Document:

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                                                                  EXHIBIT 10.13

June 1, 1999

Dennis H. Nelson, President  & CEO
The Buckle, Inc.
2407 West 24th Street
P.O. Box 1480
Kearney, NE  68848-1480

Dear Dennis:

Our bank is pleased to issue a renewal loan commitment to your Company effective
on the expiration of our existing loan commitment on May 31, 1999. The purpose
of this loan commitment is to provide your Company with the funds for your
financing needs required for this operating year, subject to the following terms
and conditions:

      1)    An unsecured operating line of credit in the amount of $5,000,000.00
            available for your use until the loan expiration date of May 31,
            2000, at which time it will be subject to annual renewal, as has
            been the case in previous years.

      2)    The interest rate charged on the unsecured operating line of credit
            will be the National Prime Rate as published in the "Wall Street
            Journal" date of change. Interest will be billed and payable monthly
            on the unsecured line of credit.

      3)    A $5,000,000.00 irrevocable commercial letter of credit line.

      4)    The Company agrees to provide the bank with quarterly financial
            statements consisting of a balance sheet and income statement, and
            to provide the bank with an annual fiscal year- end audited
            financial statement.

Congratulations on your outstanding financial performance in both growth and
profitability this past year. We appreciate this opportunity to be able to
assist your fine Company with this financing package in support of your growth
objectives. If the terms and conditions of this loan commitment are satisfactory
to you, please acknowledge your acceptance by signing the following
Acknowledgment and returning it to my attention in the postage-paid return
envelope I have provided for your convenience.

Thank you very much.

Sincerely yours,

LARRY L. JEPSON

Larry L. Jepson
Chairman & CEO

                                 ACKNOWLEDGMENT
The Undersigned acknowledges and accepts this loan commitment with attendant
terms and conditions as stated, this 1st day of June, 1999.

         THE BUCKLE, INC.

BY:  DENNIS NELSON, PRESIDENT & CEO                  June 1, 1999
     ------------------------------                  ------------
     Dennis Nelson, President & CEO                      Date

                                       30<PAGE>   1
                                 THIRD AMENDMENT

                                     TO THE

                       AMENDED AND RESTATED LOAN AGREEMENT

         This THIRD Amendment to the AMENDED AND RESTATED LOAN AGREEMENT (this
"THIRD AMENDMENT"), dated as of March 1, 2000, is by and between POWER TEST
REALTY COMPANY LIMITED PARTNERSHIP, a New York limited partnership having its
principal office at 125 Jericho Turnpike, Jericho, New York 11753 (the
"BORROWER") and FLEET NATIONAL BANK (successor in interest to Fleet Bank of
Massachusetts, N.A.), a national banking association having its principal place
of business at 100 Federal Street, Boston, Massachusetts 02110 (the "BANK").

         WHEREAS, the Borrower and the Bank are parties to that certain Amended
and Restated Loan Agreement, dated as of October 31, 1995, as amended by that
certain First Amendment to the Amended and Restated Loan Agreement, dated as of
April 18, 1997, as further amended by that certain Second Amendment to the
Amended and Restated Loan Agreement dated as of January 30, 1998 (as so amended,
the "LOAN AGREEMENT"), pursuant to which the Bank, upon certain terms and
conditions, has made a loan to the Borrower;

         WHEREAS, the Borrower has requested that certain provisions of the Loan
Agreement be amended in order, among other things, to extend the term of the
loan; and

         WHEREAS, the Bank, subject to the terms and provisions hereof, has
agreed to amend the Loan Agreement in order to provide for the foregoing
matters;

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

         SECTION 1. DEFINED TERMS. Capitalized terms used in this Third
Amendment without definition that are defined in the Loan Agreement shall have
the meanings set forth in the Loan Agreement.

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                                      -2-

         SECTION 2. AMENDMENT TO LOAN AGREEMENT. Subject to the satisfaction of
the conditions precedent set forth in Section 5 hereof, the Loan Agreement is
hereby amended as follows:

                    SECTION 2.1. The following definitions are hereby added to
         Section 1 of the Loan Agreement in the proper alphabetical order:

                                 Primary Stations means those Stations located
                    in Delaware, Pennsylvania and New York and set forth in
                    Schedule PS hereto.

                                 Second Amended Master Note has the meaning set
                    forth in Section 2.2 hereof.

                                 Secondary Stations means those Stations which
                    are not Primary Stations, as set forth in Schedule SS
                    hereto.

                                 Updated Appraisal Report, an appraisal report
                    of Akerson & Wiley to the Bank dated February 16, 2000

                                 Updated Appraised Value, with respect to any
                    Station, means the appraised value of such Station as set
                    forth in the Updated Appraisal Report

                    SECTION 2.2. The definitions of Marketing and Master Note in
         Section 1 of the Loan Agreement are hereby deleted in their entirety.

                    SECTION 2.3. All references in the Loan Agreement to the
         "Master Note" shall be deemed to be references to the "Second Amended
         Master Note."

                    SECTION 2.4. The definition of Funded Debt to EBITDA Ratio
         is hereby deleted in its entirety and the following definition is
         substituted in place thereof:

                                 Funded Debt to EBITDA Ratio means the ratio of
                    (i) Realty's funded indebtedness for borrowed money
                    (including obligations with respect to leases which would be
                    capitalized) as carried on the consolidated balance sheet of
                    Realty in accordance with generally accepted accounting
                    principles, other than trade debt or similar obligations
                    incurred in the ordinary course of business, on the last day
                    of each fiscal quarter to (ii) Realty's Earnings Before
                    Interest, Taxes, Depreciation and Amortization, for the
                    period of four

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                    consecutive fiscal quarters, ending on the last day of the
                    fiscal quarter referred to in clause (i) above.

                    SECTION 2.5. All references to "Marketing" in the Loan
         Agreement are hereby deleted. In addition, Exhibit F to the Loan
         Agreement (Master Lease Agreement with Marketing) is hereby deleted.

                    SECTION 2.6. In the definition of Loan in Section 1 of the
         Loan Agreement, the amount "$31,844,998.23" is hereby deleted and the
         amount "$22,619,574.61" is substituted in place thereof.

                    SECTION 2.7. In the definition of Maturity Date in Section 1
         of the Loan Agreement, the date "November 1, 2000" is hereby deleted
         and the date "March 1, 2005" is substituted in place thereof.

                    SECTION 2.8. In Section 2.1 of the Loan Agreement, the
         amount "$31,844,998.23" is hereby deleted and the amount
         "$22,619,574.61" is substituted in place thereof.

                    SECTION 2.9. Section 2.2 of the Loan Agreement is hereby
         deleted in its entirety and the following provision is substituted in
         place thereof:

                                 SECTION 2.2 The Master Note. The Loan shall be
                    evidenced by the Second Amended and Restated Master Note of
                    the Borrower in the principal amount of $22,619,574.61 dated
                    as of the date hereof (the "Second Amended Master Note").

                    SECTION 2.10. Section 2.3(b) of the Loan Agreement is hereby
         amended by deleting the table set forth therein in its entirety and
         replacing it with the following new table:

          FUNDED DEBT TO EBITDA RATIO              INTEREST RATE
          ---------------------------              -------------

          .50x or less to 1                        LIBOR Rate + 0.750%
          .51x - .75x to 1                         LIBOR Rate + 0.875%
          .76x - 1.00x to 1                        LIBOR Rate + 1.000%
          1.01x - 1.24x to 1                       LIBOR Rate + 1.125%
          1.25x - 1.49x to 1                       LIBOR Rate + 1.250%
          1.50x - 1.74x to 1                       LIBOR Rate + 1.375%
          1.75x - 1.99x to 1                       LIBOR Rate + 1.500%
          2.00x - 2.49x to 1                       LIBOR Rate + 1.625%
          2.50x or greater to 1                    LIBOR Rate + 1.750%

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                  SECTION 2.11. Section 2.4 of the Loan Agreement is hereby
         deleted in its entirety and the following provision is substituted in
         place thereof:

                                SECTION 2.4 Repayment of Principal. The
                  principal amount of the Loan shall be repaid in fifty-nine
                  (59) consecutive monthly installments payable on the first day
                  of each calendar month of each calendar year, commencing on
                  April 1, 2000 to and including February 1, 2005, in the amount
                  of $175,000 monthly, with the Balloon Payment of
                  $12,294,574.61 due on the Maturity Date (as reduced by any
                  prepayments of principal by the Borrower).

                                The entire principal amount of the Loan
                  outstanding after the payment scheduled to be made on February
                  1, 2005, as reduced by any prepayments of principal by the
                  Borrower, together with all accrued interest and any other
                  amounts owing to the Bank by the Borrower in connection with
                  the Loan, shall be paid in full on the Maturity Date (the
                  "Balloon Payment").

                  SECTION 2.12.  Section 6.13 of the Loan Agreement is hereby
         deleted in its entirety and the following provision is substituted in
         place thereof:

                                SECTION 6.13. Sale of Stations. (A) The Borrower
                  will not sell any Primary Station except upon the election of
                  the Borrower of one of the following: (a) repayment of the
                  Loan in an amount at least equal to the Updated Appraised
                  Value of such Primary Station, or (b) the substitution of one
                  or more gasoline station properties with an Appraised Value
                  (such appraisal to be paid for by the Borrower in the case of
                  Stations that are purchased, and the Updated Appraisal Report
                  sets forth the value in the case of the substitution of a
                  Secondary Station) equal to or greater than the Updated
                  Appraised Value of the Primary Station sold. Prior to the sale
                  of any Primary Station, in the case of repayment under clause
                  (a) above, the Borrower shall pay to the Bank an amount at
                  least equal to the Updated Appraised Value for such Primary
                  Station. Promptly after receipt of such payment pursuant to
                  clause (a), the Bank will release the Mortgage relating to the
                  Primary Station to be sold. Any station(s) substituted for a
                  Primary Station in accordance with the provisions of this
                  Section 6.13 shall, prior to or at the time

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                  of such sale, be made subject to a Mortgage on terms
                  equivalent to those in effect with regard to the Primary
                  Station sold. Upon satisfaction of the conditions for
                  substitution hereunder, any substituted station shall become a
                  Primary Station hereunder and, where the Bank has not
                  previously released the Primary Station as provided herein,
                  the Bank shall release the Mortgage relating to the Primary
                  Station to be sold. All properties designated for substitution
                  shall either be (i) purchased from third parties at a price
                  which approximates its fair market value, provided that the
                  Appraised Value of such property or properties shall be equal
                  to or greater than the Updated Appraised Value of the Primary
                  Station for which it is substituted, and the Borrower shall
                  provide to the Bank upon its request any information relating
                  to the property to be purchased and any agreements or
                  instruments in connection therewith, or (ii) any of the
                  Secondary Stations which have not been released from their
                  Mortgages, provided that the Borrower obtains a current date
                  down endorsement to the existing title insurance policy for
                  such Secondary Station showing no new encumbrances other than
                  liens permitted under Section 6.2.

                                (B) Upon the Borrower's written request from
                  time to time, the Bank will discharge its Mortgage on any
                  Secondary Station, provided the Borrower covenants that during
                  the term of this Loan, as it may be extended, and so long as
                  the Borrower shall continue to own such Secondary Station,
                  such Secondary Station shall remain free of mortgage liens and
                  any other security interests, other than liens permitted under
                  Section 6.2.

         SECTION 3. AFFIRMATION OF BORROWER. The Borrower hereby affirms its
absolute and unconditional promise to pay to the Bank the Loan and all other
amounts due under the Notes and the Loan Agreement, as amended hereby, at the
times and in the amounts provided for therein. The Borrower confirms and agrees
that the obligations of the Borrower to the Bank under the Loan Agreement, as
amended hereby, remain secured by and entitled to the benefits of the Loan
Documents as amended and in effect from time to time.

         SECTION 4. REPRESENTATIONS AND WARRANTIES. The Borrower hereby
represents and warrants to the Bank that the representations and warranties of
the Borrower set forth in the Loan Agreement were true and correct when made
with respect to the Loan Agreement as in effect as of

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such time and continue to be true and correct on and as of the date hereof as if
made on the date hereof.

         SECTION 5. CONDITIONS TO EFFECTIVENESS. The effectiveness of this Third
Amendment shall be subject to the delivery to the Bank by (or on behalf of) the
Borrower, contemporaneously with the execution hereof, of the following, in form
and substance satisfactory to the Bank:

         (a) A Second Amended Master Note executed and delivered by the
Borrower;

         (b) A Third Affirmation and Acknowledgment of Amended and Restated
Hazardous Waste and PMPA Indemnification Agreement executed by Properties;

         (c) A Third Affirmation and Acknowledgment of Three Party Lease
Agreement executed by Properties;

         (d) A favorable opinion from Samuel M. Jones, Esq. or Randi Young
Filip, Esq., each a counsel to the Borrower, Realty and Properties, addressed to
the Bank and dated the date of the execution and delivery of this Third
Amendment, in form, scope and substance satisfactory to the Bank;

         (e) Certified copies of all documents relating to the authorization and
execution of this Third Amendment and the documents contemplated hereby and
related authority and organizational documents of the Borrower, Realty and
Properties as the Bank may request;

         (f) A Guaranty Agreement executed and delivered by Realty in form,
scope and substance satisfactory to the Bank;

         (g) A Guaranty Agreement executed and delivered by Properties in form,
scope and substance satisfactory to the Bank;

         (h) The Updated Appraisal Report which the Bank can use to verify that
the ratio of the Loan to the Updated Appraisal Value of the Primary Stations
does not exceed seventy percent (70%); and

         (i) Any other document or instrument the Bank may reasonably request.

         SECTION 6. MISCELLANEOUS PROVISIONS.

         (a) Except as otherwise expressly provided by this Third Amendment, all
of the terms, conditions and provisions of the Loan

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Agreement shall remain the same. It is declared and agreed by each of the
parties hereto that the Loan Agreement, as amended hereby, shall continue in
full force and effect, and that this Third Amendment and the Loan Agreement
shall be read and construed as one instrument.

         (b) THIS THIRD AMENDMENT IS INTENDED TO TAKE EFFECT AS AN AGREEMENT
UNDER SEAL AND SHALL BE CONSTRUED ACCORDING TO AND GOVERNED BY THE LAWS OF THE
COMMONWEALTH OF MASSACHUSETTS.

         (c) This Third Amendment may be executed in any number of counterparts,
and all such counterparts shall together constitute but one instrument. In
making proof of this Third Amendment it shall not be necessary to produce or
account for more than one counterpart signed by each party hereto by and against
which enforcement hereof is sought.

         (d) Headings or captions used in this Third Amendment are for
convenience of reference only and shall not define or limit the provisions
hereof.

         (e) The Borrower hereby agrees to pay to the Bank, on demand by the
Bank, all out-of-pocket costs and expenses incurred or sustained by any Person
in connection with the preparation of this Third Amendment (including legal
fees).

                  [Remainder of Page Intentionally Left Blank]

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         IN WITNESS WHEREOF, the parties hereto have caused this Third Amendment
to be made by their duly authorized officers as a sealed instrument as of the
date first set forth at the beginning of this Third Amendment.

                                     POWER TEST REALTY COMPANY
                                     LIMITED PARTNERSHIP

                                     By: Getty Properties Corp., its
                                         General Partner

                                         By: /s/ John J. Fitteron
                                            -----------------------------
                                          Name:   John J. Fitteron
                                          Title:  Senior Vice President,
                                                  Treasurer and Chief
                                                  Financial Officer

                                     FLEET NATIONAL BANK, successor in
                                     interest to Fleet Bank of Massachusetts,
                                     N.A.

                                         By: /s/ Michael A. Palmer
                                            -----------------------------
                                          Name:   Michael A. Palmer
                                          Title:    Vice President

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