Document:

Exhibit 10.11

 EXHIBIT 10.11 
 BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF 
 VIRGINIA FINANCIAL GROUP, INC. 
 The following are the base salaries (on an annual basis) in effect as of January 1, 2006 of the current named executive officers of Virginia
Financial Group, Inc.: 
  

				
	 O. R. Barham, Jr.
Chairman and Chief Executive Officer
	  	$	 330,000
	 Jeffrey W. Farrar
Executive Vice President and Chief Financial Officer
	  	$	179,000
	 Litz Van Dyke
Executive Vice President and Chief Operating Officer
	  	$	205,758Sixth Amendment to 2002 Amended Servicing Agreement

 Exhibit 10.25 
  
 SIXTH AMENDMENT TO THE 2002 AMENDED SERVICING AGREEMENT 
  
 THIS AMENDMENT (“Amendment”) is made this 17th day of January, 2006 to that certain 2002 Amended Servicing Agreement
(“Agreement”) by and between BOSTON SERVICE COMPANY, INC. (“BSC”) and AUTO LENDERS LIQUIDATION CENTER, INC. (“Auto Lenders”). 
  
 BACKGROUND 
  
 BSC and Auto Lenders wish to amend the Amended Servicing Agreement by changing language in the Second Amendment to the 2002 Servicing Agreement and
inserting additional language to Paragraph 4 – Delivery & Reconditioning of Vehicles and by inserting the agreed upon Servicing Fee for calendar year 2008 within Paragraph 9. All other terms and conditions remain in full force and
effect. 
  
 Change to Fourth Amendment to the Amended Servicing
Agreement 
  
 Amendment to Paragraph 4 – Delivery and
Reconditioning of Vehicles 
  
 The paragraph will limit the
amount of reimbursed expense by BSC to Auto Lenders covering the period of 02/01/06 through 12/31/06 to $625,000 per month. This amount will only apply to invoices dated during the year 2006 and submitted for reimbursement. 
  
 Amendment to Paragraph 9 – Consideration 
  
 This paragraph shall be amended as it pertains to the Guarantee Fees found
under Paragraph B (iv) in which the agreed upon Guarantee Fee for the calendar year 2008 will appear as follows: 
  
 The Guarantee Fee will be $250,000 per month for the period 01/01/08 through 12/31/08. 
  
 IN WITNESS WHEREOF, BSC and Auto Lenders have caused this Sixth Amendment to the 2002 Amended Servicing Agreement to be executed by their
duly authorized corporate officers and their corporate seals to be affixed thereto the day and year written beneath their signatures below; each intending this Amendment shall become effective on the date first written above. 
  

									
	 	 	 	 	AUTO LENDERS LIQUIDATION CENTER, INC.
					
	 Attest:
	 	/s/    BEVERLEY SHOEMAKER        	 	 	 	 By:
	 	/s/    MICHAEL WIMMER        
	 	 	[Assistant] Secretary	 	 	 	Title:	 	Pres.
			
	 (Corp. Seal)
	 	 	 	 Dated: 1-17-06

  

									
	 	 	 	 	 BOSTON SERVICE COMPANY, INC. t/a
 HANN FINANCIAL SERVICE CORP.

					
	 Attest:
	 	/s/    LAURA FIELDS        	 	 	 	 By:
	 	/s/    CHARLES DOVICO        
	 	 	[Assistant] Secretary	 	 	 	Title:	 	President and CEO
			
	 (Corp. Seal)
	 	 	 	 Dated: 1/17/06Stock Replacement Program 2005

 Exhibit 10.1 
 Program Year 2005 
 Stock Replacement Program 
 Summary of Program Terms 
 Program Objectives

  

	•	Increase opportunity for Stericycle stock ownership 

	•	Provide an alternative means of deferring the tax obligation on incentive compensation 

 Program Overview 
 The Stock Option Replacement Program provides you an opportunity to defer current
taxation into the future and to increase your ownership in Stericycle. This Program allows you to receive Stericycle non-qualified stock options in lieu of all or a portion of any cash bonus that Stericycle otherwise would pay you. If you elect to
participate, you will receive an option to purchase $2.50 or more worth of Stericycle common stock for every $1 of your bonus that you elect to forego. The value of the Stericycle common stock is the fair market value at the date of the grant, which
is the option strike price. For example, if you elect to forego $10,000 of your bonus under this Program, you will receive options to purchase, at the option strike price, a number of shares equal to $25,000 divided by the conversion price (the
average closing price for the year) or, if lower, the fair market value at the date of the grant. 
 The Stock Option Replacement Program
provides participants with an excellent opportunity to accumulate wealth if Stericycle stock performs well. A stock investment includes a potential for significant gain as well as an investment risk. The program is designed to provide a $2.50 for $1
or greater replacement ratio or premium for risk because if you participate you will be trading potentially cash for uncertain investment gain. With the $2.50 for $1 or greater replacement ratio, your potential for gain depends on whether Stericycle
stock performs well. However, your risk is that Stericycle stock may not appreciate and you may not recover the amount of your cash bonus given up or match the earnings you could have received under an alternative investment. 
 Enrollment 
 ENCLOSED ELECTION FORM MUST BE COMPLETED AND RETURNED AS
INDICATED ON THE FORM. THIS FORM MUST BE COMPLETED AND RETURNED EVEN IF YOU ELECT NOT TO PARTICIPATE. 
 Program Design 
  

	•	Participants may elect to replace up to 100% of their cash bonuses (if any) (minimum of $1,000) with Stericycle non-qualified stock options 

  

	•	Eligibility: Grade level S11 and above as approved by Board of Directors 

	•	Replacement ratio, or premium for risk, is $2.50 or more for options to purchase Stericycle common stock for every $1 of cash bonus foregone. 

  

	•	Conversion price: will be the average closing price of Stericycle stock for the year or, the fair market value (the closing price) on the day of the option grant

  

	•	Option strike price: will be the fair market value (the closing price) of Stericycle stock on the day of the option grant. 

  

	•	Participants forego all or a portion of their cash bonuses (before any withholding that would have been taken out) to receive stock options. Generally, a participant will be taxed
at ordinary income rates on the option gain upon exercise of the stock options. Upon sale of the shares, any additional gain or loss will be taxed as a capital gain or loss if the requisite holding period under the tax law is met.

  

	•	An election to participate in this Program must be made by the election deadline to avoid constructive receipt and securities law restrictions. Election is irrevocable and cannot be
changed by the participant after the election deadline. 

  

	•	Participants vest in the stock options immediately. 

  

	•	Option term: 10 years – participants have 10 years from date of grant to exercise options. 

 In the event of death, disability, resignation, retirement, or other termination of employment (other than termination for cause), the stock option
remains exercisable until the end of the 10-year option term. 
 Any stock options you elect to receive will be issued under any available
Stericycle Stock Option Plan and the terms of that respective Plan and related Option Agreement will apply to your stock option.Stock Replacement Program 2006

 Exhibit 10.2 
 Program Year 2006 
 Stock Replacement Program 
 Summary of Program Terms 
 Program Objectives

  

	•	Increase opportunity for Stericycle stock ownership 

	•	Provide an alternative means of deferring the tax obligation on incentive compensation 

 Program Overview 
 The Stock Option Replacement Program provides you an opportunity to defer current
taxation into the future and to increase your ownership in Stericycle. This Program allows you to receive Stericycle non-qualified stock options in lieu of all or a portion of any cash bonus that Stericycle otherwise would pay you. If you elect to
participate, you will receive an option to purchase $2.50 or more worth of Stericycle common stock for every $1 of your bonus that you elect to forego. The value of the Stericycle common stock is the fair market value at the date of the grant, which
is the option strike price. For example, if you elect to forego $10,000 of your bonus under this Program, you will receive options to purchase, at the option strike price, a number of shares equal to $25,000 divided by the conversion price (the
average closing price for the year) or, if lower, the fair market value at the date of the grant. 
 The Stock Option Replacement Program
provides participants with an excellent opportunity to accumulate wealth if Stericycle stock performs well. A stock investment includes a potential for significant gain as well as an investment risk. The program is designed to provide a $2.50 for $1
or greater replacement ratio or premium for risk because if you participate you will be trading potentially cash for uncertain investment gain. With the $2.50 for $1 or greater replacement ratio, your potential for gain depends on whether Stericycle
stock performs well. However, your risk is that Stericycle stock may not appreciate and you may not recover the amount of your cash bonus given up or match the earnings you could have received under an alternative investment. 
 Enrollment 
 ENCLOSED ELECTION FORM MUST BE COMPLETED AND RETURNED AS
INDICATED ON THE FORM. THIS FORM MUST BE COMPLETED AND RETURNED EVEN IF YOU ELECT NOT TO PARTICIPATE. 
 Program Design 
  

	•	Participants may elect to replace up to 100% of their cash bonuses (if any) (minimum of $1,000) with Stericycle non-qualified stock options 

  

	•	Eligibility: Grade level S11 and above as approved by Board of Directors 

	•	Replacement ratio, or premium for risk, is $2.50 or more for options to purchase Stericycle common stock for every $1 of cash bonus foregone. 

  

	•	Conversion price: will be the average closing price of Stericycle stock for the year or, the fair market value (the closing price) on the day of the option grant

  

	•	Option strike price: will be the fair market value (the closing price) of Stericycle stock on the day of the option grant. 

  

	•	Participants forego all or a portion of their cash bonuses (before any withholding that would have been taken out) to receive stock options. Generally, a participant will be taxed
at ordinary income rates on the option gain upon exercise of the stock options. Upon sale of the shares, any additional gain or loss will be taxed as a capital gain or loss if the requisite holding period under the tax law is met.

  

	•	An election to participate in this Program must be made by the election deadline to avoid constructive receipt and securities law restrictions. Election is irrevocable and cannot be
changed by the participant after the election deadline. 

  

	•	Participants vest in the stock options immediately. 

  

	•	Option term: 10 years – participants have 10 years from date of grant to exercise options. 

 In the event of death, disability, resignation, retirement, or other termination of employment (other than termination for cause), the stock option
remains exercisable until the end of the 10-year option term. 
 Any stock options you elect to receive will be issued under any available
Stericycle Stock Option Plan and the terms of that respective Plan and related Option Agreement will apply to your stock option.

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