Document:

Bank Plan of Merger by and between Community Banks and Blue Ball National Bank

 Exhibit 10.2 
  
 PLAN OF MERGER 
  
 THIS BANK PLAN OF MERGER (“Bank Plan of Merger”) dated November 16, 2004, is by and between COMMUNITY BANKS, a Pennsylvania bank and trust
company (“Community Banks”) and BLUE BALL NATIONAL BANK, a national banking association (“Blue Ball”). 
  
 BACKGROUND 
  
 A. Community Banks is a wholly-owned subsidiary of Community Banks, Inc., a Pennsylvania corporation (“CMTY”). 
  
 B. Blue Ball is a wholly-owned subsidiary of PennRock Financial Services
Corp., a Pennsylvania corporation (“PRFS”). 
  
 C. CMTY
and PRFS have executed an Agreement dated November 15, 2004 (the “Agreement”). The Agreement provides for the merger of Blue Ball with and into Community Banks, with Community Banks surviving such merger, but only after closing of the
“Merger” provided for in the Agreement. After closing of the “Merger,” Community Banks and Blue Ball will each be direct wholly-owned subsidiaries of CMTY. This Bank Plan of Merger is being executed by Community Banks and Blue
Ball pursuant to the Agreement. 
  
 D. Capitalized terms used in
this Bank Plan of Merger that are not otherwise defined herein shall have the meanings given them in the Agreement. 
  
 In consideration of the premises and of the mutual covenants and agreements herein contained, and in accordance with the applicable laws and regulations
of the United States of America and the Commonwealth of Pennsylvania, Community Banks and Blue Ball, intending to be legally bound hereby, agree: 
  
 ARTICLE I - MERGER 
  
 Subject to the terms and conditions of this Bank Plan of Merger, and in accordance with the applicable laws and regulations of the United States of
America and the Commonwealth of Pennsylvania, on the Effective Date (as that term is defined in Article V hereof): 
  
 (a) Blue Ball shall merge with and into Community Banks, under the charter of Community Banks; 

 (b) the separate existence of Blue Ball shall cease; and 
  
 (c) Community Banks shall be the surviving bank. 
  
 Such transaction is referred to herein as the “Bank Merger,” and Community Banks,
as the surviving bank in the Bank Merger, is referred to herein as the “Surviving Bank.” 
  
 ARTICLE II - NAME AND BUSINESS OF BANK 
  
 The name of the Surviving Bank shall be Community Banks. The business of the Surviving Bank shall be that of a state, non-member bank with trust powers.
This business shall be conducted by the Surviving Bank at its main office which shall be located at 150 Market Square, Millersburg, Pennsylvania, and its legally established branches and other facilities. 
  
 ARTICLE III - ARTICLES OF ASSOCIATION AND BYLAWS 
  
 3.1 Articles of Incorporation. On and after the Effective Date, the
articles of Community Banks, as in effect immediately prior to the Effective Date, shall automatically be and remain the articles of incorporation of the Surviving Bank, until changed in accordance with applicable law, such articles of
incorporation, and the Surviving Bank’s bylaws. 
  
 3.2
Bylaws. On and after the Effective Date, the bylaws of Community Banks, as in effect immediately prior to the Effective Date, shall automatically be and remain the bylaws of the Surviving Bank, until changed in accordance with applicable law,
the Surviving Bank’s articles of association, and such bylaws. 
  
 ARTICLE IV - BOARD OF DIRECTORS AND OFFICERS 
  
 4.1 Board of Directors. On and after the Effective Date, (a) the directors of Community Banks duly elected and holding office immediately prior to the Effective Date and (b) those members of the Board of Directors of PRFS as of the
Effective Date who are not PRFS Nominees shall be the directors of the Surviving Bank, each to hold office until his or her successor is elected and qualified or otherwise in accordance with applicable law, the articles of incorporation and bylaws
of the Surviving Bank. 

 4.2 Officers. On and after the Effective Date, the officers of Community Banks duly elected and
holding office immediately prior to the Effective Date shall be the officers of the Surviving Bank, together with those officers of Blue Ball who have been offered and who have accepted positions of employment with Community Banks, and such other
officers as may be appointed from time to time, each to hold office until his or her successor is elected and qualified or otherwise in accordance with applicable law, the articles of association and bylaws of the Surviving Bank. 
  
 ARTICLE V - CONVERSION OF SHARES 
  
 5.1 Community Banks Capital Stock. Each share of Community Banks
capital stock issued and outstanding immediately prior to the Effective Date shall, on and after the Effective Date, continue to be issued and outstanding as a share of identical capital stock of the Surviving Bank. 
  
 5.2 Blue Ball Capital Stock. Each share of Blue Ball capital stock
issued and outstanding immediately prior to the Effective Date shall, on the Effective Date, be cancelled, and no cash, stock or other property shall be delivered in exchange therefor. 
  
 ARTICLE VI - EFFECTIVE DATE OF THE MERGER 
  
 The Bank Merger shall be effective at the time specified in the articles of merger filed with the Department of Banking of
the Commonwealth of Pennsylvania (the “Effective Date”). 
  
 ARTICLE VII - EFFECT OF THE MERGER 
  
 On the
Effective Date the separate existence of Blue Ball shall cease, and all of the property (real, personal and mixed), rights, powers, duties and obligations of Blue Ball shall be taken and deemed to be transferred to and vested in the Surviving Bank,
without further act or deed, as provided by applicable laws and regulations. 

 ARTICLE VIII - CONDITIONS PRECEDENT 
  
 The obligations of Community Banks and Blue Ball to effect the Bank Merger shall be subject to closing of the
“Merger” provided for in the Agreement. 
  
 ARTICLE IX
- TERMINATION 
  
 This Bank Plan of Merger shall terminate
automatically upon any termination of the Agreement in accordance with its terms; provided, however, that any such termination of this Bank Plan of Merger shall not relieve any party hereto from liability on account of a breach by such party of any
of the terms hereof or thereof. 
  
 ARTICLE X - AMENDMENT

  
 This Bank Plan of Merger may be amended at any time prior
to consummation of the Bank Merger, but only by an instrument in writing signed by duly authorized officers on behalf of the parties hereto. 
  
 ARTICLE XI - MISCELLANEOUS 
  
 11.1 Extensions; Waivers. Each party, by a written instrument signed by a duly authorized officer, may extend the time for the performance of any
of the obligations or other acts of the other party hereto and may waive compliance with any of the covenants, or performance of any of the obligations, of the other party contained in this Bank Plan of Merger. 
  
 11.2 Notices. Any notice or other communication required or permitted
under this Bank Plan of Merger shall be given, and shall be effective, in accordance with the provisions of Section 8.06 of the Agreement. 
  
 11.3 Captions. The headings of the several Articles herein are intended for convenience of reference only and are not intended to be part of, or to
affect the meaning or interpretation of, this Bank Plan of Merger. 

 11.4 Counterparts. For the convenience of the parties hereto, this Bank Plan of Merger may be
executed in several counterparts, each of which shall be deemed the original, but all of which together shall constitute one and the same instrument. 
  
 11.5 Governing Law. This Bank Plan of Merger shall be governed by and construed in accordance with applicable laws of the United States of America
and in accordance with the laws of the Commonwealth of Pennsylvania. 
  
 IN WITNESS WHEREOF, Community Banks and Blue Ball National Bank have caused this Bank Plan of Merger to be executed by their duly authorized officers on the date first written above, each pursuant to a resolution of its board of directors,
acting by a majority. 
  

							
	COMMUNITY BANKS	 	Attest:
				
	By:	 	 /s/ Eddie L. Dunklebarger

	 	By:	 	 /s/ Patricia E. Hoch

	 	 	 Eddie L. Dunklebarger
 Chairman, President and
CEO
	 	 	 	Patricia E. Hoch, Senior VP and Secretary
		
	BLUE BALL NATIONAL BANK	 	Attest:
				
	By:	 	 /s/ Melvin Pankuch

	 	 	 	 /s/ Robert K. Weaver

	 	 	Melvin Pankuch, President and CEO	 	 	 	Robert K. Weaver, SecretaryAmendment No. 1 to Amended and Restated 2000 Limited Omnibus and Incentive Plan

 Exhibit 4.5 
  

AMENDMENT NO. 1 
 TO

 AMENDED AND RESTATED 
 2000 LIMITED OMNIBUS AND INCENTIVE PLAN 
 FOR AMERICREDIT CORP. 
  
 Section 2 (“Definitions”) of the Amended and Restated 2000 Limited
Omnibus and Incentive Plan for AmeriCredit Corp. is hereby amended as follows: 
  
 (I) The definition of “Eligible Person” is hereby deleted in its entirety and replaced by the following: 
  
 “(o) “Eligible Person” shall mean Outside Directors, and those full time employees of the Company selected by the Committee.”

  
 (II) The definition of “Named Excluded Officer” is
hereby deleted in its entirety. 
  
 This Amendment No. 1 is
executed and effective this 6th day of August, 2004, pursuant to approval and authorization by the Stock Option/Compensation Committee of the Board of Directors. 
  

	
	 /s/ Chris A. Choate

	 Chris A. Choate, Executive Vice President,

	 Chief Legal Officer and SecretaryAmendment No. 17 dated as of  11/22/2004, to Indenture dated as of 10/18/2002

 EXHIBIT 10.2 
  
 AMENDMENT NO. 17 
  
 Dated as of November 22, 2004 
  
 THIS AMENDMENT NO. 17 (this “Amendment”) is entered into as of November 22, 2004 by and among EDUCATION FUNDING RESOURCES, LLC, (the
“Issuer”), EDUCATION LENDING SERVICES, INC. (the “Master Servicer”), CRC FUNDING, LLC, CAFCO, LLC and CHARTA, LLC (each a “Tranche A Conduit Lender”), certain of the financial institutions party to
the “Indenture” (as defined below) from time to time as “Tranche A Committed Lenders” (together with the Tranche A Conduit Lenders, the “Tranche A Lenders”), CITICORP NORTH AMERICA, INC., as agent for the Lenders
(the “Agent”), THE BANK OF NEW YORK TRUST COMPANY, NATIONAL ASSOCIATION, as indenture trustee (the “Indenture Trustee”) and FIFTH THIRD BANK, as eligible lender trustee (the “Eligible Lender
Trustee”). Capitalized terms used herein and not defined herein shall have the meanings given to such terms in the Indenture. 
  
 PRELIMINARY STATEMENTS 
  
 WHEREAS, the Issuer, the Master Servicer, the Tranche A Lenders, the other financial institutions from time to time party thereto as “Lenders”
(together with the Tranche A Lenders, the “Lenders”), the Agent, the Indenture Trustee and the Eligible Lender Trustee are parties to that certain Indenture dated as of October 18, 2002 (as amended, restated, supplemented or
otherwise modified from time to time, the “Indenture”); 
  
 WHEREAS, the Issuer has requested that the Tranche A Lenders and the Agent amend the Indenture and the Tranche A Lenders and the Agent have agreed to amend the Indenture on the terms and conditions set forth herein;
and 
  
 NOW THEREFORE, in consideration of the premises set forth
above, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows 
  
 SECTION 1. Amendments to the Indenture. Effective as of the “Amendment Effective Date” (as defined below) and subject to the satisfaction
of the conditions precedent set forth in Section 2 below: 
  
 (a) The definition of “Program Limit” contained in Appendix A to the Indenture is hereby amended and restated in its entirety to read as follows: 
  
 “Program Limit” means (i) for the period
from (and including) November 22, 2004 to (but excluding) the earlier of (A) March 21, 2005 or (B) such date requested by the Issuer and agreed to in writing by the Agent, an amount equal to $1,000,000,000 and (ii) otherwise, an amount equal to
$750,000,000. 

 (b) The definition of “Schedule of Commitments” contained in Appendix A
to the Indenture is hereby amended and restated in its entirety to read as follows: 
  
 “Schedule of Commitments” means Schedule I to Amendment No. 17, dated as of November 22, 2004, to the Agreement, as
the same may be amended, supplemented or otherwise modified from time to time. 
  
 SECTION 2. Amendment Effective Date. This Amendment shall become effective, as of the date first above written (the “Amendment Effective Date”), upon receipt by the Agent of (i) a signature
page duly executed by each of the Issuer, the Master Servicer, the Tranche A Lenders, the Agent, the Indenture Trustee and the Eligible Lender Trustee, (ii) a certificate of an authorized officer of the Issuer certifying resolutions of the Issuer
authorizing this Amendment, (iii) a certificate of an authorized officer of the Master Servicer certifying resolutions of the Master Servicer authorizing this Amendment, and (iv) the fees payable to the Agent pursuant to a letter dated certain
letter agreement dated as of the date hereof between the Issuer and the Agent. 
  
 SECTION 3. Covenants, Representations and Warranties of the Issuer and the Master Servicer. 
  
 (a) Upon the effectiveness of this Amendment, the Issuer and the Master Servicer each hereby reaffirms all covenants, representations and
warranties made by it in the Indenture and agrees that all such covenants, representations and warranties shall be deemed to have been re-made as of the Amendment Effective Date. 
  
 (b) As of the Amendment Effective Date, each of the Issuer and the Master Servicer represents and warrants
to the Lenders and the Agent that: 
  
 (1) the
representations and warranties made by it in the Indenture are true and correct with the same effect as if made on and as of the Amendment Effective Date (except to the extent such representations and warranties expressly refer to an earlier date,
in which case they were true and correct as of such earlier date); 
  
 (2) after giving effect to the amendments and waivers contained herein, no Unmatured Event of Termination or Event of Termination exists or will result from the execution of this Amendment; 
  
 (3) no event or circumstance has occurred since October 18,
2002 that has resulted, or could reasonably be expected to result in a Material Adverse Change; 
  
 (4) each of the Indenture and this Amendment has been duly authorized by proper corporate proceedings of the Issuer and the Master
Servicer and constitutes the legal, valid and binding obligation of the Issuer and the Master Servicer enforceable against the Issuer and the Master Servicer in accordance with its terms, except as enforceability may be limited by bankruptcy,
insolvency, 
  

 - 2 - 

 reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally
and general principles of equity which may limit the availability of equitable remedies; and 
  
 (5) this Amendment does not affect the enforceability of the Indenture against the Issuer or the Master Servicer, except as such
enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally and general principles of equity which may limit the availability of
equitable remedies. 
  
 SECTION 4. Effect on the Indenture.

  
 (a) On and after the Amendment Effective
Date, each reference in the Indenture to “this Indenture”, “this Agreement”, “hereunder”, “hereof”, “herein” or words of like import, and all references to the Indenture in any and all agreements,
instruments, documents, notes, certificates and other writings of every kind and nature shall be deemed to mean and be a reference to the Indenture as amended hereby. The Indenture and other documents, instruments and agreements executed and/or
delivered in connection therewith shall remain in full force and effect and are hereby ratified and confirmed. 
  
 (b) The execution, delivery and effectiveness of this Amendment shall not operate as a waiver of any right, power or remedy of the Lenders
or the Agent under the Indenture or any of the other Transaction Documents, nor constitute a waiver of any provision contained therein, except as specifically set forth herein. 
  
 (c) Each party hereto agrees and acknowledges that this Amendment constitutes a “Transaction
Document” under and as defined in the Indenture. 
  
 (d) Issuer hereby ratifies and reaffirms all of its payment and performance obligations, contingent or otherwise, under the Indenture and each of the other Transaction Documents and Issuer and the Eligible Lender Trustee hereby ratify and
reaffirm the grant of liens and security interests under the Indenture and confirm that such liens and security interests continue to secure the obligations under the Indenture and other Transaction Documents, including, without limitation, all
additional obligations resulting from or incurred pursuant to the Indenture, as amended hereby. 
  
 SECTION 5. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK (INCLUDING
SECTIONS 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW BUT OTHERWISE WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES). 
  
 SECTION 6. Execution in Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto in separate
counterparts, each of 
  

 - 3 - 

 which when so executed and delivered shall be deemed to be an original and all of which taken together shall constitute
but one and the same instrument. Delivery of an executed counterpart of this Amendment by facsimile shall be deemed as effective as delivery of an originally executed counterpart. Any party delivering an executed counterpart of this Amendment by
facsimile will also deliver an original executed counterpart, but the failure of any party to so deliver an original executed counterpart of this Amendment will not affect the validity or effectiveness of this Amendment. 
  
 SECTION 7. Successors and Assigns. This Amendment shall be binding
upon and shall inure to the benefit of each of the Issuer, the Master Servicer, the Lenders, the Agent, the Indenture Trustee, the Eligible Lender Trustee and their respective successors and assigns. 
  
 SECTION 8. Headings. Section headings in this Amendment are included
herein for convenience of reference only and shall not constitute a part of this Amendment for any other purpose. 
  
 SECTION 9. Agent’s Expenses. The Issuer agrees to promptly reimburse the Agent for all of the reasonable out-of-pocket expenses, including,
without limitation, legal fees, it has heretofore or hereafter incurred or incurs in connection with the preparation, negotiation and execution of this Amendment and all other instruments, documents and agreements executed and delivered in
connection with this Amendment. 
  
 SECTION 10.
Integration. This Amendment contains the entire understanding of the parties hereto with regard to the subject matter contained herein. This Amendment supersedes all prior or contemporaneous negotiations, promises, covenants, agreements and
representations of every nature whatsoever with respect to the matters referred to in this Amendment, all of which have become merged and finally integrated into this Amendment. Each of the parties hereto understands that in the event of any
subsequent litigation, controversy or dispute concerning any of the terms, conditions or provisions of this Amendment, no party shall be entitled to offer or introduce into evidence any oral promises or oral agreements between the parties relating
to the subject matter of this Amendment not included or referred to herein and not reflected by a writing included or referred to herein. 
  
 SECTION 11. No Course of Dealing. The Agent and the Tranche A Lenders have entered into this Amendment on the express understanding with the Issuer
and the Master Servicer that in entering into this Amendment the Agent and the Tranche A Lenders are not establishing any course of dealing with the Issuer or the Master Servicer. The Agent’s and the Tranche A Lenders’ rights to require
strict performance with all of the terms and conditions of the Indenture and the other Transaction Documents shall not in any way be impaired by the execution of this Amendment. None of the Agent and the Tranche A Lenders shall be obligated in any
manner to execute any further amendments or waivers and if such waivers or amendments are requested in the future, assuming the terms and conditions thereof are satisfactory to them, the Agent and the Tranche A Lenders may require the payment of
fees in connection therewith. 
  
 [REMAINDER OF PAGE INTENTIONALLY
LEFT BLANK] 
  

 - 4 - 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed on the date first set
forth above by their respective officers thereto duly authorized, to be effective as hereinabove provided. 
  

			
	 EDUCATION FUNDING RESOURCES, LLC,

	 as Issuer

		
	 By:
	 	 /s/ Perry D. Moore

	 Name:
	 	 Perry D. Moore

	 Title:
	 	 EVP Finance

	
	 EDUCATION LENDING SERVICES, INC.,

	 as Master Servicer

		
	 By:
	 	 /s/ Perry D. Moore

	 Name:
	 	 Perry D. Moore

	 Title:
	 	 EVP Finance

  
 Amendment No.
17 to Indenture 

			
	 CRC FUNDING, LLC (as successor to CORPORATE
 RECEIVABLES CORPORATION),

	 as a Conduit Lender

		
	 By:
	 	 CITICORP NORTH AMERICA, INC.,

	 	 	 its attorney-in-fact

		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

	
	CAFCO, LLC (as successor to CORPORATE ASSET FUNDING COMPANY, INC.),
	 as a Conduit Lender

		
	 By:
	 	 CITICORP NORTH AMERICA, INC.,

	 	 	 its attorney-in-fact

		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

	
	 CHARTA, LLC,

	 as a Conduit Lender

		
	 By:
	 	 CITICORP NORTH AMERICA, INC.,

	 	 	 its attorney-in-fact

		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

  
 Amendment No.
17 to Indenture 

			
	 CITIBANK, N.A.,

	 as a Committed Lender with respect to CRC

	 Funding, LLC

		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

	
	 CITIBANK, N.A.,

	 as a Committed Lender with respect to CAFCO, LLC

		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

	
	 CITIBANK, N.A.,

	as a Committed Lender with respect to CHARTA, LLC
		
	 By:
	 	 /s/ Roger W. Saylor

	 Name:
	 	 Roger W. Saylor

	 Title:
	 	 Director and Vice President

  
 Amendment No.
17 to Indenture 

			
	 CITICORP NORTH AMERICA, INC.,

	as Agent
		
	By:	 	 /s/ Roger W. Saylor

	Name:	 	Roger W. Saylor
	Title:	 	Director and Vice President
	
	FIFTH THIRD BANK,
	as Eligible Lender Trustee
		
	By:	 	 /s/ Craig W. Tuley

	Name:	 	Craig W. Tuley
	Title:	 	Vice President
	
	THE BANK OF NEW YORK TRUST COMPANY, NATIONAL ASSOCIATION,
	as Indenture Trustee
		
	By:	 	 /s/ Sally R. Tokich

	Name:	 	Sally R. Tokich
	Title:	 	Assistant Vice President

  
 Amendment No.
17 to Indenture

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