Document:

Exhibit
        4.8(d)

      

      THIRD
        AMENDMENT TO FINANCE AGREEMENT

      

      

      This
        Third Amendment to Finance Agreement (“Amendment”) is dated as of January 2,
        2007, by and between COASTAL CREDIT, L.L.C., a Virginia limited liability
        company with its principal office located at 3852 Virginia Beach Boulevard,
        Virginia Beach, Virginia 23452 (the “Borrower”) and WELLS FARGO FINANCIAL
        PREFERRED CAPITAL, INC., an Iowa corporation with its principal office located
        at 800 Walnut Street, Des Moines, Iowa 50309 (“WFFPC”).

      

      

      BACKGROUND

      

      A. On
        April
        16, 2001, Borrower and WFFPC entered into a certain Amended Finance Agreement
        (as amended or modified from time to time, the “Finance Agreement”) and related
        agreements, instruments and documents among Borrower and WFFPC (collectively,
        with the Finance Agreement referred to as the “Credit Documents”).

      

      B. Capitalized
        terms used but not defined in this Amendment shall have the meanings
        respectively ascribed to them in the Finance Agreement.

      

      C. Borrower
        and WFFPC desire to amend the Finance Agreement as provided herein.

      

      NOW,
        THEREFORE, the parties hereto, intending to be legally bound, hereby promise
        and
        agree as follows.

      

      AMENDMENTS

      

      

      1. CERTAIN
        DEFINITIONS.
        Section
        1.1 of the Finance Agreement is amended by deleting the prior definition
        of
“Stated Maturity Date” in its entirety and replacing it with the
        following:

      

      “Stated
        Maturity Date”
means
        December 31, 2011, as such date may be extended from time to time in accordance
        with the provisions of Section 2.4 of this Agreement.

      

      2. Interest.
        Section
        2.6 of the Finance Agreement is amended by deleting prior subparagraph 2.6(a)
        in
        its entirety and replacing it with the following:

      

      (a) In
        the
        absence of an Event of Default or Default hereunder, and prior to maturity,
        the
        outstanding balance of the Loan will bear interest at an annual rate determined
        in accordance with the following formula: 

       

       

      
        
           

        

        
           

          
            

          

        

        
           

        

      

      

      (i) Interest
        shall accrue at the Base Rate plus 2.60% during any calendar quarter immediately
        following the end of a quarter in which the Borrower’s Senior Debt to Capital
        Base Ratio is less than or equal to 2.5. 

      

      (ii) Interest
        shall accrue at the Base Rate plus 2.85% during any calendar quarter immediately
        following the end of a quarter in which the Borrower’s Senior Debt to Capital
        Base Ratio exceeds 2.5 but is less than or equal to 3.25. 

      

      (iii) Interest
        shall accrue at the Base Rate plus 3.10% during any calendar quarter immediately
        following the end of a quarter in which the Borrower’s Senior Debt to Capital
        Base Ratio exceeds 3.25. 

      

      Interest
        shall be payable monthly in arrears on the first day of each month commencing
        on
        the first such date after the first Advance under the Loan and continuing
        until
        the Commitment is terminated and Borrower’s indebtedness thereunder is paid in
        full. Interest as provided hereunder will be calculated on the basis of a
        360
        day year and the actual number of days elapsed.

      

      The
        rate
        of interest provided for hereunder is subject to increase or decrease when
        and
        as the Base Rate increases or decreases in an amount corresponding to the
        change
        in the Base Rate. Any such change in interest rate hereunder shall take effect
        the first day of the month following a change in the Base Rate.

      

      3. Legal
        and Filing Fees.
        Borrower agrees to pay immediately upon demand therefor, all legal fees and
        out-of-pocket expenses of WFFPC related to this Amendment, including the
        preparation, negotiation, documentation, execution, filing and delivery
        thereof.

      

      4. Acknowledgment
        of Indebtedness/Release.
        By its
        execution of this Agreement, Borrower acknowledges and agrees that as of
        January
        2, 2007, there was due and owing to WFFPC under the Finance Agreement the
        principal sum of $49,000,000 plus continually accruing interest, without
        defense
        or right of setoff or counterclaim of any kind. Borrower does hereby release
        WFFPC, its employees, officers, directors and agents from any and all liability
        for any act or failure to act or for any claim based upon any other theory
        of
        liability whether grounded in contract or tort or otherwise, whether known
        or
        unknown at this time, arising out of any matter occurring prior to the date
        of
        this Agreement. This Release shall be binding on the Borrower and its respective
        heirs, successors and assigns.

      

      5. Effectiveness
        Conditions.
        This
        Amendment shall be effective upon the completion of the following conditions
        precedent:

      

      a. Execution
        and delivery by Borrower of this Amendment to WFFPC;

       

       

      
        
           

        

        
          2

          
            

          

        

        
           

        

      

      

      b. Execution
        and delivery to WFFPC of a certified copy of Resolutions of Borrower’s managers
        authorizing the execution, delivery and performance of this Amendment and
        all
        other documents and instruments to be executed in connection with the Amendment;
        and designating the appropriate officers to execute and deliver this Amendment
        and all other documents and instruments to be executed in connection herewith;
        and

      

      c. Such
        other matters as WFFPC may require.

      

      6. Representations
        and Warranties.
        Borrower represents and warrants to WFFPC that:

      

      a. All
        warranties and representations made to WFFPC under the Finance Agreement
        are
        true and correct as of the date hereof;

      

      b. The
        execution and delivery by Borrower of this Amendment and the performance
        of it
        of the transactions herein contemplated (i) are and will be within its powers,
        (ii) have been authorized by all necessary company action, and (iii) are
        not and
        will not be in contravention of any order of any court or other agency of
        government, of law or any other indenture, agreement or undertaking to which
        Borrower is a party or by which the property of Borrower is bound, or be
        in
        conflict with, result in breach of, or constitute (with due notice and/or
        lapse
        of time) a default under any such indenture, agreement or undertaking or
        result
        in the imposition of any lien, charge or encumbrance of any nature on any
        of the
        properties of Borrower;

      

      c. This
        Amendment and any assignment, instrument, document, or agreement executed
        and
        delivered in connection herewith, will be valid, binding and enforceable
        in
        accordance with its respective terms; and

      

      d. No
        Default or Event of Default or any event which would constitute an Event
        of
        Default with the giving of notice or the passage of time, or both, has occurred
        under the Finance Agreement or any of the other Credit Documents.

      

      7. Collateral.
        As
        security for the payment of the obligations under the Finance Agreement and
        satisfaction by Borrower of all covenants and undertakings contained in the
        Finance Agreement, Borrower reconfirms the prior security interest and lien
        in
        and to all right, title and interest in and to the Collateral.

      

      8. Ratification
        of Existing Finance Agreement.
        Except
        as expressly set forth herein, all of the terms and conditions of the Finance
        Agreement are hereby ratified and confirmed and shall continue unchanged
        and in
        full force and effect. All references to the Finance Agreement shall mean
        the
        Finance Agreement as modified by this Amendment. 

       

       

      
        
           

        

        
          3

          
            

          

        

        
           

        

      

      

      9. Governing
        Law.
        This
        Amendment shall be governed by, construed and enforced in accordance with
        the
        laws of the State of Iowa, excluding its conflict of laws rules.

      

      10. Counterparts.
        This
        Amendment may be executed in any number of counterparts, each of which shall
        be
        an original and all of which shall constitute one agreement and it shall
        not be
        necessary in making proof of this Amendment to produce or account for more
        than
        one counterpart.

      

      11. This
        Amendment shall be incorporated into and deemed a part of the Finance
        Agreement. 

      

      IMPORTANT:
        READ BEFORE SIGNING. THE TERMS OF THIS AGREEMENT SHOULD BE READ CAREFULLY
        BECAUSE ONLY THOSE TERMS IN WRITING ARE ENFORCEABLE. NO OTHER TERMS OR ORAL
        PROMISES NOT CONTAINED IN THIS WRITTEN CONTRACT MAY BE LEGALLY ENFORCED.
        YOU MAY
        CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN
        AGREEMENT.

      

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

      

      
        	
                BORROWER:

              	
                COASTAL
                  CREDIT, L.L.C.

                 

              
	 	
                By:

              	
                /s/
                  William E. McKnight

              	 
	 	 	
                Name:  William
                  E. McKnight

              	 
	 	 	
                Title:  President

              	 
	 	 	 	 
	 	 	 	 
	
                LENDER:

              	
                WELLS
                  FARGO FINANCIAL PREFERRED CAPITAL, INC.

              
	 	 	 	 
	 	
                By:

              	
                /s/
                  Casey P. Johnson

              	 
	 	 	
                Name:  Casey
                  P. Johnson

              	 
	 	 	
                Title:  Senior
                  Vice-President

              	 

      

      
 

       

       

      4First Amendment to Unfunded Deferred Compensation Plan

    Exhibit
      10.30

     

    

     

    FIRST
      AMENDMENT TO UNFUNDED DEFERRED COMPENSATION

    PLAN
      FOR THE DIRECTORS OF LINCOLN BANK

    (AS
      AMENDED AND RESTATED EFFECTIVE JANUARY 1, 2005)

     

    This
      First Amendment to Unfunded Deferred Compensation Plan for the Directors of
      Lincoln Bank (as Amended and Restated Effective January 1, 2005) (the “Plan”) is
      hereby adopted as follows:

    1.  A
      new
      sentence shall be added at the end of paragraph 6(iii) to read in its entirety
      as follows:

     

    Notwithstanding
      anything to the contrary in the foregoing, a Director may make a change to
      the
      manner in which his deferred fees are to be distributed (including, but not
      limited to, changes in the time and form of payment of such deferred fees)
      if
      such change will not be treated as a change in the time or form of payment
      under
      Section 409A(a)(4) of the Code or an acceleration of a payment under Section
      409A(a)(3) of the Code pursuant to the transition rules set forth in IRS Notice
      2006-79.

     

    IN
      WITNESS WHEREOF, the parties have caused this First Amendment to Unfunded
      Deferred Compensation Plan for the Directors of Lincoln Bank (as Amended and
      Restated Effective January 1, 2005) to be executed as of this 19th day of
      December, 2006, effective as of January 1, 2005.

     

    
      	 	
              LINCOLN
                BANK

            
	 	 	 
	 	 	 
	 	
              By:

            	
              /s/
                Jerry R. Engle

            
	 	 	
              Jerry
                R. Engle

            
	 	 	 
	 	
              Title:

            	
              President

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