Document:

exv4w1xby

 

Exhibit 4.1(b)

SUPPLEMENTAL INDENTURE

     SUPPLEMENTAL INDENTURE (this “supplemental indenture”), dated as of December 21, 2004 between
DFG Canada, Inc., a Delaware corporation (the “Guarantor”), a direct subsidiary of Dollar Financial
Group, Inc. (or its successor), a New York corporation (the “Company”), and U.S. Bank National
Association, as trustee under the indenture referred to below (the “Trustee”).

WITNESSETH

     WHEREAS, the Company and the Guarantors (as defined in the Indenture) have heretofore executed
and delivered to the Trustee an indenture (the “Indenture”), dated as of November 13, 2003,
providing for the issuance of 9.75% Senior Notes due 2011 (the “Notes”).

     WHEREAS, Section 5.16 of the Indenture provides that under certain circumstances the Company
is required to cause the Guarantor to execute and deliver to the Trustee a supplemental indenture
pursuant to which the Guarantor shall unconditionally guarantee all of the Company’s obligations
under the Notes, the Indenture and the Security Documents pursuant to a Guarantee of the Notes on
the terms and conditions set forth herein;

     WHEREAS, Section 10.01(d) of the Indenture permits a Guarantor to supplement the Indenture to
provide additional benefits to Holders of the Notes without the consent of any Holders; and

     NOW THEREFORE, in consideration of the foregoing and for other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, the Guarantor and the
Trustee mutually covenant and agree for the equal and ratable benefit of the Holders of the Notes
as follows:

     1. CAPITALIZED TERMS. Capitalized terms used herein without definition
shall have the meanings assigned to them in the Indentures.

     2. AGREEMENT TO GUARANTEE. The Guarantor hereby agrees, jointly
and severally with all other Guarantors, to guarantee the Company’s obligations under the
Notes, the Indenture and the Security Documents on the terms and subject to the conditions
set forth in Article Eleven of the Indenture and to be bound by all other applicable
provisions of the Indenture.

     3. NO RECOURSE AGAINST OTHERS. No director, officer, employee,
incorporator or stockholder of the Company or any Guarantor, as such, shall have any
liability for any obligations of the Company or any Guarantor under the Notes, the
Guarantees of the Notes, the Indenture, the Registration Rights Agreement, the Pledge
Agreements or the Intercreditor Agreement or for any claim based on, in respect of, or by
reason of, such obligations or their creation. Each Holder of Notes by accepting a Note
waives and releases all such liability. The waiver and release are part of the consideration
for issuance of the Notes. Such waiver may not be effective to waive liabilities under the

 

 

federal securities laws and it is the view of the SEC that such a waiver is against
public policy.

     4. EFFECTIVENESS. This supplemental indenture shall be effective upon
execution by the parties hereto.

     5. RECITALS. The recitals contained herein shall be taken as the statements of
the Company and the Guarantors and the Trustee assumes no responsibility for their
correctness. The Trustee makes no representations as to the validity of this supplemental
indenture.

     6. NEW YORK LAW TO GOVERN. THE INTERNAL LAWS OF THE
STATE OF NEW YORK SHALL GOVERN AND BE USED TO CONSTRUE THIS
SUPPLEMENTAL INDENTURE.

     7. COUNTERPARTS. The parties may sign any number of copies of this
supplemental indenture (including by telecopier transmission). Each signed copy shall be an
original, but all of them together represent the same agreement.

     8. EFFECT OF HEADINGS. The Section headings herein are for convenience
only and shall not affect the construction hereof.

	 	 	 	 	 
	 	 	DFG Canada, Inc., 
a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Donald Gayhardt
	 

	 	 	 	 
	 

	 	Name:
	 	Donald Gayhardt
	 

	 	Title:
	 	Presidentexv4w1xcy

 

Exhibit 4.1(c)

SUPPLEMENTAL INDENTURE

     SUPPLEMENTAL
INDENTURE (this “supplemental indenture”), dated as of February
22, 2005, between WTP Acquisition Corp., a Delaware corporation (the “Guarantor”), a direct
subsidiary of Dollar Financial Group, Inc. (or its successor), a New York corporation (the
“Company”), and U.S. Bank National Association, as trustee under the indenture referred to
below (the “Trustee”).

WITNESSETH

     WHEREAS, the Company and the Guarantors (as defined in the Indenture) have heretofore
executed and delivered to the Trustee an indenture (the “Indenture”), dated as of November 13,
2003, providing for the issuance of 9.75% Senior Notes due 2011 (the “Notes”).

     WHEREAS, Section 5.16 of the Indenture provides that under certain circumstances the
Company is required to cause the Guarantor to execute and deliver to the Trustee a
supplemental indenture pursuant to which the Guarantor shall unconditionally guarantee all of
the Company’s obligations under the Notes, the Indenture and the Security Documents pursuant
to a Guarantee of the Notes on the terms and conditions set forth herein;

     WHEREAS, Section 10.01(d) of the Indenture permits a Guarantor to supplement the
Indenture to provide additional benefits to Holders of the Notes without the consent of any
Holders; and

     NOW THEREFORE, in consideration of the foregoing and for other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, the Guarantor and the
Trustee mutually covenant and agree for the equal and ratable benefit of the Holders of the
Notes as follows:

     1. CAPITALIZED TERMS. Capitalized terms used herein without definition
shall have the meanings assigned to them in the Indentures.

     2. AGREEMENT TO GUARANTEE. The Guarantor hereby agrees, jointly
and severally with all other Guarantors, to guarantee the Company’s obligations under the
Notes, the Indenture and the Security Documents on the terms and subject to the
conditions
set forth in Article Eleven of the Indenture and to be bound by all other applicable
provisions of the Indenture.

     3. NO RECOURSE AGAINST OTHERS. No director, officer, employee,
incorporator or stockholder of the Company or any Guarantor, as such, shall have any
liability for any obligations of the Company or any Guarantor under the Notes, the
Guarantees of the Notes, the Indenture, the Registration Rights Agreement, the Pledge
Agreements or the Intercreditor Agreement or for any claim based on, in respect of, or by
reason of, such obligations or their creation. Each Holder of Notes by accepting a Note
waives and releases all such liability. The waiver and release are part of the
consideration
for issuance of the Notes. Such waiver may not be effective to waive liabilities under
the

 

 

federal securities laws and it is the view of the SEC that such a waiver is against public
policy.

     4, EFFECTIVENESS. This supplemental indenture shall be effective upon
execution by the parties hereto.

     5. RECITALS. The recitals contained herein shall be taken as the statements of
the Company and the Guarantors and the Trustee assumes no responsibility for their
correctness. The Trustee makes no representations as to the validity of this supplemental
indenture.

     6. NEW YORK LAW TO GOVERN. THE INTERNAL LAWS OF THE STATE OF NEW YORK SHALL GOVERN
AND BE USED TO CONSTRUE THIS
SUPPLEMENTAL INDENTURE.

     7. COUNTERPARTS. The parties may sign any number of copies of this
supplemental indenture (including by telecopier transmission). Each signed copy shall be an
original, but all of them together represent the same agreement.

     8. EFFECT OF HEADINGS. The Section headings herein are for convenience
only and shall not affect the construction hereof.

	 	 	 	 	 
	 	 	WTP Acquisition Corp.,

a Delaware corporation
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Donald Gayhardt
	 

	 	 	 	 
	 

	 	 	 	Donald Gayhardt, Presidentexv10w19xcy

 

Exhibit 10.19(c)

REAFFIRMATION OF INTERCREDITOR AGREEMENT

     THIS REAFFIRMATION OF INTERCREDITOR AGREEMENT (the “Reaffirmation”) is made and dated as of
the 8th day of July, 2005, by and between WELLS FARGO BANK, NATIONAL ASSOCIATION, a national
banking association, as administrative agent (in such capacity, the “Administrative Agent”) for the
Lenders (as that term and capitalized terms used herein are defined in the Intercreditor Agreement
referred to below) under the Credit Facility Documents, and U.S. BANK NATIONAL ASSOCIATION, a
national banking association, as trustee (in such capacity, the
“Noteholder Trustee”) for the
holders of the Notes under the Noteholder Documents.

RECITALS

     A. Pursuant to that certain Intercreditor Agreement dated as of November 12, 2003 by and
between the Administrative Agent and the Noteholder Trustee (the “Intercreditor Agreement”), the
Administrative Agent, on behalf of itself and the lenders from time to time party to the Credit
Agreement, and the Noteholder Trustee, on behalf of itself and the Noteholders, established certain
agreements regarding the relationship of the respective credit facilities extended by them to
Dollar Financial Group, Inc., a New York corporation (the “Company”).

     B. The Company, the Administrative Agent, and a group of lenders consisting of certain of the
existing lenders party to the Credit Agreement together with new lenders (collectively, the
“Current Lenders”) have agreed to amend the Credit Agreement in certain respects and, for
convenience of reference, to restate the Credit Agreement in its entirety as set forth in that
certain Third Amended and Restated Credit Agreement dated concurrently herewith by and among the
Company, the Parent, the Current Lenders, the Administrative Agent, U.S. Bank National
Association, as Syndication Agent, and Manufacturers and Traders Trust Company, as Documentation
Agent (as amended, extended, and replaced from time to time, the “Replacement Credit Agreement”).

     C. As a condition to the effectiveness of the Replacement Credit Agreement, the Administrative
Agent and the Noteholder Trustee are required to reaffirm the continuing effectiveness of the
Intercreditor Agreement.

     NOW, THEREFORE, in consideration of the above Recitals and for other good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, the undersigned hereby
agrees as follows:

AGREEMENT

     1. Reaffirmation of Intercreditor Agreement. Each of the Administrative Agent and the
Noteholder Trustee hereby affirms and agrees that:

          (a) All
references in the Intercreditor Agreement to the “Credit Agreement” shall be deemed
references to the Replacement Credit Agreement.

          (b) The execution and delivery by the Company, the Parent, the Subsidiary Guarantors, and the
Foreign Subsidiaries of the Replacement Credit Agreement and/or any Credit Facility Document
delivered in connection therewith and the performance by the Company, the Parent, the Subsidiary
Guarantors, and the Foreign Subsidiaries of their respective obligations under the Replacement
Credit Agreement or any Credit Facility Document delivered in connection therewith shall not in any
way amend, impair, invalidate or otherwise affect the terms and conditions of the Intercreditor
Agreement; and

1

 

          (b) The
Intercreditor Agreement remains in full force and effect.

     2. Governing Law. Notwithstanding anything contained in the Intercreditor Agreement, the
parties hereto agree that as of the date of this Reaffirmation and at all times thereafter, the
Intercreditor Agreement and this Reaffirmation shall be governed by and construed in accordance
with the laws of the State of New York without giving effect to its choice of law rules, and that
any specific reference in the Intercreditor Agreement to any provision of the laws of any other
jurisdiction shall hereinafter be deemed to be a reference to the analogous provision of the laws
of the State of New York, if any.

     3. Counterparts.
This Reaffirmation may be executed in counterparts, which taken together
shall constitute one and the same agreement.

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

	 	 	 	 	 
	 	 	WELLS FARGO BANK, NATIONAL ASSOCIATION,
	 	 	as Administrative Agent
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Alex Y. Kim
	 

	 	 	 	 
	 

	 	Name:
	 	Alex Y. Kim
	 

	 	 	 	 
	 

	 	Title:
	 	Vice President
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	WELLS FARGO BANK, NATIONAL ASSOCIATION,
	 	 	as Bailee
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Alex Y. Kim
	 

	 	 	 	 
	 

	 	Name:
	 	Alex Y. Kim
	 

	 	 	 	 
	 

	 	Title:
	 	Vice President
	 

	 	 	 	 
	 
	 	 	 	 
	 	 	U.S. BANK NATIONAL ASSOCIATION,
	 	 	as Noteholder Trustee
	 
	 	 	 	 
	 

	 	By:	 	 
	 

	 	 	 	 
	 

	 	Name:	 	 
	 

	 	 	 	 
	 

	 	Title:	 	 
	 

	 	 	 	 

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ACKNOWLEDGMENT BY COMPANY AND GUARANTORS

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

	 	 	 	 	 
	 	 	DOLLAR FINANCIAL GROUP, INC.
	 	 	ANY KIND CHECK CASHING CENTERS, INC.
	 	 	CASH UNLIMITED OF ARIZONA, INC.
	 	 	CHECK MART OF LOUISIANA, INC.
	 	 	CHECK MART OF NEW MEXICO, INC.
	 	 	CHECK MART OF PENNSYLVANIA, INC.
	 	 	CHECK MART OF TEXAS, INC.
	 	 	CHECK MART OF WISCONSIN, INC.
	 	 	DFG CANADA, INC.
	 	 	DFG INTERNATIONAL, INC.
	 	 	DFG WORLD, INC.
	 	 	DOLLAR FINANCIAL CORP.
	 	 	DOLLAR FINANCIAL INSURANCE CORP.
	 	 	FINANCIAL EXCHANGE COMPANY OF OHIO, INC.
	 	 	FINANCIAL EXCHANGE COMPANY OF PENNSYLVANIA, INC.
	 	 	FINANCIAL EXCHANGE COMPANY OF PITTSBURGH, INC.
	 	 	FINANCIAL EXCHANGE COMPANY OF VIRGINIA, INC.
	 	 	LOAN MART OF OKLAHOMA, INC.
	 	 	MONETARY MANAGEMENT CORPORATION OF PENNSYLVANIA
	 	 	MONETARY MANAGEMENT OF CALIFORNIA, INC.
	 	 	MONETARY MANAGEMENT OF MARYLAND, INC.
	 	 	MONETARY MANAGEMENT OF NEW YORK, INC.
	 	 	MONEYMART, INC.
	 	 	MONEY MART EXPRESS, INC.
	 	 	PACIFIC RING ENTERPRISES, INC.
	 	 	PD RECOVERY, INC., f/k/a QTV Holdings, Inc.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Donald Gayhardt
	 

	 	 	 	 
	 

	 	Name:
	 	Donald Gayhardt
	 

	 	Title:
	 	President
	 
	 	 	 	 
	 	 	WE THE PEOPLE USA, INC., f/k/a WTP Acquisition Corp.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Donald Gayhardt
	 

	 	 	 	 
	 

	 	Name:
	 	Donald Gayhardt
	 

	 	Title:
	 	Executive Vice President

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