Document:

Amendment 1 Participation Agreement

AMENDMENT NUMBER 1 TO

MASTER LOAN PARTICIPATION AGREEMENT

         This Amendment Number 1 to Master Loan Participation Agreement (this "Amendment") is made as of the 29th
day of March, 2001, by and between Goleta National Bank, a national banking association ("GNB"), and Ace Cash
Express, Inc., a Texas corporation ("Participant"), with regard to the following: 

	 GNB and Participant entered into that certain Master Loan Agency Agreement dated August 11, 1999, and
contemporaneously with the execution of this Amendment are amending the Master Loan Agency
Agreement by that certain Amendment Number 1 to Master Loan Agency Agreement of even date
herewith (as so amended, the "Agency Agreement").

	 GNB and Participant entered into that certain Master Loan Participation Agreement dated August 11, 1999
(the "Participation Agreement"), and wish to amend the Participation Agreement to correspond
with the terms of the Agency Agreement and as set forth herein.

	 Section 12 of the Participation Agreement permits GNB and Participant to amend the Participation
Agreement by a writing signed by them.

          NOW, THEREFORE, in consideration of the foregoing and the mutual covenants and agreements
hereinafter set forth, GNB and Participant hereby agree as follows:

	 The third recital (or "WHEREAS") paragraph of the Participation Agreement is amended to read as follows:

"WHEREAS, Participant desires to purchase, and GNB desires to sell to Participant, an undivided interest
in each of the Bank Loans."

	 The following sentences are hereby added to, at the end of, Section 1 of the Participation Agreement:

 "But from and after the POS Compliance Date (as that term is defined in the Agency Agreement, as defined
below) (the "POS Compliance Date"), GNB agrees to sell to Participant, from time to time, and
Participant agrees to purchase from GNB, from time to time, an undivided * percent (* %) interest in
each and every Bank Loan made by GNB from and after the POS Compliance Date. For purposes of this
Agreement, (a) the "Agency Agreement" is that certain Master Loan Agency Agreement between GNB and
Participant dated August 11, 1999, as amended to date, and (b) each and every renewal of a Bank Loan
shall be deemed made on the date the Bank Loan was originally made or funded by GNB and shall be treated
in the same manner as that original Bank Loan."

	 The first sentence of Section 2 of the Participation Agreement is hereby amended to read as follows:

 "The purchase price for each Bank Loan purchased by Participant shall be * percent (* %) of the
principal amount of such Bank Loan made prior to the POS Compliance Date and shall be * percent (* %) of
the principal amount of each Bank Loan made from and after the POS Compliance Date ("Purchase Price").

* Confidential treatment has been requested for certain portions of this document pursuant to an application for
confidential treatment sent to the Securities and Exchange Commission. Such portions are omitted from this
filing and filed separately with the Securities and Exchange Commission.

	 Section 4 of the Participation Agreement is hereby amended to read as follows:

 "4. The Purchase Price for each Bank Loan shall be transferred from the Account to GNB *
and either (a) * percent (* %) of any payment of fees, interest or principal received by GNB on each
such Bank Loan purchased by Participant regarding Bank Loans made prior to the POS Compliance Date, or
(b) * percent (* %) of any payment of fees, interest or principal received by GNB on each such Bank Loan
purchased by Participant regarding Bank Loans made from and after the POS Compliance Date, shall be
transferred to the Account * by GNB; provided, however, that if any instrument representing payment of
the fee, principal or interest on a Bank Loan is later dishonored, rescinded or revoked, or GNB, for any
reason, fails to receive good funds, then the credit to the Account of Participant shall be transferred
to GNB."

	 Section 11 of the Participation Agreement is hereby amended to read as follows:

 "11. GNB and Participant shall share any losses (but not unreimbursed Expenses) with
respect to any defaulted Bank Loan in accordance with their respective interests in such Bank Loan
(i.e., * percent (* %) of such Loss shall be borne by Participant and * percent (* %) shall be borne by
GNB on each such Bank Loan purchased by Participant regarding Bank Loans made prior to the POS
Compliance Date, and * percent (* %) of such Loss shall be borne by Participant and * percent (* %)
shall be borne by GNB on each such Bank Loan purchased by Participant regarding Bank Loans made from and
after the POS Compliance Date).

	 Section 14 of the Participation Agreement is hereby amended to substitute "President and Chief Operating
Officer" for the title "Chief Financial Officer" after "Jay B. Shipowitz," in the address for any notice,
request, demand, or other communication to Participant.

	 The following is hereby added as a new Section 22 of the Participation Agreement:

 "22. GNB's obligation to sell to Participant, and Participant's obligation to purchase from
GNB, an interest in Bank Loans shall cease upon termination of the Agency Agreement."

	 Except as set forth in this Amendment, all terms used herein that are defined in the Participation
Agreement shall have the respective meanings set forth in the Participation Agreement.

	 Except as amended hereby, the Participation Agreement is hereby affirmed in its entirety.

	 This Amendment may be signed in counterparts with the same effect as if both parties hereto had signed
the same paper; all counterparts are to be construed together to be one and the same document.

* Confidential treatment has been requested for certain portions of this document pursuant to an application for
confidential treatment sent to the Securities and Exchange Commission. Such portions are omitted from this
filing and filed separately with the Securities and Exchange Commission.

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by their
respective officers as of the day and year first above written.

		
		 GOLETA NATIONAL BANK
		
		By: 

		 Name: Llewellyn W. Stone
		 Title: President and Chief Executive Officer
		
		
		
		
		
		
		
		
		 ACE CASH EXPRESS, INC.
		 By:

		 Name: Jay B. Shipowitz
		 Title: President and Chief Operating OfficerAmendment 1 - Schedule of Interest and Fees

 AMENDMENT NUMBER 1 TO THE

SCHEDULE OF INTEREST AND FEES

         This Amendment Number 1 to the Schedule of Interest and Fees ("Schedule Amendment") is made as of this
29th day of March, 2001, by and between Goleta National Bank, a national banking association ("GNB"), and Ace Cash
Express, Inc., a Texas corporation ("Ace"), with regard to the following:

	 GNB and Ace entered into that certain Master Loan Agency Agreement dated August 11, 1999 (the
"Agreement"), which included as Exhibit "E" thereto that certain Schedule of Interest and Fees (the "Schedule").

	 Contemporaneously with the execution of this Schedule Amendment, GNB and Ace are amending the
Agreement by that certain Amendment Number 1 to Master Loan Agency Agreement of even date herewith (as so
amended, the "Agency Agreement") and wish to amend the Schedule as set forth herein.

         NOW, THEREFORE, in consideration of the foregoing and the mutual covenants and agreements set forth in
the Agency Agreement and in this Schedule Amendment, Ace and GNB hereby agree as follows:

         The following Paragraph 5 is added to, immediately after Paragraph 4 of, the Schedule:

 5. Exclusivity and Loan Compliance Fee. In consideration of the grant of exclusivity by
GNB to Ace provided in Section 1.6(b) of the Agency Agreement, and to assist GNB in offsetting
the costs of complying with regulatory requirements for originating the Bank Loans, Ace shall
pay to GNB a one-time Exclusivity and Loan Compliance Fee of $* on March 30, 2001, and $* on
the last business day of each calendar month, commencing April 30, 2001, up to and including
the earlier of (a) the last day of the month in which the POS Compliance Date (as that term is
defined in the Agency Agreement) occurs, or (b) June 30, 2001." 

	 Except as set forth in this Schedule Amendment, all terms used herein that are defined in the
Agency Agreement shall have the respective meanings set forth in the Agency Agreement.

	 Except as amended hereby, the Schedule is hereby affirmed in its entirety.

	 This Schedule Amendment may be signed in counterparts with the same effect as if both Parties
had signed the same paper; all counterparts are to be construed together to be one and the same document.

* Confidential treatment has been requested for certain portions of this document pursuant to an application for
confidential treatment sent to the Securities and Exchange Commission. Such portions are omitted from this
filing and filed separately with the Securities and Exchange Commission.

         IN WITNESS WHEREOF, the parties hereto have caused this Schedule Amendment to be duly executed by their
respective officers as of the day and year first above written.

		
		 GOLETA NATIONAL BANK
		
		By: 

		 Name: Llewellyn W. Stone
		Title: President and Chief Executive Officer
		
		
		
		
		
		
		
		
		 ACE CASH EXPRESS, INC.
		 By:

		 Name: Jay B. Shipowitz
		 Title: President and Chief Operating OfficerQ1 2001 10Q Exh10_??

AMENDMENT NUMBER FOUR TO LEASE AND EXTENSION AND EXPANSION
AGREEMENT

AMENDMENT NUMBER FOUR AND EXTENSION AGREEMENT (this
"Extension Agreement") to be attached to and form a part of the lease as
amended by that certain Amendment No. 1, dated June 7, 1996, Amendment No. 2
dated December 9, 1996, and Amendment No. 3 dated August 1, 1997 (which together
with amendments, modifications and extensions thereof is hereinafter called the
"Lease"), dated November 1, 1994 between Spieker Properties, L.P., a
California limited partnership, as Landlord, successor in interest to WCB
Sixteen Limited Partnership, a Delaware limited partnership, and Cell Genesys,
Inc., a Delaware corporation, as Tenant, covering the premises known as 322,
324, 342, 366 Lakeside Drive, Foster City, California. Capitalized terms used
but not otherwise defined herein shall have the meanings given them in the
Lease.

Effective February 12, 2001 The Lease will be amended as
follows to provide for Tenant's expansion premises and term extension:

	Premises. Effective August 1, 2001, or upon
Landlord's delivery of Premises to Tenant, the term "Premises" as used in the
Lease is amended to include approximately 14,842 square feet of rentable area
located at 320 Lakeside Drive, known as suite "A" in Foster City, California,
for a total of approximately 106,477 square feet of rentable area located at the
buildings known as 320, 322, 324, 342, 366 Lakeside Drive in Foster City. The
Premises as expanded and extended herein are approximately as shown outlined in
red on the attached floor plans (Exhibit A.1-320 Lakeside Drive, Exhibit A.2-322
Lakeside Drive, Exhibit A.3-342 Lakeside Drive, Exhibit A.4-366 Lakeside
Drive).

	Term. The term of the Lease shall be
extended so that the Scheduled Term Expiration Date as defined per the Basic
Lease Information of the Lease shall be January 31, 2006.

	Rent. Base Rent for the Premises as
expanded and extended herein shall be as follows:

	
320 Lakeside Drive, suite A, Foster City, California
- approximately 14,842 square feet:

	
8/1/01-7/31/02:
	
Fifty-nine thousand three hundred and sixty-eight and
no/100ths dollars ($59,368.00) per month plus Property Taxes and Operating
Expenses per Paragraph 4 of the Lease. Property Taxes and Operating Expenses
through December, 2001, are estimated to be $6,827.00 per month. Property Taxes
and Operating Expenses are estimated a year in advance and collected on a
monthly basis. Any adjustments necessary (up or down) will be made at the end of
the operating year.

	
8/1/02-7/31/03: 
	
Sixty-one thousand four hundred and forty-six and no/100ths
dollars ($61,446.00) per month plus Property Taxes and Operating Expenses per
Paragraph 4 of the Lease. 

	
8/1/03-7/31/04 
	
Sixty-three thousand five hundred and twenty-four and
no/100ths dollars ($63,524.00) per month plus Property Taxes and Operating
Expenses per Paragraph 4 of the Lease.

	
8/1/04-7/31/05 
	
Sixty-five thousand seven hundred fifty and no/100ths dollars
($65,750.00) per month plus Property Taxes and Operating Expenses per Paragraph
4 of the Lease.

	
8/1/05-1/31/06 
	
Sixty-eight thousand one hundred and twenty-five and
no/100ths dollars ($68,125.00) per month plus Property Taxes and Operating
Expenses per Paragraph 4 of the Lease.

	
 
	
 

	
322, 324, 342, 366 Lakeside Drive, Foster City, CA -
approximately 91,635 square feet:

	
2/1/02- 1/31/03:
	
Three hundred and sixty-six thousand five hundred and forty
and no/100ths dollars ($366,540.00) per month plus Property Taxes and Operating
Expenses per Paragraph 4 of the Lease

	
2/1/03-1/31/04:
	
Three hundred and seventy-nine thousand three hundred and
sixty-nine and no/100ths dollars ($379,369.00) per month plus Property Taxes and
Operating Expenses per Paragraph 4 of the Lease

	
2/1/04-1/31/05:
	
Three hundred and ninety-two thousand one hundred and ninety-
eight and no/100ths dollars ($392,198.00) per month plus Property Taxes and
Operating Expenses per Paragraph 4 of the Lease

	
2/1/05-1/31/06:
	
Four hundred and five thousand nine hundred and forty-three
and no/100ths dollars ($405,943.00) per month plus Property Taxes and Operating
Expenses per Paragraph 4 of the Lease

	
 
	
 

	Security Deposit. The Security Deposit
under the Lease shall be increased by $59,368.00 by
August 1, 2001, for a total Security Deposit of
$97,146.00.

	Tenant's Proportionate Share. Effective August 1,
2001, or upon delivery of the 14,842 square foot space at 320 Lakeside Drive,
Tenant's proportionate share shall increase to 20.48%.

	Tenant Improvements. Tenant agrees to
accept the Premises as so expanded and extended in "as is" condition.

	Notices. Tenant or Landlord may send any
notice as required by the Lease via Federal Express or similar overnight courier
service in lieu of sending notice via United States certified or registered
mail.

By virtue of this Extension and Expansion Agreement, Tenant
has exercised its second option to re-lease under Paragraph 22 of the Lease
and Paragraph 22 of the Lease shall hereafter be null and void.

All other terms and conditions of the Lease shall remain in
full force and effect and shall apply to the Premises as well as to the original
premises.

IN WITNESS WHEREOF, the parties hereto have executed this
Extension and Expansion Agreement as of this _______ day of February, 2001.

LANDLORD:

SPIEKER PROPERTIES, L.P., 

a California limited partnership

By:Spieker Properties, Inc.,

a Maryland corporation,

Its:General Partner
By:____________________________

Nancy B. Gille

Its:Vice President

TENANT:

Cell Genesys, Inc.,

a Delaware corporation
By:____________________________

Name: ________________________

Its:___________________________

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