Document:

Guaranty, dated as of March 28, 2012

 Exhibit 10.2 
 GUARANTY 
 This Guaranty is made by Ameren Corporation, a Missouri
corporation, (the “Guarantor”), in favor of Ameren Energy Generating Company (“GENCO”). 
 WHEREAS, GENCO
has entered into a Put Option Agreement dated March 28, 2012 (the “Put Agreement”), and may enter into an Asset Purchase Agreement (“Purchase Agreement”) at a future date as provided in the Put Agreement with
Guarantor’s indirect subsidiary, AmerenEnergy Resources Generating Company, an Illinois corporation, (“AERG”) (hereinafter the Put Agreement and Purchase Agreement are individually and collectively referred to as
“Agreements”); 
 WHEREAS, as a condition of such Agreements, Guarantor is entering into this Guaranty; and

 WHEREAS, Guarantor, as the indirect parent corporation of AERG and by virtue of its interest in and relationship with AERG,
deems it to be in Guarantor’s best interest, based on sound business judgment, in that valuable benefits will be derived by Guarantor by virtue of the Agreements, to execute and deliver this Guaranty to GENCO. 

NOW, THEREFORE, in order to satisfy the aforesaid condition of the Agreements, and further, in order for Guarantor to obtain the benefits
resulting from GENCO’s performance pursuant to the Agreements, Guarantor desires to enter into this Guaranty and hereby agrees as follows: 
  

	 	1.	Guaranty. Guarantor hereby guarantees, subject to the limitations set forth in paragraphs 4 and 9 below, the prompt payment when due of all sums hereafter owed
by AERG to GENCO under the terms of the Agreements (such obligations are herein referred to as the “Agreement Obligations”). 

  

	 	2.	Amendments. No amendment of this Guaranty shall be effective unless signed by Guarantor and GENCO. No waiver by GENCO of any provision of this Guaranty nor
consent to any departure by Guarantor therefrom shall in any event be effective unless the same shall be in writing and signed by GENCO, and then such waiver or consent shall be effective only in the specific instance and for the specific purpose
for which given. 

  

	 	3.	Addresses for Notices. All notices and other communications provided for hereunder shall, unless otherwise specifically provided elsewhere herein, (i) be in
writing and shall be addressed to the parties at their respective addresses set forth below or at such other addresses as shall be designated in a written notice to the other party, and (ii) when mailed, be effective five (5) business days
after being deposited in the U.S. mail, registered or certified, return receipt requested, postage prepaid, or, in the case of personal delivery, when delivered at the following addresses: 

			
	    if to the Guarantor:
	  	Ameren Corporation
		  	Attn: Treasurer
		  	1901 Chouteau Ave., MC 1030
		  	St. Louis, MO 63103
		
	    if to AERG:
	  	AmerenEnergy Resources Generating Company
		  	c/o Ameren Services Company
		  	Attn: Director of Credit
		  	1901 Chouteau Ave., MC 960
		  	St. Louis, MO 63103
		
	    if to GENCO:
	  	Ameren Energy Generating Company
		  	c/o Ameren Services Company
		  	Attn: Director of Credit
		  	1901 Chouteau Ave., MC 960
		  	St. Louis, MO 63103

  

	 	4.	Non-waiver of Claim or Defense Under the Agreement. Nothing contained herein shall constitute a waiver, discharge or release of any claim or defense, whether it
or they be at law, equity or otherwise, that the Guarantor or AERG has, or at any other time hereafter, will have against GENCO with respect to, or relating in any way, to (i) GENCO’s performance under the Agreements or
(ii) Guarantor’s or AERG’s obligation to pay the Agreement Obligations. In the event and for the duration that Guarantor assumes the Agreement Obligations, Guarantor shall be entitled to and enjoy all the rights, defenses and benefits
to which AERG is entitled or may become entitled under the Agreements. 

  

	 	5.	Release of Guarantor. Upon the satisfaction by the Guarantor or AERG of all Agreement Obligations for the benefit of GENCO, Guarantor shall be released from any
and all future claims and rights of GENCO against AERG with the exception of any payment rescinded and returned by GENCO relative to a proceeding set forth in paragraph 7 (a) below. 

 

	 	6.	Subrogation. Guarantor shall be subrogated to all rights of GENCO against AERG upon payment or satisfaction of all Agreement Obligations owing to GENCO.

  

	 	7.	Effect of Certain Events. Guarantor agrees that Guarantor’s liability hereunder will not be released, reduced or impaired by the occurrence of any one or
more of the following events: 

  

	 	(a)	the insolvency, bankruptcy, reorganization, release, receivership or discharge of AERG; or 

 

	 	(b)	the renewal, consolidation, extension, modification or amendment from time to time of the Agreements. 

  
 2 

	 	8.	Waiver. Guarantor hereby waives notice of acceptance of this Guaranty, creation or change of the amount of the Agreement Obligations, dishonor, nonpayment,
protest and presentment. 

  

	 	9.	Term. This Guaranty shall remain in full force and effect until the Agreements are terminated and no Agreement Obligations of AERG remain.

  

	 	10.	Successors and Assigns. This Guaranty shall inure to the benefit of GENCO, its successors and assigns. The Guarantor may assign its obligations under this
Guaranty only with the prior written consent of GENCO. 

  

	 	11.	Governing Law and Jurisdiction. THE VALIDITY, CONSTRUCTION, INTERPRETATION AND EFFECT OF THIS GUARANTY SHALL BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK
UNLESS OTHERWISE PROVIDED HEREIN. The state courts located in St. Louis County, Missouri or the U.S. District Court, Eastern District of Missouri, Eastern Division, shall be the exclusive jurisdiction for any lawsuit arising under this Guaranty. If
these courts refuse to accept jurisdiction unless the law governing this Guaranty is the State of Missouri, the governing law will be of that state and not the State of New York. 

 

	 	12.	Headings. The headings used herein are for purposes of convenience only and shall not be used in construing the provisions hereof. 

IN WITNESS WHEREOF, Guarantor has caused this Guaranty to be duly executed and delivered by its duly authorized officer effective as of
this 28th day of March, 2012. 
  

			
	GUARANTOR
	
	AMEREN CORPORATION
		
	By:	 	/s/ Jerre E. Birdsong
	Name:	 	Jerre E. Birdsong
	Title:	 	Vice President & Treasurer

  
 3Amendment No. 3 to Residual Purchase Agreement

 Exhibit 10.28 
 TEXT MARKED BY [* * *] HAS BEEN OMITTED PURSUANT TO A REQUEST
FOR CONFIDENTIAL TREATMENT AND WAS FILED SEPARATELY WITH THE SECURITIES AND
EXCHANGE COMMISSION. 
 AMENDMENT NO. 3 TO RESIDUAL PURCHASE AGREEMENT 

This Amendment No. 3 to Residual Purchase Agreement (this “Amendment”), dated November 11, 2011
(“Effective Date”), is between Calpian, Inc., a Texas corporation (“Purchaser”), and Cooper and Schifrin, LLC, an Ohio limited liability company (“Seller”) and amends that certain Residual Purchase
Agreement between Purchaser and Seller dated December 31, 2010 as amended by Amendment No. 1 thereto dated January 25, 2011 and as amended by Amendment No. 2 thereto dated July 29, 2011 (as previously amended, the
“Agreement”). Capitalized terms used herein but not otherwise defined herein shall have the meaning assigned to them in the Agreement. 
 RECITALS 
 A. Seller and Purchaser have entered into and consummated the
transactions contemplated by the Agreement, and now wish to amend the Agreement. 
 B. For good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 
 1. The Agreement is hereby
amended as follows: 
 Purchase and Sale of Residuals. Seller hereby exercises its right to sell additional Residuals pursuant to Exhibit
I of the Agreement, and Purchaser hereby agrees to purchase such Residuals (the “Additional Residuals”). To the extent of a conflict between the terms of Exhibit I of the Agreement and this Amendment, the provisions of this Amendment shall
control. For consideration of $280,000 cash being paid concurrently with the execution of this Amendment, the [***] under the Agreement is hereby increased from [***] to [***], such amount, as increased,
shall be considered the [***] for all purposes under the Agreement and the amount of the Additional Residuals is [***]. Purchaser and Seller shall amend the Escrow Agreement with the Escrow Agent to reflect the increased
amount to be paid as the [***]. Purchaser shall receive the payment for the increased amount of Purchased Residuals beginning with the payment made for the month of November 2011 (to be received in December 2011). The Agreement shall
apply to the Additional Residuals in all respects as though the Additional Residuals were part of the original transaction, except that any time periods in the Agreement shall, as they apply to the Additional Residuals, be computed from the
Effective Date. All Representations and Warranties of Purchaser and Seller shall, as to the Additional Residuals, be reaffirmed as of the Effective Date. In addition, the Additional Residuals shall be subject to the [***] set forth in
EXHIBIT G of the Agreement for a period of forty two (42) months after acquisition of the Additional Residuals. In consideration of the Seller’s [***] and Seller’s performance of the [***], Purchaser hereby
agrees to issue to Seller concurrently with the execution of this Amendment an additional 12,308 shares of Purchaser’s common stock, which shares shall be included in the definition of [***] under the Agreement for all purposes.
In order to secure its [***] obligations 

 
with respect to the additional [***], Seller does hereby grant Purchaser a security interest in and to the 12,308 additional shares of [***] and Seller and Purchaser
agree to enter into a stock pledge agreement in substantially the same form as already executed by the parties with respect to the security interest granted hereunder. In addition, Seller shall execute and deliver a Subscription Agreement and a
Lockup Agreement with respect to the additional shares of [***]. Purchaser agrees and acknowledges that it will not impose any restrictions on transfer with respect to any stock issued to Seller under this Amendment other than under
the aforementioned stock pledge agreement, the Subscription Agreement and the Lockup Agreement (if applicable) or under applicable Federal and state securities laws. 
 2. The remainder of the Agreement shall be unchanged by this Amendment. 

Executed to be effective as of the Effective Date. 

 

			
	 Cooper and Schifrin, LLC

	
	 /s/ Kevin Schifrin

	 By:
	 	 Kevin Schifrin

	 Its:
	 	 Managing Member

  

			
	 Calpian, Inc.

	
	 /s/ Harold Montgomery

	 By:
	 	 Harold Montgomery

	 Its:
	 	 Chief Executive Officer

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