Document:

ex101.htm

Exhibit 10.1

 

The undersigned do hereby agree as follows:

 

A certain stock agreement (the "Agreement") dated July 12, 2010 between Kalex Corp. ("Kalex") as Seller and Bruce Zigler ("Zigler") which agreement was assigned by Zigler to American Marketing Complex Intl Inc. ("American") is hereby declared null and void and of no force and effect, as of the date of the said agreement.

 

Kalex, by executing this document, agrees that American is hereby relieved and released of all obligations on its part to be performed under the Agreement.

 

American by executing this document agrees that Kalex is hereby relieved and released of all obligations on its part to be performed under the Agreement.

 

	 	
KALEX CORP.

	 
	 	 	 	 
	
Dated: July 12, 2012

	
By: 

	/s/ Arnold F. Sock	 
	 	 	
Arnold F. Sock, President

	 
	 	 	 	 
	 	 	 	 

	 	
AMERICAN MARKETING COMPLEX INT'L INC.

	 
	 	 	 	 
	
 

	
By: 

	/s/ Bruce Zigler, 	 
	 	 	
Bruce Zigler, PresidentExhibit 10.27

 

ENDORSEMENT TO 10% SENIOR SECURED CONVERTIBLE
NOTE

 

Precision Optics Corporation, Inc.

New York, New York

July 31, 2012

 

The 10% Senior Secured Convertible Note
dated June 25, 2008 and amended December 11, 2008, June 25, 2010, July 26, 2010, September 15, 2010, October 15,
2010, November 15, 2010, November 30, 2010, December 1, 2010, December 3, 2010 and December 17, 2010, January 10,
2011, January 24, 2011, February 7, 2011, February 25, 2011, March 11, 2011, March 31, 2011, April 15, 2011, April 29, 2011, May
13, 2011, June 3, 2011, June 28, 2011, July 6, 2011, July 20, 2011, July 25, 2011, July 27, 2011, August 31, 2011, September 30,
2011, October 31, 2011, December 15, 2011, January 31, 2012, and March 31, 2012 (the “Note”) of Precision Optics
Corporation, Inc., a Massachusetts corporation (the “Company”), payable to the order of Arnold Schumsky
(the “Holder”) in an aggregate principal amount of $50,000 and to which this Endorsement is affixed is hereby
amended in the following respects:

 

		1.	The term “Stated Maturity Date” is hereby restated to be “August 31, 2012.”

 

		2.	Except as expressly amended by this Endorsement, the Note remains in full force and effect and the Company hereby reconfirms
its obligations thereunder.

 

IN WITNESS WHEREOF, the Company has caused
this Endorsement to be duly executed, and the Holder has caused this Endorsement to be duly accepted, by their respective duly
authorized representatives as of the day and year first above written.

 

 

	 	PRECISION OPTICS CORPORATION, INC.
	 	 
	 	By	/s/ Joseph N. Forkey
	 	 	 
	 	 	Name: Joseph N. Forkey
	 	 	Title: Chief Executive Officer

 

	Accepted:	 
	 	 
	 	 
	/s/ Arnold Schumsky 	 
	 	 
	Arnold SchumskyExhibit 10.28

 

ENDORSEMENT TO 10% SENIOR SECURED CONVERTIBLE
NOTE

 

Precision Optics Corporation, Inc.

New York, New York

August 31, 2012

 

The 10% Senior Secured Convertible Note
dated June 25, 2008 and amended December 11, 2008, June 25, 2010, July 26, 2010, September 15, 2010, October 15,
2010, November 15, 2010, November 30, 2010, December 1, 2010, December 3, 2010 and December 17, 2010, January 10,
2011, January 24, 2011, February 7, 2011, February 25, 2011, March 11, 2011, March 31, 2011, April 15, 2011, April 29, 2011, May
13, 2011, June 3, 2011, June 28, 2011, July 6, 2011, July 20, 2011, July 25, 2011, July 27, 2011, August 31, 2011, September 30,
2011, October 31, 2011, December 15, 2011, January 31, 2012, March 31, 2012, and July 31, 2012 (the “Note”)
of Precision Optics Corporation, Inc., a Massachusetts corporation (the “Company”), payable to the order
of Arnold Schumsky (the “Holder”) in an aggregate principal amount of $50,000 and to which this Endorsement
is affixed is hereby amended in the following respects:

 

		1.	The term “Stated Maturity Date” is hereby restated to be “September 30, 2012.”

 

		2.	Except as expressly amended by this Endorsement, the Note remains in full force and effect and the Company hereby reconfirms
its obligations thereunder.

 

IN WITNESS WHEREOF, the Company has caused
this Endorsement to be duly executed, and the Holder has caused this Endorsement to be duly accepted, by their respective duly
authorized representatives as of the day and year first above written.

 

 

	 	PRECISION OPTICS CORPORATION, INC.
	 	 
	 	By	/s/ Joseph N. Forkey
	 	 	 
	 	 	Name: Joseph N. Forkey
	 	 	Title: Chief Executive Officer

 

	Accepted:	 
	 	 
	 	 
	/s/ Arnold Schumsky 	 
	 	 
	Arnold SchumskyExhibit 10.29

 

PRECISION OPTICS CORPORATION, INC.

NOTICE OF REPAYMENT OF 10% SENIOR SECURED
CONVERTIBLE NOTE IN FULL

 

September 28, 2012

 

WHEREAS, the
10% Senior Secured Convertible Note dated June 25, 2008 and amended December 11, 2008, June 25, 2010, July 26,
2010, September 15, 2010, October 15, 2010, November 15, 2010, November 30, 2010, December 1, 2010, December
3, 2010, and December 17, 2010, January 10, 2011, January 24, 2011, February 7, 2011, February 25, 2011, March 11, 2011, March
31, 2011, April 15, 2011, April 29, 2011, May 13, 2011, June 3, 2011, June 28, 2011, July 6, 2011, July 20, 2011, July 25, 2011,
July 27, 2011, August 31, 2011, September 30, 2011, October 31, 2011, December 15, 2011, January 31, 2012, March 31, 2012, July
31, 2012, and August 31, 2012 (the “Note”) of Precision Optics Corporation, Inc., a Massachusetts corporation
(the “Company”), payable to the order of Arnold Schumsky (the “Holder”) in an aggregate principal
amount of $50,000 is hereby presented to the Company by the Holder on the 28th day of September, 2012;

 

WHEREAS, the
Company has paid the outstanding interest on the Note in full in the amount of $2,500 to the Holder on the 28st day
of September, 2012;

 

WHEREAS, the
Holder has presented the outstanding principal balance of the Note in full to the Company to exchange such principal for units
consisting of common stock and warrants as further described in that Certain Purchase Agreement and the associated Registration
Rights Agreement dated September 28, 2012 between the Company and the Holder;

 

NOW, THEREFORE,
BE IT RESOLVED, that the Company and the Holder hereby acknowledge the Note held by the Holder has been satisfied in full on
the 28st day of September, 2012 and the obligations thereunder have been terminated as of the date thereof.

 

IN WITNESS WHEREOF,
the Company has caused this Notice of Repayment to be duly executed, and the Holder has caused this Notice of Repayment to be duly
accepted, by their respective duly authorized representatives as of the date hereof.

 

	 	PRECISION OPTICS CORPORATION, INC.
	 	 
	 	By	/s/ Joseph N. Forkey
	 	 	 
	 	 	Name: Joseph N. Forkey
	 	 	Title:   Chief Executive Officer

	Accepted:	 
	 	 
	 /s/ Arnold Schumsky	 
	 	 
	Arnold SchumskyCommitment Increase Agreement Exhibit 10.1

COMMITMENT INCREASE AGREEMENT

THIS COMMITMENT INCREASE AGREEMENT dated as of October 11, 2012 (this “Agreement”) by and among EURONET WORLDWIDE, INC., a Delaware corporation (“EWI”), and the Subsidiaries and Affiliates identified on the signature pages, as Borrowers under the Master Revolving Commitments, the Guarantors identified on the signature pages, the Incremental Commitment Lenders identified on the signature pages, and BANK OF AMERICA, N.A., as Administrative Agent.

W I T N E S S E T H

WHEREAS, a $355 million revolving credit and term loan credit facility was established pursuant to that Amended and Restated Credit Agreement dated as of August 18, 2011 (as amended and modified, the “Credit Agreement”) among EWI and certain subsidiaries identified therein, as Borrowers, the subsidiaries and affiliates identified therein, as Guarantors, the Lenders identified therein and Bank of America, N.A., as Administrative Agent;

WHEREAS, EWI has requested the establishment of additional commitments under the Master Revolving Commitments, and the Revolving Commitments thereunder, as “Incremental Credit Facilities” pursuant to the “accordion” provisions of Section 2.01(f) therein;

WHEREAS, the Lenders party to this Agreement have agreed to provide the Incremental Credit Facilities on the terms and conditions provided herein;

NOW, THEREFORE, IN CONSIDERATION of the premises and other good and valuable consideration, the receipt of which is hereby acknowledged, the parties hereto agree as follows:

Section 1.    Definitions.  Capitalized terms used but not otherwise defined herein shall have the meanings provided in the Credit Agreement.  Section references are to sections and subsections in the Credit Agreement.

Section 2.    Establishment of Incremental Credit Facilities.  Subject to the terms and conditions provided herein, the following Incremental Facilities are hereby established and the Credit Agreement is modified in the following respects.

2.1    Increase in Master Revolving Commitments and Revolving Commitments Thereunder.  The Master Revolving Commitments which include the Australian Revolving Commitments, the USD Revolving Commitments and the European Revolving Commitments, are increased under Section 2.01(f) as shown below:

	
					
	 
	 
	Before Giving Effect to Increase
	Amount of Increase
	After Giving Effect to Increase

	Master Revolving Commitments
	$265,000,000
	$125,000,000
	$390,000,000

	USD Revolving Commitments
	$265,000,000
	$125,000,000
	$390,000,000

	European Revolving Commitments
	$257,500,000
	$125,000,000
	$382,500,000

	Australian Revolving Commitments
	$242,500,000
	$122,500,000
	$365,000,000

Schedule 2.01 (Lenders and Commitments) is amended to reflect establishment of the incremental commitments as attached.

The India Revolving Commitments which are not part of the Master Revolving Commitments are not affected by this Agreement.

2.2    In Section 1.01 (Defined Terms) the following terms are added or amended and modified as follows:

“Aggregate Master Revolving Committed Amount” means an amount equal to the Aggregate USD Revolving Committed Amount.  The Aggregate Master Revolving Committed Amount on the Modification Effective Date is Three Hundred Ninety Million Dollars ($390,000,000).

“Modification Effective Date” means the date of the Commitment Increase Agreement dated as of October __, 2012.

2.3    The following defined terms are also amended and modified as follows:

The “Aggregate USD Revolving Committed Amount” as referenced and defined in Section 2.01(a)(i) is increased by One Hundred Twenty-Five Million Dollars ($125,000,000) from “Two Hundred Sixty-Five Million Dollars ($265,000,000)” to “Three Hundred NINETY Million Dollars ($390,000,000)”.

The “Aggregate European Revolving Committed Amount” as referenced and defined in Section 2.01(b)(i) is increased  by One Hundred Twenty-Five Million Dollars ($125,000,000) from “Two Hundred FIFTY-SEVEN Million FIVE HUNDRED THOUSAND Dollars ($257,500,000)” to “Three Hundred EIGHTY-TWO Million FIVE HUNDRED THOUSAND Dollars ($382,500,000)”.

The “Aggregate Australian Revolving Committed Amount” as referenced and defined in Section 2.01(c)(i) is increased  by One Hundred Twenty-Two Million Five Hundred Thousand Dollars ($122,500,000) from “Two Hundred forty-two Million FIVE HUNDRED THOUSAND Dollars ($242,500,000)” to “Three Hundred SIXTY-FIVE Million Dollars ($365,000,000)”.

2.4    After giving effect to this Agreement and establishment of the incremental commitments hereunder, the aggregate amount of incremental loans and commitments that may be established under Section 2.01(f)(i) will be reduced by One Hundred Twenty-Five Million Dollars ($125,000,000) from Two Hundred Five Million Dollars ($205,000,000) to Eighty Million Dollars ($80,000,000).

Section 3.    Representations and Warranties.  Each of the Credit Parties hereby represents and warrants that:

3.1    It has full power and authority, and has taken all action necessary, to execute and deliver this Agreement and to consummate the transactions contemplated hereby;

3.2    It has executed and delivered this Agreement and this Agreement constitutes a legal, valid and binding obligation enforceable against it in accordance with its terms, except to the extent that enforceability may be limited by Debtor Relief Laws and subject to equitable principles.

3.3    As of the date hereof, (i) the representations and warranties in Article VI of the Credit Agreement are true and correct in all material respects, except (i) to the extent that such representations and warranties specifically relate to an earlier date, in which case they are true and correct in all material respects as of such earlier date, and (ii) that for purposes hereof, the representations and warranties in subsections (a) and (b) of Section 6.05 shall be deemed to refer to the most recent annual audited and company-prepared quarterly financial statements furnished pursuant to Section 7.01(a) and (b); and

3.4    No Default or Event of Default exists immediately before, or will exist immediately after, giving effect to this Agreement and the establishment of the incremental commitments hereunder on a Pro Forma Basis (assuming for purposes hereof that the entire amount of the Commitments, including the incremental commitments established hereby, are fully drawn and funded).

Section 4.    Acknowledgment, Reaffirmation and Confirmation.

4.1    Each of the Guarantors acknowledges and consents to the terms and conditions of this Agreement, affirms its guaranty obligations under the Credit Agreement and other Credit Documents (including separate guaranty and indemnity agreements given), as amended and modified hereby, including the incremental loans and commitments established hereby.  Nothing contained herein or in any related documents will operate to reduce or discharge any of the obligations of the Guarantors under the Credit Agreement and other Credit Documents (including separate guaranty and indemnity agreements given).

4.2    Each of the Credit Parties (i) reaffirms the Liens and security interests under the Collateral Documents and other Credit Documents, including, but not limited to, in particular the registered pledges established under Polish law; (ii) agrees that nothing contained herein or in any related documents will operate to impair or adversely affect the Liens and security interests thereunder as security for the Obligations under the Credit Agreement and the other Credit Documents (including separate guaranty and indemnity agreements given), as amended and modified hereby; and (iii) confirms that the establishment and provision of the Incremental Facilities was expressly contemplated by and within the general purview of the Credit Agreement and the other Credit Documents. 

4.3    EFT Services Holding BV affirms all of its obligations under the parallel debt agreement dated 11 November, 2011.  

Section 5.    Establishment of Incremental Commitments by the Lenders.

5.1    The Lenders providing incremental commitments hereunder (the “Incremental Commitment Lenders”) acknowledge and agree to an increase in their respective commitments as shown on Schedule 2.01, as revised and attached hereto.

5.2    Each of the Incremental Commitment Lenders that were not already Lenders under the Credit Agreement prior to giving effect to this Agreement hereby represents and warrants, and acknowledges and agrees that (i) it has full power and authority, and has taken all action necessary, to execute and deliver this Agreement and to consummate the transactions contemplated hereby to become a Lender under the Credit Agreement and that the Credit Agreement constitutes a legal, valid and binding obligation enforceable against it in accordance with its terms, except to the extent that enforceability may be limited by Debtor Relief Laws and subject to equitable principles , (ii) it meets all of the requirements of an Eligible Assignee under the Credit Agreement, (iii) from and after the Modification Effective Date, it shall be bound by the terms of the Credit Agreement as a Lender with all of the rights and benefits and all of the obligations of a Lender thereunder with the loans and commitments shown, (iv) it has received a copy of the Credit Agreement, as modified and amended, together with copies of the most recent financial statements available under Section 7.01(a) and (b) thereunder and such other documents and such other information as it has deemed appropriate to make its own credit decision to enter into this Agreement, and based on such information, has made such analysis and decision independently and without reliance on the Administrative Agent or any other Lender, and (v) if it is a Foreign Lender, it has duly completed and delivered to the Administrative Agent and the Borrowers all forms and documentation required.

Section 6.    Conditions Precedent.  The effectiveness of this Agreement is subject to satisfaction of all of the following conditions precedent, each in form and substance satisfactory to the Administrative Agent and the Incremental Commitment Lenders:

6.1    Receipt by the Administrative Agent of fully executed copies of this Agreement and promissory notes for the Incremental Commitment Lenders.

6.2    Receipt of opinions of counsel for the Borrowers and for the Guarantors party hereto which are organized in the same jurisdiction as one of the Borrowers, including, among other things, organization and existence, due authorization, execution, delivery and enforceability of this Agreement.

6.3    Receipt of certificates of responsible officers or directors (as appropriate based on the applicable jurisdiction of organization) of the Borrowers and Guarantors hereunder (i) attaching copies of the Organization Documents certified by a secretary or assistant secretary to be true and correct as of the date hereof (or, if such Organization Documents have not been amended, modified or supplemented since such Organization Documents were delivered to the Administrative Agent in connection with the closing of the Credit Agreement, certifying that such Organization Documents have not been amended, modified or supplemented since such delivery and remain true, correct and complete and in full force and effect as of the date hereof), (ii) attaching copies of the resolutions of its board of directors or managers (or analogous governing body) approving and adopting the transactions contemplated by this Agreement, and authorizing the execution and delivery thereof (which in each case may be included in the resolutions approving the Credit Agreement and the transactions contemplated thereby), certified by a secretary or assistant secretary to be true and correct as of the date hereof; (iii) attaching an incumbency certification identifying the responsible officers that are authorized to execute this Agreement and related documents and to act on their behalf in connection with this Agreement and the Credit Documents, and (iv) in the certificate given by EWI, confirming that no Default or Event of Default shall exist immediately before or immediately after giving effect to this Agreement and the establishment of the incremental commitment hereunder and demonstrating compliance with the financial covenants after giving effect to this Agreement and the establishment of the incremental commitments hereunder on a Pro Forma Basis (assuming for purposes hereof that the entire amount of the commitments, including the incremental commitments established hereby, are fully drawn and funded)

6.4    Payment of fees owing in connection with this Agreement, including upfront fees payable to the Incremental Commitment Lenders and fees and expenses of counsel for the Administrative Agent and the Lenders.

For purposes of determining compliance with the conditions provided herein, each Incremental Commitment Lender shall be deemed to have consented to, approved or accepted, and to have been satisfied with, each document, delivery and other requirement hereunder, unless the Administrative Agent shall have received notice to the contrary prior to the effective date of this Agreement.

Section 7.    Break-Funding Indemnity.  The Borrowers acknowledge that upon the effectiveness of this Agreement and the establishment of incremental commitments hereunder, the commitment percentages of the Lenders in the respective credit facilities will change and a break-funding event may occur as to existing Fixed Rate LIBOR Rate Loans thereunder entitling the Lenders to compensation under Section 3.05 of the Credit Agreement depending on circumstances.  Further, in the event the Borrowers should submit a Borrowing notice for Fixed LIBOR Rate Loans in the credit facilities as to which the incremental commitments established hereby shall relate prior to the effective date of this Agreement and in anticipation of closing and funding on or after the effective date of this Agreement, the Borrowers acknowledge and agree that in the event this Agreement shall not have become effective by the date for the Borrowing in the notice, then the Lenders (including the Incremental Commitment Lenders) may be entitled to compensation under Section 3.05 of the Credit Agreement depending on circumstances for the entire amount of the requested Fixed LIBOR Rate Loans (including the portion, if any, that was to be made under the incremental commitments established hereby).

Section 8.    Full Force and Effect.  Except as modified hereby, all of the terms and provisions of the Credit Agreement and the other Credit Documents (including schedules and exhibits thereto) shall remain in full force and effect.

Section 9.    Expenses.  The Borrower agrees to pay all reasonable costs and expenses of the Administrative Agent in connection with the preparation, execution and delivery of this Agreement, including the reasonable fees and expenses of Moore & Van Allen, PLLC, and local counsel to the Administrative Agent in the various jurisdictions where the Credit Parties are located.

Section 10.    Counterparts.  This Agreement may be executed in any number of counterparts, each of which when so executed and delivered shall be deemed an original, and it shall not be necessary in making proof of 

this Agreement to produce or account for more than one such counterpart.  Delivery by any party hereto of an executed counterpart of this Agreement by facsimile shall be effective as such party's original executed counterpart.

Section 11.    Governing Law.  This Agreement shall be governed by, and construed in accordance with, the law of the State of New York applicable to agreements made and to be performed entirely within such state; provided that the Administrative Agent and the Lenders shall retain all rights arising under federal law.

[Remainder of page intentionally left blank]

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the date first above written.

DOMESTIC BORROWERS:            Euronet Worldwide, Inc.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

Continental Exchange Solutions, inc.

By:    /s/ Juan C. Bianchi                
Name:    Juan C. Bianchi
Title:    Executive Vice President

RIA Envia, Inc.

By:    /s/ Juan C. Bianchi                
Name:    Juan C. Bianchi
Title:    Executive Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

DOMESTIC GUARANTORS:        Euronet Worldwide, Inc.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

Continental Exchange Solutions, inc.

By:    /s/ Juan C. Bianchi                
Name:    Juan C. Bianchi
Title:    Executive Vice President
    

EURONET USA, INC.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

Payspot, Inc.

By:    /s/ Eric    Mettemeyer                
Name:    Eric Mettemeyer
Title:    President

RIA Envia, Inc.

By:    /s/ Juan C. Bianchi                
Name:    Juan C. Bianchi
Title:    Executive Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

FOREIGN BORROWERS:            EFT Services Holding BV

By:    /s/ Andre Van Daatselaar        
Name:     Andre Van Daatselaar
Title:      Director A

By:    /s/ Desmond Acosta            
Name:     Desmond Acosta
Title:      Director B

Delta Euronet GmbH

By:    /s/ Rick Weller            
Name:    Rick Weller
Title:    Executive Vice President

E-PAY Australia Holdings pty. ltd. 
ABN 74 104 012 900

By:    /s/ Eric    Mettemeyer                
Name:    Eric Mettemeyer
Title:    Attorney, authorized under Power of Attorney 

e-Pay Holdings LTD

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

RIA NETHERLANDS HOLDING B.V.

By:    /s/ Andre Van Daatselaar        
Name:     Andre Van Daatselaar
Title:      Attorney, individually authorized under Power 

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

		
	FOREIGN GUARANTORS:
	E-PAY AUSTRALIA HOLDINGS PTY LTD ABN 74 104 012 900

By:    /s/ Eric    Mettemeyer                
Name:    Eric Mettemeyer

E-PAY AUSTRALIA PTY LTD.
ABN 71 093 566 057
By:    /s/ Eric    Mettemeyer                
Name:    Eric Mettemeyer    

RIA FINANCIAL SERVICES AUSTRALIA PTY LTD ABN 43 114 423 782

By:    /s/ Simon Wilding                
Name:    Simon Wilding
Title:    Attorney, authorized under Power of Attorney 

RIA TELECOMMUNICATIONS OF CANADA INC.
By:    /s/ Medhi Mahdavi                
Name:    Medhi Mahdavi
Title:    Chief Financial Officer

TRANSACT ELEKTRONISCHE ZAHLUNGSSYTEME GMBH

By:    /s/ Dr. Markus Landrock    
Name:    Dr. Markus Landrock
Title:    Managing Director 

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

RIA ENVIA FINANCIAL SERVICES GMBH

By:    /s/ Susanne Barofke                
Name:    Susanne Barofke
Title:    Managing Director

CADOOZ HOLDING GMBH

By:    /s/ Florian Welsch            
Name:    Florian Welsch 
Title:    Managing Director

CADOOZ REWARDS GMBH

By:    /s/ Andreas Mertens            
Name:    Andreas Mertens
Title:    Managing Director

By:    /s/ Benjamin Stoffels            
Name:    Benjamin Stoffels
Title:    Managing Director

CADOOZ AG

By:    /s/ Florian Welsch            
Name:    Florian Welsch 
Title:    Director

EURONET BANKTECHNIKAI SZOLGÁLTATÓ KORLÁTOLT FELELÕSSÉGÛ TÁRSASÁG

By:    /s/ Erika Schalkhammer            
Name:    Erika Schalkhammer
Title:    Managing Director

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

EURONET SERVICES KORLÁTOLT FELELÕSSÉGÛ TÁRSASÁG

By:    /s/ Bence Varady-Szabo            
Name:    Bence Varady-Szabo
Title:    Managing Director

EURONET PAY & TRANSACTION SERVICES S.R.L.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

RIA ITALIA SRL

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President
:    

RIA NETHERLANDS HOLDING B.V.

By:    /s/ Andre Van Daatselaar        
Name:     Andre Van Daatselaar

EFT SERVICES HOLDING BV

By:    /s/ Andre Van Daatselaar        
Name:     Andre Van Daatsclaar
Title:      Director A

By:    /s/ Desmond Alcosta            
Name:     Desmond Alosta
Title:      Director B
    

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

E-PAY NEW ZEALAND LIMITED 

By:    /s/ Eric    Mettemeyer                
Name:    Eric Mettemeyer    
Title:    President
By:    /s/ Roger Smith                    
Name:    Roger Smith
Title:    Managing Director

EURONET POLSKA SP. Z.O.O. (formerly known as BANKOMAT 24/EURONET SP. Z.O.O.)

By:    /s/ Marek Szafirski                
Name:    Markek Szafirski
Title:    President of the Board

EURONET TELERECARGA, S.L., SOCIEDAD UNIPERSONAL

By:    /s/ Jesus Sanchez Rios                
Name:    Jesus Sanchez Rios
Title:    Director

EURONET BUSINESS HOLDINGS S.L.

By:    /s/ Jesus Sanchez Rios                
Name:    Jesus Sanchez Rios
Title:    Director

DELTA EURONET GmbH

By:    /s/ Rick Weller                
Name:    Rick Weller
Title:    Executive Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

RIA SPAIN HOLDINGS, S.L.

By:    /s/ Sebastian Plubins            
Name:    Sebastian Plubins
Title:    Director

RIA PAYMENT INSTITUTION EP, S.A.

By:    /s/ Sebastian Plubins            
Name:    Sebastian Plubins
Title:    Director

E-PAY LIMITED

By:    /s/ David Hammond            
Name:    David Hammond
Title:    Director

RIA Financial Services Limited 

By:    /s/ Marcela Gonzalez            
Name:    Marcela Gonzalez
Title:    Director

E-PAY HOLDINGS LIMITED

By:    /s/ David Hammond            
Name:    David Hammond
Title:    Director

TELECOMNET, INC.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

India Borrower:            Euronet services India PVT LTD.

By:    /s/ Jeffrey B. Newman            
Name:    Jeffrey B. Newman
Title:    Executive Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

Administrative Agent
(For MASTER REVOLVING 
Loan OBLIGATIONS AND
TERM LOAN A):                BANK OF AMERICA, N.A.,  
as Administrative Agent and Collateral Agent

By:    /s/ Fani Davidson            
Name:    Fani Davidson
Title:    Assistant Vice President

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

INCREMENTAL COMMITMENT
		
	LENDERS:
	REGIONS BANK, as an Incremental Commitment Lender 

By:    /s/ John Holland            
Name:    John Holland
Title:    Senior Vice President

FIFTH THIRD BANK, 

By:    /s/ Stephen C. Watts                
Name:    Stephen C. Watts
Title:    Vice President

BANK OF AMERICA, N.A,  

By:    /s/ Jeffrey P. Yoakum        
Name:    Jeffery P. Yoakum
Title:    Senior Vice President

U.S. BANK NATIONAL ASSOCIATION   

By:    /s/ Magnus McDowell        
Name:    Magnus McDowell
Title:    Vice President

BANK OF MONTREAL - LONDON BRANCH

By:    /s/ Anthony Ebdon        
Name:    Anthony Ebdon
Title:    Director
By:    /s/ Lisa Rodriguez        
Name:    Lisa Rodriguez
Title:    Director

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

BMO HARRIS BANK N.A.   

By:    /s/ Catherine Blaesing        
Name:    Catherine Blaesing
Title:    Vice President

KEYBANK NATIONAL ASSOCIATION   

By:    /s/ Robert W. Boswell        
Name:    Robert W. Boswell
Title:    Senior Vice President

BOKF, NA (The Bank of KANSAS CiTY)

By:    /s/ Ryan W. Humphrey        
Name:    Ryan W. Humphrey
Title:    Officer

WELLS FARGO BANK, NATIONAL ASSOCIATION

By:    /s/ Ariana Fahrney    
Name:    Ariana Fahrney
Title:    Assistant Vice President 

COMMITMENT INCREASE AGREEMENT
EURONET WORLDWIDE, INC.

	
																					
	Schedule 2.01
	Master Revolving Commitments Before Giving Effect to Increase

	 
	 
	 
	 
	 
	 
	 
	 
	 

	Euronet Worldwide, Inc.
	 USD Revolving
	 
	European Revolving
	 
	Australian Revolving
	 
	 Master Revolving
	 

	 
	 Commitments
	Percent
	Commitments
	Percent
	Commitments
	Percent
	 Commitments
	Percent

	Bank of America, N.A.
	$
	50,000,000.00
	

	18.87
	%
	$
	50,000,000.00
	

	19.42
	%
	$
	50,000,000.00
	

	20.62
	%
	$
	50,000,000.00
	

	18.87
	%

	U.S. Bank National Association
	46,000,000.00
	

	17.36
	%
	46,000,000.00
	

	17.86
	%
	46,000,000.00
	

	18.97
	%
	46,000,000.00
	

	17.36
	%

	BMO Harris Bank N.A.
	38,500,000.00
	

	14.53
	%
	 
	 
	 
	 
	38,500,000.00
	

	14.53
	%

	Bank of Montreal - London
	 
	 
	38,500,000.00
	

	14.95
	%
	38,500,000.00
	

	15.88
	%
	 
	 

	Wells Fargo Bank, N.A.
	19,500,000.00
	

	7.36
	%
	19,500,000.00
	

	7.57
	%
	19,500,000.00
	

	8.04
	%
	19,500,000.00
	

	7.36
	%

	Compass Bank
	38,500,000.00
	

	14.53
	%
	38,500,000.00
	

	14.95
	%
	38,500,000.00
	

	15.88
	%
	38,500,000.00
	

	14.53
	%

	KeyBank National Association
	30,500,000.00
	

	11.51
	%
	30,500,000.00
	

	11.84
	%
	30,500,000.00
	

	12.58
	%
	30,500,000.00
	

	11.51
	%

	Regions Bank
	 
	 
	 
	 
	 
	 
	 
	 

	Fifth Third Bank
	 
	 
	 
	 
	 
	 
	 
	 

	Lloyds Bank
	19,500,000.00
	

	7.36
	%
	19,500,000.00
	

	7.57
	%
	19,500,000.00
	

	8.04
	%
	19,500,000.00
	

	7.36
	%

	BOKF, NA (dba Bank of Kansas City)
	15,000,000.00
	

	5.66
	%
	15,000,000.00
	

	5.83
	%
	 
	 
	15,000,000.00
	

	5.66
	%

	Citizens Bank & Trust Co.
	7,500,000.00
	

	2.83
	%
	 
	 
	 
	 
	7,500,000.00
	

	2.83
	%

	 
	$
	265,000,000.00
	

	100
	%
	$
	257,500,000.00
	

	100
	%
	$
	242,500,000.00
	

	100
	%
	$
	265,000,000.00
	

	100
	%

	 
	 
	 
	 
	 
	 
	 
	 
	 

	 
	Increase in Commitments under Master Revolving Commitments

	 
	 USD Revolving
	 
	European Revolving
	 
	Australian Revolving
	 
	 Master Revolving
	 

	 
	 Commitments
	Percent
	Commitments
	Percent
	Commitments
	Percent
	 Commitments
	Percent

	Bank of America, N.A.
	$
	17,500,000.00
	

	14
	%
	$
	17,500,000.00
	

	14
	%
	$
	17,500,000.00
	

	14.29
	%
	$
	17,500,000.00
	

	14
	%

	U.S. Bank National Association
	5,000,000.00
	

	4
	%
	5,000,000.00
	

	4
	%
	5,000,000.00
	

	4.08
	%
	5,000,000.00
	

	4
	%

	BMO Harris Bank N.A.
	10,000,000.00
	

	8
	%
	 
	 
	 
	 
	10,000,000.00
	

	8
	%

	Bank of Montreal - London
	 
	 
	10,000,000.00
	

	8
	%
	10,000,000.00
	

	8.16
	%
	 
	 

	Wells Fargo Bank, N.A.
	25,000,000.00
	

	20
	%
	25,000,000.00
	

	20
	%
	25,000,000.00
	

	20.41
	%
	25,000,000.00
	

	20
	%

	Compass Bank
	 
	 
	 
	 
	 
	 
	 
	 

	KeyBank National Association
	5,000,000.00
	

	4
	%
	5,000,000.00
	

	4
	%
	5,000,000.00
	

	4.08
	%
	5,000,000.00
	

	4
	%

	Regions Bank
	35,000,000.00
	

	28
	%
	35,000,000.00
	

	28
	%
	35,000,000.00
	

	28.57
	%
	35,000,000.00
	

	28
	%

	Fifth Third Bank
	25,000,000.00
	

	20
	%
	25,000,000.00
	

	20
	%
	25,000,000.00
	

	20.41
	%
	25,000,000.00
	

	20
	%

	Lloyds Bank
	 
	 
	 
	 
	 
	 
	 
	 

	BOKF, NA (dba Bank of Kansas City)
	2,500,000.00
	

	2
	%
	2,500,000.00
	

	2
	%
	 
	 
	2,500,000.00
	

	2
	%

	Citizens Bank & Trust Co.
	 
	 
	 
	 
	 
	 
	 
	 

	 
	$
	125,000,000.00
	

	100
	%
	$
	125,000,000.00
	

	100
	%
	$
	122,500,000.00
	

	100
	%
	$
	125,000,000.00
	

	100
	%

	
																					
	 
	Master Revolving Commitments After Giving Effect to Increase

	 
	 USD Revolving
	 
	European Revolving
	 
	Australian Revolving
	 
	 Master Revolving
	 

	 
	 Commitments
	Percent
	Commitments
	Percent
	Commitments
	Percent
	 Commitments
	Percent

	Bank of America, N.A.
	$
	67,500,000.00
	

	17.31
	%
	$
	67,500,000.00
	

	17.65
	%
	$
	67,500,000.00
	

	18.49
	%
	$
	67,500,000.00
	

	17.31
	%

	U.S. Bank National Association
	51,000,000.00
	

	13.08
	%
	51,000,000.00
	

	13.33
	%
	51,000,000.00
	

	13.97
	%
	51,000,000.00
	

	13.08
	%

	BMO Harris Bank N.A.
	48,500,000.00
	

	12.44
	%
	—
	

	 
	—
	

	 
	48,500,000.00
	

	12.44
	%

	Bank of Montreal - London
	—
	

	 
	48,500,000.00
	

	12.68
	%
	48,500,000.00
	

	13.29
	%
	—
	

	 

	Wells Fargo Bank, N.A.
	44,500,000.00
	

	11.41
	%
	44,500,000.00
	

	11.63
	%
	44,500,000.00
	

	12.19
	%
	44,500,000.00
	

	11.41
	%

	Compass Bank
	38,500,000.00
	

	9.87
	%
	38,500,000.00
	

	10.07
	%
	38,500,000.00
	

	10.55
	%
	38,500,000.00
	

	9.87
	%

	KeyBank National Association
	35,500,000.00
	

	9.1
	%
	35,500,000.00
	

	9.28
	%
	35,500,000.00
	

	9.73
	%
	35,500,000.00
	

	9.1
	%

	Regions Bank
	35,000,000.00
	

	8.97
	%
	35,000,000.00
	

	9.15
	%
	35,000,000.00
	

	9.59
	%
	35,000,000.00
	

	8.97
	%

	Fifth Third Bank
	25,000,000.00
	

	6.41
	%
	25,000,000.00
	

	6.54
	%
	25,000,000.00
	

	6.85
	%
	25,000,000.00
	

	6.41
	%

	Lloyds Bank
	19,500,000.00
	

	5
	%
	19,500,000.00
	

	5.1
	%
	19,500,000.00
	

	5.34
	%
	19,500,000.00
	

	5
	%

	BOKF, NA (dba Bank of Kansas City)
	17,500,000.00
	

	4.49
	%
	17,500,000.00
	

	4.58
	%
	—
	

	 
	17,500,000.00
	

	4.49
	%

	Citizens Bank & Trust Co.
	7,500,000.00
	

	1.92
	%
	—
	

	 
	—
	

	 
	7,500,000.00
	

	1.92
	%

	 
	$
	390,000,000.00
	

	100
	%
	$
	382,500,000.00
	

	100
	%
	$
	365,000,000.00
	

	100
	%
	$
	390,000,000.00
	

	100
	%

	 
	 
	 
	 
	 
	 
	 
	 
	 

	Schedule 2.01
	 
	 
	 
	 
	 
	 
	 
	 

	Lenders and Commitments
	 
	 
	 
	 
	 
	 
	 
	 

	Euronet - After Giving Effect to Establishment of Incremental Revolving Commitment Pursuant to Commitment Increase Agreement dated Oct 11, 2012
	 
	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	 
	 
	 
	 
	 
	 

	 
	 USD Revolving
	 
	European Revolving
	 
	Australian Revolving
	 
	 Master Revolving
	 

	 
	 Commitments
	Percent
	Commitments
	Percent
	Commitments
	Percent
	 Commitments
	Percent

	Bank of America, N.A.
	$
	67,500,000.00
	

	17.31
	%
	$
	67,500,000.00
	

	17.65
	%
	$
	67,500,000.00
	

	18.49
	%
	$
	67,500,000.00
	

	17.31
	%

	U.S. Bank National Association
	51,000,000.00
	

	13.08
	%
	51,000,000.00
	

	13.33
	%
	51,000,000.00
	

	13.97
	%
	$
	51,000,000.00
	

	13.08
	%

	BMO Harris Bank N.A.
	48,500,000.00
	

	12.44
	%
	 
	 
	 
	 
	$
	48,500,000.00
	

	12.44
	%

	Bank of Montreal - London
	 
	 
	48,500,000.00
	

	12.68
	%
	48,500,000.00
	

	13.29
	%
	 
	 

	Wells Fargo Bank, N.A.
	44,500,000.00
	

	11.41
	%
	44,500,000.00
	

	11.63
	%
	44,500,000.00
	

	12.19
	%
	$
	44,500,000.00
	

	11.41
	%

	Compass Bank
	38,500,000.00
	

	9.87
	%
	38,500,000.00
	

	10.07
	%
	38,500,000.00
	

	10.55
	%
	$
	38,500,000.00
	

	9.87
	%

	KeyBank National Association
	35,500,000.00
	

	9.1
	%
	35,500,000.00
	

	9.28
	%
	35,500,000.00
	

	9.73
	%
	$
	35,500,000.00
	

	9.1
	%

	Regions Bank
	35,000,000.00
	

	8.97
	%
	35,000,000.00
	

	9.15
	%
	35,000,000.00
	

	9.59
	%
	$
	35,000,000.00
	

	8.97
	%

	Fifth Third Bank
	25,000,000.00
	

	6.41
	%
	25,000,000.00
	

	6.54
	%
	25,000,000.00
	

	6.85
	%
	$
	25,000,000.00
	

	6.41
	%

	Lloyds Bank
	19,500,000.00
	

	5
	%
	19,500,000.00
	

	5.1
	%
	19,500,000.00
	

	5.34
	%
	$
	19,500,000.00
	

	5
	%

	BOKF, NA (dba Bank of Kansas City)
	17,500,000.00
	

	4.49
	%
	17,500,000.00
	

	4.58
	%
	 
	 
	$
	17,500,000.00
	

	4.49
	%

	Citizens Bank & Trust Co.
	7,500,000.00
	

	1.92
	%
	 
	 
	 
	 
	$
	7,500,000.00
	

	1.92
	%

	 
	$
	390,000,000.00
	

	100
	%
	$
	382,500,000.00
	

	100
	%
	$
	365,000,000.00
	

	100
	%
	$
	390,000,000.00
	

	100
	%

	
																		
	 
	 
	 
	 
	 
	Original Principal
	 
	Principal Amount of
	 

	 
	 India Revolving
	 
	 
	 
	Amount of
	 
	Term Loan A
	 

	 
	 Commitments
	Percent
	 
	 
	Term Loan A
	Percent
	as of Oct 11, 2012
	Percent

	Bank of America, N.A.
	$
	10,000,000.00
	

	100
	%
	 
	 
	$
	15,000,000.00
	

	18.75
	%
	—
	

	18.75
	%

	U.S. Bank National Association
	 
	 
	 
	 
	14,000,000.00
	

	17.5
	%
	—
	

	17.5
	%

	BMO Harris Bank N.A.
	 
	 
	 
	 
	11,500,000.00
	

	14.38
	%
	—
	

	14.38
	%

	Bank of Montreal - London
	 
	 
	 
	 
	 
	 
	 
	 

	Wells Fargo Bank, N.A.
	 
	 
	 
	 
	5,500,000.00
	

	6.88
	%
	—
	

	6.88
	%

	Compass Bank
	 
	 
	 
	 
	11,500,000.00
	

	14.38
	%
	—
	

	14.38
	%

	KeyBank National Association
	 
	 
	 
	 
	9,500,000.00
	

	11.88
	%
	—
	

	11.88
	%

	Regions Bank
	 
	 
	 
	 
	 
	 
	 
	 

	Fifth Third Bank
	 
	 
	 
	 
	 
	 
	 
	 

	Lloyds Bank
	 
	 
	 
	 
	5,500,000.00
	

	6.88
	%
	—
	

	6.88
	%

	BOKF, NA (dba Bank of Kansas City)
	 
	 
	 
	 
	5,000,000.00
	

	6.25
	%
	—
	

	6.25
	%

	Citizens Bank & Trust Co.
	 
	 
	 
	 
	2,500,000.00
	

	3.13
	%
	—
	

	3.13
	%

	 
	$
	10,000,000.00
	

	100
	%
	 
	 
	$
	80,000,000.00
	

	100
	%
	$
	76,000,000.00
	

	100
	%

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}]]