Document:

Exhibit 10.1

 

THIS CONVERTIBLE PROMISSORY NOTE (THIS
“NOTE”) AND THE SECURITIES INTO WHICH IT MAY BE CONVERTED HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933,
AS AMENDED (THE “SECURITIES ACT”), OR UNDER THE SECURITIES LAWS OF ANY STATE. THESE SECURITIES ARE SUBJECT TO RESTRICTIONS
ON TRANSFERABILITY AND RESALE. THIS NOTE HAS BEEN ACQUIRED FOR INVESTMENT ONLY AND MAY NOT BE SOLD, TRANSFERRED OR ASSIGNED EXCEPT
AS PERMITTED UNDER THE SECURITIES ACT AND THE APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR EXEMPTION THEREFROM.
INVESTORS SHOULD BE AWARE THAT THEY MAY BE REQUIRED TO BEAR THE FINANCIAL RISKS OF THIS INVESTMENT FOR AN INDEFINITE PERIOD OF
TIME. THE COMPANY AND THE SECURITIES INTO WHICH IT MAY BE CONVERTED MAY REQUIRE AN OPINION OF COUNSEL REASONABLY SATISFACTORY IN
FORM, SCOPE AND SUBSTANCE TO THE COMPANY TO THE EFFECT THAT ANY SALE OR OTHER DISPOSITION IS IN COMPLIANCE WITH THE SECURITIES
ACT AND ANY APPLICABLE STATE SECURITIES LAWS.

 

GRAF INDUSTRIAL CORP.

CONVERTIBLE PROMISSORY NOTE

 

	
        Principal Amount: Not to Exceed $1,500,000

        (See Schedule A)

         
	Dated as of August 5, 2020

FOR VALUE RECEIVED
and subject to the terms and conditions set forth herein, Graf Industrial Corp., a Delaware corporation (the “Maker”),
promises to pay to the order of Graf Acquisition LLC or its registered assigns or successors in interest (the “Payee”),
or order, the principal balance as set forth on Schedule A hereto in lawful money of the United States of America; which
schedule shall be updated from time to time by the parties hereto to reflect all advances and readvances outstanding under this
Note; provided that at no time shall the aggregate of all advances and readvances outstanding under this Note exceed one
million five hundred thousand dollars ($1,500,000). Any advance hereunder shall be made by the Payee upon receipt of a written
request of the Maker, related to ongoing expenses reasonably related to the business of the Maker and the consummation of the Business
Combination (as defined below), and shall be set forth on Schedule A. Any advance hereunder shall only be made by the Payee
as, and to the extent, expenses are incurred or are reasonably expected to be incurred and the amounts of such advance shall be
used to pay or repay such expenses. All payments on this Note shall be made by check or wire transfer of immediately available
funds or as otherwise determined by the Maker to such account as the Payee may from time to time designate by written notice in
accordance with the provisions of this Note.

 

1.      
Principal. All unpaid principal under this Note shall be due and payable in full on the earlier of (i) October 31, 2020
and (ii) the effective date of a merger, capital stock exchange, asset acquisition, stock purchase, reorganization or similar business
combination, involving the Company and one or more businesses (the “Business Combination”) (such earlier
date, the “Maturity Date”), unless accelerated upon the occurrence of an Event of Default (as defined
below). Any outstanding principal amount to date under this Note may be prepaid at any time by the Maker, at its election and without
penalty; provided, however, that Payee shall have a right to first convert such principal balance pursuant to Section
5 below upon notice of such prepayment.

 

2.      
Interest. No interest shall accrue on the unpaid balance of this Note.

 

3.      
Application of Payments. All payments shall be applied first to payment in full of any costs incurred in the collection
of any sum due under this Note, including (without limitation) reasonable attorney’s fees, then to the payment in full of
any late charges and finally to the reduction of the unpaid principal balance of this Note.

 

4.      
Events of Default. The occurrence of any of the following shall constitute an event of default (“Event of
Default”):

 

(a)    
Failure to Make Required Payments. Failure by the Maker to pay the principal amount due pursuant to this Note within
five (5) business days of the date specified above or issue warrants pursuant to Section 5 hereof, if so elected by the
Payee.

 

     

     

    

 

(b)   
Voluntary Bankruptcy, Etc. The commencement by the Maker of a voluntary case under any applicable bankruptcy, insolvency,
reorganization, rehabilitation or other similar law, or the consent by it to the appointment of or taking possession by a receiver,
liquidator, assignee, trustee, custodian, sequestrator (or other similar official) of the Maker or for any substantial part of
its property, or the making by it of any assignment for the benefit of creditors, or the failure of the Maker generally to pay
its debts as such debts become due, or the taking of corporate action by the Maker in furtherance of any of the foregoing.

 

(c)    
Involuntary Bankruptcy, Etc. The entry of a decree or order for relief by a court having jurisdiction in the premises
in respect of the Maker in an involuntary case under any applicable bankruptcy, insolvency or other similar law, or appointing
a receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar official) of the Maker or for any substantial part
of its property, or ordering the winding-up or liquidation of its affairs, and the continuance of any such decree or order unstayed
and in effect for a period of sixty (60) consecutive days.

 

5.      
Conversion 

 

(a)    
Optional Conversion. At the option of the Payee, at any time on or prior to the Maturity Date, any amounts outstanding
under this Note (or any portion thereof), up to $1,500,000 in the aggregate, may be converted into warrants to purchase shares
of common stock of the Maker (“Common Stock”) at a conversion price (the “Conversion
Price”) equal to $0.75 per warrant (“Warrants”). If the Payee elects such conversion, the
terms of such Warrants issued in connection with such conversion shall be identical to the warrants issued to the Payee in the
private placement that closed on October 18, 2018 (the “Private Placement Warrants”) in connection with
the Maker’s initial public offering that closed on October 18, 2018 (the “IPO”); provided,
however, that the Warrants shall not be subject to forfeiture in connection with the Business Combination and that each
Warrant shall entitle the holder thereof to purchase three-fourths (3/4) share of Common Stock at a price of $11.50 per share,
subject to the same adjustments applicable to the Private Placement Warrants. Before this Note may be converted under this Section
5(a), the Payee shall surrender this Note, duly endorsed, at the office of the Maker and shall state therein the amount of
the unpaid principal of this Note to be converted and the name or names in which the certificates for Warrants are to be issued
(or the book-entries to be made to reflect ownership of such Warrants with the Maker’s transfer agent). The conversion shall
be deemed to have been made immediately prior to the close of business on the date of the surrender of this Note and the person
or persons entitled to receive the Warrants upon such conversion shall be treated for all purposes as the record holder or holders
of such Warrants as of such date. Each such newly issued Warrant shall include a restricted legend that contemplates the same restrictions
as the Private Placement Warrants. The Warrants and shares of Common Stock issuable upon exercise of the Warrants shall constitute
“Registrable Securities” pursuant to that certain Registration Rights Agreement, dated October 15, 2018, among the
Maker, the Payee and certain other security holders named therein.

 

(b)   
Remaining Principal. All accrued and unpaid principal of this Note that is not then converted into Warrants, shall
continue to remain outstanding and to be subject to the conditions of this Note.

 

(c)    
Fractional Warrants; Effect of Conversion. No fractional Warrants shall be issued upon conversion of this Note. In
lieu of any fractional Warrants to the Payee upon conversion of this Note, the Maker shall pay to the Payee an amount equal to
the product obtained by multiplying the Conversion Price by the fraction of a Warrant not issued pursuant to the previous sentence.
Upon conversion of this Note in full and the payment of any amounts specified in this Section 5(c), this Note shall be cancelled
and void without further action of the Maker or the Payee, and the Maker shall be forever released from all its obligations and
liabilities under this Note.

 

6.      
Remedies.

 

(a)    
Upon the occurrence of an Event of Default specified in Section 4(a) hereof, the Payee may, by written notice to
the Maker, declare this Note to be due immediately and payable, whereupon the unpaid principal amount of this Note, and all other
amounts payable thereunder, shall become immediately due and payable without presentment, demand, protest or other notice of any
kind, all of which are hereby expressly waived, anything contained herein or in the documents evidencing the same to the contrary
notwithstanding.

 

    	 	2	 

     

    

 

(b)   
Upon the occurrence of an Event of Default specified in Sections 4(b) or 4(c), the unpaid principal balance
of this Note, and all other sums payable with regard to this Note, shall automatically and immediately become due and payable,
in all cases without any action on the part of the Payee.

 

7.      
Waivers. The Maker and all endorsers and guarantors of, and sureties for, this Note waive presentment for payment, demand,
notice of dishonor, protest, and notice of protest with regard to the Note, all errors, defects and imperfections in any proceedings
instituted by the Payee under the terms of this Note, and all benefits that might accrue to the Maker by virtue of any present
or future laws exempting any property, real or personal, or any part of the proceeds arising from any sale of any such property,
from attachment, levy or sale under execution, or providing for any stay of execution, exemption from civil process, or extension
of time for payment; and the Maker agrees that any real estate that may be levied upon pursuant to a judgment obtained by virtue
hereof, on any writ of execution issued hereon, may be sold upon any such writ in whole or in part in any order desired by the
Payee.

 

8.      
Unconditional Liability. The Maker hereby waives all notices in connection with the delivery, acceptance, performance,
default, or enforcement of the payment of this Note, and agrees that its liability shall be unconditional, without regard to the
liability of any other party, and shall not be affected in any manner by any indulgence, extension of time, renewal, waiver or
modification granted or consented to by the Payee, and consents to any and all extensions of time, renewals, waivers, or modifications
that may be granted by the Payee with respect to the payment or other provisions of this Note, and agrees that additional makers,
endorsers, guarantors, or sureties may become parties hereto without notice to the Maker or affecting the Maker’s liability
hereunder.

 

9.      
Notices. All notices, statements or other documents which are required or contemplated by this Note shall be in writing
and delivered (i) personally or sent by first class registered or certified mail, overnight courier service to the address designated
in writing, (ii) by facsimile to the number most recently provided to such party or such other address or fax number as may be
designated in writing by such party, or (iii) by electronic mail, to the electronic mail address most recently provided to such
party or such other electronic mail address as may be designated in writing by such party. Any notice or other communication so
transmitted shall be deemed to have been given on the day of delivery, if delivered personally or by facsimile or electronic transmission;
one (1) business day after delivery to an overnight courier service; or five (5) days after mailing if sent by first class registered
or certified mail.

 

10.   
Construction. THIS NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF NEW YORK APPLICABLE TO CONTRACTS
MADE AND TO BE PERFORMED WITHIN THE STATE OF NEW YORK.

 

11.   
Severability. Any provision contained in this Note which is prohibited or unenforceable in any jurisdiction shall, as
to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions
hereof, and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision
in any other jurisdiction.

 

12.   
Trust Waiver. Notwithstanding anything herein to the contrary, the Payee hereby waives any and all right, title, interest
or claim of any kind (“Claim”) in or to any distribution of or from the trust account established in which the
proceeds of the IPO conducted by the Maker (including the deferred underwriters discounts and commissions) and certain proceeds
of the sale of the Private Placement Warrants were deposited, as described in greater detail in the registration statement and
prospectus filed with the U.S. Securities and Exchange Commission in connection with the IPO on October 18, 2018, and hereby agrees
not to seek recourse, reimbursement, payment or satisfaction for any Claim against the trust account for any reason whatsoever.

 

13.   
Amendment; Waiver. Any amendment hereto or waiver of any provision hereof may be made with, and only with, the written
consent of the Maker and the Payee.

 

14.   
Successors and Assigns. Subject to the restrictions on transfer in Sections 15 and 16 below, the rights
and obligations of the Maker and the Payee hereunder shall be binding upon and benefit the successors, assigns, heirs, administrators
and transferees of any party hereto (by operation of law or otherwise) with the prior written consent of the other party hereto
and any attempted assignment without the required consent shall be void.

 

    	 	3	 

     

    

 

15.   
Transfer of this Note or Securities Issuable on Conversion. With respect to any sale or other disposition of this Note
or securities into which this Note may be converted, the Payee shall give written notice to the Maker prior thereto, describing
briefly the manner thereof, together with (i) except for a Permitted Transfer, in which case the requirements in this clause (i)
shall not apply, a written opinion reasonably satisfactory to the Maker in form and substance from counsel reasonably satisfactory
to the Maker to the effect that such sale or other distribution may be effected without registration or qualification under any
federal or state law then in effect and (ii) a written undertaking executed by the desired transferee reasonably satisfactory to
the Maker in form and substance agreeing to be bound by the restrictions on transfer contained herein. Upon receiving such written
notice, reasonably satisfactory opinion, or other evidence, and such written acknowledgement, the Maker, as promptly as practicable,
shall notify the Payee that the Payee may sell or otherwise dispose of this Note or such securities, all in accordance with the
terms of the note delivered to the Maker. If a determination has been made pursuant to this Section 15 that the opinion
of counsel for the Payee, or other evidence, or the written acknowledgment from the desired transferee, is not reasonably satisfactory
to the Maker, the Maker shall so notify the Payee promptly after such determination has been made. Each Note thus transferred shall
bear a legend as to the applicable restrictions on transferability in order to ensure compliance with the Securities Act, unless
in the opinion of counsel for the Maker such legend is not required in order to ensure compliance with the Securities Act. The
Maker may issue stop transfer instructions to its transfer agent in connection with such restrictions. Subject to the foregoing,
transfers of this Note shall be registered upon registration on the books maintained for such purpose by or on behalf of the Maker.
Prior to presentation of this Note for registration of transfer, the Maker shall treat the registered holder hereof as the owner
and holder of this Note for the purpose of receiving all payments of principal hereon and for all other purposes whatsoever, whether
or not this Note shall be overdue and the Maker shall not be affected by notice to the contrary. For purposes hereof “Permitted
Transfer” shall have the same meaning as any transfer that would be permitted for the Private Placement Warrants
under the Letter Agreement, dated October 15, 2018, among the Maker, the Payee and the other parties thereto.

 

16.   
Acknowledgment. The Payee is acquiring this Note for investment for its own account, not as a nominee or agent, and
not with a view to, or for resale in connection with, any distribution thereof. The Payee understands that the acquisition of this
Note involves substantial risk. The Payee has experience as an investor in securities of companies and acknowledges that it is
able to fend for itself, can bear the economic risk of its investment in this Note, and has such knowledge and experience in financial
and business matters that it is capable of evaluating the merits and risks of this investment in this Note and protecting its own
interests in connection with this investment.

 

[Signature Page Follows]

 

    	 	4	 

     

    

 

IN WITNESS WHEREOF,
the Maker, intending to be legally bound hereby, has caused this Note to be duly executed by the undersigned as of the day and
year first above written.

 

 

	 	GRAF INDUSTRIAL CORP.
	 	 	 
	 	By:	/s/ James A. Graf
	 	Name:	James A. Graf
	 	Title:	Chief Executive Officer

 

Acknowledged and agreed as of the date
first above written.

 

 

	GRAF ACQUISITION LLC	 
	 	 	 
	By:	/s/ James A. Graf	 
	Name:	James A. Graf	 
	Title:	Manager	 

 

    [Signature
Page to Convertible Promissory Note]

     

    

 

SCHEDULE A

 

Subject to the terms
and conditions set forth in the Note to which this schedule is attached to, the principal balance due under the Note shall be set
forth in the table below and shall be updated from time to time to reflect all advances and readvances outstanding under the Note.

 

	Date	 	Drawing	 	Description	 	Principal Undrawn Balance	 
	August 5, 2020	 	$100,000	 	Payment of HSR review fee	 	$1,400,000Document

Execution Version

1.THIRD AMENDMENT TO
SECOND AMENDED AND RESTATED CREDIT AGREEMENT
THIS THIRD AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”), dated to be effective as of June 29, 2020 (the “Third Amendment Effective Date”), is entered into by and among CARDTRONICS plc, an English public limited company (the “Parent”), the other Obligors (as defined in the Credit Agreement defined below) party hereto, the Lenders (as defined below) party hereto and JPMorgan Chase Bank, N.A., as Administrative Agent for the Lenders (in such capacity, the “Administrative Agent”).
2.Preliminary Statement
WHEREAS, the Parent, the other Obligors party thereto, the lenders party thereto (the “Lenders”) and the Administrative Agent are parties to that certain Second Amended and Restated Credit Agreement dated as of November 19, 2018 (as amended by Amendment No. 1, dated as of September 19, 2019, Amendment No. 2, dated as of May 29, 2020 and as further amended, restated, amended and restated, supplemented or otherwise modified prior to the date hereof, the “Credit Agreement” and as amended by this Amendment, the “Amended Credit Agreement”); and
WHEREAS, pursuant to Section 10.02 of the Credit Agreement, the Credit Agreement may be amended with the written consent of the Borrowers, the Administrative Agent and the Majority Lenders;
WHEREAS, the Borrowers have now asked the Administrative Agent and the Lenders to amend certain provisions of the Credit Agreement;
WHEREAS, the Administrative Agent and the Lenders constituting the Majority Lenders are willing to do so subject to the terms and conditions set forth herein, provided that the Obligors (other than those Obligors being released pursuant to Section 3 hereof) ratify and confirm all of their respective obligations under the Credit Agreement and the other Loan Documents; and
NOW, THEREFORE, in consideration of the premises and further valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:
a.Defined Terms.  Unless otherwise defined herein, capitalized terms used herein have the meanings assigned to them in the Credit Agreement.
b.Amendments to Credit Agreement.  Effective as of the Third Amendment Effective Date, the Lenders party hereto constituting at least the Majority Lenders, the Administrative Agent and the Borrowers hereby agree:

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(i)The Credit Agreement (exclusive of the Exhibits and Schedules thereto) is hereby amended to delete the bold, stricken text (indicated textually in the same manner as the following example: stricken text) and to add the double-underlined text (indicated textually in the same manner as the following example: double-underlined text) as set forth in the pages of the Credit Agreement attached as Annex A hereto.
(ii)Each of the Schedules to the Credit Agreement are hereby amended to read in their entirety pursuant to each corresponding Schedule set forth on Annex B attached hereto.
(iii)Each of the Exhibits to the Credit Agreement are hereby amended to read in their entirety pursuant to each corresponding Exhibits set forth Annex C attached hereto. 
c.Release of Certain Obligors.  Effective as of the Third Amendment Effective Date, (i) each Obligor (other than an Obligor that is organized under the laws of the United States, any state thereof or the District of Columbia) (each, a “Released Security Party”) is hereby released as a Debtor under the Security Agreement and any security interest or lien granted by a Released Security Party in favor of the Administrative Agent, in each case, in connection with the Credit Agreement and/or any Loan Document, is hereby automatically terminated, released and discharged, (ii) each of Cardtronics Australasia Pty Ltd and Spark ATM Systems Proprietary Limited (each, a “Released Guarantor Party”) is hereby released as a Guarantor under the Credit Agreement and any guarantee of the Obligations, in each case, in connection with the Credit Agreement and/or any Loan Document, is hereby automatically terminated, released and discharged, (iii) Cardtronics Australasia Pty Ltd is released as a Borrower under the Credit Agreement and (iv) any security interest or lien granted by Cardtronics Cayman II, Inc. in favor of the Administrative Agent is hereby automatically terminated, released and discharged. The Administrative Agent hereby agrees that, in connection with the Credit Agreement and/or any Loan Document, and at the cost of the applicable Released Security Party in accordance with Section 10.03 of the Credit Agreement, (i) it will promptly execute and deliver to the Released Security Parties (or any designee thereof) any such lien releases, discharges of security interests, pledges and other similar release or discharge documents (including financing termination statements with respect to the UCC (including, without limitation, a UCC financing termination statement with respect to each debtor (including Cardtronics Cayman II, Inc.) on the UCC-1 financing statement 2015053421), the Australian Personal Property Securities Register and/or the Alberta Personal Property Securities Register) as are reasonably requested to release such security interests and liens and (ii) it will promptly deliver to the Released Security Parties (or any designee thereof) all instruments (if any) evidencing pledged debt and all equity certificates and any other similar collateral previously delivered to the Administrative Agent; 
d.Conditions Precedent.  This Amendment shall be effective as of the Third Amendment Effective Date upon satisfaction of the following conditions precedent (subject to Section 5.16 of the Amended Credit Agreement):
(i)the Administrative Agent shall have received counterparts of this Amendment, duly executed by the Borrowers, the other Obligors party hereto and the Majority Lenders (which, subject to Section 10.06(b) of the Amended Credit Agreement, may include any 
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Electronic Signatures transmitted by telecopy, emailed pdf. or any other electronic means that reproduces an image of an actual executed signature page);
(ii)no Default or Event of Default shall exist before or after giving effect to this Amendment and the Transactions;
(iii)the representations and warranties of the Obligors set forth in Section 6 of this Amendment are true and correct before and after giving effect to this Amendment and the Transactions; 
(iv)to the extent not already delivered, the U.S. Borrowers shall have delivered to the Administrative Agent the Security Agreement, together with all annexes thereto, duly executed by the U.S. Borrowers and each of the U.S. Guarantors, together with a duly executed Trademark Security Agreement;
(v)the Administrative Agent shall have received (i) a certificate from each Obligor that is organized under the laws of the United States, any state thereof or the District of Columbia relating to the organization, existence and good standing, to the extent applicable, of such Obligor, the authorization of the Transactions to occur on the Third Amendment Effective Date, the authority of each natural Person executing any of the Loan Documents on behalf of any such Obligor and (ii) with respect to each Obligor (other than an Obligor that is that is organized under the laws of the United States, any state thereof or the District of Columbia), evidence of authorization of the Transactions to occur on the Third Amendment Effective Date, in each case, all in form and substance reasonably satisfactory to the Administrative Agent;
(vi)the Lenders, the Administrative Agent and the Arrangers shall have received all fees and other amounts due and payable on or prior to the Third Amendment Effective Date, including reimbursement or payment of all reasonable and documented out-of-pocket expenses required to be reimbursed or paid by Parent or the Borrowers required by Section 10.03 of the Amended Credit Agreement;
(vii)the Administrative Agent shall have received favorable written opinions (addressed to the Administrative Agent, the Lenders, the Issuing Lenders and the Swingline Lenders and dated the Third Amendment Effective Date) of Weil, Gotshal & Manges LLP, as U.S. counsel to the Obligors, in form and substance reasonably satisfactory to the Administrative Agent;
(viii)the Administrative Agent shall have received reports of UCC, United States Patent and Trademark Office and United States Copyright Office, tax and judgment Lien searches conducted by a reputable search firm with respect to each of the Obligors from their respective jurisdiction of formation and such reports shall not disclose any Liens other than Permitted Liens;
(ix)to the extent not previously delivered to the Administrative Agent, the Administrative Agent shall have received evidence of insurance coverage of the Parent and the Restricted Subsidiaries, which coverage shall be consistent with the requirements set forth in 
        -3-
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Section 5.05 of the Amended Credit Agreement and shall name the Administrative Agent as an additional insured and as a loss payee on the liability and casualty insurance policies;
(x)the Administrative Agent shall have received a certificate, dated the Third Amendment Effective Date and signed by a responsible officer of the Parent, confirming compliance with the matters specified in paragraphs (b) and (c) of Section 4 of this Amendment;
(xi)the Administrative Agent and each relevant Lenders shall have received, at least three days prior to the Third Amendment Effective Date, (i) all documentation and other information regarding the Parent requested in connection with applicable “know your customer” and anti-money laundering rules and regulations, including the Patriot Act, and their respective internal policies, that has been reasonably requested by the Administrative Agent or such Lender, as applicable, at least 10 Business Days prior to the Effective Date and (ii) to the extent the Parent or any other Obligor qualifies as a “legal entity customer” under the Beneficial Ownership Regulation, a Beneficial Ownership Certification in relation to the Parent or such other Obligor; and
(xii)the Administrative Agent shall have received a certificate from a Financial Officer of Parent certifying as to the solvency of Parent and its Restricted Subsidiaries on a consolidated basis after giving effect to the Transactions.
e.Ratification.  Each Obligor party hereto hereby ratifies all of its Obligations under the Credit Agreement and each of the Loan Documents to which it is a party, and agrees and acknowledges that the Credit Agreement and except as specifically amended herein, each of the other Loan Documents to which it is a party are and shall continue to be in full force and effect as amended and modified by this Amendment (or by amendment or amendment and restatement on the date hereof).  Nothing in this Amendment extinguishes, novates or releases any right, claim, lien, security interest or entitlement of any of the Lenders or the Administrative Agent created by or contained in any of such documents other than in respect of the Released Security Parties nor is any Obligor released from any covenant, warranty or obligation created by or contained herein or therein, other than pursuant to Section 3 herein.
f.Representations and Warranties.  Each Obligor party hereto hereby represents and warrants to the Lenders and the Administrative Agent that (a) this Amendment has been duly executed and delivered on behalf of such Obligor, (b) this Amendment constitutes a valid and legally binding agreement enforceable against such Obligor in accordance with its terms, subject to applicable bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium or other laws affecting creditors’ rights generally and subject to general principles of equity, regardless of whether considered in a proceeding in equity or at law, (c) the representations and warranties contained in the Amended Credit Agreement and the other Loan Documents to which it is a party are true and correct on and as of the date hereof in all material respects as though made as of the date hereof, except for such representations and warranties as are by their express terms limited to a specific date, in which case such representations and warranties were true and correct in all material respects as of such specific date; provided that, in any case, to the extent any such representation and warranty is qualified by Material Adverse Effect or materiality qualifier, such representation and warranty is true and correct in all respects, 
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(d) no Default or Event of Default exists under the Amended Credit Agreement or under any other Loan Document or will result immediately upon giving effect to this Amendment and the Transactions, and (e) the execution, delivery and performance of this Amendment has been duly authorized by such Obligor.
g.Counterparts.  This Amendment may be signed in any number of counterparts, which may be delivered in original, facsimile or electronic form each of which shall be construed as an original, but all of which together shall constitute one and the same instrument.
h.Governing Law; Jurisdiction; Consent to Service of Process; WAIVER OF JURY TRIAL.  The provisions of Sections 10.09 and 10.10 of the Credit Agreement are hereby deemed to be incorporated herein, mutatis mutandis.
i.Amendment is a Loan Document; References to the Credit Agreement.  This Amendment is a Loan Document, as defined in the Credit Agreement.  On and after the effectiveness of this Amendment, all references in the Credit Agreement to “this Agreement” mean the Amended Credit Agreement.
j.Final Agreement of the Parties.  THIS AMENDMENT, THE AMENDED CREDIT AGREEMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE PARTIES.
[Signature pages follow]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their respective officers thereunto duly authorized as of the date first above written.
BORROWERS:

CARDTRONICS PLC

By: /s/ Gary Ferrera             
Name: Gary Ferrera
Title: Chief Financial Officer

CARDTRONICS HOLDINGS LIMITED

By: /s/  E. Brad Conrad             
Name: E. Brad Conrad
Title: Director

CATM EUROPE HOLDINGS LIMITED

By: /s/  Jana Hile            
Name: Jana Hile
Title: Director

CATM HOLDINGS LLC

By: /s/  E. Brad Conrad            
Name: E. Brad Conrad
Title: President

CARDTRONICS USA, INC.

By: /s/  E. Brad Conrad            
Name: E. Brad Conrad
Title: Treasurer

[Continued on following page]
Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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CARDTRONICS UK LIMITED

By: /s/  Jana Hile           
Name: Jana Hile
Title: Director

CARDTRONICS CANADA HOLDINGS INC.

By: /s/  Patrick Moriarty           
Name: Patrick Moriarty
Title: Senior Vice-President, North America,  Accounting Operations

CARDPOINT GMBH

By: /s/  Jana Hile         
Name: Jana Hile
Title: Director

GUARANTORS:

CARDPOINT LIMITED

By: /s/  Jana Hile           
Name: Jana Hile
Title: Director

CARDTRONICS CANADA ATM PROCESSING PARTNERSHIP

By:  Cardtronics Canada Operations Inc., its
        Managing Partner
Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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By: /s/  Patrick Moriarty          
Name: Patrick Moriarty
Title: Senior Vice-President, North America,  Accounting Operations

CARDTRONICS CANADA LIMITED PARTNERSHIP

By:  Cardtronics Canada Operations Inc., its
        General Partner

By:  
Name: Patrick Moriarty
Title: Senior Vice-President, North America,  Accounting Operations

CATM AUSTRALASIA HOLDINGS LIMITED

By: /s/  E. Brad Conrad            
Name: E. Brad Conrad
Title: Director

[Continued on following page]

 CATM NORTH AMERICA HOLDINGS LIMITED
By: /s/  E. Brad Conrad          
Name: E. Brad Conrad
Title: Director

CARDTRONICS, INC.

By: /s/  E. Brad Conrad            
Name: E. Brad Conrad
Title: President

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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SUNWIN SERVICES GROUP (2010) LIMITED

By: /s/  Andrew Dean Shaw          
Name: Andrew Dean Shaw
Title: Director

ATM NATIONAL, LLC

By: /s/  E. Brad Conrad          
Name: E. Brad Conrad
Title: Treasurer

CARDTRONICS HOLDINGS, LLC

By:/s/  E. Brad Conrad           Name: E. Brad Conrad
Title: President

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With respect to Section 3 hereof only, 

SPARK ATM SYSTEMS PROPRIETARY LIMITED

By: /s/  Jana Hile           
Name: Jana Hile
Title: Director

CARDTRONICS AUSTRALASIA PTY LTD

In accordance with section 127 of the Corporations Act 2001 (Cth) by a director and secretary/director

By: /s/  Jana Hile           
Name: Jana Hile
Title: Director

By: /s/  Andrew Wingrove          
Name: Andrew Wingrove
Title: Director

ADMINISTRATIVE AGENT AND LENDER:
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JPMORGAN CHASE BANK, N.A.

        By: /s/  Min Park         Name: Min Park
        Title: Executive Director

        

LENDER:
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BANK OF AMERICA, N.A.

By: /s/ Adam Rose 
Name: Adam Rose
Title: SVP

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

WELLS FARGO BANK, N.A.

By: /s/  Hannah Wolfert          
Name: Hannah Wolfert
Title: Vice President

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

Capital One, N.A.

By: /s/  Paul Isaac                                                   
Name:  Paul Isaac 
Title:  Duly Authorized Signatory 
        

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

BBVA USA

By:  /s/  Collis Sanders                                           
Name: Collis Sanders 
Title: Executive Vice President 

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

PNC BANK, NATIONAL ASSOCIATION

By: /s/  Andrea L. Kinnik          
Name: Andrea L. Kinnik
Title: Senior Vice President

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:
PNC Bank Canada Branch

By:  /s/  David T. Olsen                                         
Name: David T. Olsen 
Title: Principal Officer 
Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

CITIBANK, N.A.

By:   /s/  Chris Hartzell          
Name: Chris Hartzell
Title: Managing Director

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

BANK OF MONTREAL

By:  /s/  Madelyne Dreyfuss                     
Name: Madelyne Dreyfuss
Title: Vice President

BANK OF MONTREAL, London Branch

By:  /s/  Tom Woolgar                              
Name: Tom Woolgar
Title: Vice President

By:  /s/  Scott Matthews                            
Name: Scott Matthews
Title: Managing Director
Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

HSBC Bank USA, N.A.

By:   /s/  Shaun R. Kleinman                                 
Name: Shaun R. Kleinman 
Title: Senior Vice President 

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

Canadian Imperial Bank of Commerce

By: /s/  Scott Daniel                                      
Name: Scott Daniel
Title: Authorized Signature

By:  /s/  Mario Frison                                     
Name: Mario Frison
Title: Authorized Signature

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

Goldman Sachs Lending Partners LLC

By:   /s/  Jamie Mineri                                            
Name: Jamie Mineri 
Title: Authorized Signatory 

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

U.S. Bank National Association

By:   /s/  Ken Gorski               
Name: Ken Gorski
Title: Vice President

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

BARCLAYS BANK PLC

By:   /s/  Gill Skala                                                 
Name: Gill Skala 
Title: Director 
Executed in New York

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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LENDER:

NATIONAL WESTMINSTER BANK PLC

By:   /s/ Alex Maltby                                             
Name: Alex Maltby 
Title: Associate Director 

Signature Page to Third Amendment to Second Amended and Restated Credit Agreement

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Annex A

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Annex B

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Annex C

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