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                                                              EXHIBIT 10.2(1)(f)

                                 FIFTH AMENDMENT
                                     TO THE
                                BELO SAVINGS PLAN
                (AS AMENDED AND RESTATED EFFECTIVE JULY 1, 2000)

         Belo Corp., a Delaware corporation, pursuant to authorization by the
Board of Directors, adopts the following amendments to the Belo Savings Plan
(the "Plan").

         1. The first sentence of Section 3.2(a) of the Plan ("75% Matching
Contribution"), as previously amended by the Third Amendment to the Plan, is
further amended in its entirety to read as follows:

         The Participating Employers will pay to the Trustee as a matching
         contribution for each payroll period an amount equal to 75% of each
         eligible Participant's Deferral Contributions (including catch-up
         Deferral Contributions described in Section 3.1(d)) made on and after
         July 1, 2000, but only to the extent that the Participant's Deferral
         Contributions do not exceed 6% of the Participant's Compensation for
         the payroll period.

         2. Subsection (b) of Section 3.2 of the Plan ("Participating Employer
Matching Contributions"), as previously amended by the Third Amendment to the
Plan, is further amended in its entirety to read as follows:

                           (b) 55% Matching Contribution. With respect to each
         Participant other than a Participant described in Section 3.2(a), the
         Participating Employers will pay to the Trustee as a matching
         contribution for each payroll period an amount equal to 55% of the
         Participant's Deferral Contributions (including catch-up Deferral
         Contributions described in Section 3.1(d)) but only to the extent that
         the Participant's Deferral Contributions do not exceed 6% of the
         Participant's Compensation for the payroll period.

         3. The foregoing amendments will be effective as of September 1, 2002.

         Executed at Dallas, Texas, this 27th day of September, 2002.

                                       BELO CORP.

                                       By  /s/ Marian Spitzberg
                                           -------------------------------------
                                               Marian Spitzberg
                                               Senior Vice President, Human
                                               ResourcesAce Cash Express, Inc.

 

Exhibit 10.1

FIFTH AMENDMENT TO AMENDED

AND RESTATED CREDIT AGREEMENT

     THIS FIFTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
“Amendment”) is made and entered into effective as of October 31, 2002 (the
“Effective Date”) by and among ACE CASH EXPRESS, INC., a Texas corporation (the
“Borrower”), the lenders party to the Credit Agreement (as defined below)
(collectively, together with all successors and assigns, the “Lenders”), WELLS
FARGO BANK TEXAS, NATIONAL ASSOCIATION, a national banking association, as
agent for the Lenders (the “Agent”), BANK OF AMERICA, N.A., a national banking
association, as syndication agent for the Lenders (the “Syndication Agent”),
WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, formerly
known as FIRST UNION NATIONAL BANK, (“Wachovia”), and JPMORGAN CHASE BANK, a
New York state banking corporation, formerly known as THE CHASE MANHATTAN BANK
(“Chase”), both as managing agents for the Lenders (Wachovia and Chase, in such
capacities, are hereby referred to as the “Managing Agents”) (collectively, the
Agent, the Syndication Agent and the Managing Agents are referred to as the
“Agents”).

PRELIMINARY STATEMENTS

     A. The Borrower, the Lenders and the Agents have entered into that certain
Amended and Restated Credit Agreement, dated as of November 9, 2000, as amended
by that certain Amendment to Amended and Restated Credit Agreement, by and
among the Borrower, the Lenders and the Agents, dated as of February 21, 2001,
as further amended by that certain Second Amendment to Amended and Restated
Credit Agreement, by and among the Borrower, the Lenders and the Agents, dated
as of November 7, 2001, as further amended by that certain Third Amendment to
Amended and Restated Credit Agreement, by and among the Borrower, the Lenders
and the Agents, dated as of December 31, 2001, and as further amended by that
certain Fourth Amendment to Amended and Restated Credit Agreement, by and among
the Borrower, the Lenders and the Agents, dated as of April 30, 2002 (as
amended, the “Credit Agreement”).

     B. The Borrower, the Lenders and the Agents desire to amend the Credit
Agreement and the other Credit Documents as hereinafter set forth.

     NOW, THEREFORE, in consideration of the premises herein contained and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties, intending to be legally bound, agree as
follows:

AGREEMENT

ARTICLE I. DEFINITIONS

     SECTION 1.01 Certain Defined Terms. Capitalized terms used in this
Amendment are used as defined in the Credit Agreement, as amended hereby,
unless otherwise stated.

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ARTICLE II. AMENDMENT

     SECTION 2.01 Amendment to Section 1.01; Amendment and Restatement of
Certain Defined Terms. Effective as of the Effective Date, the following
definitions contained in Section 1.01 of the Credit Agreement are hereby
amended and restated in their entirety to read as follows:

		
	 	     “Applicable Margin” shall mean the following percentages per
annum applicable to the following Types of Loans, which
percentages shall be added to the applicable interest rates for
purposes of calculating the interest rates payable to the Lenders,
as more fully described by Section 2.05.

	 	 	 	 	 
	TYPE OF LOAN	 	APPLICABLE MARGIN
	Alternate Base Loans
	 	 	3.50	%
	Eurodollar Loans
	 	 	N/A	 
	Reference Rate Loans
	 	 	4.50	%

		
	 	     “Available Commitment Amount” shall mean at any date of
determination with respect to the Revolving Credit Commitment, the
lesser of (i) the Total Revolving Credit Commitment or (ii)
$110,000,000, minus, in either case, the average daily unpaid
principal balance of the Revolving Credit Loans since the later to
occur of October 31, 2002 and the last date of payment of the
Commitment Fee with respect to the Revolving Credit Commitment, as
described in Section 2.06(a) hereof.

		
	 	     “Final Maturity Date” shall mean November 13, 2002.

     SECTION 2.02 Amendment to Section 2.01(d). Effective as of the Effective
Date, the reference to “$130,000,000” contained in Section 2.01(d)(iii) of the
Credit Agreement is hereby deleted and “$110,000,000” is hereby substituted in
lieu thereof.

     SECTION 2.03 Amendment to Section 2.09(e). Effective as of the Effective
Date, the reference to “$130,000,000” contained in Section 2.09(e)(iii) of the
Credit Agreement is hereby deleted and “$110,000,000” is hereby substituted in
lieu thereof.

ARTICLE III. CONDITIONS PRECEDENT

     SECTION 3.01 The effectiveness of the amendments in Article II of this
Amendment is subject to the satisfaction of the following conditions precedent:

		
	 	     (a) The Lenders shall have received (i) this Amendment, duly
executed by the Borrower and the Lenders, (ii) a certificate of
the Secretary of the Borrower acknowledging (A) that the
Borrower’s Board of Directors has adopted, approved, consented to
and ratified resolutions which authorize the execution, delivery
and

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	 	performance by the Borrower of this Amendment, and (B) the
names of the officers of the Borrower authorized to sign this
Amendment together with specimen signatures of such officers,
(iii) a Consent and Ratification of the existing Guaranty
Agreements, substantially in the form of Exhibit G to the Credit
Agreement, executed by each Guarantor and (iv) such additional
documents, instruments and information as the Agents or any Lender
may reasonably request;

		
	 	     (b) The representations and warranties contained herein and
in the Credit Agreement, as amended hereby, and the other Credit
Documents shall be true and correct in all material respects as of
the date hereof, as if made on the date hereof;

		
	 	     (c) After giving effect to this Amendment, no Default or
Event of Default shall have occurred and be continuing;

		
	 	     (d) All corporate proceedings taken in connection with the
transactions contemplated by this Amendment and all documents,
instruments and other legal matters incident thereto shall be
satisfactory to the Agents and the Required Lenders and their
legal counsel;

		
	 	     (e) Borrower shall have paid (i) the commitment fee accrued
pursuant to Section 2.06 of the Credit Agreement (prior to giving
effect to this Amendment) through the date of this Amendment and
(ii) the commitment fee described in Section 4.01 of this
Amendment, which is due and payable on the date hereof; and

		
	 	     (f) Borrower shall have paid all reasonable fees and expenses
incurred by counsel to Agent and Lenders in connection with the
transactions contemplated by this Amendment, including, without
limitation, all reasonable fees and expenses incurred in
connection with the preparation of this Amendment and any other
loan documentation related thereto.

ARTICLE IV. COVENANTS

     SECTION 4.01 In consideration of the extension of the Loans and other
credit accommodations provided under the Credit Agreement, Borrower hereby
agrees to pay the Lenders, in immediately available funds on the date hereof, a
commitment fee equal to the sum of (a) $103,133.34 (which amount shall be
allocated to each Lender pro rata based upon their respective Term Loan
Commitment amounts as of the date of this Amendment) and (b) $80,000 ($10,000
of which shall be payable to each Lender), which commitment fee shall be deemed
fully earned and nonrefundable upon the execution of this Amendment by
Borrower.

ARTICLE V. REPRESENTATIONS AND WARRANTIES

     SECTION 5.01 The Borrower hereby represents and warrants to the Agents and
the Lenders that (a) the representations and warranties contained in the Credit
Agreement, as amended hereby, and in any other Credit Document are true and
correct in all material respects on and as of the date hereof as though made on
and as of the date hereof (except insofar as such representations and
warranties relate expressly to an earlier date); (b) no Default of Event of
Default under the

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Credit Agreement, as amended hereby, or any other Credit Document has occurred
and is continuing; and (c) Borrower is in compliance in all material respects
with all covenants and agreements contained in the Credit Agreement, as amended
hereby, and in the other Credit Documents.

ARTICLE VI. NO WAIVER

     SECTION 6.01 Nothing contained in this Amendment or any other
communication between Agents and/or Lenders and the Borrower shall be a waiver
of any past, present or future violation, default or Event of Default of the
Borrower under the Credit Agreement or any Credit Document; Agents and Lenders
hereby expressly reserve any rights, privileges and remedies under the Credit
Agreement and each Credit Document that Agents and Lenders may have with
respect to each violation, default or Event of Default, and any failure by
Agents and/or Lenders to exercise any right, privilege or remedy as a result of
the violations set forth above shall not directly or indirectly in any way
whatsoever either (A) impair, prejudice or otherwise adversely affect the
rights of Agents and/or Lenders, except as set forth herein, at any time to
exercise any right, privilege or remedy in connection with the Credit Agreement
or any Credit Documents, (B) amend or alter any provision of the Credit
Agreement or any Credit Documents or any other contract or instrument, or (C)
constitute any course of dealing or other basis for altering any obligation of
the Borrower or any rights, privilege or remedy of Agents and/or Lenders under
the Credit Agreement or any Credit Documents or any other contract or
instrument; and (iii) nothing in this Amendment shall be construed to be a
consent.

ARTICLE VII. MISCELLANEOUS PROVISIONS

     SECTION 7.01 Ratification of Credit Agreement and Other Credit Documents.
Except as expressly provided herein, (i) the Credit Agreement and all other
Credit Documents shall remain unmodified and in full force and effect as
supplemented and amended hereby, and (ii) the Borrower hereby affirms all the
provisions of the Credit Agreement, as amended hereby, and the other Credit
Documents.

     SECTION 7.02 Confirmation of the Security Documents. The Borrower hereby
acknowledges and confirms that the Collateral (as defined in the Security
Documents) continues to secure the Liabilities (as defined in the Security
Documents), including those arising under the Credit Agreement, as amended
hereby.

     SECTION 7.03 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument.

     SECTION 7.04 RELEASE. THE BORROWER HEREBY ACKNOWLEDGES THAT IT HAS NO
DEFENSE, COUNTERCLAIM, OFFSET, CROSS-COMPLAINT, CLAIM OR DEMAND OF ANY KIND OR
NATURE WHATSOEVER THAT CAN BE ASSERTED TO REDUCE OR ELIMINATE ALL OR ANY PART
OF ITS LIABILITY TO REPAY THE “OBLIGATIONS” OR TO SEEK AFFIRMATIVE RELIEF OR
DAMAGES OF ANY KIND OR NATURE FROM AGENT OR LENDERS. THE BORROWER HEREBY
VOLUNTARILY AND KNOWINGLY RELEASES AND FOREVER DISCHARGES AGENT

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AND LENDERS, THEIR PREDECESSORS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS,
SUCCESSORS AND ASSIGNS, FROM ALL POSSIBLE CLAIMS, DEMANDS, ACTIONS, CAUSES OF
ACTION, DAMAGES, COSTS, EXPENSES, AND LIABILITIES WHATSOEVER, KNOWN OR UNKNOWN,
ANTICIPATED OR UNANTICIPATED, SUSPECTED OR UNSUSPECTED, FIXED, CONTINGENT, OR
CONDITIONAL, AT LAW OR IN EQUITY, ORIGINATING IN WHOLE OR IN PART ON OR BEFORE
THE DATE THIS AMENDMENT IS EXECUTED, WHICH THE BORROWER MAY NOW OR HEREAFTER
HAVE AGAINST AGENT AND/OR LENDERS, THEIR PREDECESSORS, OFFICERS, DIRECTORS,
EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS, IF ANY, AND IRRESPECTIVE OF WHETHER
ANY SUCH CLAIMS ARISE OUT OF CONTRACT, TORT, VIOLATION OF LAW OR REGULATIONS,
OR OTHERWISE, AND ARISING FROM ANY “LOANS”, INCLUDING, WITHOUT LIMITATION, ANY
CONTRACTING FOR, CHARGING, TAKING, RESERVING, COLLECTING OR RECEIVING INTEREST
IN EXCESS OF THE HIGHEST LAWFUL RATE APPLICABLE, THE EXERCISE OF ANY RIGHTS AND
REMEDIES UNDER THE CREDIT AGREEMENT OR OTHER CREDIT DOCUMENTS, AND THE
NEGOTIATION OF, AND EXECUTION OF, THIS AMENDMENT.

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     IN WITNESS WHEREOF, this Amendment has been executed as of the date first
above written.

	 	 	 	 	 
	 	 	BORROWER:
	 	 	 	 	 
	 	 	ACE CASH EXPRESS, INC.
	 	 	 	 	 
	 	 	
By:
	 	/s/ JOE W. CONNER
	 	 	 	 	

	 	 	
Name:
	 	Joe W. Conner
	 	 	
Title:
	 	Senior Vice President &

Chief Financial Officer
	 	 	 	 	 
	 	 	AGENT:
	 	 	 	 	 
	 	 	WELLS FARGO BANK TEXAS, NATIONAL

ASSOCIATION
	 	 	 	 	 
	 	 	
By:
	 	/s/ MICHAEL B. SULLIVAN
	 	 	 	 	

	 	 	
Name:
	 	Michael B. Sullivan
	 	 	
Title:
	 	Senior Vice President
	 	 	 	 	 
	 	 	SYNDICATION AGENT:
	 	 	 	 	 
	 	 	BANK OF AMERICA, N.A.
	 	 	 	 	 
	 	 	
By:
	 	/s/ PATRICK HONEY
	 	 	 	 	

	 	 	
Name:
	 	Patrick Honey
	 	 	
Title:
	 	Vice President
	 	 	 	 	 
	 	 	MANAGING AGENTS:
	 	 	 	 	 
	 	 	JPMORGAN CHASE BANK
	 	 	(f/k/a THE CHASE MANHATTAN BANK)
	 	 	 	 	 
	 	 	
By:
	 	/s/ D. SCOTT HARVEY
	 	 	 	 	

	 	 	
Name:
	 	D. Scott Harvey
	 	 	
Title:
	 	Senior Vice President
	 	 	 	 	 
	 	 	WACHOVIA BANK, NATIONAL ASSOCIATION
	 	 	(f/k/a FIRST UNION NATIONAL BANK)
	 	 	 	 	 
	 	 	
By:
	 	/s/ LAURA B. SMITH
	 	 	 	 	

	 	 	
Name:
	 	Laura B. Smith
	 	 	
Title:
	 	Vice President

 

	 	 	 	 	 
	 	 	LENDERS:
	 	 	 	 	 
	 	 	WELLS FARGO BANK TEXAS, NATIONAL

ASSOCIATION
	 	 	 	 	 
	 	 	
By:
	 	/s/ MICHAEL B. SULLIVAN
	 	 	 	 	

	 	 	
Name:
	 	Michael B. Sullivan
	 	 	
Title:
	 	Senior Vice President
	 	 	 	 	 
	 	 	BANK OF AMERICA, N.A.
	 	 	 	 	 
	 	 	
By:
	 	/s/ PATRICK HONEY
	 	 	 	 	

	 	 	
Name:
	 	Patrick Honey
	 	 	
Title:
	 	Vice President
	 	 	 	 	 
	 	 	JPMORGAN CHASE BANK
	 	 	(f/k/a THE CHASE MANHATTAN BANK)
	 	 	 	 	 
	 	 	
By:
	 	/s/ D. SCOTT HARVEY
	 	 	 	 	

	 	 	
Name:
	 	D. Scott Harvey
	 	 	
Title:
	 	Senior Vice President
	 	 	 	 	 
	 	 	WACHOVIA BANK, NATIONAL ASSOCIATION
	 	 	(f/k/a FIRST UNION NATIONAL BANK)
	 	 	 	 	 
	 	 	
By:
	 	/s/ LAURA B. SMITH
	 	 	 	 	

	 	 	
Name:
	 	Laura B. Smith
	 	 	
Title:
	 	Vice President
	 	 	 	 	 
	 	 	NATIONAL CITY BANK
	 	 	 	 	 
	 	 	
By:
	 	/s/ MICHAEL J. DURBIN
	 	 	 	 	

	 	 	
Name:
	 	Michael J. Durbin
	 	 	
Title:
	 	Vice President
	 	 	 	 	 
	 	 	HIBERNIA NATIONAL BANK
	 	 	 	 	 
	 	 	
By:
	 	/s/ FRANK J. CRIFASI
	 	 	 	 	

	 	 	
Name:
	 	Frank J. Crifasi
	 	 	
Title:
	 	Senior Vice President

 

	 	 	 	 	 
	 	 	TEXAS CAPITAL BANK, NATIONAL ASSOCIATION
	 	 	 	 	 
	 	 	
By:
	 	/s/ RONALD K. BAKER
	 	 	 	 	

	 	 	
Name:
	 	Ronald K. Baker
	 	 	
Title:
	 	Executive Vice President
	 	 	 	 	 
	 	 	FIRST AMERICAN BANK, SSB
	 	 	 	 	 
	 	 	
By:
	 	/s/ PAUL VOORHIES
	 	 	 	 	

	 	 	
Name:
	 	Paul Voorhies
	 	 	
Title:
	 	Vice President

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