Standard Contracts
EXHIBIT 10(r) NOTENote • November 5th, 1998 • Credit Concepts Inc
________________________, 199___ after date, I (or if more than one maker), we jointly and severally, promise to pay to the order of ________________________ at ________________________; ________________________________________ DOLLARS, With interest hereon at the rate of 12.000% per annum from March 26, 1998 until paid; interest to be paid monthly and if so not paid, all the principal and interest, at the option of the holder of this note, shall become immediately due and collectable. Any part hereof may be paid at any time. If this note is placed in the hands of an attorney for collection, I/we promise and agree to pay holder's reasonable attorney's fees and collection costs, even though no such suit or action is filed hereon; if a suit is filed, the amount of such reasonable attorney's fees shall be fixed by the courts in which the suit or action, including any appeal therein, is tried, heard or decided.
BILL OF SALE EFFECTIVE DATE: January 20, 1998 PARTIES: ALBERT CREDIT, LLC, an Oregon Limited Liability Co. ("Seller") CREDIT CONCEPTS, INC., an Oregon corporation ("Buyer") AGREEMENTS: IN CONSIDERATION of the mutual promises of the parties, and other...Bill of Sale • March 31st, 1999 • Credit Concepts Inc • Personal credit institutions
FORBEARANCE AGREEMENTForbearance Agreement • March 31st, 1999 • Credit Concepts Inc • Personal credit institutions
In connection with the $5,000,000 public offering by Credit Concepts, Inc. of its Investment Certificates, I hereby confirm my agreement not to demand payment of any of the promissory notes of Credit Concepts, Inc. that I presently hold until on or after December 31, 2000.
EXHIBIT NO. 10(ee) MASTER DEALER AGREEMENT DATE: December 22, 1997Master Dealer Agreement • November 16th, 2000 • Credit Concepts Inc • Personal credit institutions • Oregon
EXHIBIT 10(k) COMMERCIAL SECURITY AGREEMENTCommercial Security Agreement • November 5th, 1998 • Credit Concepts Inc • Oregon
LOAN AGREEMENTLoan Agreement • November 5th, 1998 • Credit Concepts Inc • Oregon
EXHIBIT 10(f) COMMERCIAL GUARANTYCommercial Guaranty • November 5th, 1998 • Credit Concepts Inc • Oregon
CONTINUING GUARANTY. For good and valuable consideration, Thomas W. Palmer ("Guarantor") absolutely and unconditionally guarantees and promises to pay to Pacific Continental Bank ("Lender") or its order, in legal tender of the United States of America, the Indebtedness (as that term is defined below) of Credit Concepts, Inc. ("Borrower") to Lender on the terms and conditions set forth in this Guaranty. The obligations of Guarantor under this Guaranty are continuing.
EXHIBIT 10(l) AGREEMENT TO PROVIDE INSURANCEAgreement to Provide Insurance • November 5th, 1998 • Credit Concepts Inc
INSURANCE REQUIREMENTS. Credit Concepts, Inc. ("Grantor") understands that insurance coverage is required in connection with the extending of a loan or the providing of other financial accommodations to Grantor by Lender. These requirements are set forth in the security documents. The following minimum insurance coverages must be provided on the following described collateral (the "Collateral"):
Exhibit 10(dd) PERSONAL GUARANTY FOR VALUE RECEIVED, and in consideration of any loan or other financial accommodation heretofore or hereafter at any time made or granted to Credit Concepts, Inc. ("Borrower"), by Summit Bank ("Lender"), the...Personal Guaranty • November 16th, 2000 • Credit Concepts Inc • Personal credit institutions • Pennsylvania
BY AND BETWEENFinance Agreement • November 16th, 2000 • Credit Concepts Inc • Personal credit institutions • Pennsylvania
Dealer Number Contract Number Date ------------------------------------------------------------------------------ | Buyer (and Co-Buyer)-Name and Address | Creditor/Seller-Name and Address (Include County and Zip Code) | |...Retail Installment Contract • November 5th, 1998 • Credit Concepts Inc • Oregon
EXHIBIT 10(p) BUY-SELL AGREEMENT EFFECTIVE DATE: January 20, 1998 PARTIES: TED W. PALMER, Trustee, THOMAS W. PALMER, and EUGENE C. ALBERT (hereafter "Shareholders") CREDIT CONCEPTS, INC., (hereafter "Corporation") an Oregon corporation RECITALS: A....Buy-Sell Agreement • November 5th, 1998 • Credit Concepts Inc
Exhibit 10(bb) REVOLVING CREDIT NOTE ----------------------Revolving Credit Note • November 16th, 2000 • Credit Concepts Inc • Personal credit institutions
FOR VALUE RECEIVED and intending to be legally bound, the undersigned, Credit Concepts, Inc. ("Borrower") promises to pay, in lawful money of the United States, to the order of Summit Bank ("Lender"), at the offices of Summit Bank, 6 East Trenton Avenue, Suite 201, Morrisville, PA 19067, (or at such other address as Lender may designate to Borrowers), the maximum aggregate principal sum of Five Million ($5,000,000) Dollars or such lesser sum which represents the outstanding balance of the principal balance outstanding under the Revolving Credit established pursuant to the provisions of that certain Finance Agreement dated of even date, herewith between Lender and Borrower (as supplemented, amended, extended or replaced from time to time, the "Loan Agreement"). All capitalized terms used but not otherwise defined herein shall have the meanings ascribed to them in the Loan Agreement.
EXHIBIT 10(h) COMMERCIAL GUARANTYCommercial Guaranty • November 5th, 1998 • Credit Concepts Inc • Oregon
CONTINUING GUARANTY. For good and valuable consideration, Ted W. Palmer ("Guarantor") absolutely and unconditionally guarantees and promises to pay to Pacific Continental Bank ("Lender") or its order, in legal tender of the United States of America, the Indebtedness (as that term is defined below) of Credit Concepts, Inc. ("Borrower") to Lender on the terms and conditions set forth in this Guaranty. The obligations of Guarantor under this Guaranty are continuing.
EXHIBIT 10(o) EMPLOYMENT AGREEMENT DATE: September 24 , 1997 PARTIES: Credit Concepts, L.L.C., an Oregon Limited Liability Company (hereafter "the Company") Kimberly Coleman (hereafter "Coleman") RECITALS: A. The Company has been formed for the...Employment Agreement • November 5th, 1998 • Credit Concepts Inc
BORROWER: Credit Concepts, Inc. LENDER: Pacific Continental Bank 2149 Centennial Plaza, Suite 2 P.O. Box 10727 Eugene, OR 97401 Eugene, OR 97440Promissory Note • November 5th, 1998 • Credit Concepts Inc
PROMISE TO PAY. Credit Concepts, Inc. ("Borrower") promises to pay to Pacific Continental Bank ("Lender"), or order, in lawful money of the United States of America, the principal amount of Three Million & 00/100 Dollars ($3,000,000.00) or so much as may be outstanding, together with interest on the unpaid outstanding principal balance of each advance. Interest shall be calculated from the date of each advance until repayment of each advance.
EXHIBIT 10(q) LEASE AGREEMENT This lease agreement, made and entered into by and between Keypac Leasing, hereinafter referred to as "Lessor" and Credit Concepts L.L.C., hereinafter referred to as "Lessee", WITNESSETH: Lessor leases to Lessee an office...Lease Agreement • November 5th, 1998 • Credit Concepts Inc
