Document:

Exhibit 10.2

CERTIFICATIONS

I, Benjamin Barzilay, certify that:

1.       I have reviewed  this annual report on Form 20-F of ICTS  International
         N.V.;

2.       Based on my  knowledge,  this annual report does not contain any untrue
         statement of a material fact or omit to state a material fact necessary
         to make the statements made, in light of the circumstances  under which
         such  statements  were made, not misleading  with respect to the period
         covered by this annual report;

3.       Based on my knowledge,  the financial  statements,  and other financial
         information  included  in this  annual  report,  fairly  present in all
         material  respects the financial  condition,  results of operations and
         cash flows of the  registrant as of, and for, the periods  presented in
         this annual report;

4.       The registrant's  other  certifying  officers and I are responsible for
         establishing  and  maintaining  disclosure  controls and procedures (as
         defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and
         have:

                  a. designed such disclosure  controls and procedures to ensure
         that material  information  relating to the  registrant,  including its
         consolidated  subsidiaries,  is made known to us by others within those
         entities, particularly during the period in which this annual report is
         being prepared;

                  b. evaluated the effectiveness of the registrant's  disclosure
         controls and procedures as of a date within 90 days prior to the filing
         date of this annual report (the "Evaluation Date"); and

                  c. presented in this annual report our  conclusions  about the
         effectiveness  of the disclosure  controls and procedures  based on our
         evaluation as of the Evaluation Date;

5.       The registrant's other certifying officers and I have disclosed,  based
         on our most recent  evaluation,  to the  registrant's  auditors and the
         audit  committee  of  registrant's   board  of  directors  (or  persons
         performing the equivalent function):

                  a. all significant  deficiencies in the design or operation of
         internal controls which could adversely affect the registrant's ability
         to  record,  process,  summarize  and  report  financial  data and have
         identified  for the  registrant's  auditors any material  weaknesses in
         internal controls; and

                  b.  any  fraud,   whether  or  not  material,   that  involves
         management  or  other  employees  who  have a  significant  role in the
         registrant's internal controls; and

6.       The registrant's other certifying officers and I have indicated in this
         annual report whether or not there were significant changes in internal
         controls or in other factors that could  significantly  affect internal
         controls  subsequent  to  the  date  of  our  most  recent  evaluation,
         including   any   corrective   actions   with  regard  to   significant
         deficiencies and material weaknesses.

Date: July 26, 2005
By: /s/ Benjamin Barzilay

<PAGE>

CERTIFICATION

         In connection with the annual report of ICTS International, N.V. (the
"Company") on Form 6-K for the period ending December 31, 2004 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I,
Benjamin Barzilay, Chief Financial Officer of the Company, certify, pursuant to
18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of
2002, that:

                  (1) The Report fully complies with the requirements of Section
         13(a) or 15(d) of the Securities and Exchange Act of 1934; and

1.                (2) The information  contained in the Report fairly  presents,
         in all  material  respects,  the  financial  condition  and  results of
         operations of the Company.

ICTS INTERNATIONAL, N.V.

By: /s/ Benjamin Barzilay
   -------------------------------------------
   Benjamin Barzilay,  Chief Financial Officer

Dated: July 26, 2005Exhibit 10.3

                                 CERTIFICATION

      In  connection  with the annual  report of ICTS  International,  N.V. (the
"Company")  on Form 20-F for the period  ending  December 31, 2004 as filed with
the Securities  and Exchange  Commission on the date hereof (the  "Report"),  I,
Benjamin  Barzilay,  Chief Financial Officer and Avraham Dan, Managing Director,
of the Company,  certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to
ss. 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of
the Securities and Exchange Act of 1934; and

(2) The  information  contained in the Report fairly  presents,  in all material
respects, the financial condition and results of operations of the Company.

ICTS INTERNATIONAL, N.V.

By: /s/ Benjamin Barzilay
    ------------------------------------------
    Benjamin Barzilay, Chief Financial Officer

Dated: July 26, 2005exv10w1

 

Exhibit 10.1

CONFIDENTIAL PORTIONS OF THIS DOCUMENT HAVE BEEN REDACTED AND

FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION

FIRST BANK OF DELAWARE

1000 Rocky Run Parkway

Wilmington, Delaware 19803-1455

June 14, 2005

Dollar Financial Group, Inc.

1436 Lancaster Avenue — Suite 310

Berwyn, Pennsylvania 19312-1288

          Re: Amendment of Marketing and Servicing Agreement

     Reference is made hereby to the Marketing and Servicing Agreement between us dated October 18,
2002 (the “Agreement”). As used herein, unless the context otherwise requires, all capitalized
terms have the meanings ascribed to them in the Agreement.

     Exhibit “A” and any amendments thereto is hereby replaced in its entirety with the attached
new Exhibit “A.”

     Section 4(h) of the Agreement is amended by deleting “[**]” in each place where it occurs and
inserting “[**]”in lieu thereof. Commencing six months from the date of this letter, Lender will
semiannually reevaluate the amount of [**] required under Section 4(h) and adjust it based on Loans
outstanding and services provided by Servicer.

     Servicer will purchase all borrower forbearance agreements entered into by Lender [**]. The purchase price
of such agreements will be paid by Servicer to Lender through the daily settlement process.

     Dollar and its affiliates may issue a press release with respect hereto and may disclose this
Amendment to the extent required by the Securities Exchange Act of 1934.

     Except as amended hereby, the Agreement is unmodified and shall remain in full force and
effect.

	 	 	 	 	 
	 	Very truly yours,

FIRST BANK OF DELAWARE

 	 
	 	By:  	/s/ Alonzo Primus
 	 
	 	 	Alonzo Primus 	 
	 	 	Executive Vice President 	 
	 

Accepted and agreed to this 14th day of

June, 2005:

	 	 	 	 
	DOLLAR FINANCIAL GROUP, INC.

 	 
	By:  	 	/s/ D.F. Gayhardt
 	 
	 	 	Donald F. Gayhardt 
	 	 	President 	 
	 

** Confidential material which has been omitted and filed separately with the Securities and Exchange Commission.

 

 

Exhibit “A”

(As Revised June 14, 2005)

Pricing

Finance Charge to Borrowers

     BANK intends to charge each Borrower a Finance Charge equal to the following dollar
amounts per $100 of principal advanced, based on the residence of the Borrower:

     [**]

Fees

     The Fees shall be, in respect of each $100 of principal advanced:

     [**]

Deductions

     [**]

Target Loss Rate

     The Target Loss Rate is:

     [**]

     (Reference in this exhibit to particular [**] shall not be deemed to constitute an
acknowledgement by BANK that the conditions set forth in the Agreement to the conduct by
DOLLAR of marketing and servicing activities in such [**] have been satisfied.)

 

 

** Confidential material which has been omitted and filed separately with the Securities and Exchange Commission.exv10w2

 

Exhibit 10.2

CONFIDENTIAL PORTIONS OF THIS DOCUMENT HAVE BEEN REDACTED AND

FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION

June 15, 2005

County Bank

4200 Highway One

Rehoboth Beach, Delaware 19971-1140

Attention: Mr. David E. Gillan, Vice President

Re: Termination of Amended and Restated Nonexclusive Servicing and Indemnification Agreement

Dated June 14, 2002

Gentlemen:

     Reference is hereby made to the Amended and Restated Nonexclusive Servicing and
Indemnification Agreement between us dated June 14, 2002 (the “Agreement”). Unless the context
otherwise requires, capitalized terms used herein have the meanings ascribed to them in the
Agreement.

     As a result of impending changes to the business model under which Lender requires Servicer to
operate, both parties desire to terminate the Agreement, subject to the following terms and
conditions:

     1. Servicer will cease origination of Loans in accordance with a schedule to be determined in
consultation with Lender and will completely cease origination of new Loans not later than June 30,
2005. Servicer will continue to service existing Loans and related refinances until the respective
borrowers have either repaid their loans or are no longer eligible to refinance such loans.

     2. On July 27, 2005, Lender will sell, assign and transfer to Servicer, without recourse all
of Lender’s right, title and interest in and to all then outstanding delinquent or defaulted Loans
for which the Bank has made recovery through charges against the deferred portion of the earned and
accrued [**] Bonus pursuant to Section 2.04 of the Agreement for the total purchase
price of [**].

     3. On July 27, 2005, Lender will sell, assign and transfer to Servicer, without recourse, all
of Lender’s right, title and interest in and to all then outstanding current Loans for the total
purchase price of the [**].

     4. Notwithstanding the provisions of paragraphs 2 and 3 above, Lender will periodically sell,
assign and transfer to Servicer, without recourse, [**], all of
Lender’s right, title and interest in and to all then outstanding delinquent or defaulted loans for
which the Bank has not made recovery through charges against the
deferred portion of the earned and accrued [**] Bonus as of July 27, 2005 for the
purchase price per Loan [**].

 

 

** Confidential material which has been omitted and filed separately with the Securities and Exchange Commission.

 

 

County Bank

June 15, 2005

Page 2

     5. The following matters relating to Servicer’s collection of Loans on and after the date
hereof shall be subject to Lender’s approval, which approval shall in each case not be unreasonably
conditioned, withheld or delayed: (a) the form and terms of any third-party servicing agreement to
be utilized by Servicer; and (b) any sale or assignment by Servicer to a third party of any
interest in the Loans, including the form and terms of an agreement related thereto. In connection
with and following any such sale, Servicer shall (and shall cause its Services and assignees to)
comply with Lender’s policies presently in effect regarding the collection of Loans.

     6. Except as otherwise provided in paragraphs 4 and 7 hereof, the parties will settle and pay
to each other all amounts on deposit, due or otherwise owing each other under the Agreement not
later than September 26, 2005.

     7. Notwithstanding paragraph 6, pursuant to and under the terms of Section 12 of the
Litigation Fund Agreement Servicer’s obligation under the Litigation Funds Agreement shall survive
termination of the Agreement.

     If after reading the foregoing, you find that this letter correctly sets forth our agreement
as written, please so indicate by signing a copy in the space provided below and returning it to me
by facsimile.

	 	 	 	 	 
	 	Very truly yours,

DOLLAR FINANCIAL GROUP, INC.

 	 
	 	By:  	/s/ Randall Underwood
 	 
	 	 	Randall Underwood 	 
	 	 	Its: Executive Vice President 	 
	 

Accepted and agreed to this

15th day of June, 2005:

	 	 	 	 
	COUNTY BANK

 	 
	By:  	 	/s/ David E. Gillan 	 
	 	 	David E. Gillan 
	 	 	Its: Vice President 

 

 

** Confidential material which has been omitted and filed separately with the Securities and Exchange Commission.

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