Document:

Amendment No. 1 to Asset Purchase Agreement

 Exhibit 10(b) 
 AMENDMENT NO. 1 TO ASSET PURCHASE AGREEMENT 
 This Amendment No. 1 to Asset Purchase Agreement
is made as of August 31, 2005 by and between Alfa Financial Corporation and OFC Servicing Corporation. 
 The parties entered into that
certain Asset Purchase Agreement dated June 6, 2005 (the “Agreement”), and they now desire to amend the Agreement as set forth herein. 
 In consideration of the mutual promises made in the Agreement, the parties hereby agree as follows: 
 1.
Section 9(a)(2) of the Agreement is amended to change “August 31, 2005” to “September 30, 2005.” 
 2.
Section 9(a)(3) of the Agreement is amended to change “August 31, 2005” to “September 30, 2005.” 
 3. The Agreement
remains in full force and effect, unamended except as expressly set forth above. 
 In witness whereof, each party has caused this amendment
to be executed by its duly officer. 
  

			
	ALFA FINANCIAL CORPORATION
		
	By:	 	 /s/ C. Lee Ellis

	Name:	 	C. Lee Ellis
	Title:	 	Executive Vice President
	
	OFC SERVICING CORPORATION
		
	By:	 	 /s/ Richard A. Hills, Jr.

	Name:	 	Richard A. Hills, Jr.
	Title:	 	Vice PresidentAmendment No. 2 to Asset Purchase Agreement

 Exhibit 10(c) 
 AMENDMENT NO. 2 TO ASSET PURCHASE AGREEMENT 
 This Amendment No. 2 to Asset Purchase Agreement
is made as of September 30, 2005 by and between Alfa Financial Corporation and OFC Servicing Corporation. 
 The parties entered into
that certain Asset Purchase Agreement dated June 6, 2005, as amended August 31, 2005 (the “Agreement”), and they now desire to further amend the Agreement as set forth herein. 
 In consideration of the mutual promises made in the Agreement, the parties hereby agree as follows: 
 1. Section 9(a)(2) of the Agreement is amended to change “September 30, 2005” to “October 31, 2005.” 
 2. Section 9(a)(3) of the Agreement is amended to change “September 30, 2005” to “October 31, 2005.” 
 3. The Agreement remains in full force and effect, unamended except as expressly set forth above. 
 In witness whereof, each party has caused this amendment to be executed by its duly officer. 
  

			
	ALFA FINANCIAL CORPORATION
		
	By:	 	 /s/ C. Lee Ellis

	Name:	 	C. Lee Ellis
	Title:	 	Executive Vice President, Operations
	
	OFC SERVICING CORPORATION
		
	By:	 	 /s/ Richard A. Hills, Jr.

	Name:	 	Richard A. Hills, Jr.
	Title:	 	Vice PresidentAmendment No. 3 to Asset Purchase Agreement

 Exhibit 10(d) 
 AMENDMENT NO. 3 TO ASSET PURCHASE AGREEMENT 
 This Amendment No. 3 to Asset Purchase Agreement
(this “Amendment”) is made as of December 5, 2005 by and between Alfa Financial Corporation, an Alabama corporation (the “Seller”), and OFC Servicing Corporation, a Georgia corporation (the
“Buyer”). The Buyer and the Seller are referred to collectively as the “Parties.” 
 The parties entered
into that certain Asset Purchase Agreement dated June 6, 2005, as amended August 31, 2005 and October 4, 2005 (the “Agreement”), and they now desire to further amend the Agreement as set forth herein. 
 In consideration of the mutual promises made in the Agreement, the parties hereby agree as follows: 
 1. Defined Terms. Any capitalized term used but not defined in this Amendment shall have the meaning set forth in the Agreement. 
 2. Definition of “Net Book Value.” The Parties agree that the Buyer will pay the Seller for the amount of unearned income on Acquired
Receivables originated or arising after June 6, 2005, and that the definition of “Net Book Value” in Section 1 of the Agreement is hereby deleted and replaced with the following: 
 “Net Book Value” means (a) with respect to each Acquired Receivable originated or arising on or before June 6,
2005, as shown on a Contract Trial Balance as of the applicable date, the outstanding aggregate gross current and noncurrent contract receivables, less the unearned income, plus the unguaranteed residual, less the unearned income on the guaranteed
residual, and less the suspense balance, or (b) with respect to each Acquired Receivable originated or arising after June 6, 2005, as shown on a Contract Trial Balance as of the applicable date, the outstanding aggregate gross current and
noncurrent contract receivables, less the unearned income, plus the unguaranteed residual, less the unearned income on the guaranteed residual, less the suspense balance, and plus the initial direct costs, or (c) with respect to the FF&E,
$119,000 minus $6,700 per month beginning with March 2005 through and including the month in which Closing occurs, and plus or minus the value net of depreciation of any FF&E that is purchased or sold by the Seller between June 6, 2005 and
Closing. 
 3. Accrued Paid Time Off. Section 6(g) of the Agreement is hereby amended by adding the following at the end of such
Section 6(g): 
 In addition, prior to the Closing Date, Seller will obtain from each Transferred Employee an election indicating the
amount of such 

 Transferred Employee’s accrued paid time off through the Closing Date under Seller’s paid time
off policy (“Accrued PTO”) that such Transferred Employee desires to transfer to Buyer (“Transferred PTO”). Not later than 15 days after the Closing Date, Seller shall (i) make a cash payment to each
Transferred Employee in an amount equal to such Transferred Employee’s Accrued PTO minus such Transferred Employee’s Transferred PTO, and (ii) notify Buyer of the amount of each Transferred Employee’s Transferred PTO
(“Transferred PTO Notice”). After the Closing, Buyer shall allow each Transferred Employee to use his or her Transferred PTO through December 31, 2006 on the same terms as Seller’s paid time off policy, and Buyer shall pay
each Transferred Employee for such Transferred PTO as and when used. The aggregate amount of the Transferred PTO shall constitute a reduction of the Purchase Price and Buyer shall include such amount as a line item in the Revised Settlement
Statement delivered by Buyer in accordance with Section 2(c)(3)(A) of this Agreement. In the event that a Transferred Employee does not use all of his or her Transferred PTO on or before December 31, 2006, such unused Transferred PTO shall
expire and Buyer shall make a cash payment to Seller prior to January 15, 2007 in an amount equal to the aggregate amount of the Transferred PTO not used on or before December 31, 2006. 
 4. Termination Date. Section 9(a)(2) of the Agreement is hereby amended by changing “October 31, 2005” to “December 31,
2005.” Section 9(a)(3) of the Agreement is hereby amended by changing “October 31, 2005” to “December 31, 2005.” 
 5. Promissory Note Interest Rate. The Seller Financing Documents as executed at the Closing will provide for the annual interest rate payable on the Term Note to remain fixed at 3.75% through September 30, 2007, instead of
remaining fixed at such rate through the second anniversary of the Closing. For the avoidance of doubt, the annual interest rate on the Term Note will begin to float effective October 1, 2007 in accordance with the other terms of the Seller
Financing Documents. 
 6. Counterparts. This Amendment may be executed in two or more counterparts, each of which shall be deemed to
be an original, but all of which together shall constitute one and the same instrument. 
 7. No Other Amendments. Except as expressly
set forth herein, the parties make no other amendment, alteration or modification of the Agreement nor do they, nor does any of them, by executing this Amendment, waive any provision of the Agreement or any right that they or it may have thereunder.

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

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	“Seller”
	
	ALFA FINANCIAL CORPORATION
		
	By:	 	 /s/ Jerry A. Newby

	Name:	 	Jerry A. Newby
	Title:	 	President and Chief Executive Officer
	
	“Buyer”
	
	OFC SERVICING CORPORATION
		
	By:	 	 /s/ Richard A. Hills, Jr.

	Name:	 	Richard A. Hills, Jr.
	Title:	 	Vice President

  

 - 3 -Amendment No. 4 to the Asset Purchase Agreement

 Exhibit 10(e) 
 AMENDMENT NO. 4 TO ASSET PURCHASE AGREEMENT 
 This Amendment No. 4 to Asset Purchase Agreement
(this “Amendment”) is made as of December 31, 2005 by and between Alfa Financial Corporation, an Alabama corporation (the “Seller”), and OFC Servicing Corporation, a Georgia corporation (the
“Buyer”). The Buyer and the Seller are referred to collectively as the “Parties.” 
 The Parties entered
into that certain Asset Purchase Agreement dated June 6, 2005, as amended August 31, 2005, October 4, 2005 and December 5, 2005 (the “Agreement”), and they now desire to further amend the Agreement as set
forth herein. 
 In consideration of the mutual promises made in the Agreement, the Parties hereby agree as follows: 
 1. Defined Terms. Any capitalized term used but not defined in this Amendment shall have the meaning set forth in the Agreement. 
 2. Updated Schedules. The Agreement is hereby amended to substitute the words “November 30, 2005” in each place that the words
“February 28, 2005” appear therein. In addition, the following Schedules to the Agreement and the following section of the Disclosure Schedule are hereby amended and restated in their entirety by replacing them with Annex A attached
hereto: 
  

			
	Schedule 1.1	  	Contract Trial Balance
	Schedule 1.2	  	FF&E
	Schedule 1.4	  	Past Due Leases
	Schedule 1.5	  	Pending Leases
	Schedule 1.7	  	Pre-Funded Leases
	Schedule 1.8	  	Prepaid Expenses
	Schedule 1.9	  	Reserve Listing
	Schedule 1.11	  	Transferred Employees
	Schedule 1.12	  	UNL Leases
	Schedule 1.13	  	Vehicle Leases
	Schedule 1.14	  	VenCore Receivables
	Schedule 2	  	Settlement Statement
	Schedule 5	  	Recourse Pool
	
	Section 3(l) of the Disclosure Schedule — Litigation

 3. New Schedule. The attached new Schedule 1.15 is hereby added to the
Agreement. Such Schedule 1.15 sets forth the initial direct costs as of November 30, 2005 of all Acquired Receivables originated or arising after June 6, 2005. Such Schedule 1.15 will be updated as of the Closing Date as part of the
post-closing Updated Schedules in accordance with Section 2(c)(3)(A) of the Agreement. 

 4. Definition of “Net Book Value.” The definition of “Net Book Value” in
Section 1 of the Agreement is hereby amended by deleting all of clause (c) thereof and replacing it with the following: 
 “(c)
with respect to the FF&E, $221,750.” 
 5. Closing Date Payment. Section 2(c)(2) of the Agreement is hereby
amended by deleting the entire text thereof and replacing such deleted text with the following: 
 “Closing Date
Payment. At the Closing, the Buyer shall pay to the Seller $59,365,517.64 (the “Closing Date Payment”), which is the Purchase Price computed as of November 30, 2005 as set forth on the settlement statement attached
hereto as Schedule 2 (the “Settlement Statement”). Such Closing Date Payment shall be paid by (i) the Buyer delivering to the Seller a promissory note (the “Term Note”) in accordance with the
Seller Financing Documents in the principal amount of $57,102,998.16, and (ii) the Buyer paying to the Seller the amount of $2,262,519.48 in cash.” 
 6. Counterparts. This Amendment may be executed in two or more counterparts, each of which shall be deemed to be an original, but all of which together shall constitute one and the same instrument. 

7. No Other Amendments. Except as expressly set forth herein, the Parties make no other amendment, alteration or modification of the Agreement
nor do they, nor does any of them, by executing this Amendment, waive any provision of the Agreement or any right that they or it may have thereunder. 
 [Signatures on next page] 
  

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

  

			
	“Seller”
	
	ALFA FINANCIAL CORPORATION
		
	By:	 	 /s/ Jerry A. Newby

	Name:	 	Jerry A. Newby
	Title:	 	President and Chief Executive Officer
	
	“Buyer”
	
	OFC SERVICING CORPORATION
		
	By:	 	 /s/ Robert F. Hatcher

	Name:	 	Robert F. Hatcher
	Title:	 	President

  

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