**Exhibit 10.5**

**FIRST AMENDMENT TO FOURTH AMENDED AND RESTATED**

**LOAN AND SECURITY AGREEMENT**

THIS FIRST AMENDMENT TO FOURTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and enteredinto as of October 3, 2005, by and between **AMERICAN TIRE DISTRIBUTORS, INC.**, a Delaware corporation and successor by merger to ATD MERGERSUB, Inc. (“American Tire”), **THE SPEED MERCHANT, INC.**, a California corporation(“Speed Merchant”), **T.O. HAAS HOLDING CO., INC.**, a Nebraska corporation (“Haas Holding”), **T.O. HAAS TIRE COMPANY, INC.**, a Nebraska corporation (“Haas Tire”), **TEXAS MARKET TIRE HOLDINGS I, INC.**, aTexas corporation (“Texas Holdings”), **TEXAS MARKET TIRE, INC.**, a Texas corporation **d/b/a BIG STATE TIRE SUPPLY** (“Big State”), **TARGET TIRE, INC.**, a North Carolina corporation (“Target”; AmericanTire, Speed Merchant, Haas Holding, Haas Tire, Texas Holdings, Big State and Target are collectively referred to herein as “Borrowers” and each individually as a “Borrower”); the Lenders party to this Amendment (the“Lenders”); **WACHOVIA BANK, NATIONAL ASSOCIATION** and **GENERAL ELECTRIC CAPITAL CORPORATION**, in their capacity as Co-Syndication Agents (collectively the “Co-Syndication Agents”); **THE CIT GROUP/BUSINESS CREDIT,INC.**, in its capacity as Documentation Agent (the “Documentation Agent”); and **BANK OF AMERICA, N.A.**, in its capacity as administrative and collateral agent for the Lenders (the “Administrative Agent”). 

**Recitals:**

AdministrativeAgent, Co-Syndication Agents, Documentation Agent, Lenders and Borrowers are parties to that certain Fourth Amended and Restated Loan and Security Agreement dated as of March 31, 2005 (the “Loan Agreement”), pursuant to which Lendershave made certain revolving credit loans to Borrowers. 

The parties desire to amend the Loan Agreement as hereinafter set forth.

NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and other good and valuable consideration, the receipt and sufficiency of which arehereby severally acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 

**1) Definitions.**All capitalized terms used in this Amendment, unless otherwise defined herein, shall have the meaning ascribed to such terms in the Loan Agreement. 

**2) Amendments to Loan Agreement.** The Loan Agreement is hereby amended as follows: 

(a) By deleting the reference to“Federal Funds Rate” in the definition of “Alternate Base Rate” in Section 1.1 of the Loan Agreement and by substituting in lieu thereof a reference to the “Federal Funds Effective Rate.” 

(b) By adding a new clause (iii) to the definition of “Banking Relationship Debt” thatreads as follows: 

; and (iii) commercial credit card and merchant card services. 

(c) By deleting the reference to “the last day of each calendar month” in subsection (c) of the definition of “Interest PaymentDate” in Section 1.1 of the Loan Agreement and by substituting in lieu thereof a reference to “the first day of each calendar month.” 

(d) By deleting the reference to “12:00 noon (New York City time)” in Section 2.4(b) of the Loan Agreement and by substituting in lieu thereof a reference to “2:00 p.m. (New York City Time).”

(e) By deleting the reference to “Not later than 12:00 noon, New York City time, on the Borrowing Date specified in such notice”in Section 3.1(a) of the Loan Agreement and substituting in lieu thereof a reference to “Not later than 2:00 p.m., New York City time, on the Borrowing Date specified in such notice.” 

(f) By deleting the reference in Section 6.11(b) of the Loan Agreement to “Within one hundred eighty (180) days after the ClosingDate” and by substituting in lieu thereof the phrase “On or before December 31, 2005.” 

(g) By adding a new subsection(d) to Section 6.11 of the Loan Agreement that reads as follows: 

(d) Within ninety (90) days after thejoinder of any new Subsidiary pursuant to Section 6.8(b) hereof, the Borrowers shall cause each such Subsidiary to be merged into American Tire. 

(h) By adding a new Section 6.12 to the Loan Agreement that reads as follows: 

6.12Inventory Purchases. The Borrowers acknowledge and agree that Inventory shall be purchased through American Tire only (except for de minimis amounts of Inventory that are purchased in the ordinary course of business by another Borrower) andnot through any existing Subsidiary or any Subsidiary that may be joined after the Closing Date as a co-Borrower or co-Guarantor hereunder. 

**3) Consent to Joinder.**On August 23, 2005, American Tire acquired Wholesale Tire Distributors, Inc., a Utah corporation (“Wholesale Tire”), Wholesale Tire Distributors of Idaho, Inc., an Idaho corporation(“Wholesale Idaho”), Wholesale Tire Distributors of Wyoming, Inc., a Wyoming corporation (“Wholesale Wyoming”), and Farm Tire & Supply, Inc., a Utah corporation and a wholly-owned subsidiary of Wholesale Tire(“Farm”; Wholesale Tire, Wholesale Idaho, Wholesale Wyoming and Farm collectively, the “Wholesale Entities”). Pursuant to Section 6.8(b) of the Loan Agreement, within 30 days after the acquisition of a Subsidiary by anyBorrower, Borrowers are required to execute and deliver to the Administrative Agent, for the benefit of the Lenders, a joinder agreement adding the Subsidiary as an additional Borrower under the Loan Agreement. Borrowers have requested thatAdministrative Agent and Lenders permit the execution and delivery of such a joinder agreement adding the Wholesale Entities as additional Borrowers 

 

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under the Loan Agreement more than 30 days after American Tire’s acquisition of the Wholesale Entities but in no event later than October 23, 2005.Subject to the terms and conditions contained herein, Administrative Agent and Lenders hereby consent to such request. In no event shall such consent be deemed to constitute a waiver of Borrowers’ obligation to comply with the requirements ofSection 6.8(b) with regard to any other Subsidiary or Subsidiaries previously acquired or acquired in the future. 

**4)Ratification and Reaffirmation.** Borrowers hereby ratify and reaffirm the Loan Agreement, each of the Loan Documents, and all debts, covenants, duties and obligations now or at any time or times hereafter owing to the Co-SyndicationAgents, Documentation Agent, Administrative Agent and Lenders pursuant to the Loan Agreement or any of the Loan Documents. 

**5)Acknowledgments and Stipulations.** Each Borrower acknowledges and stipulates that the Loan Agreement and the other Loan Documents executed by Borrowers are legal, valid and binding obligations of Borrowers that are enforceable againstBorrowers, both individually and jointly and severally, in accordance with the terms thereof; and all of the Secured Obligations are owing and payable without defense, offset or counterclaim (and to the extent there exists any such defense, offsetor counterclaim on the date hereof, the same is hereby waived by each Borrower). 

**6) Representations and Warranties.** EachBorrower represents and warrants to Agents and Lenders, to induce Agents and Lenders to enter into this Amendment, that no Default or Event of Default exists on the date hereof; the execution, delivery and performance of this Amendment have beenduly authorized by all requisite corporate action on the part of each Borrower and this Amendment has been duly executed and delivered by each Borrower; and all of the representations and warranties made by each Borrower in the Loan Agreement aretrue and correct on and as of the date hereof. 

**7) Reference to Loan Agreement.** Upon the effectiveness of this Amendment,each reference in the Loan Agreement to “this Agreement,” “hereunder,” or words of like import shall mean and be a reference to the Loan Agreement, as amended by this Amendment. 

**8) Breach of Amendment.** This Amendment shall be part of the Loan Agreement and a breach of any representation, warranty or covenant hereinshall constitute an Event of Default. 

**9) Expenses of Lender.** Borrowers agree to pay, **on demand**, all costs andexpenses incurred by Agent in connection with the preparation, negotiation and execution of this Amendment and any other Loan Documents executed pursuant hereto and any and all amendments, modifications, and supplements thereto, including, withoutlimitation, the costs and fees of Agent’s legal counsel and any taxes or expenses associated with or incurred in connection with any instrument or agreement referred to herein or contemplated hereby. 

**10) Effectiveness; Governing Law.** This Amendment shall be effective upon acceptance by Administrative Agent and Lenders and shall begoverned by and construed in accordance with the internal laws of the State of New York. 

 

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**11) Successors and Assigns.** This Amendment shall be binding upon and inure to the benefitof the parties hereto and their respective successors and assigns. 

**12) No Novation, etc.** Except as otherwise expresslyprovided in this Amendment, nothing herein shall be deemed to amend or modify any provision of the Loan Agreement or any of the other Loan Documents, each of which shall remain in full force and effect. This Amendment is not intended to be, norshall it be construed to create, a novation or accord and satisfaction, and the Loan Agreement as herein modified shall continue in full force and effect. 

**13) Counterparts; Telecopied Signatures.** This Amendment may be executed in any number of counterparts and by different parties to this Amendment on separate counterparts, each of which, when so executed,shall be deemed an original, but all such counterparts shall constitute one and the same agreement. Any signature delivered by a party by facsimile transmission shall be deemed to be an original signature hereto. 

**14) Further Assurances.** Borrowers agree to take such further actions as Agent shall reasonably request from time to time in connectionherewith to evidence or give effect to the amendments set forth herein or any of the transactions contemplated hereby. 

**15) SectionTitles.** Section titles and references used in this Amendment shall be without substantive meaning or content of any kind whatsoever and are not a part of the agreements among the parties hereto. 

**16) Waiver of Jury Trial.****To the fullest extent permitted by applicable law, the parties hereto each hereby waives the right to trial byjury in any action, suit, counterclaim or proceeding arising out of or related to this Amendment**. 

 

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IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed and have causedthis Agreement to be delivered by their proper and duly authorized officers on the day and year first above written. 

 
**AMERICAN TIRE DISTRIBUTORS, INC.**
By:
 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Executive Vice President
**THE SPEED MERCHANT, INC**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President
**T.O. HAAS HOLDING CO., INC.**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President
**T.O. HAAS TIRE COMPANY, INC.**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President
**TEXAS MARKET TIRE HOLDINGS I, INC.**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President

**TEXAS MARKET TIRE, INC., d/b/a Big State Tire Supply**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President
**TARGET TIRE, INC.**By: 
/s/    J. MICHAEL GAITHER
  Name: 
J. Michael Gaither
Title: 
Vice President
**BANK OF AMERICA, N.A.**, as Administrative Agent, Issuing Lender and a Lender****By: 
/s/    STEPHEN Y. MCGEHEE
  Name: 
Stephen Y. McGehee
Title: 
Senior Vice President
**WACHOVIA BANK, NATIONAL ASSOCIATION**, as Co-Syndication Agent and a Lender****By: 
/s/    JOHN T. TRAINOR
Name: 
John T. Trainor
Title: 
Director
**GENERAL ELECTRIC CAPITAL CORPORATION**, as successor to Transamerica Business Capital Corporation, as Co-Syndication Agent and a Lender****By: 
/s/    MARIE G. MOLLO
Name: 
Marie G. Mollo
Title: 
Duty Authorized Signatory

**THE CIT GROUP/BUSINESS CREDIT, INC.**, as Documentation Agent and a LenderBy:  
/S/    CARLGIORDANO
Name:  
Carl Giordano
Title:  
Assistant Vice President
**LASALLE BANK MIDWEST NATIONAL ASSOCIATION**(Formerly known as STANDARD FEDERAL BANK NATIONAL ASSOCIATION), as a LenderBy: **LASALLE BUSINESS CREDIT, LLC**, as agentBy:  
/S/    ROGER D.ATLIX
Name:  
Roger D. Atlix
Title:  
Vice President
**CITIZENS LEASING CORPORATION**, as assignee of The Royal Bank of Scotland, as a LenderBy:  
/S/    STEPHEN D.METTS
Name:  
Stephen D. Metts
Title:  
Vice President