Document:

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                                                                   Exhibit 10.76

                  JOINDER TO GUARANTY AND COLLATERAL AGREEMENT

      This JOINDER AGREEMENT (this "Agreement") dated as of March 14, 2003 is
executed by the undersigned for the benefit of Madison Capital Funding, LLC, as
Agent (the "Agent") in connection with that certain Guarantee and Collateral
Agreement dated as of February 11, 2002 among the Grantors party thereto and the
Agent (as amended, supplemented or modified from time to time, the "Guaranty and
Collateral Agreement"). Capitalized terms not otherwise defined herein are being
used herein as defined in the Guaranty and Collateral Agreement.

      Each Person signatory hereto is required to execute this Agreement
pursuant to Section 8.16 of the Guaranty and Collateral Agreement.

      NOW THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, each signatory hereby agrees as follows:

      1. Each such Person assumes all the obligations of a Grantor and a
Guarantor under the Guaranty and Collateral Agreement and agrees that such
person or entity is a Grantor and a Guarantor and bound as a Grantor and a
Guarantor under the terms of the Guaranty and Collateral Agreement, as if it had
been an original signatory to such agreement. In furtherance of the foregoing,
such Person hereby assigns, pledges and grants to the Agent a security interest
in all of its right, title and interest in and to the Collateral owned thereby
to secure the Secured Obligations.

      2. Schedules 1, 2, 3, 4 and 5 of the Guaranty and Collateral Agreement are
hereby amended to add the information relating to each such Person set out on
Schedules 1, 2, 3, 4 and 5, respectively, hereof. Each such Person hereby makes
to the Agent the representations and warranties set forth in the Guaranty and
Collateral Agreement applicable to such Person and the applicable Collateral and
confirms that such representations and warranties are true and correct after
giving effect to such amendment to such Schedules.

      3. In furtherance of its obligations under Section 5.2 of the Guaranty and
Collateral Agreement, each such Person agrees to execute and deliver to the
Agent appropriately complete UCC financing statements naming such person or
entity as debtor and the Agent as secured party, and describing its Collateral
and such other documentation as the Agent (or its successors or assigns) may
require to evidence, protect and perfect the Liens created by the Guaranty and
Collateral Agreement, as modified hereby.

      4. Each such Person's address and fax number for notices under the
Guaranty and Collateral Agreement shall be the address and fax number set forth
below its signature to this Agreement.

      5. This Agreement shall be deemed to be part of, and a modification to,
the Guaranty and Collateral Agreement and shall be governed by all the terms and
provisions of the Guaranty and Collateral Agreement, with respect to the
modifications intended to be made to such agreement, which terms are
incorporated herein by reference, are ratified and confirmed and shall continue
in full force and effect as valid and binding agreements of each such person or
entity enforceable against such person or entity. Each such person or entity
hereby waives notice of the Agent's acceptance of this Agreement. Each such
person or entity will deliver an executed original of this Agreement to the
Agent.
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IN WITNESS WHEREOF, FVFN ACQUISITION CORP. has caused this JOINDER AGREEMENT to
be executed by its duly authorized officer as of March 14, 2003.

                                         FVFN ACQUISITION CORP.

                                         By: /s/ Randall J. Fagundo
                                             -----------------------
                                              Name:  Randall J. Fagundo
                                              Title: President and CEO

                                            Address: 397 S. Taylor Ave.
                                                     Louisville, CO 80027-3027
                                                     Fax No. 303-247-0480<PAGE>
                                                                   Exhibit 10.77

               REAFFIRMATION OF GUARANTY AND COLLATERAL AGREEMENT

            The undersigned hereby acknowledges that it has executed and
delivered to Madison Capital Funding LLC, as Agent ("Agent"), a Guaranty and
Collateral Agreement dated as of February 11, 2002 (as amended, the "Guaranty")
of the repayment of all of the "Obligations" under the certain Credit Agreement
dated as of February 11, 2002, by and among American Coin Merchandising, Inc., a
Delaware corporation ("Borrower"), The Royal Bank of Scotland plc, New York
Branch as documentation agent ("Documentation Agent"), the lenders from time to
time party thereto and the Agent (the "Credit Agreement"), pursuant to which a
security interest was granted in favor of Agent by the undersigned in
substantially all of its assets as collateral security for the prompt and
complete payment and performance of the Obligations when due.

            The undersigned hereby (i) acknowledges and consents to the
execution, delivery and performance of the certain Amended and Restated Credit
Agreement (the "Amended and Restated Credit Agreement") of even date herewith
among Borrowers, the Lenders, Documentation Agent and the Agent, which amends
and restates the Credit Agreement (capitalized terms used herein shall have the
meanings provided to such terms in the Amended and Restated Credit Agreement),
(ii) ratifies and affirms the Guaranty in all respects including the
undersigned's guarantee and grant of security interest therein, (iii) agrees
that Schedule 1 to the Guaranty is hereby amended to add the information as set
forth on Schedule I hereto, (iv) agrees that Schedule 4 to the Guaranty is
hereby amended to add the information as set forth on Schedule II hereto, (v)
agrees that Schedule 5 to the Guaranty is hereby amended to add the information
as set forth on Schedule III hereto and (vi) agrees to execute and deliver such
further agreements, instruments and documents, and to perform such further acts,
as Agent or any Lender shall reasonably request from time to time to evidence
the undersigned's reaffirmation of the Guaranty.

                  [REMAINDER OF PAGE LEFT INTENTIONALLY BLANK]
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                                  Reaffirmation of Guarantee and
                                  Collateral Agreement
                                  Acknowledged and Agreed to as of
                                  this 15th day of April, 2003.

                                  AMERICAN COIN MERCHANDISING, INC.

                                  By: /s/ Randall J. Fagundo
                                  Title:  President and CEO

                                  ACMI HOLDINGS, INC.

                                  By: /s/ Randall J. Fagundo
                                  Title:  President and CEO

                                  FVFN ACQUISITION CORP.

                                  By: /s/ Randall J. Fagundo
                                  Title:  President and CEO

                                  MADISON CAPITAL FUNDING LLC, as Agent

                                  By: /s/ Craig Lacy
                                  Title: Managing DirectorPROMISSORY ISSUED BY KAPLAN

 

EXHIBIT 10.9

PROMISSORY NOTE

	 	 	 
	$ 375,000	 	
New York, New York

April 2, 2001

     FOR VALUE RECEIVED, the undersigned, Jeffrey J. Kaplan (the “Borrower”)
hereby unconditionally promises to pay to the order of Viewpoint Corporation, a
Delaware corporation, (the “Company”), the principal sum of three hundred
seventy-five thousand dollars ($375,000), together with interest on the unpaid
principal amount of this Note from time to time outstanding for the period from
and including the date hereof to but excluding the date that the principal of
this Note shall be paid in full at a rate per annum specified below, all on the
following terms and conditions:

     Unless otherwise forgiven in connection with a Forgiveness Event (as
defined below), the principal amount of this Note and all accrued and unpaid
interest from the date hereof shall be due on April 2, 2005; provided, however,
that the principal amount of this Note shall be due and payable on written
demand by the Company at any time after the thirtieth (30th) day following the
occurrence of one or more of the following events if such event(s) occurs not
less than 30 days before April 2, 2005 (the “Maturity Date”):

	 	(i)	 	the Borrower shall cease to be an employee of the Company
for any reason other than the Company’s non-renewal of the
Employment Agreement (in which event the principal amount
of this Note and all accrued and unpaid interest from the
date hereof to the Maturity Date shall be due and payable
on the Maturity Date),
	 
	 	(ii)	 	except as otherwise set forth in the Stock and Option
Pledge Agreement, dated as of April 2, 2001, between the
Company and Pledgor (the “Pledge Agreement”), the Borrower
shall attempt to transfer any Collateral (as defined in the
Pledge Agreement), or
	 
	 	(iii)	 	an Event of Default (as defined in the Pledge Agreement)
shall have occurred.

     Interest. This note shall bear interest at 4.94% per annum, compounding
annually and shall be computed on the basis of a year of 360 days and actual
days elapsed (including the first day but excluding the last day) occurring in
the period for which payable.

 

 

     Manner of Payment. All payments of principal and interest to be made by
the Borrower under this Note shall be made in U.S. Dollars, legal currency of
the United States of America, in immediately available funds, to an account
specified by the Company, not later than 10:00 a.m. New York time on the
Maturity Date on which such payment shall become due (each such payment made
after such time on the Maturity Date to be deemed to have been made on the next
succeeding day). All amounts payable under this Note shall be paid free and
clear of, and without reduction by reason of, any deduction, set-off or
counterclaim whatsoever.

     Security. This Note is the Note referred to in the Pledge Agreement, a
copy of which is on file with the Secretary of the Company. The Pledge Agreement
contains, among other things, provisions governing the Company’s right to
transfer Collateral upon the occurrence of an Event of Default.

     Recourse. Unless the Borrower resigns employment with the Company without
Good Reason (as defined in the Employment Agreement) during the term of the
Employment Agreement and prior to the Maturity Date, or the Borrower’s
employment is terminated by the Company for Cause (as defined in the Employment
Agreement) during the term of the Employment Agreement and prior to the Maturity
Date, the Company’s sole recourse to repayment of this Note will be limited to
the net, after-tax proceeds from the sale of Company Common Stock (as defined in
the Pledge Agreement) issuable upon exercise of the Stock Option and Subsequent
Options (as each such term is defined in the Pledge Agreement). If, during the
term of the Employment Agreement and prior to the Maturity Date, the Borrower
resigns employment with the Company without Good Reason or the Borrower’s
employment is terminated by the Company for Cause, this Note will be fully
recourse to the Borrower. If this Note has become fully recourse to Borrower in
accordance with the foregoing and the proceeds of sale, collection or other
realization of or upon the Collateral (as defined in the Pledge Agreement) are
insufficient to cover the costs and expenses of such realization (subject to
Pledgor’s maximum liability for attorney’s fees as set forth in Section 9(k) of
the Pledge Agreement) and the payment in full of the Obligations (as defined in
the Pledge Agreement), the Borrower shall remain liable for any deficiency to
the extent the Borrower is obligated under this Note.

     Forgiveness. The Borrower will not be obligated to repay this Note if,
during the term of the Employment Agreement, (a) there is a Change in Control of
the Company (as defined in the Employment Agreement), (b) the Company completes
a Qualifying Equity Financing (as defined in the Employment Agreement), (c) the
Company completes a Qualifying Acquisition (as defined in the Employment
Agreement), (d) the Borrower resigns employment with the Company for Good Reason
or the Borrower’s employment is terminated by the Company without Cause, or (e)
the Borrower becomes Permanently Disabled (as defined in the Employment
Agreement) or dies (each of (a) through (e) a “Forgiveness Event”).

     Prepayment. The Borrower shall have the right to prepay at any time, and
from time to time, without premium or penalty, all or any portion of the
principal hereunder.

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Upon such prepayment, the Borrower shall pay unpaid interest on the principal
amount so prepaid accrued to the date of such prepayment.

     Waiver. To the extent permitted by applicable law and except as otherwise
provided herein, the Borrower hereby waives presentment, protest, demand for
payment, notice of dishonor and all other notices or demands in connection with
the delivery, acceptance, performance, default or endorsement of this Note. No
failure on the part of the Company to exercise and no delay in exercising, and
no course of dealing with respect to, any right, power or privilege under this
Note shall operate as a waiver thereof, nor shall any single or partial exercise
of any right, power or privilege under this Note preclude any other or further
exercise thereof or the exercise of any other right, power or privilege. The
remedies provided herein are cumulative and not exclusive of any remedies
provided by law.

     Amendments; Successors; Assignments. This Note may not be amended except
by an instrument in writing signed by each of the Borrower and the Company. This
Note shall be binding upon the Borrower and inure to the benefit of the Company
and their respective successors and permitted assigns. The Borrower shall not
assign any of its rights or obligations under this Note without the prior
written consent of the Company. The Company may at any time and from time to
time assign all or any portion of its rights under this Note, and, upon the
Company giving notice of such assignment to the Borrower specifying the interest
hereunder being assigned and the assignee to which such interest is being
assigned, each reference herein to the Company shall (solely in respect of the
interest so assigned) constitute a reference to such assignee (as if such
assignee were named herein) rather than the Company. The Company shall be
entitled to have this Note subdivided, by exchange of this Note for promissory
notes of lesser denominations or otherwise, to the extent necessary to reflect
any such assignment.

     Governing Law. This Note shall be construed in accordance with, and all
actions arising hereunder shall be governed by the laws of the State of New York
without giving effect to the conflicts of laws principles thereof (other than
New York General Obligations Law Section 5-1401). Borrower hereby irrevocably
submits to the exclusive jurisdiction of (a) the Supreme Court of the State of
New York, New York County, and (b) the United States District Court for the
Southern District of New York, for the purposes of any suit, action or other
proceeding arising out of this Note or any transaction contemplated hereby.
Borrower irrevocably and unconditionally waives any objection to the laying of
venue of any action, suit or proceeding arising out of this Note or the
transactions contemplated hereby in (i) the Supreme Court of the State of New
York, New York County, or (ii) the United States District Court for the Southern
District of New York, and hereby and thereby further irrevocably and
unconditionally waives and agrees not to plead or claim in any such court that
any such action, suit or proceeding brought in any such court has been brought
in an inconvenient forum.

     Waiver of Jury Trial. BORROWER HEREBY IRREVOCABLY WAIVES, TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY
LEGAL PROCEEDING

3

 

ARISING OUT OF OR RELATING TO THIS NOTE OR THE TRANSACTIONS CONTEMPLATED HEREBY.

	 	 	 
	 	 	
/s/ Jeffrey J. Kaplan
	 	 	

	 	 	
Jeffrey J. Kaplan

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