Document:

Exhibit 10.20  

AMENDMENT NO. 2 TO AMENDED AND RESTATED PURCHASE AND SALE AGREEMENT  

        THIS AMENDMENT NO. 2 TO AMENDED AND RESTATED PURCHASE AND SALE AGREEMENT (this "Amendment"), dated as of
January 18, 2007, is entered into between AFC FUNDING CORPORATION, an Indiana corporation (the "Company") and AUTOMOTIVE FINANCE CORPORATION, an
Indiana corporation (the "Originator"). 

R E C I T A L S 

        A.    The
Company and the Originator are parties to that certain Amended and Restated Purchase and Sale Agreement, dated as of May 31, 2002 (as amended, amended and
restated, supplemented or otherwise modified from time to time, the "Agreement"). 

        B.    The
Company and the Originator desire to amend the Agreement as hereinafter set forth. 

        NOW
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 

        1.    Certain Defined Terms.    Capitalized terms used but not defined herein have the meanings provided in the
Agreement. 

        2.    Amendments to Agreement.    The Agreement is amended as follows: 

	2.1
	Section 1.1(b)
and (c) are hereby amended in their entirety to read as follows:

	
(b)
	each
Receivable created, originated or acquired by the Originator from the opening of the Originator's business on the Original Closing Date to and including
the Purchase and Sale Termination Date (other than any Excluded Receivables identified from time to time on Schedule 1.1(b) and consented to by
the Agent, as such Schedule may be amended, supplemented or modified from time to time with the consent of the Agent);

	
(c)
	all
rights to, but not the obligations under, all Related Security (other than with respect to the Contributed Receivables and other than those rights assigned
by the Originator to First Bank and not reacquired by the Originator in connection with acquisitions under the First Bank Sale Agreement);

	2.2
	Section 1.2(b)
is hereby amended to replace the phrase "created or originated by the Originator" in each place it appears therein with the phrase "created, originated or
acquired by the Originator".

	2.3
	Section 1.5
is hereby amended in its entirety to read as follows: 

        It
is the express intent of the parties hereto that the transfers of the Receivables and Related Rights by the Originator to the Company, as contemplated by this Agreement be, and be
treated as, sales and not as secured loans secured by the Receivables and Related Rights. If, however, notwithstanding the intent of the parties, such transactions are deemed to be loans, the
Originator hereby grants to the Company a security interest in all of the Originator's right, title and interest in and to the Receivables and the Related Rights now existing and hereafter created,
arising or acquired, all monies due or to become due and all amounts received with respect thereto, and all proceeds thereof, to secure all of the Originator's obligations hereunder. 

	2.4
	Section 3.4(d)
is hereby amended to replace the phrase "previously generated by the Originator" with the phrase "previously generated or acquired by the Originator".

	2.5
	Section 5.11(b)
is hereby amended in its entirety to read as follows:

	
(b)
	No
effective financing statement or other instrument similar in effect covering any Receivable or any Related Right is on file in any recording office except
such as may be filed (i) in favor of AFC in accordance with the First Bank Sale Agreement, (ii) in favor of the Company in 

 

accordance
with this Agreement or (iii) in favor of the Agent for the benefit of Purchasers in accordance with the Receivables Purchase Agreement. 

	2.6
	Clauses (d)
and (e) of Section 9.1 are hereby amended to replace each reference to "generated by the Originator" therein with the phrase "generated or acquired by the
Originator". 

        3.    Representations and Warranties.    The Originator hereby represents and warrants to the Company as follows: 

        (a)    Representations and Warranties.    The representations and warranties of the Originator contained in
Article V of the Agreement are true and correct as of the date hereof (unless stated to relate solely to an earlier date, in which case such representations and warranties were true and correct
as of such earlier date). 

        (b)    Enforceability.    The execution and delivery by the Originator of this Amendment, and the performance of its
obligations under this Amendment and the Agreement, as amended hereby, are within its corporate powers and have been duly authorized by all necessary corporate action on its part. This Amendment and
the Agreement, as amended hereby, are its valid and legally binding obligations, enforceable in accordance with its terms. 

        (c)    Purchase and Sale Termination Event.    No Purchase and Sale Termination Event has occurred and is continuing. 

        4.    Effectiveness.    This Amendment shall become effective as of the date hereof upon receipt by the Agent of
counterparts of this Amendment duly executed and in form and substance satisfactory to the Agent. 

        5.    Effect of Amendment.    Except as expressly amended and modified by this Amendment, all provisions of the
Agreement shall remain in full force and effect. After this Amendment becomes effective, all references in the Agreement (or in any other Transaction Document) to "the Purchase and Sale Agreement,"
"this Agreement," "hereof," "herein" or words of similar effect, in each case referring to the Agreement, shall be deemed to be references to the Agreement as amended by this Amendment. This Amendment
shall not be deemed to expressly or impliedly waive, amend or supplement any provision of the Agreement other than as set forth herein. 

        6.    Counterparts.    This Amendment may be executed in any number of counterparts and by different parties on
separate counterparts, and each counterpart shall be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument. 

        7.    Governing Law.    This Amendment shall be governed by, and construed in accordance with, the internal laws of
the State of Indiana without reference to conflict of laws principles. 

        8.    Section Headings.    The various headings of this Amendment are inserted for convenience only and shall not
affect the meaning or interpretation of this Amendment or the Agreement or any provision hereof or thereof. 

2

        IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first above written. 

	 	 	 	 	AFC FUNDING CORPORATION
	

 	

 	

 	
 	

By:	

/s/  JAMES E. MONEY, II      

	 	 	 	 	Name:	James E. Money, II

	 	 	 	 	Title:	Assistant Treasurer / Controller

	

 	

 	

 	
 	

AUTOMOTIVE FINANCE CORPORATION
	

 	

 	

 	
 	

By	

/s/  CAMERON HITCHCOCK      

	 	 	 	 	Name:	Cameron Hitchcock

	 	 	 	 	Title:	President

	

CONSENTED TO BY:	
 	

 	

 
	

BMO CAPITAL MARKETS CORP., as Agent	
 	

 	

 
	

By:	

/s/  JOHN PAPPANO      
	
 	

 	

 
	 	Name:	John Pappano
	 	 	 
	 	Title:	Managing DirectorExhibit 10.24  

AMENDMENT NO. 3 TO SECOND AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT  

        Portions of this Exhibit 10.24 have been omitted based upon a request for confidential treatment. This Exhibit 10.24,
including the non-public information, has been filed separately with the Securities and Exchange Commission. "[*]" designates portions of this document that have been redacted
pursuant to the request for confidential treatment filed with the Securities and Exchange Commission.  

        THIS AMENDMENT NO. 3 dated as of November 16, 2005 to SECOND AMENDED AND RESTATED RECEIVABLES PURCHASE AGREEMENT (this
"Amendment") is entered into among AFC FUNDING CORPORATION, an Indiana corporation (the "Seller"),
AUTOMOTIVE FINANCE CORPORATION, an Indiana corporation (the "Servicer"), FAIRWAY FINANCE COMPANY, LLC (as successor to Fairway Finance
Corporation), a Delaware limited liability company (the "Purchaser"), and HARRIS NESBITT CORP. (as successor to BMO NESBITT BURNS CORP.), a Delaware
corporation, as agent for Purchaser and as the initial agent (the "Agent"). 

R E C I T A L S 

        A.    The
Seller, the Servicer, the Purchaser and the Agent are parties to that certain Second Amended and Restated Receivables Purchase Agreement dated as of June 15,
2004, as may be amended, amended and restated, supplemented or otherwise modified from time to time (the "Agreement"). 

        B.    The
Seller, the Servicer, the Purchaser and the Agent desire to amend the Agreement as hereinafter set forth. 

        NOW
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 

        1.    Certain Defined Terms.    Capitalized terms which are used herein without definition and that are defined in the
Agreement shall have the same meanings herein as in the Agreement. 

        2.    Amendments to Agreement.    The Agreement is amended as follows: 

	2.1
	Section 2.2
is hereby amended to add the following sentence to the end of such Section 2.2: "The Agent shall obtain confirmation of the then-current rating
of the Notes from S&P prior to waiving the occurrence of any Termination Event of the type described in clause (j) of Exhibit V hereto."

	2.2
	Schedule II
is amended in its entirety to read as set forth in Schedule II hereto.

	2.3
	Clause (n)
of Exhibit V to the Agreement and clause (o)(iii)(A) of Exhibit IV are each hereby amended to replace the
number [*] therein with the number [*].

	2.4
	Clause (q)(i)
of Exhibit IV to the Agreement is hereby amended to add the following sentence to the end of such clause: "The Seller shall obtain confirmation of the
then-current rating of the Notes from S&P prior to amending the Seller's articles of incorporation."

	2.5
	Clause (k)
to the definition of Eligible Receivable in Exhibit I to the Agreement is hereby amended in its entirety to read as follows: [*]

	2.6
	Clause (g)
of Exhibit IV to the Agreement is hereby amended to add the following sentence thereto: 

        Neither
the Seller nor the Servicer shall make any material change to its standard operating practices or procedures with respect to the Receivables Pool (including, by way of example,
its practice of granting waivers relative to the Credit and Collection Policy) without providing each Rating Agency and the Control Party prior written notice thereof to the extent such change would
impact a material portion of the Receivables Pool (for the avoidance of 

 

doubt,
any change which affects 10% of the Receivables Pool shall be considered a change which impacts a material portion of the Receivables Pool). 

        3.    Representations and Warranties.    Each of the Seller and the Servicer hereby represents and warrants to the
Agent and the Purchaser as follows: 

        (a)    Representations and Warranties.    The representations and warranties of such Person contained in  Exhibit III and
Exhibit VII to the Agreement are true and correct as of the date hereof
(unless stated to relate solely to an earlier date, in which case such representations and warranties were true and correct as of such earlier date). 

        (b)    Enforceability.    The execution and delivery by such Person of this Amendment, and the performance of its
obligations under this Amendment and the Agreement, as amended hereby, are within its corporate powers and have been duly authorized by all necessary corporate action on its part. This Amendment and
the Agreement, as amended hereby, are its valid and legally binding obligations, enforceable in accordance with its terms. 

        (c)    Termination Event.    No Termination Event or Unmatured Termination Event has occurred and is continuing. 

        4.    Effectiveness.    This Amendment shall become effective as of the date hereof upon receipt by the Agent of each
of the counterparts of this Amendment (whether by facsimile or otherwise) executed by each of the parties hereto. 

        5.    Effect of Amendment.    Except as expressly amended and modified by this Amendment, all provisions of the
Agreement shall remain in full force and effect. After this Amendment becomes effective, all references in the Agreement (or in any other Transaction Document) to "the Receivables Purchase
Agreement," "this Agreement," "hereof," "herein" or words of similar effect, in each case referring to the Agreement, shall be deemed to be references to the Agreement as amended by this Amendment.
This Amendment shall not be deemed to expressly or impliedly waive, amend or supplement any provision of the Agreement other than as set forth herein. 

        6.    Counterparts.    This Amendment may be executed in any number of counterparts and by different parties on
separate counterparts, and each counterpart shall be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument. 

        7.    Governing Law.    This Amendment shall be governed by, and construed in accordance with, the internal laws of
the State of Indiana without reference to conflict of laws principles. 

        8.    Section Headings.    The various headings of this Amendment are inserted for convenience only and shall not
affect the meaning or interpretation of this Amendment or the Agreement or any provision hereof or thereof. 

2

   
        IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first above written. 

	 	 	 	 	AFC FUNDING CORPORATION
	

 	

 	

 	
 	

By:	

/s/  CURTIS L. PHILLIPS      

	 	 	 	 	Name:	Curtis L. Phillips

	 	 	 	 	Title:	VP & Treasurer

	

 	

 	

 	
 	

AUTOMOTIVE FINANCE CORPORATION
	

 	

 	

 	
 	

By	

/s/  CURTIS L. PHILLIPS      

	 	 	 	 	Name:	Curtis L. Phillips

	 	 	 	 	Title:	VP & Treasurer

	

 	

 	

 	
 	

FAIRWAY FINANCE COMPANY, LLC
	

 	

 	

 	
 	

By:	

/s/  JILL A. GORDON      

	 	 	 	 	Name:	Jill A. Gordon

	 	 	 	 	Title:	Vice President

	

 	

 	

 	
 	

HARRIS NESBITT CORP.
	

 	

 	

 	
 	

By:	

/s/  JOHN PAPPANO      

	 	 	 	 	Name:	John Pappano

	 	 	 	 	Title:	Managing Director

	
Consented to:	
 	

 	

 
	

BANK OF MONTREAL	
 	

 	

 
	

By:	

/s/  AMY K. DUMSER      
	
 	

 	

 
	 	Name:	Amy K. Dumser	 	 	 
	 	Title:	Director	 	 	 

S-1

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