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<PERIOD>20031029
<ITEMS>5
<ITEMS>7
<FILING-DATE>20031104
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ACE CASH EXPRESS INC/TX
<CIK>0000849116
<ASSIGNED-SIC>6099
<IRS-NUMBER>752142963
<STATE-OF-INCORPORATION>TX
<FISCAL-YEAR-END>0630
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-20774
<FILM-NUMBER>03975970
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1231 GREENWAY DR STE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
<PHONE>2145505000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1231 GREENWAY DR #800
<CITY>IRVING
<STATE>TX
<ZIP>75038
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>ACE CASH EXPRESS INC
<DATE-CHANGED>19921016
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d10152e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<HR size="1" noshade width="100%">
</FONT>
<P align="center"><FONT size="4"><B>SECURITIES AND EXCHANGE COMMISSION</B>
</FONT>

<DIV align="center"><FONT size="3"><B>Washington, D.C. 20549</B>
</FONT></DIV>

<P align="center"><FONT size="5"><B>FORM 8-K</B>
</FONT>

<P align="center"><FONT size="3"><B>CURRENT REPORT</B><BR>
Pursuant to Section&nbsp;13 or 15(d) of the Securities<BR>
Exchange Act of 1934
</FONT>
<P align="center"><FONT size="2"><B>October&nbsp;29, 2003</B><BR>
(Date of earliest event reported)
</FONT>
<P align="center"><FONT size="6"><B>ACE CASH EXPRESS, INC.</B>
</FONT>

<DIV align="center"><FONT size="2">(Exact name of registrant as specified in its charter)</FONT></DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2"><B>Texas</B><BR>
(State or other<BR>
jurisdiction of<BR>
incorporation or<BR>
organization)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<B>0-20774</B><BR>
(Commission<BR>
File Number)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2"><B>75-2142963</B><BR>
(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2"><B>1231 Greenway Drive, Suite&nbsp;600<BR>
Irving, Texas 75038</B><BR>
(Address of principal executive offices)
</FONT>
<P align="center"><FONT size="2"><B>(972)&nbsp;550-5000</B><BR>
(Registrant&#146;s telephone number,<BR>
including area code)
</FONT>
<P align="center"><FONT size="2"><B>Not Applicable</B><BR>
(Former Name or Former Address,<BR>
if Changed Since Last Report)
</FONT>
<P align="center"><HR size="1" noshade width="100%">
<P align="center"><FONT size="2">&nbsp;
</FONT>
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<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

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</TR>
<TR><TD></TD><TD colspan="8"><A HREF="#000">Item&nbsp;5. Other Events</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">Item&nbsp;7. Financial Statements and Exhibits</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">SIGNATURE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="d10152exv10w1.htm">Amendment No. 1 to Money Order Agreement</A></TD></TR>
<TR><TD colspan="9"><A HREF="d10152exv10w2.htm">Amendment No. 2 to Money Order Agreement</A></TD></TR>
</TABLE>
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<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left"><A name="a000"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;5. Other Events</B>
</FONT>

<P align="left"><FONT size="2">On October&nbsp;29, 2003, the Registrant (&#147;ACE&#148;) entered into Amendment No.&nbsp;2 to
Money Order Agreement with Travelers Express Company, Inc. The amendment
amended the existing money order agreement dated as of April&nbsp;16, 1998 (as
previously amended) between ACE and Travelers Express. The amendment extends
the term of the money order agreement for four years; the money order agreement
as amended is scheduled to expire on December&nbsp;31, 2007. During the term of the
amended agreement, ACE will continue to exclusively offer and sell Travelers
Express money orders at ACE&#146;s owned stores.
</FONT>
<P align="left"><FONT size="2">Under the amendment, Travelers Express agreed to pay ACE:
</FONT>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">A signing bonus of approximately $2&nbsp;million, of which $200,000 was
paid upon execution of the amendment and approximately $1.8&nbsp;million is
payable as of January&nbsp;1, 2004. If the amended money order agreement
is terminated during the four-year extension under certain
circumstances, ACE will be obligated to repay Travelers Express a
portion (based on a weekly proration) of the signing bonus (without
interest). The signing bonus will be amortized on a straight-line
basis over the four-year extension.
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">An annual incentive bonus of $350,000, payable as of January 1 of each
of the four calendar years of the extension. If the amended money
order agreement is terminated during the extension under certain
circumstances, ACE will be obligated to repay Travelers Express a
portion (based on a weekly proration) of the annual incentive bonus
paid for the calendar year during which the termination occurs
(without interest), and no annual incentive bonus will be payable for
any subsequent year of the extension. Each annual incentive bonus
will be amortized on a straight-line basis over the 12-month period
for and during which that bonus is paid.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">The amendment also revises, effective January&nbsp;1, 2004, the parties&#146; existing
fee arrangement based on money orders sold. During the four-year extension,
the fee payable for each money order sold, as well as whether the fee is
payable by Travelers Express to ACE or by ACE to Travelers Express, will vary
according to the monthly volume of money orders sold during the preceding
calendar quarter. The fee arrangement therefore provides an incentive to ACE
to sell a greater volume of money orders and a detriment to ACE if the volume
of money orders sold decreases.
</FONT>
<P align="left"><FONT size="2">The amendment grants ACE a limited right or option, during the tax season
(i.e., January 1 through March&nbsp;31) of each year, to defer remittances of money
order sale proceeds to Travelers Express by one business day. Under the
amended money order agreement, the ACE will have no other right or option to
defer any remittances of money order sales proceeds during the extension.
</FONT>
<P align="left"><FONT size="2">None of the other material terms of the existing money order agreement are
revised or affected by the amendment.
</FONT>
<P align="left"><FONT size="2">Forward-looking Statements
</FONT>
<P align="left"><FONT size="2">This Report contains, and from time to time ACE or certain of its
representatives may make, &#147;forward-looking statements&#148; within the meaning of
Section&nbsp;27A of the Securities Act of 1933, as amended, and Section&nbsp;21E of the
Securities Exchange Act of 1934, as amended. These statements are generally
identified by the use of words such as &#147;anticipate,&#148; &#147;expect,&#148; &#147;estimate,&#148;
&#147;believe,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;should,&#148; &#147;would,&#148; and terms with similar
meanings.
</FONT>
<P align="center"><FONT size="2">2
</FONT>
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<P align="left"><FONT size="2">Although ACE believes that the current views and expectations reflected in
these forward-looking statements are reasonable, those views and expectations,
and the related statements, are inherently subject to risks, uncertainties, and other factors, many of which are not under ACE&#146;s
control and may not even be predictable. Those risks, uncertainties, and other
factors could cause the actual results to differ materially from these in the
forward-looking statements. Those risks, uncertainties, and factors include,
but are not limited to, many of the matters described in this Report and in
ACE&#146;s Annual Report on Form 10-K for its fiscal year ended June&nbsp;30, 2003, and
its other public filings:
</FONT>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">ACE&#146;s relationships with Travelers Express Company, Inc. and its
affiliates, with ACE&#146;s bank lenders, with American Capital Strategies,
Ltd., and with H&#038;R Block;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">ACE&#146;s relationship with third-party providers of products and
services offered by ACE or property used in ACE&#146;s operations;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">federal and state governmental regulation of check-cashing,
short-term consumer lending, and related financial services businesses;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">the results of litigation regarding short-term consumer lending
activities, including the possibility that the <I>Purdie </I>settlement will
not receive final court approval or otherwise be implemented;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">theft and employee errors;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">the availability of adequate financing, suitable locations,
acquisition opportunities, and experienced management employees to
implement ACE&#146;s growth strategy;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">increases in interest rates, which would increase ACE&#146;s borrowing
costs;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">the fragmentation of the check-cashing industry and competition
from various other sources, such as banks, savings and loans,
short-term consumer lenders, and other similar financial services
entities, as well as retail businesses that offer products and services
offered by ACE;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">the terms and performance of third-party products and services offered at ACE locations; and
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">&#149;
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">customer demand and response to products and services offered at ACE locations.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">ACE expressly disclaims any obligation to update or revise any of these
forward-looking statements, whether because of future events, new information,
a change in ACE&#146;s views or expectations, or otherwise. ACE makes no prediction
or statement about the performance of ACE&#146;s Common Stock.
</FONT>
<!-- link2 "Item&nbsp;7. Financial Statements and Exhibits" -->
<DIV align="left"><A NAME="001"></A></DIV>
<DIV align="left"><A name="a001"></A></DIV>
<P align="left"><FONT size="2"><B>Item&nbsp;7. Financial Statements and Exhibits</B>
</FONT>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="7%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="4%" nowrap align="left"><FONT size="2">(a)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Not applicable.
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="7%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="4%" nowrap align="left"><FONT size="2">(b)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Not applicable.
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="7%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="4%" nowrap align="left"><FONT size="2">(c)
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Exhibits. The following exhibits are filed
herewith in accordance with the provisions of Item&nbsp;601 of
Regulation&nbsp;S-K:
</FONT></TD>
</TR>
</TABLE>
<DIV align="left">
<TABLE cellspacing="0" border="0" cellpadding="0" width="90%">

<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="77%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
10.1<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Amendment Number One to Money Order
Agreement dated as of February&nbsp;18, 1999, between the
Registrant and Travelers Express Company, Inc.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD nowrap align="right" valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
10.2<br>
</FONT></TD>
    <TD nowrap valign="top"><FONT size="2"><br>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Amendment No.&nbsp;2 to Money Order
Agreement dated as of October&nbsp;29, 2003, between the
Registrant and Travelers Express Company, Inc.
(Application for confidential treatment for a portion of
this document has been submitted to the Securities and
Exchange Commission pursuant to Rule&nbsp;24b-2 under the
Securities Exchange Act of 1934.)</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2"><B>&#091;Signature Page Follows&#093;</B>
</FONT>

<P align="center"><FONT size="2">3
</FONT>
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<DIV align="left"><A NAME="002"></A></DIV>
<DIV align="left"><A name="a002"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURE</B>
</FONT>

<P align="left"><FONT size="2">Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this Report to be signed on its behalf by the
undersigned thereunto duly authorized.
</FONT>
<DIV align="left">
<TABLE cellspacing="0" border="0" cellpadding="0" width="90%">

<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="8%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="left" valign="top"><FONT size="2">ACE CASH EXPRESS, INC.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="2" align="left" valign="top"><FONT size="2">(Registrant)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Dated: November 4, 2003</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">By:</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ WALTER E. EVANS</FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">Walter E. Evans,<br>
Senior Vice President and<br>
General Counsel</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">4
</FONT>
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<!-- link1 "EXHIBIT INDEX" -->
<DIV align="left"><A NAME="003"></A></DIV>
<DIV align="left"><A name="a003"></A></DIV>
<P align="center"><FONT size="2"><B>EXHIBIT INDEX</B>
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="90%">

<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="CENTER"><FONT size="1"><B>Exhibit No.</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">10.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Amendment Number One to Money Order Agreement dated as of
February&nbsp;18, 1999, between the Registrant and Travelers Express
Company, Inc.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">10.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Amendment No.&nbsp;2 to Money Order Agreement dated as of October&nbsp;29,
2003, between the Registrant and Travelers Express Company, Inc.
(Application for confidential treatment for a portion of this document
has been submitted to the Securities and Exchange Commission pursuant
to Rule&nbsp;24b-2 under the Securities Exchange Act of 1934.)</FONT></TD>
</TR>
</TABLE>
</DIV>



<P align="center"><FONT size="2">5
</FONT>


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</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>d10152exv10w1.htm
<DESCRIPTION>AMENDMENT NO. 1 TO MONEY ORDER AGREEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>exv10w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="right"><FONT size="2"><B>Exhibit&nbsp;10.1</B>
</FONT>

<P align="center"><FONT size="2"><B>AMENDMENT NUMBER ONE TO<BR>
MONEY ORDER AGREEMENT</B>
</FONT>

<P align="left"><FONT size="2">This Amendment amends the Money Order Agreement dated April&nbsp;16, 1998 between
Ace Cash Express, Inc. (&#147;Ace&#148;) and Travelers Express Company, Inc. (&#147;Company&#148;).
</FONT>
<P align="left"><FONT size="2">Section&nbsp;4.A.a is amended so as to provide in its entirety as follows:
</FONT>
<P align="left"><FONT size="2">&#147;Ace is not authorized to use Money Orders to pay its own obligations or to
obtain any benefit for itself or for any affiliate, except as expressly
authorized in this Section&nbsp;4A. The Money Orders that Ace is authorized to so
use in this Section&nbsp;4A are &#147;Self-Use Money Orders.&#148; If Ace wishes to make any
other use of Money Orders not expressly permitted by this Agreement, Ace shall
request such use in writing and such use shall be subject to Company&#146;s written
consent, which shall not be unreasonably withheld or delayed. Notwithstanding
any other provision of this Agreement, Ace may issue Self-Use Money Orders in
amounts up to and including one thousand dollars ($1,000.00) per item.&#148;
</FONT>
<P align="left"><FONT size="2">Except as specifically amended herein, the Agreement remains in effect.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="49%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">Ace Cash Express, Inc.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Travelers Express Company, Inc.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">By: /s/ James A. Caulk
<HR size="1" align="right" noshade width="95%"></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By: /s/ Eugene J. Schott
<HR size="1" align="right" noshade width="95%"></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Name: James A. Caulk
<HR size="1" align="right" noshade width="92%"></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Name: Eugene J. Schott
<HR size="1" align="right" noshade width="92%"></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Title: V.P. Operations Support
<HR size="1" align="right" noshade width="92%"></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Title: Vice President<BR>
<HR size="1" align="right" noshade width="92%"></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Date: 2/3/99<BR>
<HR size="1" align="right" noshade width="92%"></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Date: 2/18/99<BR>
<HR size="1" align="right" noshade width="92%"></FONT></TD>
</TR>
</TABLE>
</DIV>



<P align="center"><FONT size="2">
</FONT>


</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>4
<FILENAME>d10152exv10w2.htm
<DESCRIPTION>AMENDMENT NO. 2 TO MONEY ORDER AGREEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>exv10w2</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="right"><FONT size="2"><B>Exhibit 10.2</B>
</FONT>

<P align="center"><FONT size="2"><B>AMENDMENT No.&nbsp;2<BR>
TO<BR>
MONEY ORDER AGREEMENT</B>
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>DATE:</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
October&nbsp;29, 2003</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>PARTIES:</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Travelers Express Company, Inc.<br>
(&#147;Company&#148;)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
and</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Ace Cash Express, Inc.<br>
(&#147;Ace&#148;)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>RECITALS:</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">A.
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">Company and Ace are parties to that certain Money Order
Agreement dated April&nbsp;16, 1998, including all Exhibits thereto and
amendments (the &#147;Agreement&#148;).
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">&nbsp;
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
       <TD width="3%" nowrap align="left"><FONT size="2">B.
</FONT></TD>
       <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
       <TD><FONT size="2">The Parties now wish to amend the Agreement.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2"><B>AGREEMENT:</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In consideration of the following terms and conditions, the receipt of
which is acknowledged, the Parties agree to amend the Agreement as follows:
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>I.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;1 &#151; Purpose and Effectiveness.</B> Effective as of the date of this
Amendment, Section&nbsp;1.b. shall be amended by deleting the second, third,
fourth and fifth sentences.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>II.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;2 &#151; Appointment and Relationship.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;2.a.</B> Effective as of January&nbsp;1, 2004, Section&nbsp;2.a. shall be
amended by amending and restating the last sentence to read in its
entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
In this Agreement, &#147;location&#148; refers to any retail location operated by
Ace and any of Ace&#146;s self-service machines that sell and dispense money
orders. A &#147;location&#148; does not include, and this Agreement does not
relate to, any location or operation of any franchisee of Ace or any
franchisee of any of Ace&#146;s subsidiaries.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;2.b.</B> Effective as of the date of this Amendment, Section&nbsp;2.b.
shall be amended by adding an additional sentence at the end thereof,
which shall read in its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
In this Agreement, &#147;Ace Financing-related Documents&#148; shall mean the Bank
Agreement, the ACFS Note Agreement, and the Money Transfer Agreement, all
as defined in the Intercreditor Agreement dated as of March&nbsp;31, 2003,
among Ace, Company, and other entities named therein (the &#147;Intercreditor
Agreement&#148;), and the Intercreditor Agreement.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>III.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;4 &#151; Sales.</B> Effective as of the date of this Amendment, the third
sentence of Section&nbsp;4 shall be amended and restated to read in its
entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Ace will not issue a Money Order for more than $1,000 (or such greater
amount as may be allowed and established in writing by Company).</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">&nbsp;
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>IV.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;10 &#151; Remittances and Reports.</B> Effective as of January&nbsp;1, 2004,
Section&nbsp;10.a. shall be amended by replacing the first fax number in the
fourth sentence with &#147;(972)&nbsp;582-1464&#148; and by adding an additional
sentence at the end thereof, which shall read in its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Notwithstanding anything to the contrary contained in this Section&nbsp;10.a.,
Ace shall be entitled to, on up to five nonconsecutive occasions per
calendar year, remit the Sales Proceeds (excluding Self-use Fees) due on
any January 1 through March&nbsp;31, by 5:00 p.m. on the first day that is not
a bank holiday after such due date, and that day shall be the new &#147;due
date&#148; for remittance of those Sale Proceeds. Accordingly, Ace shall not
be in default under the Agreement, and no interest will accrue in
accordance with Section&nbsp;12.a, because of that delay.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>V.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;13 &#151; Locations and Delivery.</B> Effective as of the date of this
Amendment, Section&nbsp;13 shall be amended by amending and restating the
second sentence to read in its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Ace agrees to keep Company informed of the locations where Ace sells
Money Orders.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>VI.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;18 &#151; Term and Termination.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;18.a.</B> Effective as of the date of this Amendment, Section
18.a. shall be amended and restated to read in its entirety as
follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
The initial term of this Agreement expires or ends at 11:59:59&nbsp;p.m.,
central time, on December&nbsp;31, 2003. At 12:00:00&nbsp;a.m., central time, on
January&nbsp;1, 2004, the second term shall commence (without lapse or
interruption). The second term shall expire or end at 11:59:59&nbsp;p.m.,
central time, on December&nbsp;31, 2007. Thereafter, this Agreement shall
continue in effect until terminated by either Party as provided in the
next sentence. Either Party may terminate this Agreement as of the end
of the second term or at any time as of the end of a calendar month
thereafter by giving the other Party written notice at least six (6)
months prior to the termination date. The foregoing shall be subject to
the right of either Party to terminate this Agreement in accordance with
Section&nbsp;18.b.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;18.b.</B> Effective as of January&nbsp;1, 2004, Section&nbsp;18.b. shall be
amended by amending and restating subsections (vii)&nbsp;and (viii)&nbsp;to read in
their entirety as follows:</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="15%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="76%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">(vii)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
&#091;Intentionally omitted&#093;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">(viii)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Either Party may terminate this Agreement immediately upon notice
if the other Party breaches any of its obligations under the Ace
Financing-related Documents, after giving effect to any applicable
notice and cure period provided in the respective Ace
Financing-related Documents; or</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>VII.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section 22 &#151; Notices.</B> Effective as of the
date of this Amendment, Section&nbsp;22 shall be
amended by replacing the address for any
notices, requests, and other communications
to Ace to the following:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Ace Cash Express, Inc.<BR>
Attention: Chief Financial Officer<BR>
1231 Greenway Drive, Suite&nbsp;600<BR>
Irving, Texas 75038<BR>
Facsimile: (972)&nbsp;582-1464</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Copy to: General Counsel<BR>
Facsimile: (972)&nbsp;582-1426</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Copy to: Richard A. Tulli<BR>
Gardere Wynne Sewell LLP<BR>
1601 Elm Street, Suite&nbsp;3000<BR>
Dallas, Texas 75201-4761<BR>
Facsimile: (214)&nbsp;999-3676</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">2
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>VIII.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Section&nbsp;25 &#151; Miscellaneous.</B> Effective as of the date of this Amendment,
Section&nbsp;25 shall be amended by replacing the first sentence with two
sentences that read in their entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
This Agreement, together with its Exhibits, is the entire agreement
between the Parties relating to the subject matter of this Agreement.
This Agreement does not supersede or amend or modify any of the Ace
Financing-related Documents.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>IX.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;1 &#151; Fees and Payment.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Paragraph&nbsp;1.a. &#151; Per Item&nbsp;Fee. </B>Effective as of January&nbsp;1, 2004, paragraph
1.a. of Exhibit&nbsp;A shall be redesignated &#147;Per Item&nbsp;Fee or Rebate&#148; and
amended and restated to read in its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
As specified below in this paragraph 1.a., Ace shall pay Company a per
item fee (a &#147;Fee&#148;), or Company shall pay Ace a per item rebate (a
&#147;Rebate&#148;), for each Money Order sold other than any Self-use Money
Orders. The Fee or Rebate to be applied shall be established for an
entire calendar quarter, based upon the average volume per month of Money
Orders (other than Self-use Money Orders) sold at all locations for the
immediately preceding calendar quarter, according to the schedule set
forth below:</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="60%">

<TR valign="bottom">
    <TD width="20%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Previous quarter's average</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Fee (Rebate) per item in current quarter</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>volume per month</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
*</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
For example, if the first calendar quarter&#146;s average volume per month is
* , the second calendar quarter&#146;s Fee will be * per item, regardless
of the volume for the second calendar quarter. If the second calendar
quarter&#146;s average volume per month is * , the third quarter&#146;s Rebate
will be * . There will be no retroactive adjustment for any quarter.
The Fee or Rebate for the first quarter of the second term will be
determined based on the average volume per month during the fourth
calendar quarter of 2003 (October through December).</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
If (i)&nbsp;Company exercises its rights under Section&nbsp;4 of the Agreement to
limit the number or dollar amount of Money Orders that Ace may sell, or
to suspend Ace&#146;s right to sell Money Orders (a &#147;Limitation Request&#148;),
(ii)&nbsp;the Limitation Request extends for a period longer than ten (10)
days during any calendar quarter, and (iii)&nbsp;the effect of the Limitation
Request is to reduce the number of Money Orders that Ace sells during a
calendar quarter in which the Limitation Request is effective (in whole
or in part), such that the Fee payable by Ace would be increased, or the
Rebate payable by Company would be decreased, then the Fee or Rebate
payable for the next calendar quarter shall be determined in accordance
with the schedule set forth above in this paragraph 1.a, except that Ace
shall in no event be required to pay a Fee of greater than * per item.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Within ten (10)&nbsp;days after the end of each calendar month, Company will
submit an activity report to Ace, delineating, inter alia, whether a Fee
or Rebate is due. If Fees are payable, Company shall submit to Ace an
invoice for the amount of Fees, due within ten (10)&nbsp;days of the receipt
of the invoice and if Rebates are payable Company shall make payment
concurrently with the activity report.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>X.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;4 &#151; Pricing and
Remittance Matrix.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of January&nbsp;1, 2004, paragraph 4 of Exhibit&nbsp;A shall be
deleted in its entirety.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P>
<HR size="1" noshade width="18%" align="left">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
      <TD width="1%" nowrap align="left"><FONT size="2">*
</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="96%"><FONT size="2">Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.
</FONT></TD>
</TR>
</TABLE>

<P align="center"><FONT size="2">3
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XI.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;5 &#151; Repricing.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of the date of this Amendment, paragraph 5 of Exhibit&nbsp;A
shall be deleted in its entirety.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XII.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;6 &#151; Signing Bonuses.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of the date of this Amendment, paragraph 6 of Exhibit&nbsp;A
shall be redesignated &#147;Signing Bonus&#148; and amended and restated to read in
its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Company will pay Ace a Money Order Signing Bonus (the &#147;Signing Bonus&#148;) of
$1,997,333. $200,000 of the Signing Bonus will be paid immediately upon
Ace&#146;s signature of Amendment No.&nbsp;2 to this Agreement, and the remaining
$1,797,333 of the Signing Bonus will be paid on the first banking day
after January&nbsp;1, 2004. Each payment will be made by fed wire to an
account designated by Ace. If this Agreement is terminated before its
scheduled expiration date (December&nbsp;31, 2007) wrongfully by Ace, or by
Company as permitted by Section&nbsp;18.b. for default by Ace, or by Ace as
permitted by Sections&nbsp;18.b(vi) and 18A, then Ace will refund to Company
the pro rata portion of the Signing Bonus received under this Section&nbsp;6.
The &#147;pro-rata portion&#148; will be the number of full weeks remaining after
the termination date until the scheduled expiration date of this
Agreement multiplied by one-two hundred eighth (1/208) of the Signing
Bonus.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<I>Example: The termination date of this Agreement is in the middle of week
10 of the second year of the second term of this Agreement. The
&#147;pro-rata portion&#148; equals $1,997,333 x 146 (the number of full weeks
remaining in the term of the Agreement) x 1/208 = $1,401,974.13</I></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XIII.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;7 &#151; Annual Incentive Bonuses.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of January&nbsp;1, 2004, paragraph 7 of Exhibit&nbsp;A shall be
amended and restated to read in its entirety as follows:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Company will pay Ace an Annual Incentive Bonus (the &#147;Incentive Bonus&#148;) of
$350,000, by fed wire to an account designated by Ace, on the first
banking day after January&nbsp;1, 2004, and on the first banking day after
each subsequent January 1 during the term of this Agreement. If this
Agreement is terminated before its scheduled expiration date (December
31, 2007) wrongfully by Ace, or by Company as permitted by Section&nbsp;18.b.
for default by Ace, or by Ace as permitted by Sections&nbsp;18.b(vi) and 18A,
then Ace will refund to Company the pro rata portion of the Incentive
Bonus received under this Section&nbsp;7. The &#147;pro-rata portion&#148; will be the
number of full weeks in the calendar year remaining after the termination
date multiplied by one-fifty second (1/52) of the Incentive Bonus.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<I>Example: The termination of this Agreement is in the middle of week 10
of the first year of the second term of this Agreement. The &#147;pro-rata
portion&#148; equals $350,000 x 42 (the number of full weeks remaining in the
calendar year) x 1/52 = $282,692.31.</I></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XIV.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;A &#151; Paragraph&nbsp;8 &#151; Non-effectiveness.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of the date of this Amendment, paragraph 8 of Exhibit&nbsp;A shall be deleted in its entirety.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XV.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Exhibit&nbsp;B &#151; Paragraph&nbsp;3 &#151; Information Excluded.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Effective as of the date of this Amendment, paragraph 3 of Exhibit&nbsp;B
shall be amended by adding the following as a new subparagraph d:</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
d. Any information (including a portion of an otherwise confidential
document) with respect to the &#147;tax treatment&#148; and &#147;tax structure&#148; (in
each case, within the meaning of Section&nbsp;1.6011-4 of U.S. Department of
Treasury Regulations) of the transactions described in this Agreement and
all materials of any kind (including opinions or other tax analyses) that
are or have been provided to either Party relating to that tax treatment
and tax structure.</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">4
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XVI.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Interpretation of Amendment.</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
In the event of any conflict between the Agreement and this Amendment,
the terms of this Amendment shall control. Except as expressly amended,
supplemented or modified by this Amendment, the Agreement as heretofore
in effect shall continue in full force and effect. All capitalized terms
contained in this Amendment, unless specifically defined herein, shall
have the respective meanings ascribed to them in the Agreement. The
provisions of Section&nbsp;24 of the Agreement shall also apply to this
Amendment.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2"><B>XVII.</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
<B>Binding Effect.</B> This Amendment shall bind and inure to the benefit of
the Parties and their respective successors and assigns, permitted by
Paragraph&nbsp;23 of the Agreement.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>IN WITNESS WHEREOF</B>, the Parties have executed this Amendment to be
effective as of the &#147;Date&#148; first set forth above.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">

<TR valign="bottom">
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="17%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="17%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left" valign="top"><FONT size="2">
<B>ACE CASH EXPRESS, INC</B>
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" align="left" valign="top"><FONT size="2"><B>TRAVELERS EXPRESS COMPANY, INC</B></FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">By</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
/s/ Michael J. Briskey
</FONT></TD>
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Michael Briskey
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    <TD align="left" valign="top"><FONT size="2">Anthony P. Ryan</FONT></TD>
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    <TD valign="top"><FONT size="2">Title:</FONT></TD>
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VP Finance
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    <TD valign="top"><FONT size="2">Date:</FONT></TD>
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10/27/03
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