EX-10.3



 Exhibit 10.3 
 FIRST AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
 THIS FIRST AMENDMENT TO
STANDBY LETTER OF CREDIT AGREEMENT (this “Amendment”), dated as of May 10, 2013, is by and among CASH AMERICA INTERNATIONAL, INC., a Texas corporation (the “Applicant”), the guarantors party hereto (the
“Guarantors”) and WELLS FARGO BANK, NATIONAL ASSOCIATION (“Wells Fargo”). 
 W I T N E S S E T
H: 
 WHEREAS, the Applicant, the Guarantors and Wells Fargo are parties to that certain Standby Letter of Credit
Agreement (as amended, modified, extended, restated, replaced, or supplemented from time to time, the “Agreement”), dated as of March 30, 2011. Capitalized terms used herein and not otherwise defined herein shall have the
meanings ascribed thereto in the Agreement. 
 WHEREAS, the Applicant has requested that Wells Fargo extend the Maturity
Date of the Agreement; and 
 WHEREAS, Wells Fargo is willing to make such amendment to the Agreement, in accordance with
and subject to the terms and conditions set forth herein. 
 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: 
 Section 1. Definition of “Maturity Date”. The definition of “Maturity Date” set forth in Section 1 of the Agreement is hereby amended and restated in its entirety to
read as follows: 
 “Maturity Date” shall mean March 31, 2018. 

Section 2. Miscellaneous Provisions. 
 (a) Effect of Amendment. Except as set forth expressly hereinabove, all terms of the Agreement shall be and remain in full force and effect, and shall constitute the legal, valid and binding and
enforceable obligations of the Applicant. 
 (b) Ratification. The Applicant and each Guarantor hereby restates, ratifies
and reaffirms each and every term, covenant and condition set forth in the Agreement effective as of the date hereof. 
 (c)
Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed to be an original and all of which counterparts,
taken together, shall constitute but one and the same instrument. 
 (d) Governing Law. This Amendment shall be governed
by and be construed in accordance with the laws of the State of Texas. 
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]








 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed and delivered by their duly authorized officers as of the date first above written. 

 

			
	WELLS FARGO BANK, NATIONAL ASSOCIATION
		
	By:	 	 /s/ Jeffrey D. Bundy

	Name:	 	Jeffrey D. Bundy
	Title:	 	Vice President










 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  


											
		 		 	CASH AMERICA INTERNATIONAL, INC.,
		 		 	a Texas corporation
				
		 		 	By:	 	 /s/ Austin D. Nettle

		 		 		 	Name:	 	Austin D. Nettle
		 		 		 	Title:	 	Vice President and Assistant Treasurer
			
	GUARANTORS:	 		 	ENOVA INTERNATIONAL, INC.
				
		 		 	By:	 	 /s/ Austin D. Nettle

		 		 		 	Name:	 	Austin D. Nettle
		 		 		 	Title:	 	Vice President and Assistant Treasurer
			
		 		 	CASH AMERICA MANAGEMENT L.P.
		 		 	CASH AMERICA PAWN L.P.
				
		 		 	By:	 	Cash America Holding, Inc.
		 		 		 	The General Partner of each of the foregoing entities
					
		 		 		 	By:	 	 /s/ Austin D. Nettle

		 		 		 		 	Name:	 	Austin D. Nettle
		 		 		 		 	Title:	 	Vice President and Treasurer
			
		 		 	OHIO NEIGHBORHOOD CREDIT SOLUTIONS, LLC
				
		 		 	By:	 	Ohio Neighborhood Finance, Inc.,
		 		 		 	Its sole member
					
		 		 		 	By:	 	 /s/ Austin D. Nettle

		 		 		 		 	Name:	 	Austin D. Nettle
		 		 		 		 	Title:	 	Vice President and Treasurer


  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  


					
	 CNU ONLINE HOLDINGS, LLC
 DEBIT PLUS, LLC
 BILLERS ACCEPTANCE GROUP

DP LABOR HOLDINGS, LLC
 PF LABOR
HOLDINGS, LLC

		
	By:	 	 /s/ Austin D. Nettle

		 	Name:	 	Austin D. Nettle
		 	Title:	 	Vice President and Treasurer
	
	 BRONCO PAWN & GUN, INC.
 CASH AMERICA ADVANCE, INC.
 CASH AMERICA FINANCIAL SERVICES, INC.

CASH AMERICA FRANCHISING, INC.
 CASH
AMERICA GLOBAL FINANCING, INC.
 CASH AMERICA GLOBAL SERVICES, INC.
 CASH AMERICA HOLDING, INC.
 CASH AMERICA, INC.

CASH AMERICA, INC. OF ALABAMA
 CASH
AMERICA, INC. OF ALASKA
 CASH AMERICA, INC. OF COLORADO
 CASH AMERICA, INC. OF ILLINOIS
 CASH AMERICA, INC. OF INDIANA

CASH AMERICA, INC. OF KENTUCKY
 CASH
AMERICA, INC. OF LOUISIANA
 CASH AMERICA OF MISSOURI, INC.
 CASH AMERICA, INC. OF NEVADA
 CASH AMERICA, INC. OF NORTH CAROLINA

CASH AMERICA, INC. OF OKLAHOMA
 CASH
AMERICA, INC. OF SOUTH CAROLINA
 CASH AMERICA, INC. OF TENNESSEE
 CASH AMERICA, INC. OF UTAH
 CASH AMERICA, INC. OF VIRGINIA

CASH AMERICA INTERNET SALES, INC.
 CASH
AMERICA OF MEXICO, INC.
 CASH AMERICA PAWN, INC. OF OHIO
 CASHLAND FINANCIAL SERVICES, INC.
 CNU DOLLARSDIRECT INC.




  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  

 
					
	 CNU DOLLARSDIRECT LENDING INC.
 DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.
 ENOVA ONLINE SERVICES,
INC.
 EXPRESS CASH INTERNATIONAL CORPORATION
 FLORIDA CASH AMERICA, INC.
 GAMECOCK PAWN & GUN, INC.

GEORGIA CASH AMERICA, INC.
 HORNET
PAWN & GUN, INC.
 LONGHORN PAWN AND GUN, INC.
 MOBILE LEASING GROUP, INC.
 MR. PAYROLL CORPORATION

OHIO NEIGHBORHOOD FINANCE, INC.
 RATI
HOLDING, INC.
 TIGER PAWN & GUN, INC.
 UPTOWN CITY PAWNERS, INC.
 VINCENT’S JEWELERS AND LOAN,
INC.

		
	By:	 	 /s/ Austin D. Nettle

		 	Name:	 	Austin D. Nettle
		 	Title:	 	Vice President and Treasurer



  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  


	
	 CNU OF ALABAMA, LLC

CNU OF ALASKA, LLC
 CNU OF ARIZONA,
LLC
 CNU OF CALIFORNIA, LLC

CNU OF COLORADO, LLC
 CNU OF DELAWARE,
LLC
 CNU OF FLORIDA, LLC

CASHNETUSA OF FLORIDA, LLC
 CNU OF
HAWAII, LLC
 CNU OF IDAHO, LLC
 CNU OF ILLINOIS, LLC
 CNU OF INDIANA, LLC

CNU OF KANSAS, LLC
 CNU OF LOUISIANA,
LLC
 CNU OF MAINE, LLC

CASHNET CSO OF MARYLAND, LLC
 CNU OF
MICHIGAN, LLC
 CNU OF MINNESOTA, LLC
 CNU OF MISSISSIPPI, LLC
 CNU OF MISSOURI, LLC

CNU OF MONTANA, LLC
 CNU OF NEVADA,
LLC
 CNU OF NEW HAMPSHIRE, LLC
 CNU OF NEW MEXICO, LLC
 CNU OF NORTH DAKOTA, LLC

CNU OF OHIO, LLC
 OHIO CONSUMER
FINANCIAL SOLUTIONS, LLC
 CNU OF OKLAHOMA, LLC
 CNU OF OREGON, LLC
 CNU OF RHODE ISLAND, LLC

CNU OF SOUTH CAROLINA, LLC
 CNU OF
SOUTH DAKOTA, LLC
 CNU OF TENNESSEE, LLC
 CNU OF TEXAS, LLC
 CNU OF UTAH, LLC

CNU OF VIRGINIA, LLC
 CNU OF
WASHINGTON, LLC
 CNU OF WISCONSIN, LLC
 CNU OF WYOMING, LLC




  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  

  

							
	 DOLLARSDIRECT, LLC
 CASHEURONET UK, LLC
 EURONETCASH, LLC

ENOVA BRAZIL, LLC

		
	By:	 	CNU Online Holdings, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer
	
	 CNU TECHNOLOGIES OF ALABAMA, LLC
 CNU TECHNOLOGIES OF ARIZONA, LLC
 CNU TECHNOLOGIES OF CALIFORNIA, LLC

CNU TECHNOLOGIES OF IOWA, LLC
 CNU
TECHNOLOGIES OF NEW MEXICO, LLC
 CNU TECHNOLOGIES OF SOUTH CAROLINA, LLC
 CNU TECHNOLOGIES OF WISCONSIN, LLC
 TRAFFICGEN, LLC

AEL NET MARKETING, LLC
 AEL NET OF
ILLINOIS, LLC
 AEL NET OF MISSOURI, LLC
 NC FINANCIAL SOLUTIONS, LLC



  

							
	By:	 	CNU Online Holdings, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer
	
	 NC FINANCIAL SOLUTIONS OF ALABAMA, LLC
 NC FINANCIAL SOLUTIONS OF ARIZONA, LLC
 NC FINANCIAL SOLUTIONS OF CALIFORNIA,
LLC
 NC FINANCIAL SOLUTIONS OF COLORADO, LLC
 NC FINANCIAL SOLUTIONS OF DELAWARE, LLC
 NC FINANCIAL SOLUTIONS OF GEORGIA,
LLC




  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  

 
							
	 NC FINANCIAL SOLUTIONS OF IDAHO, LLC
 NC FINANCIAL SOLUTIONS OF ILLINOIS, LLC
 NC FINANCIAL SOLUTIONS OF KANSAS,
LLC
 NC FINANCIAL SOLUTIONS OF MARYLAND, LLC
 NC FINANCIAL SOLUTIONS OF MISSISSIPPI, LLC
 NC FINANCIAL SOLUTIONS OF MISSOURI,
LLC
 NC FINANCIAL SOLUTIONS OF NEVADA, LLC
 NC FINANCIAL SOLUTIONS OF NEW MEXICO, LLC
 NC FINANCIAL SOLUTIONS OF NORTH DAKOTA,
LLC
 NC FINANCIAL SOLUTIONS OF OHIO, LLC
 NC FINANCIAL SOLUTIONS OF SOUTH CAROLINA, LLC
 NC FINANCIAL SOLUTIONS OF SOUTH DAKOTA,
LLC
 NC FINANCIAL SOLUTIONS OF TENNESSEE, LLC
 NC FINANCIAL SOLUTIONS OF TEXAS, LLC
 NC FINANCIAL SOLUTIONS OF UTAH, LLC

NC FINANCIAL SOLUTIONS OF VIRGINIA, LLC

NC FINANCIAL SOLUTIONS OF WISCONSIN, LLC

		
	By:	 	NC Financial Solutions, LLC
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer


  

									
	 CASHNETUSA CO LLC
 CASHNETUSA OR LLC
 THE CHECK GIANT NM LLC

		
	By:	 	CNU of New Mexico, LLC,
		 	Manager of each of the foregoing entities
			
		 	By:	 	CNU Online Holdings, LLC
		 		 	Its sole member
				
		 		 	By:	 	 /s/ Austin D. Nettle

		 		 		 	Name:	 	Austin D. Nettle
		 		 		 	Title:	 	Vice President and Treasurer



  









 CASH AMERICA INTERNATIONAL, INC. 

AMENDMENT TO STANDBY LETTER OF CREDIT AGREEMENT 
  


							
	 DEBIT PLUS TECHNOLOGIES, LLC
 DEBIT PLUS SERVICES, LLC
 DEBIT PLUS PAYMENT SOLUTIONS, LLC

		
	By:	 	Debit Plus, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer


  

							
	STRATEGIC RECEIVABLE MANAGEMENT SOLUTIONS, LLC
		
	By:	 	 /s/ J/ Curtis Linscott

		 	Name:	 	J. Curtis Linscott
		 	Title:	 	Manager
	
	ENOVA FINANCIAL HOLDINGS, LLC
		
	By:	 	 /s/ Austin D. Nettle

		 	Name:	 	Austin D. Nettle
		 	Title:	 	Vice President and Treasurer
	
	CAMEX HOLDING, LLC
		
	By:	 	Cash America of Mexico, Inc.,
		 	Its sole member
			
		 	By:	 	 /s/ Austin D. Nettle

		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer