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                                                                    EXHIBIT 10.1

                            UNITED STATES OF AMERICA
                           DEPARTMENT OF THE TREASURY
                    OFFICE OF THE COMPTROLLER OF THE CURRENCY

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IN THE MATTER OF:                           )
ACE Cash Express, Inc.                      )
Irving, Texas                               )
Agent and Bank Service Provider for:        )           AA-EC-02-19
Goleta National Bank                        )
Goleta, California                          )
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                     STIPULATION AND CONSENT TO THE ISSUANCE
                               OF A CONSENT ORDER

         The Comptroller of the Currency of the United States of America
("Comptroller") is prepared to initiate cease and desist and civil money penalty
proceedings against ACE Cash Express, Inc., Irving, Texas ("ACE") pursuant to 12
U.S.C. Section 1818(b) and (i).

         ACE, in the interest of cooperation and settlement, consents to the
issuance of a Consent Order, dated October 25, 2002 ("Order");

         In consideration of the above premises, the Comptroller, through his
authorized representative, and ACE, through its duly elected and acting
President and Chief Operating Officer ("President"), hereby stipulate and agree
to the following:

                                   ARTICLE I

                                  Jurisdiction

         (1) Goleta National Bank, Goleta, California, ("Bank") is a national
banking association chartered and examined by the Comptroller pursuant to the
National Bank Act of 1864, as amended, 12 U.S.C. Section 1 et seq. Accordingly,
the Bank is an "insured depository institution" as that term is defined in 12
U.S.C. Section 1813(c)(2).

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         (2) ACE's performance of services for the Bank is subject to regulation
and examination by the OCC to the same extent as if such services were being
performed by the Bank itself on its own premises, pursuant to 12 U.S.C. Section
1867(c).

         (3) ACE is an agent of the Bank and is an "institution-affiliated
party" of the Bank as that term is defined in 12 U.S.C. Section 1813(u).

         (4) The Comptroller is "the appropriate Federal banking agency"
regarding ACE pursuant to 12 U.S.C. Section 1813(q). Therefore, ACE is subject
to the authority of the Comptroller to initiate and maintain cease and desist
and civil money penalty proceedings pursuant to 12 U.S.C. Sections 1818(b) and
(i), and 1867(c).

         (5) Through a Master Loan Agency Agreement dated August 11, 1999, as
amended, the Bank initiated a program with ACE (the "Program") whereby the Bank
would make short-term consumer loans ("Bank Payday Loans") to consumers at ACE's
various retail locations throughout the United States. The Bank Payday Loans are
or have been offered at ACE locations in approximately 24 states and the
District of Columbia. The loans are made by the Bank, and, pursuant to 12 U.S.C.
Section 85, the Bank charges an interest rate permissible under the laws of the
United States for national banks located in the State of California. Shortly
after origination, ACE purchases a 90-95% participation in the loans from the
Bank. Subject to the Bank's supervision and direction, ACE performs marketing,
servicing and collecting on the loans. As reflected in past statements, the
Comptroller has substantial policy concerns regarding programs of this type. As
described in the Order, the Program is being terminated.

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                                   ARTICLE II

                                    Agreement

         (1) ACE, without admitting or denying any wrongdoing, hereby consents
and agrees to the issuance of the Order by the Comptroller.

         (2) ACE agrees that the Order shall be deemed an "order issued with the
consent of the . . . institution-affiliated party" as that phrase is used in 12
U.S.C. Section 1818(h)(2) and further agrees that this Order shall become
effective upon its issuance and shall be fully enforceable by the Comptroller
under the provisions of 12 U.S.C. Section 1818(i). Notwithstanding the absence
of mutuality of obligation, or of consideration or of a contract, the
Comptroller or his designee may enforce any of the commitments or obligations
herein or within the Order undertaken by ACE under its supervisory powers,
including 12 U.S.C. Section 1818(i), and not as a matter of contract law. ACE
expressly acknowledges that neither ACE nor the Comptroller has any intention to
enter into a contract.

         (3) ACE also expressly acknowledges that no officer or employee of the
Office of the Comptroller of the Currency ("OCC") has statutory or other
authority to bind the United States, the U.S. Treasury Department, the OCC, or
any other federal bank regulatory agency or entity, or any officer or employee
of any of those entities to a contract affecting the OCC's exercise of its
supervisory responsibilities.

                                   ARTICLE III

                                     Waiver

         (1) By executing the Order, ACE waives:

             (a) the right to the issuance of a Notice under 12 U.S.C. Section
                 1818(b) or (i);

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             (b) all rights to a hearing and a final agency decision pursuant to
                 12 U.S.C. Section 1818(b) or (i) and 12 C.F.R. Part 19;

             (c) all rights to seek judicial review of the Order;

             (d) all rights in any way to contest the validity of the Order; and

             (e) any and all claims for fees, costs or expenses against the
                 Comptroller or any of his agents or employees, related in any
                 way to this enforcement matter or the Order, whether arising
                 under common law or under the terms of any statute including
                 but not limited to the Equal Access to Justice Act, 5 U.S.C.
                 Section 504 and 28 U.S.C. Section 2412.

         (2) ACE shall not cause, participate in or authorize the Bank or any
national bank (or any subsidiary or affiliate thereof) to incur, directly or
indirectly, any expense for the payment of the civil money penalty under the
Order or any legal (or other professional) expense relative to the negotiation
and issuance of the Order; and, in accordance with 12 C.F.R. Section 7.2014, ACE
shall not, directly or indirectly, obtain or accept any indemnification (or
other reimbursement) from the Bank or any national bank (or any subsidiary or
affiliate thereof) with respect to such amounts.

         (3) It is hereby agreed that the provisions of the Order constitute a
full settlement and final disposition of cease and desist and civil money
penalty proceedings contemplated by the Comptroller. The Comptroller agrees not
to institute further proceedings for any acts, omissions or violations that
occurred prior to the date of the Order.

         (4) It is further agreed that the provisions of the Order shall not be
construed as an adjudication on the merits.

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         (5) ACE understands that nothing herein shall preclude any proceedings
brought by the Comptroller to enforce the terms of the Order, and that nothing
herein constitutes, nor shall ACE contend that it constitutes, a waiver of any
right, power or authority of any other representatives of the United States or
agencies thereof, including the Department of Justice, to bring other actions
deemed appropriate.

         (6) Nothing in this Stipulation and Consent or the Order shall be
construed to be and is not intended to imply an admission or denial by ACE as to
any fact, finding, conclusion, issue of law, or violation of law, nor shall
compliance with the Order constitute or be construed as an admission or denial
by ACE of any fact, finding, conclusion, issue of law, or violation of law.
ACE's agreement to terminate its participation in the Program pursuant to this
Stipulation and Consent and the Order does not constitute an admission or denial
with respect to ACE's activities prior to the effective date of the Order.

         IN TESTIMONY WHEREOF, the undersigned, authorized by the Comptroller as
his representative, has hereunto set his hand on behalf of the Comptroller.

/s/ DAVID D. GIBBONS                               October 25, 2002
-----------------------------------------        -------------------------------
David D. Gibbons                                  Date
Deputy Comptroller
Special Supervision / Fraud Division

         IN TESTIMONY WHEREOF, the undersigned, as the duly elected and acting
President and Chief Operating Officer of ACE, has hereunto set his hand on
behalf of ACE.

/s/ JAY B. SHIPOWITZ                               October 25, 2002
-----------------------------------------        -------------------------------
Jay B. Shipowitz                                  Date
President and Chief Operating Officer
ACE Cash Express, Inc.

                                       5<PAGE>

                                                                    EXHIBIT 10.2

                            UNITED STATES OF AMERICA
                           DEPARTMENT OF THE TREASURY
                    OFFICE OF THE COMPTROLLER OF THE CURRENCY

--------------------------------------------
IN THE MATTER OF:                            )
ACE Cash Express, Inc.                       )
Irving, Texas                                )
                                             )
Agent and Bank Service Provider for:         )             AA-EC-02-19
                                             )
Goleta National Bank                         )
Goleta, California                           )
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                                  CONSENT ORDER

         ACE Cash Express, Inc., Irving, Texas ("ACE"), by and through its duly
elected and acting President and Chief Operating Officer ("President"), has
executed a "Stipulation and Consent to the Issuance of a Consent Order" dated
October 25, 2002, that is accepted by the Comptroller of the Currency
("Comptroller" or "OCC"). By this Stipulation and Consent, which is incorporated
by this reference, ACE has consented to the issuance of this Consent Order
("Order") by the Comptroller.

         Pursuant to the authority vested in him by the Federal Deposit
Insurance Act, as amended, 12 U.S.C. Section 1818(b) and (i)(2), the Comptroller
hereby orders that:

                                    ARTICLE I
                 CESSATION OF PAYDAY LENDING AND INDEMNIFICATION

         (1) Beginning November 15, 2002, and on an ongoing basis thereafter,
ACE shall notify all applicants seeking to originate, renew or rollover any
short-term consumer loan made by Goleta National Bank, Goleta, California
("Bank"), hereinafter referred to as "Bank Payday Loans", that ACE will no
longer provide services related to the origination, renewal and rollover of Bank
Payday Loans on or after January 1, 2003, in any state or in the District of
Columbia.

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         (2) Not later than January 1, 2003, ACE shall cease providing any
services to the Bank related to the origination, renewal or rollover of Bank
Payday Loans in all states and the District of Columbia.

         (3) Notwithstanding paragraphs (1) and (2) of this Article, ACE may
continue to provide services to the Bank related to the servicing and collection
of Bank Payday Loans originated, renewed or rolled over before January 1, 2003;
provided that, the due date is not extended for more than five (5) days, and no
new funds are advanced on any Bank Payday Loan on or after January 1, 2003.

         (4) On or before November 1, 2002, ACE shall assume, indemnify, and
hold the Bank harmless for one hundred percent (100%) of the costs, expenses,
legal fees, damages, and related liabilities from third-party claims in
accordance with the terms of Section 8.2(a) of the Master Loan Agency Agreement
between the Bank and ACE dated August 11, 1999, as amended ("Master Loan
Agreement"). ACE shall comply with this requirement by executing an amendment to
the Master Loan Agreement with the Bank, which Amendment shall include, inter
alia, an increase in the percentage of Section 8.2(a) to one hundred percent
(100%) from either ninety-five percent (95%) or ninety percent (90%),
respectively, and a reduction in the percentage of Section 8.1(a) to zero
percent (0%) from either five percent (5%) or ten percent (10%), respectively.
Thereafter, the Master Loan Agreement shall not be further amended or modified
without the prior written consent of the Comptroller.

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                                   ARTICLE II

                                FUTURE ACTIVITIES

         (1) Effective immediately, ACE shall not enter into any agreement,
written or oral, to provide services to any national bank or to any subsidiary
of a national bank, including but not limited to the marketing, origination,
servicing or collection of payday loans offered through a national bank or
subsidiary thereof, without first obtaining the prior written determination of
no objection from the OCC.

         (2) Any request to obtain a prior written determination of no
objection, as required by paragraph (1) of this Article, shall:

             (a)   be made at least ten (10) business days prior to entering
                   into any agreement referenced in paragraph (1) of this
                   Article;

             (b)   be made in writing to the Director of Special
                   Supervision/Fraud, Office of the Comptroller of the Currency,
                   250 E Street, Washington, DC 20219; and

             (c)   include a full and complete description of the services to be
                   performed by ACE, the name(s) of the national bank(s) and/or
                   subsidiary(ies) for which the services will be provided, and
                   a copy of any draft contract(s) governing the relationship
                   between ACE and such national bank(s) and/or subsidiary(ies).

         (3) The Director of Special Supervision/Fraud will respond to any
written request pursuant to paragraphs (1) and (2) of this Article within ten
(10) business days, provided that the ten-day period shall not commence until
ACE has complied with paragraph 2(c) and the Director has notified ACE in
writing that the request is deemed to be complete.

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<PAGE>

                                   ARTICLE III

                       FILE ACCESS AND DOCUMENT RETENTION

         (1) Effective immediately and continuing for so long as this Order
remains outstanding, ACE shall make available at the request of the Bank any
information or documentation in ACE's possession, custody or control that
relates to any applicant of a Bank Payday Loan obtained by ACE as a result of
the Master Loan Agreement, or any other agreement between ACE and the Bank
existing on or before December 31, 2002.

         (2) For purposes of this Order, the term "applicant" shall be defined
as any person who has applied for a Bank Payday Loan, regardless of whether the
loan has been approved, denied, cancelled, renewed, rolled over, or withdrawn.

         (3) Prior to the disposal or destruction of any Bank Payday Loan
records, ACE shall secure the written authorization of the Bank. In addition,
ACE shall not dispose of or destroy any records relating to Bank Payday Loans
prior to the end of any applicable statutory or regulatory period requiring the
retention of such records, and shall only dispose of or destroy such records in
a manner that is in conformance with the applicable Bank policies and procedures
in effect as of the date of this Order.

                                   ARTICLE IV

                            CIVIL MONEY PENALTY ORDER

         (1) Without admitting or denying any wrongdoing, ACE hereby consents to
the payment of a civil money penalty in the amount of two hundred fifty thousand
dollars ($250,000), which shall be paid upon execution of this Order. ACE shall
make payment in full by check made payable to the Treasurer of the United States
and shall deliver the payment to:

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Comptroller of the Currency, P.O. Box 73150, Chicago, Illinois 60673-7150 with a
copy of the check sent to Director, Enforcement & Compliance Division, Office of
the Comptroller of the Currency, 250 E Street, SW, Washington, DC 20219.

         (2) This Order shall be enforceable to the same extent and in the same
manner as an effective and outstanding order that has been issued and has become
final pursuant to 12 U.S.C. Sections 1818(h) and (i) (as amended).

                                    ARTICLE V

                                     CLOSING

         (1) It is expressly and clearly understood that if, at any time, the
Comptroller deems it appropriate in fulfilling the responsibilities placed upon
him by the several laws of the United States of America to undertake any action
affecting ACE or any national bank (or subsidiary or affiliate thereof), except
as set forth elsewhere herein (including the Stipulation and Consent) nothing in
this Order shall in any way inhibit, estop, bar or otherwise prevent the
Comptroller from so doing.

         (2) Any time limitations imposed by this Order shall begin to run from
the effective date of this Order. Such time limitations may be extended in
writing by the Director for Special Supervision/Fraud for good cause upon
written application by ACE.

         (3) The provisions of this Order are effective upon issuance of this
Order by the Comptroller, through his authorized representative whose hand
appears below, and shall remain effective and enforceable, except to the extent
that, and until such time as, any provisions of this Order shall have been
amended, suspended, waived or terminated in writing by the Comptroller.

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         (4) This Order is intended to be, and shall be construed to be, a final
order issued pursuant to 12 U.S.C. Section 1818(b) and (i)(2), and expressly
does not form, and may not be construed to form, a contract binding on the
Comptroller or the United States.

         (5) The terms of this Order, including this paragraph, are not subject
to amendment or modification by any extraneous expression, prior agreements or
arrangements or negotiations between the parties, whether oral or written.

IT IS SO ORDERED, this 25th day of October, 2002.

/s/ DAVID D. GIBBONS
----------------------
David D. Gibbons
Deputy Comptroller
Special Supervision/Fraud Division

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