FINOVA Capital Corporation
FIRST AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT
Borrower: AutoInfo Finance of Virginia, Inc.
Address: 536 West 21st Street
Norfolk, Virginia 23517
Date: December 19, 1995
THIS FIRST AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT is entered into on the
above date between FINOVA CAPITAL CORPORATION, a Delaware corporation ("Lender"), whose
corporate address is Dial Tower, Dial Corporate Center, Phoenix, Arizona 85077 and whose Rediscount
Finance Office address is 13355 Noel Road, Suite 800, Dallas, Texas 75240 and the borrower named above
(the "Borrower"), whose chief executive office is located at the above address ("Borrower's Address").
Borrower has purchased certain assets and certain assumed the obligations of Falk Finance Company, Inc.'s,
including the indebtedness to Lender pursuant to that certain Loan and Security Agreement, dated September 30,
1994, ("Prior Agreement"). This First Amemded and Restated Loan and Security Agreement is an amendment
and restatement of the Prior Agreement.
1.1. ACCOUNT DEBTOR. The term "Account Debtor" shall mean any person or persons that are an obligor in
any contractual arrangement with Borrower or any co-signor in respect of any Receivable.
1.2. AGREEMENT. The term "Agreement" shall mean this Loan and Security Agreement and any amendment,
modifications or extension hereof.
1.3. BUSINESS DAY. The term "Business Day" shall mean a day, other than a Saturday or Sunday, on which
commercial banks are open for business to the public in Phoenix, Arizona and New York, New York.
1.4. CHARGE OFFS. The term "Charge Offs" shall mean the amount due (including the principal balance plus all
earned fees and charges) pursuant to a Receivable on the date that Borrower charges off such Receivable as
uncollectible, pursuant to Borrower's policies and/or procedures.
1.5. CODE. The term "Code" shall mean the Internal Revenue Code of 1986, as amended from time to time.