Document:

Ace Cash Express, Inc.

 

Exhibit 10.3

FOURTH AMENDMENT TO AMENDED

AND RESTATED CREDIT AGREEMENT

     THIS FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
“Amendment”) is made and entered into effective as of April 30, 2002 (the
“Effective Date”) by and among ACE CASH EXPRESS, INC., a Texas corporation (the
“Borrower”), the lenders party to the Credit Agreement (as defined below)
(collectively, together with all successors and assigns, the “Lenders”), WELLS
FARGO BANK TEXAS, NATIONAL ASSOCIATION, a national banking association, as
agent for the Lenders (the “Agent”), BANK OF AMERICA, N.A., a national banking
association, as syndication agent for the Lenders (the “Syndication Agent”),
WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, formerly
known as FIRST UNION NATIONAL BANK, (“Wachovia”), and JPMORGAN CHASE BANK, a
New York state banking corporation, formerly known as THE CHASE MANHATTAN BANK
(“Chase”), both as managing agents for the Lenders (Wachovia and Chase, in such
capacities, are hereby referred to as the “Managing Agents”) (collectively, the
Agent, the Syndication Agent and the Managing Agents are referred to as the
“Agents”).

PRELIMINARY STATEMENTS

     A.     The Borrower, the Lenders and the Agents have entered into that certain
Amended and Restated Credit Agreement, dated as of November 9, 2000, as amended
by that certain Amendment to Amended and Restated Credit Agreement, by and
among the Borrower, the Lenders and the Agents, dated as of February 21, 2001,
as further amended by that certain Second Amendment to Amended and Restated
Credit Agreement, by and among the Borrower, the Lenders and the Agents, dated
as of November 7, 2001, and as further amended by that certain Third Amendment
to Amended and Restated Credit Agreement, by and among the Borrower, the
Lenders and the Agents, dated as of December 31, 2001 (as amended, the “Credit
Agreement”).

     B.     The Borrower, the Lenders and the Agents desire to amend the Credit
Agreement and the other Credit Documents as hereinafter set forth.

     NOW, THEREFORE, in consideration of the premises herein contained and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties, intending to be legally bound, agree as
follows:

AGREEMENT

ARTICLE I. DEFINITIONS

     SECTION 1.01 Certain Defined Terms. Capitalized terms used in this
Amendment are used as defined in the Credit Agreement, as amended hereby,
unless otherwise stated.

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ARTICLE II. AMENDMENT

     SECTION 2.01 Amendment to Section 1.01; Amendment and Restatement of
Certain Defined Terms. Effective as of the Effective Date, the following
definitions contained in Section 1.01 of the Credit Agreement are hereby
amended and restated in their entirety to read as follows:

		
	 	     “Applicable Margin” shall mean the following percentages per
annum applicable to the following Types of Loans, which
percentages shall be added to the applicable interest rates for
purposes of calculating the interest rates payable to the Lenders,
as more fully described by Section 2.05.

	 	 	 	 	 
	TYPE OF LOAN	 	APPLICABLE MARGIN
	
	 	

	Alternate Base Loans	 	 	
3.00	%
	Eurodollar Loans	 	 	
N/A	 
	Reference Rate Loans	 	 	
4.00	%

		
	 	     “Available Commitment Amount” shall mean at any date of
determination with respect to the Revolving Credit Commitment, the
lesser of (i) the Total Revolving Credit Commitment or (ii)
$130,000,000, minus, in either case, the average daily unpaid
principal balance of the Revolving Credit Loans since the later to
occur of April 30, 2002 and the last date of payment of the
Commitment Fee with respect to the Revolving Credit Commitment, as
described in Section 2.06(a) hereof.
	 
	 	     “Final Maturity Date” shall mean October 31, 2002.
	 
	 	     “Interest Payment Date” shall mean (a) with respect to any
Alternate Base Loan, (i) the last Business Day of each month
commencing on the month following the Closing Date and (ii) the
Revolving Credit Termination Date, (b) with respect to any
Reference Rate Loan, (i) the last Business Day of each month
commencing on the month following the Closing Date and (ii) the
Revolving Credit Termination Date and (c) with respect to any
Fixed Rate Loan, (i) the last Business Day of each month
commencing on the month following the Closing Date and (ii) the
Term Loan Termination Date.
	 
	 	     “Loan” shall mean any Term Loan or any Revolving Credit
Loan.
	 
	 	     “Notes” shall mean, collectively, the Term Notes and the
Revolving Credit Notes of the Borrower, executed and delivered as
provided in Section 2.04 hereof.
	 
	 	     “Total Commitment” shall mean the sum of the Lenders’ Total
Term Loan Commitment and Total Revolving Credit Commitment, as
the same may be 

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	 	terminated or reduced from time to time in
accordance with the provisions of this Agreement.

     SECTION 2.02 Amendment to Section 1.01; Addition of Certain Defined Terms.
Effective as of the date hereof, the following definitions shall be added to
Section 1.01 of the Credit Agreement in alphabetical order:

		
	 	     “Fixed Rate Loan” shall mean a Loan based upon the Fixed Rate
in accordance with Article II hereof.
	 
	 	     “Fixed Rate” shall mean a fixed interest rate per annum
equal nine percent (9.0%).

     SECTION 2.03 Amendment to Section 1.01; Deletion of Certain Defined Terms.
Effective as of the Effective Date, the definitions of “Seasonal Revolving
Credit Commitment”, “Seasonal Revolving Credit Lender”, “Seasonal Revolving
Credit Loan”, “Seasonal Revolving Credit Note”, “Seasonal Revolving Credit
Termination Date” and “Total Seasonal Revolving Credit Commitment” contained in
Section 1.01 of the Credit Agreement are hereby deleted in their entirety.

     SECTION 2.04 Amendment to Section 2.01(d). Effective as of the Effective
Date, Section 2.01(d) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(d) Subject to the terms and conditions and relying upon the
representations and warranties herein set forth, each Lender,
severally and not jointly, agrees to make Revolving Credit Loans
to the Borrower, at any time and from time to time, the Borrower
having the right to borrow, repay and reborrow, from the Closing
Date to the Revolving Credit Termination Date, in an aggregate
principal amount at any time outstanding not to exceed the amount
of such Lender’s Revolving Credit Commitment set forth opposite
its name in Schedule 2.01(b) hereto. Notwithstanding the
foregoing, at no time shall the aggregate principal amount of
Revolving Credit Loans outstanding exceed the lesser of (i) the
Borrowing Base then in effect, (ii) the Total Revolving Credit
Commitment or (iii) $130,000,000 (the lesser of the foregoing
being hereinafter referred to as, the “Borrowing Limit”). If the
total unpaid amount of the Revolving Credit Loans at any time
exceeds the Borrowing Limit then in effect, Borrower shall make a
paydown on the Revolving Credit Loans in an amount sufficient to
reduce the total unpaid balance of the Revolving Credit Loans to
an amount no greater than the Borrowing Limit. Such mandatory
paydown shall be accompanied by all accrued and unpaid interest on
the amount prepaid.”

     SECTION 2.05 Amendment to Section 2.02(b). Effective as of the Effective
Date, Section 2.02(b) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(b) Revolving Credit Loans shall be made ratably by the
Lenders in accordance with their respective Revolving Credit
Commitments; provided, however, 

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	 	that the failure of any Lender to
make any Loan shall not in itself relieve any other Lender of its
obligation to lend hereunder. Term Loans shall be made by the
Lenders against delivery to each Lender of one (1) Term Note,
payable to the order of such Lender, as referred to in Section
2.04 hereof. All Revolving Credit Loans shall be made by the
Lenders against delivery to each Lender of one (1) Revolving
Credit Note, payable to the order of such Lender, as referred to
in Section 2.04 hereof.”

     SECTION 2.06 Amendment to Section 2.03. Effective as of the Effective
Date, Section 2.03 of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     “SECTION 2.03. Notice of Revolving Credit Loans. The Borrower
shall give the Agent irrevocable written or facsimile notice
(promptly confirmed in writing) of each borrowing to be made by
the Borrower (including, without limitation, a conversion as
permitted by Section 2.02(e) hereof) not later than (i) 8:00 a.m.,
San Francisco, California time, the Business Day of a proposed
Revolving Credit Loan consisting of a Reference Rate Loan
borrowing or any Reference Rate Loan conversion and (ii) 8:00
a.m., San Francisco, California time, the Business Day of a
proposed Revolving Credit Loan consisting of an Alternate Base
Loan borrowing or any Alternate Base Loan conversion. Such notice
shall be in substantially the form of Exhibit I hereto (the
“Borrowing Notice”) and shall (i) state that the Loans then being
requested are to be Revolving Credit Loans, (ii) specify whether
the Loans then being requested are to be Alternate Base Loans or
Reference Rate Loans, (iii) specify the date of such borrowing
(which shall be a Business Day) and amount thereof, (iv) state
that the representations and warranties set forth in Article III
hereof and in any documents delivered in connection herewith shall
be true and correct in all material respects with the same effect
as though made on and as of such date (except insofar as such
representations and warranties relate expressly to an earlier
date), (v) state that no Default or Event of Default has occurred
and is continuing or would otherwise be created by such borrowing
and (vi) state that the proceeds of such Loans will be used only
to fund Borrower’s working capital requirements in the ordinary
course of its business. If no election as to the Type of Loan is
specified in any such notice, all such Loans shall be Alternate
Base Loans. Notwithstanding anything contained in this Agreement
to the contrary, (i) Revolving Credit Loans shall only be, and
shall only be convertible into, Alternate Base Rate Loans or
Reference Rate Loans and (ii) Term Loans shall only be Fixed Rate
Loans. The Agent shall promptly advise the Lenders of any
notice given pursuant to this Section 2.03 and of each Lender’s
portion of the requested borrowing.”

     SECTION 2.07 Amendment to Section 2.04(a). Effective as of the
Effective Date, Section 2.04(a) of the Credit Agreement is hereby
amended and restated in its entirety to read as follows:

		
	 	     "(a) All Term Loans made by a Lender to the Borrower shall be
evidenced by a single Term Note, duly executed by the Borrower,
dated as of April 30, 2002, in substantially the form of Exhibit A
hereto, delivered by the Borrower and payable to such Lender in a
principal amount equal to such Lender’s Term Loan Commitment on
such date. All Revolving Credit Loans made by a Lender to the

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	 	Borrower shall be evidenced by a single Revolving Credit Note,
duly executed by the Borrower, dated as of the Closing Date, in
substantially the form of Exhibit B hereto, delivered by the
Borrower and payable to such Lender in a principal amount equal to
such Lender’s Revolving Credit Commitment on such date.”

     SECTION 2.08 Amendment to Section 2.04(b). Effective as of the Effective
Date, Section 2.04(b) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(b) Each Revolving Credit Note shall bear interest from its
date on the outstanding principal balance thereof as provided in
Section 2.05 hereof. The outstanding balance of each Revolving
Credit Loan, as evidenced by any such Revolving Credit Note, shall
mature and be due and payable on the Revolving Credit Termination
Date.”

     SECTION 2.09 Amendment to Section 2.04(c). Effective as of the Effective
Date, Section 2.04(c) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(c) Each Term Note shall bear interest from its date on the
outstanding principal balance thereof as provided in Section 2.05
hereof. The Borrower shall make aggregate principal payments in
respect of the Term Notes on the dates and in the amounts set
forth below.

	 	 	 	 	 
	Date	 	Principal Payments
	
	 	

	April 30, 2002	 	 	
$1,000,000	 
	May 31, 2002 and on the last Business Day of each
calendar month thereafter through and including the
last Business Day of the calendar month immediately
preceding the Term Loan Termination Date	 	 	
$250,000	 

		
	 	     The aggregate unpaid principal balance of each Term Loan, as
evidenced by such Term Note, shall mature and be due and payable
on the Term Loan Termination Date.”

     SECTION 2.10 Amendment to Section 2.05. Effective as of the Effective
Date, Section 2.05 of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

     “SECTION 2.05. Interest on Loans.

		
	 	     (a) Subject to the provisions of Section 2.08 and Section
9.08 hereof, each Alternate Base Loan shall bear interest at a
rate per annum equal to the Alternate Base Rate plus the
Applicable Margin then in effect.

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	 	     (b) Subject to the provisions of Section 2.08 and Section
9.08 hereof, each Eurodollar Loan shall bear interest at a rate
per annum equal to the Adjusted LIBOR plus the Applicable Margin
then in effect at the beginning of such Interest Period.
	 
	 	     (c) Subject to the provisions of Section 2.08 and Section
9.08 hereof, each Reference Rate Loan shall bear interest at a
rate per annum equal to the Reference Rate plus the Applicable
Margin then in effect.
	 
	 	     (d) Subject to the provisions of Section 2.08 and Section
9.08 hereof, each Fixed Rate Loan shall bear interest at a rate
per annum equal to the Fixed Rate.
	 
	 	     (e) Notwithstanding anything contained in this Agreement to
the contrary, (i) Revolving Credit Loans shall only be, and shall
only be convertible into, Alternate Base Rate Loans or Reference
Rate Loans and (ii) Term Loans shall only be Fixed Rate Loans.
	 
	 	     (f) Interest on each Loan shall be payable in arrears on each
applicable Interest Payment Date. Interest on each Loan shall be
computed based on the number of days elapsed in a year of 360
days. The Agent shall determine each interest rate applicable to
the Revolving Credit Loans and shall promptly advise the Borrower
and the Lenders of the interest rate so determined.”

     SECTION 2.11 Amendment to Section 2.06. Effective as of the Effective
Date, Section 2.06 of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     “SECTION 2.06. Fees.

		
	 	     (a) The Borrower shall pay each Lender, through the Agent,
its pro rata share of a monthly commitment fee (“Commitment Fee”)
from April 30,
2002 until the Revolving Credit Termination Date, in an
amount equal to: (i) the Available Commitment Amount applicable to
the Revolving Credit Commitment during such month (or such shorter
period as may be applicable), multiplied by (ii) the Applicable
Commitment Fee Percentage; provided, however, that there shall be
no Commitment Fee attributable to the Revolving Credit Commitment
after the Revolving Credit Termination Date.
	 
	 	     (b) Any portion of the Commitment Fee that has not been
previously paid shall be payable in immediately available funds
(i) on the last Business Day of each calendar month commencing on
April 30, 2002, (ii) on the Revolving Credit Termination Date,
and (iii) on the date of any reduction of the Total Revolving
Credit Commitment in accordance with the provisions of this
Agreement. The Commitment Fee due to each Lender under this
Section 2.06 shall commence to accrue on April 30, 2002 and cease
to accrue on the Revolving Credit Termination Date in accordance
with the terms of this Section 2.06. The Commitment Fee shall be
calculated on the basis of the actual number of days elapsed in a
year of 360 days.”

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     SECTION 2.12 Amendment to Section 2.07. Effective as of the
Effective Date, Section 2.07 of the Credit Agreement, together with the
heading thereto, is hereby amended and restated in its entirety to read
as follows:

		
	 	     “SECTION 2.07 Termination or Reduction of the Total
Revolving Credit Commitment; Termination of Term Loan
Commitment.

		
	 	     (a) Upon at least five (5) Business Days’ prior irrevocable
written notice (or facsimile notice promptly confirmed in
writing) to the Agent, the Borrower may at any time in whole
permanently terminate, or from time to time in part permanently
reduce, the Total Revolving Credit Commitment ratably among the
Lenders in accordance with the amounts of their Commitments;
provided, however, the Total Revolving Credit Commitment shall
not at any time be reduced to an amount less than the sum of the
Revolving Credit Loans then outstanding. Each voluntary partial
reduction of the Total Revolving Credit Commitment shall be in an
integral multiple of five million dollars ($5,000,000).
	 
	 	     (b) Simultaneously with any termination or reduction of the
Total Revolving Credit Commitment pursuant to paragraph (a)
above, the Borrower shall pay to each Lender, through the Agent,
the Commitment Fee due and owing through and including the date
of such termination or reduction on the amount of the Commitment
of such Lender so terminated or reduced.
	 
	 	     (c) The Revolving Credit Commitment of each Lender shall
automatically and permanently terminate on the Revolving Credit
Termination Date, and all Revolving Credit Loans still
outstanding on such date shall be due and payable in full
together with accrued interest thereon. No Lender shall have
any obligation to make any Revolving Credit Loans after the
Revolving Credit Termination Date.
	 
	 	     (d) The Term Loan Commitment of each Lender shall
automatically and permanently terminate on the Term Loan
Termination Date and all Term Loans still outstanding on such
date shall be due and payable in full together with accrued
interest thereon.”

     SECTION 2.13 Amendment to Section 2.08(a). Effective as of the Effective
Date, Section 2.08(a) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(a) If the Borrower shall default in the payment of the
principal of or interest on any Loan or any fee or other amount due
hereunder, by acceleration or otherwise, the Borrower shall on
demand upon twenty-four (24) hours prior notice from time to time
pay interest, subject to Section 9.08 hereof and to the extent
permitted by law, on such defaulted amount up to the date of actual
payment of such defaulted amount (after as well as before judgment)
at a rate per annum equal to the
Alternate Base Rate plus seven and
one-half percent (7-1/2%), but in no event higher than the maximum
rate under applicable law. Notwithstanding anything to the

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	 	contrary contained in Section 2.05(e) hereof, any interest payable
pursuant to this Section 2.08(a) shall be paid when due in lawful
money of the United States (in freely transferable dollars).”

     SECTION 2.14 Amendment to Section 2.09(a). Effective as of the Effective
Date, Section 2.09(a) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(a) Within fifteen (15) Business Days after the consummation
of any Asset Sale, the Borrower shall prepay the Obligations in an
amount equal to one hundred percent (100%) of the net cash
proceeds of such Asset Sale; provided, however, that the Borrower
shall have no obligation to make any such prepayment pursuant to
this Section 2.09(a) until the Borrower has received, with respect
to any Fiscal Year, aggregate net cash proceeds from Asset Sales
of at least one million dollars ($1,000,000) (the “Asset Sale
Limit”). Such prepayments shall be applied, first to the
scheduled principal payments due in respect of the Term Loan in
inverse order of their maturity, second to the unpaid interest of
the Term Loan and finally to the repayment of the Revolving Credit
Loans.”

     SECTION 2.15 Amendment to Section 2.09(b). Effective as of the Effective
Date, Section 2.09(b) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(b) Within five (5) Business Days after the receipt of
proceeds pursuant to an issuance by the Borrower or any of its
Subsidiaries of any of the
Borrower’s or any such Subsidiary’s equity securities (and
regardless of whether such equity securities are issued in a
public or private sale), the Borrower shall prepay the Obligations
in an amount equal to the net cash proceeds of any such sale of
equity securities. Such prepayments shall be applied, first to the
scheduled principal payments due in respect of the Term Loan in
inverse order of their maturity, second to the unpaid interest of
the Term Loan and finally to the repayment of the Revolving Credit
Loans.”

     SECTION 2.16 Amendment to Section 2.09(e). Effective as of the Effective
Date, Section 2.09(e) of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     "(e) The Borrower shall make prepayments of the Revolving
Credit Loans from time to time as required in order to ensure that
the aggregate principal amount of the Revolving Credit Loans
outstanding does not exceed the lesser of (i) the Borrowing Base
then in effect, (ii) the Total Revolving Credit Commitment or
(iii) $130,000,000.”

     SECTION 2.17 Addition of Section 5.18. Effective as of the Effective
Date, a new Section 5.18 is hereby added to the Credit Agreement which shall
read as follows:

		
	 	     “SECTION 5.18. Supplemental Litigation Meeting. Upon
Agent’s or any Lender’s request, within five (5) days after the
Borrower’s filing of its Quarterly 

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	 	Report on Form 10-Q or its
Annual Report on Form 10-K with the Securities and Exchange
Commission, make available for a meeting with representatives of
Agent and any other Lender desiring to participate at least one
knowledgeable executive officer of the Borrower to respond to
questions about (a) the disclosures in any such report regarding
the Borrower’s legal proceedings and (b) any other actions, suits
or proceedings then pending against or involving the Borrower.”

     SECTION 2.18 Amendment to Section 6.19. Effective as of the Effective
Date, Section 6.19 of the Credit Agreement is hereby amended and restated in
its entirety to read as follows:

		
	 	     “SECTION 6.19. Store Leases; Capital Expenditures. From and
after April 30, 2002, open any new stores or enter into any lease,
commitment or other agreement obligating the Borrower to take
occupancy of any additional leased space; provided, however, that
(a) the Borrower shall be permitted to finish out the five (5)
stores listed on Schedule 6.19(a) hereto and (b) in addition to
the stores referenced in clause (a) preceding, the Borrower shall
be permitted to open and/or finish out up to ten (10) new
company-owned stores (which stores shall be comprised of the
stores listed on Schedule 6.19(b) hereto and/or stores which are
opened in replacement of company-owned stores that are closed in
the ordinary course of Borrower’s business) if, with respect to
both clauses (a) and (b) preceding, the total amount of all
Capital Expenditures made or incurred by the Borrower in
connection with opening and/or finishing out (i) any such
individual
store location does not exceed $75,000 and (ii) all such
store locations do not exceed $750,000 in the aggregate; provided
further, however, that the foregoing shall not restrict the
opening and/or finishing out of any franchisee-owned stores if no
Capital Expenditures or other costs are made or incurred by the
Borrower in connection with the opening and/or finishing out of
such stores. In addition to the foregoing, during the period from
April 30, 2002 through and including the Final Maturity Date, the
Borrower shall not make any Capital Expenditures except for (a)
the Capital Expenditures expressly permitted pursuant to the first
proviso contained in the preceding sentence and (b) other Capital
Expenditures not to exceed $1,500,000 in the aggregate.”

     SECTION 2.19 Addition of Section 6.20. Effective as of the Effective
Date, a new Section 6.20 is hereby added to the Credit Agreement which shall
read as follows:

		
	 	     “SECTION 6.20. Settlement of Lawsuit. Settle any lawsuit or
cause of action filed against it for Borrower’s payment of an
amount (net of insurance proceeds) in excess of $1,500,000 without
the prior written consent of the Required Lenders, which consent
shall not be unreasonably withheld.”

     SECTION 2.20 Amendment of Exhibit I, Schedule 2.01(a) and Schedule 6.19.
Effective as of the Effective Date, (i) Exhibit I and Schedule 2.01(a) to the
Credit Agreement are hereby replaced with the forms of Exhibit I and Schedule
2.01(a) attached hereto and (ii) Schedule 6.19 to the Credit Agreement is
hereby replaced with Schedules 6.19(a) and 6.19(b) attached hereto.

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     SECTION 2.21 Miscellaneous Deletions. Effective as of the Effective Date,
(i) Section 2.01(e) of the Credit Agreement is hereby deleted in its entirety
and (ii) Exhibit K and Schedule 2.01(c) to the Credit Agreement are hereby
deleted in their entirety.

ARTICLE III. CONDITIONS PRECEDENT

     SECTION 3.01 The effectiveness of the amendments in Article II of this
Amendment is subject to the satisfaction of the following conditions precedent:

		
	 	     (a) The Lenders shall have received (i) this Amendment, duly
executed by the Borrower and the Lenders, (ii) a certificate of
the Secretary of the Borrower acknowledging (A) that the
Borrower’s Board of Directors has adopted, approved, consented to
and ratified resolutions which authorize the execution, delivery
and performance by the Borrower of this Amendment, and (B) the
names of the officers of the Borrower authorized to sign this
Amendment together with specimen signatures of such officers,
(iii) a Consent and Ratification of the existing Guaranty
Agreements, substantially in the form of Exhibit G to the Credit
Agreement, executed by each Guarantor, (iv) the Amended and
Restated Term Notes in the form attached hereto as Exhibit A, duly
executed by Borrower in favor of the Lenders, and (v) such
additional documents, instruments and information as the Agents or
any Lender may reasonably request;
	 
	 	     (b) The representations and warranties contained herein and
in the Credit Agreement, as amended hereby, and the other Credit
Documents shall be true and correct in all material respects as of
the date hereof, as if made on the date hereof;
	 
	 	     (c) After giving effect to this Amendment, no Default or
Event of Default shall have occurred and be continuing;
	 
	 	     (d) All corporate proceedings taken in connection
with the transactions contemplated by this Amendment
and all documents, instruments and other legal matters
incident thereto shall be satisfactory to the Agents
and the Required Lenders and their legal counsel;
	 
	 	     (e) Agent shall have received Borrower’s unaudited
consolidated financial statements as of March 31, 2002, which
shall be in form and substance satisfactory to Agent;
	 
	 	     (f) Borrower shall have paid (i) the commitment fee accrued
pursuant to Section 2.06 of the Credit Agreement (prior to giving
effect to this Amendment) through the date of this Amendment and
(ii) the portion of the commitment fee described in Section 4.01
of this Amendment which is due and payable on the date hereof;
	 
	 	     (h) Counsel to Agent and Lenders shall have engaged, on
behalf of Agent and Lenders, an independent financial consultant
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	 	conduct, at Borrower’s expense and for the
benefit of Agent and Lenders, (i) one review of the Borrower’s
short-term loan practices and the Borrower’s short-term loan
portfolio together with industry comparisons and (ii) one review
of the Borrower’s three-year financial forecast furnished after
June 30, 2002 in accordance with Section 5.05(f) of the Credit
Agreement (each of which reviews shall be satisfactory to the
Agent it its sole discretion), and the Borrower shall have (A)
agreed to afford such financial consultant full access to the
relevant books, records and employees of the Borrower as such
financial consultant shall deem necessary or reasonably
appropriate in light of the scope of such reviews and (B) paid
such financial consultant a retainer of $15,000 in connection with
its engagement; and
	 
	 	     (i) Borrower shall have paid all reasonable fees and expenses
incurred by counsel to Agent and Lenders in connection with the
transactions contemplated by this Amendment, including, without
limitation, all reasonable fees and expenses incurred in
connection with the preparation of this Amendment and any other
loan documentation related thereto.

ARTICLE IV. COVENANTS

     SECTION 4.01 Borrower hereby agrees to pay to each Lender a nonrefundable
commitment fee in consideration of the Loans and other credit accommodations
provided herein, the receipt and adequacy of which are hereby acknowledged, in
an amount equal to 1.00% of each Lender’s combined Revolving Credit Commitment
and Term Loan Commitment (as of the date of this Amendment), such commitment
fee to be payable in three installments on (i) April 30, 2002 in the amount of
$524,250, (ii) July 1, 2002 in the amount of $500,000 and (iii) October 1, 2002
in the amount of $1,024,250. Notwithstanding the foregoing, Borrower shall not
be required to pay the portion of the commitment fee otherwise due on October
1, 2002 if, on or before September 1, 2002, Borrower shall have (i) received
not less than $50,000,000 of senior and/or subordinated debt financing from one
or more financial institutions and/or institutional investors on terms
reasonably satisfactory to Agent and Lenders, and (ii) applied the proceeds of
such financing in permanent reduction of the Term Loan Commitment or the
Revolving Credit Commitment (together with a commensurate amount of the loans
outstanding under such facility).

ARTICLE V. REPRESENTATIONS AND WARRANTIES

     SECTION 5.01 The Borrower hereby represents and warrants to the Agents and
the Lenders that (a) the representations and warranties contained in the Credit
Agreement, as amended hereby, and in any other Credit Document are true and
correct in all material respects on and as of the date hereof as though made on
and as of the date hereof (except insofar as such representations and
warranties relate expressly to an earlier date); (b) no Default of Event of
Default under the Credit Agreement, as amended hereby, or any other Credit
Document has occurred and is continuing; and (c) Borrower is in compliance in
all material respects with all covenants and agreements contained in the Credit
Agreement, as amended hereby, and in the other Credit Documents.

Fourth Amendment

11

 

ARTICLE VI. NO WAIVER

     SECTION 6.01 Except as expressly provided herein, (i) nothing contained in
this Amendment or any other communication between Agents and/or Lenders and the
Borrower shall be a waiver of any past, present or future violation, default or
Event of Default of the Borrower under the Credit Agreement or any Credit
Document; (ii) Agents and Lenders hereby expressly reserve any rights,
privileges and remedies under the Credit Agreement and each Credit Document
that Agents and Lenders may have with respect to each violation, default or
Event of Default, and any failure by Agents and/or Lenders to exercise any
right, privilege or remedy as a result of the violations set forth above shall
not directly or indirectly in any way whatsoever either (A) impair, prejudice
or otherwise adversely affect the rights of Agents and/or Lenders, except as
set forth herein, at any time to exercise any right, privilege or remedy in
connection with the Credit Agreement or any Credit Documents, (B) amend or
alter any provision of the Credit Agreement or any Credit Documents or any
other contract or instrument, or (C) constitute any course of dealing or other
basis for altering any obligation of the Borrower or any rights, privilege or
remedy of Agents and/or Lenders under the Credit Agreement or any Credit
Documents or any other contract or instrument; and (iii) nothing in this
Amendment shall be construed to be a consent.

ARTICLE VII. MISCELLANEOUS PROVISIONS

     SECTION 7.01 Ratification of Credit Agreement and Other Credit Documents.
Except as expressly provided herein, (i) the Credit Agreement and all other
Credit Documents shall remain unmodified and in full force and effect as
supplemented and amended hereby, and (ii) the Borrower hereby affirms all the
provisions of the Credit Agreement, as amended hereby, and the other Credit
Documents.

     SECTION 7.02 Confirmation of the Security Documents. The Borrower hereby
acknowledges and confirms that the Collateral (as defined in the Security
Documents) continues to secure the Liabilities (as defined in the Security
Documents), including those arising under the Credit Agreement, as amended
hereby.

     SECTION 7.03 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument.

     SECTION 7.04 RELEASE. THE BORROWER HEREBY ACKNOWLEDGES THAT IT HAS NO
DEFENSE, COUNTERCLAIM, OFFSET, CROSS-COMPLAINT, CLAIM OR DEMAND OF ANY KIND OR
NATURE WHATSOEVER THAT CAN BE ASSERTED TO REDUCE OR ELIMINATE ALL OR ANY PART
OF ITS LIABILITY TO REPAY THE “OBLIGATIONS” OR TO SEEK AFFIRMATIVE RELIEF OR
DAMAGES OF ANY KIND OR NATURE FROM AGENT OR LENDERS. THE BORROWER HEREBY
VOLUNTARILY AND KNOWINGLY RELEASES AND FOREVER DISCHARGES AGENT AND LENDERS,
THEIR PREDECESSORS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND
ASSIGNS, FROM ALL POSSIBLE CLAIMS, DEMANDS, ACTIONS, CAUSES OF ACTION, DAMAGES,
COSTS, EXPENSES, AND LIABILITIES WHATSOEVER, KNOWN OR UNKNOWN, ANTICIPATED OR
UNANTICIPATED, SUSPECTED OR UNSUSPECTED, FIXED, CONTINGENT, OR CONDITIONAL, AT
LAW

Fourth Amendment

12

 

OR IN EQUITY, ORIGINATING IN WHOLE OR IN PART ON OR BEFORE THE DATE THIS
AMENDMENT IS EXECUTED, WHICH THE BORROWER MAY NOW OR HEREAFTER HAVE AGAINST
AGENT AND/OR LENDERS, THEIR PREDECESSORS, OFFICERS, DIRECTORS, EMPLOYEES,
AGENTS, SUCCESSORS AND ASSIGNS, IF ANY, AND IRRESPECTIVE OF WHETHER ANY SUCH
CLAIMS ARISE OUT OF CONTRACT, TORT, VIOLATION OF LAW OR REGULATIONS, OR
OTHERWISE, AND ARISING FROM ANY “LOANS”, INCLUDING, WITHOUT LIMITATION, ANY
CONTRACTING FOR, CHARGING, TAKING, RESERVING, COLLECTING OR RECEIVING INTEREST
IN EXCESS OF THE HIGHEST LAWFUL RATE APPLICABLE, THE EXERCISE OF ANY RIGHTS AND
REMEDIES UNDER THE CREDIT AGREEMENT OR OTHER CREDIT DOCUMENTS, AND THE
NEGOTIATION OF, AND EXECUTION OF, THIS AMENDMENT.

Fourth Amendment

13

 

     IN WITNESS WHEREOF, this Amendment has been executed as of the date first
above written.

	 	 	 
	 	 	
BORROWER:
	 	 	 
	 	 	
ACE CASH EXPRESS, INC.
	 	 	 
	 	 	
By: /s/ JOE W. CONNER

Name: Joe W. Conner

Title: Sr. Vice President & Chief Financial Officer
	 	 	 
	 	 	
AGENT:
	 	 	 
	 	 	
WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION
	 	 	 
	 	 	
By: /s/ MICHAEL B. SULLIVAN

Name: Michael B. Sullivan

Title: Senior Vice President
	 	 	 
	 	 	
SYNDICATION AGENT:
	 	 	 
	 	 	
BANK OF AMERICA, N.A.
	 	 	 
	 	 	
By: /s/ E. J. JOOST

Name: E. J. Joost

Title: Managing Director
	 	 	 
	 	 	
MANAGING AGENTS:
	 	 	 
	 	 	
JPMORGAN CHASE BANK

(f/k/a THE CHASE MANHATTAN BANK)
	 	 	 
	 	 	
By: /s/ DEBBIE SOWARDS

Name: Debbie Sowards

Title: Vice President
	 	 	 
	 	 	
WACHOVIA BANK, NATIONAL ASSOCIATION

(f/k/a FIRST UNION NATIONAL BANK)
	 	 	 
	 	 	
By: /s/ M. G. HYDE

Name: M. G. Hyde

Title: Director

Fourth Amendment

 

 

	 	 	 
	 	 	
LENDERS:
	 	 	 
	 	 	
WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION
	 	 	 
	 	 	
By: /s/ MICHAEL B. SULLIVAN

Name: Michael B. Sullivan

Title: Senior Vice President
	 	 	 
	 	 	
BANK OF AMERICA, N.A.
	 	 	 
	 	 	
By: /s/ E. J. JOOST

Name: E. J. Joost

Title: Managing Director
	 	 	 
	 	 	
JPMORGAN CHASE BANK

(f/k/a THE CHASE MANHATTAN BANK)
	 	 	 
	 	 	
By: /s/ DEBBIE SOWARDS

Name: Debbie Sowards

Title: Vice President
	 	 	 
	 	 	
WACHOVIA BANK, NATIONAL ASSOCIATION

(f/k/a FIRST UNION NATIONAL BANK)
	 	 	 
	 	 	
By: /s/ M. G. HYDE

Name: M. G. Hyde

Title: Director
	 	 	 
	 	 	
NATIONAL CITY BANK
	 	 	 
	 	 	
By: /s/ MICHAEL J. DURBIN

Name: Michael J. Durbin

Title: Vice President
	 	 	 
	 	 	
HIBERNIA NATIONAL BANK
	 	 	 
	 	 	
By: /s/ FRANN J. CRIFASI

Name: Frann J. Crifasi

Title: Senior Vice President

Fourth Amendment

 

 

	 	 	 
	 	 	
TEXAS CAPITAL BANK, NATIONAL ASSOCIATION
	 	 	 
	 	 	
By: /s/ RONALD K. BAKER

Name: Ronald K. Baker

Title: Executive Vice President
	 	 	 
	 	 	
FIRST AMERICAN BANK, SSB
	 	 	 
	 	 	
By: /s/ PAUL VOORHIES

Name: Paul Voorhies

Title: Vice President

Fourth Amendment

 

 

EXHIBIT A

AMENDED AND RESTATED TERM NOTE

	 	 	 	 	 
	U.S.
$                 	 	
Dallas, Texas
	 	                                      , 2002

     FOR VALUE RECEIVED, the undersigned, ACE CASH EXPRESS, INC., a Texas
corporation (the “Borrower”), HEREBY PROMISES TO PAY to the order of
                    
(the “Lender”), for the account of
its Applicable Lending Office, as defined in that certain Amended and Restated
Credit Agreement, dated as of November 9, 2000, by and among the Borrower, the
Lender, certain other lenders from time to time parties thereto (collectively,
the “Lenders”), Wells Fargo Bank Texas, National Association, a national
banking association, as Agent for the Lenders, Bank of America, N.A., a
national banking association, as Syndication Agent, and Wachovia Bank, National
Association, a national banking association (f/k/a First Union National Bank),
and JPMorgan Chase Bank, a New York state banking corporation (f/k/a The Chase
Manhattan Bank), both as Managing Agents (as amended, modified or supplemented
from time to time, the “Credit Agreement”) (capitalized terms used herein and
not otherwise defined shall have the meanings set forth in the Credit
Agreement) or any other office designated by the Lender the principal sum of
                     DOLLARS
($                     ).

     The Borrower promises to pay interest on the unpaid principal amount of the
Term Loan from the date of such Term Loan until such principal amount is paid
in full, at such interest rates, and payable at such times, as are specified in
the Credit Agreement.

     Both principal and interest are payable in lawful money of the United States of
America to Wells Fargo Bank Texas, National Association, a national banking
association, as Agent, at 4975 Preston Park Boulevard, Suite 280, Plano, Texas
75093, in same day funds.

     All payments made on account of principal of each Term Loan, shall be recorded
by the Lender and, prior to any transfer hereof, endorsed on the grid attached
hereto which is part of this Amended and Restated Term Note (this “Note”),
provided, however, that failure of the Lender to make such notation or any
error therein shall not in any manner affect the obligation of the Borrower to
repay such Term Loans in accordance with the terms of this Note.

     This Note is one of the Term Notes referred to in, and is subject to and
entitled to the benefits of, the Credit Agreement. This Note is secured by the
Collateral described in the Credit Documents. The Credit Agreement, among
other things, contains provisions for acceleration of the maturity hereof upon
the happening of certain stated events and also for prepayments on account of
principal hereof prior to the maturity hereof upon the terms and conditions
therein specified.

     The Borrower hereby waives presentment, demand, protest, notice of intent to
accelerate, notice of acceleration and any other notice of any kind, except as
provided in the Credit Agreement. No failure to exercise, and no delay in
exercising, any rights hereunder on the part of the holder hereof shall operate
as a waiver of such rights.

AMENDED AND RESTATED TERM NOTE

1

 

     The Note amends, modifies and restates, but does not extinguish or constitute a
novation of, the indebtedness evidenced by that certain Term Note, dated
               , in the principal
amount of
$                    , executed by the Borrower and payable to the Lender,
which Term Note was given as a modification and replacement, but not in
extinguishment or novation of, the indebtedness evidenced by that certain
Amended and Restated Reducing Revolver Note, dated
                    , in the
principal amount of
$                    , executed by the Borrower and payable to
the order of the Lender. All rights, titles, liens and security interests
securing the prior notes are preserved, maintained and carried forward to
secure this Note.

     THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF
THE STATE OF TEXAS.

	 	 	 
	 	
ACE CASH EXPRESS, INC
	 	 	 
	 	
By:	 
	 		

	 	
Name:	 
	 		

	 	
Title:	 
	 		

AMENDED AND RESTATED TERM NOTE

2

 

LOANS, MATURITIES

AND PAYMENTS OF PRINCIPAL AND INTEREST

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	Rate of	 	Amount of	 	Amount of	 	 	 	 	 	 
	 	 	 	Amount	 	Interest	 	Principal	 	Interest	 	Unpaid	 	 
	Borrowing	 	 	and Type of	 	Applicable	 	Paid or	 	Paid or	 	Principal	 	Notation
	Date	 	 	Loan	 	to Loan	 	Prepaid	 	Prepaid	 	Balance	 	Made By
	
	 	 	
	 	
	 	
	 	
	 	
	 	

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 

AMENDED AND RESTATED TERM NOTE

3

 

EXHIBIT I

BORROWING NOTICE

                    , 200     

Wells Fargo Bank Texas, National Association, as Agent

4975 Preston Park Boulevard,

Suite 280

Plano, Texas 75093

     Attention: Loan Administration

Ladies and Gentlemen:

     The undersigned, ACE Cash Express, Inc., a Texas corporation (the
“Borrower”), refers to the Credit Agreement, dated as of November 9, 2000 (as
amended from time to time in accordance with its terms, the “Credit Agreement”;
capitalized terms defined therein and not defined herein being used herein as
therein defined), among the undersigned, certain Lenders parties thereto, and
Wells Fargo Bank Texas, National Association, a national banking association,
as Agent for such Lenders, and hereby gives you notice, irrevocably pursuant to
Section 2.03 of the Credit Agreement, that the undersigned hereby requests a
borrowing under the Credit Agreement, and in that connection sets forth below
the information relating to such a borrowing (the “Proposed Borrowing”) as
required by Section 2.03 of the Credit Agreement:

	 	 	 	 	 
	(A)	 	
Borrowing Date of a Proposed Borrowing

(which is a Business Day)	 	 
	 	 	
 	 	

	(B)	 	
Aggregate Principal Amount of Proposed
Borrowing	 	 
	 	 	
 	 	

	(C)	 	
Type of Loan
	 	Revolving Credit Loan
	(D)	 	
Reference Rate or Alternate Base Loan	 	 
	 	 	
 	 	

     The undersigned hereby certifies that the following statements are true on
the date hereof, and will be true on the date of the Proposed Borrowing:

     (a)  the representations and warranties contained in Article III of the
Credit Agreement are true and correct in all material respects on and as of the
date of the Proposed Borrowing, before and after giving effect to the Proposed
Borrowing and to the application of the proceeds therefrom, as though made on
and as of such date;

 

 

     (b)  no event has occurred and is continuing, or would result from the
Proposed Borrowing or from the application of the proceeds therefrom, which
constitutes an Event of Default or a Default;

     (c)  after giving effect to the Proposed Borrowing and all other borrowings
which have been requested on or prior to the date of the Proposed Borrowing but
which have not been made prior to such date, the aggregate principal amount of
Revolving Credit Loans will not exceed the aggregate of the Revolving Credit
Commitment; and

     (d)  the proceeds of such Proposed Borrowing will be used only to fund
Borrower’s working capital requirements in the ordinary course of its business.

     Attached hereto are calculations demonstrating the Borrower’s compliance
with the aforementioned financial covenants.

	 	 	 
	 	
Sincerely,
	 	 	 
	 	
ACE CASH EXPRESS, INC.
	 	 	 
	 	
By:
	 	
 	

	 	
Name:
	 	
 	

	 	
Title:
	 	
 	

2

 

SCHEDULE 2.01(a)

TERM LOAN COMMITMENTS

	 	 	 	 	 	 	 	 	 
	Lender	 	Commitment	 	Percentage of Commitment
	
	 	
	 	

	Wells Fargo Bank Texas,
National Association	 	$	15,440,137.33	 	 	 	30.97	%
	Bank of America, N.A
	 	$	11,184,294.62	 	 	 	22.44	%
	Wachovia Bank, National
Association
	 	$	8,497,158.75	 	 	 	17.05	%
	JPMorgan Chase Bank
	 	$	8,497,158.75	 	 	 	17.05	%
	National City Bank
	 	$	2,832,386.50	 	 	 	5.68	%
	Hibernia National Bank
	 	$	1,132,954.75	 	 	 	2.27	%
	Texas Capital Bank, National
Association
	 	$	1,132,954.75	 	 	 	2.27	%
	First American Bank, SSB
	 	$	1,132,954.55	 	 	 	2.27	%
	Total Term Loan Commitments
	 	$	49,850,000.00	 	 	 	100.00	%

 

 

SCHEDULE 6.19(a)

	 	 	 	 	 
	Location	 	Center #
	
	 	

	15128 Airline Hwy, Baton Rouge, LA
	 	 	724	 
	9455 Hwy. 377 South, Benbrook, TX
	 	 	1393	 
	19th Avenue & Bell Rd, Phoenix, AZ
	 	 	1222	 
	University & Extension, Mesa, AZ
	 	 	1224	 
	SWC 83rd Ave & Glendale Ave., Glendale, AZ
	 	 	1225	 

 

 

SCHEDULE 6.19(b)

	 	 	 	 	 
	Location	 	Center #
	
	 	

	51st Ave & Northern, Glendale, AZ
	 	 	1228	 
	2101 Goliad Road, San Antonio, TX
	 	 	591	 
	301 U.S. 19 No., St. Petersburgh, FL
	 	 	3323<PAGE>
                                                                   EXHIBIT 10.36

                   AMENDMENT NUMBER 3 TO EMPLOYMENT AGREEMENT

         THIS AMENDMENT NUMBER 3 TO EMPLOYMENT AGREEMENT, effective as of
February 11, 2002, is by and between Radiologix, Inc., a Delaware corporation
(the "Company"), and Mark L. Wagar ("Wagar").

         WHEREAS, the Company and Wagar entered into an Employment Agreement
dated as of May 20, 1998, which was amended effective January 1, 1999, and July
1, 2000 (as amended, the "Employment Agreement"); and

         WHEREAS, the Company and Wagar desire to further amend the Employment
Agreement to reflect an increase in Wagar's base salary and to make certain
other amendments;

         NOW, THEREFORE, in consideration of the mutual covenants and conditions
set forth herein, the parties hereby agree as follows:

         1.       Section 3.1 of the Employment Agreement is hereby deleted in
its entirety and replaced with the following new Section 3.1:

                  Section 3.1 SALARY. For the performance of Wagar's duties
         hereunder, the Company shall pay Wagar an annual salary of $442,000, in
         equal periodic installments (less required withholdings) no less
         frequently than every two weeks.

         2.       The second sentence of Section 4 of the Employment Agreement
is hereby deleted in its entirety and replaced with the following new second
sentence:

         In addition, notwithstanding the provisions of Section 5.2(b), if the
         Company terminates Wagar's employment hereunder at any time following a
         Change of Control, then immediately upon such termination of
         employment, the Company shall pay Wagar, in addition to the amounts
         required under Section 5.2(a), a lump sum severance payment in an
         amount equal to the sum of (i) the product of Wagar's then current
         annual salary for one year multiplied by two plus (ii) the product of
         Wagar's most recent annual bonus payment received for the fiscal year
         immediately preceding the Change of Control multiplied by two. In
         addition, the Company shall continue to provide Wagar with the benefits
         described in Section 3.4 until the earlier of (i) the two-year
         anniversary of the date of Wagar's termination of employment and (ii)
         the date on which Wagar obtains substantially equivalent benefits from
         another party.

         3.       Section 5.2(b) of the Employment Agreement is hereby deleted
in its entirety and replaced with the following new Section 3.1:

                  (b) In addition, if Wagar's employment is terminated under
         Sections 5.1(b), (d) or (e), then the Company shall also pay Wagar,
         immediately upon such termination of employment, a lump sum severance
         payment in an amount equal to Wagar's then current annual salary.

                                       1
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Amendment Number 3
to Employment Agreement effective as of the date first written above.

                                  RADIOLOGIX, INC.

                                  By:
                                      ------------------------------------------
                                      Paul M. Jolas
                                      General Counsel, Executive Vice President,
                                        and Secretary

                                  WAGAR:

                                  ----------------------------------------------
                                      Mark L. Wagar

                                       2

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