Document:

<PAGE>
                                                                    EXHIBIT 10.1

                                              September 26, 2002

Allied HealthCare Products, Inc.
1720 Sublette Avenue

ST. LOUIS, MISSOURI 63110

RE: FIRST AMENDMENT

Gentlemen:

Allied HealthCare Products, Inc. a Delaware corporation ("BORROWER") and LASALLE
BANK NATIONAL ASSOCIATION, a national banking association ("BANK") have entered
into that certain Loan and Security Agreement dated April 24, 2002 (the
"SECURITY AGREEMENT"). From time to time thereafter, Borrower and Bank may have
executed various amendments (each an "AMENDMENT" and collectively the
"AMENDMENTS") to the Security Agreement (the Security Agreement and the
Amendments hereinafter are referred to, collectively, as the "AGREEMENT").
Borrower and Bank now desire to further amend the Agreement as provided herein,
subject to the terms and conditions hereinafter set forth.

NOW, THEREFORE, in consideration of the foregoing recitals, the mutual covenants
and agreements set forth herein and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
hereby agree as follows:

         1. The Agreement hereby is amended as follows:

         (A) Subparagraph (2)(b) of the Agreement is deleted in its entirety and
the following is substituted in its place:

                  (2) CAPITAL EXPENDITURE LOANS.

                      (B)     Subject to the terms and conditions of this
                              Agreement and the Other Agreements, from time to
                              time after the initial Loans are advanced
                              hereunder, Lender shall make advances to Borrower
                              up to eighty percent (80%) of the purchase price
                              (exclusive of sales taxes, delivery charges and
                              other "soft" costs related to such purchase) of
                              Equipment to be purchased with the proceeds of
                              such advances, (including, without limitation,
                              Equipment purchased since June 30, 2001) which
                              Equipment is acceptable

                                       5
<PAGE>

                              to Lender in its sole discretion, and upon which
                              Lender shall have a first priority perfected
                              security interest; provided, that (i) the
                              aggregate amount advanced for such purchases shall
                              not exceed Four Million and No/100 Dollars
                              ($4,000,000.00), (ii) at least (5) Business Days
                              prior to any such advance hereunder, Borrower
                              shall have furnished to Lender an invoice and
                              acceptance letter for the Equipment being
                              purchased and shall have executed such documents
                              and taken such other actions as Lender shall
                              reasonably require to assure that Lender has a
                              priority perfected security interest in such
                              Equipment, and (iii) all such advances hereunder
                              shall occur on or before the date that is eight
                              (8) months after the date hereof.

         (B) Subparagraph (2)(c)(ii) of the Agreement is deleted in its entirety
and the following is substituted in its place:

                  (C) REPAYMENTS:

                      (II)    REPAYMENT OF CAPITAL EXPENDITURE LOANS. The
                              Capital Expenditure Loans shall be repaid in sixty
                              (60) equal monthly installments of principal in an
                              amount sufficient to pay such Capital Expenditure
                              Loan in full by the final payment, payable
                              commencing on the date that is eight (8) months
                              from the date hereof, and on the corresponding day
                              of each month thereafter (or if there is no
                              corresponding day, on the last day of each month);
                              provided that any remaining outstanding principal
                              balance of the Capital Expenditure Loans shall be
                              repaid at the end of the Original Term or any
                              Renewal Term if this Agreement is renewed pursuant
                              to Section 10 hereof. If any such payment due date
                              is not a Business Day, then such payment may be
                              made on the next succeeding Business Day and such
                              extension of time shall be included in the
                              computation of the amount of interest and fees due
                              hereunder.

                                       6

<PAGE>

         (C) Subparagraph (3)(a) of the Agreement is deleted in its entirety and
the following is substituted in its place:

                  (3) LETTERS OF CREDIT.

                      (A)     GENERAL TERMS. Subject to the terms and conditions
                              of the Agreement and the Other Agreements, during
                              the Original Term or any Renewal Term, Lender
                              shall, absent the existence of an event of
                              Default, from time to time issue, upon Borrower's
                              request, commercial and/or standby Letters of
                              Credit; provided, that the aggregate undrawn face
                              amount of all such Letters Of Credit shall at no
                              time exceed Five Million and No/100 Dollars
                              ($5,000,000.00). Payments made by Lender to any
                              Person on account of any Letter of Credit shall
                              constitute Loans hereunder and Borrower agrees
                              that each payment made by Lender in respect of a
                              Letter of Credit shall constitute a Loan
                              hereunder. Borrower shall remit to Lender a Letter
                              of Credit fee equal to two and one-half percent
                              (2-1/2%) per annum on the aggregate undrawn face
                              amount of all Letters of Credit outstanding, which
                              fee shall be payable monthly in arrears on the
                              last Business Day of each month. Borrower shall
                              also pay on demand the normal and customary
                              administrative charges of the Lender for issuance,
                              amendment, negotiation, renewal or extension of
                              any Letter of Credit.

         (D) Subparagraph (4)(a) of the Agreement is deleted in its entirety and
the following is substituted in its place:

                  (4) INTEREST, FEES, AND CHARGES.

                      (A)     Each Loan shall bear interest at the rate of
                              three-fourths of one percent (.75 of 1%) per annum
                              in excess of Bank's publicly announced prime rate
                              (which is not intended to be Bank's lowest or most
                              favorable rate in effect at any time) (the "PRIME
                              RATE") in effect from time to time, payable on the
                              last business day of each month in arrears. Said
                              rate of interest shall increase or decrease by an
                              amount equal to each increase or decrease in the
                              Prime Rate

                                       7

<PAGE>

                              effective on the effective date of each such
                              change in the Prime Rate. Upon the occurrence of
                              an Event of Default, each Loan shall bear interest
                              at the rate of two percent (2%) per annum in
                              excess of the interest rate otherwise payable
                              thereon, which interest shall be payable on
                              demand. All interest shall be calculated on the
                              basis of a 360-day year.

         (E) Subparagraph (4)(b) of the Agreement entitled "Other Libor
Provisions" is deleted in its entirety and the phrase "Intentionally Omitted" is
substituted in its place.

         (F) Subparagraph (4)(c)(ii) of the Agreement is deleted in its entirety
and the following is substituted in its place:

                  (ii) AMENDMENT FEE: Borrower shall pay to Bank an amendment
         fee of Twenty Thousand and No/100 Dollars ($20,000.00), which fee shall
         be fully earned by Bank and payable upon execution of this Amendment.

         (G) Subparagraph (14)(b) of the Agreement is deleted in its entirety
and the following is substituted in its place:

             (B) FIXED CHARGE COVERAGE RATIO. Borrower hereby covenants and
agrees not to permit the Ratio of EBITDA to Fixed Charges for each period set
forth below to be less than the amount set forth below for such period:

<TABLE>
<CAPTION>
                                         Period                                   Amount
                                         ------                                   ------
<S>                                                                             <C>
                 From July 1, 2002 through December 31, 2002                    .10 TO 1.0
                 From July 1, 2002 through March 31, 2003                       .50 TO 1.0
                 From July 1, 2002 through June 30, 2003                        .75 TO 1.0
                 Thereafter on July 1, 2003, and for each twelve (12) month
                 period ending on the last day of each month.                   1.0 TO 1.0
</TABLE>

         (H) Subparagraph (14)(c) of the Agreement is deleted in its entirety
and the following is substituted in its place:

                                       8
<PAGE>

                      (C)     Borrower shall not permit EBITDA to be less than
                              (i) negative (-$45,000.00) for the three (3) month
                              period ending September 30, 2002; (ii) $250,000.00
                              for the six (6) month period ending December 31,
                              2002; (iii) $1,500,000.00 for the nine (9) month
                              period ending March 31, 2003; (iv) $2,600,000.00
                              for the twelve (12) month period ending on June
                              30, 2003. Thereafter, as of the last day of each
                              fiscal quarter for the twelve (12) month period
                              ending on each such date, commencing September 30,
                              2003 Borrower shall not permit EBITDA to be less
                              than $2,600,000.00.

                  This Amendment shall not become effective until fully executed
by all parties hereto.

                  3. Except as expressly amended hereby and by any other
supplemental documents or instruments executed by either party hereto in order
to effectuate the transactions contemplated hereby, the Agreement and Exhibit A
thereto hereby are ratified and confirmed by the parties hereto and remain in
full force and effect in accordance with the terms thereof.

                                    LASALLE BANK NATIONAL ASSOCIATION

                                    By__________________________________________

                                    Title_______________________________________

ACKNOWLEDGED AND AGREED TO
this ____ day of September, 2002:

ALLIED HEALTHCARE PRODUCTS, INC.

By_______________________________

Title____________________________

                                       9<PAGE>
                                                                   EXHIBIT 10.86

           Fourth Amendment to Amended and Restated Credit Agreement
<PAGE>
            FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

         THIS FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
"Amendment"), dated as of September 30, 2002 is among EZCORP, INC., a Delaware
corporation ("Borrower"), each of the Lenders signatory hereto party to the
Agreement referred to below, and WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION, a
national banking association, as Agent for itself and the other Lenders (in such
capacity, together with its successors in such capacity the "Agent") and as the
Issuing Bank.

                                    RECITALS:

         Borrower, Agent, Lenders and Issuing Bank have previously entered into
that certain Amended and Restated Credit Agreement dated as of December 15, 2000
as amended by (a) that certain First Amendment to Amended and Restated Credit
Agreement dated as of May 1, 2001, (b) that certain Second Amendment to Amended
and Restated Credit Agreement dated as of October 10, 2001, and (c) that certain
Third Amendment to Amended and Restated Credit Agreement dated as of December 3,
2001 (as amended, the "Agreement").

         Borrower, Agent, Lenders and Issuing Bank now desire to amend the
Agreement to extend the existing Loans.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the parties hereto agree as follows:

                                    ARTICLE I

                                   Definitions

         1.1 Definitions. All capitalized terms not otherwise defined herein,
shall have the same meanings as in the Agreement, as amended hereby.

                                   ARTICLE II

         2.1 Amendment to Definitions in Section 1.1. Effective as of the date
hereof, the following definition in Section 1.1 of the Agreement is amended and
restated or added to read in its entirety as follows:

                  "Termination Date" means, with respect to the Tranche A Loan
         and the Swing Loan, 8:00 a.m. San Francisco, California time on
         November 1, 2002, or such earlier date and time on which the Tranche A
         Commitment and the Swing Commitment terminate as provided in this
         Agreement.

<PAGE>

                                   ARTICLE III

                              Conditions Precedent

         3.1 Condition. The effectiveness of this Amendment is subject to the
satisfaction of the following conditions precedent:

             (a) Agent shall have received all of the following, each dated
     (unless otherwise indicated) the date of this Amendment, in form and
     substance satisfactory to the Agent:

                  (i) This Amendment executed by the Borrower, the Agent, the
             Issuing Bank and the Lenders and consented by the Guarantors.

                  (ii) Resolutions of the Board of Directors of Borrower
             certified by its secretary or assistant secretary which authorizes
             the execution, delivery and performance by Borrower of this
             Amendment and the other Loan Documents executed in connection
             herewith.

                  (iii) A certificate of incumbency certified by the secretary
             or the assistant secretary of Borrower certifying the names of the
             officers thereof authorized to sign this Amendment and the other
             Loan Documents together with specimen signatures of such officers.

                  (iv) Resolutions of the Board of Directors of each of the
             Guarantors certified by its secretary or assistant secretary which
             authorize the execution, delivery and performance by each of the
             Guarantors of this Amendment and the other Loan Documents executed
             in connection herewith.

                  (v) A certificate of incumbency certified by the secretary or
             the assistant secretary of each Guarantor certifying the names of
             the officers thereof authorized to sign this Amendment and the
             other Loan Documents together with specimen signatures of such
             officers.

                  (vi) A bring down certificate of the Secretary or Assistant
             Secretary of the Borrower and each Guarantor certifying that the
             Certificate or Articles of Incorporation (or Partnership Agreement)
             and Bylaws have not been modified in any respect from the copies
             thereof previously provided to the Agent and the Lenders in
             connection with the Credit Agreement dated as of December 10, 1998
             among the Borrower, the Agent, the Issuing Bank and the Lenders.

             (b) No Default. No Default shall have occurred and be continuing.

             (c) Representations and Warranties. All of the representations and
     warranties contained in Article VII of the Agreement, as amended hereby and
     in the other Loan Documents shall be true and correct on and as of the date
     of this Amendment with the same force and effect as if such representations
     and warranties had been made on and as

                                      -2-
<PAGE>
         of such date, except to the extent such representations and warranties
         speak to a specific date

                  (d) Amendment Fee. The Borrower shall have paid to the Agent
         for the account of the Lenders a nonrefundable amendment fee in the
         amount of $7,500 per Lender (the "Amendment Fee"), which Amendment Fee
         is due and payable as of the date hereof; provided that; in the event
         the Borrower and any Lender shall execute and deliver on or before
         November 1, 2002 any documentation related to a resyndication of the
         Obligations, such executing Lender shall credit its Amendment Fee to
         any amounts due to such executing Lender as an upfront fee or similar
         fee in connection with such resyndication.

                                   ARTICLE IV

                 Ratifications. Representations and Warranties

         4.1 Ratifications. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions set forth in
the Agreement and except as expressly modified and superseded by this Amendment,
the terms and provisions of the Agreement and the other Loan Documents are
ratified and confirmed and shall continue in full force and effect. Borrower,
Lenders, Issuing Bank and Agent agree that the Agreement as amended hereby and
the other Loan Documents shall continue to be legal, valid, binding and
enforceable in accordance with their respective terms.

         4.2 Representations and Warranties. Borrower hereby represents and
warrants to the Lenders, Agent and Issuing Bank that (i) the execution, delivery
and performance of this Amendment and any and all other Loan Documents executed
and/or delivered in connection herewith have been authorized by all requisite
corporate action on the part of Borrower and will not violate the certificate of
incorporation or bylaws of Borrower, (ii) the representations and warranties
contained in the Agreement, as amended hereby, and any other Loan Document are
true and correct on and as of the date hereof as though made on and as of the
date hereof, except to the extent such representations and warranties speak to a
specific date, (iii) no Default has occurred and is continuing, and (iv)
Borrower is in full compliance with all covenants and agreements contained in
the Agreement as amended hereby.

                                    ARTICLE V

                                  Miscellaneous

         5.1 Survival of Representations and Warranties. All representations and
warranties made in this Amendment or any other Loan Document including any Loan
Document furnished in connection with this Amendment shall survive the execution
and delivery of this Amendment and the other Loan Documents, and no
investigation by the Lenders, Agent or Issuing Bank or any closing shall affect
the representations and warranties or the right of the Lenders, Agent or Issuing
Bank to rely upon them.

                                      -3-
<PAGE>

         5.2 Reference to Agreement. Each of the Loan Documents, including the
Agreement and any and all other agreements, documents, or instruments now or
hereafter executed and delivered pursuant to the terms hereof or pursuant to the
terms of the Agreement as amended hereby, are hereby amended so that any
reference in such Loan Documents to the Agreement shall mean a reference to the
Agreement as amended hereby.

         5.3 Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

         5.4 Applicable Law. This Amendment and all other Loan Documents
executed pursuant hereto shall be deemed to have been made and to be performable
in Travis County, Texas and shall be governed by and construed in accordance
with the laws of the State of Texas.

         5.5 Successors and Assigns. This Amendment is binding upon and shall
inure to the benefit of the Lenders, Agent, Issuing Bank and Borrower and their
respective successors and assigns, except Borrower may not assign or transfer
any of its rights or obligations hereunder without the prior written consent of
the Lenders.

         5.6 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument. Signatures transmitted by facsimile or other electronic means shall
be effective as originals.

         5.7 WAIVER AND RELEASE. IN ORDER, TO INDUCE THE AGENT, THE LENDERS AND
THE ISSUING BANK TO AGREE TO THIS AMENDMENT, BORROWER AND EACH GUARANTOR
REPRESENT AND WARRANT THAT AS OF THE DATE HEREOF THERE ARE NO CLAIMS OR OFFSETS
AGAINST OR DEFENSES OR COUNTERCLAIMS TO THEIR OBLIGATIONS UNDER THE LOAN
DOCUMENTS AND IN ACCORDANCE THEREWITH EACH OF THEM:

                  (a) WAIVER. WAIVES ANY AND ALL SUCH CLAIMS, OFFSETS, DEFENSES
         OR COUNTERCLAIMS, WHETHER KNOWN OR UNKNOWN, ARISING PRIOR TO THE DATE
         HEREOF, AND

                  (b) RELEASE. RELEASES AND DISCHARGES THE AGENT, THE LENDERS
         AND THE ISSUING BANK, AND THEIR RESPECTIVE OFFICERS, DIRECTORS,
         EMPLOYEES, AGENTS, SHAREHOLDERS, AFFILIATES AND ATTORNEYS
         (COLLECTIVELY, THE "RELEASED PARTIES") FROM ANY AND ALL OBLIGATIONS,
         INDEBTEDNESS, LIABILITIES, CLAIMS, RIGHTS, CAUSES OF ACTION OR DEMANDS
         WHATSOEVER, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, IN LAW
         OR EQUITY, WHICH THE BORROWER OR ANY GUARANTOR EVER HAD, NOW HAS,
         CLAIMS TO HAVE OR MAY HAVE AGAINST ANY RELEASED PARTY ARISING PRIOR TO
         THE DATE HEREOF AND FROM OR IN CONNECTION WITH THE LOAN

                                      -4-
<PAGE>

                  DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED THEREBY AND HEREBY.

                  5.8 ENTIRE AGREEMENT. THIS AMENDMENT AND ALL OTHER
         INSTRUMENTS, DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN
         CONNECTION WITH THIS AMENDMENT REPRESENT THE FINAL AGREEMENT AMONG THE
         PARTIES HERETO AND MAY NOT BE CONTRADICTED OR VARIED BY EVIDENCE OF
         PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OR DISCUSSIONS OF
         THE PARTIES HERETO. THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE
         PARTIES HERETO.

                  [Remainder of Page Intentionally Left Blank]

                                      -5-
<PAGE>
Executed as of the date first written above.

                                               BORROWER:

                                               EZCORP, INC.

                                               By:  /s/ DANIEL N. TONISSEN
                                                  ------------------------------
                                                  Name:  Daniel N. Tonissen
                                                       -------------------------
                                                  Title:  Sr. Vice-President
                                                        ------------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)
<PAGE>
                                             AGENT, ISSUING BANK AND LENDER:

                                             WELLS FARGO BANK TEXAS, NATIONAL
                                             ASSOCIATION

                                             By: /s/ RICHARD GAN
                                                --------------------------------
                                                Richard Gan
                                                Vice President

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)
<PAGE>
                                                OTHER LENDERS:

                                                BANK ONE, N.A.

                                                By:  /s/ CARL F. SHAFER
                                                   -----------------------------
                                                   Name:  Carl F. Shafer
                                                        ------------------------
                                                   Title:  First Vice President
                                                         -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)
<PAGE>

                                    GUARANTY BANK

                                    By:  /s/ CHRIS HARKRIDER
                                       -----------------------------
                                       Name: Chris Harkrider
                                            ------------------------
                                       Title: Senior Vice President
                                             -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)
<PAGE>

                                    COMERICA BANK-TEXAS

                                    By:  /s/ AAMIR SHAH
                                       -----------------------------
                                       Name: Aamir Shah
                                            ------------------------
                                       Title:  Vice President
                                             -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)
<PAGE>
                                        JPMORGAN CHASE BANK

                                        By: /s/ BRUCE A. SHILCUTT
                                           ------------------------------------
                                        Name: Bruce A. Shilcutt
                                              ---------------------------------
                                        Title: Vice President
                                               --------------------------------

  (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

<PAGE>
         Guarantors hereby consent and agree to this Amendment and agree that
each Guaranty shall remain in full force and effect and shall continue to (i)
guarantee the Guaranteed Indebtedness (as defined in such Guaranty), and (ii) be
the legal, valid and binding obligation of Guarantors and enforceable against
Guarantors and collateral in accordance with their respective terms. In
addition, Guarantors hereby agree that each Subsidiary Security Agreement, each
Subsidiary Pledge Agreement, each Contribution and Indemnification Agreement and
each Real Property Security Document shall remain in full force and effect and
shall continue to (i) secure the Obligations (as defined in the Loan Documents
other than the Real Property Security Documents) and Debt (as defined in the
Real Property Security Documents), and (ii) be the legal, valid and binding
obligation of Guarantors and enforceable against Guarantors and collateral in
accordance with their respective terms.

                                        OBLIGATED PARTIES:

                                        EZ CAR SALES, INC.
                                        EZCORP INTERNATIONAL, INC.
                                        EZMONEY HOLDINGS, INC.
                                          (formerly EZPAWN South Carolina, Inc.)
                                        EZMONEY MANAGEMENT, INC.
                                          (formerly EZPAWN Kansas, Inc.)
                                        EZMONEY NORTH CAROLINA, INC.
                                        EZPAWN ALABAMA, INC.
                                        EZPAWN ARKANSAS, INC.
                                        EZPAWN COLORADO, INC.
                                        EZPAWN CONSTRUCTION, INC.
                                        EZPAWN FLORIDA, INC.
                                        EZPAWN GEORGIA, INC.
                                        EZPAWN HOLDINGS, INC.
                                        EZPAWN INDIANA, INC.
                                        EZPAWN KENTUCKY, INC.
                                        EZPAWN LOUISIANA, INC.
                                        EZPAWN MISSOURI, INC.
                                        EZPAWN NEVADA, INC.
                                        EZPAWN NORTH CAROLINA, INC.
                                        EZPAWN OKLAHOMA, INC.
                                        EZPAWN TENNESSEE, INC.
                                        TEXAS EZPAWN MANAGEMENT, INC.

                                        By:  /s/  DANIEL N. TONISSEN
                                           -------------------------------------
                                           Name:  Daniel N. Tonissen
                                                --------------------------------
                                           Title: Sr. Vice-President
                                                 -------------------------------

  (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

<PAGE>
                                         TEXAS EZPAWN L.P.

                                         By:  TEXAS EZPAWN MANAGEMENT, INC.,
                                              its sole general partner

                                              By: /s/ DANIEL N. TONISSEN
                                                 ------------------------------
                                                 Name: Daniel N. Tonissen
                                                      -------------------------
                                                 Title: Sr. Vice-President
                                                       ------------------------

                                         TEXAS PRA MANAGEMENT, L.P.

                                         By:  EZMoney Management, Inc.,
                                              its sole general partner

                                              By: /s/ DANIEL N. TONISSEN
                                                 ------------------------------
                                                 Name: Daniel N. Tonissen
                                                      -------------------------
                                                 Title: Sr. Vice-President
                                                       ------------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

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