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                                                                      Execution              THIRD AMENDMENT TO REVOLVING LOAN AGREEMENT             THIS THIRD AMENDMENT TO REVOLVING LOAN AGREEMENT (this  “Amendment”), dated as of November 9, 2018, is by and among CURO FINANCIAL   TECHNOLOGIES CORP., a Delaware corporation (“CFTC”), CURO INTERMEDIATE   HOLDINGS CORP., a Delaware corporation (“Holdings” and, together with CFTC, the   “Borrower”), the Guarantors party to the Loan Agreement (as defined below), each Lender party   to the Loan Agreement (as defined below) and BAY COAST BANK, as administrative agent (in   such capacity, the “Administrative Agent”).  Capitalized terms used herein and not otherwise   defined herein shall have the meanings ascribed thereto in the Loan Agreement.                                  W I T N E S S E T H          WHEREAS, the Borrower, certain of the Lenders, the Guarantors and the Administrative   Agent are parties to that certain Revolving Loan Agreement dated as of September 1, 2017 (as   amended, modified, extended, restated, replaced, or supplemented from time to time, the “Loan   Agreement”);           WHEREAS, the Borrower has requested that the Lenders amend certain provisions of  the Loan Agreement to increase the Commitments thereunder and to add two additional Lenders  to the Loan Agreement in order to permit the Borrower to incur Indebtedness under the Loan  Agreement in an amount permitted under the Senior Notes Indenture on the date hereof; and         WHEREAS, as of the date hereof, Section 5.09(b)(i) of the Senior Notes Indenture   permits the Borrower to incur Indebtedness under the Loan Agreement not to exceed   $90,041,000 million.          NOW, THEREFORE, in consideration of the agreements hereinafter set forth, and for   other good and valuable consideration, the receipt and adequacy of which are hereby   acknowledged, the parties hereto agree as follows:                                     ARTICLE I                                  AMENDMENTS         1.1   Amendments to Section 1.01.                 (a)   Section 1.01 of the Loan Agreement is hereby amended by amended and         restating the definitions of “Commitment” and “Debt Limitation” in their entirety as         follows:                “Commitment” means the commitment of a Lender to make or otherwise fund a               Loan and to acquire participations in Letters of Credit hereunder, and               “Commitments” means such commitments of all Lenders in the aggregate. The               amount of each Lender’s Commitment, if any, is set forth opposite such Lender’s               name on Schedule 1.01(a) or in the applicable Assignment Agreement, subject to               any adjustment or reduction pursuant to the terms and conditions hereof. The     ACTIVE/97019144.4  





 






            aggregate amount of the Commitments as of the Third Amendment Effective Date              is $50,000,000.               “Debt Limitation” means the greater of (i) $50.0 million and (ii) 11% of              Consolidated Tangible Assets.               (b)   Section 1.01 of the Loan Agreement is hereby further amended adding the        following new definitions in alphabetical order:               “Third Amendment” means that certain Third Amendment to Revolving Loan              Agreement, dated as of November 9, 2018, by and among the Borrower, the              Guarantors party thereto, the Lenders party thereto and the Administrative Agent.               “Third Amendment Effective Date” has the meaning set forth in the Third              Amendment.         1.2   Amendment of Section 9.01.  Section 9.01 of the Loan Agreement is hereby  amended by restating the section in its entirety to read as follows:               Section 9.01  Amendments, Etc.  No amendment or waiver of any provision of              this Agreement or any other Facility Document, and no consent to any departure              by the Borrower or Guarantor therefrom, shall be effective unless in writing              signed by the Required Lenders (provided that any Defaulting Lender shall be              deemed not to be a “Lender” for purposes of calculating the Required Lenders              (including the granting of any consents or waivers) with respect to any of the              Facility Documents) and the Borrower and the applicable Loan Parties and              acknowledged by Administrative Agent, and each such waiver or consent shall be              effective only in the specific instance and for the specific purpose for which              given; provided that no amendment, waiver or consent shall, unless in writing and              signed by each Lender that would be directly and adversely affected thereby, the              Administrative Agent and/or the Collateral Agent, as the case may be, do any of              the following: (a) waive any of the conditions specified in Article III, (b) reduce              the principal of, or interest on, any Loan, any reimbursement obligation in respect              of any Letter of Credit or any other amounts payable hereunder, (c) postpone any             date fixed for any payment of principal of, or interest on, any Loan or any other             amounts payable hereunder, including without limitation the Commitment             Termination Date or waive any demand for any such payment, (d) increase any             Commitment of any Lender over the amount thereof then in effect or extend the             outside date for such Commitment or extend the stated expiration date of any             Letter of Credit beyond the Commitment Termination Date, (e) release all or             substantially all of the value of the Guarantee hereunder or release all or             substantially all of the Collateral or subordinate the Secured Parties’ Liens on the             Collateral, (f) change the percentage of the aggregate unpaid principal amount of             the Loans or the number of Lenders that shall be required for Lenders or any of             them to take any action hereunder or (g) amend the definition of “Required             Lenders,” “Pro Rata Share” or this Section 9.01; provided, further that no              amendment, waiver or consent shall  (i) unless in writing and signed by the    2  ACTIVE/97019144.4  





 






             relevant Agent in addition to the Lenders required above to take such action,               affect the rights or duties of such Agent under this Agreement or any other               Facility Document or (ii) unless in writing and signed by the Issuing Bank,               amend, modify, terminate or waive any obligation of Lenders relating to the               purchase of participations in Letters of Credit as provided in Section 2.05(e).          1.3   Amendment to Schedule 1.01(a).  Schedule 1.01(a) of the Loan Agreement is   hereby amended by substituting therefor the Schedule 1.01(a) attached hereto.          1.4   Amendment of Exhibit A-1.  Exhibit A-1 of the Loan Agreement is hereby   amended by substituting therefor the Exhibit A-1 attached hereto.          1.5   Amendment of Exhibit C.  Exhibit C of the Loan Agreement is hereby amended   by substituting therefor the Exhibit C attached hereto.                                     ARTICLE II                         CONDITIONS TO EFFECTIVENESS         2.1   Closing Conditions.  This Amendment shall become effective as of the day and   year set forth above (the “Third Amendment Effective Date”) upon satisfaction of the following   conditions (in each case, in form and substance reasonably acceptable to the Administrative   Agent) on or prior to the date hereof.                (a)   Executed Amendment.  The Administrative Agent shall have received a   copy of this Amendment duly executed by the Borrower, the Required Lenders and the  Administrative Agent.               (b)   Certificate of Responsible Officer.  The Administrative Agent shall have   received a certificate of a Responsible Officer of the Borrower dated the Third Amendment   Effective Date certifying that the Commitments, as amended by this Amendment, comply with   Section 5.09(b) of the Senior Notes Indenture.                (c)   Officer's Certificate.  The Administrative Agent shall have received a   certificate of a Responsible Officer of the Borrower dated the Third Amendment Effective Date   certifying as to (i) the Organizational Documents of each Loan Party (which, to the extent filed   with a Governmental Authority, shall be certified as of a recent date by such Governmental   Authority), (ii) the resolutions of the governing body of each Loan Party approving this  Amendment and the transactions contemplated by the Facility Documents to which such Loan  Party is a party, (iii) the good standing, existence or its equivalent of each Loan Party, issued as   of a recent date by the appropriate public officials, and (iv) the incumbency (including specimen   signatures of those who sign the Facility Documents delivered on the Third Amendment   Effective Date) of the Responsible Officers of each Loan Party.                (d)   Legal Opinion. The Administrative Agent shall have received opinions of   counsel to the Loan Parties addressed to the Administrative Agent and the Lenders, in form and   substance reasonably satisfactory to the Administrative Agent.      3   ACTIVE/97019144.4  





 






             (e)   Notes. The Administrative Agent shall have received duly executed Notes   in favor of any Lender which requests a Note, in form and substance reasonably satisfactory to   the Administrative Agent and the applicable Lenders.                (f)   Fees.  The Administrative Agent shall have received payment for all   reasonable and documented fees and expenses of the Agent and the Agent’s legal counsel  invoiced to date.               (g)   Miscellaneous.  All other documents and legal matters in connection with   the transactions contemplated by this Amendment shall be reasonably satisfactory in form and   substance to the Administrative Agent and its counsel.                                     ARTICLE III                                 MISCELLANEOUS          3.1   Additional Lenders.  By its signature below, each of Central National Bank, a   national banking association (“Central”), and Metropolitan Commercial Bank, a New York   State-chartered bank (“Commercial”), hereby becomes a party to the Loan Agreement as a   Lender with the Commitment set forth opposite its name on Schedule 1.01(a) and accepts and  agrees to be bound by the terms of the Loan Agreement and the other Facility Documents.  Each  of Central and Commercial further agrees that it (a) understands, acknowledges and agrees that   certain liens exist, and may after the date hereof be created, on the Collateral pursuant to the   Senior Notes Indenture, which liens are or shall be, as applicable, subject to the terms and  conditions of the Intercreditor Agreement, (b) will be bound by and will take no actions contrary  to the provisions of the Loan Documents, the Intercreditor Agreement and any other intercreditor  agreement (if entered into) and (c) hereby authorizes and instructs the Agent to enter into any  other intercreditor agreement contemplated by the Loan Agreement or any Collateral Document  (and any amendments, amendments and restatements, restatements or waivers of or supplements  to or other modifications), and to subject the liens on the Collateral securing the Obligations to  the provisions thereof.  Upon the Third Amendment Effective Date, the Administrative Agent  shall reallocate, and Central and Commercial shall each purchase, a portion of the aggregate  principal amount of all Loans outstanding as to all Loan Parties from all Lenders such that each  Lender will hold its Pro Rata Share of such Loans.         3.2   Amended Terms.  On and after the Third Amendment Effective Date, all   references to the Loan Agreement in each of the Facility Documents shall hereafter mean the   Loan Agreement as amended by this Amendment.  Except as specifically amended hereby or   otherwise agreed, the Loan Agreement is hereby ratified and confirmed and shall remain in full   force and effect according to its terms.         3.3    Representations and Warranties of Loan Parties.  The Borrower represents and   warrants as follows:                (a)   It has taken all necessary action to authorize the execution, delivery and   performance of this Amendment.                (b)   This Amendment has been duly executed and delivered by such Person   and constitutes such Person’s legal, valid and binding obligation, enforceable in accordance with     4   ACTIVE/97019144.4  





 






 its terms, except as such enforceability may be subject to (i) bankruptcy, insolvency,   reorganization, fraudulent conveyance or transfer, moratorium or similar laws affecting   creditors’ rights generally and (ii) general principles of equity (regardless of whether such   enforceability is considered in a proceeding at law or in equity).                (c)   No consent, approval, authorization or order of, or filing, registration or   qualification with, any court or governmental authority or third party is required in connection   with the execution, delivery or performance by such Person of this Amendment.                (d)   Any and all notices required to be delivered by the Borrower, including   but not limited to any notices required to be delivered by the Borrower pursuant to the Indenture   Documents, have been duly given.                (e)   The representations and warranties set forth in Article IV of the Loan   Agreement are true and correct as of the date hereof in all material respects (except for those   which expressly relate to an earlier date).                (f)   After giving effect to this Amendment, no event has occurred and is   continuing which constitutes a Default or an Event of Default.                (g)   The Collateral Documents continue to create a valid security interest in,   and Lien upon, the Collateral, in favor of the Administrative Agent, for the benefit of the   Lenders to secure all Obligations (including the principal amount of all Loans up to the   maximum amount of the Commitments as increased under this Amendment), which security   interests and Liens are perfected in accordance with the terms of the Collateral Documents and   prior to all Liens other than Permitted Liens.                (h)   No Conflict.  The execution, delivery and performance by the Loan Parties   of this Amendment and the consummation of the transactions hereunder do not and will not (i)  violate (A) any provision of any Law or any governmental rule or regulation applicable to any   such Loan Party, (B) any of the Organizational Documents of any Loan Party or (C) any order,   judgment, or decree of any court or other agency of government binding on such Loan Party; (ii)   result in a breach of or constitute (with due notice or lapse of time or both) a default under any   Contractual Obligation of such Loan Party; (iii) result in or require the creation or imposition of   any Lien upon any of the properties or assets of such Loan Party (other than any Liens created   under any of the Facility Documents in favor of the Collateral Agent on behalf of the Secured   Parties); or (iv) require any approval of stockholders, members, or partners or any approval or   consent of any Person under any Contractual Obligation of any Loan Party, except for such   approvals or consents which have been obtained on or before the Third Amendment Effective   Date and disclosed in writing to the Lenders.                (i)   Incurrence of Indebtedness.  Pursuant to the terms of Section 5.09(b)(i) of   the Senior Notes Indenture, the Borrower is permitted to incur Indebtedness under the Loan   Agreement on the date hereof in an aggregate principal amount of $90,041,000, and the   Borrower is not required under the Senior Notes Indenture to take any further action or provide   any notice to any Person in connection with the incurrence of any such Indebtedness.      5   ACTIVE/97019144.4  





 






             (j)   First Priority Claims.  The outstanding amount of all Obligations,   including without limitation the principal of and all interest on Loans and all Additional Secured   Obligations, constitute and at all times will constitute “First Priority Claims” under the Senior   Notes Indenture and “First Lien Obligations” under the Intercreditor Agreement.                (k)   Collateral.  All Obligations are secured by the “Collateral” under the   “Collateral Documents” (each as defined in the Senior Notes Indenture) and entitled to a senior   secured position with respect to such Collateral as First Priority Claims thereunder in accordance   with the terms thereof.          3.4   Reaffirmation of Obligations.  The Borrower hereby ratifies the Loan Agreement   and acknowledges and reaffirms (a) that it is bound by all terms of the Loan Agreement   applicable to it and (b) that it is responsible for the observance and full performance of its  respective Obligations.         3.5   Facility Document.  This Amendment shall constitute a Facility Document under   the terms of the Loan Agreement.          3.6   Expenses.  The Borrower agrees to pay all reasonable costs and expenses of the   Administrative Agent in connection with the preparation, execution and delivery of this  Amendment, including without limitation the reasonable fees and expenses of Goodwin Procter  LLP, the Administrative Agent’s legal counsel.         3.7   Further Assurances.  The Borrower agrees to promptly take such action, upon the   request of the Administrative Agent, as is necessary to carry out the intent of this Amendment.          3.8   Entirety.  This Amendment and the other Facility Documents embody the entire   agreement among the parties hereto and supersede all prior agreements and understandings, oral   or written, if any, relating to the subject matter hereof.          3.9   Counterparts; Telecopy.  This Amendment may be executed in any number of   counterparts, each of which when so executed and delivered shall be an original, but all of which   shall constitute one and the same instrument. Delivery of an executed counterpart of a signature   page of this Amendment or any other document required to be delivered hereunder, by fax   transmission or e-mail transmission (e.g. “pdf” or “tif”) shall be effective as delivery of a   manually executed counterpart of this Agreement.  Without limiting the foregoing, upon the   request of any party, such fax transmission or e-mail transmission shall be promptly followed by   such manually executed counterpart.          3.10  GOVERNING LAW.  THIS AMENDMENT SHALL BE GOVERNED BY,   AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE   LAWS OF THE STATE OF NEW YORK.          3.11  Successors and Assigns.  This Amendment shall be binding upon and inure to the   benefit of the parties hereto and their respective successors and assigns.      6   ACTIVE/97019144.4  





 






      3.12  Consent to Jurisdiction; Service of Process; Waiver of Jury Trial.  The  jurisdiction, service of process and waiver of jury trial provisions set forth in Section 9.06 of the  Loan Agreement are hereby incorporated by reference, mutatis mutandis.                [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]     7  ACTIVE/97019144.4  





 






 





 






 





 






 





 






 





 






 





 






 





 






                                                                   EXHIBIT A-1                                     [FORM OF]                                                                         BORROWING REQUEST    Bay Coast Bank   as Administrative Agent and Collateral Agent (the “Agent”) for   the Lenders party to the Revolving Loan Agreement referred to below,          Attn:          CC:                                                                             [Date]   Ladies and Gentlemen:         The undersigned refers to the Revolving Loan Agreement dated as of September 1, 2017  (as amended, supplemented or otherwise modified from time to time, the “Revolving Loan   Agreement”), among CURO Financial Technologies Corp. and CURO Intermediate Holdings   Corp. (collectively, the “Borrower”), the subsidiaries of the Borrower party thereto, the lenders   party thereto (the “Lenders”), and you, as Administrative Agent and Collateral Agent for such   Lenders.  Capitalized terms used herein and not otherwise defined herein shall have the   meanings assigned to such terms in the Revolving Loan Agreement.  The Borrower hereby gives   you notice pursuant to Section 2.02(b) of the Revolving Loan Agreement that it requests a   Borrowing under the Revolving Loan Agreement, and in that connection sets forth below the   terms on which such Borrowing is requested to be made:          (A)   Date of Borrowing               (which is a Business Day)            (B) Aggregate Amount of               Borrowing            (C)   Type of Borrowing           (D)   The last day of the Interest               Period1            (E)   Funds are requested to be disbursed to the Borrower’s account as follows               (Account No. [____________________])          (F)   Consolidated Tangible Assets          ______________________________          (G) Debt Limitation2                               ______________________________                                                       1 One month.   2 Debt Limitation equals the greater of (i) $50 million and (ii) 11% of Consolidated Tangible Assets.                                              ACTIVE/93998455.4  





 






           The Borrower hereby represents and warrants to the Agent and the Lenders that, on the   date of this Borrowing Request and on the date of the related Borrowing, the Debt Limitation is   as set forth in item (G) above and that, after giving effect to the Borrowing hereunder, the Total  Utilization does not exceed the Debt Limitation.         The Borrower hereby further represents and warrants to the Agent and the Lenders that,  on the date of this Borrowing Request and on the date of the related Borrowing, the conditions to  lending specified in Section 3.02 of the Revolving Loan Agreement have been satisfied.  The  Borrower further represents and warrants to the Agent and the Lenders that, as of the date of this  Borrowing Request and on the date of the related Borrowing, the total amount of First Priority  Claims has not been and will not be required to be reduced pursuant to the provisions of Section  5.09(b)(i) of the Senior Notes Indenture.        ACTIVE/93998455.4  





 






                                                                  EXHIBIT A-1                                       CURO FINANCIAL TECHNOLOGIES CORP.                                      CURO INTERMEDIATE HOLDINGS CORP.                                                                                                                                                        By:                                            Name:                                          [Responsible Officer]                                                ACTIVE/93998455.4  





 






                                                                     EXHIBIT C                                           [FORM OF]                                                                      COMPLIANCE CERTIFICATE    THE UNDERSIGNED HEREBY CERTIFIES AS FOLLOWS:          1.    I am the [Chief Financial Officer/Treasurer] of CURO Financial Technologies   Corp. and CURO Intermediate Holdings Corp. (collectively, “Borrower”).          2.    I have reviewed the terms of that certain Revolving Loan Agreement, dated as of   September 1, 2017, by and among Borrower, certain subsidiaries of Borrower, the Lenders party   thereto, and Bay Coast Bank, as Administrative Agent and Collateral Agent (as it may be  amended, supplemented or otherwise modified, the “Revolving Loan Agreement”), and I have  made, or have caused to be made under my supervision, a review in reasonable detail of the  transactions and condition of Borrower and its Subsidiaries during the accounting period covered  by the financial statements attached hereto as Annex A.  All terms used but not defined herein   shall have their respective meanings in the Revolving Loan Agreement.          3.    The examination described in paragraph 2 above did not disclose, and I have no   knowledge of, the existence of any condition or event which constitutes an Event of Default or   Default during or at the end of the accounting period covered by the attached financial   statements or as of the date of this Certificate [except as set forth in a separate attachment to this   Certificate, describing in detail, the nature of the condition or event, the period during which it   has existed and the action which Borrower has taken, is taking, or proposes to take with respect   to each such condition or event].          4.    Set forth on Annex B attached hereto are the detailed information and calculations   showing compliance with the financial covenants set forth in Section 5.03 of the Revolving Loan   Agreement and calculating the Debt Limitation.          ACTIVE/93998455.4  





 






         The foregoing certifications, together with the computations set forth in Annex A and  Annex B hereto are made and delivered [________ __, 20__] pursuant to Section 5.01(a)(iii) of  the Revolving Loan Agreement.                                       CURO FINANCIAL TECHNOLOGIES CORP.                                      CURO INTERMEDIATE HOLDINGS CORP.                                                                                                                                                        By:                                            Name:                                          [Responsible Officer]        ACTIVE/93998455.4  





 






                                                                    ANNEX A TO                                                     COMPLIANCE CERTIFICATE                                                                                                              FINANCIAL STATEMENTS       ACTIVE/93998455.4  





 






                                                                                              ANNEX B TO                                                                            COMPLIANCE CERTIFICATE                               CURO FINANCIAL TECHNOLOGIES CORPORATION                                            FINANCIAL COVENANTS                                  for the Four Fiscal Quarters Ended [_____], 20[__]                                                   (in thousands)               Fiscal Quarter Ended                                                                                                   Trailing Twelve                             [_____], 20[__]   [_____], 20[__]  [_____], 20[__]   [_____], 20[__]     Months  Consolidated Cash Flow       Consolidated Interest              Expense    Consolidated Interest              Coverage Ratio   Cash       Loans Receivable, net       Property and Equipment,            net       Eligible Collateral         Total Utilization             Minimum Eligible                   Collateral Value   August 2018 8.250% Senior Secured Notes (due 2025)  Senior Revolver       Other Indebtedness                   Indebtedness         Consolidated Leverage                              Ratio   Consolidated Tangible              Assets         Debt Limitation*            * The greater of $50,000,000 and 11% of Consolidated Tangible Assets, less the aggregate amount of all Net Proceeds of Assets  Sales applied to permanently repay any such Indebtedness (and to correspondingly reduce commitments with respect thereto)  pursuant to Section 5.10 of the Senior Notes Indenture.       ACTIVE/93998455.4