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FIRST AMENDMENT TO CREDIT AGREEMENT    
  

        This FIRST AMENDMENT TO CREDIT AGREEMENT (this "Amendment") dated
as of June 27, 2002, is made by and between TRANSACTION SYSTEMS ARCHITECTS, INC., a Delaware corporation
("TSA") and ACI WORLDWIDE INC., a Nebraska corporation
("ACI") (TSA and ACI are sometimes hereinafter individually and collectively referred to as the
"Borrower"), and U.S. BANK NATIONAL ASSOCIATION, a national banking association (the
"Bank"); 

        PRELIMINARY STATEMENTS.    The Borrower and the Bank have entered into the Credit Agreement dated as of June 28, 2001
(said Credit Agreement is hereinafter referred to as the "Credit Agreement"; the terms defined in the Credit Agreement are used herein as therein
defined). The Borrower and the Bank wish to amend certain provisions of the Credit Agreement. 

        NOW, THEREFORE, the Borrower and the Bank agree as follows: 

 SECTION I. AMENDMENTS.  

        A.    Amendment to Section 1.01(A) of the Credit Agreement.    Section 1.01
(A)
of the Credit Agreement is hereby amended and restated as follows: 

        (A)  Commitment. The Bank agrees, on the terms and conditions hereinafter set forth, to make advances (the
"Advances") to the Borrower from time to time during the period from the date hereof to and including June 26, 2003 (the
"Termination Date") in an aggregate amount not to exceed at any time outstanding the sum of Fifteen Million Dollars ($15,000,000) (the Bank's obligation
to make such Advances under the terms of this Agreement is hereinafter referred to as the "Commitment"). Within the limits of the Commitment, the
Borrower may borrow, repay pursuant to Section 1.04, and reborrow under this  Section 1.01(A). 

        B.    Replacement of Schedule 1.03(B) to the Credit
Agreement.    Schedule 1.03(B) to the Credit Agreement (Primary Subsidiaries) is hereby amended and replaced in its entirety with the  First Amended Schedule 1.03(B)
 attached hereto. 

        C.    Amendment to Section 1.04(B) of the Credit Agreement.    Section 1.04
(B)
of the Credit Agreement is hereby amended and restated as follows: 

        (B)  Interest Rate Options. Interest on each Advance hereunder shall accrue from the date of such Advance until such Advance
is paid in full at one of the following per annum rates selected by Borrower in the applicable Advance Request: 

        (1)  A
rate equal to the prime rate announced by the Bank from time to time, as and when such rate changes (the "Index Rate")
plus zero percent (0.00%)("Index-Based Rate"); or 

        (2)  Subject
to the advance notification requirements set forth in Section 1.02(A)(1), the 1, 2, 3 or 6 month
LIBOR rate quoted by the Bank from Telerate Page 3750 or any successor thereto (which shall be the LIBOR rate in effect two New York banking days prior to commencement of the LIBOR Rate Advance)(the
"LIBOR Rate") plus Two Percent (2.00%) (the "LIBOR-Based Rate"). 

        The
Bank's internal records of applicable interest rates shall be determinative in the absence of manifest error. Advances to which the Index-Based Rate are applicable are referred to
herein as "Index Rate Advances", and Advances to which the LIBOR-Based Rate are applicable are referred to herein as "LIBOR Rate
Advances." 

        D.    Amendment to Section 3.01(E) of the Credit Agreement.    Section 3.01
(E)
of the Credit Agreement is hereby amended and restated as follows: 

        (E)  Financial Statements. The Borrower has heretofore delivered to the Bank a copy of TSA's: (i) Annual Report on
Form 10-K for the fiscal year ended as of September 30, 2001; (ii) Quarterly Report on Form 10-Q for the quarterly periods ended December 31,
2001 and March 31, 2002 

 

(the "TSA Reports"). The financial statements contained in the TSA Reports were prepared on a consolidated basis in accordance with generally accepted
accounting principles on a basis consistent with that of the previous fiscal year or period (hereinafter, "GAAP"), except where otherwise noted in the
financial statements, and fairly reflect the financial position of the Borrower and all of its subsidiaries as of the date thereof, and the results of the respective operations for the Borrower and
its subsidiaries for the period covered thereby. Neither the Borrower nor any of its subsidiaries has any significant known contingent liabilities other than as indicated on said financial statements,
and since said date of March 31, 2002, there has been no material adverse change in the condition, financial or otherwise, of the Borrower or any of its subsidiaries. 

        E.    Amendment to Section 3.01(G) of the Credit Agreement.    Section 3.01
(G)
of the Credit Agreement is hereby amended and restated as follows: 

        (G)  Other Restrictions. Neither the Borrower nor any of its subsidiaries is a party to any agreement or instrument, or
subject to any charter or other corporate restriction, nor subject to any judgment, decree or order of any court or governmental body, which the Borrower knows or reasonably should know may have a
material and adverse effect on the business, assets, liabilities, financial condition, or operations of the Borrower or such subsidiary, or the obligations of the Borrower under the Loan Documents.
The Borrower has no, nor with reasonable diligence should have had, knowledge of or notice that the Borrower or any of its subsidiaries is in default with respect to the performance, observance or
fulfillment of any obligations, covenants or conditions contained in any agreement, instrument, charter or other corporate restriction, judgment, decree or order of any court or governmental body that
might have a material adverse impact on the Borrower or its subsidiaries. 

        In
connection with such amendment, Schedule 3.01(G) to the Credit Agreement is hereby deleted. 

        F.    Replacement of Schedule 3.01(H) to the Credit
Agreement.    Schedule 3.01(H) to the Credit Agreement (Transfers of Assets) is hereby amended and replaced in its entirety with the First Amended
Schedule 3.01(H) attached hereto. 

        G.    Replacement of Schedule 3.01(I) to the Credit
Agreement.    Schedule 3.01(I) to the Credit Agreement is (Pending Litigation) hereby amended and replaced in its entirety with the  First Amended Schedule 3.01(I)
 attached hereto. 

        H.    Amendment to Section 4.01(D)(4) of the Credit
Agreement.    Section 4.01(D)(4) of the Credit Agreement is hereby amended and restated as follows: 

        (4)  as
soon as available and in any event within thirty (30) days after each Quarterly Payment Date, unless requested more often by the Bank, a duly completed report
(a "Quarterly Report"), in substantially the form attached to this Amendment as Exhibit A. The
Borrower shall also deliver to the
Bank within thirty (30) days of the Bank's request therefor (or within fifteen (15) days of the Bank's request if there exists an Event of Default), a duly completed Borrowing Base
Certificate setting forth the Borrowing Base as of the date such Borrowing Base Certificate is requested by the Bank; provided,  however, that the Bank
agrees that it shall not request a Borrowing Base Certificate more frequently than once per quarter unless there exists an Event
of Default. 

        I.    Amendment to Sections 4.01(E) and (F) of the Credit Agreement.    Sections
4.01(E) and (F) of the Credit Agreement is hereby amended and restated as follows: 

        (E)  Net Worth. Maintain at all times a Consolidated Tangible Net Worth of not less than $145,000,000.
"Consolidated Tangible Net Worth" means the total stockholders' equity of the Borrower and the Primary Subsidiaries, minus the amount of all
intangibles, and excluding"accumulated other comprehensive income," all as determined in accordance with GAAP. 

2

 

        (F)  Working Capital. Maintain at all times a minimum Consolidated Working Capital of $67,000,000.
"Consolidated Working Capital" means the excess of current assets of the Borrower and the Primary Subsidiaries over current liabilities of the Borrower
and the Primary Subsidiaries, current assets and current liabilities each to be determined in accordance with GAAP. 

        J.    Amendment to Section 4.02(C) of the Credit Agreement.    Section 4.02
(C)
of the Credit Agreement is hereby amended and restated as follows: 

        (C)  Debt. Create, incur, assume or permit to exist any Debt or any other liabilities or obligations, whether matured or
unmatured, liquidated or unliquidated, direct or contingent, joint or several, except (1) the liabilities of the Borrower to the Bank for money borrowed hereunder, (2) those trade
payables incurred in the ordinary course of business, (3) unsecured indebtedness of the Borrower and its subsidiaries in amounts not exceeding $7,000,000 in the aggregate, and (4) those
obligations set forth on Schedule 4.02(D). 

        In
connection with such amendment, Schedule 4.02(D) to the Credit Agreement (Permitted Indebtedness) is hereby amended and replaced in its entirety with the  First Amended Schedule 4.02(D)
attached hereto. 

        K.    Amendment to Section 4.02(F) of the Credit Agreement.    Section 4.02
(F)
of the Credit Agreement is hereby amended and restated as follows: 

        (F)  Change in Management. Change the current management of TSA or ACI, which the Borrower represents to the Bank to be as
follows: 

	TSA:	 	Chairman—Gregory J. Duman

Chief Executive Officer/President—Gregory J. Derkacht

Chief Financial Officer—Dwight G. Hanson
	

ACI:	
 	

President—Mark R. Vipond

Treasurer—Dwight G. Hanson

        L.    Amendment to Section 4.02(I) of the Credit
Agreement.    Section 4.02(I) of the Credit Agreement is hereby amended and restated as follows: 

        (I)  Loans, Advances, Investments. Without the Bank's prior written consent (which consent shall not be unreasonably withheld
or delayed), make any loans or advances to or investment in any person or entity, other than: (1) trade accounts receivable generated in the ordinary course of business, (2) loans made
pursuant those existing commitments described in Schedule 4.02(J) attached hereto, and (3) loans or advances which do not exceed, in the aggregate, the sum of $2,000,000. 

        In
connection with such amendment, Schedule 4.02(J) to the Credit Agreement (Permitted Loans) is hereby amended and replaced in its entirety with the attached  First Amended Schedule 4.02(J).

        SECTION 2. FEE.    The Borrower shall continue to pay to the Bank all fees and other sums to be paid under the Credit Agreement,
as amended hereby. No additional fees shall be due as a result of the execution and delivery of this Amendment. 

        SECTION 3. EFFECTIVENESS.    This Amendment shall become effective when and only when the Bank shall have received: 

        (a)  counterparts
of this Amendment duly executed by the Borrower and the Bank; 

        (b)  the
fee, if any, required under Section 2 of this Amendment, and all other fees, if any, then due under the terms of the Credit Agreement; 

3

 

        (c)  the
Amended and Restated Promissory Note in the form attached hereto as Exhibit B (the
"Amended Note"); 

        (d)  resolutions
of the Borrower authorizing the execution, delivery and performance of the Credit Agreement, as amended by this Amendment, the Amended Note, the Loan
Documents and all other related documents; 

        (e)  an
opinion of the Borrower's counsel, substantially in the form attached hereto as Exhibit C, as to the matters
set forth therein and such other matters as reasonably requested by the Bank; and 

        (f)    evidence
satisfactory to the Bank that all conditions set forth in Article II of the Credit Agreement have been and continue to be satisfied, and 

        (g)  evidence
satisfactory to the Bank that all other actions necessary or, in the opinion of the Bank, desirable to perfect and protect the lien and security interests
created by the Credit Agreement, as amended by this Amendment, and the other Loan Documents have been taken. 

        SECTION 4. REPRESENTATIONS AND WARRANTIES OF BORROWER.    The Borrower represents and warrants to the Bank as follows: 

        (a)  The
Borrower is a corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation. 

        (b)  The
execution, delivery and performance by the Borrower of this Amendment or the Credit Agreement, as amended hereby, and the Amended Note are within the Borrower's
corporate powers, have been duly authorized by all necessary corporate action and do not contravene (i) the Borrower's articles of incorporation or bylaws, or (ii) law or any contractual
restriction binding on or affecting the Borrower, or result in, or require, the creation of any lien, security interest or other charge or encumbrance upon or with respect to any of the Borrower's
properties. 

        (c)  No
authorization, approval or other action by, and no notice to or filing with, any governmental authority or regulatory body is required for the due execution, delivery
and performance by the Borrower of this Amendment, the Credit Agreement, as amended hereby, the other Loan Documents or the Amended Note. 

        (d)  This
Amendment, the Credit Agreement, as amended hereby, the other Loan Documents and the Amended Note constitute legal, valid and binding obligations of the Borrower
enforceable against Borrower in accordance with their respective terms. 

        (e)  There
is no pending or threatened action or proceeding affecting the Borrower or any of the Guarantors before any court, governmental agency or arbitrator, which may
materially adversely affect the financial condition or operations of the Borrower or the Guarantors or their abilities to perform their respective obligations under the Credit Agreement, as amended
hereby, the Amended Note, and the other Loan Documents. 

        (f)    No
Event of Default listed in Section 5.01 of the Credit Agreement has occurred and is continuing, nor has any event, fact or circumstance occurred which could,
with the passage of time or the giving of notice or both, constitute an Event of Default. 

        (g)  All
representations and warranties of the Borrower set forth in the Credit Agreement (as amended hereby) are true and correct as of the date of this Amendment. 

4

 

        SECTION 5. REFERENCE TO AND EFFECT ON CREDIT AGREEMENT AND OTHER LOAN DOCUMENTS.

        (a)  on
and after the date hereof, each reference in the Credit Agreement to "this Agreement", "hereunder" "hereof", "herein" or words of like import shall mean and be a
reference to the Credit Agreement as amended hereby. 

        (b)  Except
as specifically amended above, the Credit Agreement and all other Loan Documents (including all representations, warranties, covenants and agreements therein)
shall remain in full force and effect and are hereby ratified, confirmed and restated as of the date of this Amendment. 

        (c)  The
execution, delivery and effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of the Bank
under the Credit Agreement, nor constitute a waiver of any provision of the Credit Agreement. 

        (d)  The
failure of the Borrower to comply with the terms and provisions of this Amendment shall constitute an Event of Default under the Credit Agreement. 

        SECTION 6. FINANCING STATEMENTS.    The Borrower hereby authorizes the Lender or its designee to prepare and file all financing
statements necessary or appropriate to perfect and/or continue the security interests created pursuant to the Credit Agreement and the other Loan Documents. 

        SECTION 7. COUNTERPARTS.    This Amendment may be executed in any number of counterparts, each of which when so executed and
delivered shall be deemed to be an original and all of which taken together shall constitute but one and the same instrument. 

        SECTION 8. GOVERNING LAW.    This Amendment shall be governed by, and construed in accordance with, the laws of the State of
Nebraska, without regard to its principles of conflict laws. 

        SECTION 9. COSTS AND EXPENSES.    The Borrower agrees to pay on demand all costs and expenses in connection with the
preparation, execution, delivery and administration of this Amendment, including, without limitation, the reasonable fees and out-of-pocket expenses of counsel for the Bank
(who may be in-house counsel for the Bank), and local counsel who may be retained by said counsel, with respect thereto and with respect to advising the Bank as to their rights and
responsibilities under this Amendment. 

5

 

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

	BORROWER:	 	TRANSACTION SYSTEMS ARCHITECTS,

INC., a Delaware corporation
	

 	
 	

By:	
 	

 Dwight G. Hanson, Senior Vice

President and Chief Financial Officer
	

 	
 	
ACI WORLDWIDE INC.,

a Nebraska corporation
	

 	
 	

By:	
 	

 Dwight G. Hanson, Treasurer
	
BANK:	
 	

U.S. BANK NATIONAL ASSOCIATION,

a national banking association
	

 	
 	

By:	
 	

 Kevin D. Munro, Vice President

6

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EXHIBIT 10.4    
  

June 6,
2002 

John
M. Ingram

c/o Ingram Realty Advisors

600 Unicorn Park Drive

Woburn, MA 01801 

Re:
Consulting Services 

Dear
John: 

        This
letter (the "Agreement") confirms the terms and conditions under which you have agreed to perform consulting services for The Mills Corporation and its affiliates (collectively, the
"Company"). 

        1.    Scope of Work.    Under this Agreement, you will provide consulting services to the Company with respect to such
development, leasing and other transactions as may be assigned to you from time to time. We envision that in some instances you will take a primary role in negotiating business deals on behalf of the
Company. In other instances, your role will be more secondary in nature, consisting primarily of reviewing drafts of transaction documents and advising the Company on business terms, strategies, etc.
In this regard, we anticipate that your efforts will be focused on areas including (a) assessing opportunities for the Company in the Boston region; (b) assisting with the evaluation of
pre-development sites in other areas of the United States; (c) aiding in the development of relationships with department stores and the periodic review of those relationships; and,
(d) the development of relationships and potential negotiations of agreements with major retailers in Europe. We envision that the services you perform on behalf of the Company will require, on
average, approximately 25% of normal business hours. In performing your services under this Agreement, you will, of course, be interacting with various business executives and attorneys of the
Company. Your services should be coordinated with James F. Dausch, the Company's Senior Executive Vice President-Development (as to development matters) and Judith S. Berson, Executive Vice
President-Leasing (as to leasing matters). They will assist you in prioritizing the various projects that may be assigned to you from time to time. 

        2.    Term.    The term of this Agreement shall be for eighteen (18) months, beginning as of June 1,
2002. At the conclusion of the term, we will meet to explore whether an extension of the term of this agreement will be mutually acceptable. Either party may terminate this Agreement for its own
convenience at any time, with or without cause, by giving thirty (30) days written notice to the other party. 

        3.    Independent Contractor Relationship.    You will be an independent contractor and not an employee of the
Company. Neither you nor the Company shall represent directly or indirectly that you have authority to bind the Company, or to incur any liabilities or obligations of any kind in the name of or on
behalf of the Company. You shall not assign or subcontract any of your obligations hereunder without prior written consent of the Company. 

        4.    Payment for Services.    The Company will pay you for services rendered pursuant to this Agreement a fee (the
"Fee") which shall be calculated and payable as follows: the Company shall pay you a monthly guaranteed draw (the "Draw"), payable on the first business
day of each month, in the amount of $15,000 per payment with respect to services performed during the preceding month. Fees payable pursuant to this Agreement will be in addition to, and not in lieu
of, fees that you earn in your capacity as a director of the Company. 

        5.    Expense Reimbursement.    The Company will reimburse you for reasonable and pre-authorized travel
expenses for purposes of face-to-face client meetings. Such reimbursement shall be made in accordance with and subject to the Company's standard policies concerning
reimbursable expenses. 

        6.    Tax Treatment.    You and the Company agree that the Company will treat you as an independent contractor for
purposes of all tax laws (local, state and federal) and file forms consistent with that status. As an independent contractor, you acknowledge that you will not be entitled to receive unemployment
benefits in the event this Agreement terminates, or workers' compensation benefits in the event that you are injured in any manner while performing obligations under this Agreement. You will be solely
responsible to pay any and all local, state, and/or federal income, and social security and unemployment taxes. The Company will provide you with a Form 1099 to the extent required by law. 

        7.    Changes.    This Agreement shall not be changed, modified, supplemented or amended except by express written
agreement signed by you and the Company. 

        8.    Burden and Benefit.    This Agreement shall be binding upon, and shall inure to the benefit of, the Company, its
successors and assigns, and you and your heirs. The Company shall have the right to
assign its rights hereunder to any successor in interest, whether by merger, consolidation, sale of assets, or otherwise. 

        9.    No Waiver.    The failure of either party to execute a right or to require performance by the other party of any
part of this Agreement shall not affect the full right to exercise such right or to require such performance at any time thereafter, nor shall the waiver by either party of a breach of any provision
of this Agreement constitute a waiver of any later breach of the same or any other provision. 

        10.    Complete Agreement.    This Agreement is the complete and exclusive statement of the Agreement between the
parties and supersedes any and all prior or contemporaneous representations, communications and contractual agreements relating to the subject matter of this Agreement, whether written or oral. 

        11.    Applicable Law.    This Agreement shall be governed by and construed in accordance with the laws of the
Commonwealth of Virginia without regard to the conflict of laws provisions thereof. 

        12.    Severability.    The provisions of this Agreement shall be deemed severable, and the invalidity or
unenforceability of any one or more of the provisions hereof shall not affect the validity or enforceability of any one or more of the other provisions hereof. 

        13.    Notices.    All notices, demands, requests or other instruments which may be or are required to be given
hereunder shall be in writing and sent to you or the Company to the addresses set forth in this Article, by hand delivery, via facsimile, certified mail-return receipt requested, or via
overnight courier, and shall be deemed sufficient notice and demand in any case arising under this Agreement. Each party may give notice to the other party of a change of its address for the purposes
of giving notice under this paragraph which thereafter, until changed by a like notice, shall be the address of such party for all purposes of this Agreement. 

	 	 	Client:	 	The Mills Corporation

Attn.: General Counsel

1300 Wilson Blvd.

Suite 400

Arlington, VA 22209

Telephone: 703-526-5155

Facsimile: 703-526-5298
	

 	
 	

Consultant:	
 	

John M. Ingram

c/o Ingram Realty Advisors

600 Unicorn Park Drive

Woburn, MA 01801

Telephone: 781-938-4460

Facsimile: 781-932-3092

        Please
confirm your agreement to the foregoing matters by signing and returning a copy of this letter. We look forward to working with you. 

	 	 	Very truly yours,
	

 	
 	
THE MILLS CORPORATION
	

 	
 	

By:	
 	

/s/  LAURENCE C. SIEGEL      
 Laurence C. Siegel

Chairman and Chief Executive Officer
	

 	
 	

 	
 	

 
	CONFIRMED AND AGREED:	 	 	 	 
	

/s/  JOHN M. INGRAM      
 John M. Ingram

	
 	

 	
 	

 

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EXHIBIT 10.4

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