[lendercommitmentagreemen001.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen002.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen003.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen004.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen005.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen006.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen007.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen008.jpg]

--------------------------------------------------------------------------------

 
[lendercommitmentagreemen009.jpg]
PORTFOLIO RECOVERY ASSOCIATES, INC. LENDER COMMITMENT AGREEMENT Schedule I
Column A Column B Lender Prior Domestic Revolving A Commitment Increased
Domestic Revolving A Commitment Capital One, N.A. $15,787,159.19 $31,923,522.83
Xenith Bank $4,333,333.33 $6,350,378.45 Bank of America, N.A. $75,803,430.09
$75,803,430.42

--------------------------------------------------------------------------------