Document:

Prepared by R.R. Donnelley Financial -- AMENDED PROMISSORY NOTE

  
 Exhibit 10.16 (a) 
  
  
 July 26, 2002 
  
 Mr. Robert Hillier 
 Hughes Supply, Inc. 
 20 N. Orange Ave., Suite 510 
 Orlando, FL
32801 
  
 Dear Robert: 
  
 This letter serves as official notice that as of July 25, 2002, the maturity date of the $10,000,000 Swing Line provided by SunTrust Bank, Inc. (the Bank) is extended to June 30, 2003. Concurrently,
the $15,000,000 Guidance Line provided by the Bank has also been extended to June 30, 2003, with these funds now being appropriated to a split-trac operating lease agreement. 
  
 According to the Swing Line and Guidance Line Notes, the Bank may extend the Notes in writing and at its sole discretion. 
  
 If you should have any questions or need assistance please call me at (407) 237-4752. 
  
  
 Sincerely, 
  
 Sarah D. Hudson 
 Associate 
 SunTrust Bank, Inc.Prepared by R.R. Donnelley Financial -- First Loan Modification Agreement

  
 EXHIBIT 10.1 
  
 FIRST LOAN MODIFICATION AGREEMENT 
  
 This First Loan Modification Agreement is entered into as of September 12, 2002, by and between Optio Software, Inc. (“Borrower”) and Silicon Valley Bank (“Bank”). 
  
 1.    DESCRIPTION OF EXISTING INDEBTEDNESS:    Among other indebtedness which may be owing by Borrower to Bank,
Borrower is indebted to Bank pursuant to, among other documents, a Loan and Security Agreement, dated April 25, 2002, as may be amended from time to time, (the “Loan Agreement”). The Loan Agreement provides for, among other things, a
Committed Revolving Line in the amount of Five Million Dollars ($5,000,000). Defined terms used but not otherwise defined herein shall have the same meanings as in the Loan Agreement. 
  
 Hereinafter, all indebtedness owing by Borrower to Bank shall be referred to as the “Indebtedness.” 
  
 2.     DESCRIPTION OF COLLATERAL AND GUARANTIES.    Repayment of the Indebtedness is secured by the Collateral as described in the Loan Agreement. 
  
 Hereinafter, the above-described security documents and guaranties, together with all other documents securing repayment of the Indebtedness shall be referred to
as the “Security Documents”. Hereinafter, the Security Documents, together with all other documents evidencing or securing the Indebtedness shall be referred to as the “Existing Loan Documents”. 
  
 3.    DESCRIPTION OF CHANGE IN TERMS. 
  
 A.    The definition of “Tangible Net Worth” in Section 13.1 of the Loan Agreement shall be amended to read as follows:

  
 “Tangible Net Worth” is, on any date, Stockholder’s Equity plus (i) non-cash
charges arising from Borrower’s investment in ecIndx, Inc. in the amount of $2,209,283, minus (ii) any amounts attributable to (a) goodwill, (b) intangible items such as unamortized debt discount and expense, Intellectual Property
and research and development expenses except prepaid expenses, and (c) reserves not already deducted from assets. 
  
 4.    CONSISTENT CHANGES.    The Existing Loan Documents are hereby amended wherever necessary to reflect the changes described above. 
  
 5.    NO DEFENSES OF BORROWER.    Borrower agrees that, as of the date hereof, it has no defenses against the
obligations to pay any amounts under the Indebtedness. 
  
 6.    CONTINUING
VALIDITY.    Borrower understands and agrees that in modifying the existing Indebtedness, Bank is relying upon Borrower’s representations, warranties, and agreements, as set forth in the Existing Loan Documents. Except
as expressly modified pursuant to this Loan Modification Agreement, the terms of the Existing Loan Documents remain unchanged and in full force and effect. Bank’s agreement to modifications to the existing Indebtedness pursuant to this Loan
Modification Agreement in no way shall obligate Bank to make any future modifications to the Indebtedness. Nothing in this Loan Modification Agreement shall constitute a satisfaction of the Indebtedness. It is the intention of Bank and Borrower to
retain as liable parties all makers and endorsers of Existing Loan Documents, unless the party is expressly released by Bank in writing. No maker, endorser, or guarantor will be released by virtue of this Loan Modification Agreement. The terms of
this paragraph apply not only to this Loan Modification Agreement, but also to all subsequent loan modification agreements. 
  
 7.    CONDITIONS.    The effectiveness of this Loan Modification Agreement is conditioned upon the following: 
  
 A.    Bank’s receipt of this First Loan Modification duly executed by the Borrower; and 
 B.    Bank’s receipt of payment of the Legal Documentation Fees. 
 

  
 This Loan Modification Agreement is executed as of the date first written above. 

 
 
	 BORROWER:
  
 OPTIO SOFTWARE, INC.
 	 	  	 	 BANK:
  
 SILICON VALLEY BANK
 
	 
	 By:
 	 	 /s/    Harvey A. Wagner        
 
	 	  	 	 By:
 	 	 /s/    Alan P. Spurgin        
 

	  	 	 Name:    Harvey A. Wagner
 Title:    Chief
Financial Officer
 	 	  	 	  	 	 Name:    Alan P. Spurgin
 Title:    Senior
Vice President<PAGE>
                                                                    EXHIBIT 10.1

                    TENTH AMENDMENT TO AMENDED AND RESTATED
                        REVOLVING CREDIT, TERM LOAN AND
                           GOLD CONSIGNMENT AGREEMENT

     Tenth Amendment, dated as of June 30, 2002 (the "Amendment"), amending that
certain Amended and Restated Revolving Credit, Term Loan and Gold Consignment
Agreement dated as of September 10, 1998 (as amended and in effect from time to
time, the "Credit Agreement"), by and among (a) Whitehall Jewellers, Inc. (f/k/a
Marks Bros. Jewelers, Inc.), a Delaware corporation (the "Borrower"); (b) Fleet
Capital Corporation, LaSalle Bank National Association (f/k/a LaSalle National
Bank), ABN AMRO Bank N.V. and the other lending institutions which are now
parties thereto (collectively, the "Banks"); and (c) Fleet Capital Corporation,
as Collateral Agent, Administrative Agent and Syndication Agent for the Agents
as herein defined and the Banks and LaSalle Bank National Association and ABN
AMRO Bank N.V., each as Syndication Agent for the Agents and the Banks (the
Collateral Agent, Administrative Agent and Syndication Agents are collectively
referred to as the "Agents"). Capitalized terms used herein and which are not
otherwise defined shall have the respective meanings ascribed thereto in the
Credit Agreement.

     WHEREAS, the Borrower and the Banks have agreed to modify certain terms and
conditions of the Credit Agreement as specifically set forth in this Amendment;

     NOW, THEREFORE, in consideration of the premises and the mutual agreements
contained herein and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

     SS.1.  AMENDMENTS TO CREDIT AGREEMENT.

     (a)    Section 1.1 of the Credit Agreement is hereby amended by inserting
the following new definition in the appropriate alphabetical sequence:

     "Applicable Availability Amount. For any month ending during any period
set forth in the table below, the amount set forth opposite such period in such
table:

-----------------------------------------------------------------
                  Month                          Amount
                  -----                          ------
-----------------------------------------------------------------
      January 1 through January 31            $50,000,000
-----------------------------------------------------------------
    February 1 through February 28/29         $35,000,000
-----------------------------------------------------------------
        March 1 through March 31              $30,000,000
-----------------------------------------------------------------
         April 1 through May 31               $25,000,000
-----------------------------------------------------------------
         June 1 through June 30               $20,000,000
-----------------------------------------------------------------
       July 1 through September 30            $15,000,000
-----------------------------------------------------------------
      October 1 through October 31            $20,000,000
-----------------------------------------------------------------
     November 1 through November 30           $25,000,000
-----------------------------------------------------------------
     December 1 through December 31           $45,000,000
-----------------------------------------------------------------"
<PAGE>
                                      -2-

     (b)   Section 11.4 of the Credit Agreement is hereby amended by restating
it in its entirety as follows:

           "11.4  DISTRIBUTIONS. The Borrower will not make any Distributions,
     except for:

                 (a) repurchases of the Borrower's Class B common stock in an
           aggregate amount not to exceed $150,000 for all such repurchases;

                 (b) repurchases of its common stock in an aggregate amount not
           to exceed $22,500,000, provided that such repurchases shall only be
           permitted so long as (i) no Default or Event of Default has occurred
           or is continuing or would result after giving effect to such
           repurchase, and (ii) the Borrower can demonstrate availability
           (based at the option of the Borrower on either the Borrowing Base
           Report most recently delivered to the Banks pursuant to Section
           10.4(f) hereof or an updated Borrowing Base Report since such date)
           after giving effect to such repurchase, in excess of the Applicable
           Availability Amount, provided, further, that upon the request of the
           Administrative Agent or the Majority Banks, the Borrower shall
           deliver an updated Borrowing Base Report within three (3) Business
           Days of such request evidencing compliance with the Applicable
           Availability Amount; and

                 (c) in the event that such repurchase would not otherwise be
           permitted by clause (b) above, repurchases of its common stock in an
           aggregate amount not to exceed $2,500,000, provided that such
           repurchases shall only be permitted so long as no Default or Event of
           Default has occurred or is continuing or would result after giving
           effect to such repurchase."

     SS.2. CONDITIONS TO EFFECTIVENESS. This Amendment shall not become
effective until the Administrative Agent receives a counterpart of this
Amendment, executed by each of the Borrower, the Agents and the Majority Banks.

     SS.3. REPRESENTATIONS AND WARRANTIES. The representations and warranties
of the Borrower contained in the Credit Agreement (including, without
limitation, the representation regarding litigation contained in Section 9.7
thereof) were true and correct when made and continue to be true and correct on
and as of the date hereof as if made on the date hereof except to the extent of
changes resulting from transactions contemplated or permitted by the Credit
Agreement and to the extent that such representations and warranties relate
expressly to an earlier date. No Default or Event of Default has occurred and
is continuing.

     SS.4. RATIFICATION, ETC. Except as expressly amended hereby, the Credit
Agreement and all documents, instruments and agreements related thereto,
including,

<PAGE>
                                      -3-

but not limited to the Security Documents, are hereby ratified and confirmed in
all respects and shall continue in full force and effect. The Credit Agreement
and this Amendment shall be read and construed as a single agreement. All
references in the Credit Agreement or any related agreement or instrument to the
Credit Agreement shall hereafter refer to the Credit Agreement as amended
hereby.

     SS.5. NO WAIVER. Nothing contained herein shall constitute a waiver of,
impair or otherwise affect any Obligations, any other obligation of the Borrower
or any rights of the Agents or the Banks consequent thereon.

     SS.6. COUNTERPARTS. This Amendment may be executed in one or more
counterparts, each of which shall be deemed an original but which together shall
constitute one and the same instrument.

     SS.7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS (WITHOUT
REFERENCE TO CONFLICT OF LAWS).

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed this Tenth Amendment
as a document under seal as of the date first above written.

                                      WHITEHALL JEWELLERS, INC. (f/k/a Marks
                                      Bros. Jewelers, Inc.)

                                      By: /s/ JON H. BROWNE
                                          ----------------------------------
                                          Name:  Jon H. Browne
                                          Title: Executive Vice President

                                      FLEET CAPITAL CORPORATION, individually
                                      and as Administrative Agent, as Collateral
                                      Agent and as Syndication Agent

                                      By:  /s/ ARTHUR A. PESAVENTO
                                          ----------------------------------
                                          Name:  Arthur A. Pesavento
                                          Title: Vice President

                                      LASALLE BANK NATIONAL ASSOCIATION,
                                      individually and as Syndication Agent

                                      By:  /s/ BERNARDO LACAYO
                                          ----------------------------------
                                          Name:  Bernardo Lacayo
                                          Title: Vice President

                                      ABN AMRO BANK N.V., individually and as
                                      Syndication Agent

                                      By:  /s/ JEFFERY SARFATY
                                          ----------------------------------
                                          Name:  Jeffery Sarfaty
                                          Title: Vice President

                                      By:  /s/ NED KOPPELSON
                                          ----------------------------------
                                          Name:  Ned Koppelson
                                          Title: Vice President

<PAGE>
                                      JP MORGAN CHASE BANK

                                      By:  /s/ MICHAEL W. STEVENSON
                                          ----------------------------------
                                          Name:  Michael W. Stevenson
                                          Title: Vice President

                                      BANK OF AMERICA, N.A.

                                      By:  /s/ JACKIE TATAKIS
                                          ----------------------------------
                                          Name:  Jackie Tatakis
                                          Title: Senior Vice President

                                      SOVEREIGN BANK NEW ENGLAND

                                      By:  /s/ IRENE A. OGAREK
                                          ----------------------------------
                                          Name:  Irene A. Ogarek
                                          Title: Vice President

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