Exhibit 10.2 NewPage - Executed ABL Agreement

SECTION 4.04 No Conflict.....................................................................................84
SECTION 4.05 Governmental Consents .................................................................85
SECTION 4.06 Binding Obligation .........................................................................85
SECTION 4.07 Historical Financial Statements .....................................................85
SECTION 4.08 Projections......................................................................................85
SECTION 4.09 No Material Adverse Effect ...........................................................85
SECTION 4.10 Adverse Proceedings, Etc. .............................................................86
SECTION 4.11 Payment of Taxes ...........................................................................86
SECTION 4.12 Properties .......................................................................................86
SECTION 4.13 Environmental Matters...................................................................87
SECTION 4.14 No Defaults ....................................................................................88
SECTION 4.15 Material Contracts ..........................................................................88
SECTION 4.16 Governmental Regulation ..............................................................88
SECTION 4.17 Federal Reserve Regulations ..........................................................88
SECTION 4.18 Employee Matters ..........................................................................89
SECTION 4.19 Employee Benefit Plans .................................................................89
SECTION 4.20 Certain Fees ...................................................................................90
SECTION 4.21 Solvency .........................................................................................90
SECTION 4.22 [Reserved]......................................................................................90
SECTION 4.23 Compliance with Statutes, Etc. ......................................................90
SECTION 4.24 Disclosure ......................................................................................90
SECTION 4.25 PATRIOT Act ................................................................................90
SECTION 4.26 Insurance ........................................................................................91
SECTION 4.27 Security Interest in Collateral ........................................................91
ARTICLE V Affirmative Covenants. ............................................................................................91
SECTION 5.01 Financial Statements; Borrowing Base and Other
Information 92
SECTION 5.02 Existence ........................................................................................97
SECTION 5.03 Payment of Taxes ...........................................................................97
SECTION 5.04 Maintenance of Properties .............................................................97
SECTION 5.05 Insurance ........................................................................................97
SECTION 5.06 Books and Records; Inspections ....................................................98
SECTION 5.07 Lenders Calls and Meetings ...........................................................99
SECTION 5.08 Compliance with Laws ..................................................................99
SECTION 5.09 Environmental ................................................................................99
SECTION 5.10 Subsidiaries ..................................................................................100
SECTION 5.11 Additional Material Real Estate Assets .......................................101
SECTION 5.12 Use of Proceeds ............................................................................102
SECTION 5.13 Field Examinations ......................................................................102
SECTION 5.14 Appraisals ....................................................................................102
SECTION 5.15 Depository Banks .........................................................................102
SECTION 5.16 Further Assurances.......................................................................103
SECTION 5.17 Designation of Subsidiaries .........................................................103
SECTION 5.18 Post-Closing Obligations .............................................................104
CH\1416587.18
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