Exhibit 4.7

 

FIRST SUPPLEMENTAL INDENTURE

 

First Supplemental Indenture (this “Supplemental Indenture”), dated as of April 1, 2012, among the Subsidiaries listed on Schedule I hereto (the “Guaranteeing Subsidiaries”), each a direct or indirect subsidiary of Community Choice Financial Inc., an Ohio corporation (“CCFI”), as Issuer (under the Indenture referred to below), CCFI, and U.S. Bank National Association, as trustee (under the Indenture referred to below) (the “Trustee”).

 

W I T N E S S E T H

 

WHEREAS, each of the Issuer and the Subsidiary Guarantors has heretofore executed and delivered to the Trustee an indenture (the “Indenture”), dated as of April 29, 2011, providing for the issuance of an unlimited aggregate principal amount of 10.75% senior secured notes due 2019 (the “Notes”);

 

WHEREAS, the Indenture provides that under certain circumstances the Guaranteeing Subsidiaries shall execute and deliver to the Trustee a supplemental indenture pursuant to which the Guaranteeing Subsidiaries shall unconditionally guarantee all of the Issuer’s Obligations under the Notes and the Indenture on the terms and conditions set forth herein and under the Indenture (the “Guarantee”); and

 

WHEREAS, pursuant to Section 9.01 of the Indenture, the Trustee is authorized to execute and deliver this Supplemental Indenture;

 

NOW THEREFORE, in consideration of the foregoing and for other good and valuable consideration, the receipt of which is hereby acknowledged, the parties mutually covenant and agree for the equal and ratable benefit of the Holders of the Notes as follows:

 

(1)           Capitalized Terms.  Capitalized terms used herein without definition shall have the meanings assigned to them in the Indenture.

 

(2)           Agreement to Guarantee.  Each Guaranteeing Subsidiary hereby agrees to be a Guarantor under the Indenture and to be bound by the terms of the Indenture applicable to Subsidiary Guarantors, including Article 10 thereof.

 

(3)           Execution and Delivery.  Each Guaranteeing Subsidiary agrees that the Guarantee shall remain in full force and effect notwithstanding the absence of the endorsement of any notation of such Guarantee on the Notes.

 

(4)           Governing Law.  THIS SUPPLEMENTAL INDENTURE WILL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO APPLICABLE PRINCIPLES OF CONFLICTS OF LAW TO THE EXTENT THAT THE APPLICATION OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED THEREBY.

 

(5)           Counterparts.  The parties may sign any number of copies of this Supplemental Indenture.  Each signed copy shall be an original, but all of them together represent the same agreement.

 

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(6)           Effect of Headings.  The Section headings herein are for convenience only and shall not affect the construction hereof.

 

(7)           The Trustee.  The Trustee shall not be responsible in any manner whatsoever for or in respect of the validity or sufficiency of this Supplemental Indenture or for or in respect of the recitals contained herein, all of which recitals are made solely by each Guaranteeing Subsidiary.

 

[Remainder of Page Blank – Signature Page Follows]

 











 

IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed, all as of the date first above written.

 

	
 
    	
EACH   OF THE GUARANTEEING SUBSIDIARIES LISTED ON SCHEDULE I HERETO, as a   Guaranteeing Subsidiary
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Bridgette C. Roman
    
	
 
    	
 
    	
Name:
    	
Bridgette   C. Roman
    
	
 
    	
 
    	
Title:
    	
Senior   Vice President, Secretary and
    
	
 
    	
 
    	
 
    	
General   Counsel
    
	
 
    	
 
    
	
 
    	
COMMUNITY   CHOICE FINANCIAL INC., as Issuer
    
	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Bridgette C. Roman
    
	
 
    	
 
    	
Name:
    	
Bridgette   C. Roman
    
	
 
    	
 
    	
Title:
    	
Senior   Vice President, Secretary and
    
	
 
    	
 
    	
 
    	
General   Counsel
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
U.S.   BANK NATIONAL ASSOCIATION, as Trustee
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   David A. Schlabach
    
	
 
    	
 
    	
Name:
    	
David   A. Schlabach
    
	
 
    	
 
    	
Title:
    	
Vice   President
    


 











 

SCHEDULE I

 

	
Subsidiary
    	
 
    	
Jurisdiction of Incorporation
    
	
Direct Financial   Solutions, LLC
    	
 
    	
Delaware
    
	
 
    	
 
    	
 
    
	
Cash Central of   Alabama, LLC
    	
 
    	
Alabama
    
	
 
    	
 
    	
 
    
	
Cash Central of   Alaska, LLC
    	
 
    	
Alaska
    
	
 
    	
 
    	
 
    
	
Cash Central of   California, LLC
    	
 
    	
California
    
	
 
    	
 
    	
 
    
	
Cash Central of   Delaware, LLC
    	
 
    	
Delaware
    
	
 
    	
 
    	
 
    
	
Cash Central of   Hawaii, LLC
    	
 
    	
Hawaii
    
	
 
    	
 
    	
 
    
	
Cash Central of   Idaho, LLC
    	
 
    	
Idaho
    
	
 
    	
 
    	
 
    
	
Cash Central of   Kansas, LLC
    	
 
    	
Kansas
    
	
 
    	
 
    	
 
    
	
Cash Central of   Minnesota, LLC
    	
 
    	
Minnesota
    
	
 
    	
 
    	
 
    
	
Cash Central of   Missouri, LLC
    	
 
    	
Missouri
    
	
 
    	
 
    	
 
    
	
Cash Central of   Nevada, LLC
    	
 
    	
Nevada
    
	
 
    	
 
    	
 
    
	
Cash Central of   North Dakota, LLC
    	
 
    	
North Dakota
    
	
 
    	
 
    	
 
    
	
Cash Central of   South Dakota, LLC
    	
 
    	
South Dakota
    
	
 
    	
 
    	
 
    
	
Cash Central of   Texas, LLC
    	
 
    	
Texas
    
	
 
    	
 
    	
 
    
	
Cash Central of   Utah, LLC
    	
 
    	
Utah
    
	
 
    	
 
    	
 
    
	
Cash Central of   Washington, LLC
    	
 
    	
Washington
    
	
 
    	
 
    	
 
    
	
Cash Central of   Wyoming, LLC
    	
 
    	
Wyoming
    
	
 
    	
 
    	
 
    
	
Cash Central of   Wisconsin, LLC
    	
 
    	
Wisconsin
    
	
 
    	
 
    	
 
    
	
Reliant   Software, Inc.
    	
 
    	
Utah
    
	
 
    	
 
    	
 
    
	
Community Choice   Family Insurance Agency, LLC
    	
 
    	
Delaware