) have entered into a Credit Agreement, dated as of October 26, 2007 (as amended, amended and restated, supplemented or otherwise modified from time to time through the date hereof, the “Credit
Agreement”). 
 B. The parties hereto wish to amend the Credit Agreement pursuant to Section 10.01 thereof to
extend the maturity of the Revolving Credit Facility. 
 C. The Lenders party hereto hold all of the Revolving Credit
Commitments under the Credit Agreement as of the date hereof and have agreed to extend the maturity of all of the Revolving Credit Commitments under the Credit Agreement in accordance with the terms and subject to the conditions set forth herein.

 NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration, the sufficiency and receipt
of all of which is hereby acknowledged, the parties hereto hereby agree as follows: 
 SECTION 1. Definitions.
Capitalized terms not otherwise defined in this Amendment have the same meanings as specified in the Credit Agreement. 

SECTION 2. Amendment. Effective as of the Amendment No. 1 Effective Date (as defined below), and subject to the terms and
conditions set forth herein, the Credit Agreement is hereby amended as follows: 
 (a) Section 1.01 of the Credit Agreement
is hereby amended by adding in the appropriate alphabetical order the following new definitions: 

“Amendment No. 1” means Amendment No. 1 to this Agreement, dated as of August 8, 2011,
among the Borrowers, the Administrative Agent and the Lenders party thereto. 
 (a) “Amendment No. 1 Effective
Date” has the meaning specified in Amendment No. 1. 
 (b) Section 1.01 of the Credit Agreement is hereby
amended by amending and restating in its entirety the definition of “Maturity Date” as follows: 

“Maturity Date” means the October 26, 2016; provided that if such day is not a Business Day, the Maturity
Date shall be the Business Day immediately preceding such day.” 

 SECTION 3. Conditions of Effectiveness. This Amendment shall become effective as of
the first date (such date being referred to as the “Amendment No. 1 Effective Date”) when each of the following conditions shall have been satisfied: 
 (a) Execution of Documents. The Administrative Agent shall have received this Amendment, duly executed and delivered by the Borrowers and each Lender, and (ii) a Guarantor Consent and
Reaffirmation, in the form of Annex A hereto, duly executed and delivered by each Guarantor. 
 (b) Legal Opinion.
The Administrative Agent shall have received a satisfactory legal opinion of counsel to the Borrowers addressed to it and the Lenders. 
 (c) No Default. Upon the effectiveness of this Amendment, no Default or Event of Default shall exist. 
 (d) Solvency Certificate. The Administrative Agent shall have received a certificate attesting to the Solvency of the Parent Borrower and its Restricted Subsidiaries (taken as a whole) on the
Amendment No. 1 Effective Date before and after giving effect to this Amendment No. 1, from the Chief Financial Officer or Treasurer of the Parent Borrower. 
 (e) PATRIOT Act. Each Lender shall have received at least 5 days prior to the Amendment No. 1 Effective Date all documentation and other information required by regulatory authorities with
respect to the Borrowers reasonably requested at least 10 Business Days prior to the Amendment No. 1 Effective Date by such Lender under applicable “know your customer” and anti-money laundering rules and regulations, including
without limitation the USA PATRIOT Act. 
 (f) Conditions With Respect to Mortgaged Properties. The Administrative Agent
shall have received (i) a completed “Life-of-Loan” Federal Emergency Management Agency Standard Flood Hazard Determination with respect to each Mortgaged Property and (ii) with respect to any such Mortgaged Property that is
located in a special flood hazard area, (x) a notice about special flood hazard area status and flood disaster assistance duly executed by the Parent Borrower and each Loan Party relating thereto and (y) a copy of, or a certificate as to
coverage under, the property and flood insurance policies required by Section 6.07 of the Credit Agreement and the applicable provisions of the Security Agreement, each of which shall include a loss payable or mortgagee endorsement (as
applicable) in form and substance consistent with such certificates previously delivered to the Administrative Agent. 
 (g)
Perfection Certificate and Lien Searches. The Administrative Agent shall have received (i) an updated perfection certificate with respect to the Loan Parties in form and substance consistent with such certificates previously delivered to
the Administrative Agent (other than with respect to intellectual property schedules to the perfection certificate, which shall continue to be updated in accordance with the terms of the Loan Documents) and (ii) copies of a recent Lien and
judgment search in each jurisdiction reasonably requested by the Administrative Agent with respect to the Loan Parties. 

SECTION 4. Representations and Warranties. Each Borrower represents and warrants as follows as of the date hereof: 

(a) The execution, delivery and performance by such Borrower of this Amendment have been duly authorized by all necessary corporate or
other organizational action. Neither the execution, delivery and performance by such Borrower of this Amendment will (a) contravene the terms of any of such Borrower’s Organization Documents, (b) result in any breach or contravention
of, or the creation of any Lien upon any of the property or assets of such Borrower or any of the Restricted 

  
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Subsidiaries (other than as permitted by Section 7.01 of the Credit Agreement) under (i) any Contractual Obligation to which such Borrower is a party or affecting such Borrower or the
properties of the such Borrower or any of its Restricted Subsidiaries or (ii) any order, injunction, writ or decree of any Governmental Authority or any arbitral award to which such Borrower or its property is subject; or (c) violate any
applicable material Law; except with respect to any breach, contravention or violation (but not creation of Liens) referred to in clauses (b) and (c), to the extent that such breach, contravention or violation would not reasonably be expected
to have a Material Adverse Effect. 
 (b) This Amendment has been duly executed and delivered by such Borrower. Each of this
Amendment, the Credit Agreement and each other Loan Document to which such Borrower is a party, after giving effect to the amendments pursuant to this Amendment, constitutes a legal, valid and binding obligation of such Borrower, enforceable against
such Borrower in accordance with its terms, except as such enforceability may be limited by Debtor Relief Laws and by general principles of equity and principles of good faith and fair dealing. 

(c) Upon the effectiveness of this Amendment, no Default or Event of Default shall exist. 

(d) Upon the effectiveness of this Amendment and after giving effect to the transactions contemplated hereby, the Parent Borrower and its
Restricted Subsidiaries, on a consolidated basis, are Solvent. 
 (e) Each of the representations and warranties of the Parent
Borrower and each other Loan Party contained in Article V of the Credit Agreement or any other Loan Document, is true and correct in all material respects on and as of the date hereof; provided that, to the extent that such representations
and warranties specifically refer to an earlier date, they are true and correct in all material respects as of such earlier date; provided, further, that any representation and warranty that is qualified as to “materiality,”
“Material Adverse Effect” or similar language is true and correct (after giving effect to any qualification therein) in all respects on such respective dates. 
 SECTION 5. Reference to and Effect on the Credit Agreement and the Loan Documents. 
 (a) Except as expressly set forth herein, this Amendment shall not by implication or otherwise limit, impair, constitute a waiver of, or otherwise affect the rights and remedies of the Lenders, the
Administrative Agent or the Borrowers under the Credit Agreement or any other Loan Document, and shall not alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or agreements contained in the Credit Agreement
or any other Loan Document, all of which are ratified and affirmed in all respects and shall continue in full force and effect. Without limiting the generality of the foregoing, the Collateral Documents and all of the Collateral described therein do
and shall continue to secure the payment of all Obligations of the Loan Parties under the Loan Documents, in each case, as amended by this Amendment. 
 (b) On and after the effectiveness of this Amendment, this Amendment shall for all purposes constitute a Loan Document. 
 SECTION 6. Post-Effectiveness Obligations. 
 (a) Within sixty
(60) days after the Amendment No. 1 Effective Date, unless waived or extended in writing by the Administrative Agent in its sole discretion, with respect to each Mortgaged Property, the Parent Borrower shall deliver or shall cause the
applicable Loan Party to deliver the 

  
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following (to the extent not otherwise delivered prior to the Amendment No. 1 Effective Date) to the Administrative Agent: 

 

	 	(i)	with respect to each Mortgage encumbering Mortgaged Property, an amendment (each, a “Mortgage Amendment”) duly executed and acknowledged by the
applicable Loan Party, and in form for recording in the recording office where such Mortgage was recorded, together with such certificates, affidavits, questionnaires or returns as shall be required in connection with the recording or filing thereof
under applicable law, in each case in form and substance reasonably satisfactory to the Administrative Agent; 

  

	 	(ii)	with respect to each Mortgage Amendment, an endorsement to the existing title insurance policy assuring the Administrative Agent that the Mortgage, as amended by the
Mortgage Amendment, is a valid and enforceable first priority lien on such Mortgaged Property in favor of the Administrative Agent (as appropriate) for the benefit of the Secured Parties free and clear of all liens except those liens created or
permitted by the Mortgage or by the Administrative Agent, and such endorsement to title insurance policy shall otherwise be in form and substance reasonably satisfactory to the Administrative Agent; 

 

	 	(iii)	with respect to each Mortgage Amendment, opinions of counsel to the Loan Parties, which opinions (x) shall be addressed to the Administrative Agent and each of the
Secured Parties, (y) shall cover (i) the due authorization, execution, delivery of such Mortgage Amendment and (ii) the enforceability of the respective Mortgage as amended by the Mortgage Amendment, and (x) shall otherwise be in
form and substance reasonably satisfactory to the Administrative Agent; and 

  

	 	(iv)	with respect to the Mortgaged Property, a copy of, or a certificate as to coverage under, the property insurance policies required by Section 6.07 of the Credit
Agreement and the applicable provisions of the Security Agreement, which shall include a mortgagee endorsement in form and substance consistent with such certificates previously delivered to the Administrative Agent. 

SECTION 7. Costs and Expenses. The Parent Borrower agrees to pay or reimburse the Administrative Agent pursuant to
Section 10.04 of the Credit Agreement. 
 SECTION 8. Execution in Counterparts. This Amendment may be executed in
one or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Delivery by facsimile or electronic transmission of an executed counterpart of a signature page to this
Amendment shall be effective as delivery of an original executed counterpart of this Amendment. 
 SECTION 9. Notices.
All communications and notices hereunder shall be given as provided in the Credit Agreement. 
 SECTION 10. Severability.
If any provision of this Amendment is held to be illegal, invalid or unenforceable, the legality, validity and enforceability of the remaining provisions of this Amendment and the other Loan Documents shall not be affected or impaired thereby. The
invalidity of a provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. 

  
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 SECTION 11. Successors. The terms of this Amendment shall be binding upon, and shall
inure for the benefit of, the parties hereto and their respective successors and assigns. 
 SECTION 12. Governing Law.
This Amendment shall be governed by, and construed in accordance with, the law of the State of New York. 
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remainder of this page is intentionally left blank] 

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

			
	AVAYA INC.
		
	By:	 	/s/ Matthew Booher
	Name:	 	Matthew Booher
	Title:	 	Vice President and Treasurer

  

			
	 AC TECHNOLOGIES, INC.

	 AVAYA CALA INC.

	 AVAYA EMEA LTD.

	 AVAYA FEDERAL SOLUTIONS, INC.

	 AVAYA GOVERNMENT SOLUTIONS INC.

	 AVAYA INTEGRATED CABINET SOLUTIONS INC.

	 AVAYA MANAGEMENT SERVICES INC.

	 AVAYA WORLD SERVICES INC.

	 INTEGRATED INFORMATION TECHNOLOGY CORPORATION

	 SIERRA ASIA PACIFIC INC.

	 TECHNOLOGY CORPORATION OF AMERICA, INC.

	 UBIQUITY SOFTWARE CORPORATION

	 VPNET TECHNOLOGIES, INC.

	 AVAYA HOLDINGS LLC

	 AVAYA HOLDINGS TWO, LLC

	 OCTEL COMMUNICATIONS LLC

		
	By:	 	/s/ Matthew Booher
	Name:	 	Matthew Booher
	Title:	 	Treasurer

 
			
	 CITICORP USA, INC.,

as Administrative Agent

		
	By:	 	/s/ Brendan Mackay
	Name:	 	Brendan Mackay
	Title:	 	Director

 
			
	BANK OF AMERICA, N.A.,
	as a Lender
		
	By:	 	/s/ James Foley
	Name:	 	James Foley
	Title:	 	Vice President

 
			
	 BARCLAYS BANK PLC,

as a Lender

		
	By:	 	/s/ Nicole Conjares
	Name:	 	Nicole Conjares
	Title:	 	AVP

 
			
	 CITICORP NORTH AMERICA, INC.,
 as a Lender

		
	By:	 	/s/ Brendan Mackay
	Name:	 	Brendan Mackay
	Title:	 	Director

 
					
	CREDIT SUISSE AG, Cayman Islands Branch,
	as a Lender
		
	By:	 	/s/ Doreen Barr
		 	Name:	 	Doreen Barr
		 	Title:	 	Director
		
	By:	 	/s/ Kevin Buddhdew
		 	Name:	 	Kevin Buddhdew
		 	Title:	 	Associate

 
					
	Deutsche Bank AG, New York Branch,
	as a Lender
		
	By:	 	/s/ Evelyn Thierry
		 	Name:	 	Evelyn Thierry
		 	Title:	 	Director
		
	By:	 	/s/ Omayra Laucella
		 	Name:	 	Omayra Laucella
		 	Title:	 	Vice President

 
					
	GOLDMAN SACHS LENDING PARTNERS LLC,
	as a Lender
		
	By:	 	/s/ Mark Walton
		 	Name:	 	Mark Walton
		 	Title:	 	Authorized Signatory

 
					
	JPMorgan Chase Bank, N.A.,
	as a Lender
		
	By:	 	/s/ Ann B. Kerns
		 	Name:	 	Ann B. Kerns
		 	Title:	 	Vice President

 
					
	MORGAN STANLEY SENIOR FUNDING, INC,
	as a Lender
		
	By:	 	/s/ Andrew Earls
		 	Name:	 	Andrew Earls
		 	Title:	 	VP

 
					
	UBS Loan Finance LLC,
	as a Lender
		
	By:	 	/s/ Irja R. Otsa
		 	Name:	 	Irja R. Otsa
		 	Title:	 	Associate Director
		
	By:	 	/s/ Joselin Fernandes
		 	Name:	 	Joselin Fernandes
		 	Title:	 	Associate Director

 
					
	WELLS FARGO CAPITAL FINANCE, LLC,
	as a Lender
		
	By:	 	/s/ Thomas Forbath
		 	Name:	 	Thomas Forbath
		 	Title:	 	Vice President

 ANNEX A 
 GUARANTOR CONSENT AND REAFFIRMATION 
 August 8, 2011 

Reference is made to Amendment No. 1 to Credit Agreement attached as Exhibit A hereto (the “Amendment”),
dated as of August 8, 2011 to the Credit Agreement dated as of October 26, 2007 (as amended, amended and restated, supplemented or otherwise modified prior to the date hereof, the “Credit Agreement”), among Avaya Inc. (the
“Parent Borrower”), the Subsidiary Borrowers party thereto, Avaya Holdings Corp. (formerly known as Sierra Holdings Corp.) (the “Guarantor”), Citicorp USA, Inc., as Administrative Agent and Swing Line Lender,
Citibank, N.A., as L/C Issuer, and each Lender from time to time party thereto. Capitalized terms used but not otherwise defined in this Guarantor Consent and Reaffirmation (this “Consent”) are used with the meanings attributed
thereto in the Amendment. 
 The Guarantor hereby consents to the execution, delivery and performance of the Amendment and
agrees that each reference to the Credit Agreement in the Loan Documents shall, on and after the Amendment No. 1 Effective Date, be deemed to be a reference to the Credit Agreement as amended by the Amendment. 

The Guarantor hereby acknowledges and agrees that, after giving effect to the Amendment, all of its obligations and liabilities under the
Loan Documents to which it is a party, as such obligations and liabilities have been amended by the Amendment, are reaffirmed, and remain in full force and effect. 
 After giving effect to the Amendment, the Guarantor reaffirms each Lien granted by it to the Administrative Agent for the benefit of the Secured Parties under each of the Loan Documents to which it is a
party, which Liens shall continue in full force and effect during the term of the Credit Agreement, and shall continue to secure the Obligations (after giving effect to the Amendment), in each case, on and subject to the terms and conditions set
forth in the Credit Agreement and the other Loan Documents. 
 Nothing in this Consent shall create or otherwise give rise to
any right to consent on the part of the Guarantor to the extent not required by the express terms of the Loan Documents. 
 This
Consent is a Loan Document and shall be governed by, and construed and interpreted in accordance with, the law of the state of New York. 

 IN WITNESS WHEREOF, the undersigned has duly executed this Consent as of the date first set
forth above. 
  

			
	AVAYA HOLDINGS CORP.
		
	By:	 	 
	Name:	 	
	Title:	 	

 Exhibit A to 
 Guarantor Consent and Reaffirmation 
 Amendment No. 1 to Credit
Agreement 
 [See attached]Amendment No. 2 to Residual Purchase Agreement

 Exhibit 10.4 
 Text Marked By [* * *] Has Been Omitted Pursuant To A Request For Confidential Treatment And Was 
 Filed Separately With The Securities And Exchange Commission. 
 AMENDMENT
NO. 2 TO RESIDUAL PURCHASE AGREEMENT 
 This Amendment No. 2 to Residual Purchase Agreement (this
“Amendment”), dated July 29, 2011 (“Effective Date”), is between Calpian, Inc., a Texas corporation (“Purchaser”), and Cooper and Schifrin, LLC, an Ohio limited liability company
(“Seller”) and amends that certain Residual Purchase Agreement between Purchaser and Seller dated December 31, 2010 as amended by Amendment No. 1 thereto dated January 25, 2011 (as previously amended, the
“Agreement”). Capitalized terms used herein but not otherwise defined herein shall have the meaning assigned to them in the Agreement. 
 RECITALS 
 A. Seller and Purchaser have entered into and consummated the
transactions contemplated by the Agreement, and now wish to amend the Agreement. 
 B. For good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 
 1. The Agreement is hereby
amended as follows: 
 Purchase and Sale of Residuals. Seller hereby exercises its right to sell additional Residuals pursuant to Exhibit
I of the Agreement, and Purchaser hereby agrees to purchase such Residuals (the “Additional Residuals”). To the extent of a conflict between the terms of Exhibit I of the Agreement and this Amendment, the provisions of this Amendment shall
control. For consideration of $280,000 cash being paid concurrently with the execution of this Amendment, the [* * *] under the Agreement is hereby increased from [* * *] to [* * *], such amount, as increased, shall be considered the [* * *] for all
purposes under the Agreement and the amount of the Additional Residuals is [* * *]. Purchaser and Seller shall amend the Escrow Agreement with the Escrow Agent to reflect the increased amount to be paid as the [* * *]. Purchaser shall receive the
payment for the increased amount of Purchased Residuals beginning with the payment made for the month of July 2011 (to be received in August 2011). The Agreement shall apply to the Additional Residuals in all respects as though the Additional
Residuals were part of the original transaction, except that any time periods in the Agreement shall, as they apply to the Additional Residuals, be computed from the Effective Date. All Representations and Warranties of Purchaser and Seller shall,
as to the Additional Residuals, be reaffirmed as of the Effective Date. In addition, the Additional Residuals shall be subject to the [* * *] set forth in EXHIBIT G of the Agreement for a period of forty two (42) months after acquisition of the
Additional Residuals. In consideration of the Seller’s [* * *] and Seller’s performance of the [* * *], Purchaser hereby agrees to issue to Seller concurrently with the execution of this Amendment an additional 12,308 shares of
Purchaser’s common stock, which shares shall be included in the definition of [* * *] under the Agreement for all purposes. In order to secure its [* * *] with respect to the additional [* * *], Seller does hereby grant Purchaser a security
interest in and to the 12,308 additional shares of [* * *] and Seller and Purchaser agree to enter into a stock pledge agreement in substantially the same form as already executed by the parties with respect to the security interest granted

 
hereunder. In addition, Seller shall execute and deliver a Subscription Agreement and a Lockup Agreement with respect to the additional shares of [* * *]. Purchaser agrees and acknowledges that
it will not impose any restrictions on transfer with respect to any stock issued to Seller under this Amendment other than under the aforementioned stock pledge agreement, the Subscription Agreement and the Lockup Agreement (if applicable) or under
applicable Federal and state securities laws. 
 2. The remainder of the Agreement shall be unchanged by this Amendment.

 Executed to be effective as of the Effective Date. 

 

	
	Cooper and Schifrin, LLC
	
	 /s/ Kevin Schifrin

	
	By: Kevin Schifrin
	
	Its: Managing Member
	
	Calpian, Inc.
	
	 /s/ Craig A. Jessen

	
	By: Craig A. Jessen
	
	Its: President

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