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Exhibit 10.1

 

FOURTH AMENDMENT TO CREDIT AGREEMENT

     THIS FOURTH AMENDMENT TO CREDIT AGREEMENT (the "Fourth Amendment") is dated
to be effective as of September 7, 2007, among FIRST CASH FINANCIAL SERVICES,
INC. (the "Borrower") and JPMORGAN CHASE BANK, N.A. successor by merger to Bank
One, NA (Main Office Chicago) (the "Lender" and the "Agent") and WELLS FARGO
BANK, NATIONAL ASSOCIATION, successor by merger to Wells Fargo Bank Texas,
National Association (the "Lender").

W I T N E S S E T H:

     WHEREAS, the Borrower and the Lenders are parties to that certain Credit
Agreement dated as of August 9, 2002, and that certain First Amendment to Loan
Agreement dated March 1, 2004, and that certain Second Amendment to Loan
Agreement dated June 30, 2005, and that certain Third Amendment to Loan
Agreement dated August 22, 2006, by and between the Borrower and the Lenders
(collectively the "Agreement"); and

     WHEREAS, the Borrower and the Lenders desire to amend the Agreement by this
Fourth Amendment to reflect the agreements, modifications and amendments as set
forth below.

     NOW, THEREFORE, for and in consideration of the above premises and for
other good and valuable consideration, the parties hereto agree as follows:

     1,     Definitions. All capitalized terms defined in the Agreement and not
otherwise defined in this Fourth Amendment shall have the same meanings as
assigned to them in the Agreement when used in this Fourth Amendment, unless the
context hereof shall otherwise require or provide.

     2.     Representations and Warranties. In order to induce the Lenders to
enter into this Fourth Amendment, the Borrower represents and warrants to the
Lenders that:

           A.     The Borrower has the requisite corporate authority to execute,
deliver and perform the terms and provisions of this Fourth Amendment, the
Agreement as amended by this Fourth Amendment, and the Loan Documents and the
Borrower has taken all corporate and other action necessary to authorize such
matters; and

           B.     Neither the execution and delivery of this Fourth Amendment,
nor any other documents executed by the Borrower in connection herewith, nor the
consummation of any of the transactions herein or therein contemplated, nor
compliance with the terms and provisions hereof or thereof, will contravene or
conflict with any provision of law, statute or regulation to which the Borrower
is subject or any judgment, license, order or permit applicable to the Borrower
or any indenture, agreement or other instrument to which the Borrower may be
subject; no consent, approval, authorization or order of any court, governmental
authority or Third party is required in connection with the execution and
delivery of this Fourth Amendment or any of the other documents executed and
delivered in connection herewith or to consummate the transactions contemplated
herein or therein;

           C.     This Fourth Amendment, the Agreement, as amended hereby, and
the Loan Documents are the legal and binding obligations of the Borrower,
enforceable in accordance with their respective terms, except as limited by
bankruptcy, insolvency or other laws of general application relating to the
enforcement of creditors' rights;

           D.     After the execution of this Fourth Amendment, no event has
occurred and is continuing which constitutes a Default;

           E.     All of the representations and warranties of the Borrower
contained in Article V of the Agreement are true and correct as of the date
hereof.

     3.     Amendments to Article I. The following definitions are amended
and/or added to the Agreement and shall read as follows:

"Aggregate Commitment" means the aggregate of the Commitments of all Lenders, as
reduced from time to time pursuant to the terms hereof, which as of September 7,
2007 shall be equal to Ninety Million and no/100 Dollars ($90,000,000.00)."

"Facility Termination Date" means April 15, 2010, or any earlier date on which
the Aggregate Commitment is reduced to zero or otherwise terminated pursuant to
the terms hereof."

"Guarantors" means, collectively, Cash & Go, Inc., Famous Pawn, Inc., First
Cash, Inc., First Cash Corp., First Cash, Ltd., First Cash Management, L.L.C.,
One Iron Ventures, Inc., FCFS MO, Inc., FCFS SC, Inc., FCFS OK, Inc., FCFS MI,
Inc., First Cash Credit, Ltd., First Cash Credit Management, L.L.C., First Cash,
S.A. de C.V., American Loan Employee Services, S.A de C.V., Ya Servicios, S.A.
DE C.V. SOFOM, E.N.R., SHAC, Inc., and Guaranteed Auto Finance, Inc., and their
successors and assigns, and 'Guarantor' means any of the Guarantors."

"Guaranty" means the identical Unlimited Guaranties dated as of September 7,
2007, executed by the Guarantors in favor of each Lender, for the ratable
benefit of the Lenders, as such may be amended or modified and in effect from
time to time."

     4.     Amendments to Article VI. Section 6.24 is amended to read in its
entirety as follows:

"6.24     Stock Repurchases. Borrower shall not permit the aggregate amount of
Stock Repurchases to exceed $40,000,000.00 during any fiscal year or
$75,000,000.00 in the aggregate period of time commencing September 7, 2007, and
ending on the Facility Termination Date; provided, however, no Stock Repurchase
is permitted during any period of time the Borrower= s Fixed Charge Coverage
Ratio is less than 1.50 to 1.00."

     5.     Amendments to Exhibits, Schedules, and Addendum I. Schedule 3
(Commitments and Pro Rata Shares) is amended as set forth in the attachment to
this Fourth Amendment.

     6.     Conditions Precedent. This Fourth Amendment and the obligations of
the Lenders hereunder are subject to the conditions precedent that the Borrower
shall have (a) duly executed and delivered to the Lenders this Fourth Amendment,
and (b) paid to the Agent an amount to reimburse the Agent for its reasonable
attorneys' fees incurred in the preparation of this Fourth Amendment and related
Loan Documents, and (c) paid to the Agent a closing fee in the amount of
$20,000.00 divided ratably by the Lenders.

     7.     Scope of Amendments. Any and all other provisions of the Agreement
and any other Loan Documents are hereby amended and modified wherever necessary
and even through not specifically addressed herein, so as to conform to the
amendments and modifications set forth in this Fourth Amendment.

     8.     Limitation on Agreements. The amendments set forth herein are
limited in scope as described herein and shall not be deemed (a) to be a consent
under, or waiver of, any other term or condition of the Agreement or any of the
Loan Documents, or (b) to prejudice any right or rights which the Lenders now
have or may have in the future under, or in connection with the Agreement as
amended by this Fourth Amendment, the Loan Documents or any of the documents
referred to herein or therein.

     9.     Multiple Counterparts. This Fourth Amendment may be executed in any
number of counterparts, all of which taken together shall constitute one and the
same agreement, and any of the parties hereto may execute this Fourth Amendment
by signing any such counterpart.

     THE CREDIT AGREEMENT, AS AMENDED BY THIS FOURTH AMENDMENT, AND THE LOAN
DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE
PARTIES.

     Executed to be effective as of September 7, 2007.

 

      LENDER AND AGENT:

JPMORGAN CHASE BANK, N.A., successor by
merger to Bank One, NA (Main Office Chicago)

       

By:

 

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Name:

 

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Title:

 

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      LENDER:

WELLS FARGO BANK, N.A., successor by merger
to Wells Fargo Bank Texas, National Association

       

By:

 

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Name:

 

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Title:

 

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      BORROWER:

FIRST CASH FINANCIAL SERVICES, INC.

       

By:

 

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Name:

Rick Wessel

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Title:

President

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      GUARANTORS:

REVIEWED AND AGREED:

     

CASH & GO, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FAMOUS PAWN, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FCFS MO, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FCFS OK, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FCFS SC, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FCFS MI, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FIRST CASH, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FIRST CASH CORP.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FIRST CASH, LTD.

 

By:

FIRST CASH MANAGEMENT, L.L.C.,
its General Partner

   

By:

 

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Name:

Rick Wessel

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Title:

Manager

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FIRST CASH MANAGEMENT, L.L.C.

 

By:

 

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Name:

Rick Wessel

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Title:

Manager

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ONE IRON VENTURES, INC.

 

By:

 

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Name:

Rick Wessel

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Title:

President

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FIRST CASH CREDIT, LTD.

 

By:

FIRST CASH CREDIT MANAGEMENT,
L.L.C. its General Partner

           

By:

 

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Name:

R. Douglas Orr

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Title:

Manager

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FIRST CASH CREDIT MANAGEMENT, L.L.C.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Manager

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FIRST CASH, S.A. DE C.V.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Legal Representative

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AMERICAN LOAN EMPLOYEE SERVICES,
S.A. DE C.V.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Legal Representative

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YA SERVICIOS, S.A. DE C.V. SOFOM, E.N.R.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Legal Representative

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SHAC, INC.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Secretary

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GUARANTEED AUTO FINANCE, INC.

 

By:

 

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Name:

R. Douglas Orr

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Title:

Secretary

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SCHEDULE 3

COMMITMENTS
ND PRO RATA SHARES

 

Lender

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Commitments

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Pro Rata
Share

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JPMorgan Chase Bank, N.A.

$47,500,000.00

52.7778%

 

 

 

Wells Fargo Bank, N.A.

$42,500,000.00

47.2222%

 

 

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Total

$90,000,000.00

100.00%