Exhibit 10.1(b)

FIRST AMENDMENT

THIS FIRST AMENDMENT (this "Amendment") dated as of November 29, 2004 is among Advance America, Cash
Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the
"Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as Administrative Agent.

W I T N E S S E T H

WHEREAS,
a $265 million revolving credit facility has been extended to the Borrower pursuant that Amended and Restated Credit Agreement (as amended, modified and supplemented from
time to time, the "Credit Agreement") dated as of July 16, 2004 among the Borrower, the Guarantors, the Lenders identified therein and Bank of
America, N.A., as Administrative Agent; and

WHEREAS,
the Borrower has requested certain modifications to the Credit Agreement and the Required Lenders have agreed to the requested modifications on the terms set forth herein.

NOW,
THEREFORE, IN CONSIDERATION of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

1.Defined Terms.Capitalized terms used herein but not otherwise defined herein shall have the meanings
provided to such terms in the Credit Agreement.

2.Amendments.



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3.Consents.The Required Lenders agree that for purposes of calculating the cash consideration payable in
respect of Acquisitions for purposes of Section 8.4(a), the cash consideration paid by the Borrower (and Indebtedness assumed) in connection with the acquisition of Church & Commerce,
LLC and the acquisition of the Specified Aircraft shall be excluded from such calculation.

4.Covenant of the Borrower.The Loan Parties covenant and agree that within sixty (60) days of the
Borrower or any Subsidiary acquiring the Specified Aircraft or the Capital Stock of a Person that owns one or more of the Specified Aircraft, the Loan Parties shall (a) cause the Specified
Aircraft to be subject to first priority, perfected Liens in favor of the Administrative Agent to secure the Obligations pursuant to security documents in form and substance reasonably acceptable to
the Administrative Agent, subject in any case to Permitted Liens, and (b) deliver such other documentation as the Administrative Agent may reasonably request in connection with the foregoing,
including, without limitation, appropriate Lien filings, certified resolutions and other organizational and

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authorizing
documents, favorable opinions of counsel, all in form, content and scope reasonably satisfactory to the Administrative Agent.

5.Conditions Precedent.This Amendment shall be effective as of the date hereof upon execution of this
Amendment by the Credit Parties and the Required Lenders.

6.Reaffirmation of Representations and Warranties.The Borrower and each Guarantor represents and warrants that
the representations and warranties set forth in the Credit Agreement and the other Credit Documents are true and correct in all material respects as of the date hereof (except those that expressly
relate to an earlier period).

7.Reaffirmation of Guaranty.Each Guarantor (a) acknowledges and consents to all of the terms and
conditions of this Amendment, (b) affirms all of its obligations under the Credit Documents and (c) agrees that this Amendment and all documents executed in connection herewith do not
operate to reduce or discharge such Guarantor's obligations under the Credit Documents.

8.No Other Changes.Except as modified hereby, all of the terms and provisions of the Credit Documents
(including schedules and exhibits thereto) shall remain in full force and effect.

9.Counterparts.This Amendment may be executed in any number of counterparts, each of which when so executed
and delivered shall be deemed an original and it shall not be necessary in making proof of this Amendment to produce or account for more than one such counterpart.

10.Governing Law.This Amendment shall be deemed to be a contract made under, and for all purposes shall be
construed in accordance with, the laws of the State of North Carolina.

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IN
WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Amendment to be duly executed and delivered as of the date first above written.

|BORROWER:   |  | ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.,
a Delaware corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|----------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|            |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|            |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|            |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|GUARANTORS: |  | AARC, INC.,
a Delaware corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|            |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|            |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|            |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|            |  | ADVANCE AMERICA SERVICING OF ARKANSAS, INC.,
a Delaware corporation
ADVANCE AMERICA SERVICING OF INDIANA, INC.,
a Delaware corporation
ADVANCE AMERICA LEASING SERVICES, INC.,
a Delaware corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|            |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|            |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|            |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|            |  | AAIC, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC,
a Delaware limited liability company
ADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC,
a Delaware limited liability company
ADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF
COLUMBIA, INC., a Delaware corporation
|            |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|            |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|            |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

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| |  | ADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC,
a Delaware limited liability company
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MARYLAND, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC,
a Delaware limited liability company
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC.,
a Delaware corporation
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
| |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
| |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  

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| |  | ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC,
a Delaware limited liability company
ADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC.,
a Delaware corporation
ADVANCE AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC.,
a Delaware corporation
ADVANCE AMERICA SERVICING OF GEORGIA, INC.,
a Delaware corporation
MCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C.,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF ARKANSAS, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF COLORADO, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF INDIANA, LLC,
a Tennessee limited liability company
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
| |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
| |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

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| |  | MCKENZIE CHECK ADVANCE OF IOWA, L.L.C.,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF KANSAS, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF MISSOURI, L.L.C.,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF NEBRASKA, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C.,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF OHIO, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF OREGON, LLC,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C.,
a Tennessee limited liability company
MCKENZIE CHECK ADVANCE OF WISCONSIN, LLC,
a Tennessee limited liability company
NCAS OF DELAWARE, LLC,
a Delaware limited liability company
NCAS OF NEW JERSEY, LLC,
a Delaware limited liability company
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
| |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
| |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
| |  | ADVANCE AMERICA MONEY.COM, INC.,
a Delaware corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
| |  | By:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
| |  | Name:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
| |  | Title:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

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| |  | ADVANCE AMERICA SERVICING OF TEXAS, L.P.,
a Texas limited partnership
| |  | ---------------------------------------------------------------------
| |  | By:                                                                  
| |  |                                                                      
| |  |                                                                      
| |  |                                                                      

[Signature Pages Continue]

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|ADMINISTRATIVE AGENT: |  | BANK OF AMERICA, N.A., as Administrative Agent
|--------------------- |  | ----------------------------------------------
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|LENDERS:              |  | BANK OF AMERICA, N.A., as a Lender            
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | WACHOVIA BANK, NATIONAL ASSOCIATION           
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | US BANK NATIONAL ASSOCIATION                  
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | WELLS FARGO BANK, N.A.                        
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | NATIONAL CITY BANK OF PENNSYLVANIA            
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | NATIONAL BANK OF SOUTH CAROLINA               
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        
|                      |  | CAROLINA FIRST BANK                           
|                      |  | By:                                           
|                      |  | Name:                                         
|                      |  | Title:                                        

[Signature Pages Continue]

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| |  | FIRST TENNESSEE BANK NATIONAL ASSOCIATION
| |  | -----------------------------------------
| |  | By:                                      
| |  | Name:                                    
| |  | Title:                                   
| |  | BRANCH BANKING AND TRUST COMPANY         
| |  | By:                                      
| |  | Name:                                    
| |  | Title:                                   
| |  | TEXAS CAPITAL BANK, NA                   
| |  | By:                                      
| |  | Name:                                    
| |  | Title:                                   

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