Document:

Amendment No. 2 to Amended and Restated Purchase and Sale Agreement

 Exhibit 10.34 
 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 5.1l(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 

  

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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. 
  

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 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 DirectorAmendment No. 3 to Amended and Restated Purchase and Sale Agreement

 Exhibit 10.35 
 EXECUTION COPY 
 Portions of this Exhibit 10.35 have been omitted based upon a request for confidential treatment.
This Exhibit 10.35, 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. 
 AMENDMENT NO. 3 TO AMENDED AND RESTATED 
 PURCHASE AND SALE AGREEMENT 
 THIS
AMENDMENT NO. 3 TO AMENDED AND RESTATED PURCHASE AND SALE AGREEMENT (this “Amendment”), dated as of April 20, 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(c) is hereby amended in its entirety to read as follows:

 (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 an Originating Lender and not reacquired by the Originator in connection with acquisitions under the related Originating Lender Sale Agreement); 
 2.2 Section 1.2(b) is hereby amended to replace the phrase “creation or origination” and its grammatical derivatives in each place
it appears therein with the phrase “creation, origination or acquisition”. 
 2.3 Schedule 1.1(b) to the Agreement is hereby
replaced with Annex A hereto: 
 2.4 Each reference to “Insurer” in the Agreement is hereby deleted, each reference to “Control
Party” is hereby amended to be a reference to “Majority Purchasers” and each phrase “(or if the Control Party is the Majority Purchasers, the Agent)” is hereby deleted. 
 2.5 Section 5.11 is hereby amended and restated in its entirety to read as follows: 
 (a) Each Receivable (together with the Related Rights) that is to be sold or contributed to the Company hereunder is or shall be owned by the Originator,
and in the case of the Receivables is free and clear of any Adverse Claim excepting only Permitted Liens. Whenever the Company makes a purchase or accepts a contribution hereunder, it shall have acquired a valid and perfected ownership interest (in
the case of the Receivables, free and clear of any Adverse Claim, excepting only Permitted Liens) in all Receivables generated or acquired by the Originator and all Collections related thereto, and in the Originator’s entire right, title and
interest in and to the other Related Rights with respect thereto. 

 (b) [*]. 
 2.6 Section 5.3(a)(ii) is hereby amended to replace the phrase “to generate” with the phrase “to generate, acquire”. 
 2.7 Schedule 5.13 is hereby updated to replace the address therein with the following address: 13085 Hamilton Crossing Blvd., Suite 310, Carmel,
Indiana 46032. 
 2.8 Section 6.3(a) is hereby amended to delete the phrase “or related Contract, Collections or Related
Security” therein. 
 2.9 Section 7.3 is hereby amended to add the phrase “with respect to the Receivables” after the
phrase “a perfected security interest in the items described in Section 1.5, in each case” in the first sentence therein. 
 2.10 Section 8.1(i) is hereby amended to add the phrase “and in the case of the Receivables” immediately prior to the phrase “free and clear of any Adverse Claim” in each instance in which such phrase occurs.

 2.11 Section 9.1 is hereby amended to (i) add the phrase “[*]” immediately prior to the phrase [*] in
subsection (d) thereof, and (ii) replace the first sentence of the last paragraph with the following: 
 [*]. 
  

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 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 are 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. 
  

 3 

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

  

			
	AFC FUNDING CORPORATION
		
	By:	 	 /s/ Cameron Hitchcock

	Name:	 	Cameron Hitchcock
	Title:	 	President
	
	AUTOMOTIVE FINANCE CORPORATION
		
	By:	 	 /s/ James E. Money, II

	Name:	 	James E. Money, II
	Title:	 	Vice President of Finance & Treasurer

			
	CONSENTED TO BY:
	
	 BMO CAPITAL MARKETS CORP.,
 as Agent

		
	By:	 	 /s/ John Pappano

	Name:	 	John Pappano
	Title:	 	Managing Director

 Annex A 
 Schedule 1.1(b) 
 Excluded Receivables 
 “Excluded Receivables” means any Receivable identified on Schedule 1.1(b) of the Purchase and Sale Agreement from time to time
and any right to payment under: [*].

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