Exhibit 10.1(c)

SECOND
AMENDMENT

THIS
SECOND AMENDMENT (this "Amendment") dated as of February 17, 2011 to the Credit Agreement referenced below is by and 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 (in such capacity, the
"Administrative Agent").

W
I T N E S S E T H

WHEREAS,
a revolving credit facility has been extended to the Borrower pursuant to the Amended and Restated Credit Agreement (as amended, modified and supplemented from time to time, the
"Credit Agreement") dated as of March 24, 2008 among the Borrower, the Guarantors, the Lenders identified therein and the 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 defined herein shall have the meanings provided to such
terms in the Credit Agreement.

2.Amendment.In Section 8.7(c) of the Credit Agreement the reference to "$1.5 million" is amended
to read "$4 million".

3.Conditions Precedent.This Amendment shall be effective as of the date hereof upon satisfaction of each of
the following conditions precedent:



4.Amendment is a "Credit Document".This Amendment is a Credit Document and all references to a "Credit
Document" in the Credit Agreement and the other Credit Documents (including, without limitation, all such references in the representations and warranties in the Credit Agreement and the other Credit
Documents) shall be deemed to include this Amendment.

5.Representations and Warranties; No Default.Each Credit Party represents and warrants to the Administrative
Agent and each Lender that after giving effect to this Amendment, (a) each of the representations and warranties of each Credit Party contained in the Credit Agreement or any other Credit
Document are true and correct in all material respects on and as of the date hereof, except to the extent that such representations and warranties specifically refer to an earlier date, in which case
they are be true and correct in all material respects as of such earlier date, and (b) no Default or Event of Default exists.

6.Reaffirmation of Obligations.Each Credit Party (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 Credit Party's obligations under the Credit Documents.

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7.Reaffirmation of Security Interests.Each Credit Party (a) affirms that each of the Liens granted in
or pursuant to the Credit Documents are valid and subsisting and (b) agrees that this Amendment shall in no manner impair or otherwise adversely effect any of the Liens granted in or pursuant
to the Credit Documents.

8.Counterparts; Delivery.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. Delivery of an executed
counterpart of this Amendment by facsimile or other electronic imaging means shall be effective as an original.

9.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.

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

BORROWER:ADVANCE AMERICA, CASH ADVANCE CENTERS, INC., a Delaware corporationBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and PresidentGUARANTORS:AARC, INC., a Delaware corporationBy:

W. Thomas NewellName:

W. Thomas NewellTitle:

PresidentADVANCE AMERICA SERVICING OF ARKANSAS, INC., a Delaware corporationADVANCE AMERICA SERVICING OF INDIANA, INC., a Delaware corporationADVANCE AMERICA LEASING SERVICES, INC., a Delaware corporationAAIC, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC,a Delaware limited liability companyADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC,a Delaware limited liability companyADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF COLUMBIA, INC.,a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC,a Delaware limited liability companyBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and President


[Signature
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ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MARYLAND, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC,a Delaware limited liability companyADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC, a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC,a Delaware limited liability companyADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC., a Delaware corporation


[Signature
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ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC., a Delaware corporationADVANCE AMERICA SERVICING OF GEORGIA, INC., a Delaware corporationMCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C., a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF ARKANSAS, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF COLORADO, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF INDIANA, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF IOWA, L.L.C., a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF KANSAS, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF NEBRASKA, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C., a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF OHIO, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF OREGON, LLC, a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C., a Tennessee limited liability companyMCKENZIE CHECK ADVANCE OF WISCONSIN, LLC, a Tennessee limited liability companyBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and President


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NCA OF MISSOURI, INC., a Delaware corporationNCAS OF DELAWARE, LLC, a Delaware limited liability companyNCAS OF NEW JERSEY, LLC, a Delaware limited liability companyAA CHALLENGER, LLC, a Delaware limited liability companyAA AIR, LLC, a Delaware limited liability companyADVANCE AMERICA MONEY.COM, INC., a Delaware corporationACSO OF MICHIGAN, INC., a Delaware corporationNCA OF LOUISIANA, LLC, a Delaware limited liability companyAA CANADA HOLDINGS, INC., a Delaware corporationADVANCE AMERICA, CASH ADVANCE CENTERS OF PUERTO RICO, INC., a Delaware corporationADVANCE AMERICA INDUSTRIAL LOAN SERVICES OF GEORGIA, INC., a Delaware corporationADVANCE AMERICA SMALL LOANS OF OHIO, INC., a Delaware corporatioBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and PresidentACSO OF TEXAS, L.P., a Texas limited partnershipADVANCE AMERICA SERVICING OF TEXAS, L.P., a Texas limited partnershipBy:

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,
a Delaware corporation and its general partnerBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and PresidentW.P.S. SYSTEMS, LTD. OF NEW ENGLAND, a Rhode Island corporationBy:

ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,
a Delaware corporationBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Chief Executive Officer and PresidentACSO OF ARIZONA, INC., a Delaware corporationADVANCE AMERICA, REVOLVING CREDIT OF VIRGINIA, INC., a Delaware corporationBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

PresidentADVANCE AMERICA SMALL LOANS OF OHIO, INC., a Delaware corporatiojMCKENZIE SMALL LOANS OF OHIO, INC., a Delaware corporationBy:

/s/ Kenneth E. ComptonName:

Kenneth E. ComptonTitle:

Secretary


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ADMINISTRATIVE AGENT: BANK OF AMERICA, N.A., as Administrative AgentBy:

/s/ Anne ZeschkeName:

Anne ZeschkeTitle:

Vice PresidentLENDERS:

BANK OF AMERICA, N.A.,as a Lender, L/C Issuer and Swingline LenderBy:

/s/ Scott K. MitchellName:

Scott K. MitchellTitle:

Senior Vice PresidentWELLS FARGO BANK NATIONAL ASSOCIATIONBy:

/s/ David S. SampsonName:

David S. SampsonTitle:

Senior Vice PrsidentUS BANK NATIONAL ASSOCIATIONBy:

/s/ Kari NiermannName:

Kari NiermannTitle:

Assistant Vice PresidentPNC BANK, NATIONAL ASSOCIATIONBy:

/s/ Karla VehresName:

Karla VehresTitle:

Senior Vice PresidentUNION BANK, N.A.By:

/s/ Justin BrauerName:

Justin BrauerTitle:

Vice PresidentNATIONAL BANK OF SOUTH CAROLINABy:

/s/ Fred G. WilliamsName:

Fred G. WilliamsTitle:

Senior Vice President


[Signature
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BRANCH BANKING AND TRUST COMPANYBy:

/s/ Stan ParkerName:

Stan ParkerTitle:

Senior Vice PresidentTD BANK, N.A.By:

Kevin N. ShortName:

Kevin N. ShortTitle:

Senior Vice PresidentBANK OF OKLAHOMA, N.A.By:

/s/ Ryan K. MorrisName:

Ryan K. MorrisTitle:

Vice Prsident


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