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                                                                  EXHIBIT 10.134

                   AMENDMENT NO. 2 TO CONTRACT SALE AGREEMENT
                                       AND
                     AMENDMENT NO. 1 TO SERVICING AGREEMENT

         THIS AMENDMENT NO. 2 TO CONTRACT SALE AGREEMENT and AMENDMENT NO. 1 TO
SERVICING AGREEMENT (the "Amendment") is made as of April 7, 2000, by and
between NUVELL CREDIT CORPORATION, a Delaware corporation (the "Purchaser" or
the "Owner"), and NATIONAL AUTO FINANCE COMPANY, INC., a Delaware corporation
(the "Seller" or the "Servicer").

         WHEREAS, the Seller and the Purchaser have entered into that certain
Contract Sale Agreement dated as of February 4, 2000, which was amended by a
First Amendment to Contract Sale Agreement dated effective as of February 29,
2000 (the "Contract Sale Agreement"), pursuant to which the Seller has agreed to
sell, and the Purchaser has agreed to purchase, Eligible Program Contracts, as
defined in the Contract Sale Agreement; and

         WHEREAS, the Seller, as the "Servicer," and the Purchaser, as the
"Owner," have entered into that certain Servicing Agreement dated as of February
4, 2000 (the "Servicing Agreement"), pursuant to which the Seller has agreed to
provide collection and administrative services with respect to Sold Program
Contracts purchased by the Purchaser from the Seller pursuant to the Contract
Sale Agreement and that certain Sale and Purchase Agreement by and between the
Seller, National Financial Auto Funding Trust II and the Purchaser dated as of
March 30, 2000, as amended;

         WHEREAS, the Seller and the Purchaser now desire to amend the Contract
Sale Agreement and the Servicing Agreement, in the manner and to the extent
stated herein.

         NOW, THEREFORE, in consideration of the premises and the mutual
agreements hereinafter contained, and for other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:

         Section 1.  Definitions.

         Each capitalized term in this Amendment shall have the meaning ascribed
to it set forth in the Contract Sale Agreement, unless otherwise stated in this
Amendment:

         Section 2.  Amendments to Contract Sale Agreement.

         (a) Section 2.5 of the Contract Sale Agreement is hereby amended and
restated in its entirety as follows:

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                  The Term of this Agreement shall be for an initial period (the
         "Initial Period") commencing on the date hereof and ending on May 31,
         2000 (such date, as such is and may be extended pursuant hereto, is
         hereinafter referred to as the "Scheduled Termination Date"). The
         Seller and the Purchaser hereby agree that the Term of this Agreement
         shall be extended beyond the Initial Period until December 31, 2000.
         The Term of this Agreement shall be extended for an additional three
         (3) calendar months beyond a Scheduled Termination Date, unless the
         Purchaser or the Seller shall give written notice to the other party of
         its desire to terminate this Agreement at least fifteen (15) days prior
         to the Scheduled Termination Date. Either the Purchaser or the Seller
         shall be allowed to terminate this Agreement and its respective
         obligations under this Agreement (not including its indemnification
         obligations and such other obligations as shall survive termination of
         this Agreement, as specifically set forth herein) upon the earlier of
         (i) the Scheduled Termination Date, (ii) the passage of any applicable
         period of remedy and notice pursuant to Article VII, or (iii) after the
         Initial Period, the giving to the other party of at least thirty (30)
         days advance written notice of its desire to terminate this Agreement.

         (b) Section 5.1(c) of the Contract Sale Agreement is hereby amended and
restated in its entirety as follows:

                  (c) Cause to be delivered to the Purchaser within fifteen (15)
         days after May 31, 2000, and after any other extension of the Scheduled
         Termination Date (i) an Officer's Certificate of the Seller in the form
         of Exhibit E, dated the date of such delivery; (ii) a Secretary's
         Certificate of Seller in the form required by Section 3.1(a)(v) hereof,
         dated the date of such delivery; and (iii) an opinion of counsel, in
         form and substance satisfactory to the Purchaser, reaffirming as of the
         date of its delivery the opinion of counsel with respect to the Seller
         and delivered to the Purchaser on the Closing Date pursuant to Section
         3.1(a)(viii) hereof.

         (c) Section 7.3(b)(iii), subpart (B), of the Contract Sale Agreement is
hereby amended by replacing the reference to "Six and 50/100 Percent (6.50%) per
annum" with "Seven and 50/100 Percent (7.50%) per annum," so that such provision
reads, "or (B) the difference between the Seller's actual cost of financing the
ownership of Eligible Program Contracts and Seven and 50/100 Percent (7.50%) per
annum. . . ."

         Section 3.  Amendments to Servicing Agreement.

         Section 11.1 of the Servicing Agreement is hereby amended and restated
in its entirety as follows:
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                  This Servicing Agreement shall be effective commencing as of
         the date hereof. The Term of this Servicing Agreement shall be for an
         initial period (the "Initial Period") commencing on the date hereof and
         ending on May 31, 2000 (such date, as such is and may be extended
         pursuant hereto, is hereinafter referred to as the "Scheduled
         Termination Date"). The Servicer and the Owner hereby agree that the
         Term of this Servicing Agreement shall be extended beyond the Initial
         Period until December 31, 2000. The Term of this Servicing Agreement
         shall be extended for an additional three (3) calendar months beyond a
         Scheduled Termination Date, unless the Owner shall give written notice
         to the Servicer of its desire to terminate this Agreement at least
         fifteen (15) days prior to the Scheduled Termination Date.
         Notwithstanding the foregoing, the Term of this Servicing Agreement
         shall be terminated upon the happening of any of the following events:
         (a) the later of the collection by Servicer and transfer to Owner of
         final payment or liquidation with respect to the last Contract and the
         remittance of all funds due hereunder; (b) the mutual written consent
         of Servicer and Owner; (c) Servicer or Owner has an uncured Default
         under Article X hereof, and the non-defaulting party has given the
         defaulting party notice of termination as provided in Article X, which
         Event of Default has not been waived by the non-defaulting party
         pursuant to Section 10.3 hereof, or (d) the earlier of the last day of
         the calendar month in which the Sale Agreement shall be terminated,
         pursuant to its terms or otherwise, or the fifteenth (15th) day after
         which either the Servicer or the Owner shall have given written notice
         to the other party of its desire to terminate the Sale Agreement
         pursuant to subprovision (iii) of the last sentence of Section 2.5 of
         the Sale Agreement.

         Section 4.  Governing Law.

         THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF FLORIDA WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF
LAW.

         Section 5.  Counterparts.

         This Amendment may be executed in two or more counterparts, each of
which shall be deemed to be an original and all of which together shall
constitute one and the same agreement.

         Section 6.  Effectiveness of Contract Sale Agreement.

         Except as expressly amended by the terms of this Amendment, all terms
and conditions of the Contract Sale Agreement and the Servicing Agreement shall
remain in full force and effect.

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         IN WITNESS WHEREOF, Seller and Purchaser have caused their names to be
signed hereto by their respective officers thereunto duly authorized as of the
day and year first above written.

                                  NUVELL CREDIT CORPORATION,
                                   as Purchaser and Owner

                                  By:      /s/ TOMMY E. PRITCHARD
                                           ------------------------------------
                                           Tommy E. Pritchard
                                  Title:   President

                                  NATIONAL AUTO FINANCE COMPANY, INC.,
                                   as Seller and Servicer

                                  By:      /s/ WILLIAM MAGRO
                                           ------------------------------------
                                           William Magro
                                  Title:   President and Chief Operating Officer

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                                                                     EXHIBIT 4.2

THE WARRANT SECURITIES TO BE RECEIVED UPON EXERCISE OF THIS WARRANT HAVE NOT
BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR QUALIFIED UNDER
ANY STATE SECURITIES LAWS. THE WARRANT SECURITIES MAY NOT BE OFFERED, SOLD,
PLEDGED, HYPOTHECATED OR OTHERWISE TRANSFERRED, WHETHER OR NOT FOR
CONSIDERATION, IN THE ABSENCE OF (1) AN EFFECTIVE REGISTRATION STATEMENT AND
QUALIFICATION WITH RESPECT TO THE WARRANT SECURITIES UNDER THE SECURITIES ACT
AND UNDER ANY APPLICABLE STATE SECURITIES LAWS OR (2) AN EXEMPTION FROM SUCH
QUALIFICATION AND REGISTRATION.

                          COMMON STOCK PURCHASE WARRANT

                                 March 31, 2000

Capitalized terms used and not otherwise defined in this Warrant shall have the
meanings respectively assigned to them in the Warrant Agreement, dated as of the
date hereof, by and between the Company and Holder.

MigraTEC, Inc., a Florida corporation (the "Company"), does hereby certify and
agree that, for good and valuable consideration (the existence, sufficiency and
receipt of which are hereby acknowledged by the Company), _____________________,
its successor, and assigns ("Holder"), hereby is entitled to purchase from the
Company, during the term set forth in Section 1 hereof, up to an aggregate
amount of ___________shares (the "Exercise Quantity") of duly authorized,
validly issued, fully paid and non-assessable shares of Common Stock of the
Company (the "Common Stock"), all upon the terms and provisions and subject to
adjustment of such Exercise Quantity provided in the Warrant Agreement and this
Common Stock Purchase Warrant (the "Warrant"). The exercise price per share of
Common Stock for which this Warrant is exercisable shall be $0.20, as adjusted
from time to time pursuant to the terms of this Warrant and the Warrant
Agreement (the "Exercise Price").

         1. Term of the Warrant. The term of this Warrant commences as of the
date hereof, and shall expire at 5:00 P.M., Central time, on March 31, 2005.

         2. Exercise of Warrant.

                  (a) This Warrant may be exercised by the Holder of this
Warrant at any time during the term hereof, in whole or in part, from time to
time (but not for fractional shares, unless this Warrant is exercised in whole),
by presentation and surrender of this Warrant to the Company, together with the
annexed Exercise Form duly completed and executed and payment

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in the aggregate amount equal to the Exercise Price multiplied by the number of
shares of Common Stock being purchased. At the option of Holder, payment of the
Exercise Price may be made either by (i) certified check payable to the order of
the Company, (ii) surrender of certificates then held representing, or deduction
from the number of shares issuable upon exercise of this Warrant, of that number
of shares which has an aggregate Fair Value determined in accordance with the
Warrant Agreement on the date of exercise equal to the aggregate Exercise Price
for all shares to be purchased pursuant to this Warrant, or (iii) by any
combination of the foregoing methods. Within five business days of the Company's
receipt of this Warrant, the completed and signed Exercise Form and the
requisite payment (if any), the Company shall issue and deliver (or cause to be
delivered) to the exercising Holder stock certificates aggregating the number of
shares of Warrant Securities purchased.

                  (b) This Warrant may be exercised by the Holder of this
Warrant at any time in accordance with Section 2(a) hereof (but not for
fractional shares, unless this Warrant is exercised in whole), by presentation
and surrender of this Warrant to the Company, together with the annexed Exercise
Form duly completed and executed and payment in the aggregate amount equal to
the Exercise Price multiplied by the number of shares of Common Stock being
purchased. At the option of Holder, payment of the Exercise Price may be made
either by (i) certified check payable to the order of the Company, (ii)
surrender of certificates then held representing, or deduction from the number
of shares issuable upon exercise of this Warrant, of that number of shares which
has an aggregate Fair Value determined in accordance with this Agreement on the
date of exercise equal to the aggregate Exercise Price for all shares to be
purchased pursuant to this Warrant, or (iii) by a combination of the foregoing
methods. Within five business days of the Company's receipt of this Warrant, the
completed and signed Exercise Form and the requisite payment (if any), the
Company shall issue and deliver (or cause to be delivered) to the exercising
Holder stock certificates aggregating the number of shares of Warrant Securities
purchased.

                  (c) In the event the Holder of this Warrant desires that any
or all of the stock certificates to be issued upon the exercise hereof be
registered in a name or names other than that of the Holder of this Warrant, the
Holder must (i) so request in writing at the time of exercise if the transfer is
not a registered transfer, and (ii) provide to the Company evidence reasonably
satisfactory to the Company to the effect that the proposed transfer may be
effected without registration under the Securities Act.

                  (d) Upon the due exercise by the Holder of this Warrant,
whether in whole or in part, the Holder (or any other person to whom a stock
certificate is to be so issued) shall be deemed for all purposes to have become
the Holder of record of the shares of Common Stock for which this Warrant has
been so exercised, effective immediately prior to the close of business on the
date this Warrant, the completed and signed Exercise Form and the requisite
payment were duly delivered to the Company, irrespective of the date of actual
delivery of certificates representing such shares of Common Stock so issued.

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         3. Surrender of Warrant; Expenses.

                  (a) Whether in connection with the exercise, exchange or
registration of transfer or replacement of this Warrant, surrender of this
Warrant shall be made to the Company during normal business hours on a business
day (unless the Company otherwise permits) at the executive offices of the
Company or to such other office or duly authorized representative of the Company
as from time to time may be designated by the Company by written notice given to
the Holder of this Warrant.

                  (b) The Company shall pay all costs and expenses incurred in
connection with the exercise, registering, exchange, transfer or replacement of
this Warrant, including the costs of preparation, execution and delivery of
warrants and stock certificates, and shall pay all taxes (other than any taxes
measured by the income of any Person other than the Company) and other charges
imposed by law payable in connection with the transfer or replacement of this
Warrant.

                  (c) The Company shall deliver or cause to be delivered to the
Holder exercising this Warrant or any portion hereof certificates representing
the shares of Common Stock issuable upon such exercise within five business days
of the surrender and delivery by such Holder to the Company of this Warrant and
a duly completed Exercise Form and the requisite payment.

         4. Warrant Register; Exchange; Transfer; Loss.

                  (a) The Company at all times shall maintain at its chief
executive offices an open register for all Warrants, in which the Company shall
record the name and address of each Person to whom a Warrant has been issued or
transferred, the number of shares of Common Stock or other securities
purchasable hereunder and the corresponding purchase prices.

                  (b) This Warrant may be exchanged for two or more warrants
entitling the identical Holder hereof to purchase the same aggregate Exercise
Quantity at the same Exercise Price per share and otherwise having the same
terms and provisions as this Warrant. The identical Holder may request such an
exchange by surrender of this Warrant to the Company, together with a written
exchange request specifying the desired number of warrants and allocation of the
Exercise Quantity purchasable under the existing Warrant.

                  (c) This Warrant may be transferred only in accordance with
the provisions of Article VII of the Warrant Agreement, in whole or in part, by
the Holder or any duly authorized representative of such Holder. A transfer may
be registered with the Company by submission to it of this Warrant, together
with the annexed Assignment Form duly completed and executed, and if the
transfer is not a registered transfer, evidence reasonably satisfactory to the
Company that such transfer is in compliance with federal and state securities
laws. Within five business days after the Company's receipt of this Warrant and
the Assignment Form so completed and executed, the Company will issue and
deliver to the transferee a new Warrant representing the

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portion of the Exercise Quantity transferred at the same Exercise Price per
share and otherwise having the same terms and provisions as this Warrant, which
the Company will register in the new Holder's name.

                  (d) Upon receipt by the Company of evidence reasonably
satisfactory to it of the ownership of and the loss, theft, destruction or
mutilation of this Warrant, and (a) in the case of loss, theft or destruction,
upon receipt by the Company of indemnity reasonably satisfactory to it, or (b)
in the case of mutilation, upon surrender and cancellation thereof, the Company,
at its expense, will execute, register and deliver, in lieu thereof, a new
certificate or instrument for (or covering the purchase of) this Warrant.

                  (e) The Company will not close its books against the transfer
of this Warrant or any of the Warrant Securities in any manner which interferes
with the timely exercise of this Warrant. The Company will from time to time
take all such action as may be necessary to assure that the par value per share
of the unissued Common Stock acquirable upon exercise of this Warrant is at all
times equal or less than the Exercise Price then in effect.

         5. Rights and Obligations of the Company and the Holder. The Company
and the Holder of this Warrant are entitled to the rights and bound by the
obligations set forth in the Warrant Agreement, all of which rights and
obligations are hereby incorporated by reference herein. This Warrant shall not
entitle its Holder to any rights of a stockholder in the Company (other than as
provided in Section 2(c) of this Warrant and the Warrant Agreement).

            [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK.]

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         IN WITNESS WHEREOF, the Company has caused this Warrant to be executed
by its duly authorized representative and its corporate seal, if any, to be
impressed hereupon and attested to by its Secretary or Assistant Secretary.

                                       MIGRATEC, INC.

                                       By:
                                          --------------------------------------
                                          Curtis Overstreet, President

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                                 MigraTEC, Inc.
                                  EXERCISE FORM

MigraTEC, Inc. (the "Company")

         The undersigned hereby irrevocably elects to exercise the right of
purchase represented by the within Warrant Certificate for, and to purchase
thereunder, ______ shares of common stock of the Company (the "Warrant
Securities"), and requests that certificates for the Warrant Securities be
issued in the name of:

         ---------------------------------------------------------------
         (Please print or Type Name, Address and Social Security Number)

         ---------------------------------------------------------------

         ---------------------------------------------------------------

and, if said number of shares of Warrant Securities shall not be all the Warrant
Securities purchasable hereunder, that a new Warrant Certificate for the balance
of the Warrant Securities purchasable under the within Warrant Certificate be
registered in the name of the undersigned Holder or his Assignee as below
indicated and delivered to the address stated below.

Dated:
      ------------------

Name of Holder
or Assignee:
                  ----------------------------
                          (Please Print)

Address:
                  ----------------------------

                  ----------------------------

Signature:
                  ----------------------------

Note: The above signature must correspond with the name as it appears upon the
face of this Warrant Certificate in every particular, without alteration or
enlargement or any change whatever, unless these Warrants have been assigned.

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                                   ASSIGNMENT
                 (To be signed only upon assignment of Warrants)

         FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfers
the right to purchase ______ shares of common stock represented by the within
Warrant Certificate unto, and requests that a certificate for such Warrant be
issued in the name of:

          -------------------------------------------------------------
          (Name and Address of Assignee Must be Printed or Typewritten)

          -------------------------------------------------------------

          -------------------------------------------------------------

The undersigned hereby irrevocably constitutes and appoints
________________________ Attorney to transfer said Warrant on the books of the
Company, with full power of substitution in the premises and, if said number of
shares of common stock shall not be all of the common stock purchasable under
the within Warrant Certificate, that a new Warrant Certificate for the balance
of the common stock purchasable under the within Warrant Certificate be
registered in the name of the undersigned Holder and delivered to such Holder's
address as then set forth on the Company's books.

Dated:
      ------------------               -----------------------------------------
                                                  Signature of Registered Holder

Note: The above signature must correspond with the name as it appears upon the
face of this Warrant Certificate in every particular, without alteration or
enlargement or any change whatever.

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