Document:

<PAGE>

                                                                    Exhibit 10.3
                                                                    ------------

                                 AMENDMENT NO. 1

                                       to

                                CREDIT AGREEMENT

                                     between

                  AMERICREDIT FINANCIAL SERVICES OF CANADA LTD.

                                       and

                      AMERICREDIT FINANCIAL SERVICES, INC.

                                       and

                        MERRILL LYNCH CAPITAL CANADA INC.

                          DATED AS OF NOVEMBER 12, 2001

<PAGE>

     THIS AMENDMENT NO. 1 to the CREDIT AGREEMENT (this "Amendment") is made as
of the 12/th/ day of November, 2001,

B E T W E E N:

          AMERICREDIT FINANCIAL SERVICES OF CANADA LTD., a corporation
          incorporated pursuant to the laws of the Province of Ontario

          (the "Borrower")

                                     - and -

          AMERICREDIT FINANCIAL SERVICES, INC., a corporation incorporated
          pursuant to the laws of the State of Delaware

          (the "Custodian")

                                     - and -

          MERRILL LYNCH CAPITAL CANADA INC., a corporation incorporated pursuant
          to the laws of the Province of Ontario

          (the "Lender")

RECITALS:

WHEREAS, the Borrower, the Custodian and the Lender entered into that Credit
Agreement dated as of August 23, 2001 (the "Credit Agreement"); and

WHEREAS, the parties desire to amend the Credit as provided herein;

NOW, THEREFORE, for good and valuable consideration (the receipt and sufficiency
of which are hereby acknowledged by each of the parties hereto), the parties
hereto hereby agree as follows:

1.   Defined Terms.

     In this Amendment, unless something in the subject matter or the context is
inconsistent therewith, capitalized terms used and not otherwise defined herein
shall have the respective meanings attributed to such terms in Schedule A to the
Credit Agreement.

2.   Amendments to Credit Agreement.

     (a)  Section 8.1.1(c) of the Credit Agreement is hereby deleted in its
entirety, and the following language is inserted in lieu thereof:

<PAGE>

                                      -2-

          "(c)  ensure that the records relating to each Contract forming part
                of the Collateral contain the following documents (such
                documents, in respect of any Contract, are herein collectively
                referred to as the "Contract File" relating to such Contract):

          (i)   the original fully-executed copy of such Contract;

          (ii)  an original copy of the related assignment agreement between the
                dealer of related Financed Vehicle and the Borrower, together
                with the corresponding title or indemnity guarantee by such
                dealer in favour of the Borrower;

          (iii) evidence of the applicable PPSA registration by the Borrower
                against the related Obligor;

          (iv)  a copy of the purchase order or bill of sale pertaining to the
                related Financed Vehicle;

          (v)   concerning a Contract purchased by Borrower from an Independent
                Dealer, the applicable Encumbrance search results and other
                documentation evidencing that the related Financed Vehicle is
                free of any Encumbrances in favour of any Person other than the
                Borrower,

          (vi)  only to the extent actually received by the Borrower:

                (A)  any related ancillary product documentation, including,
                     without limitation, any service contract warranty, auto
                     club documentation, life insurance policy and guarantee
                     auto protection (or GAP) insurance policy,

                (B)  a completed reference sheet in respect of the related
                     Obligor,

                (C)  a systems overview sheet,

                (D)  a copy of the birth certificate of the related Obligor or
                     other evidence as to the name of such Obligor which is
                     valid for PPSA registration purposes,

                (E)  proof of the related Obligor' s income and residency,

                (F)  a photocopy of the Obligor' s driver's licence,

                (G)  an original copy of the insurance policy, binder or card
                     pertaining to the related Financed Vehicle,

                (H)  concerning a Contract purchased by Borrower from a
                     Franchised Dealer, the applicable Encumbrance search
                     results and other documentation evidencing that the related
                     Financed Vehicle is free

<PAGE>

                                      -3-

                    of any Encumbrances in favour of any Person other than the
                    Borrower, and

               (I)  the original credit application of the related Obligor;"

     (b)  Schedule A to the Credit Agreement is hereby amended by adding thereto
the following defined terms:

          "Franchised Dealer" means (1) an automobile dealer operating in Canada
          pursuant to a franchise agreement with an automobile manufacturer, or
          (2) an Independent Dealer whose obligations to Borrower are guaranteed
          by a Franchised Dealer affiliated therewith.

          "Independent Dealer" means an automobile dealer operating in Canada
          not pursuant to a franchise agreement with an automobile manufacturer
          and whose obligations to Borrower are not guaranteed by a Franchised
          Dealer affiliated therewith.

3.   Representations and Warranties.

     To induce the Lender to enter into this Amendment, each of the Borrower and
the Custodian hereby represents and warrants (each as to itself) as of the date
hereof that:

     (a)  It has the power, authority and legal right to make and deliver this
Amendment and to perform its obligations under the Credit Agreement, as amended
by this Amendment, as applicable, without any notice, consent, approval or
authorization not already obtained, and it has taken all necessary action to
authorize the same.

     (b)  The making and delivery of this Amendment and the performance of the
Credit Agreement, as amended by this Amendment, do not violate any provision of
law or any regulation, or its charter or by-laws, or result in the breach of or
constitute a default under or require any consent under any indenture or other
agreement or instrument to which it is a party or by which it or any of its
properties may be bound or affected. The Credit Agreement, as amended by this
Amendment, as applicable, constitutes its legal, valid and binding obligation,
enforceable against it in accordance with its terms, except as the
enforceability thereof may be limited by any applicable bankruptcy,
reorganization, insolvency, moratorium or other laws affecting creditors' rights
generally.

     (c)  The representations and warranties made by it contained in the Credit
Agreement are true and correct in all material respects on and as of the date of
this Amendment and after giving effect hereto, except for those representations
and warranties that address matters only as of a particular prior date.

     (d)  No Event of Default or Pending Event of Default has occurred and is
continuing under the Credit Agreement on and as of the date of this Amendment
and after giving effect to hereto.

4.   Reference to and Effect on the Credit Agreement.

<PAGE>

                                      -4-

     (a)  On and after the date of this Amendment, each reference in the Credit
Agreement, to "this Agreement," "hereunder," "hereof' or words of like import,
and each reference in any other Credit Document to "the Credit Agreement,"
"thereunder," "thereof' or words of like import referring to the Credit
Agreement, shall mean and be a reference to the Credit Agreement as amended
hereby.

     (b)  Except as specifically amended hereby, the Credit Agreement and the
Credit Documents shall continue to be in full force and effect and is hereby in
all respects ratified and confirmed.

     (c)  The execution, delivery and effectiveness of this Amendment shall not,
except as expressly provided herein, operate as a waiver of any right, power or
remedy of the Lender under any of the Credit Documents.

5.   Counterparts.

     This Amendment may be signed in any number of counterparts, each of which
shall be an original and all of which taken together shall constitute a single
instrument with the same effect as if the signatures thereto and hereto were
upon the same instrument.

<PAGE>

                                      -5-

6.   Governing Law.

     This Amendment shall be governed by and construed in accordance with the
laws of the Province of Ontario and the federal laws of Canada applicable in
Ontario.

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

                                     AMERICREDIT FINANCIAL SERVICES OF
                                     CANADA LTD.

                                     By: ______________________________________
                                          Name:  Connie Coffey
                                          Title: Vice President, Non-Public
                                                 Financings and Reporting

                                     AMERICREDIT FINANCIAL SERVICES, INC.

                                     By: ______________________________________
                                          Name:  Beth Sorensen
                                          Title: Senior Vice President, Finance

                                     MERRILL LYNCH CAPITAL CANADA INC.

                                     By: ______________________________________
                                          Name:
                                          Title:

                                     By: ______________________________________
                                          Name:
                                          Title:

<PAGE>

                              CONSENT OF GUARANTOR

     The Guarantor hereby consents to the making, execution and delivery of
Amendment No. 1, dated as of November 12, 2001, to the Credit Agreement dated as
of August 23, 2001 by and among AmeriCredit Financial Services of Canada Ltd.,
as Borrower, AmeriCredit Financial Services, Inc., as Custodian, and Merrill
Lynch Capital Canada Inc., as Lender.

     Dated as of this 12/th/ day of November, 2001.

                                    AMERICREDIT CORP.

                                    By: ________________________________________
                                         Preston A. Miller
                                         Executive Vice President and Treasurer<PAGE>

                                                                    EXHIBIT 10.1
                    SEPARATION AGREEMENT AND MUTUAL RELEASE

     This Separation agreement and Mutual Release (this "Agreement") is dated as
of November 30, 2001, by and between Nobel Learning Communities, Inc., a
Delaware corporation ("Employer") and Daryl A. Dixon, an individual residing at
_________________________________________ ("Employee").

                                   Background

     On January 25, 1999, Employer and Employee entered into a certain
Employment Agreement (the "Employment Agreement"), pursuant to which Employer
engaged Employee, and Employee agreed to be employed by Employer, as its
President and Chief Operating Officer, through February 18, 2002.  By a memo
from Employee to Employer's Chairman of the Board and Chief Executive Officer
("Employer's Chairman") received on November 7, 2001, Employee requested that he
be permitted to resign as Employer's President and Chief Operating Officer, and
by a subsequent memo from Employer's Chairman to Employee dated November 26,
2001, Employer accepted Employee's resignation, on the terms and conditions
hereinafter provided.

                                     Terms

     Now, Therefore, in consideration of the premises and mutual covenants and
obligations hereinafter set forth, intending to be legally bound hereby, the
parties hereto agree as follows:

1.  Resignation.  Effective as of the close of business on November 30, 2001
(the "Transition Date"), Employee hereby resigns as President and Chief
Operating Officer of Employer, as an officer and/or director of each subsidiary,
affiliate and other related company of Employer (collectively with Employer, the
"Nobel Parties"), and of any committee thereof.  Simultaneously with such
resignation, Employer hereby employs Employee in the capacity of an employed
consultant, and Employee hereby accepts such employment, for a period of time
ending on the close of business on February 18, 2002 (the "Separation Date").
As used in this Agreement, the term "Transition Period" shall mean that period
of time commencing on the Transition Date, and continuing until the Separation
Date.

2.  Scope of Duties During Transition Period.  During the Transition Period,
Employee's sole duty and responsibility to Employer shall be to perform such
consulting services for the Nobel Parties as may from time to time reasonably be
requested by Employer's Chairman (or his designee).  Employee acknowledges that,
effective as of the Transition Date, he no longer has the power or authority to
bind any Nobel Party or to assume or create any obligation or responsibility,
express or implied, on the part of any Nobel Party, or in the name of any Nobel
Party, and Employee shall not represent to any person or entity that Employee
has such power or authority.

3.  Compensation During Transition Period.  During the Transition Period, as
Employee's sole compensation and consideration for Employee's services and
responsibilities under this Agreement, Employer will pay Employee, and Employee
will accept, only such compensation and benefits as are specifically set forth
in this Section 3.
        ---------
<PAGE>

     3.1.  Base Salary.  Employer shall pay to Employee a gross salary at the
           -----------
annual rate of Two Hundred Sixty-Five Thousand Dollars ($265,000) ("Base
Salary"), pro rated for the Transition Period (including any holidays observed
by Employer for its employees generally), payable at such intervals as Employer
pays the salaries of its employees generally (currently every two weeks), but
not less frequently than monthly. In addition, Employer will pay to Employee, as
a lump sum, an amount equal to the number of days of vacation accrued but not
used by Employee as of the Transition Date, multiplied by Employee's prorated
daily salary. Such amount shall be paid in the first payroll period occurring on
or after the tenth (10th) day following the Separation Date.

     3.2.  Other Benefits.  Employee shall be entitled to continue to
           --------------
participate in any group health, group life insurance, hospital and medical
plans maintained by Employer for its employees generally during the Transition
Period, on the same basis that Employee participated in the same as of the
Transition Date. Notwithstanding the foregoing, Employee acknowledges and agrees
that, effective as of the Transition Date, Employee shall cease to be covered by
any severance plan of a Nobel Party (including, without limitation, Employer's
Executive Severance Plan and Employer's Senior Executive Severance Plan).
Effective on the Separation Date, Employee will be afforded the opportunity, at
Employee's own expense, to convert such group health insurance coverage per
normal COBRA conversion privileges.

     3.3.  Loan.  During the Transition Period, Employer will continue to
           ----
forgive, on the 18th day of each month, 1/36 of the principal amount and
associated interest of the loan described in Section 3.9 of the Employment
Agreement.

     3.4. Reimbursement of Expenses.  Employer will reimburse Employee for any
          -------------------------
reasonable out-of-pocket business expenses which Employee actually incurs in
connection with the performance of Employee's duties under this Agreement, upon
timely submission by Employee of vouchers or itemized statements thereof
prepared in compliance with such rules relating thereto as Employer may from
time to time adopt (which rules may include the requirement that Employee
receive advance approval of such expenses) and as may be required in order to
permit such payments as proper deductions to Employer under the Internal Revenue
Code and the rules and regulations adopted pursuant thereto now or hereafter in
effect.

4.   Expiration of Employment Period.  On and after the Separation Date, neither
Employee nor any Nobel Party shall have any further obligation of any nature to
the other, except as specifically set forth in this Agreement (including,
without limitation, the provisions of Sections 6, 7, 9, 10.2 and 12).  Employee
                                      ----------  -  -  ----     --
releases any right or claimed right to re-employment or reinstatement with any
Nobel Party from and after the Separation Date.  Employee shall not at any time
seek employment with any Nobel Party.  If, notwithstanding such covenant,
Employee applies for such employment, such Nobel Party shall be under no
obligation to consider Employee's application.

5.  Property of the Nobel Parties.  Employee represents that Employee has
returned all property of any Nobel Party previously in Employee's possession or
control to Employer's Chairman (or his designee), including all client contact
information and any other materials containing confidential information
(including all documentation required to be returned

                                       2
<PAGE>

pursuant to Section 10.2(b) of the Employment Agreement), and has not retained
any copies or extracts of the same.

6.  Cooperation.  From the date hereof, and continuing on and after the
Separation Date, Employee will cooperate with the Nobel Parties in the defense
or prosecution of all disputes with third parties.  In furtherance thereof, if
requested by Employer, upon reasonable notice, Employee will provide written and
oral evidence and testimony in any proceedings and will meet with Employer's
attorneys or other representatives at reasonable times and places in connection
therewith.  No Nobel Party shall be required to pay further consideration to
Employee for any such cooperation and testimony, except that Employee will be
reimbursed by Employer for reasonable out-of-pocket expenses actually incurred
in connection with such cooperation or testimony.

7.  Consulting Services From and After Separation Date.  From and after the
Separation Date, Employee agrees to provide such consulting services for the
Nobel Parties as may from time to time reasonably be requested by Employer's
Chairman (or his designee) (the "Subsequent Consulting Services"); provided,
that such consulting services shall not exceed two days' per week.  In
connection therewith, Employee will be acting in the capacity of an independent
contractor, and not as an employee of any Nobel Party.  In consideration of
Employee's performance of the Subsequent Consulting Services hereunder, Employer
shall pay Employee a fee of $120 per hour.  In addition, Employer will reimburse
Employee for any reasonable out-of-pocket business expenses which Employee
actually incurs in connection with the performance of the Subsequent Consulting
Services, upon timely submission by Employee of vouchers or itemized statements
thereof prepared in compliance with such rules relating thereto as Employer may
from time to time adopt (which rules may include the requirement that Employee
receive advance approval of such expenses).

8.  General Releases.

    8.1.  General Release by Nobel Parties.  In consideration of the release by
          --------------------------------
Employee set forth in Section 8.2, each Nobel Party, on behalf of itself and its
                      -----------
agents, successors and assigns, finally and unconditionally releases and
discharges Employee from any and all claims, demands, liabilities, damages,
obligations, actions or causes of action (collectively, "Claims") of any kind,
known or unknown, past or present, asserted or unasserted, suspected or
unsuspected, matured or unmatured, which such Nobel Party now has, may have or
could claim to have against Employee up to and including the date hereof,
including, but not limited to, any and all claims arising out of, relating to,
or in connection with, Employee's failure to honor Employee's commitment to
serve out the full Term set forth in Section 2 of the Employment Agreement.

     8.2.  General Release by Employee.  In consideration of the release by the
           ---------------------------
Nobel Parties set forth in Section 8.1, Employee, on behalf of Employee and
                           -----------
Employee's agents, heirs and assigns, finally and unconditionally releases and
discharges each Nobel Party, and all of their respective officers, directors,
agents, employees, partners, shareholders, predecessors, successors and assigns
(collectively, "Released Parties") from any and all Claims of any kind, known or
unknown, past or present, asserted or unasserted, suspected or unsuspected,
matured or unmatured, which Employee now has, may have or could claim to have
against any of the Released Parties up to and including the date hereof,
including, but not limited to, any and all

                                       3
<PAGE>

claims arising out of, relating to, or in connection with, the Employment
Agreement, Employee's employment or termination from such employment. The Claims
released by Employee include, but are not limited to, claims for wrongful
termination, constructive discharge, sexual harassment, severance, breach of
contract, breach of the covenant of good faith and fair dealing, breach of
fiduciary duty, bad faith discharge, fraud, defamation, libel, retaliation,
invasion of privacy and intentional or negligent infliction of emotional
distress, as well as any and all claims for counsel fees and costs. The Claims
released by Employee further include, but are not limited to, claims under all
federal, state and local laws, including, but not limited to, claims under any
laws prohibiting employment discrimination, including, but not limited to, the
Age Discrimination in Employment Act, Title VII of the Civil Rights Act of 1964,
the Fair Labor Standards Act, the Americans with Disabilities Act, the Executive
Retirement Income Security Act, the Family and Medical Leave Act, the
Pennsylvania Human Relations Act, 43 Pa. Cons. Stat. Ann. (S)951, et seq. and
the Pennsylvania Equal Pay Law, 43 Pa. Cons. Stat. Ann. (S)336.1, et seq.

     8.3.  Broad Scope of Release.  The releases contained herein are intended
           ----------------------
to be complete and final and to cover not only claims which are known, but also
claims which are unknown or which either Employee or any Nobel Party does not
suspect to exist in his or its favor which, if known at the time of executing
this Agreement, might have affected his or its actions. Employee and Employer
each acknowledge and agree that their agreement set forth herein, is not and
shall not be construed to be an admission of any violation of any federal, state
or local statute or regulation, or of any duty owed by either of them, and that
this Agreement is made voluntarily to provide an amicable conclusion of
Employee's employment with Employer.

9.  Non-Disparagement.  Employee and Employer agree that they will not disparage
in any way the professional or personal reputation or character of each other,
including any Nobel Party, or any officers, directors, employees, agents or
representatives of any Nobel Party.

10.  Effect of Employment Agreement.

     10.1.  Continuation of Employment Period.  Section 3.3 of the Employment
            ---------------------------------
Agreement provides that the grant of certain options to Employee shall be
subject to a three-year vesting schedule, with such options becoming exercisable
with respect to one-third of the shares subject to such options on each of the
first, second and third anniversary dates, respectively, of the first day of the
Employment Period (as that term is defined in the Employment Agreement) if the
conditions set forth in the related stock option agreement have been satisfied.
Notwithstanding anything to the contrary set forth in this Agreement, Employer
and Employee acknowledge and agree that, for all purposes related to the vesting
of these options, Employee's employment under this Agreement shall replace
Employee's employment under the Employment Agreement effective as of the
Transition Date, and that there shall be no termination of Employee's employment
until the Separation Date.  In addition, Employer and Employee each hereby
confirm their understanding that, effective upon the Separation Date:  (a)
Employee's options to purchase up to 150,000 shares of common stock of Employer
will be fully vested; and (b) subject to the provisions of Section 12, Employee
                                                           ----------
will have ninety (90) days thereafter in which to exercise such options.

                                       4
<PAGE>

     10.2.  Continuation of Certain Provisions.  It is expressly understood by
            ----------------------------------
Employer and Employee that, subject to the remainder of this Section 10.2, all
                                                             ------------
of the terms and conditions of Sections 10 and 12.7 of the Employment Agreement
are and shall remain in full force and effect as of each of the Transition Date
and the Separation Date, notwithstanding the provisions of Section 10.3 hereof;
                                                           ------------
provided, however, that Employer and Employee acknowledge and agree that
Sections 10.3 and 10.4 of the Employment Agreement shall be construed as if the
phrase "or provides consulting services to Employer" had been stricken
therefrom.

     10.3.  Remainder of Employment Agreement Null and Void.  Except as
            -----------------------------------------------
expressly stated otherwise in Sections 10.1 and 10.2 hereof, the remaining terms
                              -------------     ----
and provisions of the Employment Agreement are and shall be void and of no
further force and effect as of the Transition Date.

11.  Arbitration of Certain Disputes.  Any and all controversies or claims
arising out of or relating to this Agreement, or the breach thereof, the
Employment Agreement, or any other claim by Employee against Employer arising
from the employment of Employee or the termination of Employee's employment,
including without limitation claims alleging violation of Title VII of the Civil
Rights Act of 1964, 42 U.S.C. (S)(S)2000e, et seq., the Age Discrimination in
Employment Act, 29 U.S.C. (S)621, et seq., the Americans with Disabilities Act,
42 U.S.C. (S)12101 et seq., the Family and Medical Leave Act, 29 U.S.C. (S)2601,
et seq., any statutes of any state, and any contract or any principle of state
or federal common law, shall be settled by arbitration administered by the
American Arbitration Association under its Employment Dispute Resolution Rules.
Judgment on the award rendered by the arbitrator(s) may be entered in any court
having jurisdiction thereof.  The procedure established by this Section 11 shall
                                                                ----------
be the exclusive method for resolution of such disputes.  Any request or demand
for arbitration of any dispute covered by this Section 11 shall be filed with
                                               ----------
the American Arbitration Association no later than 300 days after the event
which gave rise to the claim.  Notwithstanding the foregoing, Employer or
Employee may seek injunctive relief in any court of law in connection with an
alleged violation of any provision of Section 10 of the Employment Agreement, as
provided in Section 10.6 of the Employment Agreement.

12.  Sale of Stock.  Employee confirms his obligation to refrain from trading
while in possession of any material non-public information relating to Employer.
In addition, Employee agrees that during the period commencing on the Transition
Date and ending on the date which is ninety (90) days following the Separation
Date, Employee shall not sell publicly any shares of stock in Employer;
provided, however, that the foregoing restriction shall not prohibit Employee
from selling:  (a) in any one day, 1,200 shares of Employer's common stock in a
public sale; or (b) any volume of shares of common stock in Employer as a
private trade (i.e., any trade which is not reflected on any securities
exchange, quotation system or SRO) to any person or entity who, individually or
as part of a group, is the beneficial owner of less than 5% of Employer's common
stock.  In connection with any sales made by Employee pursuant to clauses (a) or
(b) of this Section 12, Employer will use its best efforts to perform in a
            ----------
commercially expeditious fashion any obligations it may have with respect to
such sale (such as any instructions required to be delivered to Employer's
transfer agent).

                                       5
<PAGE>

13.  Miscellaneous

     13.1.  Binding Effect.  This Agreement and the covenants contained herein
            --------------
shall be binding upon Employee, his personal representative(s) and testate or
intestate distributees and upon Employer and its successors and assigns;
provided, that this Agreement shall be assignable by Employer to an affiliate or
any person, firm or corporation which may become a successor in interest to
Employer in the business presently operated by it or which may acquire all or
substantially all of Employer's assets or a majority of Employer's voting
capital stock.  This Agreement is a personal services contract, and accordingly,
Employee may not assign this Agreement or any rights hereunder, or delegate his
duties hereunder.

     13.2.  Notices.  Any notice required or permitted to be given under this
            -------
Agreement or the Employment Agreement shall be in writing and shall be delivered
by hand or be sent by certified mail or overnight courier addressed to Employee
at his address set forth in the first paragraph of this Agreement or to Employer
at Nobel Learning Communities, Inc., 1650 West Chester Pike, West Chester, PA
19380, Attn:  Chairman and Chief Executive Officer, with a copy to Nobel
Learning Communities, at the same address, Attn:  General Counsel, or to such
other address as either of such parties may designate in a written notice served
upon the other party in the manner provided herein.  Any such notice shall
become effective upon being mailed or, in the case of delivery by hand or
overnight courier, upon receipt.  Employee acknowledges that he has received
notice of

     13.3.  Governing Law.  This Agreement is made and delivered in the
            -------------
Commonwealth of Pennsylvania and shall be construed and enforced in accordance
with the laws of the Commonwealth of Pennsylvania, without giving effect to
principles of conflicts of law.

     13.4.  Prevailing Party.  Should any party default in performance of any
            ----------------
of the terms and conditions of this Agreement or the Employment Agreement which
results in a claim for damages, specific performance or other remedy, the
prevailing party in such action suit shall be entitled to its reasonable
attorneys' fees and court or arbitration costs from the nonprevailing party. For
the purposes of this Section 13.4, in any action with respect to the enforcement
                     ------------
of a covenant set forth in Section 10 of the Employment Agreement, Employer
shall be deemed to have prevailed if any such covenant is enforced in part, even
if the applicable court exercises its discretion to limit or reduce the duration
or scope thereof or enforces only certain of such covenants.

     13.5.  Entire Agreement; Modifications.  This Agreement constitutes the
            -------------------------------
entire agreement between Employee and Employer relative to the subject matter
hereof, and there are no agreements, representations or warranties not herein
set forth. This Agreement supersedes any prior written or oral agreement or
understanding relating to the subject matter hereof. Any amendments to this
Agreement must be in writing, signed by Employee and a duly authorized
representative of Nobel, and must state that the parties intend to amend this
Agreement. A waiver of the breach of any term or condition of this Agreement
shall not be deemed to constitute a waiver of any subsequent breach of the same
or any other term or condition.

                                       6
<PAGE>

     IN WITNESS WHEREOF, the undersigned have executed this Agreement the date
and year first written above.

                              Nobel Learning Communities, Inc.

                              By:  /s/ A. J. Clegg
                                   ------------------------------------
                                   A. J. Clegg
                                   Chairman and Chief Executive Officer

                              EMPLOYEE:

                              /s/  Daryl A. Dixon
                              -----------------------------------------
                              Daryl A. Dixon

                                       7

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