Document:

EX-10.2

Exhibit 10.2

AMENDMENT NO. 3 TO SERIES 2008-A

SUPPLEMENT TO BASE INDENTURE

THIS AMENDMENT NO. 3 TO SERIES 2008-A SUPPLEMENT TO BASE INDENTURE (this “Amendment”)
is executed as of November 12, 2010, by and among Cofina Funding, LLC, as the Issuer (the
“Issuer”), U.S. Bank National Association, as the Trustee (the “Trustee”), The Bank
of Tokyo-Mitsubishi UFJ, Ltd., New York Branch, as the Required Noteholder (the
“Noteholder”).

RECITALS

WHEREAS, the Issuer and the Trustee are parties to that certain Base Indenture, dated as of
August 10, 2005 (the “Indenture”), and that certain Series 2008-A Supplement thereto, dated
as of November 21, 2008 (as amended through the date hereof, the “Supplement”);

WHEREAS, Section 14.2 of the Indenture requires the consent of the Required
Noteholders to any amendment to the Supplement not described in Section 14.1 of the
Indenture;

WHEREAS, the Noteholder constitutes the Required Noteholders because the Noteholder represents
in excess of 50% of the aggregate principal balance of all Notes of all Series; and

WHEREAS, the Issuer and the Trustee desire to amend the Supplement as hereinafter set forth
and acknowledge and agree that such amendments are not described in Section 14.1 of the
Indenture.

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

SECTION 1. Certain Defined Terms. Each capitalized term used but not defined herein
shall have the meaning ascribed thereto in, or by reference in, the Supplement.

SECTION 2. Amendment to Supplement. The Supplement is hereby amended as follows:

(a) The definition of “Scheduled Principal Payment Amount” is amended in its entirety
to read as follows:

“Scheduled Principal Payment Amount” means (i) with respect to any
Settlement Date prior to the Commitment Termination Date, the sum of (A) zero (0)
and (B) the lesser of (1) the excess, if any, of the Note Principal over the Maximum
Principal Amount and (2) the largest amount of funds available to be allocated to
pay the Scheduled Principal Payment Amount of Series 2008 such that there would not
be an Event of Default caused by including such amount in the Scheduled Principal
Payment Amount for Series 2008-A; and (ii) with respect to any Settlement Date on or
following the Commitment Termination Date, the excess, if any, of (x) the then Note
Principal over (y) the Scheduled Targeted Principal Balance for the Notes for such
Settlement Date.

SECTION 3. Effect of Amendment. Except as expressly amended and modified by this
Amendment, all provisions of the Supplement shall remain in full force and effect. After this
Amendment becomes effective, all references in the Supplement to “this Series Supplement”,
“hereof”, “herein” or words of similar effect referring to the Supplement shall be deemed to be
references to the Supplement as amended by this Amendment. This Amendment shall not be deemed to
expressly or impliedly waive, amend or supplement any provision of the Supplement other than as set
forth herein.

SECTION 4. Effectiveness. This Amendment shall become effective upon receipt by the
Noteholder of counterparts of this Amendment (whether by facsimile or otherwise) executed by each
of the parties hereto.

SECTION 5. Counterparts. This Amendment may be executed by different parties in any
number of counterparts, each of which when so executed shall be deemed to be an original and all of
which when so executed shall together constitute but one and the same instrument.

SECTION 6. Governing Law. This Amendment shall be governed by, and construed in
accordance with, the laws of the State of New York.

SECTION 7. Section Headings. The various headings of this Amendment are inserted for
convenience only and shall not affect the meaning or interpretation of this Amendment or the
Supplement or any provision hereof or thereof.

[Signatures Follow]

IN WITNESS WHEREOF, the undersigned have caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first written above.

COFINA FUNDING, LLC,

as the Issuer

By: /s/ James M. Grafing—

Name: James M. Grafing

Title: Chief Financial Officer

[Signatures Continue on the Following Page]

U.S. BANK NATIONAL ASSOCIATION,

as the Trustee

By: /s/ Michelle Moeller

Name: Michelle Moeller

Title: Vice President

[Signatures Continue on the Following Page]

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW
YORK BRANCH,

as the Noteholder

By: /s/ Aditya Reddy

Name: Aditya Reddy

Title: Senior Vice PresidentEX-10.3

Exhibit 10.3

AMENDMENT NO. 4 TO BASE INDENTURE

THIS AMENDMENT NO. 4 TO BASE INDENTURE, dated as of November 12, 2010 (this
“Amendment”), is entered into by and among Cofina Funding, LLC, as the Issuer (the
“Issuer”), and U.S. Bank National Association, as the Trustee (the “Trustee”).

RECITALS

WHEREAS, Cofina Funding, LLC and U.S. Bank National Association are parties to that certain
Base Indenture dated as of August 10, 2005 (as amended and supplemented through the date hereof,
the “Indenture”);

WHEREAS, Section 14.2 of the Indenture requires the consent of the Required
Noteholders to any amendment to the Indenture not described in Section 14.1 of the
Indenture;

WHEREAS, the Noteholder constitutes the Required Noteholders because the Noteholder represents
in excess of 50% of the aggregate principal balance of all Notes of all Series; and

WHEREAS, the Issuer desires and the Trustee is willing to amend the Indenture as hereinafter
set forth and the parties hereto acknowledge and agree that such amendment is not described in
Section 14.1 of the Indenture.

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

SECTION 1. Certain Defined Terms. Each capitalized term used but not defined herein
shall have the meaning ascribed thereto in the Indenture.

SECTION 2. Amendments to Indenture. The Indenture is hereby amended as follows:

(a) Section 8.6(m) of the Indenture is hereby amended in its entirety to read as
follows:

(m) Minimum Net Worth. The Issuer shall at all times have a net
worth (in accordance with GAAP) of at least 15% of the aggregate Program
Amount for all Series.

SECTION 3. Effect of Amendment. Except as expressly amended and modified by this
Amendment, all provisions of the Indenture shall remain in full force and effect. After this
Amendment becomes effective, all references in the Indenture to “this Base Indenture”, “this
Indenture”, “hereof”, “herein” or words of similar effect referring to the Indenture shall be
deemed to be references to the Indenture as amended by this Amendment. This Amendment shall not be
deemed to expressly or impliedly waive, amend or supplement any provision of the Agreement other
than as set forth herein.

SECTION 4. Effectiveness. This Amendment shall become effective upon receipt by the
Noteholder of counterparts of this Amendment (whether by facsimile or otherwise) executed by each
of the parties hereto.

SECTION 5. Reaffirmation of Representations, Warranties and Covenants. Upon the
effectiveness of this Amendment, each of the Issuer and the Servicer hereby reaffirms all
representations, warranties and covenants made in the Agreements and agrees that all
representations and warranties made in the Agreements shall be deemed to have been remade as of the
effective date of this Amendment (except for those representations and warranties limited by their
terms to an earlier date, which representations and warranties shall speak of such date).

SECTION 6. Representations and Warranties. Each of the Issuer and the Servicer hereby
represents and warrants that (i) this Amendment constitutes a legal, valid and binding obligation
of such Person, enforceable against it in accordance with its terms, and (ii) upon the
effectiveness of this Amendment, no Default or Event of Default shall exist under the Indenture.

SECTION 7. Counterparts. This Amendment may be executed by different parties on any
number of separate counterparts, each of which shall be deemed to be an original and all of which
shall together constitute but one and the same instrument.

SECTION 8. Governing Law. This Amendment shall be governed by, and construed in
accordance with, the laws of the State of New York.

SECTION 9. Section Headings. The various headings of this Amendment are inserted for
convenience only and shall not affect the meaning or interpretation of this Amendment or the
Indenture or any provision hereof or thereof.

[Signatures Follow]

IN WITNESS WHEREOF, the parties have caused this Amendment to be executed by their
respective officers thereunto duly authorized, as of the date first written above.

	 	 	 
	COFINA FUNDING, LLC,

	as the Issuer

	By:

	 	/s/ James M. Grafing
	
 
	 	 

	 	 	Name: James M. Grafing

Title: Chief Financial Officer

[Signatures Continue on the Following
Page]U.S. BANK NATIONAL ASSOCIATION,

	 	 	 
	as the Trustee

	By:

	 	/s/ Michelle Moeller
	
 
	 	 

	 	 	Name: Michelle Moeller

Title: Vice President

[Signatures Continue on the Following
Page]Consented to and Agreed:

	 	 	 
	COFINA FINANCIAL, LLC,

	as the Servicer

	By:

	 	/s/ James M. Grafing
	
 
	 	 

	 	 	Name: James M. Grafing

Title: Chief Financial Officer

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK
BRANCH,

as the Noteholder

By: /s/ Aditya Reddy

	 	 	Name: Aditya Reddy

Title: Senior Vice PresidentEX-10.4

Exhibit 10.4

SERIES 2008-A NOTE

THIS NOTE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE UNITED STATES SECURITIES ACT OF 1933,
AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY OTHER JURISDICTION. THIS
NOTE MAY BE RESOLD, PLEDGED OR TRANSFERRED ONLY (1) TO THE ISSUER, (2) TO A PERSON THE TRANSFEROR
REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER (AS DEFINED IN RULE 144A UNDER THE
SECURITIES ACT (“RULE 144A”)) THAT PURCHASES FOR ITS OWN ACCOUNT (AND NOT FOR THE ACCOUNT
OF OTHERS) OR AS A FIDUCIARY OR AGENT FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER IN A
TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A OR (3) IN A TRANSACTION OTHERWISE EXEMPT FROM THE
REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE SECURITIES LAWS OF ANY STATE OF THE
UNITED STATES AND ANY OTHER JURISDICTION AND BASED ON AN OPINION OF COUNSEL IF THE ISSUER OR
TRANSFER AGENT AND REGISTRAR SO REQUEST, IN EACH SUCH CASE, IN COMPLIANCE WITH THE INDENTURE AND
ALL APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER JURISDICTION. THE
HOLDER WILL, AND EACH SUBSEQUENT HOLDER IS REQUIRED TO, NOTIFY ANY TRANSFEREE FROM IT OF THE RESALE
RESTRICTIONS SET FORTH ABOVE.

EACH PERSON ACQUIRING OR HOLDING THIS NOTE SHALL BE DEEMED TO (1) REPRESENT AND WARRANT FOR THE
BENEFIT OF THE ISSUER, THE SELLERS, THE SERVICER AND THE TRUSTEE THAT EITHER (A) IT IS NOT AN
EMPLOYEE BENEFIT PLAN SUBJECT TO ERISA, A “PLAN” DESCRIBED IN SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED (THE “CODE”), AN ENTITY DEEMED TO HOLD THE ASSETS OF ANY SUCH PLAN
OR A GOVERNMENTAL PLAN (AS DEFINED IN SECTION 3(32) OF ERISA) OR A CHURCH PLAN (AS DEFINED IN
SECTION 3(33) OF ERISA FOR WHICH NO ELECTION HAS BEEN MADE UNDER SECTION 410(D) OF THE CODE)
SUBJECT TO APPLICABLE LAW THAT IS SUBSTANTIALLY SIMILAR TO SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE OR (B) ITS PURCHASE AND HOLDING OF THE NOTE WILL NOT, THROUGHOUT THE TERM OF HOLDING,
CONSTITUTE A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE CODE (OR, IN THE CASE OF A GOVERNMENTAL
PLAN OR A NON-ELECTING CHURCH PLAN (AS DESCRIBED ABOVE), ANY SUBSTANTIALLY SIMILAR APPLICABLE LAW)
BY REASON OF THE APPLICATION OF ONE OR MORE STATUTORY OR ADMINISTRATIVE EXEMPTIONS FROM SUCH
PROHIBITED TRANSACTION RULES OR OTHERWISE, AND (2) AGREE THAT IT SHALL NOT SELL OR OTHERWISE
TRANSFER THIS NOTE OR ANY INTEREST THEREIN TO ANY OTHER PERSON WITHOUT ACQUIRING THE SAME
REPRESENTATION AND WARRANTY FROM SUCH OTHER PERSON AND THE SAME OBLIGATION WITH RESPECT TO SALES OR
OTHER TRANSFERS.

THE INDENTURE (AS DEFINED BELOW) CONTAINS FURTHER RESTRICTIONS ON THE TRANSFER AND RESALE OF THIS
NOTE. EACH TRANSFEREE OF THIS NOTE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS NOTE,
SUBJECT TO THE FOREGOING RESTRICTIONS ON TRANSFERABILITY. IN ADDITION, EACH TRANSFEREE OF THIS
NOTE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE MADE THE REPRESENTATIONS AND AGREEMENTS SET FORTH IN
THE INDENTURE.

BY ACCEPTANCE HEREOF, THE HOLDER OF THIS NOTE AGREES TO THE TERMS AND CONDITIONS SET FORTH IN THE
INDENTURE AND HEREIN.

REGISTERED

No. 4 $250,000,000

SEE REVERSE FOR CERTAIN DEFINITIONS

THE PRINCIPAL OF THIS NOTE MAY BE INCREASED AND DECREASED AS SPECIFIED IN THE SERIES 2008-A
SUPPLEMENT AND IS PAYABLE IN INSTALLMENTS AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING
PRINCIPAL AMOUNT OF THIS NOTE AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ON THE FACE HEREOF.

COFINA FUNDING, LLC

SERIES 2008-A COFINA VARIABLE FUNDING ASSET-BACKED NOTES

COFINA FUNDING, LLC, a limited liability company organized and existing under the laws of the
State of Delaware (herein referred to as the “Issuer”), for value received, hereby promises
to pay THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., NEW YORK BRANCH, as the Funding Agent for the
Purchasers party to the Note Purchase Agreement, or registered assigns, the principal sum of TWO
HUNDRED FIFTY MILLION DOLLARS (U.S.$250,000,000), or if less is due in whole or in part, the unpaid
principal amount of all outstanding amounts borrowed by the Issuer when due as shown on the reverse
hereof or an attachment hereto and recorded in the Note Register by the Transfer Agent and
Registrar, payable on each Settlement Date in the amounts and at the times specified in the Series
2008-A Supplement, dated as of November 21, 2008 (as amended through the date hereof and as the
same may be further amended, restated, supplemented or otherwise modified from time to time, the
“Series 2008-A Supplement”), between the Issuer and the Trustee to the Base Indenture;
provided, however, that the entire unpaid principal amount of this Note shall be
due and payable on the Legal Final Settlement Date (as defined in the Series 2008-A Supplement).
The Issuer will pay interest on this Note on each Settlement Date at the Note Rate (as defined in
the Series 2008-A Supplement) until the principal of this Note is paid or made available for
payment, on the average daily outstanding principal balance of this Note during the related
Settlement Period (as defined in the Series 2008-A Supplement). Interest will be computed on the
basis set forth in the Indenture. Such principal of and interest on this Note shall be paid in the
manner specified on the reverse hereof.

The principal of and interest on this Note are payable in such coin or currency of the United
States of America as at the time of payment is legal tender for payment of public and private
debts.

Issuer hereby irrevocably authorizes the Funding Agent to enter on the reverse hereof or on an
attachment hereto the date and amount of each borrowing and principal payment under and in
accordance with the Indenture. Issuer agrees that this Note, upon each such entry being duly made,
shall evidence the indebtedness of Issuer with the same force and effect as if set forth in a
separate Note executed by Issuer; provided that such entry is recorded by the Transfer
Agent and Registrar in the Note Register.

Reference is made to the further provisions of this Note set forth on the reverse hereof and
to the Indenture, which shall have the same effect as though fully set forth on the face of this
Note.

Unless the certificate of authentication hereon has been executed by the Trustee whose name
appears below by manual signature, this Note shall not be entitled to any benefit under the
Indenture referred to on the reverse hereof, or be valid or obligatory for any purpose.

[Signatures follow.]

IN WITNESS WHEREOF, the Issuer has caused this instrument to be signed, manually or in
facsimile, by its Authorized Officer as of the date set forth below.

COFINA FUNDING, LLC

By:  /s/ James M. Grafing

Authorized Officer

[Certificate of Authentication follows.]CERTIFICATE OF AUTHENTICATION

This is one of the Notes referred to in the within mentioned Series 2008-A Supplement.

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity, but solely as Trustee

By:  /s/ Michelle Moeller

Authorized Officer

	 	 	Dated: November 12, 2010

[REVERSE OF NOTE]

This Note is one of a duly authorized issue of Notes of the Issuer, designated as its Series
2008-A Cofina Variable Funding Asset-Backed Notes (herein called the “Notes”), all issued
under the Series 2008-A Supplement to the Base Indenture dated as of November 21, 2008 (such Base
Indenture, as amended through the date hereof, as supplemented by the Series 2008-A Supplement and
supplements relating to other series of notes and as the same may be further amended, restated,
supplemented or otherwise modified from time to time, is herein called the “Indenture”),
between the Issuer and U.S. BANK NATIONAL ASSOCIATION, as trustee (the “Trustee”, which
term includes any successor Trustee under the Indenture), to which Indenture reference is hereby
made for a statement of the respective rights and obligations thereunder of the Issuer, the Trustee
and the Holders of the Notes. The Notes are subject to all terms of the Indenture. All terms used
in this Note that are defined in the Indenture shall have the meanings assigned to them in or
pursuant to the Indenture.

The Note is one of a Series of Notes which are and will be equally and ratably secured by the
collateral pledged as security therefor as and to the extent provided in the Indenture.

Principal of the Notes will be payable on each Settlement Date as set forth in the Indenture.
All principal payments on the Notes shall be made pro rata to the Noteholders
entitled thereto.

Subject to certain limitations set forth in the Indenture, payments of interest on this Note
due and payable on each Settlement Date, together with the installment of principal, if any, to the
extent not in full payment of this Note, shall be made by wire transfer in immediately available
funds to the Person whose name appears as the Holder of this Note on the Note Register as of the
close of business on each Record Date without requiring that this Note be submitted for notation of
payment. Any reduction in the principal amount of this Note effected by any payments made on any
Settlement Date or date of prepayment shall be binding upon all future Holders of this Note and of
any Note issued upon the registration of transfer hereof or in exchange hereof or in lieu hereof,
whether or not noted hereon.

As provided in the Indenture and subject to certain limitations set forth therein, the
transfer of this Note may be registered on the Note Register upon surrender of this Note for
registration of transfer at the office or agency designated by the Issuer pursuant to the
Indenture, (i) duly endorsed by, or accompanied by a written instrument of transfer in form
satisfactory to the Issuer and the Trustee duly executed by the Holder hereof or its attorney, duly
authorized in writing, and (ii) accompanied by such other documents as the Trustee may require, and
thereupon one or more new Notes of authorized denominations and in the same aggregate principal
amount will be issued to the designated transferee or transferees. No service charge will be
charged for any registration of transfer or exchange of this Note, but the transferor may be
required to pay a sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any such registration of transfer or exchange.

Each Noteholder, by acceptance of a Note, covenants and agrees that by accepting the benefits
of the Indenture that such Noteholder will not prior to the date which is one year and one day
after the payment in full of the last maturing note of any Series and the termination of the
Indenture institute against the Issuer or join in any institution against the Issuer of, any
bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other
proceedings, under any United Stated Federal or state bankruptcy or similar law in connection with
any obligations relating to the Notes, the Indenture or the Transaction Documents.

Each Noteholder, by acceptance of a Note, covenants and agrees that by accepting the benefits
of the Indenture that such Noteholder will treat such Note as indebtedness for all Federal, state
and local income and franchise tax purposes.

Prior to the due presentment for registration of transfer of this Note, the Issuer, the
Trustee and any agent of the Issuer or the Trustee may treat the Person in whose name this Note (as
of the day of determination or as of such other date as may be specified in the Indenture) is
registered as the owner hereof for all purposes, whether or not this Note be overdue, and none of
the Issuer, the Trustee or any such agent shall be affected by notice to the contrary.

The Indenture permits the amendments thereof and modifications of the rights and obligations
of the Issuer and the rights of the Holders of the Notes under the Indenture and waivers of
compliance by the Issuer with provisions of the Indenture as provided in the Indenture. Any such
amendment, modification or waiver shall be conclusive and binding upon the Holder of this Note and
upon all future Holders of this Note and of any Note issued upon the registration of transfer
hereof or in exchange hereof or in lieu hereof whether or not notation of such consent or waiver is
made upon this Note.

As provided in the Indenture, no recourse may be taken, directly or indirectly, with respect
to the obligations of the Issuer under the Indenture, including this Note, against any Seller, the
Servicer, the Trustee or any partner, owner, incorporator, beneficiary, beneficial owner, agent,
officer, director, employee, shareholder or agent of the Issuer, any Seller, the Servicer or the
Trustee except as any such Person may have expressly agreed.

The term “Issuer” as used in this Note includes any successor to the Issuer under the
Indenture.

The Issuer is permitted by the Indenture, under certain circumstances, to merge or
consolidate, subject to the rights of the Trustee and the Holders of Notes under the Indenture.

The Notes are issuable only in registered form as provided in the Indenture in denominations
as provided in the Indenture, subject to certain limitations therein set forth.

This Note and the Indenture shall be construed in accordance with the laws of the State of New
York (without reference to its conflict of law provisions other than Section 5-1401 of the New York
General Obligations Law), and the obligations, rights and remedies of the parties hereunder and
thereunder shall be determined in accordance with such laws.

No reference herein to the Indenture and no provision of this Note or of the Indenture shall
alter or impair the obligation of the Issuer, which is absolute and unconditional, to pay the
principal of and interest on this Note.

ASSIGNMENT

Social Security or taxpayer I.D. or other identifying number of assignee

FOR VALUE RECEIVED, the undersigned hereby sells, assigns and transfers unto
     

(name and address of assignee)

the within Note and all rights thereunder, and hereby irrevocably constitutes and appoints
     , attorney, to transfer said Note on the books kept for registration thereof, with full
power of substitution in the premises.

	 
	Dated:     

Signature Guaranteed:

The following are borrowings and payments made under this Note of the Issuer:

	 	 	 	 	 	 	 	 	 	 	 	 	 
	Loan	 	Amount	 	Date	 	Amount Paid
	Date	 	Borrowed	 	Prin. Paid	 	Principal     Interest

1NOTE: The signature to this assignment must
correspond with the name of the registered owner as it appears on the face of
the within Note in every particular, without alteration, enlargement or any
change whatsoever.

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