Document:

Prepared by MERRILL CORPORATION

August 10, 2001

 

F.Y.I. Incorporated

3232 McKinney Avenue, Suite 900

Dallas, Texas  75204

Attention:      Barry

L. Edwards

 

Re:          Credit Agreement dated as of April 3,

2001 among F.Y.I. Incorporated ("F.Y.I."), the lenders party

thereto and Bank of America, N.A., as administrative agent (the "Administrative

Agent"), as amended (as the same may be further amended or otherwise

modified from time to time, the "Credit Agreement";

capitalized terms used and not otherwise defined herein shall have the meanings

set forth in the Credit Agreement)

 

Ladies and Gentlemen:

 

F.Y.I. has advised the Administrative Agent and the

Lenders that commencing on June 30, 2001 and continuing through the date hereof

F.Y.I.'s Consolidated Net Worth has been less than the minimum amount required

by Section 10.1 of the Credit Agreement, and therefore an Event of

Default exists under Section 11.1(c) of the Credit Agreement by reason

of F.Y.I.'s failure to comply with the financial covenant set forth in Section

10.1 during such period (the "Existing Default" and such

covenant, the "Violated Covenant").  In accordance with the Credit Agreement, F.Y.I. has requested

that the Lenders waive the Existing Default.

 

F.Y.I. has also advised the Administrative Agent and

the Lenders that F.Y.I. would like to exclude any after tax gain related to the

disposition of the assets of MAVRICC Management Systems ("MAVRICC")

from the calculation of Consolidated Net Income for the fiscal quarter ending

September 30, 2001 (the "Affected Fiscal Quarter") for

purposes of computation of the minimum Consolidated Net Worth required by Section

10.1 as of the end of the Affected Fiscal Quarter.  An explanation of the reasons for the

requested exclusion of any after tax gains related to the MAVRICC Disposition

(as such term is defined below) is included in the letter dated July 31, 2001

from Barry L. Edwards of F.Y.I. to Steven A. Mackenzie of the Administrative

Agent, a true and correct copy of which is attached as Exhibit A hereto.

 

Subject to the terms and conditions of this letter

(the "Waiver Letter"), each of the undersigned Lenders (a)

waives the Existing Default and agrees not to exercise any rights or remedies

available as a result of the occurrence thereof for the period from June 30,

2001 to the earlier to occur of (i) the disposition by F.Y.I. of the assets of

MAVRICC in accordance with the terms of the conditional consent set forth in Section

2.5 of the First Amendment to Credit Agreement dated as of June 27, 2001

among F.Y.I., the Administrative Agent and the Lenders (the "MAVRICC

Disposition"), or (ii) August 31, 2001, and (b) agrees to allow F.Y.I.

to exclude after tax gains of up to $6,500,000 related to the MAVRICC

Disposition from the calculation of Consolidated Net Income for the Affected

Fiscal Quarter for purposes of computation of the minimum Consolidated Net

Worth required by Section 10.1 as of the end of the Affected Fiscal

Quarter.

 

To induce the Administrative Agent and the Lenders to

agree to the terms of this Waiver Letter, F.Y.I. and the other Loan Parties (by

their execution below) agree that:

 

1.             The waiver specifically described herein shall not

constitute and shall not be deemed a waiver of any other Default or Event of

Default, whether arising as a result of the further violations of the Violated Covenant

or otherwise, or a waiver of any rights or remedies arising as a result of such

other Defaults or Events of Default. 

The failure to comply with the Violated Covenant for any date, or any

period ending on any date, other than as described above shall constitute an

Event of Default.

 

2.             Except as

specifically set forth herein, all terms and provisions of the Loan Documents,

all rights of Administrative Agent and the Lenders thereunder and all

obligations of F.Y.I. and the other Loan Parties thereunder shall remain in

full force and effect and are ratified and confirmed in all respects.  F.Y.I. and each Loan Party agree to strictly

comply with the Loan Documents.

 

3.             The Credit

Agreement and the other Loan Documents shall continue to be legal, valid, binding

and enforceable in accordance with their respective terms.

 

IN ADDITION, TO INDUCE THE ADMINISTRATIVE AGENT AND

THE LENDERS TO AGREE TO THE TERMS OF THIS WAIVER LETTER, F.Y.I. AND EACH LOAN

PARTY (BY ITS EXECUTION BELOW) REPRESENTS AND WARRANTS THAT AS OF THE DATE OF

ITS EXECUTION OF THIS WAIVER LETTER THERE ARE NO CLAIMS OR OFFSETS AGAINST OR

DEFENSES OR COUNTERCLAIMS TO ITS OBLIGATIONS UNDER THE LOAN DOCUMENTS AND IN

ACCORDANCE THEREWITH IT:

 

(a)           WAIVER.  WAIVES ANY AND ALL SUCH CLAIMS, OFFSETS, DEFENSES

OR COUNTERCLAIMS, WHETHER KNOWN OR UNKNOWN, ARISING PRIOR TO THE DATE OF ITS

EXECUTION OF THIS WAIVER LETTER AND

 

(b)           RELEASE.  RELEASES AND DISCHARGES THE ADMINISTRATIVE

AGENT AND THE LENDERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS,

SHAREHOLDERS, AFFILIATES AND ATTORNEYS (COLLECTIVELY THE "RELEASED

PARTIES") FROM ANY AND ALL OBLIGATIONS, INDEBTEDNESS, LIABILITIES,

CLAIMS, RIGHTS, CAUSES OF ACTION OR DEMANDS WHATSOEVER, WHETHER KNOWN OR

UNKNOWN, SUSPECTED OR UNSUSPECTED, IN LAW OR EQUITY, WHICH F.Y.I. OR ANY LOAN

PARTY EVER HAD, NOW HAS, CLAIMS TO HAVE OR MAY HAVE AGAINST ANY RELEASED PARTY

ARISING PRIOR TO THE DATE HEREOF AND FROM OR IN CONNECTION WITH THE LOAN

DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED THEREBY.

 

F.Y.I. also represents

and warrants to the Administrative Agent and each Lender that the following

statements are true, correct and complete: (a) after giving effect to this

Waiver Letter, no Default or Event of Default has occurred and is continuing;

(b) after giving effect to this Waiver Letter, the representations and

warranties set forth in the Loan Documents are true and correct in all material

respects on and as of the date hereof with the same effect as though made on

and as of such date except with respect to any representations and warranties

limited by their terms to a specific date; and (c) the execution, delivery and

performance of this Waiver Letter has been duly authorized by all necessary

action on the part of F.Y.I. and each Loan Party.

 

THIS WAIVER LETTER EMBODIES THE FINAL, ENTIRE

AGREEMENT AMONG THE PARTIES HERETO AND SUPERSEDES ANY AND ALL PRIOR

COMMITMENTS, AGREEMENTS, REPRESENTATIONS AND UNDERSTANDINGS WHETHER WRITTEN OR

ORAL RELATING TO THE SUBJECT MATTER HEREOF, AND MAY NOT BE CONTRADICTED OR VARIED

BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OR

DISCUSSIONS OF THE PARTIES HERETO.  This

Waiver Letter shall be governed by and construed in accordance with the

internal laws of the State of Texas without regard to conflicts of law principles.  This Waiver Letter may be executed in one or

more counterparts and on telecopied counterparts each of which shall be deemed

an original but all of which together shall constitute one and the same agreement.

 

[Remainder of page

intentionally left blank; signature pages to follow.]

 

	

   

  	

  Very truly yours,

  
	

   

  	

  BANK OF AMERICA, N.A.,

  
	

   

  	

  as Administrative Agent

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ S.M. Paul

  
	

   

  	

  Name:

  	

  Suzanne M. Paul

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  BANK OF AMERICA,

  N.A., as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Steven A.Mackenzie

  
	

   

  	

  Name:

  	

  Steven A.

  Mackenzie

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  SUNTRUST BANK,

  as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Daniel S.

  Komitar

  
	

   

  	

  Name:

  	

  Daniel S.

  Komitar

  
	

   

  	

  Title:

  	

  Director

  
	

   

  	

   

  
	

   

  	

  WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION, as a

  Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Zach Johnson

  
	

   

  	

  Name: 

  	

  Zach Johnson

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  BANK ONE, NA, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:  

  	

  /s/ Thomas R. Froes

  
	

   

  	

  Name: 

  	

  Thomas R. Froes

  
	

   

  	

  Title:  

  	

  Authorized Signatory

  
	

   

  	

   

  
	

   

  	

  BNP PARIBAS, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:  

  	

  /s/ Jeff Tebeaux

  	

  /s/

  	

  Henry F. Setina

  
	

   

  	

  Name: 

  	

  Jeff Tebeaux

  	

  Henry F. Setina

  
	

   

  	

  Title:  

  	

  Associate

  	

  Associate

  
	

   

  	

   

  
	

   

  	

  FIRST UNION NATIONAL BANK, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:  

  	

  /s/ Nicholas A.J. Hahn

  
	

   

  	

  Name: 

  	

  Nicholas A.J. Hahn

  
	

   

  	

  Title:  

  	

  Assistant Vice President

  
								

 

	

   

  	

  THE BANK OF NOVA

  SCOTIA, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ F.C.H. Ashby

  
	

   

  	

  Name:

  	

  F.C.H. Ashby

  
	

   

  	

  Title:

  	

  Senior Manager Loan Operations

  
	

   

  	

   

  
	

   

  	

  THE CHASE MANHATTAN BANK, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Michael D.S. Kerner

  
	

   

  	

  Name:

  	

  Michael D.S. Kerner

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  WACHOVIA BANK, N.A., as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Bradford L. Watkins

  	 

	

   

  	

  Name:

  	

  Bradford L. Watkins

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  WASHINGTON MUTUAL BANK, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Bruce Kendrex

  	 

	

   

  	

  Name:

  	

  Bruce Kendrex

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  TEXAS CAPITAL BANK, NATIONAL ASSOCIATION, as a

  Lender

  
	

   

  	

   

  
	

   

  	

  By: 

  	

  /s/ Paul Howell

  	 

	

   

  	

  Name:

  	

  Paul Howell

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  
	

   

  	

  RAYMOND JAMES BANK, FSB, as a Lender

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ William C. Beiler

  	 

	

   

  	

  Name:

  	

  William C. Beiler

  
	

   

  	

  Title:

  	

  Executive Vice President

  
	

   

  	

   

  	

  Chief Credit Officer

  
						

 

Accepted and agreed to

as of the date first written above:

 

BORROWER:

F.Y.I. INCORPORATED

 

	

  By:

  	

  /s/ Barry L. Edwards

  	

   

  
	

  Name:

  	

  Barry L. Edwards

  	

   

  
	

  Title:

  	

  Executive Vice President and Chief

  Financial Officer

  	

   

  
						

 

LOAN

PARTIES:

ADVANCED DIGITAL

GRAPHICS, INC.

AMERICAN ECONOMICS GROUP

ACQUISITION CORP.

AMERICAN ECONOMICS GROUP,

INC.

APS SERVICES ACQUISITION CORP.

ASSOCIATE RECORD TECHNICIAN SERVICES ACQUISITION CORP.

B&B

(BALTIMORE-WASHINGTON) ACQUISITION CORP.

BANKNOTE PRINTING COMPANY

CALIFORNIA MEDICAL RECORD

SERVICE ACQUISITION CORP.

CH ACQUISITION CORP.

COPY RIGHT ACQUISITION

CORP.

COPY RIGHT, INC.

CREATIVE MAILINGS, INC.

DATA ENTRY &

INFORMATIONAL SERVICES ACQUISITION CORP.

DATA ENTRY &

INFORMATIONAL SERVICES, INC.

DELIVEREX ACQUISITION

CORP.

DISC ACQUISITION CORP.

DOCTEX ACQUISITION CORP.

DPAS ACQUISITION CORP.

EAGLE LEGAL SERVICES

ACQUISITION CORP.

ECONOMIC RESEARCH

SERVICES, INC.

EXIGENT COMPUTER GROUP

ACQUISITION CORP.

EXIGENT COMPUTER GROUP,

INC.

F.Y.I. CORPORATE

ACQUISITION CORP.

F.Y.I. DIRECT INC.

FYIDOCS.COM INC.

F.Y.I.ETRIEVE

INCORPORATED

F.Y.I. GOVERNMENT SERVICES

INC.

F.Y.I. HEALTHSERVE

INCORPORATED

F.Y.I. IMAGE INC.

F.Y.I. INPUT INC.

F.Y.I. INTEGRATED

SOLUTIONS INC.

F.Y.I. INVESTMENTS

HOLDING, INC.

F.Y.I. LEGAL INCORPORATED

F.Y.I. LEGALSERVE

INCORPORATED

F.Y.I. MANAGEMENT, INC.

F.Y.I. PRINT INC.

F.Y.I. RADIOLOGY, INC.

F.Y.I. RECORDS INC.

F.Y.I. STORAGE INC.

GLOBAL DIRECT ACQUISITION

CORP.

GLOBAL DIRECT, INC.

HEALTHSERVE V.C. CORP.

IMAGENT ACQUISITION CORP.

IMC MANAGEMENT, INC.

INFORMATION MANAGEMENT

SERVICES ACQUISITION CORP.

INFORMATION MANAGEMENT

SERVICES, INC.

INPUT MANAGEMENT, INC.

LEXICODE ACQUISITION

CORP.

LEXICODE CORPORATION

LIFO MANAGEMENT, INC.

MAILING & MARKETING

ACQUISITION CORP.

MAILING & MARKETING,

INC.

MANAGED CARE

PROFESSIONALS ACQUISITION CORP.

MANAGED CARE

PROFESSIONALS, INC.

MAVRICC MANAGEMENT

SYSTEMS, INC.

MICRO PUBLICATION

SYSTEMS, INC.

MICROFILM DISTRIBUTION

SERVICES, INC.

MICROFILMING SERVICES,

INC.

MICROMEDIA OF NEW

ENGLAND ACQUISITION CORP.

MICROMEDIA OF NEW

ENGLAND, INC.

MMS ESCROW AND

TRANSFER AGENCY, INC.

NBDE ACQUISITION CORP.

NEWPORT BEACH DATA ENTRY,

INC.

NEWPORT BEACH DATA ENTRY,

LLC

PENINSULA RECORD

MANAGEMENT, INC.

PERMANENT RECORDS

MANAGEMENT, INC.

PINNACLE MANAGEMENT, INC.

PMI IMAGING SYSTEMS

ACQUISITION CORP.

PREMIER ACQUISITION CORP.

QCS INET ACQUISITION

CORP.

QUALITY COPY ACQUISITION

CORP.

QUALITY DATA CONVERSIONS,

INC.

RAC (CALIFORNIA)

ACQUISITION CORP.

RECORDEX ACQUISITION

CORP.

RESEARCHERS ACQUISITION

CORP.

RTI LASER PRINT SERVICES

ACQUISITION CORP.

RUST CONSULTING

ACQUISITION CORP.

RUST CONSULTING, INC.

STAT HEALTHCARE

CONSULTANTS ACQUISITION CORP.

STAT HEALTHCARE

CONSULTANTS, INC.

SYNERGEN, LLC

TAPS ACQUISITION CORP.

T.C.H. GROUP, INC.

TCH MAILHOUSE, INC.

THE RUST CONSULTING

GROUP, INC.

ZIA INFORMATION ANALYSIS

GROUP, INC.

 

	

  By: 

  	

  /s/  Barry L. Edwards

  	

   

  
	

   

  	

  Barry L. Edwards, Authorized Officer

  for each of the above entities

  	

   

  
	

   

  
	

  F.Y.I.

  INVESTMENTS, INC.

  
	

   

  
	

  By: 

  	

  /s/  Ron Zazworsky

  	

   

  
	

  Name:  

  	

  Ron Zazworsky

  
	

  Title:

  	

  President

  
	

   

  
	

  F.Y.I. MANAGEMENT, L.P.

  
	

  By:

  	

  F.Y.I. Management,

  Inc., its general partner

  
	

   

  
	

   

  	

  By: 

  	

  /s/ Barry L. Edwards

  	

   

  
	

   

  	

  Name:

  	

  Barry L. Edwards

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  
	

  IMC, L.P.

  
	

  By:

  	

  IMC Management, Inc.,

  its general partner

  
	

   

  
	

   

  	

  By:

  	

  /s/ Barry L.

  Edwards

  	

   

  
	

   

  	

  Name:

  	

  Barry L. Edwards

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  
	

  INPUT OF TEXAS,

  L.P.

  
	

  By:

  	

  Input

  Management, Inc., its general partner

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Barry L.

  Edwards

  	

   

  
	

   

  	

  Name:  

  	

  Barry L. Edwards

  
	

   

  	

  Title:    

  	

  Vice President

  
	

   

  	

   

  	

   

  
	

  LIFO SYSTEMS, L.P.

  
	

  By:

  	

  LIFO Management, Inc.,

  its general partner

  
	

   

  	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  	

   

  
	

   

  	

  Name:

  	

  Barry L. Edwards

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  	

   

  	

   

  
	

  PERMANENT RECORDS, L.P.

  
	

  By:

  	

  Permanent Records

  Management, Inc., its general partner

  
	

   

  
	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  	

   

  
	

   

  	

  Name: 

  	

  Barry L. Edwards

  
	

   

  	

  Title:

  	

  Vice President

  
	

   

  
	

  PINNACLE LEGAL

  MANAGEMENT LIMITED PARTNERSHIP

  
	

  By:

  	

  Pinnacle Management, Inc., its general partner

  
	

   

  
	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  	

   

  
	

   

  	

  Name: 

  	

  Barry L. Edwards

  
	

   

  	

  Title:   

  	

  Vice PresidentPrepared by MERRILL CORPORATION

MASTER GUARANTY AGREEMENT

 

This MASTER GUARANTY AGREEMENT (this "Guaranty"),

dated as of  April 3, 2001, is executed

and delivered by each of the undersigned parties and any party hereafter added

as a "Guarantor" pursuant to a Joinder Agreement (each a "Guarantor"

and collectively the "Guarantors"), to and in favor of BANK OF

AMERICA, N.A., a national banking association, as administrative agent for the

equal and ratable benefit of itself and the other financial institutions now or

hereafter party to the hereinafter described Credit Agreement (the "Administrative

Agent").

 

W I

T N E S S E T H:

 

WHEREAS, F.Y.I. Incorporated ("Borrower")

entered into that certain Credit Agreement dated as of April 3, 2001, with the

financial institutions parties thereto (each individually a "Lender"

and collectively, the "Lenders") and the Administrative Agent

(such agreement, as it may be amended, renewed, extended, restated, replaced,

substituted, supplemented, or otherwise modified from time to time, is referred

to herein as the "Credit Agreement") and, in connection

therewith, inter alia, (a) Borrower has executed and delivered

those certain Promissory Notes payable to the order of the Lenders evidencing

certain revolving commitments and related Loans (collectively, the "Revolving

Notes"), and (b) Borrower has executed and delivered that certain

Promissory Note (Swingline Advances), payable to the order of the

Administrative Agent (the "Swingline Note"; the Revolving

Notes and the Swingline Note, as they may be amended, renewed, extended,

restated, replaced, substituted, supplemented, or otherwise modified from time

to time, are each individually referred to as a "Note" and

collectively as the "Notes"; the Credit Agreement, the Notes,

and all mortgages, deeds of trust, security agreements, pledge agreements,

assignments, guaranties, and other agreements, documents, instruments, and

certificates now or hereafter executed and/or delivered in connection

therewith, and any and all amendments, modifications, renewals, extensions, restatements,

and/or supplements thereto from time to time, are hereinafter collectively

called the "Loan Documents");

 

WHEREAS, each Guarantor has directly and indirectly

benefitted and will directly and indirectly benefit from the loans and other

credit accommodations evidenced and governed by the Credit Agreement and the

Notes (the "Loans") and the other transactions evidenced by

and contemplated in the Loan Documents; and

 

WHEREAS, the execution by the Guarantors of this

Guaranty is required by the Credit Agreement as a condition to making

extensions of credit thereunder from and after the Closing Date.

 

NOW, THEREFORE, for good and valuable consideration,

the receipt and adequacy of which are hereby acknowledged, each Guarantor

hereby jointly and severally agrees as follows:

 

1.                Definitions.    Unless otherwise defined in this Guaranty,

all terms beginning with a capital letter as used in this Guaranty shall have

the meanings ascribed to such terms in the Credit Agreement. As used herein,

the terms "Borrower" and "Guarantor" shall also include (a)

any successor individual or individuals, association, partnership, corporation

or other Person to which all or a substantial part of the business or assets of

Borrower or any Guarantor, as applicable, shall have been transferred,

including, without limitation, a debtor-in-possession under the Bankruptcy

Code, and (b) in the case of Borrower or a corporate Guarantor, any other

corporation into or with which any Guarantor or Borrower shall have been

merged, consolidated, reorganized, or absorbed; provided however, such

definitions are not intended to indicate that Borrower or any Guarantor is

authorized to transfer its business or assets or to merge, consolidate or

reorganize into or with another corporation in violation of any provision

contained in any of the Loan Documents.

 

2.                Guaranty of Indebtedness,

Liabilities and Obligations.    Each

Guarantor, jointly and severally, hereby irrevocably and unconditionally

guarantees (a) payment to the Administrative Agent and the Lenders of any and

all Obligations, including, without limitation, any and all (i) interest,

penalties, fees, and expenses (specifically including, but not limited to,

attorneys' fees and expenses) which Borrower may now or at any time hereafter

owe to the Administrative Agent or any Lender (whether or not such interest,

penalties, fees, and expenses are enforceable against Borrower) pursuant to the

Credit Agreement, any Note, or any other Loan Document plus (ii) the

principal amount of any and all indebtedness, liabilities, and other

obligations, whether direct, indirect, fixed, contingent, liquidated,

unliquidated, joint, several, or joint and several, due or to become due and

whether arising by agreement, note, discount, acceptance, overdraft, or otherwise,

which Borrower may now or at any time hereafter owe to the Administrative Agent

or any Lender (whether or not such indebtedness, liabilities, and obligations

are enforceable against Borrower) pursuant to the Credit Agreement, any Note,

or any other Loan Document and (b) the faithful, prompt and complete compliance

by Borrower with all terms, conditions, covenants, agreements, and undertakings

of Borrower under the Credit Agreement, any Note, or any other Loan Documents

(the Obligations and the interest, penalties, fees, expenses, indebtedness,

liabilities, and obligations referred to in clauses (a) and (b)

preceding as to which payment and performance is guaranteed pursuant to this

Guaranty are hereinafter individually and collectively called the "Guaranteed

Obligations").

 

Notwithstanding that Borrower may not be liable or

obligated to the Administrative Agent or any Lender for interest and/or

attorneys' fees and expenses on, or in connection with, the Guaranteed

Obligations from and after the Petition Date (as hereinafter defined) as a

result of the provisions of the federal bankruptcy laws or otherwise, the

Guaranteed Obligations for which each Guarantor shall be liable and obligated

under this Guaranty shall include interest accruing on the Guaranteed

Obligations at the highest rate provided for in the Credit Agreement from and

after the date on which Borrower files for protection under the federal

bankruptcy laws or from and after the date on which an involuntary proceeding

is filed against Borrower under the federal bankruptcy laws (herein

collectively referred to as the "Petition Date") and all

attorneys’ fees and expenses incurred by the Administrative Agent or any Lender

from and after the Petition Date in connection with the Guaranteed Obligations.

 

Notwithstanding anything to the contrary contained in

this Guaranty, however, the Guaranteed Obligations guaranteed by each Guarantor

hereunder shall not exceed an aggregate amount equal to the greatest amount

that would not render such Guarantor's obligations under this Guaranty subject

to avoidance under Sections 544, 548 or 550 of the Bankruptcy Code or subject

to being set aside or annulled under any applicable state law relating to fraud

on creditors; provided, however, that for purposes of this

sentence it shall be presumed that the Guaranteed Obligations guaranteed by any

Guarantor under this Guaranty do not equal or exceed any aggregate amount which

would render such Guarantor's obligations under this Guaranty subject to being

so avoided, set aside or annulled, and the burden of proof to the contrary

shall be on the party asserting to the contrary.  Subject to, but without limiting the generality of the foregoing,

the provisions of this Guaranty are severable and, in any action or proceeding

involving any state corporate law or any bankruptcy, insolvency, fraudulent

conveyance, fraudulent transfer or similar law affecting the rights of

creditors generally, if the obligations of any Guarantor under this Guaranty

would otherwise be held or determined to be void, invalid or unenforceable on

account of the amount of such obligations under this Guaranty, then,

notwithstanding any other provision of this Guaranty to the contrary, the

amount of such obligations shall, without any further action by any Guarantor,

the Administrative Agent, any Lender or any other Person, be automatically

limited and reduced to the greatest amount which is valid and enforceable as

determined in such action or proceeding.

 

3.                Continuing Guaranty of

Payment.  This Guaranty is and shall

be an absolute, irrevocable and continuing guaranty of payment, and not merely

of collection, and from time to time or at any time the Guaranteed Obligations

may be increased, reduced or paid in full without affecting the liability or

obligation of any Guarantor with respect to indebtedness, liabilities and

obligations of Borrower to the Administrative Agent or any Lender thereafter

incurred.  Each Guarantor further agrees

that this Guaranty shall continue to be effective or be reinstated (if a release

or discharge has occurred), as the case may be, if at any time any payment (or

any part thereof) to the Administrative Agent or any Lender in respect of the

Guaranteed Obligations is rescinded or must otherwise be restored by the

Administrative Agent or such Lender pursuant to any bankruptcy, insolvency,

reorganization, receivership or other debtor relief granted to Borrower or its

successors or assigns.  In the event

that the Administrative Agent or any Lender must rescind or restore any payment

received by the Administrative Agent or any Lender, respectively, in

satisfaction of the Guaranteed Obligations, as set forth herein, any prior

release or discharge from the terms of this Guaranty given to any Guarantor by

the Administrative Agent or such Lender, respectively, shall be without effect,

and this Guaranty shall remain in full force and effect.  It is the intention of the Administrative

Agent, the Lenders and each Guarantor that no Guarantor's liabilities and

obligations hereunder shall be discharged except by such Guarantor's full and

complete payment and performance of its liabilities and obligations and then

only to the extent of such payment and performance.

 

4.                Absolute Guaranty.  No Guarantor's liabilities and obligations

under this Guaranty shall be released, impaired, limited, reduced, conditioned

upon or otherwise affected by, and such liabilities and obligations shall

continue in full force and effect notwithstanding, the occurrence of any event

(other than an event consisting of payment and performance of such liabilities

and obligations as provided in Paragraph 3 hereof) at any time or from

time to time, including, without limitation, any one or more of the following

events specified in clauses (a) through (r) of this Paragraph

4 below, and neither the Administrative Agent nor any Lender shall be

obligated or required to take or to refrain from taking any of such actions or

inactions specified below and shall have no liability, obligation or duty

whatsoever with respect to such actions or inactions, it being acknowledged and

agreed by each Guarantor that all of such liabilities, obligations and duties

(if any) of the Administrative Agent and the Lender otherwise existing and all

rights and remedies (if any) of each Guarantor with respect thereto (whether

such liabilities, obligations, duties, rights or remedies exist by virtue of

agreement, common law, equity, statute or otherwise), and each and every

defense which, under principles of guaranty or suretyship law, would otherwise

operate to eliminate, impair, condition or restrict the liabilities and

obligations of any Guarantor for the Guaranteed Obligations, are hereby

expressly waived by each Guarantor:

 

a.                The taking or accepting of any

security or other guaranty for any or all of the Guaranteed Obligations,

whether heretofore, concurrently herewith or hereafter;

 

(a)                Any

failure to create or perfect or properly create or perfect any lien, security

interest or assignment intended as security, or any release, surrender,

exchange, substitution, subordination or loss of any security or guaranty at

any time existing in connection with any or all of the Guaranteed Obligations

for any reason;

 

(b)                Any

partial or full release of the liability or obligation of any Guarantor under

this Guaranty or any other guaranty whether or not similar to this Guaranty, or

any partial or full release of the liability or obligation of any other

guarantor of the Guaranteed Obligations;

 

(c)                The entering into, delivery of,

modification of, amendment to or waiver of compliance with the Credit

Agreement, any Note, any Letter of Credit or any other Loan Document, or any

agreement, document or instrument evidencing, securing or otherwise affecting

all or part of the Guaranteed Obligations, without the notification of any Guarantor,

the right of such notification being hereby specifically waived by each

Guarantor;

 

(d)                The bankruptcy, insolvency,

arrangement, adjustment, composition, liquidation, disability, dissolution or

lack of authority (whether corporate, partnership or trust) of Borrower, any

Guarantor or any other Person at any time liable or obligated for the payment

of any or all of the Guaranteed Obligations, whether now existing or hereafter

arising, or any limitation on the right to attorney's fees resulting from any

proceeding under the Bankruptcy Code;

 

(e)                Any

renewal, extension, modification, refunding and/or rearrangement of the payment

of any or all of the Guaranteed Obligations at any time and from time to time,

whether on one or more occasions, either with or without notice to or consent

of any Guarantor, or any adjustment, indulgence, forbearance or compromise that

might be granted or given by the Administrative Agent or any Lender to Borrower

or any Guarantor;

 

(f)                Any

neglect, delay, omission, failure or refusal of the Administrative Agent or any

Lender to (i) exercise or properly or diligently exercise any right or remedy

with respect to any or all of the Guaranteed Obligations or the collection

thereof or any collateral, security or guaranty therefor, whether under the

Credit Agreement, any Note, any Letter of Credit or any other Loan Document or

otherwise, (ii) take or prosecute or properly or diligently take or prosecute

any action for the collection of any or all of the Guaranteed Obligations against

Borrower, any Guarantor or any other guarantor of any or all of the Guaranteed

Obligations and/or any other Person, (iii) foreclose or prosecute or properly

or diligently foreclose or prosecute any action in connection with any

agreement, document or instrument or arrangement evidencing, securing or

otherwise affecting all or any part of the Guaranteed Obligations, or (iv)

mitigate damages or take any other action to reduce, collect or enforce the

Guaranteed Obligations;

 

(g)                Any

failure of the Administrative Agent or any Lender to give notice to Borrower

and/or any Guarantor of, or obtain the consent of Borrower or any Guarantor

with respect to, (i) demand, presentment, protest, nonpayment, intention to

accelerate, acceleration, lack of diligence or delay in collection of all or

any part of the Guaranteed Obligations or any other matter, or the absence

thereof, (ii) any renewal, extension or assignment of the Guaranteed

Obligations or any part thereof, (iii) the disposition or release of all

or any part of any security for the Guaranteed Obligations (whether or not such

disposition is commercially reasonable) or (iv) any other action taken or

refrained from being taken by the Administrative Agent or any Lender against

Borrower, it being agreed that (except as may be expressly provided in the

other Loan Documents) that neither the Administrative Agent nor any Lender

shall be required to give Borrower or any Guarantor any notice of any kind or

to obtain Borrower's or any Guarantor's consent under any circumstances

whatsoever with respect to or in connection with the Guaranteed Obligations;

 

(h)                The unenforceability, illegality

or uncollectibility of all or any part of the Guaranteed Obligations against

Borrower by reason of the fact that the interest contracted for, charged,

collected or received in respect of the Guaranteed Obligations exceeds the

amount permitted by law, the act of creating the Guaranteed Obligations or any

part thereof is ultra vires, the officers, directors, partners,

trustees or representatives creating the Guaranteed Obligations acted in excess

of their authority, the Credit Agreement, any Note, any Letter of Credit or any

other Loan Document evidencing the Guaranteed Obligations has been forged or

otherwise is irregular or is not genuine or authentic, expiration of the

applicable statute of limitations or for any other reason;

 

(i)                Any payment by Borrower to the

Administrative Agent or any Lender is held to constitute a preferential

transfer or a fraudulent conveyance or transfer under any applicable law, or

for any reason the Administrative Agent or such Lender is required to refund

such payment or pay such amount to Borrower or any other Person;

 

(j)                Any

merger, reorganization, consolidation or dissolution of Borrower, any sale,

lease or transfer of any or all of the assets of Borrower, or any change in

name, business, location, composition, structure or any change in the

shareholders, partners or members (whether by accession, secession, death,

dissolution, transfer of assets or otherwise) of Borrower;

 

(k)                Any

failure of the Administrative Agent or any Lender to notify any Guarantor of

the acceptance of this Guaranty or of the making of loans by any Administrative

Agent or such Lender in reliance on this Guaranty or of the failure of Borrower

to make any payment due by Borrower to the Administrative Agent or any Lender;

 

(l)                Any

existing or future offset, claim or defense of Borrower against the

Administrative Agent or any Lender or against payment of all or any part of the

Guaranteed Obligations, whether such offset, claim or defense arises in

connection with the Guaranteed Obligations (or the transactions creating the

Guaranteed Obligations) or otherwise;

 

(m)                Any

full or partial release of the liability of Borrower, any guarantor of all or

any part of the Guaranteed Obligations or any other Person for all or any part

of the Guaranteed Obligations, it being acknowledged and agreed by each

Guarantor that it may be required to pay the Guaranteed Obligations in full

without assistance or support, whether from Borrower, any other guarantor or

any other Person;

 

(n)                Any

other action taken or omitted to be taken with respect to any of the Credit

Agreement, any Note, any Letter of Credit or any other Loan Document, the

Guaranteed Obligations or the security and collateral therefor, whether or not

such action or omission prejudices any Guarantor or increases the likelihood

that any Guarantor will be required to pay all or any part of the Guaranteed

Obligations pursuant to the terms hereof;

 

(o)                Any

refusal or failure of any Lender or any other Person prior to the date hereof

or hereafter to grant any additional loan or other credit accommodation to

Borrower, or any Lender's or any other party's receipt of notice of such

refusal or failure;

 

(p)                Any

refusal or failure of any Lender or any other Person to provide to any

Guarantor any information relating to Borrower, any other guarantor, indorser,

or any Person who has given any collateral as security for the payment of the

Guaranteed Obligations or any information relating to Borrower's or such

Guarantor's, indorser's or Person's financial condition, business or assets, or

if such information is provided, to provide such information completely and

accurately; or

 

(q)                The

expiration of the period of any statute of limitations with respect to any

lawsuit or other legal proceeding against Borrower or any Person in any way

related to the Guaranteed Obligations or a part thereof or any collateral

therefor.

 

Without limiting the foregoing or any Guarantor's liability under this

Guaranty, to the extent that the Lenders (or any Lender) have advanced funds or

extended credit to Borrower and do not receive payments or benefits thereon in

the amounts and at the times required or provided by the Credit Agreement, any

Notes or any other Loan Document, each Guarantor, jointly and severally, is

absolutely liable to make such payments and to confer such benefits on the

Lenders on a timely basis.

 

5.                Representations and

Warranties.  In connection with this

Guaranty, each Guarantor hereby represents and warrants to the Administrative

Agent and the Lenders that:

 

(a)                Such

Guarantor has received and will receive a direct and indirect material benefit

from the transactions evidenced by and contemplated in the Credit Agreement, the

Notes, the Letters of Credit and the other Loan Documents; this Guaranty is

given by  Guarantor in furtherance of

the direct and indirect business interests and corporate purposes of Guarantor,

and is necessary to the conduct, promotion and attainment of the businesses of

Borrower and such Guarantor; and the value of the consideration received and to

be received by such Guarantor is reasonably worth at least as much as the

liability and obligation of such Guarantor hereunder;

 

(b)                The execution and delivery of

this Guaranty and the performance of and compliance with the terms hereof will

not constitute a default (or an event which with notice or lapse of time or

both would constitute a default) under, or result in the breach of, any

material contract, agreement or instrument to which such Guarantor is a party

or which may be applicable to such Guarantor or any of its assets;

 

(c)                This

Guaranty, when executed and delivered by such Guarantor, will constitute the

legal, valid and binding obligation of such Guarantor enforceable in accordance

with its terms;

 

(d)                As

of the date of this Guaranty, and after giving effect to this Guaranty and the

contingent obligation evidenced by this Guaranty, such Guarantor is not, on

either an unconsolidated basis or a consolidated basis with Borrower and such

Guarantor's subsidiaries, insolvent, as such term is used or defined in any

applicable bankruptcy, fraudulent conveyance, fraudulent transfer or similar

law, and such Guarantor has and will have assets which, fairly valued, exceed

its indebtedness, liabilities and obligations; such Guarantor is not executing

this Guaranty with any intention to hinder, delay or defraud any present or

future creditor or creditors of Guarantor; such Guarantor is not engaged in any

business or transaction (including, without limitation, the execution of this

Guaranty) which will leave it with unreasonably small capital or assets which

are unreasonably small in relation to the business or transactions engaged in

by it, and such Guarantor does not intend to engage in any such business or

transaction; such Guarantor does not intend to incur, nor does it believe that

it will incur, debts beyond its ability to repay such debts as they mature;

 

(e)                All

acts and conditions required to be performed and satisfied prior to the

creation and issuance of this Guaranty, and to constitute this Guaranty as the

legal, valid and binding obligation of such Guarantor in accordance with its

terms, have been performed and satisfied in due and strict compliance with all

applicable laws;

 

(f)                Such

Guarantor is familiar with, and has independently reviewed books and records

regarding, the financial condition of Borrower and is familiar with the value

of any and all collateral (if any) intended to secure the Guaranteed Obligations;

however, such Guarantor is not relying on such financial condition or any such

collateral (if any) as an inducement to enter into this Guaranty;

 

(g)                Such

Guarantor has not been induced to enter into this Guaranty on the basis of a

contemplation, belief, understanding or agreement that any Person other than

such Guarantor will be liable to pay the Guaranteed Obligations;

 

(h)                Except for the execution of the

Credit Agreement, neither the Administrative Agent, any Lender nor any other

Person has made any representation, warranty, or statement to, or promise,

covenant, or agreement with, such Guarantor in order to induce it to execute

this Guaranty;

 

(i)                Such

Guarantor is a wholly-owned direct or indirect Subsidiary of F.Y.I.

 

6.             Default.  Upon the occurrence and during the

continuation of an Event of Default, each Guarantor shall, jointly and

severally, on demand by the Administrative Agent and without further notice of

dishonor and without notice of any kind (including, without limitation, notice of

acceptance by the Administrative Agent or any Lender of this Guaranty) having

been given to Borrower, any Guarantor, or any other Person previous to such

demand, promptly (i.e., not later than 2:00 p.m., Dallas, Texas time, on the

date of such demand or, if such demand is made after 1:00 p.m., on the next

succeeding Business Day) pay, in immediately available funds, the full unpaid

amount of the Guaranteed Obligations, or such lesser amount, if any, as may be

specifically demanded by the Administrative Agent from time to time, to the

Administrative Agent at the Administrative Agent's office located in Dallas,

Texas, or at such other place as the Administrative Agent may specify in

writing.  If acceleration of the time

for payment of any amount payable by Borrower under or with respect to any of

the Guaranteed Obligations is stayed or otherwise delayed upon the insolvency,

bankruptcy or reorganization of Borrower, all such amounts otherwise subject to

acceleration under the terms of the Guaranteed Obligations shall nonetheless be

payable by the Guarantors, jointly and severally, hereunder promptly on demand

by the Administrative Agent or any Lender.

 

7.                Cumulative Remedies; No

Election.  If any one or more of the

Guarantors is or becomes liable or obligated for the Guaranteed Obligations, by

endorsement or otherwise, other than under this Guaranty, such liability or

obligation shall not be in any manner impaired or affected hereby, and the

rights and remedies of the Administrative Agent and the Lenders hereunder shall

be cumulative of any and all other rights and remedies that the Administrative

Agent or any Lender may ever have against such Guarantors.  The exercise by the Administrative Agent or

any Lender of any right or remedy hereunder or under any other agreement,

document or instrument, or at law or in equity, shall not preclude the

concurrent or subsequent exercise of any other right or remedy.  This Guaranty may be enforced from time to

time as often as occasion therefor may arise, and it is agreed and understood

that it shall not be necessary for the Administrative Agent or any Lender, in

order to enforce payment by any Guarantor, first to exercise any rights or

remedies against Borrower or any other Person or institute suit or exhaust any

available remedies against security in the Administrative Agent's or such

Lender's possession or under the Administrative Agent's or such Lender's

control, or to resort to any other sources or means of obtaining payment of the

Guaranteed Obligations.  The

Administrative Agent or any Lender may remedy any default by Borrower under any

of the Loan Documents or with respect to the Guaranteed Obligations in any

reasonable manner without waiving the default remedied and without waiving any

other prior or subsequent default by Borrower. 

After Borrower's failure to pay the Guaranteed Obligations in full, or

any part thereof, the Administrative Agent or any Lender may exercise against

each Guarantor, individually, each right and remedy of a creditor against a

principal debtor upon a past due liquidated obligation.

 

8.             Joint and Several Obligation.  Each Guarantor agrees that the

Administrative Agent, in its sole discretion, may (a) bring suit against all

Guarantors, other guarantors or any other Persons liable or obligated to the

Administrative Agent or any Lender or against any one or more of them, for

interest, penalties, expenses, fees, indebtedness, liabilities, and obligations

owed to the Administrative Agent or any Lender and apply any amounts obtained

by the Administrative Agent or such Lender in such a manner as the

Administrative Agent may elect, whether or not applied to the Guaranteed

Obligations, (b) bring suit against all Guarantors and other guarantors of the

Guaranteed Obligations jointly and severally or against any one or more of

them, (c) settle fully or in part with any one or more of such Guarantors or

other guarantors for such consideration as the Administrative Agent may deem

proper, and (d) partially or fully release one or more of such Guarantors or

other guarantors from liability under any guaranty agreement, and that no such

action shall impair the rights of the Administrative Agent or any Lender to

collect the Guaranteed Obligations (or the unpaid balance thereof) from other

Guarantors or guarantors, or any of them, not so sued, settled with, or

released.

 

9.             Release of Collateral, etc.  If all or any part of the Guaranteed

Obligations is at any time secured, each Guarantor agrees that the

Administrative Agent or any Lender may, at any time and from time to time in

its discretion and with or without valuable consideration, allow substitution

or withdrawal of collateral or other security and release collateral or other

security without impairing or diminishing the liabilities or obligations of any

Guarantor hereunder.  Each Guarantor

further agrees that, if Borrower or any other Person executes in favor of the

Administrative Agent or any Lender any collateral agreement, mortgage, deed of

trust, collateral assignment, security agreement, or other security instrument,

the exercise by the Administrative Agent or such Lender of any right or remedy

thereby conferred on the Administrative Agent or such Lender shall be wholly

discretionary with the Administrative Agent or such Lender and that the

exercise or failure to exercise any such right or remedy shall in no way impair

or diminish the obligation of any Guarantor hereunder.  Each Guarantor further agrees that neither

the Administrative Agent nor any Lender shall be liable for its failure to use

diligence or care in the collection of the Guaranteed Obligations, in the

creation or perfection of any lien, security interest, or assignment intended

as security or in preserving the liability of any Person liable or obligated on

the Guaranteed Obligations, and each Guarantor hereby waives presentment for

payment, notice of nonpayment, protest and notice thereof, and diligence in

bringing suit against any Person liable on the Guaranteed Obligations or any

part thereof.

 

10.           Binding Effect.  This Guaranty is for the benefit of the

Administrative Agent and the Lenders and their successors and assigns, and in

the event of an assignment by the Administrative Agent or any Lender or its

successors or assigns of the Guaranteed Obligations, or any part thereof, the

rights and benefits hereunder, to the extent applicable to the indebtedness,

liabilities, and obligations so assigned, may be transferred with such

indebtedness, liabilities, and obligations. 

This Guaranty is binding, not only upon each Guarantor, but also upon

their successors and assigns.

 

11.                Subordination and Temporary

Waiver of Subrogation, Contribution and Other Rights.  UPON PAYMENT BY A GUARANTOR OF ANY SUMS IN RESPECT OF

THE GUARANTEED OBLIGATIONS HEREUNDER (INCLUDING, WITHOUT LIMITATION, ANY

AMOUNTS ADVANCED TO BORROWER BY A GUARANTOR), ALL RIGHTS OF SUCH GUARANTOR

AGAINST BORROWER OR ANY OTHER GUARANTOR OF THE GUARANTEED OBLIGATIONS ARISING

AS A RESULT THEREFROM BY WAY OF A RIGHT OF SUBROGATION, REIMBURSEMENT,

EXONERATION, CONTRIBUTION, INDEMNIFICATION, AND/OR OTHERWISE SHALL IN ALL

RESPECTS BE SUBORDINATE AND JUNIOR IN RIGHT OF PAYMENT AND ENFORCEMENT TO THE

PRIOR INDEFEASIBLE PAYMENT AND ENFORCEMENT IN FULL OF THE GUARANTEED

OBLIGATIONS.  NO GUARANTOR SHALL HAVE,

AND EACH GUARANTOR HEREBY WAIVES, ANY RIGHTS OF SUBROGATION, REIMBURSEMENT,

EXONERATION, CONTRIBUTION, INDEMNIFICATION, AND/OR OTHERWISE AGAINST OR FROM

BORROWER UNLESS AND UNTIL ALL OF THE GUARANTEED OBLIGATIONS HAVE BEEN PAID AND

PERFORMED IN FULL.  IN ADDITION TO THE

FOREGOING, EACH GUARANTOR HEREBY IRREVOCABLY WAIVES ANY AND ALL CLAIMS OR OTHER

RIGHTS IT MAY NOW HAVE OR HEREAFTER ACQUIRE AGAINST THE ADMINISTRATIVE AGENT,

ANY LENDER, BORROWER, OR ANY OTHER PERSON UNDER CHAPTER 34 OF THE TEXAS

BUSINESS AND COMMERCE CODE, UNDER RULES 31 AND 163 OF THE TEXAS RULES OF CIVIL

PROCEDURE, UNDER SECTION 17.001 OF THE TEXAS CIVIL PRACTICE AND REMEDIES CODE

AND UNDER ANY OTHER STATUTE OF ANY STATE OR OTHER JURISDICTION REQUIRING

RECOURSE AGAINST THE PRIMARY OBLIGOR OR IMPOSING OTHER REQUIREMENTS AS A

CONDITION TO RECOURSE AGAINST A GUARANTOR IF AND TO THE EXTENT THAT THE SAME

MAY BE APPLICABLE TO THIS GUARANTY. 

Except as expressly otherwise provided in this Paragraph 11, each

Guarantor shall have all rights of subrogation, reimbursement, exoneration,

contribution, and indemnification that may exist under currently applicable

law.

 

12.                Subordination of Indebtedness

and Liens.  The payment of any and

all principal of and interest on all indebtedness of Borrower, whether direct,

indirect, fixed, contingent, liquidated, unliquidated, joint, several, or joint

and several, now or hereafter existing, due or to become due to any Guarantor

(such amount, collectively, the "Subordinated Debt"), shall in

all respects be subordinate and junior in right of payment and enforcement to

the prior payment and enforcement in full of the Guaranteed Obligations as

provided in this Paragraph 12. 

Except as may be expressly permitted by Section 9.4 of the Credit

Agreement, no payment shall be made on or with respect to the Subordinated Debt

(whether owed to any Guarantor or any Affiliate of a Guarantor) unless and

until the Guaranteed Obligations shall have been paid and performed in

full.  In the event that any Guarantor

or any Affiliate of a Guarantor shall receive any payment on account of the

Subordinated Debt in violation of this Paragraph 12, such Guarantor will

hold, or cause to be held (as the case may be), any amount so received in trust

for the benefit of the Administrative Agent and the Lenders and will forthwith

deliver, or cause to be delivered (as the case may be), such payment to the

Administrative Agent and the Lenders, in the form received, to be applied to

the Guaranteed Obligations.  All Liens

(if any) securing payment of all or any part of the Subordinated Debt (the

"Subordinated Liens") shall be and remain inferior and

subordinate to the Liens (if any) securing payment of all or any part of the

Guaranteed Obligations, regardless of whether such Subordinated Liens presently

exist or are hereafter created or when such Subordinated Liens were created,

perfected, filed, or recorded.  No

Guarantor shall exercise or enforce any creditors' rights or remedies that it

may have against Borrower or foreclose, repossess, sequester, or otherwise

institute any action or proceeding (whether judicial or otherwise, including,

without limitation, the commencement of, or joinder in, any bankruptcy,

insolvency, reorganization, liquidation, receivership, or other debtor relief

law) to enforce any Subordinated Lien on any assets of Borrower or any other

Person unless and until the Guaranteed Obligations shall have been paid and

performed in full.  The terms and

provisions of this Paragraph 12 are given by each Guarantor as

additional rights and benefits to any and all other subordination agreements

heretofore, concurrently herewith or hereafter executed by any Guarantor to or

in favor of the Administrative Agent and the Lenders, and nothing in this

Guaranty shall ever be deemed to in any way negate or replace any other such

previous, concurrent, or subsequent subordination agreements.  All promissory notes, accounts receivable

ledgers, and other evidences of the Subordinated Debt, and all mortgages, deed

of trusts, security agreements, assignments, and other security documents

evidencing the Subordinated Liens, shall contain a specific written notice that

the indebtedness and Liens evidenced thereby are subordinated as provided in

this Paragraph 12.

 

13.           Right of Setoff.   Each Guarantor hereby grants to the

Administrative Agent and the Lenders a right of setoff, exercisable after the

occurrence and during the continuance of an Event of Default, upon any and all

of its monies, securities, or other property, and the proceeds therefrom, now

or hereafter held or received by or in transit to the Administrative Agent or

any Lender from or for its account, whether for safekeeping, custody, pledge,

transmission, collection, or otherwise, and also upon any and all of its

deposits (general or special, time or demand, provisional or final) and

credits, and any and all of its claims against the Administrative Agent or any

Lender at any time existing.  The right

of setoff granted pursuant to this Paragraph 13 shall be cumulative of

and in addition to the Administrative Agent's and the Lenders' common law right

of setoff.

 

14.           Further Assurances.  Upon the request of the Administrative Agent

or any Lender, each Guarantor will, at any time and from time to time, duly

execute and deliver to the Administrative Agent or any Lender any and all such

further agreements, documents, and instruments, and supply such additional

information, as may be necessary or advisable, in the opinion of the

Administrative Agent, to obtain the full benefits of this Guaranty.

 

15.           Invalid Provisions.  If any provision of this Guaranty is held to

be illegal, invalid, or unenforceable under present or future laws effective

during the term hereof, such provision shall be fully severable, this Guaranty

shall be construed and enforced as if such illegal, invalid, or unenforceable

provision had never comprised a part hereof, and the remaining provisions

hereof shall remain in full force and effect and shall not be affected by the

illegal, invalid, or unenforceable provision or by its severance herefrom.  Furthermore, in lieu of such illegal, invalid,

or unenforceable provision there shall be added automatically as a part of this

Guaranty a provision as similar in terms to such illegal, invalid, or

unenforceable provision as may be possible and be legal, valid, and

enforceable.  No provision herein or in

any other Loan Document evidencing the Guaranteed Obligations shall require the

payment or permit the collection of interest in excess of the maximum permitted

by applicable law.

 

16.                Modification in Writing.  No modification, consent, amendment, or

waiver of any provision of this Guaranty, and no consent to any departure by

any Guarantor herefrom, shall be effective unless the same shall be in writing

and signed by a duly authorized officer of the Administrative Agent and then

shall be effective only in the specific instance and for the specific purpose

for which given.

 

17.           No Waiver, Etc.  No notice to or demand on any Guarantor in

any case shall, of itself, entitle any Guarantor to any other or further notice

or demand in similar or other circumstances. 

No delay or omission by the Administrative Agent or any Lender in

exercising any right or remedy hereunder shall impair any such right or remedy

or be construed as a waiver thereof or any acquiescence therein, and no single

or partial exercise of any such right or remedy shall preclude any other or

further exercise thereof or the exercise of any other right or remedy

hereunder.

 

18.           Statutes of Limitation Matters.  As of the date any payment made by any

Guarantor hereunder is returned pursuant to Paragraph 4(j) or otherwise,

the statute of limitations shall start anew with respect to any action or

proceeding by the Administrative Agent or any Lender against such Guarantor

under this Guaranty.  Any payment or

other act which results in the extension or renewal of the statute of

limitations in connection with any action or proceeding against Borrower

relating to the Guaranteed Obligations shall extend or renew the statute of

limitations in connection with any action or any proceeding against a Guarantor

in connection with this Guaranty whether or not any Guarantor had notice of, or

consented to, such payment or act.  Each

Guarantor shall defend and indemnify the Administrative Agent and each Lender

against and from any claim or loss under this Paragraph 18, including

actual attorneys' fees and expenses, in the defense of any such action or suit.

 

19.                Cumulative Rights.  All rights and remedies of the

Administrative Agent and the Lenders hereunder are cumulative of each other and

of every other right or remedy which the Administrative Agent and the Lenders

may otherwise have at law or in equity or under any other contract or document,

and the exercise of one or more rights or remedies shall not prejudice or

impair the concurrent or subsequent exercise of other rights or remedies.

 

20.                Expenses.  Each Guarantor, jointly and severally,

agrees to pay on demand by the Administrative Agent all costs and expenses

incurred by the Administrative Agent or any Lender in connection with the

negotiation, preparation, execution, and performance of the terms and

provisions of this Guaranty and any and all amendments, modifications,

renewals, restatements, and/or supplements hereto from time to time, including,

without limitation, the fees and expenses of legal counsel to the

Administrative Agent.  If any Guarantor

should breach or fail to perform any provision of this Guaranty, each

Guarantor, jointly and severally, agrees to pay to the Administrative Agent all

costs and expenses incurred by the Administrative Agent or any Lender in the

enforcement of this Guaranty from time to time, including, without limitation,

the fees and expenses of all legal counsel to the Administrative Agent and the

Lenders.

 

21.                Applicable Law.  THIS GUARANTY SHALL BE GOVERNED BY, AND CONSTRUED IN

ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS (WITHOUT REGARD TO CONFLICTS OF

LAWS PRINCIPLES).

 

22.           No Oral Agreements.  THIS GUARANTY REPRESENTS THE FINAL AGREEMENT

BETWEEN EACH GUARANTOR AND THE ADMINISTRATIVE AGENT RELATING TO THE SUBJECT

MATTER OF THIS GUARANTY AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR,

CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF SUCH PARTIES.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS

BETWEEN ANY GUARANTOR AND THE ADMINISTRATIVE AGENT.  THIS GUARANTY SUPERSEDES ALL PRIOR (IF ANY) ORAL AGREEMENTS,

ARRANGEMENTS, OR UNDERSTANDINGS RELATING TO THE SUBJECT MATTER OF THIS

GUARANTY.

 

23.           Notices.  Unless otherwise specifically provided in

this Guaranty, all notices or other communications required or permitted to be

given under this Guaranty shall be in writing and may be personally served,

telecopied, telefaxed, or sent by courier service or first class prepaid mail

(airmail if to an address in a foreign country from the party writing) and

shall be deemed to have been given when delivered in person or by courier

service, upon transmission of a telecopy or telefax or on the third Business

Day after deposit in the mail (certified or registered, return receipt

requested, with postage prepaid and properly addressed).  Notices or other communications to the

Administrative Agent or any Lender shall not be effective until received by the

Administrative Agent or such Lender. 

For the purposes of this Guaranty, the address of each Guarantor shall

be as specified on the signature page hereto and the address of the

Administrative Agent shall be as specified in the Credit Agreement.

 

24.           Choice of Forum; Consent to

Service of Process and Jurisdiction. Any suit, action or proceeding against

any Guarantor with respect to this Guaranty, or any judgment entered by any

court with respect to this Guaranty, may be brought in (a) any U.S. District

Court of Texas, (b) the U.S. District Court for the Northern District of

Texas, and (c) any Texas state court sitting in Dallas County, Texas, as the Administrative

Agent in its sole discretion may elect, and each Guarantor hereby submits to

the non–exclusive jurisdiction of such courts for the purpose of any such

suit, action, or proceeding.  Each

Guarantor hereby irrevocably consents to the service of process in any suit,

action, or proceeding in any such court by the mailing thereof by the

Administrative Agent by certified or registered mail, postage prepaid, to such

Guarantor's address referred to in Paragraph 23 hereof or by any

other means allowed by applicable law. 

Each Guarantor hereby irrevocably waives any objections which it may now

or hereafter have to the laying of venue of any suit, action, or proceeding

arising out of or relating to this Guaranty brought in any such state or

federal court and hereby further irrevocably waives any claim that any such

suit, action, or proceeding brought in any such court has been brought in any

inconvenient forum.

 

25.           Survival.  All representations, warranties, covenants,

and agreements of any Guarantor in this Guaranty shall survive the execution of

this Guaranty.

 

26.                Counterparts.  This Guaranty may be executed in any number

of counterparts, each of which shall constitute an original, but all of which

when taken together shall constitute one and the same Guaranty.

 

27.                Limitation on Interest.  Notwithstanding anything to the contrary

contained or referred to in this Guaranty, none of the terms and provisions of

this Guaranty, the Credit Agreement, the Notes or any other Loan Document shall

ever be construed to create a contract or obligation to pay interest at a rate

in excess of the Maximum Rate, and neither the Administrative Agent nor any

Lender shall ever charge, receive, take, collect, reserve, or apply, as

interest on the Obligations or the Guaranteed Obligations, any amount in excess

of the Maximum Rate.  The parties hereto

agree that any interest, charge, fee, expense or other indebtedness, liability,

or obligation provided for in this Guaranty, the Credit Agreement, the Notes,

or any other Loan Document which constitutes interest under applicable law

shall be, ipso facto and under any and all circumstances, limited

or reduced to an amount equal to the lesser of (a) the amount of such interest,

charge, fee, expense or other indebtedness, liability, or obligation that would

be payable in the absence of this Paragraph 27 or (b) an amount, which

when added to all other interest payable under this Guaranty, the Credit

Agreement, the Notes, and any other Loan Document, equals the Maximum

Rate.  If, notwithstanding the

foregoing, the Administrative Agent or any Lender ever contracts for, charges,

receives, takes, collects, reserves, or applies as interest any amount in

excess of the Maximum Rate, such amount which would be deemed excessive

interest shall be deemed a partial payment or prepayment of principal of the

Obligations and the Guaranteed Obligations and treated hereunder as such, and

if the Obligations and the Guaranteed Obligations, or applicable portions

thereof, are paid in full, any remaining excess shall promptly be paid to

Borrower or such other Person (as appropriate).  In determining whether the interest paid or payable, under any

specific contingency, exceeds the Maximum Rate, each Guarantor, Borrower, the

Administrative Agent and the Lenders shall, to the maximum extent permitted by

applicable law, (i) characterize any nonprincipal payment as an expense, fee,

or premium rather than as interest, (ii) exclude voluntary prepayments and the

effects thereof, and (iii) amortize, prorate, allocate, and spread in equal or

unequal parts the total amount of interest throughout the entire contemplated

term of the Obligations and the Guaranteed Obligations, or applicable portions

thereof, so that the interest rate does not exceed the Maximum Rate at any time

during the term of the Obligations and the Guaranteed Obligations; provided

that, if the unpaid principal balance is paid and performed in full

prior to the end of the full contemplated term thereof, and if the interest

received for the actual period of existence thereof exceeds the Maximum Rate,

the Administrative Agent and/or the Lenders, as appropriate, shall refund to

Borrower or such other Person (as appropriate) the amount of such excess and,

in such event, the Administrative Agent and the Lenders shall not be subject to

any penalties provided by any laws for contracting for, charging, receiving,

taking, collecting, servicing, or applying interest in excess of the Maximum

Rate.

 

28.                Irrevocable Nature of

Guaranty.  This Guaranty may not be

revoked by any Guarantor; provided, however, in the event it

shall be determined that a Guarantor shall have the right, in accordance with

applicable law and notwithstanding its express agreement herein to the

contrary, to revoke this Guaranty, such Guarantor may deliver to the

Administrative Agent written notice of Guarantor's intention not to be liable

hereunder for any Guaranteed Obligations arising, created, or incurred after

the Administrative Agent's receipt of such notice, whereupon such notice shall

be effective to the extent (but only to the extent) provided hereinbelow as to

such Guarantor from and after (but not before) the time when such notice is

actually delivered to and received by and receipted for in writing by the

Administrative Agent (the "Effective Revocation Time"); provided,

further, however, that such notice shall not be effective as to,

and shall not in any way restrict, limit, impair, release, or otherwise affect

the indebtedness, liabilities, or obligations of such Guarantor or any other

Guarantor under this Guaranty with respect to (a) any Guaranteed Obligations

consisting of indebtedness, liabilities, or obligations under the Credit

Agreement, the Notes, or any other Loan Document, whether incurred before or

after the Effective Revocation Time (including, without limitation, any loans,

advances, or extensions of credit at any time made or created under the Credit

Agreement, whether or not agreed, committed, or contemplated to be made by the

Administrative Agent or any Lender and whether or not discretionary with the

Administrative Agent or any lender), (b) any Guaranteed Obligations arising,

created, or incurred prior to the Effective Revocation Time, (c) any renewals,

extensions, or modifications of the indebtedness, liabilities, or obligations

referred to in clauses (a) and (b) preceding, whether

occurring before or after the Effective Revocation Time, or (d) any interest or

costs of collection with respect to any of the indebtedness, liabilities, or

obligations referred to in clauses (a), (b), or (c)

preceding.

 

29.                WAIVER OF JURY TRIAL.  TO THE FULLEST EXTENT PERMITTED BY

APPLICABLE LAW, EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY AND EXPRESSLY

WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM

(WHETHER BASED UPON CONTRACT, TORT OR OTHERWISE) ARISING OUT OF OR RELATING TO

THIS GUARANTY OR ANY OF THE OTHER LOAN DOCUMENTS OR THE TRANSACTIONS

CONTEMPLATED THEREBY OR THE ACTIONS OF ANY LOAN PARTY, THE ADMINISTRATIVE AGENT

OR ANY LENDER IN THE NEGOTIATION, ADMINISTRATION OR ENFORCEMENT THEREOF.

 

IN WITNESS WHEREOF, each of the undersigned has

executed this Guaranty as of the date first written above.

 

GUARANTORS:

 

ADVANCED DIGITAL GRAPHICS, INC.

AMERICAN ECONOMICS GROUP

ACQUISITION CORP.

AMERICAN ECONOMICS GROUP, INC.

APS SERVICES ACQUISITION

CORP. 

ASSOCIATE RECORD TECHNICIAN SERVICES ACQUISITION CORP.

B&B

(BALTIMORE-WASHINGTON) ACQUISITION CORP.

BANKNOTE PRINTING COMPANY

CALIFORNIA MEDICAL RECORD

SERVICE ACQUISITION CORP.

CH ACQUISITION CORP.

COPY RIGHT ACQUISITION

CORP.

COPY RIGHT, INC.

CREATIVE MAILINGS, INC.

DATA ENTRY &

INFORMATIONAL SERVICES ACQUISITION CORP.

DATA ENTRY &

INFORMATIONAL SERVICES, INC.

DELIVEREX ACQUISITION

CORP.

DISC ACQUISITION CORP.

DOCTEX ACQUISITION CORP.

DPAS ACQUISITION CORP.

EAGLE LEGAL SERVICES ACQUISITION

CORP.

ECONOMIC RESEARCH SERVICES, INC.

EXIGENT COMPUTER GROUP ACQUISITION CORP.

EXIGENT COMPUTER GROUP, INC.

F.Y.I. CORPORATE ACQUISITION CORP.

F.Y.I. DIRECT INC.

FYIDOCS.COM INC.

F.Y.I.ETRIEVE INCORPORATED

F.Y.I. GOVERNMENT SERVICES INC.

F.Y.I. HEALTHSERVE INCORPORATED

F.Y.I. IMAGE INC.

F.Y.I. INPUT INC.

F.Y.I. INTEGRATED SOLUTIONS INC.

F.Y.I. INVESTMENTS HOLDING, INC.

F.Y.I. LEGAL INCORPORATED

F.Y.I. LEGALSERVE INCORPORATED

F.Y.I. MANAGEMENT, INC.

F.Y.I. PRINT INC.

F.Y.I. RADIOLOGY, INC.

F.Y.I. RECORDS INC.

F.Y.I. STORAGE INC.

GLOBAL DIRECT ACQUISITION CORP.

GLOBAL DIRECT, INC.

HEALTHSERVE V.C. CORP.

IMAGENT ACQUISITION CORP.

IMC MANAGEMENT,

INC.

INFORMATION MANAGEMENT

SERVICES ACQUISITION CORP.

INFORMATION MANAGEMENT

SERVICES, INC.

INPUT MANAGEMENT, INC.

LEXICODE ACQUISITION

CORP.

LEXICODE CORPORATION

LIFO MANAGEMENT, INC.

MAILING & MARKETING

ACQUISITION CORP.

MAILING & MARKETING,

INC.

MANAGED CARE

PROFESSIONALS ACQUISITION CORP.

MANAGED CARE

PROFESSIONALS, INC.

MAVRICC MANAGEMENT

SYSTEMS, INC.

MICRO PUBLICATION

SYSTEMS, INC.

MICROFILM DISTRIBUTION

SERVICES, INC.

MICROFILMING SERVICES,

INC.

MICROMEDIA OF NEW ENGLAND

ACQUISITION CORP.

MICROMEDIA OF NEW

ENGLAND, INC.

MMS ESCROW AND TRANSFER

AGENCY, INC.

NBDE ACQUISITION CORP.

NEWPORT BEACH DATA ENTRY,

INC.

NEWPORT BEACH DATA ENTRY,

LLC

PENINSULA RECORD

MANAGEMENT, INC.

PERMANENT RECORDS

MANAGEMENT, INC.

PINNACLE MANAGEMENT, INC.

PMI IMAGING SYSTEMS ACQUISITION CORP.

PMI IMAGING SYSTEMS, INC.

PREMIER ACQUISITION CORP.

QCS INET ACQUISITION CORP.

QUALITY COPY ACQUISITION CORP.

QUALITY DATA CONVERSIONS, INC.

RAC (CALIFORNIA) ACQUISITION CORP.

RECORDEX ACQUISITION CORP.

RESEARCHERS ACQUISITION CORP.

RTI LASER PRINT SERVICES ACQUISITION CORP.

RUST CONSULTING ACQUISITION CORP.

RUST CONSULTING, INC.

STAT HEALTHCARE

CONSULTANTS

ACQUISITION CORP.

STAT HEALTHCARE CONSULTANTS, INC.

SYNERGEN, LLC

TAPS ACQUISITION CORP.

T.C.H. GROUP, INC.

TCH MAILHOUSE, INC.

THE RUST CONSULTING GROUP, INC.

ZIA INFORMATION ANALYSIS GROUP, INC.

 

	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Barry L. Edwards,

  Authorized Officer for each of the Original Guarantors

  
	

   

  	

   

  	

   

  
	

   

  	

  F.Y.I. DISCOVERY SERVICES INCORPORATED

  
	

   

  	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ William Gregerson

  
	

   

  	

  Name

  	

  William Gregerson

  
	

   

  	

  Title:

  	

  Vice President

  

 

	

   

  	

  F.Y.I. INVESTMENTS,

  INC.

  
	

   

  	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ Ron

  Zazworsky

  
	

   

  	

  Name:

  	

  Ron Zazworsky

  
	

   

  	

  Title:

  	

  President

  
	

   

  	

   

  	

   

  
	

   

  	

  F.Y.I. MANAGEMENT, L.P.

  
	

   

  	

   

  	

   

  
	

   

  	

  By:  F.Y.I. Management, Inc., its general

  partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Name :Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
	

   

  	

   

  	

   

  
	

   

  	

  IMC, L.P.

  
	

   

  	

   

  	

   

  
	

   

  	

  By:  IMC Management, Inc., its general partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Name: Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
	

   

  	

   

  	

   

  
	

   

  	

  INPUT OF TEXAS, L.P.

  
	

   

  	

   

  	

   

  
	

   

  	

  By:  Input Management, Inc., its general

  partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By:

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Name: Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
	

   

  	

   

  	

   

  
	

   

  	

  LIFO SYSTEMS, L.P.

  
	

   

  	

   

  	

   

  
	

   

  	

  By:  LIFO

  Management, Inc., its general partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By: 

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Name: Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
						

 

	

   

  	

   

  
	

   

  	

  MMS SECURITIES, INC.

  
	

   

  	

   

  	

   

  
	

   

  	

  By: 

  	

  /s/ Michael Garavaglia

  
	

   

  	

  Name: Michael Garavaglia

  
	

   

  	

  Title: President

  
	

   

  	

   

  	

   

  
	

   

  	

  PERMANENT

  RECORDS, L.P.

  
	

   

  	

   

  	

   

  
	

   

  	

  By: 

  Permanent Records Management, Inc., its general partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By:

  

  	

  /s/

  Barry L. Edwards

  
	

   

  	

   

  	

  Name: Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
	

   

  	

   

  	

   

  
	

   

  	

  PINNACLE LEGAL

  MANAGEMENT LIMITED PARTNERSHIP

  
	

   

  	

   

  	

   

  
	

   

  	

  By:  Pinnacle Management, Inc., its general

  partner

  
	

   

  	

   

  	

   

  
	

   

  	

   

  	

  By: 

  	

  /s/ Barry L. Edwards

  
	

   

  	

   

  	

  Name: Barry L. Edwards

  
	

   

  	

   

  	

  Title: Vice President

  
						

 

	

   

  	

  Address for Notices to

  each of the Guarantors:

  
	

   

  	

  3232 McKinney Avenue, Suite 900

  
	

   

  	

  Dallas, Texas 75204

  
	

   

  	

  Attn: Barry L. Edwards

  

 

	

   

  	

  ADMINISTRATIVE AGENT:

  
	

   

  	

   

  
	

   

  	

  BANK OF AMERICA, N.A.

  
	

   

  	

   

  
	

   

  	

   

  
	

   

  	

  By:

  	

  /s/ David A. Johanson

  
	

   

  	

  Name: David A. Johanson

  
	

   

  	

  Title: Vice President

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