Document:

ex10-1

Exhibit 10.1

SECOND AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT

Dated as of June 5, 2001

between

XO Communications, Inc.

and

The Purchasers Listed on the Signature Pages Hereto

 

      SECOND AMENDED AND RESTATED REGISTRATION RIGHTS AGREEMENT, dated as of
June 5, 2001 between XO Communications, Inc., a Delaware corporation (the
“Company”), and the entities listed on the signature pages hereto under the
caption “Purchasers” (each a “Purchaser” and, collectively, the “Purchasers”).

      Pursuant to the Stock Purchase Agreement, dated December 7, 1999 (the
“1999 Stock Purchase Agreement”), by and between the Company and certain of the
Purchasers, on January 20, 2000, the Purchasers acquired (i) an aggregate of
584,375 shares of the Company’s Series C Preferred Stock, par value $0.01 per
share (the “Series C Preferred Stock”), and (ii) an aggregate of 265,625 shares
of the Company’s Series D Preferred Stock, par value $0.01 per share (the
“Series D Preferred Stock”).

      Pursuant to the Stock Purchase Agreement, dated as of June 14, 2000 (the
“2000 Stock Purchase Agreement”), by and between the Company and the
Purchasers, the Purchasers acquired (i) an aggregate of 268,750 shares of the
Company’s Series G Preferred Stock, par value $0.01 per share (the “Series G
Preferred Stock”), and (ii) an aggregate of 131,250 shares of the Company’s
Series H Preferred Stock, par value $0.01 per share (the “Series H Preferred
Stock” and, collectively with the Series C Preferred Stock, Series D Preferred
Stock and the Series G Preferred Stock, the “Preferred Shares”).

      In connection with the consummation of the transactions contemplated by
the 2000 Stock Purchase Agreement, the Company and the Purchasers entered into
an Amended and Restated Registration Rights Agreement, dated as of July 6, 2000
(the “Existing Registration Rights Agreement”), pursuant to which the Company
granted the Purchasers certain rights with respect to the registration of the
shares of Common Stock (as hereinafter defined) issuable upon conversion of the
Preferred Shares.

      Pursuant to the Amendment and Stock Purchase Agreement, dated as of April
25, 2001 (the “Amendment and Stock Purchase Agreement”), by and between the
Company and the Purchasers (i) the Company is amending (the “Amendments”) the
Certificates of Designation (as defined in the Amendment and Stock Purchase
Agreement) with respect to the Preferred Shares and (ii) the Purchasers are
purchasing an aggregate of 50 million shares of the Company’s Class A Common
Stock, par value $.02 per share (the “Class A Common Stock”).

      The Company and the Purchasers desire to further amend and restate the
Existing Registration Rights Agreement in its entirety to provide for the
rights of the Purchasers with respect to the registration of the shares of
Common Stock held by the Purchasers and the shares of Common Stock issuable
upon conversion of the Preferred Shares.

 

      Accordingly, as part of, and as consideration for, the acquisition of the
Preferred Shares by the Purchasers from the Company pursuant to the 1999 Stock
Purchase Agreement and the 2000 Stock Purchase Agreement and the purchase of
the Class A Common Stock and the Amendments pursuant to the Amendment and Stock
Purchase Agreement, the Company hereby grants to the Purchasers certain
registration and other rights with respect to its shares of Class A Common
Stock as more fully set forth herein.

      Accordingly, the parties hereto agree to amend and restate the Existing
Registration Rights Agreement in its entirety as follows:

      1.      Definitions. As used herein, unless the context otherwise requires,
the following terms have the following respective meanings:

      “Certificate of Incorporation” means the Certificate of Incorporation of
the Company, as it may be amended or restated hereafter from time to time.

      “Commission” means the Securities and Exchange Commission or any other
Federal agency at the time administering the Securities Act.

      “Common Stock” means any shares of Class A Common Stock of the Company,
now or hereafter authorized to be issued, and any and all securities of any
kind whatsoever of the Company which may be exchanged for or converted into
Common Stock, any and all securities of any kind whatsoever of the Company
which may be issued on or after the date hereof in respect of, in exchange for,
or upon conversion of shares of Common Stock pursuant to a merger,
consolidation, stock split, stock dividend, recapitalization of the Company or
otherwise.

      “Exchange Act” means the Securities Exchange Act of 1934, as amended, or
any similar Federal statute, and the rules and regulations of the Commission
thereunder, all as the same shall be in effect at the time. Reference to a
particular section of the Exchange Act shall include a reference to the
comparable section, if any, of any such similar Federal statute.

      “Person” means a corporation, an association, a partnership, an
organization, a business, a trust, an individual, or any other entity or
organization, including a government or political subdivision or an
instrumentality or agency thereof.

      “Registrable Securities” means (i) any shares of Common Stock issued
or issuable upon the conversion of any Preferred Shares held by the Purchasers,
(ii) any shares of Common Stock issued to any of the Purchasers pursuant to the
Amendment and Stock Purchase Agreement and (iii) any shares of Common Stock
issued with respect to the Preferred Shares or the Common Stock referred to in
clauses (i) and (ii) by way of a stock dividend, stock split or reverse
stock split or in connection with a combination of

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shares, recapitalization, merger, consolidation or otherwise. As to any
particular Registrable Securities, such securities shall cease to be
Registrable Securities (a) when a registration statement with respect to
the sale of such securities shall have become effective under the Securities
Act and such securities shall have been disposed of in accordance with such
registration statement, (b) when such securities shall have been otherwise
transferred, new certificates for them not bearing a legend restricting further
transfer shall have been delivered by the Company and subsequent public
distribution of them shall not require registration of them under the
Securities Act, (c) when such securities are eligible for sale under Rule
144(k) or any successor provision, or (d) when such securities shall have
been sold as permitted by, and in compliance with, the Securities Act.

      “Registration Expenses” means all expenses incident to the registration
and disposition of the Registrable Securities pursuant to Section 2 hereof,
including, without limitation, all registration, filing and applicable national
securities exchange fees, all fees and expenses of complying with state
securities or blue sky laws (including fees and disbursements of counsel to the
underwriters or the Purchasers in connection with “blue sky” qualification of
the Registrable Securities and determination of their eligibility for
investment under the laws of the various jurisdictions), all word processing,
duplicating and printing expenses, all messenger and delivery expenses, the
fees and disbursements of counsel for the Company and of its independent public
accountants, including the expenses of “cold comfort” letters or any special
audits required by, or incident to, such registration, all fees and
disbursements of underwriters (other than underwriting discounts and
commissions), all transfer taxes, and all fees and expenses of counsel to the
Purchasers; provided, however, that Registration Expenses shall exclude, and
the Purchasers shall pay, underwriting discounts and commissions in respect of
the Registrable Securities being registered.

      “Securities Act” means the Securities Act of 1933, as amended, or any
similar Federal statute, and the rules and regulations of the Commission
thereunder, all as the same shall be in effect at the time. References to a
particular section of the Securities Act shall include a reference to the
comparable section, if any, of any such similar Federal statute.

	 	2.	 	Registration Under Securities Act, etc.
	 
	 		 	2.1      Registration on Request.

                        (a)      Request. The Purchasers shall have the right to require the Company
to effect the registration under the Securities Act of all or part of the
Registrable Securities, by delivering a written request therefor to the Company
specifying the number of shares of Registrable Securities and the intended
method of distribution. The Company shall (i) use its reasonable best
efforts to effect the registration under the Securities Act (including by means
of a shelf registration pursuant to Rule 415 under the

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Securities Act if so requested in such request and if the Company is then
eligible to use such a registration) of the Registrable Securities which the
Company has been so requested to register by the Purchasers, for distribution
in accordance with the intended method of distribution set forth in the written
request delivered by the Purchasers, such registration to be effected as
expeditiously as possible (but in any event within 90 days of receipt of a
written request), and (ii) if requested by the Purchasers, use its
reasonable best efforts to obtain acceleration of the effective date of the
registration statement relating to such registration.

                        (b)      Registration of Other Securities. Whenever the Company
shall effect a registration pursuant to this Section 2.1 in connection with an
underwritten offering by the Purchasers of Registrable Securities, no
securities other than Registrable Securities shall be included among the
securities covered by such registration if inclusion of such other securities
would result in a request by the managing underwriters for a reduction in the
number of Registrable Securities requested to be so registered, except as
required by the terms of (i) registration rights agreements in effect on
January 20, 2000, (ii) the registration rights agreement, dated as of June 16,
2000, between NM Acquisition Corp. and Craig O. McCaw, (iii) the Warrant
Registration Rights Agreement, dated as of December 18, 1997, by and among the
Company (as successor to Concentric Network Corporation) and certain other
parties thereto, (iv) the Registration Rights Agreement, dated as of April 11,
2000, among the Company, Stanley Marsh 3 and the other persons party thereto
and (v) the registration rights agreement, dated as of January 12, 2001, by and
among the Company, Salomon Smith Barney Inc. and Goldman, Sachs & Co. (all such
registration rights agreements, collectively, the “Existing Registration Rights
Agreements”). If such Registrable Securities requested to be included in a
registration pursuant to this Section 2.1, together with other securities
requested to be included in such registration, would result in a request by the
managing underwriters for a reduction in the number of such Registrable
Securities and other securities requested to be so registered, then the Company
will be required to include in such registration only the amount of Registrable
Securities and other securities which it is so advised can be included in such
registration. In such event, securities shall be registered, subject to the
terms of the Existing Registration Rights Agreements, in the following
priority: (A) the Registrable Securities requested by the Purchasers to be
included in such registration statement pursuant to this Section 2.1, (B) the
securities proposed to be included by the Company, and then (C) any other
securities of the Company requested to be included in such registration by any
other holder having the right to include securities on a pro rata basis in
accordance with the number of securities proposed to be included by the other
stockholders with such rights.

                        (c)      Registration Statement Form. Registrations under this Section
2.1 shall be on such appropriate registration form of the Commission as,
subject to clause (a)(i) above, shall be selected by the Company and as shall
be reasonably acceptable to the Purchasers. The Company agrees to include in
any such registration

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statement all information which, in the opinion of counsel to the
Purchasers and counsel to the Company, is necessary or desirable to be included
therein.

                        (d)      Expenses. The Company shall pay all Registration Expenses in
connection with any registration requested pursuant to this Section 2.1.

                        (e)      Effective Registration Statement. A registration requested
pursuant to this Section 2.1 shall not be deemed to have been effected
(including for purposes of paragraph (h) of this Section 2.1)
(i) unless a registration statement with respect thereto has become
effective and has been kept continuously effective for a period of at least
365 days (or such shorter period which shall terminate when all the
Registrable Securities covered by such registration statement have been sold
pursuant thereto), (ii) if after it has become effective, such registration
is interfered with by any stop order, injunction or other order or requirement
of the Commission or other governmental agency or court for any reason not
attributable to the Purchasers and has not thereafter become effective, or
(iii) if the conditions to closing specified in the underwriting agreement,
if any, entered into in connection with such registration are not satisfied or
waived.

                        (f)      Selection of Underwriters. The underwriters of each
underwritten offering of the Registrable Securities so to be registered shall
be selected by the Purchasers, subject to the Company’s approval, which
approval shall not be unreasonably withheld.

                        (g)      Right to Withdraw. If the managing underwriter of any
underwritten offering shall advise the Purchasers that the Registrable
Securities covered by the registration statement cannot be sold in such
offering within a price range acceptable to the Purchasers, then the Purchasers
shall have the right to notify the Company in writing that they have determined
that the registration statement be abandoned or withdrawn, in which event the
Company shall abandon or withdraw such registration statement. In the event of
such abandonment or withdrawal, such request shall not be counted for purposes
of the requests for registration to which the Purchasers are entitled pursuant
to this Section 2.1, and the Purchasers shall pay, or reimburse the Company
for, all Registration Expenses related thereto.

                        (h)      Limitations on Registration on Request. The
Purchasers shall be entitled to require the Company to effect, and the Company
shall be required to effect, six registrations in the aggregate pursuant to
this Section 2.1.

                        (i)      Postponement. The Company shall be entitled once in any six-month
period to postpone for a reasonable period of time (but not exceeding 60 days)
(the “Postponement Period”) the filing of any registration statement required
to be prepared and filed by it pursuant to this Section 2.1 if the Company
determines, in its reasonable judgment, that such registration and offering
would materially interfere with

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any material financing, corporate reorganization or other material
transaction involving the Company or any subsidiary, or would require premature
disclosure thereof, and promptly gives the Purchasers written notice of such
determination, containing a general statement of the reasons for such
postponement (which the Purchasers shall maintain in strict confidence in
accordance with the Confidentiality Agreement (as defined in the Amendment and
Stock Purchase Agreement)) and an approximation of the anticipated delay. If
the Company shall so postpone the filing of a registration statement,
(i) the Company shall use its reasonable best efforts to limit the delay to
as short a period as is practicable and (ii) the Purchasers shall have the
right to withdraw the request for registration by giving written notice to the
Company at any time and, in the event of such withdrawal, such request shall
not be counted for purposes of the requests for registration to which the
Purchasers are entitled pursuant to this Section 2.1.

                        (j)      Shelf Registration. If the Purchasers request that the Company effect
a registration of Registrable Securities by means of shelf registration
pursuant to Rule 415 under the Securities Act (a “Shelf Registration
Statement”), in addition to the other requirements contained herein, the
Company shall, at its cost, use its reasonable best efforts to keep the Shelf
Registration Statement continuously effective in order to permit the Prospectus
forming part thereof to be usable by the Purchasers until such time as all the
Registrable Securities covered by the Shelf Registration Statement have been
sold pursuant to the Shelf Registration Statement or cease to be outstanding
(the “Effectiveness Period”); provided, however, that the Effectiveness Period
in respect of the Shelf Registration Statement shall be extended to the extent
required to permit dealers to comply with the applicable prospectus delivery
requirements under the Securities Act and as otherwise provided herein.

            2.2      Incidental Registration.

                        (a)      Right to Include Registrable Securities. If the
Company at any time proposes to register any of its securities for the account
of any other stockholder under the Securities Act by registration on
Form S-1, S-2 or S-3 or any successor or similar form(s) (except
registrations on any such Form or similar form(s) solely for registration of
securities in connection with an employee benefit plan or dividend reinvestment
plan or a merger or consolidation or incidental to an issuance of securities
under Rule 144A under the Securities Act), it will each such time give prompt
written notice to the Purchasers of its intention to do so and of the
Purchasers’ rights under this Section 2.2. Upon the written request of the
Purchasers (which request shall specify the maximum number of Registrable
Securities intended to be disposed of by the Purchasers), made as promptly as
practicable and in any event within 30 days after the receipt of any such
notice (10 days if the Company states in such written notice or gives
telephonic notice to the Purchasers, with written confirmation to follow
promptly thereafter, stating that (i) such registration will be on Form S-3
and (ii) such shorter period of time is required because of a planned
filing date), the Company shall use its

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reasonable best efforts to effect the registration under the Securities
Act of all Registrable Securities which the Company has been so requested to
register by the Purchasers; provided, however, that if, at any time after
giving written notice of its intention to register any securities and prior to
the effective date of the registration statement filed in connection with
such registration, the Company shall determine for any reason not
to register or to delay registration of such securities, the Company shall
give written notice of such determination and its reasons therefor (which the
Purchasers will hold in strict confidence in accordance with the
Confidentiality Agreement) to the Purchasers and (i) in the case of a
determination not to register, shall be relieved of its obligation to register
any Registrable Securities in connection with such registration (but not from
any obligation of the Company to pay the Registration Expenses in connection
therewith), without prejudice, however, to the rights of the Purchasers to
request that such registration be effected as a registration under
Section 2.1 and (ii) in the case of a determination to delay
registering, shall be permitted to delay registering any Registrable
Securities, for the same period as the delay in registering such other
securities. No registration effected under this Section 2.2 shall relieve the
Company of its obligation to effect any registration upon request under Section
2.1. The Company will pay all Registration Expenses in connection with any
registration of Registrable Securities requested pursuant to this Section 2.2.

                        (b)      Right to Withdraw. The Purchasers shall have the right to
withdraw its request for inclusion of its Registrable Securities in any
registration statement pursuant to this Section 2.2 at any time prior to
the execution of an underwriting agreement with respect thereto by giving
written notice to the Company of its request to withdraw.

                        (c)      Priority in Incidental Registrations. If the managing
underwriter of any underwritten offering shall inform the Company by letter of
its belief that the number of Registrable Securities requested to be included
in such registration, when added to the number of other securities to be
offered in such registration, would materially adversely affect such offering,
then the Company shall include in such registration, to the extent of the
number and type which the Company is so advised can be sold in (or during the
time of) such offering without so materially adversely affecting such offering
(the “Section 2.2 Sale Amount”) and to the fullest extent permitted by the
terms of the Existing Registration Rights Agreements, in the following
priority: (I) securities proposed to be included by the Company, (II) on a pro
rata basis in accordance with the number of securities proposed to be included
by the stockholders, if any, triggering such incidental registration, the
securities proposed by such stockholders triggering such incidental
registration, and then (III) the Registrable Securities requested by the
Purchasers to be included in such registration pursuant to Section 2.2(a)
and any other securities of the Company requested to be included in such
registration by any other holder having the right to include securities on a
pro rata basis (in an amount in the aggregate equal to the Section 2.2 Sale
Amount), based on the pro rata amount of shares

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of Common Stock held, or obtainable by exercise or conversion of other
securities of the Company, by the Purchasers or such holder.

                        (d)      Plan of Distribution. Any participation by holders of
Registrable Securities in a registration by the Company shall be in accordance
with the Company’s plan of distribution, provided that the Purchasers shall in
consultation with the Company have the right to select a co-managing
underwriter.

            2.3      Registration Procedures. If and whenever the Company is required
to use its reasonable best efforts to effect the registration of any
Registrable Securities under the Securities Act as provided in Sections 2.1
and 2.2 hereof, the Company shall as expeditiously as possible:

		
	 	      (a)      prepare and file with the Commission as soon as
practicable the requisite registration statement to effect such
registration (and shall include all financial statements required
by the Commission to be filed therewith) and thereafter use its
reasonable best efforts to cause such registration statement to
become effective; provided, however, that before filing such
registration statement (including all exhibits) or any amendment or
supplement thereto or comparable statements under securities or
blue sky laws of any jurisdiction, the Company shall as promptly as
practicable furnish such documents to the Purchasers and each
underwriter, if any, participating in the offering of the
Registrable Securities and their respective counsel, which
documents will be subject to the review and comments of the
Purchasers, each underwriter and their respective counsel; and
provided, further, however, that the Company may discontinue any
registration of its securities which are not Registrable Securities
at any time prior to the effective date of the registration
statement relating thereto;

		
	 	      (b)      notify the Purchasers of the Commission’s requests for
amending or supplementing the registration statement and the
prospectus, and prepare and file with the Commission such
amendments and supplements to such registration statement and the
prospectus used in connection therewith as may be necessary to keep
such registration statement effective and to comply with the
provisions of the Securities Act with respect to the disposition of
all Registrable Securities covered by such registration statement
for such period as shall be required for the disposition of all of
such Registrable Securities in accordance with the intended method
of distribution thereof; provided, that except with respect to any
such registration statement filed pursuant to Rule 415 under
the Securities Act, such period need not exceed 365 days;

		
	 	      (c)      furnish, without charge, to the Purchasers and each
underwriter such number of conformed copies of such registration
statement and of

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	 	each such amendment and supplement thereto (in each case
including all exhibits), such number of copies of the prospectus
contained in such registration statement (including each
preliminary prospectus and any summary prospectus) and any other
prospectus filed under Rule 424 under the Securities Act, in
conformity with the requirements of the Securities Act, and such
other documents, as the Purchasers and such underwriters may
reasonably request;

		
	 	      (d)      use its reasonable best efforts (i) to register or
qualify all Registrable Securities and other securities covered by
such registration statement under such securities or blue sky laws
of such States of the United States of America where an exemption
is not available and as the Purchasers or any managing underwriter
shall reasonably request, (ii) to keep such registration or
qualification in effect for so long as such registration statement
remains in effect, and (iii) to take any other action which may
be reasonably necessary or advisable to enable the Purchasers to
consummate the disposition in such jurisdictions of the securities
to be sold by the Purchasers, except that the Company shall not for
any such purpose be required to qualify generally to do business as
a foreign corporation in any jurisdiction wherein it would not but
for the requirements of this subsection (d) be obligated to be
so qualified or to consent to general service of process in any
such jurisdiction;

		
	 	      (e)      use its reasonable best efforts to cause all Registrable
Securities covered by such registration statement to be registered
with or approved by such other federal or state governmental
agencies or authorities as may be necessary in the opinion of
counsel to the Company and counsel to the Purchasers to consummate
the disposition of such Registrable Securities;

		
	 	      (f)      furnish to the Purchasers and each underwriter, if any,
participating in the offering of the securities covered by such
registration statement, a signed counterpart of (i) an opinion
of counsel for the Company, and (ii) a “comfort” letter signed
by the independent public accountants who have certified the
Company’s or any other entity’s financial statements included or
incorporated by reference in such registration statement, covering
substantially the same matters with respect to such registration
statement (and the prospectus included therein) and, in the case of
the accountants’ comfort letter, with respect to events subsequent
to the date of such financial statements, as are customarily
covered in opinions of issuer’s counsel and in accountants’ comfort
letters delivered to the underwriters in underwritten public
offerings of securities (and dated the dates such opinions and
comfort letters are customarily dated) and, in the case of the
legal opinion, such other legal matters;

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	 	      (g)      promptly notify the Purchasers and each managing
underwriter, if any, participating in the offering of the
securities covered by such registration statement (i) when such
registration statement, any pre-effective amendment, the prospectus
or any prospectus supplement related thereto or post-effective
amendment to such registration statement has been filed, and, with
respect to such registration statement or any post-effective
amendment, when the same has become effective; (ii) of any
request by the Commission for amendments or supplements to such
registration statement or the prospectus related thereto or for
additional information; (iii) of the issuance by the Commission
of any stop order suspending the effectiveness of such registration
statement or the initiation of any proceedings for that purpose;
(iv) of the receipt by the Company of any notification with
respect to the suspension of the qualification of any of the
Registrable Securities for sale under the securities or blue sky
laws of any jurisdiction or the initiation of any proceeding for
such purpose; (v) at any time when a prospectus relating
thereto is required to be delivered under the Securities Act, upon
discovery that, or upon the happening of any event as a result of
which, the prospectus included in such registration statement, as
then in effect, includes an untrue statement of a material fact or
omits to state any material fact required to be stated therein or
necessary to make the statements therein not misleading, in the
light of the circumstances under which they were made, and in the
case of this clause (v), at the request of the Purchasers
promptly prepare and furnish to the Purchasers and each managing
underwriter, if any, participating in the offering of the
Registrable Securities, a reasonable number of copies of a
supplement to or an amendment of such prospectus as may be
necessary so that, as thereafter delivered to the purchasers of
such securities, such prospectus shall not include an untrue
statement of a material fact or omit to state a material fact
required to be stated therein or necessary to make the statements
therein not misleading in the light of the circumstances under
which they were made; and (vi) at any time when the
representations and warranties of the Company contemplated by
Section 2.4(a) or (b) hereof cease to be true and correct;

		
	 	      (h)      otherwise comply with all applicable rules and regulations
of the Commission, and make available to its security holders, as
soon as reasonably practicable, an earnings statement covering the
period of at least twelve months beginning with the first full
calendar month after the effective date of such registration
statement, which earnings statement shall satisfy the provisions of
Section 11(a) of the Securities Act and Rule 158 promulgated
thereunder, and promptly furnish to the Purchasers a copy of any
amendment or supplement to such registration statement or
prospectus;

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	 	      (i)      provide and cause to be maintained a transfer agent and
registrar (which, in each case, may be the Company) for all
Registrable Securities covered by such registration statement from
and after a date not later than the effective date of such
registration;

		
	 	      (j)      (i) use its reasonable best efforts to cause all
Registrable Securities covered by such registration statement to be
listed on the NASDAQ “national market system” or the principal
securities exchange on which similar securities issued by the
Company are then listed (if any), if the listing of such
Registrable Securities is then permitted under the rules of such
exchange, or (ii) if no similar securities are then so listed,
use its reasonable best efforts to (x) cause all such
Registrable Securities to be listed on a national securities
exchange or (y) failing that, secure designation of all such
Registrable Securities as a NASDAQ “national market system
security” within the meaning of Rule 11Aa2-1 of the Commission or
(z) failing that, to secure NASDAQ authorization for such
shares and, without limiting the generality of the foregoing, to
arrange for at least two market makers to register as such with
respect to such shares with the National Association of Securities
Dealers, Inc.;

		
	 	      (k)      deliver promptly to counsel to the Purchasers and each
underwriter, if any, participating in the offering of the
Registrable Securities, copies of all correspondence between the
Commission and the Company, its counsel or auditors and all
memoranda relating to discussions with the Commission or its staff
with respect to such registration statement;

		
	 	      (l)      use its reasonable best efforts to obtain the withdrawal
of any order suspending the effectiveness of the registration
statement;

		
	 	      (m)      provide a CUSIP number for all Registrable Securities, no
later than the effective date of the registration statement; and

		
	 	      (n)      in connection with any underwritten public offering, make
available its senior executive officers, directors and chairman and
otherwise provide reasonable assistance to the underwriters (taking
into account the needs of the Company’s business) in their
marketing of Registrable Securities.

The Company may require the Purchasers to furnish the Company such information
regarding the Purchasers and the distribution of the Registrable Securities as
the Company may from time to time reasonably request in writing.

      The Purchasers agree that upon receipt of any notice from the Company of
the happening of any event of the kind described in paragraph (g)(iii) or
(v) of this

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Section 2.3, the Purchasers will, to the extent appropriate,
discontinue their disposition of Registrable Securities pursuant to the
registration statement relating to such Registrable Securities until, in the
case of paragraph (g)(v) of this Section 2.3, their receipt of the
copies of the supplemented or amended prospectus contemplated by
paragraph (g)(v) of this Section 2.3 and, if so directed by the
Company, will deliver to the Company (at the Company’s expense) all copies,
other than permanent file copies, then in their possession, of the prospectus
relating to such Registrable Securities current at the time of receipt of such
notice. If the disposition by the Purchasers of their securities is
discontinued pursuant to the foregoing sentence, the Company shall extend the
period of effectiveness of the registration statement by the number of days
during the period from and including the date of the giving of notice to and
including the date when the Purchasers shall have received copies of the
supplemented or amended prospectus contemplated by paragraph (g)(v) of this
Section 2.3; and, if the Company shall not so extend such period, the
Purchasers’ request pursuant to which such registration statement was filed
shall not be counted for purposes of the requests for registration to which the
Purchasers are entitled pursuant to Section 2.1 hereof.

            2.4      Underwritten Offerings.

                        (a)      Requested Underwritten Offerings. If requested by the
underwriters for any underwritten offering by the Purchasers pursuant to a
registration requested under Section 2.1, the Company shall enter into a
customary underwriting agreement (in the form of underwriting agreement used at
such time by the managing underwriter(s)) with a managing underwriter or
underwriters selected by the Purchasers. Such underwriting agreement shall be
satisfactory in form and substance to the Purchasers and shall contain such
representations and warranties by, and such other agreements on the part of,
the Company and such other terms as are generally prevailing in agreements of
the managing underwriter(s), including, without limitation, their customary
provisions relating to indemnification and contribution. The Purchasers shall
be party to such underwriting agreement and may, at their option, require that
any or all of the representations and warranties by, and the other agreements
on the part of, the Company to and for the benefit of such underwriters shall
also be made to and for the benefit of the Purchasers and that any or all of
the conditions precedent to the obligations of such underwriters under such
underwriting agreement be conditions precedent to the obligations of the
Purchasers.

                        (b)      Incidental Underwritten Offerings. In the case of a
registration pursuant to Section 2.2 hereof, if the Company shall have
determined to enter into any underwriting agreements in connection therewith,
all of the Registrable Securities to be included in such registration shall be
subject to such underwriting agreements. The Purchasers shall be party to such
underwriting agreement and may, at their option, require that any or all of the
representations and warranties by, and the other agreements on the part of, the
Company to and for the benefit of such underwriters shall

-12-

also be made to and for the benefit of the Purchasers and that any or all
of the conditions precedent to the obligations of such underwriters under such
underwriting agreement be conditions precedent to the obligations of the
Purchasers.

            2.5      Preparation; Reasonable Investigation. In connection with the
preparation and filing of each registration statement under the Securities Act
pursuant to this Agreement, the Company will give the Purchasers, their
underwriters, if any, and their respective counsel, accountants and other
representatives and agents the opportunity to participate in the preparation of
such registration statement, each prospectus included therein or filed with the
Commission, and each amendment thereof or supplement thereto, and give each of
them such access to its books and records and such opportunities to discuss the
business of the Company with its officers and employees and the independent
public accountants who have certified its financial statements, and supply all
other information reasonably requested by each of them, as shall be necessary
or appropriate, in the opinion of the Purchasers and such underwriters’
respective counsel, to conduct a reasonable investigation within the meaning of
the Securities Act.

            2.6      Indemnification.

                        (a)      Indemnification by the Company. The Company agrees that in
the event of any registration of any securities of the Company under the
Securities Act, the Company shall, and hereby does, indemnify and hold harmless
the Purchasers, their respective directors, officers, members, partners, agents
and affiliates and each other Person who participates as an underwriter in the
offering or sale of such securities and each other Person, if any, who controls
the Purchasers or any such underwriter within the meaning of the Securities
Act, against any losses, claims, damages, or liabilities, joint or several, to
which the Purchasers or any such director, officer, member, partner, agent or
affiliate or underwriter or controlling person may become subject under the
Securities Act or otherwise, insofar as such losses, claims, damages or
liabilities, joint or several (or actions or proceedings, whether commenced or
threatened, in respect thereof), arise out of or are based upon (i) any
untrue statement or alleged untrue statement of any material fact contained in
any registration statement under which such securities were registered under
the Securities Act, any preliminary prospectus, final prospectus or summary
prospectus contained therein, or any amendment or supplement thereto,
(ii) any omission or alleged omission to state therein a material fact
required to be stated therein or necessary to make the statements therein in
light of the circumstances in which they were made not misleading, or
(iii) any violation by the Company of any federal, state or common law rule
or regulation applicable to the Company and relating to action required of or
inaction by the Company in connection with any such registration, and the
Company shall reimburse the Purchasers and each such director, officer, member,
partner, agent or affiliate, underwriter and controlling Person for any legal
or any other expenses reasonably incurred by them in connection with
investigating or defending any such loss, claim, liability, action or
proceeding; provided that the Company shall not be

-13-

liable in any such case to the Purchasers or any such director, officer,
member, partner, agent, affiliate, or controlling person to the extent that any
such loss, claim, damage, liability (or action or proceeding in respect
thereof) or expense arises out of or is based upon an untrue statement or
alleged untrue statement or omission or alleged omission made in such
registration statement, any such preliminary prospectus, final prospectus,
summary prospectus, amendment or supplement in reliance upon and in conformity
with written information furnished to the Company by or on behalf of the
Purchasers, specifically stating that it is for use in the preparation thereof.
Such indemnity shall remain in full force regardless of any investigation made
by or on behalf of the Purchasers or any such director, officer, member,
partner, agent, affiliate, underwriter or controlling Person and shall survive
the transfer of such securities by the Purchasers.

                        (b)      Indemnification by the Purchasers. As a condition to
including any Registrable Securities in any registration statement, the Company
shall have received an undertaking reasonably satisfactory to it from the
Purchasers so including any Registrable Securities to indemnify and hold
harmless (in the same manner and to the same extent as set forth in paragraph
(a) of this Section 2.6) the Company, and each director of the Company,
each officer of the Company and each other Person, if any, who controls the
Company within the meaning of the Securities Act, with respect to any statement
or alleged statement in or omission or alleged omission from such registration
statement, any preliminary prospectus, final prospectus or summary prospectus
contained therein, or any amendment or supplement thereto, but only to the
extent such statement or alleged statement or omission or alleged omission was
made in reliance upon and in conformity with written information furnished to
the Company by or on behalf of the Purchasers specifically stating that it is
for use in the preparation of such registration statement, preliminary
prospectus, final prospectus, summary prospectus, amendment or supplement;
provided, however, that the liability of such indemnifying party under this
Section 2.6(b) shall be limited to the amount of proceeds (net of expenses and
underwriting discounts and commissions) received by such indemnifying party in
the offering giving rise to such liability. Such indemnity shall remain in
full force and effect, regardless of any investigation made by or on behalf of
the Company or any such director, officer or controlling Person and shall
survive the transfer of such securities by the Purchasers.

                        (c)      Notices of Claims, etc. Promptly after receipt by an
indemnified party of notice of the commencement of any action or proceeding
involving a claim referred to in the preceding subsections of this Section 2.6,
such indemnified party shall, if a claim in respect thereof is to be made
against an indemnifying party, give written notice to the latter of the
commencement of such action or proceeding; provided, however, that the failure
of any indemnified party to give notice as provided herein shall not relieve
the indemnifying party of its obligations under the preceding subsections of
this Section 2.6, except to the extent that the indemnifying party is
actually prejudiced by such failure to give notice, and shall not relieve the
indemnifying party from any liability

-14-

which it may have to the indemnified party otherwise than under this
Section 2.6. In case any such action or proceeding is brought against an
indemnified party, the indemnifying party shall be entitled to participate
therein and, unless in the opinion of outside counsel to the indemnified party
a conflict of interest between such indemnified and indemnifying parties may
exist in respect of such claim, to assume the defense thereof, jointly with any
other indemnifying party similarly notified to the extent that it may wish,
with counsel reasonably satisfactory to such indemnified party; provided,
however, that if the defendants in any such action or proceeding include both
the indemnified party and the indemnifying party and if in the opinion of
outside counsel to the indemnified party there may be legal defenses available
to such indemnified party and/or other indemnified parties which are different
from or in addition to those available to the indemnifying party, the
indemnified party or parties shall have the right to select separate counsel to
defend such action or proceeding on behalf of such indemnified party or
parties, provided, however, that the indemnifying party shall be obligated to
pay for only one counsel and one local counsel for all indemnified parties.
After notice from the indemnifying party to such indemnified party of its
election so to assume the defense thereof and approval by the indemnified party
of such counsel, the indemnifying party shall not be liable to such indemnified
party for any legal expenses subsequently incurred by the latter in connection
with the defense thereof other than reasonable costs of investigation (unless
the first proviso in the preceding sentence shall be applicable). No
indemnifying party shall be liable for any settlement of any action or
proceeding effected without its written consent. No indemnifying party shall,
without the consent of the indemnified party (which consent shall not be
unreasonably withheld or delayed), consent to entry of any judgment or enter
into any settlement which does not include as an unconditional term thereof the
giving by the claimant or plaintiff to such indemnified party of a release from
all liability in respect to such claim or litigation.

                        (d)      Contribution. If the indemnification provided for in this Section 2.6
shall for any reason be held by a court to be unavailable to an indemnified
party under subsection (a) or (b) hereof in respect of any loss, claim,
damage or liability, or any action in respect thereof, then, in lieu of the
amount paid or payable under subsection (a) or (b) hereof, the
indemnified party and the indemnifying party under subsection (a) or
(b) hereof shall contribute to the aggregate losses, claims, damages and
liabilities (including legal or other expenses reasonably incurred in
connection with investigating the same), (i) in such proportion as is
appropriate to reflect the relative fault of the indemnifying party on the one
hand, and the indemnified party on the other, which resulted in such loss,
claim, damage or liability, or action in respect thereof, with respect to the
statements or omissions which resulted in such loss, claim, damage or
liability, or action in respect thereof, as well as any other relevant
equitable considerations, or (ii) if the allocation provided by clause
(i) above is not permitted by applicable law or if the allocation provided
in this clause (ii) provides a greater amount to the indemnified party than
clause (i) above, in such proportion as shall be appropriate to reflect not
only the relative fault but also the relative benefits received by the
indemnifying party and the

-15-

indemnified party from the offering of the securities covered by such
registration statement as well as any other relevant equitable considerations.
The parties hereto agree that it would not be just and equitable if
contributions pursuant to this Section 2.6(d) were to be determined by pro
rata allocation or by any other method of allocation which does not take into
account the equitable considerations referred to in the preceding sentence of
this Section 2.6(d). No Person guilty of fraudulent misrepresentation
(within the meaning of Section 11(f) of the Securities Act) shall be
entitled to contribution from any Person who was not guilty of such fraudulent
misrepresentation. In addition, no Person shall be obligated to contribute
hereunder any amounts in payment for any settlement of any action or claim
effected without such Person’s consent, which consent shall not be unreasonably
withheld. Notwithstanding anything in this subsection (d) to the contrary,
no indemnifying party (other than the Company) shall be required to contribute
any amount in excess of the proceeds (net of expenses and underwriting
discounts and commissions) received by such party from the sale of the
Registrable Securities in the offering to which the losses, claims, damages or
liabilities of the indemnified parties relate.

                        (e)      Other Indemnification. Indemnification and contribution similar
to that specified in the preceding subsections of this Section 2.6 (with
appropriate modifications) shall be given by the Company and the Purchasers
with respect to any required registration or other qualification of securities
under any federal, state or blue sky law or regulation of any governmental
authority other than the Securities Act. The indemnification agreements
contained in this Section 2.6 shall be in addition to any other rights to
indemnification or contribution which any indemnified party may have pursuant
to law or contract and shall remain operative and in full force and effect
regardless of any investigation made by or on behalf of any indemnified party
and shall survive the transfer of any of the Registrable Securities by the
Purchasers.

                        (f)      Indemnification Payments. The indemnification and contribution
required by this Section 2.6 shall be made by periodic payments of the amount
thereof during the course of the investigation or defense, as and when bills
are received or expense, loss, damage or liability is incurred.

            2.7      Unlegended Certificates. In connection with the offering of any
Registrable Securities registered pursuant to this Section 2, the Company
shall (i) facilitate the timely preparation and delivery to the Purchasers
and the underwriters, if any, participating in such offering, of unlegended
certificates representing ownership of such Registrable Securities being sold
in such denominations and registered in such names as requested by the
Purchasers or such underwriters and (ii) instruct any transfer agent and
registrar of such Registrable Securities to release any stop transfer orders
with respect to any such Registrable Securities.

            2.8      Manner of Sale. So long as the Purchasers own in excess of 2.5% of
the fully diluted Common Stock (after giving effect to the exercise of all

-16-

outstanding options, warrants and other rights to purchase Common Stock
whether or not such options, warrants or other rights are then exercisable (the
“Threshold Amount”)), the Purchasers agree that, except as provided below or
except with the written consent of the Company (which consent shall not be
unreasonably withheld), the Purchasers shall sell or otherwise effectuate a
distribution of Registrable Securities included in a registration effected
pursuant to Section 2.1 or in a registration effected by the Company for
its own account in which the Purchasers elect, pursuant to Section 2.2, to
include Registrable Securities, only (i) pursuant to one or more firm
commitment underwritten public offerings or (ii) in one or more block trades.
Notwithstanding anything to the contrary set forth above, at any time while the
Purchasers own an amount of Common Stock in excess of the Threshold Amount, the
Purchasers shall have the right to effectuate a distribution of Registrable
Securities included in a registration effected pursuant to Section 2.1 or
in a registration effected by the Company for its own account in which the
Purchasers elect, pursuant to Section 2.2, to include Registrable Securities,
in any other manner, including pursuant to a Shelf Registration Statement, if
in the opinion of a nationally recognized investment banker selected by the
Company and the Purchasers, distributions of Registrable Securities made in the
manner proposed by the Purchasers would not adversely affect the market for the
Common Stock. Nothing contained herein shall be deemed to restrict the
Purchasers from transferring any of the Common Stock at any time. In the event
the Purchasers elect, pursuant to Section 2.2, to include Registrable
Securities in any registration effected by the Company for the account of any
other stockholder triggering such registration, the Purchasers shall sell or
otherwise effectuate a distribution of Registrable Securities pursuant to such
registration subject to the same manner of sale limitations as are applicable
to such other stockholder in such registration.

            2.9      No Required Sale. Nothing in this Agreement shall be deemed
to create an independent obligation on the part of the Purchasers to sell any
Registrable Securities pursuant to any effective registration statement.

      3.      Rule 144. The Company shall take all actions reasonably necessary
to enable holders of Registrable Securities to sell such securities without
registration under the Securities Act within the limitation of the exemptions
provided by (i) Rule 144, or (ii) any similar rule or regulation
hereafter adopted by the Commission including, without limiting the generality
of the foregoing, filing on a timely basis all reports required to be filed by
the Exchange Act. Upon the request of the Purchasers, the Company will deliver
to such holder a written statement as to whether it has complied with such
requirements.

      4.      Amendments and Waivers. This Agreement may be amended,
modified or supplemented only by written agreement of the party against whom
enforcement of such amendment, modification or supplement is sought.

      5.      [INTENTIONALLY OMITTED].

-17-

      6.      Notice. All notices and other communications hereunder shall be in
writing and, unless otherwise provided herein, shall be deemed to have been
given when received by the party to whom such notice is to be given at its
address set forth below, or such other address for the party as shall be
specified by notice given pursuant hereto:

	 	 	 
	(a)		
If to the Purchasers, to:
	 
	
	
	
	

			
c/o Forstmann Little & Co.
	
	
	
	

			
767 Fifth Avenue
	
	
	
	

			
New York, NY 10153
	
	
	
	

			
Attention: Sandra J. Horbach
	
	
	
	

	 
			
With a copy to:
	 
	
	
	
	

			
Fried, Frank, Harris, Shriver & Jacobson
	
	
	
	

			
One New York Plaza
	
	
	
	

			
New York, NY 10004
	
	
	
	

			
Attention: Robert C. Schwenkel, Esq.
	 
	
	
	
	

	(b)		
If to the Company, to it at:
	 
	
	
	
	

			
XO Communications, Inc.
	
	
	
	

			
11111 Sunset Hills Road
	
	
	
	

			
Reston, VA 20190
	
	
	
	

			
Attn: Gary D. Begeman, Esq.
	
	
	
	

	 
			
with a copy to:
	 
	
	
	
	

			
Willkie Farr & Gallagher
	
	
	
	

			
787 Seventh Avenue
	
	
	
	

			
New York, NY 10019
	
	
	
	

			
Attn: Bruce R. Kraus, Esq.

      7.      Assignment; Third Party Beneficiaries. This Agreement shall be binding
upon and inure to the benefit of and be enforceable by the parties hereto and
their respective successors and permitted assigns. This Agreement may not be
assigned by the Company, without the prior written consent of the Purchasers.
The Purchasers may, at their election, at any time or from time to time, assign
their rights under this Agreement, in whole or in part, to any Affiliate (as
defined in the Amendment and Stock Purchase Agreement) or any purchaser or
other transferee of shares of Common Stock held by them; provided, however,
that any rights to withdraw shares from inclusion in a registration statement
pursuant to Section 2 shall be made only by the Purchasers for themselves and
all such purchasers and transferees; and provided further, that no such

-18-

assignment will increase the total number of registrations pursuant to
Section 2.1 or underwritten offerings the Company is required to effect
hereunder.

      8.      Remedies. The parties hereto agree that money damages or other remedy
at law would not be sufficient or adequate remedy for any breach or violation
of, or a default under, this Agreement by them and that, in addition to all
other remedies available to them, each of them shall be entitled to an
injunction restraining such breach, violation or default or threatened breach,
violation or default and to any other equitable relief, including without
limitation specific performance, without bond or other security being required.
In any action or proceeding brought to enforce any provision of this Agreement
(including the indemnification provisions thereof), the successful party shall
be entitled to recover reasonable attorneys’ fees in addition to its costs and
expenses and any other available remedy.

      9.      No Inconsistent Agreements. The Company will not, on or after
the date of this Agreement, enter into any agreement with respect to its
securities which is inconsistent with the rights granted to the Purchasers in
this Agreement or otherwise conflicts with the provisions hereof. The Company
further represents and warrants that the rights granted to the Purchasers
hereunder do not in any way conflict with and are not inconsistent with any
other agreements to which the Company is a party or by which it is bound.

      10.      Descriptive Headings. The descriptive headings of the several
sections and paragraphs of this Agreement are inserted for reference only and
shall not control or otherwise affect the meaning hereof.

      11.      Governing Law. This Agreement shall be construed and enforced in
accordance with, and the rights and obligations of the parties hereto shall be
governed by, the laws of the State of New York, without giving effect to
the conflicts of law principles thereof. Each of the parties hereto hereby
irrevocably and unconditionally consents to submit to the exclusive
jurisdiction of the courts of the State of New York and the United States
of America located in the County of New York for any action or proceeding
arising out of or relating to this Agreement and the transactions contemplated
hereby (and agrees not to commence any action or proceeding relating thereto
except in such courts), and further agrees that service of any process,
summons, notice or document by U.S. registered mail to its respective address
set forth in Section 6 hereof shall be effective service of process for any
action or proceeding brought against it in any such court. Each of the parties
hereto hereby irrevocably and unconditionally waives any objection to the
laying of venue of any action or proceeding arising out of this Agreement or
the transactions contemplated hereby in the courts of the State of New York
or the United States of America located in the County of New York, and
hereby further irrevocably and unconditionally waives and agrees not to plead
or claim in any such court that any such action or proceeding brought in any
such court has been brought in an inconvenient forum.

-19-

      12.      Counterparts. This Agreement may be executed in any number of
counterparts, each of which shall be deemed an original, but all such
counterparts shall together constitute one and the same instrument.

      13.      Invalidity of Provision. The invalidity or unenforceability
of any provision of this Agreement in any jurisdiction shall not affect the
validity or enforceability of the remainder of this Agreement in that
jurisdiction or the validity or enforceability of this Agreement, including
that provision, in any other jurisdiction. If any restriction or provision of
this Agreement is held unreasonable, unlawful or unenforceable in any respect,
such restriction or provision shall be interpreted, revised or applied in a
manner that renders it lawful and enforceable to the fullest extent possible
under law.

      14.      Further Assurances. Each party hereto shall do and perform or
cause to be done and performed all further acts and things and shall execute
and deliver all other agreements, certificates, instruments, and documents as
any other party hereto reasonably may request in order to carry out the intent
and accomplish the purposes of this Agreement and the consummation of the
transactions contemplated hereby.

      15.      Entire Agreement; Effectiveness. This Agreement constitutes
the entire agreement, and supersedes all prior agreements and understandings
(including, without limitation, the Existing Registration Rights Agreement),
oral and written, between the parties hereto with respect to the subject matter
hereof.

-20-

      IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
and delivered by their respective officers thereunto duly authorized.

	 
	XO COMMUNICATIONS, INC
	 
	 
	By:  /s/ Daniel F. Akerson
	

	Name:  Daniel F. Akerson

Title: Chairman and Chief Executive

Officer
	 
	PURCHASERS:
	 
	FORSTMANN LITTLE & CO. SUBORDINATED DEBT AND

EQUITY MANAGEMENT BUYOUT PARTNERSHIP-VII, L.P.
	 
	 
	By:  FLC XXXIII Partnership

its general partner
	 
	By:  /s/ Winston W. Hutchins
	

	Winston W. Hutchins,

a general partner
	 
	FORSTMANN LITTLE & CO. EQUITY

PARTNERSHIP-VI, L.P.
	 
	By:  FLC XXXII Partnership, L.P.

its general partner
	 
	 
	By:  /s/ Winston W. Hutchins
	

	Winston W. Hutchins,

a general partner

-21-

	 
	 
	FL FUND, L.P.
	 
	By:  FLC XXXI Partnership, L.P.

its general partner
	 
	By:  FLC XXIX Partnership, L.P.

a general partner
	 
	 
	By:  /s/ Winston W. Hutchins
	

	Winston W. Hutchins,

a general partner

-22-<PAGE>   1
                                                                    EXHIBIT 10.1

                              AMENDED AND RESTATED
                         EXECUTIVE EMPLOYMENT AGREEMENT

         THIS AGREEMENT, dated as of April 29, 2001, is made and entered into by
and between CASH AMERICA INTERNATIONAL, INC., a Texas corporation, having an
office at 1600 W. Seventh Street, Fort Worth, Texas 76102 and DANIEL R. FEEHAN,
an executive employee of Employer (hereinafter referred to as "Executive").

         WHEREAS, Executive is employed by Cash America Management L.P.
(together with its parent corporation Cash America International, Inc.,
hereinafter referred to collectively as "Employer") in an executive capacity;

         WHEREAS, Employer and Executive entered into that certain Executive
Employment Agreement dated as of April 25, 1990 (the "Original Agreement"); and

         WHEREAS, the parties desire to amend and restate the Original Agreement
so as to provide for the terms and conditions set forth in this Agreement, and
Executive has agreed to continue as an employee of Employer pursuant to the
terms of this Agreement; and

         WHEREAS, Employer desires that the Executive continue as an employee of
Employer to provide the necessary leadership and senior management skills that
are important to the success of Employer. Employer believes that retaining the
Executive's services as an employee of Employer and the benefits of his business
experience are of material importance to Employer and Employer's shareholders.

         NOW, THEREFORE, in consideration of Executive's continued employment by
Employer and the mutual promises and covenants contained herein, the receipt and
sufficiency of which consideration is hereby acknowledged, Employer and
Executive intend by this Agreement to specify the terms and conditions of
Executive's employment relationship with Employer and the post-employment
obligations of Executive.

1. General Duties of Employer and Employee:

     1.1. Employer agrees to employ Executive and Executive agrees to accept
employment by Employer and to serve Employer in an executive capacity upon the
terms and conditions set forth herein. The duties and responsibilities of
Executive shall include those described for the particular position held by
Executive while employed hereunder in the By-laws of Employer or other documents
of Employer, and shall also include such other or additional duties as may from
time-to-time be assigned to Executive by the Board of Directors of Employer or
any duly authorized committee thereof or an authorized officer of Employer. The
executive capacity that Executive shall hold during the term hereof shall be
that position as determined by the Board of Directors, or any duly authorized
committee thereof, from time to time in its sole discretion. While employed
hereunder, the initial position that Executive shall hold (until such time as
such position may be changed as aforesaid) shall be the position of President
and Chief Executive Officer. While employed hereunder, Employer agrees that
Executive will be nominated for election to the Board of Directors annually.

<PAGE>   2

     1.2. While employed hereunder, Executive shall obey the lawful directions
of the Board of Directors of Employer, or any duly authorized committee thereof,
or authorized officers of Employer and shall use his best efforts to promote the
interests of Employer and to maintain and to promote the reputation thereof.
While employed hereunder, Executive shall devote his time, efforts, skills and
attention to the affairs of Employer in order that he shall faithfully perform
his duties and obligations hereunder and such as may be assigned to or vested in
him by the Board of Directors of Employer, or any duly authorized committee
thereof, or any duly authorized officer of Employer. The parties agree that
during the term of this Agreement, Executive shall be based in Fort Worth, Texas
and may only be reassigned to another location that is mutually acceptable to
Employer and Executive.

     1.3. During the term of this Agreement, Executive may from time to time
engage in any businesses or activities that do not compete directly and
materially with Employer and any of its subsidiaries, provided that such
businesses or activities do not materially interfere with his performance of the
duties assigned to him in compliance with this Agreement by the Board of
Directors of Employer or any duly authorized committee thereof or an authorized
officer of Employer. In any event, Executive is permitted to (i) invest his
personal assets as a passive investor in such form or manner as will not
contravene the best interests of Employer, (ii) participate in various
charitable efforts and (iii) serve on the Boards of other public or private
companies.

2. Compensation and Benefits:

     2.1. As Compensation for services to Employer, Employer shall pay to
Executive during the term of this Agreement a salary at an annual rate to be
fixed from time-to-time by the Board of Directors of Employer or any duly
authorized committee thereof, which annual rate shall in no event be less than
$433,000 per annum while Executive is employed hereunder. The salary shall be
payable in equal bi-weekly installments, subject only to such payroll and
withholding deductions as may be required by law and other deductions applied
generally to employees of Employer for insurance and other employee benefit
plans. The Board of Directors or any authorized committee or officer of Employer
shall review Executive's overall annual Compensation at least annually, with a
view to ascertaining the adequacy thereof and such Compensation may be increased
by the Board of Directors from time to time by an amount that in the opinion of
the Board of Directors is justified by Executive's performance.

     2.2. Upon Executive's furnishing to Employer customary and reasonable
documentary support (such as receipts or paid bills) evidencing costs and
expenses incurred by him in the performance of his services and duties hereunder
(including, without limitation, travel and entertainment expenses) and
containing sufficient information to establish the amount, date, place and
essential character of the expenditure, Executive shall be reimbursed for such
costs and expenses in accordance with Employer's normal expense reimbursement
policy. Executive shall be entitled to participate in all insurance, stock
option and other stock programs and compensation plans and such other benefits
plans or programs as may be from time-to-time specifically adopted and approved
by Employer for Executive.

     2.3. As long as this Agreement is in effect, Employer shall maintain
hospitalization and medical insurance coverage on Executive as may from time to
time be specifically approved and adopted by Employer for its executive officers
generally. In addition, Employer agrees to provide and maintain

                                        2
<PAGE>   3

life insurance coverage on the life of Executive in the face amount of
$3,000,000, with proceeds thereunder payable one-half to such beneficiaries as
Executive may designate and one-half to Employer, and Employer agrees to pay all
premiums on such policy. Coverage shall continue throughout the employment term
hereof. Such coverage may consist of term, group term, whole life, or any other
form of coverage, and with such insurers as Employer may select.

     2.4. While Executive is employed hereunder, Employer agrees to provide an
allowance to Executive of $15,000 per annum for costs and expenses incurred by
Executive for professional legal and/or accounting services rendered personally
to Executive, which amount shall be paid to Executive on December 1 of each year
(or such earlier time that Executive and Employer may otherwise agree).

     2.5. Executive shall be eligible to receive cash bonuses or other incentive
compensation as may be determined by the Board of Directors of Employer from
time to time. As long as this Agreement is in effect, Employer shall maintain an
Executive Compensation Program, and Executive shall be eligible to participate
therein, all in accordance with Employer's regular practices with its senior
officers.

     2.6. In order to promote the interests of Employer, Executive shall be
entitled to reimbursement from Employer for, or an allowance in respect of, the
initiation fees and all annual dues incurred by him in connection with his
membership in such luncheon clubs as may be agreed upon by Employer.

     2.7. Executive shall have the right to participate in any additional
compensation, benefit, life insurance, hospitalization, medical services or
other plan or arrangement of Employer now or hereafter existing for the benefit
of executives of Employer.

     2.8. Executive shall be entitled to such vacation (in no event less than
four weeks per year), holiday, and (subject to the provisions of Section 6.3
hereof) other paid or unpaid leave of absence as consistent with Employer's
normal policies or as otherwise approved by the Board of Directors.

3. Preservation of Business: Fiduciary Responsibility:

     Executive shall use his best efforts to preserve the business and
organization of Employer, to keep available to Employer the services of present
employees and to preserve the business relations of Employer with suppliers,
distributors, customers and others. The Executive shall not commit any act, or
in any way assist others to commit any act, that would injure Employer. So long
as the Executive is employed by Employer, Executive shall observe and fulfill
proper standards of fiduciary responsibility attendant upon his service and
office.

4. Executive's Obligation to Refrain From Using or Disclosing Information:

     4.1. As part of Executive's fiduciary duties to Employer, Executive agrees,
both during the term of this Agreement and thereafter, to protect, preserve the
confidentiality of and safeguard Employer's secret or confidential information,
knowledge, ideas, concepts, improvements, discoveries and inventions, and,
except as may be expressly required by Employer or by court order or other legal
process, Executive shall not, either during his employment by Employer or
thereafter, directly or

                                        3
<PAGE>   4

indirectly, use for his own benefit or for the benefit of another, or disclose
to another, any of such information, ideas, concepts, improvements, discoveries
or inventions.

     4.2. Upon termination of his employment with Employer, or at any other time
upon request, Executive shall immediately deliver to Employer all documents
embodying any of Employer's secret or confidential information, ideas, concepts,
improvements, discoveries and inventions.

5. Initial Term: Extensions of the Term:

     5.1. The initial term of this Agreement shall commence on the effective
date hereof and shall end on April 30, 2006.

     5.2. The Executive Compensation Committee of Employer's Board of Directors
may extend the term of this Agreement for additional successive one-year renewal
terms commencing May 1, 2006 by notifying Executive in writing, at least sixty
(60) days prior to the expiration of the then current term, of its intention to
extend this Agreement.

6. Termination other than by Expiration of the Term:

     Employer or Executive may terminate Executive's employment under this
Agreement at any time, but only on the following terms:

     6.1. Executive may terminate his employment under this Agreement at any
time upon at least sixty (60) days' prior written notice to Employer.

     6.2. Employer may terminate Executive's employment under this Agreement at
any time, without prior notice, for "due cause" upon the good faith
determination by the Board of Directors of Employer that "due cause" exists for
the termination of the employment relationship. As used herein, the term "due
cause" shall mean any of the following events:

          (i) any intentional and material misapplication by Executive of
     Employer's funds, or any other material act of dishonesty committed by
     Executive; or

          (ii) Executive's conviction of a felony involving moral turpitude; or

          (iii) Executive's unlawful use or possession of any controlled
     substance or abuse of alcoholic beverages; or

          (iv) Executive's material breach, nonperformance or nonobservance of
     any of the terms of this Agreement if such breach, nonperformance or
     nonobservance shall continue beyond a period of thirty (30) days
     immediately after notice thereof by Employer to Executive; or

          (v) any other action by the Executive involving willful and material
     malfeasance or gross negligence in the performance of Executive's duties.

                                        4
<PAGE>   5

     6.3. In the event Executive is incapacitated by accident, sickness or
otherwise so as to render Executive mentally or physically incapable of
performing the services required under Section 1 of this Agreement for a period
of one hundred eighty (180) consecutive business days, and such incapacity is
confirmed by the written opinion of two (2) practicing medical doctors licensed
by and in good standing in the state in which they maintain offices for the
practice of medicine, upon the expiration of such period or at any time
reasonably thereafter, or in the event of Executive's death, Employer may
terminate Executive's employment under this Agreement upon giving Executive or
his legal representative written notice at least thirty (30) days' prior to the
termination date. Executive agrees, after written notice by the Board of
Directors of Employer or a duly authorized committee or officer of Employer, to
submit to examinations by such practicing medical doctors selected by the Board
of Directors of Employer or a duly authorized committee or officer of Employer.

     6.4. Employer may terminate Executive's employment under this Agreement at
any time for any reason whatsoever, even without "due cause," by giving a
written notice of termination to Executive, in which case the employment
relationship shall terminate immediately upon the giving of such notice.

7. Effect of Termination:

     7.1. In the event the employment relationship is terminated (a) by
Executive upon sixty (60) days' written notice pursuant to Section 6.1 hereof,
(b) by Employer for "due cause" pursuant to Section 6.2 hereof, or (c) by
Executive breaching this Agreement by refusing to continue his employment and
failing to give the requisite sixty (60) days' written notice, all Compensation
and benefits shall cease as of the date of termination, other than: (i) those
benefits that are provided by retirement and benefit plans and programs
specifically adopted and approved by Employer for Executive that are earned and
vested by the date of termination, and (ii) Executive's pro rata annual salary
plus all earned and vested bonuses through the date of termination. Executive's
right to exercise stock options and Executive's rights in other stock plans, if
any, shall remain governed by the terms and conditions of the appropriate stock
plan.

     7.2. If Executive's employment relationship is terminated pursuant to
Section 6.3 hereof due to Executive's incapacity or death, Executive (or, in the
event of Executive's death, Executive's legal representative) will be entitled
to those benefits that are provided by retirement and benefits plans and
programs specifically adopted and approved by Employer for Executive that are
earned and vested at the date of termination and, even though no longer employed
by Employer, shall continue to receive the salary Compensation (payable in the
manner as prescribed in the second sentence of Section 2.1) for one (1) year
following the date of termination. Executive (or, in the event of Executive's
death, Executive's legal representative) shall not, however, be entitled to any
bonuses not yet paid at the date of the termination of employment. Executive's
right to exercise stock options and Executive's rights in other stock plans, if
any, shall remain governed by the terms and conditions of the appropriate stock
plan.

     7.3. If Employer (i) allows the initial term or any renewal term of this
Agreement to expire without further extending this Agreement pursuant to Section
5.2, (ii) terminates the employment of Executive other than pursuant to Section
6.2 hereof for "due cause" or other than for a disability or death pursuant to
Section 6.3 hereof, (iii) demotes the Executive to a nonexecutive position, or

                                        5
<PAGE>   6

(iv) decreases the Executive's salary below the level or reduces the employee
benefits and perquisites below the level provided for by the terms of Section 2
hereof, other than as a result of any amendment or termination of any employee
and/or executive benefit plan or arrangement, which amendment or termination is
applicable to all executives of Employer, then such action by Employer, unless
consented to in writing by Executive, shall be deemed to be a constructive
termination by Employer of Executive's employment (a "Constructive
Termination"). In the event of a Constructive Termination, the Executive shall
be entitled to receive, in a lump sum within 30 days after the date of the
Constructive Termination, an amount equal to the remainder of Executive's
current year's salary. In such event, Executive shall also be entitled to
receive an amount equal to Executive's salary, at the rate in effect immediately
prior to the event giving rise to the Constructive Termination, for a period
equal to the greater of three (3) years or the remainder of the initial term
under Section 5.1, with such amount payable in thirty-six (36) equal monthly
installments on the first day of each month beginning with the month after the
Constructive Termination; provided, however, that Employer's obligation to pay
such monthly installments shall be expressly conditioned on Executive's
continuing compliance with the non-competition requirements of Section 9.1. For
purposes of this Section 7.3, the term "salary" shall mean the sum of (i) the
annual rate of Compensation provided to Executive under Section 2.1 hereof
immediately prior to the event giving rise to the Constructive Termination, plus
(ii) the average annual cash bonuses or other cash incentive Compensation paid
to Executive by Employer under Section 2.5 hereof for the three years in the
three year period immediately preceding the year in which there shall occur a
Constructive Termination. In the event of such Constructive Termination, all
other rights and benefits Executive may have under the employee and/or executive
benefit plans and arrangements of Employer generally shall be determined in
accordance with the terms and conditions of such plans and arrangements.

8. Change of Control:

     8.1. Notwithstanding anything to the contrary otherwise provided in this
Agreement, if a "change of control" (as defined below) of Employer occurs and
within twelve (12) months from the date of such "change of control", Executive
voluntarily terminates the employment relationship under this Agreement by
giving sixty (60) days' written notice to Employer under Section 6.1 hereof or
if Employer allows the initial term or any renewal term of this Agreement to
expire within such twelve (12) month period by not extending this Agreement
pursuant to Section 5.2 or terminates Employee's employment relationship without
"due cause" pursuant to Section 6.4, then Executive, even though no longer
employed by Employer, shall be entitled to earned and vested bonuses at the date
of termination plus a payment in the amount of the remainder of Executive's
current year's salary (undiscounted) plus the present value (employing an
interest rate of 8%) of five additional years' salary, based on the salary in
effect immediately prior to the "change of control", payable at the option of
the Executive either in a lump sum within 30 days after the date of termination
or in four payments as follows: one-fourth of the total amount payable within 30
days after the date of termination and one-third of the remainder payable
together with interest at the rate of 8% per annum on each of the first three
anniversary dates of the date of termination. For purposes of this Section 8.1,
the term "salary" shall mean the sum of (i) the annual rate of Compensation
provided to Executive under Section 2.1 hereof immediately prior to the "change
of control," plus (ii) the average annual cash bonuses or other cash incentive
Compensation paid to Executive by Employer under Section 2.5 hereof for the
three years in the three year period immediately preceding the year in

                                        6
<PAGE>   7

which there shall occur a "change of control" (or, if the "change of control"
shall occur in 1991 or prior thereto, for the two years in the two year period
immediately preceding the year in which there shall occur a "change of
control"). Executive's right to exercise stock options and Employee's rights in
other stock plans, if any, shall remain governed by the terms and conditions of
the appropriate stock plan. "Change of control" shall be deemed to have occurred
if (i) any "person" (as such term is used in Section 13(d) and 14(d)(2) of the
Securities Exchange Act of 1934), becomes the beneficial owner, directly or
indirectly, of securities of Employer representing 30% or more of the combined
voting power of Employer's then outstanding securities, (ii) during any period
of 12 months, individuals who at the beginning of such period constitute the
Board of Directors of Employer cease for any reason to constitute a majority
thereof unless the election, or the nomination for election by Employer's
stockholders of each new director was approved by a vote of at least a majority
of the directors then still in office who were directors at the beginning of the
period or (iii) a person (as defined in clause (i) above) acquires (or, during
the 12-month period ending on the date of the most recent acquisition by such
person or group of persons, has acquired) gross assets of Employer that have an
aggregate fair market value greater than or equal to over 50% of the fair market
value of all of the gross assets of Employer immediately prior to such
acquisition or acquisitions.

     8.2. Notwithstanding any other provision of this Agreement, if (a) there is
a change in the ownership or effective control of Employer or in the ownership
of a substantial portion of the assets of Employer [within the meaning of
Section 280G(b)(2)(A) of the Internal Revenue Code (the "Code")], and (b) the
payments otherwise to be made pursuant to Section 8.1 and any other payments or
benefits otherwise to be paid to Executive in the nature of Compensation to be
received by or for the benefit of Employee and contingent upon such event (the
"Termination Payments") would create an "excess parachute payment" within the
meaning of Section 280G of the Code, then Employer shall make the Termination
Payments in substantially equal installments, the first installment being due
within thirty days after the date of termination and each subsequent installment
being due on January 31 of each year, such that the aggregate present value of
all Termination Payments, whether pursuant to this Agreement or otherwise, will
be as close as possible to, but not exceed, 299% of the Executive's base amount,
within the meaning of Section 280G.

9. Executive's Non-Competition Obligation:

     9.1. Executive acknowledges and agrees that he serves in a special capacity
for Employer pursuant to which he has acquired unique knowledge of the
operations and business of Employer and, as such, is not engaged in a common
calling. During the existence of Executive's employment by Employer hereunder
and, if the employment of Executive is terminated by Employer for any reason
pursuant to Section 6.2 or Executive voluntarily terminates his employment
pursuant to Section 6.1 (unless such voluntary termination occurs within twelve
months after a "change of control," as defined in Section 8.1), for a period of
three (3) years from the date on which he shall cease to be employed by
Employer, Executive shall not, acting alone or in conjunction with others,
directly or indirectly, and whether as principal, agent, officer, director,
partner, employee, consultant, broker, dealer or otherwise, in any of the
Business Territories (as defined below), engage in any business in competition
with the business conducted by Employer or any subsidiary of Employer, whether
for his own account or otherwise, or solicit, canvass or accept any business or
transaction for or from any other company or business in competition with such
business of Employer in any of

                                        7
<PAGE>   8

the Business Territories. For purposes hereof, the term "Business Territories"
means the geographical regions within the geographic borders of each State in
which Employer is doing business during the term of this Agreement and (and, in
the case of post-employment non-competition obligations) at the date of the
termination of Executive's employment with Employer and any State in which
Employer had reasonable prospects of engaging in business during the three-year
noncompetition period following termination of employment.

     9.2. It is the desire and intent of the parties that the provisions of
Section 9.1 shall be enforced to the fullest extent permissible under the laws
and public policies of the State of Texas. Accordingly, if any particular
portion of Section 9.1 shall be adjudicated to be invalid or unenforceable,
Section 9.1 shall be deemed amended to (i) reform the particular portion to
provide for such maximum restrictions as will be valid and enforceable, or if
that is not possible, then (ii) delete therefrom the portion thus adjudicated to
be invalid or unenforceable. The parties acknowledge and agree that if Executive
shall enter into any license or franchise agreement or comparable arrangement
with Employer or any subsidiary or affiliate of Employer for the operation of a
business also conducted by Employer or such subsidiary or affiliate, Executive
shall not be deemed to be "engage[d] in any business in competition with the
business conducted by Employer or any subsidiary of Employer" for purposes of
Section 9.1, provided Executive has first obtained the approval of the Executive
Compensation Committee of Employer's Board of Directors.

10. Obligations to Refrain From Competing Unfairly:

     10.1. In addition to the other obligations agreed to by Executive in this
Agreement, Executive agrees that during his employment with Employer and
following the termination of his employment by Employer he shall not at any
time, directly or indirectly, (a) induce, entice, or solicit any employee of
Employer to leave his employment, or (b) contact, communicate or solicit any
customer of Employer derived from any customer list, customer lead, mail,
printed matter or other information secured from Employer or its present or past
employees, or (c) in any other manner use any customer lists or customer leads,
mail, telephone numbers, printed material or material of Employer relating
thereto. Notwithstanding the above, the parties acknowledge and agree that if
Executive shall enter into any license or franchise agreement or comparable
arrangement with Employer or any subsidiary or affiliate of Employer for the
operation of a business also conducted by Employer or such subsidiary or
affiliate, then Executive's operation of such business in the ordinary course
shall not be deemed to be a violation of the restrictions in clauses (b) and (c)
of the preceding sentence, provided Executive has first obtained the approval of
the Executive Compensation Committee of Employer's Board of Directors.

11. Miscellaneous:

     11.1. All notices and other communications required or permitted hereunder
or necessary or convenient in connection herewith shall be in writing and shall
be deemed to have been given when mailed by registered mail or certified mail,
return receipt requested, as follows (provided that notice of change of address
shall be deemed given only when received):

                                        8
<PAGE>   9

                  If to Employer, to:

                  Cash America International, Inc.
                  1600 West 7th Street
                  Fort Worth, Texas 76102
                  Attention: General Counsel

                  If to Executive, to:

                  Daniel R. Feehan
                  3551 Dorothy Lane South
                  Fort Worth, Texas 76107

or to such other names or addresses as Employer or Executive, as the case may
be, shall designate by notice to the other party hereto in the manner specified
in this Section 11.1.

     11.2. This Agreement shall be binding upon and inure to the benefit of
Employer, its successors, legal representatives and assigns, and upon Executive,
his heirs, executors, administrators, representatives and assigns. It is
specifically agreed that upon the occurrence of any of the events specified in
Section 8.1, the provisions of this Employment Agreement shall be binding upon
and inure to the benefit of and be assumed by the surviving or resulting
corporation or the corporation to which such assets shall be transferred.
Executive agrees that his rights and obligations hereunder are personal to him
and may not be assigned without the express written consent of Employer.

     11.3. This Agreement replaces and merges all previous agreements and
discussions relating to the same or similar subject matters between Executive
and Employer with respect to the subject matter of this Agreement. Without
limiting the generality of the foregoing, this Agreement replaces and merges all
provisions of the 1989 Key Employee Stock Option Plan of Employer contained in
the second paragraph of Section 7(a), the last sentence of Section 7(d) and
Section 7(e) regarding the payment of amounts upon the termination of
Executive's employment or upon the occurrence of a "change in control" of
Employer, and the comparable provisions of any Option Agreements issued
thereunder, it being intended that this Agreement shall govern in all respects
with respect to the subject matter thereof. This Agreement may not be modified
in any respect by any verbal statement, representation or agreement made by any
employee, officer, or representative of Employer or by any written agreement
unless signed by an officer of Employer who is expressly authorized by Employer
to execute such document.

     11.4. (a) If any provision of this Agreement or application thereof to
anyone or under any circumstances shall be determined to be invalid or
unenforceable, such invalidity or unenforceability shall not affect any other
provisions or applications of this Agreement which can be given effect without
the invalid or unenforceable provision or application.

          (b) Without intending to limit the remedies available to Employer, it
is mutually understood and agreed that Executive's services are of a special,
unique, unusual, extraordinary and intellectual character giving them a peculiar
value, the loss of which cannot be reasonably or adequately compensated in
damages in an action at law, and, therefore, in the event of a breach by
Executive, Employer shall be entitled to equitable relief by way of injunction
or otherwise.

                                        9
<PAGE>   10

          (c) Executive acknowledges that Sections 4, 9 and 10 are expressly for
the benefit of Employer, that Employer would be irreparably injured by a
violation of Sections 4, 9 and/or 10 and that Employer would have no adequate
remedy at law in the event of such violation. Therefore, Executive acknowledges
and agrees that injunctive relief, specific performance or any other appropriate
equitable remedy (without any bond or other security being required) are
appropriate remedies to enforce compliance by Employer with Section 4, Section 9
and Section 10.

     11.5. Executive acknowledges that, from time to time, Employer may
establish, maintain and distribute employee manuals or handbooks or personnel
policy manuals, and officers or other representatives of Employer may make
written or oral statements relating to personnel policies and procedures. Such
manuals, handbooks and statements are intended only for general guidance. No
policies, procedures or statements of any nature by or on behalf of Employer
(whether written or oral, and whether or not contained in any employee manual or
handbook or personnel policy manual), and no acts or practices of any nature
shall be construed to modify this Agreement or to create express or implied
obligations of any nature to Executive.

     11.6. The laws of the State of Texas will govern the interpretation,
validity and effect of this Agreement without regard to the place of execution
or the place for performance thereof, and Employer and Executive agree that the
state and federal courts situated in Tarrant County, Texas shall have personal
jurisdiction over Employer and Executive to hear all disputes arising under this
Agreement. This Agreement is to be at least partially performed in Tarrant
County, Texas, and, as such, Employer and Executive agree that venue shall be
proper with the state or federal courts in Tarrant County, Texas to hear such
disputes. In the event either Employer or Executive is not able to effect
service of process upon the other with respect to such disputes, Employer and
Executive expressly agree that the Secretary of State for the State of Texas
shall be an agent of Employer and/or the Executive to receive service of process
on behalf of Employer and/or the Executive with respect to such disputes.

12. Additional Instruments:

     Executive and Employer shall execute and deliver any and all additional
instruments and agreements that may be necessary or proper to carry out the
purposes of this Agreement.

     IN WITNESS WHEREOF, the undersigned, intending to be legally bound, have
executed this Agreement as of the date first written above.

CASH AMERICA INTERNATIONAL, INC.                      EXECUTIVE

By: /s/ Jack R. Daugherty                             /s/ Daniel R. Feehan
    ----------------------------------------          --------------------------
    Jack R. Daugherty, Chairman of the Board          Daniel R. Feehan

                                       10

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