Smart & Final Inc/De Watch

from 8-K 17 pages First Amendment to Amended and Restated Credit Agreement

from 10-K 110 pages $150,000,000 Amended and Restated Credit Agreement Dated as of November 18, 2004 Among Smart & Final Inc., as Borrower the Financial Institutions Named Herein, as Initial Lenders Bnp Paribas, as Administrative Agent, Union Bank of California, N.A., as Syndication Agent Natexis Banques Populaires and Cooperative Centrale Raiffeisen- Boerenleenbank B.A., “Rabobank Nederland”, New York Branch, as Documentation Agents and Bnp Paribas Securities Corporation, as Lead Arranger and Book Manager

from 10-Q ~10 pages Seventh Amendment to Credit Agreement

from 10-Q ~10 pages Sixth Amendment and Waiver to Credit Agreement

from 10-Q ~10 pages Fourth Amendment and Waiver to Credit Agreement

from 10-Q 17 pages Third Amendment to Credit Agreement

from 10-K 26 pages Second Amendment to Credit Agreement

from 10-K405 >50 pages Credit Agreement

from 10-K405 ~20 pages Credit Agreement

from 10-K 1 page Waiver to Loan Agreement

from 10-K ~5 pages 1st Amend. to Revolving Credit Agreement

from 10-Q >50 pages Credit Agreement Dated as of November 13, 1998

from 10-Q 1 page <page> Promissory Note $55,387,505 Dated: November 13, 1998 for Value Received, the Undersigned, Smart & Final Inc., a Delaware Corporation ("Borrower"), Hereby Promises to Pay to the Order of Casino USA, Inc., a California Corporation ("Lender") the Principal Sum of Fifty-Five Million Three-Hundred Eighty-Seven Thousand Five-Hundred Five Dollars ($55,387,505). the Borrower Promises to Pay Interest on the Unpaid Principal Amount of the Advances (As Defined Below) From the Date Hereof Until Such Principal Amount Is Paid in Full, at Such Interest Rates, and Payable at Such Times, as Are Specified in the Loan Agreement (As Defined Below). Both Principal and Interest Are Payable in Lawful Money of the United States of America in Same Day Funds to the Lender in Accordance With the Provisions of Sections 2 and 3 of the Loan Agreement. This Promissory Note Is the New Note Referred to In, and Is Entitled to the Benefits Of, the Loan Agreement Dated as of November 13, 1998 (As the Same May Be Amended, Supplemented or Otherwise Modified From Time to Time, "Loan Agreement") Among the Borrower and the Lender. the Loan Agreement, Among Other Things, Provides for the Consolidation of Certain Obligations Owed by the Borrower to the Lender More Particularly Described in the Loan Agreement (The "Existing Notes", The"advances", and the "Structuring Fee") in the U.S. Dollar Amount First Above Mentioned, the Indebtedness of the Borrower Resulting From Such Advances Now Being Evidenced by This Promissory Note, and Contains Provisions for Acceleration of the Maturity Hereof Upon the Happening of Certain Stated Events and Also for Prepayments on Account of Principal Hereof Prior to the Maturity Hereof Upon the Terms and Conditions Therein Specified. This Promissory Note Shall Be Governed By, and Construed in Accordance With, the Laws of the State of California. Smart & Final Inc. By: /S/ Martin A. Lynch Martin A. Lynch Executive Vice President & Chief Financial Officer

from 10-Q ~10 pages Material contract

from 10-Q ~5 pages Second Waiver (Bridge Loan Credit Agreement)

from 10-Q ~5 pages Second Waiver (Credit Agreement)

from 10-Q ~5 pages First Waiver (Bridge Loan Credit Agreement)

from 10-Q ~5 pages First Waiver (Credit Agreement)

from 10-Q ~20 pages Loan Agreement Dtd 5/20/98

from 10-Q ~20 pages Credit Agreement Dtd 4/30/98