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Exhibit 10.18(b)    
    

        Archbrook Holdings International LLC

100 Front Street, Suite 1410

West Conshohocken, PA 19428-2884  

June    , 2004 

Instant
Cash Loans Limited

c/o Dollar Financial U.K. Ltd.

Castlebridge Office Village

Kirtley Drive, Castle Marina

Nottingham, England NG7 1LD

United Kingdom

Attn: Richard Withers 

Dollar
Financial Group, Inc.

1437 Lancaster Avenue

Berwyn, PA 19312-1288

Attn: Donald F. Gayhardt 

Ladies
and Gentlemen: 

        Reference
is made to the Participation and Servicing Agreement dated as of November 15, 2002 (the "Financing Document") among Instant Cash Loans Limited ("Seller"), Archbrook
Holdings International LLC ("Purchaser") and Dollar Financial Group, Inc. ("Dollar"). All capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the
Financing Document. We, Seller and Dollar have agreed that, on the Payoff Date (as hereinafter defined), Seller (or Dollar on behalf of Seller) will repurchase from Purchaser its Participation
Interest in all Contracts (the "Repurchased Contracts") in which Purchaser owns an interest under, and otherwise repay in full all of
the obligations and liabilities (the "Obligations") of Seller to Purchaser in respect of, the Financing Document. 

        1.     This
letter will confirm that, upon receipt by Purchaser of: 

        (a)   no
later than 5:00 p.m., eastern time, on June 30, 2004, a wire transfer of immediately available funds to Purchaser in the aggregate amount of $8,380,600
(the "Payout Amount"), consisting of: 

        (i)    $8,000,000
representing the principal of the Commitment Amount outstanding under the Financing Document; 

        (ii)   $276,660
representing a prepayment penalty, and 

        (iii)  accrued
interest for the month of June 2004 in the amount of $104,000 

        (b)   a
fully-executed counterpart (which may be a facsimile) of this letter agreement signed by Seller and Dollar, 

(the
date on which all of the foregoing conditions shall first be satisfied herein called the "Payoff Date"), without further action, (i) Purchaser shall be deemed to transfer, assign, set over
and otherwise convey to Seller in respect of each of the Repurchased Contracts (1) all right, title and interest of Purchaser in such Contract and all monies due thereon or paid thereunder or
in respect thereof on or after the Payoff Date, (2) all documents and information contained in the Contract Files and the Servicing Files related to such Contract (to the extent not already in
Seller's possession), and (3) all proceeds of the foregoing, (ii) all of the Obligations shall be terminated and satisfied in full, (iii) Dollar shall be released from all of its
obligations as Master Servicer under the Financing Document and (iv),the Financing Document and any and all other representations, warranties covenants and conditions contained therein shall be deemed
terminated and of no further force and effect, except that the indemnification obligations of the parties set forth in Section 4.06 thereof shall survive termination 

 

of
the Financing Document. Upon receipt of the Payout Amount in accordance with the foregoing and satisfaction of the other conditions referred to above, Purchaser agrees to release, on and effective
from the Payoff Date, all of its security interests and liens created as security for the Obligations, including but not limited to any and all of its security interests in and liens on the
Repurchased Contracts. 

        2.     Please
transfer the Payout Amount to Wachovia National Bank, N.A., Reading (city), Pennsylvania  (state) (ABA No. 031 201
467) Account No. 2000 0096 5088 6, by wire
transfer of immediately available funds, for receipt no later than 5:00 p.m., eastern time, on the Payoff Date. 

        3.     Seller
hereby confirms that the commitments of Purchaser under the Financing Document to purchase a Participation Interest in contracts originated by or on behalf of
Seller are terminated as of the Payoff Date. 

        4.     Purchaser
will, concurrently with the satisfaction of the conditions referred to in Paragraph 1 above, execute and deliver any termination statements, lien
releases, mortgage releases, re-assignments of trademarks, discharges of security interests, and other similar discharge or release documents (and if applicable, in recordable form) as are
reasonably necessary under the laws of the United Kingdom or the United States, as applicable, to release, as of record, any and all security interests, financing statements, and any and all other
notices of security interests and liens previously filed by Purchaser with respect to the Obligations, including but not limited to any and all security interests in and liens on the Repurchased
Contracts. 

        5.     Purchaser
shall execute and deliver to or for Seller such additional documents and shall provide additional information as Seller may reasonably require to carry out the
terms of this letter agreement. 

        6.     Seller
acknowledges that the amounts referred to in Paragraph 1 above are enforceable obligations of it owed to Purchaser pursuant to the provisions of the
Financing Document and confirms its agreement to the terms and provisions of this letter by returning to Purchaser a signed counterpart 

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of
this letter. This letter may be executed by each party on a separate counterpart, each of which when so executed and delivered shall be an original, but all of which together shall constitute one
agreement. 

	 	 	 	 	Very truly yours,
	

 	
 	

 	
 	

ARCHBROOK HOLDINGS INTERNATIONAL LLC
	

 	
 	

 	
 	

By:	
 	

Archbrook Capital, LLC, its sole member
	

 	
 	

 	
 	

 	
 	

By:	
 	

    

	 	 	 	 	 	 	Name:	 	 
	 	 	 	 	 	 	Title:	 	 
	

Agreed to by the undersigned:	
 	

 	
 	

 	
 	

 
	

INSTANT CASH LOANS LIMITED	
 	

 	
 	

 	
 	

 
	

By:	
 	

    
	
 	

 	
 	

 	
 	

 
	Name:	 	 	 	 	 	 	 	 
	Title:	 	 	 	 	 	 	 	 
	

DOLLAR FINANCIAL GROUP, INC.	
 	

 	
 	

 	
 	

 
	

By:	
 	

    
	
 	

 	
 	

 	
 	

 
	Name:	 	Donald F. Gayhardt	 	 	 	 	 	 
	Title:	 	President	 	 	 	 	 	 
	

cc: Jeffrey P. Waldron, Esq.	
 	

 	
 	

 	
 	

 

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Exhibit 10.18(b)QuickLinks
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Exhibit 10.19(B)  

 
  FIRST AMENDMENT
  TO INTERCREDITOR AGREEMENT    
    

        THIS FIRST AMENDMENT TO INTERCREDITOR AGREEMENT (the "Amendment") is made and dated as of the 12th day of April, 2004 by and between WELLS FARGO BANK, NATIONAL
ASSOCIATION, a national banking association, as administrative agent (in such capacity, the "Administrative Agent") for the Lenders (as such term and other capitalized terms not otherwise defined
herein are defined in the Intercreditor Agreement referred to in Recital A below) under the Credit Facility Documents and as Bailee under the
Intercreditor Agreement, and U.S. BANK NATIONAL ASSOCIATION, a national banking association, as trustee (in such capacity, the "Noteholder Trustee") for the Noteholders. 

RECITALS  

        A.    The
Administrative Agent and the Noteholder Trustee are parties to that certain Intercreditor Agreement dated as of November 13, 2003 (as amended, extended, and
replaced from time to time, the "Intercreditor Agreement"). 

        B.    The
Company and the Parent have informed the Administrative Agent and the Lenders that the Company intends to issue an additional $20,000,000.00 in principal amount of
the Notes pursuant to the Indenture (the "2004 Add-On Notes"). 

        C.    The
Parent and the Company have asked the Administrative Agent and the Lenders to approve the issuance of the 2004 Add-On Notes and to amend the Credit
Agreement and certain of the other Credit Facility Documents in certain respects consistent with such approval. 

        D.    As
a condition precedent to the Administrative Agent and the Lenders agreement to approve the issuance of the 2004 Add-On Notes and to amend the Credit
Facility Documents to accommodate such transaction, the Administrative Agent and the Lenders require that the Intercreditor Agreement be modified in certain respects, as set forth more particularly
below. 

        NOW,
THEREFORE, in consideration of the foregoing Recitals and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto
hereby agree as follows: 

AGREEMENT  

        1.    Amendment and Other Modifications.    The parties hereto hereby agree that: 

        (a)   The
definition of the term "Noteholder Documents" set forth in Section 1 of the Intercreditor Agreement is hereby
amended to read in its entirety as follows: 

        "Noteholder Documents" means the Indenture, the Notes, the Noteholder Guarantees, the Noteholder Pledge Agreement and any other document
or instrument, whether existing or hereafter given to the Noteholder Trustee in respect of the Noteholder Obligations, as any of the same may be amended, extended or replaced from time to time and
including any now existing or hereafter arising supplement to any of the foregoing." 

        (b)   The
definition of the term "Noteholder Default" set forth in Section 1 of the Intercreditor Agreement is hereby
amended to read in its entirety as follows: 

        "'Noteholder Default' means any default under the Indenture that causes, whether automatically or by reason of the exercise of optional
acceleration, all of the Noteholder Obligations to become due and payable." 

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        (c)   The
definition of the term "Notes" as used in the Intercreditor Agreement shall be deemed to include the 2004 Add-On Notes and any other additional notes
issued pursuant to the Indenture. 

        (d)   The
definition of the term "Indenture" as used in the Intercreditor Agreement shall be deemed to include any supplemental indenture entered into in connection with the
2004 Add-On Notes and any other supplemental indentures. 

        (e)   The
definition of the term "Noteholder Obligations" as used in the Intercreditor Agreement shall be deemed to include the obligations of the Obligors with respect to the
2004 Add-On Notes and any other additional notes issued pursuant to the Indenture. 

        (f)    The
references to Section 4(d) of the Intercreditor Agreement in the definitions of the terms "Standstill Period"
and "Standstill Termination Date" set forth in Section 1 of the Intercreditor Agreement were originally intended to be and are hereinafter deemed
to be references to Section 4(c) of the Intercreditor Agreement. 

        (g)   Subsection (4)
of Section 4(c) of the Intercreditor Agreement was numbered incorrectly and is hereinafter
deemed to be subsection (3). 

        2.    Reaffirmation.    Each of the Administrative Agent, the Bailee and the Noteholder Trustee hereby affirms and
agrees that: (a) the execution and delivery by it of and the performance of its obligations under this Amendment shall not in any way amend, impair, invalidate or otherwise affect any of its
obligations under the Intercreditor Agreement except to the extent expressly amended hereby, and (b) except as expressly amended hereby, the Intercreditor Agreement remains in full force and
effect as written. 

        3.    Counterparts.    This Amendment may be executed (including by facsimile transmission) in any number of
counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same agreement. 

[Signatures
Page Following] 

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

	 	 	ADMINISTRATIVE AGENT:
	

 	
 	

WELLS FARGO BANK, NATIONAL ASSOCIATION,
	

 	
 	

as Administrative Agent for itself and for each of the Lenders
	

 	
 	

By:	
 	

/s/ Alex Y. Kim
 Alex Y. Kim, Vice President
	

 	
 	

BAILEE:
	

 	
 	

WELLS FARGO BANK, NATIONAL ASSOCIATION,
	

 	
 	

as Bailee
	

 	
 	

By:	
 	

/s/ Alex Y. Kim
 Alex Y. Kim, Vice President
	

 	
 	

NOTEHOLDER TRUSTEE:
	

 	
 	

U.S. BANK NATIONAL ASSOCIATION
	

 	
 	

as Noteholder Trustee
	

 	
 	

By:	
 	

/s/ Kathy A. Larimore

	 	 	Name:	 	Kathy A. Larimore

	 	 	Title:	 	Vice President

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ACKNOWLEDGMENT BY OBLIGORS  

        Each of the undersigned Obligors hereby acknowledges and agrees to the terms provisions contained in the foregoing Amendment and agrees to be bound by the
provisions thereof as they relate to the relative rights of the Benefited Parties. Each of the Obligors further agrees that the terms of the Intercreditor Agreement (as amended) do not give any
Obligor any substantive rights against any Benefited Party or the Bailee, and no Obligor shall use the violation of the Intercreditor Agreement (as amended) by any party as a defense to the
enforcement by any Benefited Party of any rights under the Credit Facility Documents or the Noteholder Documents. 

	 	 	DOLLAR FINANCIAL GROUP, INC.,

a New York corporation
	

 	
 	

/s/ Donald Gayhardt
 Donald Gayhardt, President and Chief Financial Officer
	

 	
 	

ANY KIND CHECK CASHING CENTERS, INC.
	

 	
 	

CASH UNLIMITED OF ARIZONA, INC.
	

 	
 	

CHECK MART OF LOUISIANA, INC.
	

 	
 	

CHECK MART OF NEW MEXICO, INC.
	

 	
 	

CHECK MART OF PENNSYLVANIA, INC.
	

 	
 	

CHECK MART OF TEXAS, INC.
	

 	
 	

CHECK MART OF WISCONSIN, INC.
	

 	
 	

DFG HOLDINGS, INC.
	

 	
 	

DFG INTERNATIONAL, INC.
	

 	
 	

DFG WORLD, INC.
	

 	
 	

DOLLAR FINANCIAL INSURANCE CORP.
	

 	
 	

FINANCIAL EXCHANGE COMPANY OF OHIO, INC.
	

 	
 	

FINANCIAL EXCHANGE COMPANY OF PENNSYLVANIA, INC.
	

 	
 	

FINANCIAL EXCHANGE COMPANY OF PITTSBURGH, INC.
	

 	
 	

FINANCIAL EXCHANGE COMPANY OF VIRGINIA, INC.
	

 	
 	

LOAN MART OF OKLAHOMA, INC.
	

 	
 	

MONETARY MANAGEMENT CORPORATION OF PENNSYLVANIA.
	

 	
 	

MONETARY MANAGEMENT OF CALIFORNIA, INC.
	

 	
 	

MONETARY MANAGEMENT OF MARYLAND, INC.
	

 	
 	

MONETARY MANAGEMENT OF NEW YORK, INC.
	

 	
 	

MONEYMART, INC.
	

 	
 	

MONEY MART EXPRESS, INC.
	

 	
 	

PACIFIC RING ENTERPRISES, INC.
	

 	
 	

PD RECOVERY, INC.
	

 	
 	

/s/ Donald Gayhardt
 Donald Gayhardt, President and Chief Financial Officer

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FIRST AMENDMENT TO INTERCREDITOR AGREEMENT

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