Document:

Exhibit 10.2

                  SECOND AMENDMENT TO 364-DAY CREDIT AGREEMENT

         THIS SECOND  AMENDMENT TO 364-DAY CREDIT AGREEMENT dated as of February
4, 2009 (this  "Amendment"),  is entered into among WILLIS NORTH AMERICA INC., a
Delaware  corporation  (the  "Borrower"),  WILLIS  GROUP  HOLDINGS  LIMITED,  an
exempted  company under the Companies  Act 1981 of Bermuda (the  "Parent"),  the
other  Guarantors   identified  on  the  signature  pages  hereto,  the  Lenders
identified  on the  signature  pages  hereto  and  BANK  OF  AMERICA,  N.A.,  as
Administrative Agent (in such capacity, the "Administrative Agent"). Capitalized
terms used herein and not  otherwise  defined  shall have the meanings  ascribed
thereto in the Credit Agreement.

                                    RECITALS
                                    --------

         A.       The  Borrower,  the Parent, the Lenders and the Administrative
Agent entered into that certain 364-Day Credit  Agreement dated as of October 1,
2008 (as amended and modified from time to time, the "Credit Agreement").

         B.       The  parties hereto have agreed to amend the Credit  Agreement
as provided herein.

         C.       In  consideration of the agreements hereinafter set forth, and
for other good and valuable consideration, the receipt and adequacy of which are
hereby acknowledged, the parties hereto agree as follows.

                                    AGREEMENT
                                    ---------

         1.       Amendments.

                  (a)  Section  1.01  of the  Credit  Agreement  is  amended  by
         inserting the following new definition  among the existing  definitions
         set forth in such section in the appropriate alphabetical order:

                           "Refinanced Principal Payment" means, for any period,
                  a  scheduled  payment of  principal  of any  senior  unsecured
                  Indebtedness  of the Parent or any of its  Subsidiaries to the
                  extent  such   payment  was  made  with,   and   substantially
                  concurrently  with the  receipt  of,  proceeds  of either  (a)
                  issuance of Equity  Interests of the Parent or any Subsidiary,
                  or (b) unsecured Indebtedness of the Parent or any Subsidiary,
                  or  a  combination   thereof,   issued  to  or  obtained,   as
                  applicable,  from a Person other than the Parent or one of its
                  Subsidiaries   or  Affiliates   in  a  transaction   permitted
                  hereunder  and provided  that in the case of clause (b) above,
                  the principal of such unsecured  Indebtedness  is not required
                  to  be  paid,  whether  by  way  of  mandatory  sinking  fund,
                  mandatory  redemption  or mandatory  prepayment,  prior to the
                  date which is six months after the Maturity Date.

                  (b) The definition of "Consolidated  Fixed Charges" in Section
         1.01 of the Credit Agreement is amended and restated in its entirety to
         read as follows:

<PAGE>

                           "Consolidated  Fixed Charges" means,  for any period,
                  for the Parent and its  Subsidiaries on a consolidated  basis,
                  the sum of (a) Consolidated  Interest Charges for such period,
                  plus (b) all  payments of  principal  on  Indebtedness  of the
                  Parent  and  its  Subsidiaries   (other  than  any  Refinanced
                  Principal  Payment)  scheduled  to be made in cash during such
                  period  (whether or not so made,  and expressly  excluding any
                  voluntary,  unscheduled prepayments or repayments thereof made
                  prior to the first day of the  fiscal  quarter  in which  such
                  principal payment is scheduled to be made).

         2.       Effectiveness;  Conditions Precedent.  This Amendment shall be
effective  as of the date  hereof  (the  "Amendment  Effective  Date")  upon (a)
receipt by the Administrative Agent of copies of this Amendment duly executed by
the Borrower,  the  Guarantors  and the Required  Lenders and (b) payment of all
fees and expenses required to be paid pursuant to any Loan Document on or before
the date hereof by any Loan Party.

         3.       Ratification  of Loan Documents.  Each Loan Party acknowledges
and consents to the terms set forth herein and agrees that this  Amendment  does
not impair,  reduce or limit any of its obligations under the Loan Documents (as
amended hereby).

         4.       Authority/Enforceability.   Each  Loan  Party  represents  and
warrants to the Administrative Agent and the Lenders that:

                  (a) It  has  taken  all  necessary  action  to  authorize  the
         execution, delivery and performance of this Amendment.

                  (b) This  Amendment  has been duly  executed and  delivered by
         such Person and  constitutes  such  Person's  legal,  valid and binding
         obligations,  enforceable  in  accordance  with its  terms,  subject to
         applicable bankruptcy, insolvency, reorganization,  moratorium or other
         laws  affecting  creditors'  rights  generally  and  subject to general
         principles of equity,  regardless of whether considered in a proceeding
         in equity or at law.

                  (c) No consent or approval of, registration or filing with, or
         any other action by, any  Governmental  Authority,  except such as have
         been obtained or made and are in full force and effect,  is required in
         connection  with the execution,  delivery or performance by such Person
         of this Amendment.

                  (d) The execution and delivery of this  Amendment does not (i)
         violate,  contravene  or  conflict  with any  provision  of its, or its
         Subsidiaries'   Organization  Documents  or  (ii)  materially  violate,
         contravene  or conflict  with any Laws  applicable  to it or any of its
         Subsidiaries.

         5.       Representations  and Warranties of the Loan Parties. Each Loan
Party represents and warrants that after giving effect to this Amendment (a) the
representations  and warranties of (i) the Parent and the Borrower  contained in
Article V of the Credit  Agreement  and (ii) each Loan Party  contained  in each
other  Loan  Document  or in any  document  furnished  at any  time  under or in
connection  herewith or  therewith,  shall be true and  correct in all  material
respects  (or,  if  such  representation  or  warranty  is  itself  modified  by
materiality  or  Material  Adverse  Effect,  it shall be true and correct in all
respects)  as  of  the  date  hereof,   except  (A)  to  the  extent  that  such
representations  and warranties  specifically refer to an earlier date, in which
case they shall be true and correct as of such  earlier  date and (B) the making
of the  representation  and warranty  contained in Section 5.04(b) of the Credit
Agreement  and (b) no event has occurred and is continuing  which  constitutes a
Default or an Event of Default.

<PAGE>

         6.       Counterparts/Telecopy.  This  Amendment may be executed in any
number of counterparts, each of which when so executed and delivered shall be an
original, but all of which shall constitute one and the same instrument.
Delivery of executed counterparts of this Amendment by telecopy or electronic
mail shall be effective as an original.

         7.       Reference to the Effect of the Credit Agreement.

                  (a) As of the Amendment  Effective Date, each reference in the
Credit Agreement to "this Agreement,"  "hereunder," "hereof," "herein," or words
of like  import,  shall  mean and be a  reference  to the  Credit  Agreement  as
modified  hereby,  and this  Amendment  and the Credit  Agreement  shall be read
together and construed as a single instrument. This Amendment shall constitute a
Loan Document.

                  (b) Except as expressly  amended hereby,  all of the terms and
provisions of the Credit Agreement are and shall remain in full force and effect
and are hereby 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 Lenders,  the  Administrative  Agent under the
Credit Agreement, nor constitute a waiver or amendment of any other provision of
the Credit Agreement or for any purpose except as expressly set forth herein.

         8.       GOVERNING LAW.  THIS  AMENDMENT AND THE RIGHTS AND OBLIGATIONS
OF THE PARTIES  HEREUNDER  SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED IN
ACCORDANCE  WITH THE LAWS OF THE STATE OF NEW YORK.  THE  PROVISIONS OF SECTIONS
10.14 AND 10.15 OF THE CREDIT AGREEMENT ARE  INCORPORATED BY REFERENCE,  MUTATIS
MUTANDIS, AS IF FULLY SET FORTH HEREIN.

                  [remainder of page intentionally left blank]

<PAGE>

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

BORROWER:                      WILLIS NORTH AMERICA INC.

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

GUARANTORS:                    WILLIS GROUP HOLDINGS LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               TA I LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               TA II LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               TA III LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               TA IV LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

<PAGE>

                               TRINITY ACQUISITION LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               WILLIS GROUP LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               WILLIS INVESTMENT UK HOLDINGS LIMITED

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

<PAGE>

ADMINISTRATIVE
AGENT:                         BANK OF AMERICA, N.A.,

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

LENDERS:                       BANK OF AMERICA, N.A.

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               JPMORGAN CHASE BANK, N.A.

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               SUNTRUST BANK

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________

                               THE ROYAL BANK OF SCOTLAND PLC

                               By:  ____________________________________________
                               Name:  __________________________________________
                               Title:___________________________________________Exhibit 10.1

             

            AMENDMENT NO. 1 TO CREDIT AGREEMENT

             

            This AMENDMENT NO. 1 TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) is entered into as of February 4, 2009 among the following:

            (i)        CH ENERGY GROUP, INC., a New York corporation (herein, together with its successors and assigns, the “Parent”);

            (ii)        CENTRAL HUDSON ENTERPRISES CORPORATION, a New York corporation (“Central” and together with the Parent, collectively, the “Borrowers” and, individually,
            “Borrower”);

            (iii)       the lending institutions from time to time party to the Credit Agreement referred to below (each a “Lender” and collectively, the “Lenders”);

            	
                        (iv)

                    	
                        JPMORGAN CHASE BANK, N.A., as Syndication Agent;

                    	
                         

                    
	
                        (v)

                    	
                        BANK OF AMERICA, N.A., as Co-Documentation Agent;

                    
	
                        (vi)

                    	
                        HSBC BANK USA, as Co-Documentation Agent; and

                    	
                         

                    

            (vii)          KEYBANK NATIONAL ASSOCIATION, as the Swing Line Lender, the Administrative Agent for the Lenders, a Letter of Credit Issuer, Book Manager and Lead Arranger (in such capacity as “Administrative Agent”).

            RECITALS:

             

            A.        The Borrowers, the Swing Line Lender, the Administrative Agent, the Lenders, JPMorgan Chase Bank, as Syndication Agent, Bank of America, N.A., as Co-Documentation Agent, and HSBC Bank USA, as Co-Documentation Agent are parties to the Amended and Restated Credit Agreement, dated as of February 21, 2008 (as the same may from time to
            time be amended, restated, amended and restated, supplemented or otherwise modified, the “Credit Agreement”).

            B.         The Borrowers, the Administrative Agent and the Lenders desire to amend the Credit Agreement to modify a certain provision thereof.

            AGREEMENT:

             

            In consideration of the premises and mutual covenants herein and for other valuable consideration, the Borrowers, the Administrative Agent and the Lenders agree as follows:

            Section 1. Definitions. Unless otherwise defined herein, each capitalized term used in this Amendment and not defined herein shall be defined in accordance with the Credit Agreement.

            Section 2. Amendments.

            2.1       Amendment to Section 8.1(e). Section 8.1(e) of the Credit Agreement is hereby amended and restated as follows:

            (e)               ERISA. Promptly, and in any event within 10 days after the Parent, any Subsidiary of the Parent or any ERISA Affiliate knows of the occurrence of any of the following,

            
                

            

             

            the Parent will deliver to each of the Lenders a certificate on behalf of the Borrowers of an Authorized Officer of the Parent setting forth the full details as to such occurrence and the action, if any, that the Parent, such Subsidiary or such ERISA Affiliate is required or proposes to take, together with any notices required or proposed to be given to or filed with or by the
            Parent, the Subsidiary, the ERISA Affiliate, the PBGC, a Plan participant or the Plan administrator with respect thereto (i) that a Reportable Event has occurred with respect to any Plan; (ii) the institution of any steps by the Parent, any ERISA Affiliate, the PBGC or any other Person to terminate any Plan; (iii) the institution of any steps by the Parent or any ERISA Affiliate to withdraw from any Plan; (iv) the institution of any steps by the Parent or any Subsidiary to
            withdraw from any Multiemployer Plan or Multiple Employer Plan, if such withdrawal could result in withdrawal liability (as described in Part 1 of Subtitle E of Title IV of ERISA) in excess of $7,500,000; (v) a non-exempt “prohibited transaction” within the meaning of Section 406 of ERISA in connection with any Plan; (vi) that a Plan has an Unfunded Current Liability that could reasonably be expected to have a Material Adverse Effect; (vii) any material
            increase in the contingent liability of the Parent or any Subsidiary with respect to any post-retirement welfare liability; or (ix) the taking of any action by, or the threatening of the taking of any action by, the Internal Revenue Service, the Department of Labor or the PBGC with respect to any of the foregoing.

            Section 3. Fees. As consideration for the modifications to the Credit Agreement contemplated in this Amendment, the Borrowers shall pay to the (i) Administrative Agent, for the benefit of each Lender signing this Amendment, an amendment fee in an amount equal to 20.0 basis points times
            the amount of such Lender’s Commitment and (ii) Administrative Agent, for its sole account, the fees required to be paid pursuant to the letter dated as of January 29, 2009 between the Administrative Agent and the Borrowers (the “Agent Amendment Fee Letter”).

            Section 4. Effectiveness.

            4.1       Conditions Precedent. The effectiveness of this Amendment is subject to the satisfaction of the following conditions precedent:

            (i)        Amendment Executed. This Amendment shall have been executed by the Borrowers, the Administrative Agent and each of the Lenders, and counterparts hereof as so executed shall have been delivered to the Administrative Agent.

            (ii)        Fees. The Borrowers shall have (i) paid to the Administrative Agent, for the benefit of the Lenders, the fees required to be paid by it pursuant to Section 3 above, (ii) paid to the Administrative Agent, for its sole account, the fees required to be paid
            pursuant to the Agent Amendment Fee Letter, and (iii) paid all legal fees and expenses of the Administrative Agent in connection with the preparation and negotiation of this Amendment and the other documents being executed or delivered in connection herewith.

            (iii)       Other Matters. The Borrowers shall have provided such other items and shall have satisfied such other conditions as may be reasonably required by the Administrative Agent.

            4.2       Amendment Effective Date. This Amendment shall be effective on the date (the “Amendment Effective Date”) upon which the conditions precedent set forth in Section 4.1 above are satisfied. The Administrative Agent shall
            provide the Borrowers and the Lenders written notice immediately upon the occurrence of the Amendment Effective Date. Unless otherwise specifically set forth herein, each of the amendments and other modifications set forth in this Amendment shall be effective on and after the Amendment Effective Date.

             

             

            	
                        -2-

                    

            
                

            

             

            Section 5. Miscellaneous.

            5.1       Representations and Warranties. Each Borrower, by signing below, hereby represents and warrants to the Administrative Agent and the Lenders that:

            (i)        such Borrower has the legal power and authority to execute and deliver this Amendment;

            (ii)        the officers executing this Amendment on behalf of such Borrower have been duly authorized to execute and deliver the same and bind such Borrower with respect to the provisions hereof;

            (iii)       the execution and delivery hereof by such Borrower and the performance and observance by such Borrower of the provisions hereof do not violate or conflict with the organizational documents of such Borrower or any law applicable to such Borrower or result in a breach of any provision of or constitute a default under
            any other agreement, instrument or document binding upon or enforceable against such Borrower;

            (iv)       no Default or Event of Default exists under the Credit Agreement, nor will any occur immediately after the execution and delivery of this Amendment or by the performance or observance of any provision hereof;

            (v)       no Borrower has any claim or offset against, or defense or counterclaim to, any obligations or liabilities of such Borrower under the Credit Agreement or any other Credit Document;

            (vi)       this Amendment constitutes a valid and binding obligation of such Borrower in every respect, enforceable in accordance with its terms, except as the enforceability thereof may be limited by bankruptcy, insolvency or other similar laws of general application affecting the enforcement of creditors’ rights or by
            general principles of equity limiting the availability of equitable remedies; and

            (vii)      each of the representations and warranties set forth in Article VI of the Credit Agreement is true and correct in all material respects as of the date hereof, except to the extent that any thereof expressly relate to an earlier date.

            5.2       Credit Agreement Unaffected. Each reference to the Credit Agreement or in any other Credit Document shall hereafter be construed as a reference to the Credit Agreement as amended hereby. Except as herein otherwise specifically provided, all provisions of the Credit Agreement shall
            remain in full force and effect and be unaffected hereby. This Amendment and the Agent Amendment Fee Letter shall be Credit Documents.

            5.3       Waiver. On the date hereof, each Borrower, by signing below, hereby waives and releases the Administrative Agent and each of the Lenders and their respective Related Parties from any and all claims, offsets, defenses and counterclaims of which such Borrower is aware, such waiver and
            release being with full knowledge and understanding of the circumstances and effect thereof and after having consulted legal counsel with respect thereto.

            5.4       Entire Agreement. This Amendment, together with the Credit Agreement and the other Credit Documents integrate all the terms and conditions mentioned herein or incidental hereto and

             

            	
                        -3-

                    

             

            
                

            

             

            supersede all oral representations and negotiations and prior writings with respect to the subject matter hereof.

            5.5       Counterparts This Amendment may be executed in any number of counterparts, by different parties hereto in separate counterparts and by facsimile signature, each of which when so executed and delivered shall be deemed to be an original and all of which taken together shall constitute but
            one and the same agreement.

            5.6       Governing Law. THIS AMENDMENT AND THE OTHER CREDIT DOCUMENTS AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER AND THEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND BE GOVERNED BY THE LAW OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES (OTHER THAN SECTION
            5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW). TO THE FULLEST EXTENT PERMITTED BY LAW, EACH BORROWER HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVES ANY CLAIM TO ASSERT THAT THE LAW OF ANY JURISDICTION OTHER THAN THE STATE OF NEW YORK GOVERNS THIS AMENDMENT OR ANY OF THE OTHER CREDIT DOCUMENTS.

            5.7       JURY TRIAL WAIVER. EACH OF THE PARTIES TO THIS AMENDMENT HEREBY IRREVOCABLY WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AMENDMENT OR ANY OF THE OTHER CREDIT DOCUMENTS (INCLUDING, WITHOUT
            LIMITATION, ANY AMENDMENTS, WAIVERS OR OTHER MODIFICATIONS RELATING TO ANY OF THE FOREGOING), OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY.

            [Signature pages follow.]

            

             

            	
                        -4-

                    

             

            
                

            

             

             

            IN WITNESS WHEREOF, this Amendment has been duly executed and delivered as of the date first above written.

             

            	
                        

                         

                    	
                        CH ENERGY GROUP, INC.,

                        as Borrower

                         

                        By:  /s/ Christopher M. Capone                                       

                        Name: Christopher M. Capone

                        Title:  Executive VP and CFO

                         

                    
	
                         

                    	
                        CENTRAL HUDSON ENTERPRISES CORPORATION,

                        as Borrower

                         

                        By:  /s/ Christopher M. Capone                                       

                        Name: Christopher M. Capone

                        Title: CFO

                         

                    
	
                        

                        

                         

                    	
                        KEYBANK NATIONAL ASSOCIATION,

                        as the Administrative Agent and as a Lender

                         

                        By:  /s/ Sherrie I. Manson                                                 

                        Name: Sherrie I. Manson

                        Title: Senior Vice President

                         

                    
	
                         

                    	
                        JPMORGAN CHASE BANK, N.A.

                         

                        By:  /s/ Paul Bilodeau                                                      
                         

                        Name: Paul Bilodeau

                        Title: Underwriter II

                         

                    
	
                         

                    	
                        BANK OF AMERICA, N.A.

                         

                        By:  /s/ Karen D. Finnerty                                                

                        Name: Karen D. Finnerty

                        Title: Vice President

                         

                    
	
                         

                    	
                        HSBC BANK USA

                         

                        By:  /s/ Marianne McGoldrick                                         

                        Name: Marianne McGoldrick

                        Title: Vice President

                         

                    

             

             

             

            	
                        -5-

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