Document:

Ninth Note Modification Agreement

 Exhibit 10.2 
 NINTH NOTE MODIFICATION AGREEMENT 
 THIS NINTH NOTE MODIFICATION AGREEMENT (“this
Agreement”) dated as of December 8, 2006, is entered into by REGIONS BANK, an Alabama banking corporation as successor by merger to AmSouth Bank, an Alabama banking corporation (the “Lender”), and ALABAMA NATIONAL
BANCORPORATION, a Delaware corporation (the “Borrower”). 
 Recitals 
 A. The Borrower and the Lender have entered into a Credit Agreement dated as of December 29, 1995 as amended by a First Amendment thereto dated as
of January 20, 1997, a Second Amendment thereto dated as of January 19, 1998, a Third Amendment thereto dated as of May 31, 1999, a Fourth Amendment thereto dated as of May 31, 2000, a Fifth Amendment thereto dated as of
May 31, 2001, a Sixth Amendment thereto dated as of May 31, 2002, a Seventh Amendment thereto dated as of May 31, 2003, an Eighth Amendment thereto dated as of May 31, 2004, a Ninth Amendment thereto dated as of May 31, 2005
and a Tenth Amendment to Credit Agreement dated as of April 3, 2006 (as so amended, the “Credit Agreement”) pursuant to the terms of which the Lender has made a line of credit available to the Borrower, as evidenced by a master note
dated December 29, 1995 executed and delivered by the Borrower to the Lender, as modified by a Note Modification Agreement dated as of January 20, 1997, a Second Note Modification Agreement dated as of May 31, 2000, a Third Note
Modification Agreement dated as of May 31, 2001, a Fourth Note Modification Agreement dated as of May 31, 2002, a Fifth Note Modification Agreement dated as of May 31, 2003, a Sixth Note Modification Agreement dated as of May 31,
2005, a Seventh Note Modification Agreement dated as of May 31, 2005, and an Eighth Note Modification Agreement dated as of April 3, 2006 (as so modified, the “Master Note”). 
 B. The Borrower has requested the Lender to consent to a further modification of the Master Note as provided below. The Lender has agreed to such
modification of the Master Note, provided the Borrower executes this Agreement. 
 Agreement 
 NOW, THEREFORE, in consideration of the foregoing recitals and of the mutual agreement of the parties hereto, the parties hereto hereby agree as
follows: 
 1. The first sentence of the first paragraph of the Master Note is hereby further amended to read, in its entirety, as follows:

 FOR VALUE RECEIVED, ALABAMA NATIONAL BANCORPORATION, a Delaware corporation (the “Borrower”), promises to
pay to the order of REGIONS BANK, an Alabama banking corporation (herein called the “Lender,” and together with any subsequent holder of this note called the “Holder”), the principal sum of Twenty Million and No/100
Dollars ($20,000,000.00), or so much thereof as may be advanced by the 

 
Lender from time to time under the Credit Agreement dated as of December 29, 1995 between the Borrower and the Lender as amended by a First Amendment
thereto dated as of January 20, 1997, a Second Amendment thereto dated as of January 19, 1998, a Third Amendment thereto dated as of May 31, 1999, a Fourth Amendment thereto dated as of May 31, 2000, a Fifth Amendment thereto
dated as of May 31, 2001, a Sixth Amendment thereto dated as of May 31, 2002, a Seventh Amendment thereto dated as of May 31, 2003, an Eighth Amendment thereto dated as of May 31, 2004, a Ninth Amendment thereto dated as of
May 31, 2005, a Tenth Amendment thereto dated as of April 3, 2006 and an Eleventh Amendment thereto dated as of December 8, 2006 (as so amended and as further amended from time to time, the “Credit Agreement”). 

2. Interest on the Master Note shall continue to be payable as provided in the Credit Agreement. 
 3. All references in the Master Note to “Credit Agreement” shall refer to the Credit Agreement (as defined above) and to the Credit Agreement
as it may be further amended from time to time. 
 4. Notwithstanding the execution of this Agreement, the Master Note shall remain in full
force and effect, as modified hereby; and nothing herein contained and nothing done pursuant hereto shall be construed to release, satisfy, discharge, terminate or otherwise affect or impair in any manner whatsoever (a) the validity or
enforceability of the indebtedness evidenced by the Master Note, except as expressly modified hereby; (b) the liability of any maker, endorser, surety, guarantor or any party or parties whatsoever who may now or hereafter be liable under or on
account of the Master Note or the Credit Agreement; or (c) any security or other instrument held by the Lender now or hereafter as security for or evidence of the above-described indebtedness or any thereof. 
 5. This Agreement shall be binding upon the successors and assigns of the parties hereto. 
 6. This Agreement shall be governed by and construed in accordance with the laws of the State of Alabama. 
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 IN WITNESS WHEREOF, the Lender and the Borrower have caused this Agreement to be executed and
delivered by their duly authorized corporate officers as of the day and year first above written but actually on the date set forth below their signature. 
  

			
	ALABAMA NATIONAL BANCORPORATION
		
	By:	 	  /s/ William E. Matthews, V

	Its:	 	Executive Vice President and Chief Financial Officer
	
	December 8, 2006
	
	REGIONS BANK
		
	By:	 	  /s/ Christian White

	Its:	 	Commercial Banking Officer
	
	December 8, 2006

  

 3First Amendment to Pledge Agreement

 Exhibit 10.3 
 FIRST AMENDMENT TO 
 PLEDGE AGREEMENT 
 THIS FIRST AMENDMENT TO PLEDGE AGREEMENT (“this Amendment”) dated as of December 8, 2006 is entered into by ALABAMA NATIONAL
BANCORPORATION, a Delaware corporation (the “Pledgor”), and REGIONS BANK, an Alabama banking corporation as successor by merger to AmSouth Bank, an Alabama banking corporation (the “Lender”). 
 Recitals 
 A. The Pledgor and
the Lender have entered into a Credit Agreement dated as of December 29, 1995, as amended from time to time (as so amended, the “Credit Agreement”), pursuant to which the Lender agreed to make available to the Pledgor a revolving line
of credit facility. 
 B. The Pledgor has heretofore entered into a Pledge Agreement dated as of April 3, 2006 in favor of the Lender
(the “Pledge Agreement”) pursuant to which the Pledgor pledged and delivered the Property described in the Pledge Agreement to the Lender as security for the Obligations described in the Pledge Agreement. 
 C. In connection with a further amendment of the Credit Agreement, Pledgor wishes to amend the Pledge Agreement, as hereinafter set forth, for the
purpose of amending the definition of the defined term “Obligations”. 
 Agreement 
 NOW, THEREFORE, in consideration of the above recitals and for other good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, the parties hereby agree as follows: 
 1. The defined term “Line of Credit Loan” shall be added to
Section 1.2 of the Pledge Agreement to read, in its entirety, as follows: 
 “Line of Credit
Loan” means that certain loan made by Lender in favor of Pledgor as evidenced by the Line of Credit Note. 
 2. The defined term
“Line of Credit Note” shall be added to Section 1.2 of the Pledge Agreement to read, in its entirety, as follows: 
 “Line of Credit Note” means that certain master note dated December 29, 1995 executed and delivered by Pledgor to Lender, as modified by a Note Modification Agreement dated as of January 20, 1997, a Second
Note Modification Agreement dated as of May 31, 2000, a Third Note Modification Agreement dated as of May 31, 2001, a Fourth Note Modification Agreement dated as of May 31, 2002, a Fifth Note Modification Agreement dated as of
May 31, 2003, a Sixth Note Modification Agreement dated as of May 31, 2005, a 

 
Seventh Note Modification Agreement dated as of May 31, 2005, an Eighth Note Modification Agreement dated as of April 3, 2006, and a Ninth Note
Modification Agreement dated as of December 8, 2006, as may be further modified from time to time. 
 3. The defined term
“Obligations” set forth in Section 1.2 of the Pledge Agreement is hereby amended to read, in its entirety, as follows: 
 “Obligations” means (a) (1) the payment of all amounts now or hereafter becoming due and payable under the Revolving Note, including the principal amount of the Revolving Loan, all
interest thereon (including interest that, but for the filing of a petition in bankruptcy, would accrue on any such principal) and all other fees, charges and costs (including attorneys’ fees and disbursements) payable in connection therewith;
(2) the observance and performance by the Pledgor of all of the provisions of the Revolving Note; (3) the payment of all sums advanced or paid by the Lender in exercising any of its rights, powers or remedies under the Revolving Note, and
all interest (including post-bankruptcy petition interest, as aforesaid) on such sums provided for herein or therein; (4) the payment of all amounts now or hereafter becoming due and payable under any agreement between the Pledgor and the
Lender now existing or hereafter entered into, which provides for an interest rate or commodity swap, cap, floor, collar, forward foreign exchange transaction, currency swap, cross-currency rate swap, currency option, or any combination of, or
option with respect to, these or similar transactions, for the purpose of hedging such Pledgor’s exposure to fluctuations in interest rates, currency valuations or commodity prices, and (5) all renewals, extensions, modifications and
amendments of any of the foregoing, whether or not any renewal, extension, modification or amendment agreement is executed in connection therewith and (b) (1) the payment of all amounts now or hereafter becoming due and payable under the
Line of Credit Note, including the principal amount of the Line of Credit Loan, all interest thereon (including interest that, but for the filing of a petition in bankruptcy, would accrue on any such principal) and all other fees, charges and costs
(including attorneys’ fees and disbursements) payable in connection therewith; (2) the observance and performance by the Pledgor of all of the provisions of the Line of Credit Note; (3) the payment of all sums advanced or paid by the
Lender in exercising any of its rights, powers or remedies under the Line of Credit Note, and all interest (including post-bankruptcy petition interest, as aforesaid) on such sums provided for herein or therein; (4) the payment of all amounts
now or hereafter becoming due and payable under any agreement between the Pledgor and the Lender now existing or hereafter entered into, which provides for an interest rate or commodity swap, cap, floor, collar, forward foreign exchange transaction,
currency swap, cross-currency rate swap, currency option, or any combination of, or option with respect to, these or similar transactions, for the purpose of hedging such Pledgor’s exposure to fluctuations in interest rates, currency valuations
or commodity prices, and (5) all renewals, extensions, modifications and amendments of any of the foregoing, whether or not any renewal, extension, modification or amendment agreement is executed in connection therewith. 
  

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 4. The defined term “Revolving Note” shall be added to Section 1.2 of the Pledge Agreement
to read, in its entirety, as follows: 
 “Revolving Note” means that certain Revolving Note dated as
of April 3, 2006 made by Pledgor in favor of Lender in the principal amount of Sixteen Million and No/100 Dollars ($16,000,000.00), or so much as may be advanced by the Lender thereunder. 
 5. Except as hereby amended and modified, the Pledge Agreement shall remain in full force and effect. 
 6. The Pledgor represents and warrants that all representations and warranties made in the Pledge Agreement are true and correct as of the date of this
Amendment, and no Event of Default, as said term is defined in the Pledge Agreement, or circumstances that with notice or lapse of time or both would constitute an Event of Default thereunder, has occurred and is continuing. 
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 IN WITNESS WHEREOF, the undersigned have caused this Amendment to be executed and delivered by
their duly authorized corporate officers as of the day and year first above written but actually on the date set forth below their signature. 
  

			
	ALABAMA NATIONAL BANCORPORATION
		
	By:	 	  /s/ William E. Matthews, V

	Its:	 	Executive Vice President and Chief Financial Officer
	
	December 8, 2006
	
	REGIONS BANK
		
	By:	 	  /s/ Christian White

	Its:	 	Commercial Banking Officer
	
	December 8, 2006

  

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