Document:

First Amendment to Credit Agreement

 Exhibit 10.1(a) 
  
 FIRST AMENDMENT TO CREDIT AGREEMENT 
  
 THIS FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of August 19, 2005 (this “Amendment”), amends
the Credit Agreement, dated as of May 31, 2005 (the “Credit Agreement”), among Horace Mann Educators Corporation, a Delaware corporation (the “Borrower”), the various financial institutions which are parties
thereto (collectively, the “Lenders”) and Bank of America, N.A., as administrative agent for the Lenders (in such capacity, the “Administrative Agent”). Terms defined in the Credit Agreement are, unless otherwise
defined herein or the context otherwise requires, used herein as defined therein. 
  
 WHEREAS, the parties hereto have entered into the Credit Agreement, which provides for the Lenders to extend Loans to the Borrower from time to time; and 
  
 WHEREAS, the parties hereto desire to amend the Credit Agreement in certain respects as hereinafter set forth; 

 
 NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties hereto agree as follows: 
  
 SECTION 1. AMENDMENTS. Effective as of the Amendment Effective Date (as defined below) the Credit Agreement shall be amended as follows: 
  
 1.1 The definition of “Material Insurance Subsidiary” in
Section 1.01 of the Credit Agreement is amended by inserting the following at the end thereof: 
  
 “Notwithstanding the foregoing, it is agreed that Allegiance Life Insurance Company shall not be deemed a Material Insurance
Subsidiary but its Subsidiary, Horace Mann Life Insurance Company, shall be a Material Insurance Subsidiary.” 
  
 1.2 Section 6.01(f) of the Credit Agreement is amended by deleting the words “the chief financial officer or treasurer of the Borrower” and
inserting “a Responsible Officer” therefor. 
  
 SECTION
2. CONDITIONS PRECEDENT. This Amendment shall become effective on the date (the “Amendment Effective Date”) when each of the conditions precedent set forth in this Section 2 shall have been satisfied. 
  
 2.1 Receipt of Documents. The Administrative Agent shall have received
this Amendment, duly executed by the Borrower, the Administrative Agent and the Required Lenders. 
  
 2.2 Compliance with Warranties, No Default, etc. Both before and after giving effect to the effectiveness of this Amendment, the following
statements by the Borrower shall be true and correct (and the Borrower, by its execution of this Amendment, hereby represents and warrants to the Administrative Agent and the Lenders that such statements are true and correct as at such times):

 (a) the representations and warranties set forth in Article V of the Credit
Agreement shall be true and correct with the same effect as if then made (unless stated to relate solely to an earlier date, in which case such representations and warranties shall be true and correct as of such earlier date); and 
  
 (b) no Default (other than any Default under
Section 7.02 arising by virtue of Allegiance Life Insurance Company not having an A.M. Best rating) shall have then occurred and be continuing. 
  
 SECTION 3. MISCELLANEOUS. 
  
 3.1 Continuing Effectiveness, etc. This Amendment shall be deemed to be an amendment to the Credit Agreement, and the Credit Agreement, as amended
hereby, shall remain in full force and effect and is hereby ratified, approved and confirmed in each and every respect. 
  
 3.2 Payment of Costs and Expenses. The Borrower agrees to pay on demand all expenses of the Administrative Agent (including the fees and
out-of-pocket expenses of counsel to the Administrative Agent) in connection with the negotiation, preparation, execution and delivery of this Amendment. 
  
 3.3 Severability. Any provision of this Amendment which is prohibited or unenforceable in any jurisdiction shall, as to such provision and such
jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions of this Amendment or affecting the validity or enforceability of such provision in any other jurisdiction. 

 
 3.4 Headings. The various headings of this Amendment are inserted
for convenience only and shall not affect the meaning or interpretation of this Amendment or any provisions hereof. 
  
 3.5 Execution in Counterparts. This Amendment may be executed by the parties hereto in several counterparts, each of which shall be deemed to be an
original and all of which shall constitute together but one and the same agreement. 
  
 3.6 Governing Law. THIS AMENDMENT SHALL BE DEEMED TO BE A CONTRACT MADE UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF ILLINOIS. 
  
 3.7 Successors and Assigns. This Amendment shall be binding upon and shall inure to the benefit of the parties hereto
and their respective successors and assigns. 
  

 2 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their respective
officers thereunto duly authorized as of the day and year first above written. 
  

			
	HORACE MANN EDUCATORS CORPORATION
		
	By:	 	 /s/ Dwayne D. Hallman

	Title:	 	     Senior Vice President Finance

  

			
		
	By:	 	 /s/ Angela Christian

	Title:	 	     Vice President and Treasurer

  

 S-1 

			
	BANK OF AMERICA, N.A., as Administrative Agent
		
	By:	 	 /s/ Debra Basler

	Title:	 	     Senior Vice President

  

 S-2 

			
	BANK OF AMERICA, N.A., as a Lender
		
	By:	 	 /s/ Debra Basler

	Title:	 	     Senior Vice President

  

 S-3 

			
	JPMORGAN CHASE BANK, N.A.
		
	By:	 	 /s/ Thomas A. Kiepura

	Title:	 	     Vice President

  

 S-4 

			
	NATIONAL CITY BANK OF THE MIDWEST
		
	By:	 	 /s/ Steve Vilatte

	Title:	 	     Vice President

  

 S-5 

			
	COMERICA BANK
		
	By:	 	 /s/ Felicia M. Maxwell

	Title:	 	     Vice President

  

 S-6 

			
	FIFTH THIRD BANK (CHICAGO), a Michigan Banking Corporation
		
	By:	 	 /s/ Kim Puszczewicz

	Title:	 	     Assistant Vice President

  

 S-7 

			
	LASALLE BANK NATIONAL ASSOCIATION
		
	By:	 	 /s/ Brandon S. Allison

	Title:	 	     Assistant Vice President

  

 S-8 

			
	PNC BANK, NATIONAL ASSOCIATION
		
	By:	 	 /s/ Edward J. Chidiac

	Title:	 	     Managing Director

  

 S-9 

			
	STATE STREET BANK AND TRUST COMPANY
		
	By:	 	 /s/ Anne W. Muita

	Title:	 	     Assistant Vice President

  

 S-10 

			
	ILLINOIS NATIONAL BANK
		
	By:	 	 /s/ Jeffrey L. Raes

	Title:	 	     Senior Vice President

  

 S-11Revised Schedule to Severance Agreements

 Exhibit 10.2(a) 
  
 Revised Schedule to Severance Agreement 
  
 Horace Mann Educators Corporation (“HMEC”) entered into severance agreements with the following persons on the dates shown. These
agreements are substantially identical to the one included as Exhibit 10.7 to HMEC’s Annual Report on Form 10-K for the year ended December 31, 2001 except that (1) the multiple of the highest annual compensation received by the
employee in the five preceding years used to determine a one-time cash payment is equal to the duration listed below and (2) the specified period during which such employee’s insurance benefits would continue is equal to the duration
below, and except as indicated in footnote (a). 
  

					
	 Employee

	 	 Duration

	 	Agreement Date

			
	 Louis G. Lower II (a)
	 	 3 years
	 	02-01-2000
			
	 Ann M. Caparrós
	 	 2.9 years
	 	03-07-1994
			
	 Peter H. Heckman
	 	 2.9 years
	 	04-10-2000
			
	 Douglas W. Reynolds
	 	 2.9 years
	 	11-12-2001
			
	 Paul D. Andrews
	 	 2 years
	 	07-02-2001
			
	 Bret A. Conklin
	 	 2 years
	 	01-14-2002
			
	 Dwayne D. Hallman
	 	 2 years
	 	01-21-2003
			
	 Deborah F. Kretchmar
	 	 2 years
	 	06-17-2002
			
	 Ricky A. Renner
	 	 2 years
	 	07-09-2001
			
	 Robert E. Rich
	 	 2 years
	 	02-19-2001
			
	 Peter M. Titone
	 	 2 years
	 	01-08-2001

	(a)	HMEC entered into a severance agreement with Louis G. Lower II as set forth in the Lower Employment Agreement contained in Exhibit 10.12 to HMEC’s Annual Report on Form 10-K
for the year ended December 31, 1999.Form of Restricted Stock Grant Agreement

 EXHIBIT 10.2 
  
 

 
  
 FIRST DATA CORPORATION 
 2002 LONG-TERM INCENTIVE PLAN 
 RESTRICTED STOCK AWARD

  

			
	 [FirstName] [MI]. [LastName]
	  	Award Number: [      ]
	[Address]	  	Plan:              [    ]
	[City, State, Postal]	  	ID:                  [        ]

  
 Effective [Award Date], you
have been granted an award of [Number of Shares] shares of FIRST DATA CORPORATION (the Company) common stock at [$Price] per share. 
  
 These shares are restricted until the vest date(s) shown below. 
  

			
	 Shares    

	    	 Full Vest

	[Vest1]	    	[Date1]
	[Vest1]	    	[Date1]
	[Vest1]	    	[Date1]
	[Vest1]	    	[Date1]

  
 This award is granted under and
governed by the Terms and Conditions of the First Data Corporation Long-Term Incentive Plan. 
  

			
	 FIRST DATA CORPORATION

		
	 BY:
	 	 
	 	 	 Michael T. Whealy, Secretary

 FIRST DATA CORPORATION 
 RESTRICTED STOCK AWARD AGREEMENT 
  
 TERMS AND CONDITIONS 
  

	1.	Pursuant to the 2002 First Data Corporation Long-Term Incentive Plan (the “2002 LTIP”), First Data Corporation (the “Company”) hereby grants to
                         (“Executive”), as of
                                     (the “Grant
Date”),                                  shares of First Data Corporation
common stock, subject to the restrictions set forth in this Agreement (the “Shares”). The number of Shares may be adjusted pursuant to paragraph 7 below. 

  

	2.	The terms of the 2002 LTIP are hereby incorporated in this instrument by reference and made a part hereof. 

  

	3.	Subject to other provisions of this Agreement and the terms of the 2002 LTIP, Executive shall vest in Executive’s unrestricted ownership of the Shares, and all restrictions
thereon shall lapse, as follows: 

  
 [vesting
schedule] 
  
 Notwithstanding any other provision of the 2002
LTIP or this Agreement, in order for any portion of this award to vest, you must execute and return to the Company an updated, lawful restrictive covenant agreement if requested by the Company prior to vesting. Failure to execute such an agreement
will cause your award to cease vesting. 
  

	4.	Other than as provided in Paragraph 3 above, the Shares may not be sold, assigned, transferred, pledged, or otherwise disposed of, except by will or the laws of descent and
distribution, or otherwise as provided by the 2002 LTIP. If Executive or anyone claiming under or through Executive attempts to make any such sale, transfer, assignment, pledge or other disposition of Shares in violation of this Paragraph 4, such
attempted violation shall be null, void, and without effect. 

  

	5.	Executive will forfeit Executive’s right to the Shares issued to Executive if Executive’s continuous employment or performance of services for the Company, a Subsidiary or
an Affiliate (as such terms are defined in the 2002 LTIP) terminates for any reason (except solely by reason of a period of Related Employment, as defined in the 2002 LTIP, or as set forth in paragraph 6) before the restrictions applicable to those
Shares have lapsed. For purposes of plan administration, Executive shall not be considered to have terminated employment if Executive is re-hired within three months of Executive’s involuntary termination other than for Cause.

  

	6.	If Executive’s employment with or service to the Company, a Subsidiary or an Affiliate is terminated involuntarily and without Cause and Executive is an eligible participant in
the Severance/Change in Control Policy applicable to members of the Company’s Executive Committee, then Executive shall be treated as having remained in continuous employment for purposes of vesting in the Shares until the end of the severance
period applicable to the Executive under such Policy (any Shares remaining restricted after such severance period has expired shall be immediately forfeited). If Executive dies, or becomes disabled (as defined in the 2002 LTIP) during a period of
continuous employment or performance of services for the Company, a Subsidiary or an Affiliate after the Date of Grant but while any Shares remain restricted, Executive shall immediately vest in any then-restricted Shares. Executive shall not vest
in any then-restricted Shares by reason of Retirement. 

  

	7.	Before the restrictions applicable to the Shares have lapsed, Executive (and any person succeeding to Executive’s rights pursuant to the 2002 LTIP) will have ownership of the
Shares, including the right to vote the Shares and to receive dividends or other distributions made or paid with respect to such Shares (such distributions to be made in the form cash, accrued during the restricted period(s) set forth in this
Agreement and paid only upon lapse of such restrictions). The indicia of ownership of the Shares issued to Executive in this Award shall be held by the Company or its authorized representative during the period restrictions apply to the Shares. The
Company may require Executive to provide a stock power or other instrument of assignment (including a power of attorney) endorsed in blank, with a guarantee of signature if deemed necessary or appropriate by the Company, which would permit transfer
to the Company of all or a portion of the Shares in the event such Shares are forfeited in whole or in part. Unless Executive’s right to the Shares has been forfeited, the Shares will be released to Executive (or to any person succeeding to
Executive’s rights pursuant to the 2002 LTIP), together with accrued cash dividends, at the time the restrictions on the Shares lapse. 

	8.	In the event of any change in the outstanding shares of the Company by reason of any stock split, stock dividend, split-up, split-off, spin-off, recapitalization, merger,
consolidation, rights offering, reorganization, combination or exchange of shares, sale by the Company of all or part of its assets, distribution to shareholders other than a normal cash dividend, or other extraordinary or unusual event occurring
after the Grant Date and prior to lapse of restrictions applicable to the Shares, if the Committee shall determine, in its discretion, that such change equitably requires an adjustment in the terms of this Award or the number of Shares, such
adjustment may be made by the Committee and shall be final, conclusive and binding for all purposes of the 2002 LTIP. 

  

	9.	In the event of a Change in Control (as defined in the 2002 LTIP), any remaining restrictions applicable to the Shares shall immediately lapse. 

  

	10.	It shall be a condition to the obligation of the Company to release the Shares at the time restrictions on the Shares lapse (a) that Executive (or any beneficiary or person
entitled to act) pay to the Company or its designee, upon its demand, in accordance with the 2002 LTIP, such amount as may be demanded for the purpose of satisfying its obligation or the obligation of any of its Affiliates or other person to
withhold U.S. federal, state, local or foreign income, employment or other taxes incurred by reason of the transfer of Shares, and (b) that Executive (or any beneficiary or person entitled to act) provide the Company with any forms, documents
or other information reasonably required by the Company. Executive may satisfy Executive’s obligation to pay the taxes described in this paragraph by agreeing to surrender to the Company Shares distributed to Executive having a fair market
value on the date the restrictions applicable to the Shares lapse equal to the amount of such taxes. 

  

	11.	The terms of this Agreement may be amended from time to time by the Committee in its sole discretion in any manner that it deems appropriate; provided, however, that no such
amendment shall adversely affect in a material manner any right of Executive under this Agreement without Executive’s written consent, unless the Committee determines in its sole discretion that there have occurred or are about to occur
significant changes in Executive’s position, duties or responsibilities, or significant changes in economic, legislative, regulatory, tax, accounting or cost/benefit conditions which are determined by the Committee in its sole discretion to
have or to be expected to have a substantial effect on the performance of the Company or Subsidiary, Affiliates, division, or department thereof, on the 2002 LTIP or on this Award. The Committee may, in its sole discretion, permit Executive to
surrender the Shares in order to exercise or realize the rights under other Awards under the 2002 LTIP, or in exchange for the grant of new Awards under the 2002 LTIP, or require Executive to surrender the Shares as a condition precedent of new
Awards under the 2002 LTIP. 

  

	12.	Any action taken or decision made by the Company, the Board, or the Committee or its delegates arising out of or in connection with the construction, administration, interpretation
or effect of the 2002 LTIP or this Agreement shall lie within its sole and absolute discretion, as the case may be, and shall be final, conclusive and binding on you and all persons claiming under or through Executive. By accepting this grant of
Shares or other benefit under the 2002 LTIP, Executive and each person claiming under or through Executive shall be conclusively deemed to have indicated acceptance and ratification of, and consent to, any action taken under the 2002 LTIP by the
Company, the Board or the Committee or its delegates. 

  

	13.	The validity, construction, interpretation, administration and effect of the 2002 LTIP, and of its rules and regulations, and rights relating to the 2002 LTIP and to this Agreement,
shall be governed by the substantive laws, but not the choice of law rules, of the State of Delaware. 

  

			
	 On Behalf of First Data Corporation

		
	 By:
	 	 
		
	 Date:
	 	 

  
 I accept the Grant of Shares under the
terms and conditions set forth in this Agreement. 
  

			
		
	 By:
	 	 
		
	 Date:

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