FRANKLIN COVEY CO
EXHIBIT 10.4 4TH AMENDMENT TO FACILITY AGREEMENT
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<DESCRIPTION>EXHIBIT 10.4 4TH AMENDMENT TO FACILITY AGREEMENT
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<TITLE>Exhibit 10.5 Fourth Amendment to Facility and Guaranty Agreement</TITLE>
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<H3><FONT FACE="Times New Roman, Times, Serif"><u>Exhibit 10.5</u></font></h3>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>AMENDMENT
NO. 4 TO FACILITY AGREEMENT</u></FONT></H1>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Amendment (the &#147;<U>Amendment</U>&#148;) is entered into as of May 3,
2001 by and among FRANKLIN COVEY CO., a Utah corporation (the
&#147;<U>Company</U>&#148;), BANK ONE, NA, a national banking association with
its principal office in Chicago, Illinois, individually (&#147;<U>Bank
One</U>&#148;) and as agent (the &#147;<U>Agent</U>&#148;). </FONT></P>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>RECITALS</u></FONT></H1>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company, the Agent and Bank One are party to that certain Facility and
Guaranty Agreement dated as of March 27, 2000 (as previously amended the &#147;<U>Facility Agreement</U>&#148;).
 Unless otherwise specified herein, capitalized terms used in this Amendment shall have the
meanings ascribed to them by the Facility Agreement. </FONT></p>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The  Company,  the Agent and Bank One (being the sole  &#147;<u>Lender</u>&#148;
  under the
Facility  Agreement)  wish to amend the  Facility Agreement on the terms and conditions set forth below.</FONT></p>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company and Bank One are entering into an agreement (the &#147;Interest Transfer Agreement&#148;)
in connection with the Amendment whereby, in exchange for certain payments to Bank One by the Company, Bank One
will transfer to the Company, upon (and subject to) receipt, certain interest payments and, if applicable,
Early Payment Fees received from the Borrowers.</font></p>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Now, therefore, in consideration of the mutual execution hereof and other good and
valuable consideration, the parties hereto agree as follows: </FONT></p>

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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>1.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
 <u>Amendment to Facility  Agreement</u>. &nbsp;&nbsp; Upon the Effective Date (as defined below),
the Facility Agreement shall be amended as follows:
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
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(a) </FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Section 1.01</u>.&nbsp;&nbsp;
Section 1.01 is amended by adding the following definitions in appropriate alphabetical order:
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=10%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
&#147;<u>Interest Transfer Agreement</u>&#148; means the Agreement between the Company and Bank One
dated May 3, 2001 wherby, in exchange for certain payments to Bank One by the Company, B
ank One will transfer to the Company, upon (and subject to) receipt, certain interest payments and
Early Payment Fees received from the Borrowers, as such agreement may be from time to time amended.</font></TD>
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2> (b) </FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
<u>Section 6.01</u>.&nbsp;&nbsp; Section 6.01 is  amended by adding the following new subsection
to the end of such Section:
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<TD WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#147;(m)&nbsp;&nbsp;
The Company shall fail to pay amounts due under or shall default int he performance of any term,
provision, or condition contained in the Interest Transfer Agreement or The Interest Transfer Agreement
shall fail to remain in full force and effect or to give Bank One the rights,
powers and privileges purported to be created thereby.&#148;
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>2.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
 <u>Reaffirmation of Guaranty</u>.&nbsp;&nbsp; The Company hereby reaffirms its Obligations under the
Facility Agreement, including its absolute, irrevocable and unconditional guaranty of prompt, full and
complete payment when due, whether at stated maturity, upon acceleration or otherwise,
and at all times thereafter, of the Guaranteed Debt which shall in any event include any and all
principal, interest or any other amount which may be payable by any Borrower pursuant to the terms
of his or her Note, as amended, without respect to the enforceability of such terms against any Borrower.
The Company further agrees that if for any reason any acceleration of any Loan by the Lenders in accordance
with the terms of the applicable Note is unenforceable against any Borrower, for purposes hereof the related Guaranteed Debt
shall never the less be deemed due and payable by the Company and shall be forthwith paid by the Company and that, upon
any acceleration of any Loan in accordance with the terms of the applicable Note (without respect to
its enforceability against the applicable Borrower), the Early Payment Fee payable to Bank One with respect
thereto shall, for purposes of this Guaranty be deemed Guaranteed Debt which is then immediately due and payable
by the Company under the Guaranty, calculated as if the entire principal amount of such Loan had been paid as of the date of such
acceleration.  Moreover, the Company hereby reaffirms and agrees that (a) under no circumstance shall the Agent or the Lenders
be obligated to foreclose upon the Pledged Shares of any Borrower or any other collateral from time to time securing the Guaranteed
Debt prior to demanding payment under and enforcing the Guaranty and (b) the Agent and the Required Lenders may at any time
in their sole discretion release any of the Pledged Shares of any Borrower, and no action or inaction of the Agent or the Lenders
with respect to foreclosure upon, or release of, any Pledged Shares shall negate, release, or otherwise affect
the Guaranty.

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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>3.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Representations and Warranties of the Company</u>.&nbsp;&nbsp;
  The Company represents and warrants that:
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The execution,
 delivery and performance by the Company of this Amendment have been duly authorized
 by all necessary  corporate  action and that this Amendment is a legal,  valid and binding  obligation of the Company
 enforceable  against the Company in accordance with its terms,  except as the  enforcement  thereof may be subject to
 the effect of any applicable bankruptcy, insolvency,  reorganization,  moratorium or similar law affecting creditors'
 rights generally;
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Each of the representations
 and warranties  contained in the Facility Agreement is true and correct
 in all material respects on and as of the date hereof as if made on the date hereof; and
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(c)</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
After  giving  effect to this  Amendment,  no Program  Event of Default or  Unmatured  Default  has
 occurred and is continuing.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>
Effective  Date</u>.  This  Amendment  shall  become  effective  upon (i) the execution and delivery
 hereof by the Company, the Agent and  the Required Lenders and (ii) the execution and delivery by the
 Company and Bank One of the Interest Transfer Agreement; provided that the Company has delivered to Bank One and the
Agent a certificate, executed by the Secretary or Assistant Secretary of the Company, which shall
attach and certify copies of the Company&#146;s Board of Directors&#146; resolutions authorizing the execution,
deliver and performance of the Interest Transfer Agreement and the Facility Agreement as amended hereby.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>
Reference to and Effect Upon the Facility Agreement</u>.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a)</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Except as  specifically  amended above,  the Facility  Agreement and the other Loan Documents shall
remain in full force and effect and are hereby ratified and confirmed.  The Company hereby  reaffirms its obligations
under the Facility Agreement and all of the other Loan Documents to which it is a party.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b)</FONT></TD>
<TD WIDTH=80%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
The execution,  delivery and  effectiveness  of this Amendment shall not operate as a waiver of any
right, power or remedy of the Agent or any Lender under the Facility  Agreement or any Loan Document,  nor constitute
a waiver of any provision of the Facility  Agreement or any Loan Document,  except as specifically  set forth herein.
Upon the effectiveness of this Amendment, each reference in the Facility Agreement to &#147;this Agreement&#148;,  &#147;hereunder&#148;,
&#147;hereof&#148;,  &#147;herein&#148; or words of similar  import shall mean and be a reference  to the  Facility
Agreement as amended hereby.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>
GOVERNING  LAW</u>.&nbsp;&nbsp; THIS AMENDMENT  SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE  WITH THE INTERNAL LAWS (AS
OPPOSED TO CONFLICTS OF LAWS PROVISIONS) OF THE STATE OF ILLINOIS BUT GIVING EFFECT TO FEDERAL LAWS APPLICABLE TO NATIONAL BANKS.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7.</FONT></TD>
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<u>Headings</u>. &nbsp;&nbsp; Section  headings in this  Amendment are included  herein for  convenience  of reference only and
shall not constitute a part of this Amendment for any other purposes.
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<TD WIDTH=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7.</FONT></TD>
<TD WIDTH=90%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
<u>Counterparts</u>. &nbsp;&nbsp; This Amendment may be executed in any number of counterparts,  each of which when so executed

shall be  deemed  an  original  but all such  counterparts  shall  constitute  one and the same  instrument.
Delivery  of an  executed counterpart to this Amendment by facsimile transmission shall constitute delivery
of a manually executed counterpart hereof.

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IN
WITNESS WHEREOF, the parties have executed this Amendment as of the date and
year first above written. </FONT></P>

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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FRANKLIN COVEY CO. </FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. SCOTT NIELSEN</FONT> </TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Title:&nbsp;&nbsp;&nbsp;Senior Vice President - Finance</FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date:&nbsp;&nbsp;&nbsp;May 3, 2001 </FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>BANK ONE, NA, individually and as Agent </FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;STEPHEN M. FLYNN</FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Title:&nbsp;&nbsp;&nbsp;First Vice President</FONT></TD>
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<TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date:&nbsp;&nbsp;&nbsp;May 3, 2001</FONT></TD>
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