Document:

Exhibit
10.12

    FOURTH LOAN MODIFICATION
AGREEMENT

    

    THIS AGREEMENT, Made and entered into
as of this 15th day of April, 2008, by and between HARDY CREDIT CO. (the
"Borrower") and UNITED BANK,
INC. ("Bank").

    

    RECITALS:

    

    (a)           Borrower
executed Promissory Notes in the principal amount not to exceed $10,000,000.00 and $5,000,000.00, payable to the
order of the Bank (the "Notes"), and a Line of Credit and Letter of Credit
Agreement (the "Credit Agreement"), all dated March 14, 2003.

    

    (b)           The
Credit Agreement, in Section 5.17, provides for the Borrower to pledge and
mortgage a replacement parcel of real property with the same or greater value
with a lease satisfactory to Bank within 90 days after the closing of a
facility.

    

    (c)           The
Borrower has closed certain properties and is not able to replace such
properties in the time frame set forth in Section 5.17, and has requested the
time frame be extended to be within one year of the closing of a facility, and
Bank has agreed to such modification, provided that the availability on the Line
of Credit will be reduced by a satisfactory amount until such time as a
replacement property is provided.

    

    THEREFORE, WITNESSETH, that
for and in consideration of the premises and the mutual agreements hereinafter
set forth, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Borrower and Bank hereby agree as
follows:

    

    1.       
    Section 5.17 of the Credit Agreement shall be replaced
in its entirety by the following:

    

    Replacement Real
Property.   Borrower agrees to pledge and mortgage a
replacement parcel of real property with the same or greater value with a lease
satisfactory to Bank within one year after the closing of a facility on the Real
Property, and shall provide written notice of such closing to the Bank within 10
days thereafter. Ninety (90) days after the closure and until such time as the
replacement property is provided, the availability of funds under the Note
evidencing the Line of Credit shall be reduced by the appraised fair market
value of such Real Property as established by the appraisal for such Real
Property received in accordance with Section 4.10 of the Credit Agreement,
unless otherwise mutually agreed upon in writing.

    

    2.       
    All provisions of the Credit Agreement and all other
documents securing, evidencing or otherwise pertaining to the Notes and Credit
Agreement that are inconsistent with this Agreement are hereby deleted or
amended accordingly.

    

    3.     
      Except as amended by the terms of this
Agreement, the Credit Agreement, Notes and all other documents pertaining
thereto shall remain in full force and effect in accordance with their
respective terms, as amended.

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    WITNESS the following
signatures as of the date and year first above written.

    

    
      
        	
                Borrower:

              	 
      
	 
      	 
      	 
      
	 
      	
                HARDY
      CREDIT CO.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                84
      LADC, LLC

              
	 
      	
                Its:

              	
                General
      Partner

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Daniel M.
  Wallach

              
	 
      	 
      	
                Daniel
      M. Wallach

              
	 
      	
                Its:

              	
                Assistant Vice
      President

              
	 
      	 
      	 
      
	
                Bank:

              	 
      
	 
      	 
      	 
      
	 
      	
                UNITED BANK,
      INC.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Kenneth R.
  Summers

              
	 
      	 
      	
                Kenneth
      R. Summers

              
	 
      	
                Title:

              	
                Executive
      Vice-President

              

      

    

    

    Consented
to and acknowledged by the following participant bank:

    

    
      
        	 
      	
                COMMUNITY
      BANK, N.A.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ BR McCune

              
	 
      	 
      	 
      
	 
      	
                Its:

              	
                President

              

      

    

    

    This
instrument was prepared by R. Scott Summers, P.L.L.C., P.O. Box 842, Morgantown,
West Virginia 26507-0842.Exhibit
10.13

    REDACTED – AS
FILED

    

    [Portions of this Exhibit
have been omitted pursuant

    

    to a Request for
Confidential Treatment]

    

    BRACKETS “[ ]*” ARE USED TO
INDICATE WHERE A PORTION OF THIS EXHIBIT HAS BEEN
OMITTED.  CONFIDENTIAL TREATMENT HAS BEEN REQUESTED WITH RESPECT TO
THE OMITTED PORTIONS.  A COMPLETE COPY OF THIS EXHIBIT, CONTAINING ALL
OF THE OMITTED PORTIONS, HAS BEEN SEPARATELY FILED WITH THE SECURITIES AND
EXCHANGE COMMISSION TOGETHER WITH THE REQUEST FOR CONFIDENTIAL
TREATMENT.

    

    MASTER LOAN MODIFICATION AND
LIEN PRIORITY AGREEMENT

    

    THIS AGREEMENT, Made and entered into
as of this 30th day of September, 2008, by and between HARDY CREDIT CO. (the
"Borrower") and UNITED BANK,
INC. ("Bank"), and consented to and acknowledged by COMMUNITY BANK, N.A., as a
participant bank.

    

    RECITALS:

    

    
      	
              (a)

            	
              Borrower
      executed promissory notes in the principal amount not to exceed
      $10,000,000.00 and $5,000,000.00, payable to the order of the Bank (the
      "2003 Notes"), and a Line of Credit and Letter of Credit Agreement (the
      "2003 Credit Agreement"), all dated March 14,
  2003.

            

    

    

    
      	
              (b)

            	
              Borrower
      executed a promissory note in the principal amount not to exceed
      $10,000,000.00, payable to the order of the Bank (the "2005 Note"), and a
      revolving line of credit agreement (the "2005 Credit Agreement"), both
      dated October 3, 2005.

            

    

    

    
      	
              (c)

            	
              Borrower
      executed a promissory note in the principal amount not to exceed
      $7,000,000.00*,
      payable to the order of the Bank (the "2007 Note"), and a revolving line
      of credit agreement (the "2007 Credit Agreement"), both dated May 15,
      2007.

            

    

    

    
      	
              (d)

            	
              The
      2003, 2005 and 2007 Notes (collectively, the "Note") currently have a
      maturity date of November 14, 2008, and the Borrower has requested an
      eleven month extension of the same, and Bank has agreed to such extension
      and modification, provided the terms of that certain letter dated July 14,
      2008 are satisfied on or before October 1, 2008, and this Agreement is
      entered into between the Borrower and Bank, and acknowledged and consented
      to by Community Bank, N.A., as a participating
  lender.

            

    

    

    
      	
              (e)

            	
              All
      terms that are used herein shall have the same definitions provided in the
      2003, 2005 and 2007 Credit Agreements (collectively, the "Credit
      Agreements"), unless otherwise
indicated.

            

    

     

      
        

      

    

    *  Note:  Although the
face amount of the 2007 Note is $7,000,000, the amount of availability is
currently limited to $2,500,000.

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    THEREFORE, WITNESSETH, that
for and in consideration of the premises and the mutual agreements hereinafter
set forth, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Borrower and Bank hereby agree as
follows:

    

    
      	
              1.

            	
              All
      of the recitals set forth hereinabove are true and
    accurate.

            

    

    

    
      	
              2.

            	
              The
      Expiration Date is hereby extended from November 14, 2008 to October 14,
      2009.

            

    

    

    
      	
              3.

            	
              Notwithstanding
      anything to the contrary in the Credit Agreements, Notes or any other Loan
      Documents, the maximum aggregate amount available to the Borrower under
      the Notes shall be the lesser of: (a) $27,500,000, (b) 80% of the
      aggregate amount of the values of the Real Property established by the
      Bank based in part on the last acceptable appraised fair market value or
      "Validated FMV"** of the Real Property securing the Notes with stores
      located thereon which have not been closed for business by the Tenant to
      the public for more than 12 months, or (c) 100% of the principal amount
      outstanding on the Purchased Loans that have been assigned to the Bank
      pursuant to the Collateral Assignment of Notes and
    Documents.

            

    

    

    
      	
              4.

            	
              Notwithstanding
      anything to the contrary in the Credit Agreements, Notes, Mortgages, or
      any other Loan Documents evidencing, securing or otherwise pertaining to
      any of the Notes, or that certain Consent and Adjustment of Lien Priority
      Agreement dated the 15th day of May, 2007, the priority of all Liens that
      the Bank has on the real and/or personal property conveyed pursuant to the
      Collateral Assignment of Notes and Documents, the Mortgages, the Lease
      Assignments, the Reserve Fund Account Assignment or any other Loan
      Documents securing any of the Notes shall be treated and recognized as a
      shared perfected first lien with parity and equal dignity securing all of
      the Notes (i.e. Hereafter, the Bank shall be deemed to have a perfected
      first lien on all collateral securing the
  Notes).

            

    

    

    
      	
              **

            	
              Note:  In
      accordance with that certain letter agreement dated July 14, 2008, from
      the Bank to the Borrower pertaining to the renewal of the loans evidenced
      by the Notes, updated appraisals were ordered on several parcels of the
      Real Property, six of which have not yet been received (i.e. Store Nos.
      303 (N. Eaton, Tx.), 1929 (Garland, Tx.), 1902 (Austin, Tx.), 1933
      (Conroe, Tx.), 357 (Lancaster, Oh.) and 2009 (Henderson, Co.)). After the
      review and approval of such appraisals by the Bank, the values of the Real
      Property may be adjusted by the Bank to account for any changes in value
      of the Real Property appraised. This adjustment process by the Bank shall
      establish the "Validated FMV" for similar properties which were not
      recently appraised. This validation process was agreed to by the parties
      hereto rather than obtaining current appraisals on all parcels of the Real
      Property. Accordingly, the availability under the Notes may be adjusted
      after the Bank has reviewed the appraised values established by the
      current appraisals and established the 'Validated FMV" for the various
      parcels of Real Property.

            

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    
      	
               
      

            	
              In
      conjunction with this Agreement, the Bank shall have received Mortgages,
      which shall convey a shared first lien on the Borrower's fee simple estate
      in the Real Property securing the 2003 Notes to secure the 2005 Note and
      2007 Note, together with evidence satisfactory to Bank and counsel for
      Bank that the Mortgages have been recorded and filed in the appropriate
      public offices and that there are no Liens on the Real Property other than
      those securing the Bank. The parties hereto agree to treat and recognize
      all Liens securing the Bank as being equal, and having parity and a shared
      first perfected lien position notwithstanding the order of
      perfection.

            

    

    

    
      	
              5.

            	
              Section
      5.01 of the Credit Agreements are hereby amended to add the following
      subsection (j):

            

    

    

    
      	
               
      

            	
              "(j)
      Borrower shall provide to Bank monthly, within 10 days of the end of each
      month, an internally prepared summary of the status of the Purchased
      Loans, which shall include, but not be limited to, the number of Purchased
      Loans, the amount outstanding on each Purchased Loan, the date of purchase
      by Borrower, the number of Purchased Loans sold or paid off, current loss
      reserve amount for Purchased Loans, an aging of Purchased Loans, an
      identification of any concentrations greater than 5% of the aggregate
      outstanding balances of the Loans by contractor and/or location, and such
      other information requested by Bank pertaining to the Purchased
      Loans.

            

    

    

    
      	
              6.

            	
              Section
      4.12 of the Credit Agreements is hereby amended to replace "evidence of
      the deposit by Borrower of $1,000,000" in the Reserve Fund with "evidence
      of the deposit by Borrower of an amount equal to at least the sum of: (i)
      the minimum amount required by the [REDACTED –
      CONFIDENTIAL TREATMENT REQUESTED]* Agreement and (ii) 5%
      of the aggregate amount outstanding on the
  Notes".

            

    

    

    
      	
              7.

            	
              Section
      5.15 of the Credit Agreements is hereby amended to replace "and further
      agrees to maintain a minimum balance of $1,000,000 therein" with "and
      further agrees to maintain a minimum balance in the Reserve Fund equal to
      at least the sum of: (i) the minimum amount required by the [REDACTED –
      CONFIDENTIAL TREATMENT REQUESTED]* Agreement and (ii) 5%
      of the aggregate amount outstanding on the
  Notes".

            

    

    

    
      	
              8.

            	
              Section
      7.01 of the 2003 Credit Agreement is hereby amended to add the following
      subsections:

            

    

    

    
      	
               
      

            	
              "(n)
      The Borrower or Tenant shall be in default of either the 2005 or 2007
      Credit Agreements."

            

    

    

    
      	
               
      

            	
              "(o)
      The Borrower shall be in "default" or "breach" of the [REDACTED –
      CONFIDENTIAL TREATMENT REQUESTED]*
      Agreement."

            

    

    

    
      	
              9.

            	
              Section
      7.01 of the 2005 Credit Agreement is hereby amended to replace subsection
      (n) and add subsection (o) with the
following:

            

    

    

    
      "(n)  
 The
Borrower or Tenant shall be in default of either the 2003 or 2007 Credit
Agreements."

    

    

    
      "(o)  
 The
Borrower shall be in "default" or "breach" of the [REDACTED –
CONFIDENTIAL TREATMENT REQUESTED]*
Agreement."

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    
      	
              10.

            	
              Section
      7.01 of the 2007 Credit Agreement is hereby amended to add the following
      subsection:

            

    

    

    
      	
               
      

            	
              "(o)
      The Borrower shall be in "default" or "breach" of the [REDACTED –
      CONFIDENTIAL TREATMENT REQUESTED]*
      Agreement."

            

    

    

    
      	
              11.

            	
              Section
      5.02 of the Credit Agreements is hereby amended by adding the following as
      the second sentence of said
Section:

            

    

    

    
      	
               
      

            	
              "Borrower
      shall also maintain, or require Tenant to maintain, a hazard insurance
      policy insuring all insurable improvements on each parcel of the Real
      Property against fire and other damage (including flood insurance if
      available or evidence that the Real Property is not in a flood zone and
      such insurance is not required) with each policy endorsed with loss
      payable to the Bank, as its interest may appear and with coverages and in
      amounts satisfactory to the Bank."

            

    

    

    
      	
              12.

            	
              All
      provisions of the Notes and Credit Agreements and all other Loan Documents
      securing, evidencing or otherwise pertaining thereto that are inconsistent
      with this Agreement are hereby amended
  accordingly.

            

    

    

    
      	
              13.

            	
              Except
      as amended by the terms of this Agreement, the Credit Agreements, Notes
      and all other Loan Documents shall remain in full force and effect in
      accordance with their respective terms, as
  amended.

            

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    WITNESS the following
signatures as of the date first above written.

    

    
      
        	
                Borrower:

              	 
      
	 
      	 
      	 
      
	 
      	
                HARDY CREDIT
      CO.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                84
      LADC, LLC

              
	 
      	
                Its:

              	
                General
      Partner

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Daniel M.
  Wallach

              
	 
      	 
      	
                Daniel
      M. Wallach

              
	 
      	
                Its:

              	
                Vice
    President

              
	 
      	 
      	 
      
	
                Bank:

              	 
      
	 
      	 
      	 
      
	 
      	
                UNITED BANK,
      INC.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ Kenneth R.
  Summers

              
	 
      	 
      	
                Kenneth
      R. Summers

              
	 
      	
                Title:

              	
                Executive
      Vice-President

              

      

    

    

    
      Consented
to and acknowledged by the following participant bank:

    

    

    
      
        	 
      	
                COMMUNITY BANK,
      N.A.

              
	 
      	 
      	 
      
	 
      	
                By:

              	
                 /s/ BR McCune

              
	 
      	 
      	 
      
	 
      	
                Title:

              	
                President

              

      

    

    

    This
instrument was prepared by R. Scott Summers, P.L.L.C., P.O. Box 842, Morgantown,
West Virginia 26507-0842.

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