Document:

<PAGE>

                                                                    EXHIBIT 10.1

                                   AMENDMENT
                                       TO
                           WEST POINTE BANCORP, INC.
                                      AND
                       WEST POINTE BANK AND TRUST COMPANY
                         SALARY CONTINUATION AGREEMENT
                                      FOR
                                 BRUCE A. BONE

      THIS AMENDMENT executed on this 16th day of December, 2004, by and between
West Pointe Bancorp, Inc. and West Pointe Bank and Trust Company, a holding
company and a state commercial bank located in Belleville, Illinois (the
"Company") and Bruce A. Bone (the "Executive").

      The Company and the Executive executed the West Pointe Bancorp, Inc. and
West Pointe Bank and Trust Company Salary Continuation Agreement dated January
1, 2003 (the "Agreement"). Pursuant to the power of amendment reserved by
Article 7 of the Agreement, the undersigned hereby amend, in part, said
Agreement for the purpose of increasing the Normal Retirement Benefit.
Therefore:

            Article 2, Section 2.1.1 shall be deleted in its entirety and
replaced with Article 2, Section 2.1.1 below:

2.1.1 Amount of Benefit. The annual benefit under this Section 2.1 is
Seventy-One Thousand Nine Hundred Thirty-three Dollars ($71,933). The Company's
Board of Directors, in its sole discretion, may increase the annual benefit
under this Section 2.1.1; however, any increase shall require the recalculation
of Schedule A.

            Schedule A of the Agreement shall be deleted in its entirety and
replaced by the attached new Schedule A.

      IN WITNESS OF THE ABOVE, the Executive and the Company have agreed to this
Amendment.

EXECUTIVE:                           COMPANY:

                                     West Pointe Bancorp, Inc.
                                     West Pointe Bank And Trust Company

/s/ Bruce A. Bone                    By /s/ Terry W. Schaefer
----------------------------            ---------------------
Bruce A. Bone                        Title President and Chief Executive Officer

<PAGE>

CLARK CONSULTING                                            PLAN YEAR REPORTING

              HYPOTHETICAL TERMINATION BENEFITS SCHEDULE-SCHEDULE A

BRUCE A. BONE
  DOB:  9/2/1954
  Plan Anniv Date: 1/1/2005
  Normal Retirement: 9/2/2019, Age 65
  Payment: Monthly Installments

<TABLE>
<CAPTION>
                                                                                                                   PRE-RETIRE.
                                         EARLY TERMINATION          DISABILITY             CHANGE OF CONTROL         DEATH
                                            Installment              Installment              Installment           BENEFIT
                                         Payable Immediately     Payable Immediately         Payable at 65        Installment
                       BENEFIT  ACCRUAL            Based On                     Based On             Based On      Based On
PERIOD      DISCOUNT    LEVEL   BALANCE  Vesting    Accrual    Vesting          Accrual    Vesting   Benefit        Benefit
ENDING        RATE      (1)       (2)      (3)       (4)        (5)               (6)        (7)       (8)           (9)
--------    --------   -------  -------  -------  ----------   -------------    --------   --------  --------     ------------
<S>         <C>        <C>      <C>      <C>      <C>          <C>              <C>        <C>       <C>          <C>
May 2004                         23,429      0%          0         0%                  0     100%      71,933       71,933
                                          5/30/2004 Accrual Balance Rollover
Dec 2004      7.5%      71,933   36,453      0%          0         0%                  0     100%      71,933       71,933
Dec 2005      7.5%      71,933   60,146      0%          0         0%                  0     100%      71,933       71,933
Dec 2006      7.5%      71,933   85,678      0%          0         0%                  0     100%      71,933       71,933
Dec 2007      7.5%      71,933  113,192      0%          0         0%                  0     100%      71,933       71,933
Dec 2008      7.5%      71,933  142,842     20%      3,158        20%              3,158     100%      71,933       71,933
Dec 2009      7.5%      71,933  174,794     40%      7,729        40%              7,729     100%      71,933       71,933
Dec 2010      7.5%      71,933  209,226     60%     13,878        60%             13,878     100%      71,933       71,933
Dec 2011      7.5%      71,933  246,331     80%     21,786        80%             21,786     100%      71,933       71,933
Dec 2012      7.5%      71,933  286,317    100%     31,653       100%             31,653     100%      71,933       71,933
Dec 2013      7.5%      71,933  329,408    100%     36,416       100%             36,416     100%      71,933       71,933
Dec 2014      7.5%      71,933  375,843    100%     41,550       100%             41,550     100%      71,933       71,933
Dec 2015      7.5%      71,933  425,883    100%     47,082       100%             47,082     100%      71,933       71,933
Dec 2016      7.5%      71,933  479,808    100%     53,043       100%             53,043     100%      71,933       71,933
Dec 2017      7.5%      71,933  537,920    100%     59,467       100%             59,467     100%      71,933       71,933
Dec 2018      7.5%      71,933  600,542    100%     66,390       100%             66,390     100%      71,933       71,933
Sep 2019      7.5%      71,933  650,680    100%     71,933       100%             71,933     100%      71,933       71,933
                                         September 2, 2019 Retirement; October 1, 2019 First Payment Date
</TABLE>

1 The first line reflects just the initial values as of May 30, 2004.

*  The purpose of this hypothetical illustration is to show the participant's
   annual benefit based on various termination assumptions. Actual benefits are
   based on the terms and provisions of the plan agreement executed between the
   company and participant and may differ from those shown.

Securities offered through Clark
Securities, Inc., DBA CCFS, Inc.                Member NASD & SIPC. Los Angeles,
in Texas. Salary Continuation Plan              California 90071-2086.
for West Pointe Bank & Trust Co.                Ph: 213-438-6300.
 - Belleville, IL 1000339  24239
199027  v5.35  12/10/2004:13
SCP-E,SD  NB<PAGE>

                                                                    EXHIBIT 4.3

                                  MORTGAGE NOTE

$600,000.00                                                   FEBRUARY 6, 2004

FOR VALUE RECEIVED, Metalico, Inc., a Delaware corporation ("Maker"), located at
186 North Avenue East, Cranford, New Jersey hereby promises to pay Carlos E.
Aguero ("Payee") or to an assignee of Payee approved by Maker which approval
shall not be unreasonably withheld, in the lawful money of the United States of
America, the principal sum of Six Hundred Thousand Dollars ($600,000) plus five
percent interest (5%) ("Mortgage Note"). The Mortgage Note will be payable in
monthly installments of $2,500 with a one year balloon terminating on February
5, 2005. This Mortgage Note is issued by Maker to Payee in accordance with
Makers' Board of Director resolution dated January 16, 2004 attached hereto as
EXHIBIT "A". Proceeds from the Mortgage Note were used for funding of a Bank of
America Note payoff and Warrant retirement in the amount of $637,284 and general
working capital needs of Maker.

1.       SECURITY. This Mortgage Note is secured by the land owned by
Metalico-Evans, Inc., a wholly owned subsidiary of Maker, that certain lot,
tract or parcel of real estate more particularly described on EXHIBIT "B"
("Land") attached hereto.

2.       PAYMENT OF INTEREST. The Mortgage Note carries interest at five percent
(5%) per annum payable in monthly installments of $2,500 made every month,
commencing on the first day of the month immediately following the date of
closing of the Mortgage Note and the first day of the month thereafter.

3.       REPAYMENT OF PRINCIPAL. The principal of this Mortgage Note is payable
on February 5, 2005. The principal of this Mortgage Note may be voluntarily
prepaid at any time without penalty.

4.       MORTGAGE NOTE SUBORDINATE TO BANK INDEBTEDNESS. The indebtedness
represented by this Mortgage Note and the payment of principal and interest on
this Mortgage Note are hereby expressly understood to be subordinate to the
right of payment to Wells Fargo Foothill Corporation (f/k/a Foothill Capital
Corporation) under the terms of that certain Loan and Security Agreement dated
May 31, 2001 and the related loan documents, except that, this Mortgage Note in
the Land shall be a first lien and not subordinate to any other loan and
security agreement.

5.       COVENANTS. Maker hereby covenants and agrees with the Payee hereof, so
long as any amount due under this Mortgage Note is outstanding, upon request of
Payee, Maker will execute and deliver such further instruments and do such
further acts as may be reasonable necessary or proper to carry out more
effectively the purposes of this Mortgage Note.

6.       EVENTS OF DEFAULT. If one or more of the following events occurs,
namely:

(a)      If there is a failure in the interest payment, when the same becomes
due and payable, and such failure continues for 60 days after receipt by Maker
of written notice of such default; or

(b)      Maker fails to comply with any of its covenant or agreements in this
Mortgage Note, and such failure continues for 60 days after receipt by Maker of
written notice of such default; or

(c)      Maker (i) admits in writing its inability to pay its debts as they come
due, or will make a general assignment for the benefit of creditors; (ii)
commences any case, proceeding or other action seeking reorganization,
arrangement, adjustment, liquidation, dissolution or composition of it or its
debts under any law relating to bankruptcy, insolvency, reorganization or relief
of debtors, or seeking appointment of a receiver, trustee, custodian or other
similar official for it or for all of any substantial part of its property;

<PAGE>

(e)      Any case, proceeding or other action against Maker will be commenced
seeking to have an order for relief entered against Maker as debtor, or seeking
reorganization, arrangement, adjustment, liquidation, dissolution or composition
of Maker or its debts under any law relating to bankruptcy, insolvency,
reorganization or relief of debtors, or seeking appointment of a receiver,
trustee, custodian or other similar official for it or all or any substantial
part of its property, and such case, proceeding or other action remains
un-dismissed for a period of ninety (90) days;

(each, an "Event of Default") then upon the written notice of Payee in case of
an Event of Default under subparagraphs 6 above, and without any action taken by
Payee in the case of an Event of Default under subparagraphs 7 below, the entire
principal amount of this Mortgage Note will become immediately due and payable,
together with all accrued and unpaid interest thereon. Maker will pay on demand
all costs and expenses, including reasonable attorney's fees, incurred or paid
by Payee in enforcing or collecting any of the obligations of Maker hereunder.
As used herein, "Default" means any event which is, or after notice or passage
of time or both would be, an Event of Default.

7.       OTHER REMEDIES. In addition to any other remedies, Payee may foreclose
on this Mortgage Note. A delay or omission by Payee in exercising any right or
remedy accruing upon an Event of Default shall not impair the right or remedy or
constitute a waiver of, or acquiescence in, the Event of Default. No remedy is
exclusive of any other remedy. All available remedies are cumulative.

8.       NOTICE REGISTERED FORM. Any notice or communication given under this
Mortgage Note will be in writing and be hand delivered, mailed by registered or
certified mail, postage prepaid, delivered by facsimile (with a telephonic
confirmation or answer-back) or by overnight courier as follows:

         (a)    If to Payee:    Carlos E Aguero
                                910 Bailey Court
                                Westfield, NJ 07090

         (b)    If to Maker:    Eric W. Finlayson, Sr. Vice President & CFO
                                Metalico Inc.
                                186 North Ave. East
                                Cranford, NJ 07016

or at such other address as hereafter will be furnished in writing by the
addressed party to the other party. Delivery by hand will be deemed given when
personally delivered; delivery by registered or certified mail will be deemed
given three (3) business days after the same is posted; delivery by facsimile
will be deemed given when received; and delivery by overnight courier will be
deemed given the first business day following the date of timely deposit with
such courier.

9.       REPLACEMENT OF NOTE. On receipt of evidence reasonably satisfactory to
Maker of the loss, theft, destruction or mutilation of this Mortgage Note on
delivery of an indemnity agreement and/or security satisfactory in form and
amount to Maker or, in the case of any such mutilation, on surrender and
cancellation of such Mortgage Note, maker at its expense will execute and
deliver, in lieu thereof, a new Mortgage Note of like tenor.

10.      WAIVER: MODIFICATIONS IN WRITING. No failure or delay on the part of
Payee in exercising any right, power or remedy hereunder will operate as a
waiver thereof, nor will any single or partial exercise of any such right, power
or remedy preclude any other or further exercise thereof or the exercise of any
other right, power or remedy. The remedies provided for herein are cumulative
and are not exclusive of any remedies that may be available to Payee at law, in
equity.

                                       2
<PAGE>

11.      SEVERABILITY. If any provision in this Mortgage Note is held invalid or
unenforceable by any court of competent jurisdiction, the other provisions of
this Mortgage Note will remain in full force and effect.

Any provision of this Mortgage Note held invalid or unenforceable only in part
or degree will remain in full force and effect to the extent not held invalid or
unenforceable.

12.      GOVERNING LAW WAIVER OF JURY. This Mortgage Note will be governed by
the laws of the State of New Jersey without regard to conflicts of laws
principles.

         THE PAYEE AND MAKER HEREBY VOLUNTARILY, IRREVOCABLY AND
         UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN
         RESOLVING ANY DISPUTE, WHETHER SOUNDING IN CONTRACT, TORT OR
         OTHERWISE, BETWEEN THE PAYEE AND MAKER ARISING OUT OF, IN
         CONNECTION WITH, RELATED TO, OR INCIDENTAL TO THE
         RELATIONSHIP ESTABLISHED BETWEEN MAKER AND THE PAYEE IN
         CONNECTION WITH THIS MORTGAGE NOTE. THIS PROVISION SHALL NOT
         IN ANY WAY AFFECT, WAIVE, LIMIT, AMEND OR MODIFY THE PAYEE'S
         ABILITY TO PURSUE ITS REMEDIES CONTAINED HEREIN.

13.      PARTIES IN INTEREST. This Mortgage Note shall bind Maker and its
successors and assigns. This Mortgage Note shall not be assigned or transferred
by Payee without the express prior written consent of Maker, except by Will or,
in default thereof, by operation of law.

14.      SECTION HEADINGS. CONSTRUCTION. The headings of Sections in this
Mortgage Note are provided for convenience only and will not affect its
construction or interpretation. All references to "Section" or "Sections" refer
to the corresponding Section or Sections of this Mortgage Note unless otherwise
specified.

All words used in this Mortgage Note will be construed to be of such gender or
number as the circumstances require. Unless otherwise expressly provided, the
words "hereof' and "hereunder" and similar references refer to this Mortgage
Note in its entirety and not to any specific section or subsection hereof

IN WITNESS WHEREOF, Maker has executed and delivered this Mortgage Note as of
the date first stated above.

                                        METALICO, INC.

                                        ---------------------------------------
                                        By:  Eric W. Finlayson
                                        Title: Sr. Vice President & CFO

                                       3

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