Document:

EXHIBIT 10.42

REVOLVING REDUCING NOTE.
$3,000,000.00
Los Angeles, California
August 1, 2000

FOR VALUE RECEIVED, the undersigned AUTO-GRAPHICS, INC., a California
corporation ("Borrower"), promises to pay to the order of WELLS FARGO BANK,
NATIONAL ASSOCIATION ("Bank") at its office at 333 South Grand Avenue, Los
Angeles, California, or at such other place as the holder hereof may
designate, in lawful money of the United States of America and in immediately
available funds, the principal sum of Three Million Dollars ($3,000,000.00),
or so much thereof as may be advanced and be outstanding, with interest
thereon, to be computed on each advance from the date of its disbursement as
set forth herein.
INTEREST:

(a) Interest.  The outstanding principal balance of this Note shall bear
interest (computed on the basis of a 360-day year, actual days elapsed) at a
rate per annum one half of one percent (0.50%) above the Prime Rate in effect
from time to time.  The "Prime Rate" is a base rate that Bank from time to
time establishes and which serves as the basis upon which effective rates of
interest are calculated for those loans making reference thereto.  Each
change in the rate of interest hereunder shall become effective on the date
each Prime Rate change is announced within Bank.

(b) Payment of Interest.  Interest accrued on this Note shall be payable on
the last day of each month, commencing August 31, 2000.

(c) Default Interest.  From and after the maturity date of this Note, or such
earlier date as all principal owing hereunder becomes due and payable by
acceleration or otherwise, the outstanding principal balance of this Note
shall bear interest until paid in full at an increased rate per annum
(computed on the basis of a 360-day year, actual days elapsed) equal to four
percent (4%) above the rate of interest from time to time applicable to this
Note.

BORROWING AND REPAYMENT:

(a) Borrowing and Repayment.  Borrower may from time to time during the term
of this Note borrow, partially or wholly repay its outstanding borrowings,
and reborrow, subject to all of the limitations, terms and conditions of this
Note and of any document executed in connection with or governing this Note;
provided, however, that the total outstanding borrowings under this Note
shall not at any time exceed the principal amount set forth above or such
lesser amount as shall at any time be available hereunder.  The unpaid
principal balance of this obligation at any time shall be the total amounts
advanced hereunder by the holder hereof less the amount of principal payments
made hereon by or for Borrower, which balance may be endorsed hereon from
time to time by the holder.  The outstanding principal balance of this Note
shall be due and payable in full on June 3, 2002.

(b) Reductions in Availability.  Notwithstanding the principal amount set
forth above, the maximum principal amount available under this Note shall be
reduced automatically and without further notice on each October 1 and each
April 1, commencing October 1, 2000, by the amount of Two Hundred Fifty
Thousand Dollars ($250,000.00), resulting in maximum principal availability
hereunder of $2,750,000 on October 1, 2000; $2,500,000 on April 1, 2001;
$2,250,000 on October 1, 2001; and $2,000,000 on April 1, 2002, minus in each
case the aggregate amount of reductions to the Line of Credit pursuant to
paragraph (c) below.  If the outstanding principal balance of this Note on
any such date is greater than the new maximum principal amount then available
hereunder, Borrower shall make a principal reduction on this Note on such
date in an amount sufficient to reduce the then outstanding principal balance
hereof to an amount not greater than said new maximum principal amount.  If
on any October 1 or April 1 the maximum principal amount then available
hereunder equals or exceeds the outstanding principal balance of this Note,
then Borrower shall not be required to repay principal outstanding under this
Note solely by reason of the reduction in availability that occurs on such
date.

(c) Equity Proceeds.  Borrower shall prepay the Line of Credit in an amount
equal to ten percent (10%) of Excess Equity Proceeds not more than two (2)
business days after any Excess Equity Proceeds are received, and the Line of
Credit shall be permanently reduced on such date by the amount of prepayment
required by this sentence. "Equity Proceeds" shall mean the gross amount of
new equity received by the Borrower and its Subsidiaries from and after April
1, 2000. "Excess Equity Proceeds" shall mean Equity Proceeds in excess of
$5,000,000.00.

(d) Advances.  Advances hereunder, to the total amount of the principal sum
stated above, may be made by the holder at the oral or written request of (i)
Robert S. Cope or Daniel E. Luebben or Corey M. Patick or Michael K. Skiles
or Diep (Gina) Nguyen, any one acting alone, who are authorized to request
advances and direct the disposition of any advances until written notice of
the revocation of such authority is received by the holder at the office
designated above, or (ii) any person, with respect to advances deposited to
the credit of any deposit account of Borrower, which advances, when so
deposited, shall be conclusively presumed to have been made to or for the
benefit of Borrower regardless of the fact that persons other than those
authorized to request advances may have authority to draw against such
account.  The holder shall have no obligation to determine whether any person
requesting an advance is or has been authorized by Borrower.

(e) Application of Payments.  Each payment made on this Note shall be
credited first, to any interest then due and second, to the outstanding
principal balance hereof.

EVENTS OF DEFAULT:

This Note is made pursuant to and is subject to the terms and conditions of
that certain Amended and Restated Credit Agreement between Borrower and Bank
dated as of August 1, 2000, as amended from time to time (the "Credit
Agreement").  Any default in the payment or performance of any obligation
under this Note, or any defined event of default under the Credit Agreement,
shall constitute an "Event of Default" under this Note.

MISCELLANEOUS:

(a) Remedies.  Upon the occurrence of any Event of Default, the holder of
this Note, at the holder's option, may declare all sums of principal and
interest outstanding hereunder to be immediately due and payable without
presentment, demand, notice of nonperformance, notice of protest, protest or
notice of dishonor, all of which are expressly waived by Borrower, and the
obligation, if any, of the holder to extend any further credit hereunder
shall immediately cease and terminate.  Borrower shall pay to the holder
immediately upon demand the full amount of all payments, advances, charges,
costs and expenses, including reasonable attorneys' fees (to include outside
counsel fees and all allocated costs of the holder's in-house counsel),
expended or incurred by the holder in connection with the enforcement of the
holder's rights and/or the collection of any amounts which become due to the
holder under this Note, and the prosecution or defense of any action in any
way related to this Note, including without limitation, any action for
declaratory relief, whether incurred at the trial or appellate level, in an
arbitration proceeding or otherwise, and including any of the foregoing
incurred in connection with any bankruptcy proceeding (including without
limitation, any adversary proceeding, contested matter or motion brought by
Bank or any other person) relating to Borrower or any other person or entity.

Governing Law.  This Note shall be governed by and construed in accordance
with the laws of the State of California.

IN WITNESS WHEREOF, the undersigned has executed this Note as of the date
first written above.

AUTO-GRAPHICS, INC., a California corporation
By:  ss/Michael K. Skiles
-------------------------
Name:  Michael K. Skiles
Title:    PresidentEXHIBIT 10.43

REVOLVING LINE OF CREDIT AGREEMENT AND NOTE
$250,000.00
Pomona, California
November 1, 2000

This Revolving Line of Credit Agreement and Note ("Agreement") is dated as of
the date first written above by and between TheLibraryCard, Inc., a Nevada
Corporation ("LibraryCard" or "Borrower"), and Auto-Graphics, Inc., a
California corporation ("Auto-Graphics" or "Lender").

RECITALS

WHEREAS, LibraryCard is a development stage enterprise, which commenced
operations in January, 2000, and

WHEREAS, LibraryCard is developing a library web "portal" on the Internet and
may need additional cash financing for further development and promotion of
the website; and

WHEREAS, Auto-Graphics is the parent company of LibraryCard and currently
owns 60.9% of the issued and outstanding shares of stock of LibraryCard; and

WHEREAS, Auto-Graphics desires and hereby commits to provide LibraryCard, at
its sole election and discretion, at any time and from time to time during
the succeeding twelve (12) month period of time, with up to $250,000 in
additional cash financing as may be required and requested by LibraryCard on
an unsecured basis.

NOW THEREFORE, for value received, the undersigned LibraryCard promises to
pay to Auto-Graphics on October 31, 2001 at its office at 3201 Temple Avenue,
Pomona, California, 91768-3200 in lawful money of the United States of
America and in immediately available funds, the principal sum of Two Hundred
Fifty Thousand Dollars ($250,000.00), or so much thereof as may be advanced
and be outstanding and unpaid under this Agreement, with interest thereon, to
be computed on each advance from the date of its disbursement as set forth
herein.  Auto-Graphics, for value received, the legal adequacy and
sufficiency of which are hereby acknowledged and agreed, promises to advance
and otherwise loan to LibraryCard as requested by LibraryCard and as provided
for in this Agreement up to the maximum principal amount of $250,000.00.

INTEREST

(a)  Interest.  The outstanding principal balance of this Agreement shall
bear interest (computed on the basis of a 360-day year, actual days elapsed)
at a rate per annum of one percent (1.0 %) above the Prime Rate in effect
from time to time under the Company's Amended and Restated Credit Agreement
between the Company and Wells Fargo Bank dated August 1, 2000.  Each change
in the rate of interest hereunder shall become effective on the date that
each Prime Rate change is reported by Wells Fargo Bank to the Lender.

(b)  Payment of Interest.  Interest accrued on this Agreement shall be
payable on the last day of each month, commencing November 30, 2000.

(c)  Default Interest.  From and after the maturity date of this Agreement,
or such earlier date as all principal owing hereunder becomes due and payable
by acceleration or otherwise, the outstanding principal balance of this
Agreement shall bear interest until paid in full at an increased rate per
annum (computed on the basis of a 360-day year, actual days elapsed) equal to
four percentage points (4%) above the rate of interest from time to time
applicable to this Agreement up to the maximum interest rate allowable by
law.

BORROWING AND REPAYMENT

(a)  Borrowing and Repayment.  Borrower may from time to time during the 12
month term of this Agreement borrow, partially or wholly repay its
outstanding borrowings, and reborrow, subject to all of the limitations,
terms and conditions of this Agreement; provided, however, that the total
outstanding borrowings under this Agreement shall not at any time exceed the
principal amount set forth above.  The unpaid principal balance of this
obligation at any time shall be the total amounts advanced hereunder by the
Lender hereof less the amount of principal payments made hereon by or for
Borrower, which balance may be endorsed hereon from time to time by the
Lender.  The outstanding principal balance of this Agreement shall be due and
payable in full on October 31, 2001.

(b)  Advances.  Advances hereunder, up to the total amount of the principal
sum stated above, may be made by the Lender at the written request of (i)
Corey M. Patick or Michael K. Skiles or any other person subsequently
designated by Borrower for such purpose, who are hereby authorized to request
advances from the Chief Financial Officer of Auto-Graphics and direct the
disposition of any advances until written notice of the revocation of such
authority by Borrower is received by the Lender at the office designated
above.

(e)  Application of Payments.  Each payment made on this Agreement shall be
credited first, to any interest then due and second, to the outstanding
principal balance hereof.
NON-TRANSFERABLE

This Agreement is not transferable to any third party without the
express written consent of the Lender.

SECURITY and SUBORDINATION

This Agreement is unsecured and subordinate to that certain Credit
Agreement between Auto-Graphics, Inc. and Wells Fargo Bank, NA dated August
1, 2000.

MISCELLANEOUS

(a)  Remedies.  Upon the occurrence of any default by the Borrower under
this Agreement, the Lender, at the Lender's sole discretion and election, may
declare all sums of principal and interest outstanding hereunder to be
immediately due and payable without presentment, demand, notice of
nonperformance, notice of protest, protest or notice of dishonor, all of
which are expressly waived by Borrower, and the obligation, if any, of the
Lender to extend any further credit hereunder shall immediately cease and
terminate.  Borrower shall pay to the Lender immediately upon demand the full
amount of all payments, advances, charges, costs and expenses, including
reasonable attorneys' fees, expended or incurred by the Lender in connection
with the enforcement of the Lender's rights and/or the collection of any
amounts which become due to the Lender under this Agreement, and the
prosecution or defense of any action in any way related to this Agreement,
including without limitation, any action for declaratory relief, whether
incurred at the trial or appellate level, in an arbitration proceeding or
otherwise, and including any of the foregoing incurred in connection with any
bankruptcy proceeding (including without limitation, any adversary
proceeding, contested matter or motion brought by Lender or any other person)
relating to Borrower or any other person or entity.

(b)  Governing Law.  This Agreement shall be governed by and construed in
accordance with the laws of the State of California.

IN WITNESS WHEREOF, the undersigned parties intending to be legally obligated
thereby, and thereunto legally and duly authorized have executed and
delivered this Agreement as of the date first written above.
THELIBRARYCARD, INC., a Nevada corporation

By:    ss/Robert S. Cope
------------------------
Name:  Robert S. Cope
Title:    Director

By:    ss/Corey M. Patick
-------------------------
Name:  Corey M. Patick
Title:    Director

AUTO-GRAPHICS, INC.,
a California corporation

By:    ss/Michael K. Skiles
---------------------------
Name:  Michael K. Skiles
Title:    President

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