EXHIBIT 10.B.1
GREYHOUND FINANCIAL CORPORATION
FIRST AMENDMENT DATED AS OF SEPTEMBER 30, 1994
TO CREDIT AGREEMENT (SHORT TERM FACILITY)
This FIRST AMENDMENT TO CREDIT AGREEMENT (SHORT TERM FACILITY) (this "Amendment") is
dated as of September 30, 1994 and entered into by and among GREYHOUND FINANCIAL
CORPORATION, a Delaware corporation (the "Company"), the undersigned lenders (collectively the
"Lenders"), the undersigned Agents, BANK OF AMERICA NATIONAL TRUST AND SAVINGS
ASSOCIATION, BANK OF MONTREAL, CHEMICAL BANK, CITIBANK, N.A., and NATIONAL
WESTMINSTER BANK USA, individually and as agents (the "Agents") for the Lenders hereunder, and
CITIBANK, N.A., a national banking association, as administrative agent (the "Administrative Agent") for the
Lenders hereunder, and is made with reference to that certain Credit Agreement (Short Term Facility) dated as
of May 16, 1994, by and among the Company, the Lenders, the Agents and the Administrative Agent (the
"Credit Agreement"). Capitalized terms used herein without definition shall have the same meanings herein as set
forth in the Credit Agreement.
RECITALS
WHEREAS, the Company has requested that (i) the definition of "Margin" in Section 1.01 of the Credit
Agreement be amended, (ii) the fees referred to in Section 2.09 of the Credit Agreement be amended and (iii) the
Commitments of certain Lenders be increased;
NOW, THEREFORE, in consideration of the premises and the agreements, provisions and covenants herein
contained, the parties hereto agree as follows:
SECTION 1. AMENDMENTS TO THE CREDIT AGREEMENT
A. NEW DEFINITIONS. Section 1.01 of the Credit Agreement is hereby amended by deleting therefrom the
definition of the term "Margin" and substituting the following therefor:
"'Margin' shall mean with respect to any day in any Interest Period in relation to any Advance, the percentages set
forth in Table A below, with respect to determinations of the Base Rate, or Table B below, with respect to
determinations of the Eurodollar Rate:
-