Document:

EXHIBIT 10(bo)

                                ADDENDUM NO. 2

                                    to the

                           GENERAL AGENCY AGREEMENT
                          Effective:  March 1, 1992

                                   between

                STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY
                              Fort Worth, Texas

                                     and

                            BROKERS GENERAL, INC.
                                Dallas, Texas

 IT IS HEREBY AGREED, effective August 15, 1994, that all references in this
 Agreement to "Brokers General, Inc." shall be amended to read "American
 Hallmark General Agency, Inc., Dallas, Texas."

 The provisions of this Agreement shall remain otherwise unchanged.

 IN WITNESS WHEREOF the parties hereto have caused this Addendum to be
 executed by their duly authorized representatives at:

 Fort Worth, Texas, this __________ day of ___________________________, 20__.

                ________________________________________________________
                STATE AND COUNTY MUTUAL FIRE INSURANCE COMPANY

 Dallas, Texas, this __________ day of _______________________________, 20__.

                ________________________________________________________
                AMERICAN HALLMARK GENERAL AGENCY, INC.EXHIBIT 10(bp)

                        THIRD RENEWAL PROMISSORY NOTE

 $1,719,331.00                                               November 8, 2001

      FOR VALUE RECEIVED, the undersigned, Hallmark Financial Services, Inc.,
 A Nevada corporation  with its principal  offices at  14651 Dallas  Parkway,
 Suite 900, Dallas, TX 75240,  ("Maker"), hereby unconditionally promises  to
 pay to the order of DORINCO REINSURANCE COMPANY, a Michigan corporation with
 its principal offices at 1320 Waldo Avenue, Midland, MI 48642 ("Payee"),  by
 wire transfer  so  as  to constitute  immediately  available  funds,  or  as
 otherwise directed, the principal sum of One Million Seven Hundred  Nineteen
 Thousand Three Hundred Thirty-One  Dollars ($1,719,331.00), in lawful  money
 of the United States of America,  together with interest (calculated on  the
 basis of a 360  day year), on the  unpaid principal balance from  day-to-day
 remaining, computed from  the date  hereof until  maturity at  the rate  per
 annum which shall from day-to-day be equal to the lesser of (a) the  maximum
 rate allowable by law, or (b) eight and one-quarter percent (8.25%).

      The principal of and interest upon  this Note shall be due and  payable
 as follows:

      (a) Five (5)  quarterly installments of  accrued interest  only due  on
          the  last  day  of   each  March,  June,  September  and   December
          commencing December 31, 2001, and continuing through and  including
          December 31, 2002; plus

      (b) Nine  (9)  quarterly installments  of  accrued  interest  plus  One
          Hundred  Eighty-Two   Thousand  Dollars   ($182,000.00)   principal
          reduction due on  the last day of  each March, June, September  and
          December commencing  March  31, 2003,  and continuing  through  and
          including March 31, 2005; plus

      (c) A final  payment of  all previously  unpaid principal  and  accrued
          interest due on June 30, 2005.

      All past due principal and, to the extent permitted by applicable  law,
 past due interest upon this  Note shall bear interest  at the lesser of  the
 maximum rate allowable by law or thirteen percent (13%) per annum.

      All payments shall be  made to Citibank, N.A.,  New York (ABA  #021-00-
 0089) for credit to  the account of Payee,  Account Number 3900-6944, if  by
 wire, or,  if  by  check  to  Box #8157,  Citibank,  P.  O.  Box  7247-8157,
 Philadelphia, PA 19170.

      The occurrence  of  any one  or  more  of the  following  events  shall
 constitute an Event of Default under this Note:

      (a)  the failure to pay any amount  hereunder within ten (10)  business
           days  of  the  due  date  (whether  at  maturity,  by  reason   of
           acceleration or otherwise); or

      (b)  any other  event of  default under  that certain  Loan  Agreement,
           dated as of March 10, 1997 between Maker and Payee, as amended  by
           an Amendment No. 1

<PAGE>

 Hallmark Financial Services, Inc.
 THIRD RENEWAL PROMISSORY NOTE
 November 8, 2001
 Page 2

           executed by Maker  on July  31, 1998 and  by Payee  on August  14,
           1998; an Amendment No. 2 dated  March 5, 1999; an Amendment No.  3
           dated November 19, 1999; and an Amendment No. 4 dated November  8,
           2001.

      Maker agrees that  if such  Event of  Default under  this Note  occurs,
 then, at  the option  of Payee,  all or  any part  of the  unpaid  principal
 balance of this Note and accrued  interest shall immediately become due  and
 payable without notice  or demand.   Failure of Payee  hereof to assert  any
 right contained herein shall not be deemed to be a wavier thereof.

      Maker may prepay this Note, in  whole or in part,  at any time or  from
 time to time, without liquidated damages or other penalty.

      In the event any one or  more of the provisions  of the Note shall  for
 any reason be held to be invalid, illegal, or unenforceable, in whole or  in
 part or  in any  respect, or  in  the event  that any  one  or more  of  the
 provisions of this Note operate or could prospectively operate to invalidate
 this Note, then and in either or those events, such provision or  provisions
 shall be modified to the minimum extent necessary to make the application of
 such provision or provisions valid and enforceable and shall not affect  any
 other provision of this Note and the remaining provisions of this Note shall
 remain operative  and in  full force  and  effect and  shall  in no  way  be
 affected, prejudiced, or disturbed thereby.

      Make hereby forever  waives presentment, demand  for payment,  protest,
 notice of protest, notice  of dishonor of this  Note, and all other  demands
 and notices in  connection with the  delivery, acceptance, performance,  and
 enforcement of  this Note.    Maker further  agrees  to indemnify  and  hold
 harmless Payee for all costs  of collection including reasonable  attorneys'
 fees and expenses that Payee may incur by reason of Maker's failure promptly
 to pay when due the indebtedness evidenced by this Note.

      This Note shall  be paid  without deduction  by reason  of any  setoff,
 defense, or counterclaim of Maker.

      No amendment or waiver of any provision of this Note nor consent to any
 departure by Make therefrom shall in any event be effective unless the  same
 shall be in writing  and signed by  Payee, and then  such waiver or  consent
 shall be  effective only  in  the specific  instance  and for  the  specific
 purpose for which given.

      No failure  on  the  part  of  Payee  to  exercise,  and  no  delay  in
 exercising, any right hereunder shall operate as a waiver thereof; nor shall
 any single or partial exercise of any right hereunder preclude any other  or
 further exercise thereof or the exercise  of any other right.  The  remedies
 herein provided are cumulative and not exclusive of any remedies provided by
 law.
<PAGE>

 Hallmark Financial Services, Inc.
 THIRD RENEWAL PROMISSORY NOTE
 November 8, 2001
 Page 3

      This Note shall  be governed by  and construed in  accordance with  the
 laws of the State of Michigan and  shall be binding upon the successors  and
 assigns of  Maker and  shall insure  to the  benefit of  the successors  and
 assigns of Payee.

      THIS NOTE IS AN EXTENSION AND RENWAL OF THE UNPAID PRINCIPAL BALANCE OF
 THAT CERTAIN PROMISSORY NOTE  FROM MAKER TO PAYEE  DATED MARCH 11, 1997,  IN
 THE  ORIGINAL  PRINCIPAL  AMOUNT  OF  $7,000,000.00;  THAT  CERTAIN  RENEWAL
 PROMISSORY NOTE FROM  MAKER TO  PAYEE DATED MARCH  5, 1999  IN THE  ORIGINAL
 PRINCIPAL  AMOUNT  OF  $7,000,000.00;   AND  THAT  CERTAIN  SECOND   RENEWAL
 PROMISSORY NOTE FROM MAKER TO PAYEE DATED NOVEMBER 19, 1999 IN THE  ORIGINAL
 PRINCIPAL AMOUNT OF $3,033,330.00.

                                  HALLMARK FINANCIAL SERVICES, INC.

                                  By:__________________________________
                                  Name:  Linda H. Sleeper
                                  Title: PresidentExhibit 10.64

                              FIRST ADDENDUM TO
                        EXECUTIVE EMPLOYMENT AGREEMENT

      This First Addendum to Executive Employment Agreement (the "Addendum")
 is made this 21st day of March, 2002, by and between First Cash Financial
 Services, Inc. (the "Company"), a Delaware corporation, and Phillip Eric
 Powell (the "Executive").  The Company and Executive may be hereinafter
 collectively referred to as the "Parties."

 I.   RECITALS

 A.   Executive is employed by the Company pursuant to an Executive
      Employment Agreement dated as of September 30, 2000 (the "Original
      Agreement").

 B.   The Parties jointly wish to make additions to the Original Agreement.

 C.   The additions to the Original Agreement are set forth in this Addendum.

                                  AGREEMENT:

      NOW, THEREFORE, in consideration of the promises, terms, covenants and
 conditions set forth herein and in the Original Agreement, and for other
 good and valuable consideration, the receipt of which is undisputed and
 hereby acknowledged, the Parties agree as follows:

      1.   Extension of Term.  Executive  has met the stipulated  performance
 criteria established by the  Board.  Accordingly,  pursuant to the  Original
 Agreement, Executive's term of Employment has been extended through December
 31, 2006.

      2.   Base Salary.   As  a result  of Executive  meeting the  stipulated
 performance  criteria  established  by  the  Board,  in  August  2001,   the
 Executive's annual base salary was increased to $400,000 for the period from
 August 20, 2001 until  December 31, 2001.   Again as  a result of  Executive
 meeting the stipulated  performance criteria, in  January 2002,  Executive's
 annual base salary for  the year ending December  31, 2002 was increased  to
 $500,000.  During the remaining term of Executive's employment,  Executive's
 annual base salary shall not be decreased, but shall be adjusted annually in
 each December at  a rate  of no less  than 10%  of the  current year's  base
 salary.  In addition, the compensation committee of the Board may  determine
 such other  adjustments  as may  be  appropriate based  on  the  Executive's
 performance during the  most recent performance  period, in accordance  with
 the Company's compensation policies.

      3.    Interpretation.

 a.   No Other Additions.  Sections 1  and 2 of this Addendum constitute  the
 only additions to  the Original Agreement,  all other  terms and  conditions
 therein shall remain unaltered.

 b.   Definitions.   All  capitalized terms  used  herein and  not  otherwise
 defined shall  have  the same  meaning  assigned  to them  in  the  Original
 Agreement.

 c.   Severability.   Should  any one  or  more  of the  provisions  of  this
 Addendum be determined to be illegal or unenforceable, all other  provisions
 of this Addendum  shall be  given effect  separately from  the provision  or
 provisions determined  to  be illegal  or  unenforceable and  shall  not  be
 effected thereby.

 d.   Choice of Law.   This Addendum shall be  governed by, and construed  in
 accordance with, the laws of the State of Texas.

 f.   Headings.  The  headings of sections  and paragraphs  of this  Addendum
 have been inserted for convenience of reference only and do not constitute a
 part of this Addendum.

 g.   Counterparts.  This Addendum may  be executed in multiple  counterparts
 with the same effect as if  all parties had signed  the same document.   All
 such counterparts shall be deemed an  original, shall be construed  together
 and shall constitute one and the same instrument.

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

 FIRST CASH FINANCIAL SERVICES, INC.

      -----------------------
 By:  Richard T. Burke
      Director

      EXECUTIVE

      -----------------------
      Phillip Eric Powell

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