Document:

EX-4.2

 Exhibit 4.2 

[Form of Note] 
 (FACE
OF NOTE) 
 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITORY
OR A NOMINEE OF A DEPOSITORY. UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR SECURITIES IN DEFINITIVE FORM IN ACCORDANCE WITH THE PROVISIONS OF THE INDENTURE AND THE TERMS OF THE SECURITIES, THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED
EXCEPT AS A WHOLE BY THE DEPOSITORY TO A NOMINEE OF THE DEPOSITORY OR BY A NOMINEE OF THE DEPOSITORY TO THE DEPOSITORY OR ANOTHER NOMINEE OF THE DEPOSITORY OR BY THE DEPOSITORY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITORY OR A NOMINEE OF SUCH
SUCCESSOR DEPOSITORY. 
 AT&T INC. 

3.500% Global Notes due 2025 

ISIN NO. [—] 

No. [—] 

AT&T Inc., a corporation duly organized and existing under the laws of the State of Delaware (herein called “AT&T”, which
term includes any successor Person under the Indenture hereinafter referred to), for value received, hereby promises to pay to The Bank of New York Depository (Nominees) Limited (the “Depository”), or registered assigns, the principal sum
of euro appearing on the attached Schedule of Increases and Decreases on December 17, 2025 (the “Maturity Date”), and to pay interest on said principal sum from November 13, 2013 or from the most recent Interest Payment Date to
which interest has been paid or duly provided for, annually in arrears on December 17 in each year, commencing on December 17, 2014 (each an “Interest Payment Date”) and on the Maturity Date, at the interest rate of
3.500% per annum, until the principal hereof is paid or made available for payment. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in such Indenture, be paid to the Person in
whose name this Note (or one or more Predecessor Notes) is registered at the close of business on the Regular Record Date for such interest, which shall be the close of business on December 1 (the “Regular Record Date”) next preceding
such Interest Payment Date. Any such interest not so punctually paid or duly provided for will forthwith cease to be payable to the Holder on such Regular Record Date and may either be paid to the Person in whose name this Note (or one or more
Predecessor Notes) is registered at the close of business on a Special Record Date for the payment of such Defaulted Interest to be fixed by the Trustee, notice whereof shall be given to Holders of Notes not less than 15 days prior to such Special
Record Date, or be paid at any time in any other lawful manner not inconsistent with the requirements of any securities exchange on which the Notes may be listed, and upon such notice as may be required by such exchange, all as more fully provided
in said Indenture. 

 Any money that AT&T deposits with the Trustee or any Paying Agent for the payment of
principal or any interest on this Note that remains unclaimed for two years after the date upon which the principal and interest are due and payable, will be repaid to AT&T upon AT&T’s request unless otherwise required by mandatory
provisions of any applicable unclaimed property law. After that time, unless otherwise required by mandatory provisions of any unclaimed property law, the Holder of this Note will be able to seek any payment to which such Holder may be entitled to
collect only from AT&T. 
 If the Notes are issued in definitive form, payment of the principal and interest on this Note due at the
Maturity Date or upon redemption will be made at the Maturity Date or upon redemption, as the case may be, upon presentation of this Note, in immediately available funds, at the office of The Bank of New York Mellon Trust Company, N.A., the
Paying Agent for the Notes, currently located at One Canada Square, London E14 5AL. The Transfer Agent and Registrar for the Notes is The Bank of New York Mellon Trust Company, N.A., currently located at 601 Travis Street, 16th Floor, Houston, Texas 77002. 
 Payment of interest on this Note due on an Interest
Payment Date, other than interest at maturity or upon redemption, may be paid by check mailed to the address of the Holder entitled thereto as such address shall appear in the Note register. Notwithstanding the foregoing, (1) the Depository as
Holder of the Notes or (2) a Holder of more than €5,000,000 in aggregate principal amount of Notes in definitive form is entitled to require the Paying Agent to make payments of interest, other than interest due at maturity or upon
redemption, by wire transfer of immediately available funds into an account maintained by the Holder, by sending appropriate wire transfer instructions as long as the Paying Agent receives the instructions not less than ten days prior to the
applicable Interest Payment Date. The principal and interest payable in euro on any of the Notes at maturity, or upon redemption, will be paid by wire transfer of immediately available funds against presentation of a Note at the office of the Paying
Agent. 
 Reference is hereby made to the further provisions of this Note set forth on the reverse hereof, which further provisions shall
for all purposes have the same effect as if set forth at this place. 
 Unless the certificate of authentication hereon has been
executed by the Trustee referred to on the reverse hereof by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 

  
 2 

 IN WITNESS WHEREOF, AT&T INC. has caused this instrument to be signed in its corporate name,
manually or by facsimile, by its duly authorized officers and has caused its corporate seal to be imprinted hereon. 
  

					
	 Dated: November 13, 2013
	 	AT&T INC.
			
	 [SEAL]
	 		 	
		 	By:	 	 
		 		 	John J. Stephens
		 		 	Senior Executive Vice President and Chief Financial Officer
			
		 	By:	 	 
		 		 	Jonathan P. Klug
		 		 	Senior Vice President and Treasurer

  
 3 

							
	 Trustee’s Certificate of Authentication

	
	 This is one of the 3.500% Global Notes due 2025

of the series designated herein referred to

in the within-mentioned Indenture.

	
	 THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A.,as Trustee

				
	 By:
	  	 	  		  	Dated: November 13, 2013
		  	Authorized Signatory	  		  	

  
 4 

 REVERSE OF NOTE 

This Note is one of a duly authorized issue of debt securities of AT&T issued under and pursuant to an Indenture, dated as of May 15,
2013, between AT&T and The Bank of New York Mellon Trust Company, N.A., as Trustee (the “Trustee,” which term includes any successor Trustee under the Indenture), to which indenture and all indentures supplemental thereto
(collectively, the “Indenture”) reference is hereby made for a description of the rights, limitations of rights, obligations, duties and immunities thereunder of the Trustee, AT&T and the Holders of the Notes and of the terms upon
which the Notes are, and are to be, authenticated and delivered. The Notes will be issued in fully registered form only and in denominations of €100,000 and integral multiples of €1,000 in excess thereof. This Note is one of the series
designated on the face hereof initially limited in aggregate principal amount to €1,000,000,000. 
 The Indenture permits, with certain
exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of AT&T and the rights of the Holders of the Notes under the Indenture at any time by AT&T and the Trustee with the consent of the
Holders of a majority in principal amount of the Notes at the time outstanding. The Indenture also contains provisions permitting the Holders of specified percentages in principal amount of the Notes at the time outstanding to waive compliance by
AT&T with certain provisions of the Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such Holder and upon all future
Holders of this Note and of any Note issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note. 

No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of AT&T, which
is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency, herein prescribed. 

Principal and interest payments in respect of the Notes are payable by AT&T in euro. Interest will be computed on the basis of the actual
number of days in the period for which interest is being calculated and the actual number of days from and including the last date on which interest was paid on the Notes (or November 13, 2013 if no interest has been paid on the Notes), to but
excluding the next scheduled interest payment date. This payment convention is referred to as ACTUAL/ACTUAL (ICMA) as defined in the rulebook of the International Capital Market Association. 

Payment Without Withholding 

All payments in respect of the Notes by or on behalf of AT&T shall be made without withholding or deduction for, or on account of, any
present or future taxes, duties, assessments or governmental charges of whatever nature (“Taxes”) imposed, collected, withheld, assessed or levied by or on behalf of the Relevant Jurisdiction (as defined herein), unless the withholding or

  
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deduction of the Taxes is required by law. In that event, AT&T will pay such additional amounts to a Holder who is a United States Alien (as defined herein) as may be necessary in order that
the net amounts received by the Holder after the withholding or deduction shall equal the respective amounts which would have been receivable in respect of the Notes in the absence of the withholding or deduction; except that no such additional
amounts shall be payable in relation to any payment in respect of any Note: 
 (a) where such withholding or deduction would not have been so
imposed but for: 
 (i) in the case of payment by AT&T, the existence of any present or former connection between the Holder (or between
a fiduciary, settlor, shareholder, beneficiary or member of the Holder, if such Holder is an estate, a trust, a corporation or a partnership) and the United States, including, without limitation, such Holder (or such fiduciary, settlor, shareholder,
beneficiary or member) being or having been a citizen or resident or treated as a resident thereof, or being or having been engaged in trade or business or presence therein, or having or having had a permanent establishment therein; 

(ii) in the case of payment by AT&T, the present or former status of the Holder as a personal holding company, a foreign personal holding
company, a passive foreign investment company, or a controlled foreign corporation for United States federal income tax purposes or a corporation which accumulates earnings to avoid United States federal income tax; 

(iii) in the case of payment by AT&T, the past or present or future status of the Holder as the actual or constructive owner of 10% or more
of either the total combined voting power of all classes of stock of AT&T entitled to vote if AT&T was treated as a corporation, or the capital or profits interest in AT&T, if AT&T is treated as a partnership for United States
federal income tax purposes or as a bank receiving interest described in Section 881(c) (3) (A) of the Internal Revenue Code of 1986, as amended; or 

(iv) the failure by the Holder to comply with any certification, identification or other reporting requirements concerning the nationality,
residence, identity or connection with the United States (in the case of payment by AT&T) of such Holder, if compliance is required by statute or by regulation as a precondition to exemption from such withholding or deduction; 

(b) in the case of payment by AT&T to any United States Alien, if such person is a fiduciary or partnership or other than the sole
beneficial owner of any such payment, to the extent that a beneficiary or settlor with respect to such fiduciary, a member of such partnership or the beneficial owner would not have been entitled to the additional amounts had such beneficiary,
settlor, member or beneficial owner been the bearer of such Note. As used herein, “United States Alien” means any person who, for United 

  
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States federal income tax purposes, is a foreign corporation, a non-resident alien individual, a non-resident alien fiduciary of a foreign estate or trust, or a foreign partnership one or more of
the members of which is, for United States federal income tax purposes, a foreign corporation, a non-resident alien individual or a non-resident alien fiduciary of a foreign estate or trust; 

(c) to the extent that the withholding or deduction is as a result of the imposition of any gift, inheritance, estate, sales, transfer,
personal property or any similar tax, assessment or other governmental charge; 
 (d) to, or to a third party on behalf of, a Holder who is
liable for the Taxes in respect of the Note by reason of his having any or some present or former connection, including but not limited to fiscal residency, fiscal deemed residency and substantial interest shareholdings, with the Relevant
Jurisdiction, other than the mere holding of the Note; 
 (e) presented for payment more than 30 days after the Relevant Date except to the
extent that a Holder would have been entitled to additional amounts on presenting the relevant Note for payment on the last day of the period of 30 days assuming that day to have been an Interest Payment Date; 

(f) any tax, assessment or other governmental charge required to be withheld by any paying agent from any payment of principal or of interest
on any Note, if such payment can be made without withholding by any other paying agent; 
 (g) any tax, assessment or governmental charge
that is imposed or withheld solely because the beneficial owner or any other person failed to comply with certification, identification or information reporting requirements concerning the nationality, residence, identity or connection with the
United States of the holder or beneficial owner of AT&T’s Notes, if compliance is required by statute, by regulation of the United States Treasury Department or by an applicable income tax treaty to which the United States is a party as a
precondition to exemption from such tax, assessment or other governmental charge; 
 (h) any tax, assessment or governmental charge that is
imposed or withheld solely because of a change in law, regulation, or administrative or judicial interpretation that becomes effective after the day on which the payment becomes due or is duly provided for, whichever occurs later; or 

(i) any combination of (a), (b), (c), (d), (e), (f), (g) or (h) immediately above. 

Optional Redemption by AT&T 

At any time prior to September 17, 2025, the Notes will be redeemable, as a whole or in part, at AT&T’s option, at any time and
from time to time on at least 30 days’, but not more than 60 days’, prior notice mailed to the registered address of each Holder of the Notes. The 

  
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redemption price will be equal to the greater of (1) 100% of the principal amount of the Notes to be redeemed or (2) the sum of the present values of the Remaining Scheduled Payments
discounted to the redemption date, on an annual basis (ACTUAL/ACTUAL (ICMA)), at a rate equal to the Treasury Rate and 30 basis points. In either case, accrued interest will be payable to the redemption date. Any time on or after
September 17, 2025, the Notes will be redeemable, as a whole or in part, at AT&T’s option, at any time on at least 30 days’, but not more than 60 days’, prior notice mailed to the registered address of each Holder
of the Notes at a redemption price equal to 100% of the principal amount of the Notes to be redeemed. Accrued interest will be payable to the redemption date. 

“Treasury Rate” means the price, expressed as a percentage (rounded to three decimal places, 0.0005 being rounded upwards), at which
the gross redemption yield on the Notes, if they were to be purchased at such price on the third dealing day prior to the date fixed for redemption, would be equal to the gross redemption yield on such dealing day of the Reference Bond on the basis
of the middle market price of the Reference Bond prevailing at 11:00 a.m. (London time) on such dealing day as determined by AT&T or an investment bank appointed by AT&T. 

“Reference Bond” means, in relation to any Treasury Rate calculation, a German government bond whose maturity is closest to the
maturity of the Notes, or if AT&T or an investment bank appointed by AT&T considers that such similar bond is not in issue, such other German government bond as AT&T or an investment bank appointed by AT&T may, with the advice of
three brokers of, and/or market makers in, German government bonds selected by AT&T or an investment bank appointed by AT&T, determine to be appropriate for determining the Treasury Rate. 

“Remaining Scheduled Payments” means, with respect to each Note to be redeemed, the remaining scheduled payments of principal of and
interest on the Note that would be due after the related redemption date but for the redemption. If that redemption date is not an interest payment date with respect to a Note, the amount of the next succeeding scheduled interest payment on the Note
will be reduced by the amount of interest accrued on the Note to the redemption date. 
 On and after the redemption date, interest will
cease to accrue on the Notes or any portion of the Notes called for redemption, unless AT&T defaults in the payment of the redemption price and accrued interest. On or before the redemption date, AT&T will deposit with a Paying Agent or the
Trustee money sufficient to pay the redemption price of and accrued interest on the Notes to be redeemed on that date. If less than all of the Notes of any series are to be redeemed, the Notes to be redeemed shall be selected by the Trustee by lot
or by such other method as the Trustee in its sole discretion deems to be fair and appropriate. 

  
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 Redemption for Taxation Reasons 

If (a) as a result of any change in, or amendment to, the laws or regulations of a Relevant Jurisdiction, or any change in the official
interpretation of the laws or regulations of a Relevant Jurisdiction, which change or amendment becomes effective after November 5, 2013, on the next Interest Payment Date AT&T would be required to pay additional amounts as provided or
referred to above under “Payment Without Withholding” and (b) the requirement cannot be avoided by AT&T’s taking reasonable measures available to it, AT&T may at its option, having given not less than 30 nor more than 60
calendar days’ notice to the Holders (which notice shall be irrevocable), redeem all, but not a portion of, the Notes at any time at their principal amount together with interest accrued to, but excluding, the date of redemption provided that
no such notice of redemption shall be given earlier than 90 days prior to the earliest date on which AT&T would be obliged to pay such additional amounts were a payment in respect of the Notes then due. Prior to the publication of any notice of
redemption pursuant to this paragraph, AT&T shall deliver to the Trustee a certificate signed by two executive officers of AT&T stating that the requirement referred to in (a) above will apply on the next Interest Payment Date and
setting forth a statement of facts showing that the conditions precedent to the right of AT&T so to redeem have occurred, cannot be avoided by AT&T taking reasonable measures available to it and an opinion of independent legal advisers of
recognized international standing to the effect that AT&T has or will become obliged to pay such additional amounts as a result of the change or amendment, in each case to be held by the Trustee and made available for viewing at the offices of
the Trustee on request by any Holder. 
 “Relevant Date” means the date on which the payment first becomes due but, if the full
amount of the money payable has not been received by the Trustee on or before the due date, it means the date which is seven days after the date on which, the full amount of the money having been so received, notice to that effect shall have been
duly given to the Holders by AT&T. 
 “Relevant Jurisdiction” means the State of Delaware and the United States or any
political subdivision or any authority thereof or therein having power to tax or any other jurisdiction or any political subdivision or any authority thereof or therein having power to tax to which AT&T becomes subject in respect of payments
made by it of principal and interest on the Notes. 
 Any reference in the terms of the Notes to any amounts in respect of the Notes shall
be deemed also to refer to any additional amounts which may be payable herein. 
 Registrar and Paying Agent 

The Paying Agent for the Notes is The Bank of New York Mellon (London Branch) currently located at One Canada Square, London E14 5AL
(“Paying Agent”). In addition, AT&T shall maintain in the Borough of Manhattan, The City of New York, an office or agency where Notes may be surrendered for registration of transfer or exchange (“Registrar”). AT&T has
initially appointed an affiliate of the Trustee, The Bank of New York Mellon (London Branch), as its Paying Agent. AT&T may vary or terminate the appointment of any of its paying or transfer agencies, and may appoint additional paying or
transfer agencies. 

  
 9 

 Further Issues 

AT&T reserves the right from time to time, without notice to or the consent of the Holders of the Notes, to create and issue further notes
ranking equally and ratably with the Notes in all respects, or in all respects except for the payment of interest accruing prior to the issue date or except for the first payment of interest following the issue date of those further notes. Any
further notes will have the same terms as to status, redemption or otherwise as the Notes. Any further notes shall be issued pursuant to a resolution of the board of directors of AT&T, a supplement to the Indenture, or under an officers’
certificate pursuant to the Indenture. 
 Notes in Definitive Form 

If (1) an Event of Default has occurred with regard to the Notes represented by this Note and has not been cured or waived in accordance
with the Indenture, or (2) the Depository is at any time unwilling or unable to continue as depository and a successor depository is not appointed by AT&T within 90 days, AT&T may issue notes in definitive form in exchange for this
Note. In either instance, an owner of a beneficial interest in the Notes will be entitled to the physical delivery in definitive form in exchange for this Note, equal in principal amount to such beneficial interest and to have such Notes registered
in its name. 
 Notes so issued in definitive form will be issued as registered notes in minimum denominations of €100,000 and integral
multiples of €1,000, unless otherwise specified by AT&T. 
 Notes so issued in definitive form may be transferred by presentation
for registration to the Registrar at its New York office and must be duly endorsed by the Holder or the Holder’s attorney duly authorized in writing, or accompanied by a written instrument or instruments of transfer in form satisfactory to
AT&T or the Trustee duly executed by the Holder or his attorney duly authorized in writing. 
 AT&T may require payment of a sum
sufficient to cover any tax or other governmental charge that may be imposed in connection with any exchange or registration of transfer of definitive Notes. 

Default 
 In case an Event
of Default, as defined in the Indenture, shall have occurred and be continuing, the principal hereof may be declared, and upon such declaration shall become, due and payable, in the manner, with the effect and subject to the conditions provided in
the Indenture. 

  
 10 

 Miscellaneous 

For purposes of the Notes, the term “Business Day” means any day other than a Saturday or Sunday or a day on which banking
institutions in The City of New York or the City of London are authorized or required by law or executive order to close. 
 No director,
officer, employee or stockholder, as such, of AT&T shall have any liability for any obligations of AT&T under this Note, the Indenture or for any claim based on, in respect of or by reason of such obligations or their creation. Each Holder
by accepting this Note waives and releases all such liability. The waiver and release are part of the consideration for the issue of this Note. 

The Notes are the unsecured and unsubordinated obligations of AT&T and will rank pari passu with all other evidences of
indebtedness issued in accordance with the Indenture. 
 Prior to due presentment of this Note for registration of transfer, AT&T, the
Trustee and any agent of AT&T or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note be overdue, and neither AT&T, the Trustee nor any such agent shall be
affected by notice to the contrary. 
 All terms used in this Note which are defined in the Indenture shall have the meanings assigned to
them in the Indenture. 
 The Indenture and this Note shall be governed by and construed in accordance with the laws of the State of New
York. 

  
 11 

 SCHEDULE OF INCREASES OR DECREASES 

The initial principal amount of this Global Note is €1,000,000,000. The following increases or decreases in this Global Note have been
made: 
  

									
	 Date of

Exchange
	  	Amount of
decrease in
Principal
Amount of this
Global Note	  	Amount of
increase in
Principal
Amount of this
Global Note	  	Principal amount
of this Global
Note following
such decrease or
increase	  	Signature of
authorized
signatory of
Trustee or
Securities
Custodian

  
 12EX-10.1

 Exhibit 10.1 

THIRD AMENDMENT AGREEMENT 

among 
 QC HOLDINGS,
INC., as Borrower 
 and 

THE LENDERS THAT ARE PARTIES HERETO 

and 
 U.S. BANK NATIONAL
ASSOCIATION, as Agent and Arranger 
 NOVEMBER 12, 2013 

 THIRD AMENDMENT AGREEMENT 

This Third Amendment Agreement (this “Agreement”), is made and entered into as of November 12, 2013, by and between QC
HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U. S. BANK NATIONAL
ASSOCIATION, in its capacity as Agent (the “Agent”). 
 RECITALS 

A. On September 30, 2011, the Borrower, the Lenders and the Agent entered into a Second Amended and Restated Credit Agreement (as amended, the
“Credit Agreement”) pursuant to which the Lenders agreed to make certain revolving and term credit facilities available to the Borrower, and in conjunction therewith, the Borrower executed (i) a Promissory Note (Revolving Loan) dated
September 30, 2011, payable to each Revolving Lender, (ii) a Promissory Note (Swingline Loan) dated September 30, 2011, payable to the Swingline Lender and (iii) a Promissory Note (Term Loan) dated September 30, 2011,
payable to each of the then Term Loan Lenders. The Borrower has previously repaid the Term Loans referenced in this Section A in full, and there are no further term loan commitments under the Credit Agreement prior to the date of this Agreement. The
Revolving Loan Notes and the Swingline Note referenced in this Section A are collectively referred to herein as the “Notes”. 
 B. The repayment
of the Notes is secured by certain assets of the Borrower and its Subsidiaries referred to as the “Collateral” in the Credit Agreement, which is more particularly described in the Security Agreement, the Pledge Agreement and the Subsidiary
Security Agreement (as each term is defined in the Credit Agreement) (collectively, the “Security Instruments”). 
 C. The Borrower, the Lenders
party thereto, and the Agent have previously entered into that certain First Amendment Agreement dated as of November 7, 2012, to amend certain terms and conditions of the Credit Agreement and to provide the consent of the Lenders to the sale
of the Borrower’s loans arising out of the auto loan finance business. 
 D. The Borrower, the Lenders party thereto, and the Agent have previously
entered into that certain Second Amendment Agreement dated as of May 15, 2013, to amend certain terms and conditions of the Credit Agreement. 
 E. The
Borrower acknowledges (i) the Lenders are presently the holders of the Notes, (ii) the Borrower’s liability to pay the Notes according to their terms, and (iii) the Borrower’s obligation to maintain, perform and comply with
the terms and conditions of the Loan Documents (as such term is defined in the Credit Agreement). 
 F. The parties enter into this Agreement (i) to
amend certain terms and conditions of the Credit Agreement, including, without limitation, (A) converting a portion of the current principal balance outstanding under the Revolving Loans to new Term Loans under the Credit Agreement in an
aggregate principal amount of $9,000,000, and (B) a corresponding reduction in the aggregate Revolving Loan Commitment; and (ii) to provide the consent of the Lenders to the sale of certain auto assets and real estate owned by Borrower and
to the repurchase of certain shares of the capital stock of the Borrower. 
 G. Capitalized terms which are not defined herein shall have the meaning such
terms are given in the Credit Agreement. 

  
 1 

 NOW THEREFORE, the Agent, the Lenders and the Borrower for good, sufficient and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, agree as follows: 
 1. Amendment to the Credit
Agreement. The Credit Agreement is hereby amended as follows: 
 (a) The chart set forth in definition of the term
“Applicable Margin” in Section 1.01 of the Credit Agreement is hereby deleted and the following chart is inserted in place thereof: 
  

															
	 	  	 	  	Applicable Margin	 
	 Tier
	  	 Leverage Ratio
	  	Base Rate
Loans	 	 	LIBOR Rate
Loans	 	 	Non-Use
Fee
Percentage	 
	 1
	  	Less than 0.75 to 1	  	 	1.25	% 	 	 	3.25	% 	 	 	0.375	% 
	 2
	  	Greater than or equal to 0.75 to 1 but less than 1.25 to 1	  	 	1.75	% 	 	 	3.75	% 	 	 	0.500	% 
	 3
	  	Greater than or equal to 1.25	  	 	2.25	% 	 	 	4.25	% 	 	 	0.625	% 

 (b) The following definition of the term “Auto Assets” is hereby inserted in
Section 1.01 of the Credit Agreement: 
 “Auto Assets” means those certain assets arising from
Borrower’s auto finance line of business (a.k.a. Auto Start), which include certain receivables, automobile inventory, equipment and real estate. 

(c) The definition of the term “Borrowing Base” in Section 1.01 of the Credit Agreement is hereby deleted in its
entirety and the following definition is inserted in lieu thereof: 
 “Borrowing Base” means the sum of
(i) 100% of Cash Holdings, (ii) 80% of Eligible Loan Receivables, and (iii) 80% of Eligible Factoring Receivables, minus the aggregate principal balance of the Term Loans. 

(d) The following definition of the term “Calculated Payment” is hereby inserted in Section 1.01 of the Credit
Agreement: 
 “Calculated Payment” means the aggregate principal amount of the Term Loans outstanding as of
December 30, 2013 divided by four (4). 
 (e) The definition of the term “Current Maturities of Long-Term
Debt” in Section 1.01 of the Credit Agreement is hereby deleted in its entirety and the following definition is inserted in lieu thereof: 

“Current Maturities of Long-Term Debt” means, as of any determination date, the aggregate amount of principal
payments that were required to be paid during twelve (12) months ending on the determination date on indebtedness (including the principal portion of payments in respect of Capital Leases, but excluding (i) principal payments in respect of
the Revolving Loans, (ii) Mandatory Prepayments with respect to the Term Loans, and, (iii) from and after the date the Terms Loans are paid-in-full, all other principal payments in respect of the Term Loans). 

  
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 (f) The definition of the term “LIBOR Rate” in Section 1.01 of the
Credit Agreement is hereby deleted in its entirety and the following definition is inserted in lieu thereof: 

“LIBOR Rate” means for any LIBOR Rate Loan and each Loan Period, the LIBOR Rate for the applicable Loan Period
quoted by the Agent from Reuters Screen LIBOR01, or any successor thereto (which shall be the LIBOR Rate in effect two (2) Business Days prior to commencement of the advance), adjusted for any reserve requirement and any subsequent costs
arising from a change in government regulation. 
 (g) The definition of the term “Mandatory Prepayment” in
Section 1.01 of the Credit Agreement is hereby deleted in its entirety and the following definition is inserted in lieu thereof: 

“Mandatory Prepayment” means the obligation of the Borrower to apply the following to the reduction of the
outstanding principal amount of the Term Loans: 
 (i) the greater of $3,000,000 or fifty percent (50%) of the Net
Proceeds from the sale of the Auto Assets; 
 (ii) One Hundred Percent (100%) of the Net Proceeds from the sale of that
certain real property located at 7601 Metcalf Avenue, Overland Park, Kansas 66204; 
 (iii) One Hundred Percent
(100%) of the Net Proceeds from the sale of any other Property not described in subparagraphs (i) and (ii) to the extent the aggregate amount of such Net Proceeds are not used within one hundred eighty (180) days after receipt
thereof by the Borrower or the applicable Subsidiary, as the case may be, to purchase replacement assets, and 
 (iv) One
Hundred Percent (100%) of the Net Proceeds received by the Borrower from the issuance of any capital stock or other equity securities or from the issuance of any subordinated debt, other than the Permitted Subordinated Debt, subsequent to the
Closing Date. 
 (h) The following definition of the term “Permitted Subordinated Debt” is hereby inserted in
Section 1.01 of the Credit Agreement: 
 “Permitted Subordinated Debt” means (i) the 2011
Subordinated Debt, and (ii) Indebtedness in favor of a Person who was a shareholder of Borrower as of the Third Amendment Date, which Indebtedness is subordinated in right of payment to the prior payment of the Obligations pursuant to
subordination provisions approved in writing by the Agent (including, without limitation, that cash payments of principal and interest with respect to such Indebtedness shall be prohibited until the Term Loans have been paid in full, and upon
payment in full of the Term Loans, in the event of the occurrence of any Default or Event of Default hereunder) and is otherwise pursuant to documentation that is, which is in an amount that is, and which contains interest rates, payment terms,
maturities, amortization schedules, covenants, defaults, remedies and other material terms that are in form and substance, in each case satisfactory to the Agent in its sole discretion. 

  
 3 

 (i) The following definition of the term “Third Amendment Date” is
hereby inserted in Section 1.01 of the Credit Agreement: 
 “Third Amendment Date” means
November 12, 2013. 
 (j) Section 2.03 of the Credit Agreement is hereby deleted in its entirety and the following
Section 2.03 is inserted in lieu thereof: 
 2.03 Term Loan Commitments. 

(a) Term Loans. On the Third Amendment Date, each of the Term Loan Lenders severally agrees to make a term loan in the
amount of its Term Loan Committed Amount, in a single advance, which together shall be in an aggregate principal amount of Nine Million Dollars ($9,000,000) (each a “Term Loan,” and collectively, the “Term Loans”).
The Term Loans have been fully funded, and no additional borrowings are permitted thereunder. The Term Loans may consist of Base Rate Loans, LIBOR Rate Loans or a combination thereof, as the Borrower may request. Amounts paid on the Term Loans may
not be reborrowed. A portion of the principal balance outstanding under the Revolving Loans on the Third Amendment Date in an amount equal to $9,000,000 shall be deemed outstanding as Term Loans under this Agreement on the Third Amendment Date. 

(b) Principal Payments. The Term Loans shall, unless earlier repaid, be repaid in four installments of an amount equal
to the Calculated Payment, payable on the last day of each calendar quarter, commencing December 31, 2013. The remaining principal balance shall be payable on the Termination Date. 

(c) Mandatory Prepayment. In addition to the principal payments of the Term Loans referenced in
Section 2.03(b) above, for the ratable benefit of the Lenders, Borrower shall make payment to the Agent the amount of the Mandatory Prepayment, if any: (A) within five (5) Business Days of receipt of Net Proceeds constituting a
Mandatory Prepayment under subparagraphs (i), (ii) and (iv) of the definition of the term “Mandatory Prepayment,” and (B) within one hundred eighty (180) days of receipt of Net Proceeds constituting a Mandatory
Prepayment under subparagraph (iii) of the definition of the term “Mandatory Prepayment.” Each Mandatory Prepayment shall be applied to the Term Loans and will reduce future principal payments due under the Term Loans in the inverse
order of their maturities. Each scheduled payment under Section 2.03(b) and each payment under this Section 2.03(c) shall permanently reduce the Term Loan Commitment and each Term Loan Lender’s Term Loan Committed Amount. 

(d) Term Notes. The Term Loans of each Lender to the Borrower made pursuant to this Agreement shall be evidenced by a
single promissory note in favor of such Lender in the form of Exhibit C, dated the Third Amendment Date, duly completed and executed by the Borrower (collectively, as amended, renewed, restated, replaced, consolidated or otherwise modified
from time to time, the “Term Notes”). 

  
 4 

 (e) Use of Proceeds. The Borrower shall use the proceeds of the Term Loans
to refinance Revolving Loans in the same principal amount existing under this Agreement on the Third Amendment Date. 
 (k)
Section 7.02(a) of the Credit Agreement with respect to Consolidated EBITDA is hereby deleted in its entirety and the following Section 7.02(a) is inserted in lieu thereof, which deletion shall be effective as of September 30, 2013:

 (a) [Intentionally omitted.] 

(l) Section 7.02(b) of the Credit Agreement with respect to Fixed Charge Coverage Ratio is hereby deleted in its entirety
and the following Section 7.02(b) is inserted in lieu thereof: 
 (b) Fixed Charge Coverage Ratio. Permit or
suffer the Fixed Charge Coverage Ratio, determined for the Borrower and its Subsidiaries on a Consolidated basis as of the end of each fiscal quarter (for the twelve (12) month period then ending) of the Borrower, for the fiscal quarter ending
December 31, 2013 and each fiscal quarter thereafter, to be less than (i) 1.10 to 1.00, if the Term Loans remain outstanding as of such determinate date, or (ii) 1.25 to 1.00, if the Term Loans have been repaid as of such
determination date. 
 (m) Section 7.02(d) of the Credit Agreement with respect to Maximum Loss Ratio is hereby deleted
in its entirety and the following Section 7.02(d) is inserted in lieu thereof, which change shall be effective as of September 30, 2013: 

(d) Maximum Loss Ratio. Permit or suffer the Loss Ratio determined for the Borrower and its Subsidiaries on a
Consolidated basis, as of the end of each fiscal month of the Borrower after the Closing Date, measured on a trailing twelve (12) month basis, to be more than or equal to (i) thirty percent (30%) for the monthly periods ending
September 30, 2013 through December 31, 2013, and (ii) twenty-eight percent (28%) for each monthly period thereafter. 

(n) Section 7.02(k) of the Credit Agreement with respect to Restricted Payments is hereby deleted in its entirety and the
following Section 7.02(l) is inserted in lieu thereof: 
 (k) Restricted Payments. Make or commit to make
(i) any Distribution, or (ii) the redemption, repurchase, retirement or other acquisition of (or the setting a part of any sum in respect of any of the foregoing actions) shares of capital stock of the Borrower or warrants, rights or
options to purchase or acquire shares of any capital stock of the Borrower (other than an exchange of capital stock of the Borrower for other shares of capital stock of the Borrower). 

(o) Section 7.02(l) of the Credit Agreement with respect to Indebtedness is hereby deleted in its entirety and the
following Section 7.02(l) is inserted in lieu thereof: 
 (l) Indebtedness. Create, incur or suffer to exist any
liability for Indebtedness, except: (i) to Agent and the Lenders under this Agreement, (ii) as specified in Schedule 7.02(l), (iii) other Indebtedness not exceeding $500,000.00 in the aggregate, (iv) to any of the Lenders
or an Affiliate of a Lender under a Hedge Agreement, (v) loans between the Borrower and its Subsidiaries which are Guarantors hereunder, (vi) Third Party Guarantees issued by QC Financial Services of Texas, Inc. as a credit service
organization, (vii) the 2011 

  
 5 

 
Subordinated Debt and (viii) Permitted Subordinated Debt, other than the 2011 Subordinated Debt, in an amount not to exceed $6,000,000 in the aggregate at any time. 

(p) Schedules 2.01 and 2.03 attached to the Credit Agreement are hereby deleted in their entirety and Schedules 2.01 and 2.03
attached to this Agreement are inserted in lieu thereof. 
 2. Consent to Sale of Auto Finance Line of Business. The Borrower has
requested that the Agent and the Lenders consent to the sale of the Auto Assets (as defined in the Credit Agreement, as amended by this Agreement). The Agent and the Lenders hereby consent to the sale of the Auto Assets and agree that such sale
shall not violate any term of the Credit Agreement or any other Loan Document restricting such sale, provided (i) such sale must be closed on or before December 20, 2013, (ii) such sale must be on terms and conditions acceptable to
the Agent, in its sole discretion, and approved by Agent in writing, and (iii) the Net Proceeds generated by such sale shall be immediately and directly remitted to the Agent to be applied to repay the principal balance of the Term Loans in
accordance with Section 2.03(c) of the Credit Agreement (as amended by this Agreement). The Borrower shall supply information relative to any proposed sale of Auto Assets to the Agent as the Agent may reasonably request. The consent provided
pursuant to this Section 2 is a one-time consent and shall not obligate the Agent or the Lenders to consent to any sale of Collateral in the future. This consent shall not establish a course of dealing with respect to the issuance of consents
to the sale of Collateral. 
 3. Consent to Sale of Real Estate. The Borrower has requested that the Agent and the Lenders consent to
the sale of that certain real property located at 7601 Metcalf Avenue, Overland Park, Kansas 66204 (the “Auto Lot”). The Agent and the Lenders hereby consent to the sale of the Auto Lot and agree that such sale shall not violate any term
of the Credit Agreement or any other Loan Document restricting such sale, provided (i) such sale must be on terms and conditions acceptable to the Agent, in its sole discretion, and approved by Agent in writing, and (ii) all Net Proceeds
generated by such sale shall be immediately and directly remitted to the Agent to be applied to repay the principal balance of the Term Loans in accordance with Section 2.03(c) of the Credit Agreement (as amended by this Agreement). The
Borrower shall supply information relative to any proposed sale of Auto Lot to the Agent as the Agent may reasonably request. The consent provided pursuant to this Section 3 is a one-time consent and shall not obligate the Agent or the Lenders
to consent to any sale of Collateral in the future. This consent shall not establish a course of dealing with respect to the issuance of consents to the sale of Collateral. 

4. Consent to the Repurchase of Shares. The Borrower has requested that the Agent and the Lenders consent to the repurchase of 15,000
shares of capital stock of the Borrower currently held by the estate of Mary Powell (the “Powell Shares”). The Agent and the Lenders hereby consent to the repurchase of the Powell Shares and agree that such repurchase shall not violate any
term of the Credit Agreement or any other Loan Document restricting such repurchase, provided that the aggregate repurchase price of the Powell Shares does not exceed $40,000. The consent provided pursuant to this Section 4 is a one-time
consent and shall not obligate the Agent or the Lenders to consent to any repurchase of capital stock of the Borrower in the future. This consent shall not establish a course of dealing with respect to the issuance of consents to the repurchase of
capital stock of the Borrower. 
 5. Conditions Precedent. It shall be a condition precedent to the effectiveness of this Agreement
that (i) all amounts due and payable under the Notes as of the execution date shall have been paid, (ii) no Event of Default shall exist under the Notes, the Credit Agreement, or any other Loan Document, (iii) the Agent shall have
received the consent of each Lender to the extent such consent is required pursuant to the Credit Agreement, (iv) the Borrower shall have paid an amendment fee to the Agent for the benefit of the approving Lenders as required by a separate fee
letter dated October 31, 2013 between the Borrower and the Agent, (v) the Borrower shall have duly executed and delivered the Term Notes dated as of the date hereof in accordance with Section 2.03(d) of the Credit Agreement (as
amended by this Agreement), and (vi) the Agent and the Lenders shall have received such other items as they may reasonably request. 

  
 6 

 6. Representations and Warranties. The Borrower hereby represents and warrants that
(i) it has the authority to enter into this Agreement and, upon execution by the Borrower, this Agreement shall be an enforceable obligation of the Borrower, (ii) all representations and warranties made by the Borrower in the Credit
Agreement and the other Loan Documents are true and correct as of the date of this Agreement, (iii) there have been no amendments or modifications to the Borrower’s organizational documents since such documents were certified and/or
delivered to the Lender in connection with the closing of the Loan, and (iv) no Default or Event of Default currently exists under the Loan Documents. 

7. No Other Amendments. Except as expressly set forth herein, or necessary to incorporate the modifications and amendments herein, all
the terms and conditions of the Notes, the Credit Agreement, the Security Instruments, and the other Loan Documents shall remain unmodified and in full force and effect, and the Borrower confirms, reaffirms and ratifies all such documents and agrees
to perform and comply with the terms and the conditions of the Loan Documents, as amended herein. 
 8. No Impairment. Nothing in
this Agreement shall be deemed to or shall in any manner prejudice or impair the Loan Documents, or any security granted or held by the Lenders for the indebtedness evidenced by the Notes. 

9. Binding Agreement. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective
successors and assigns. 
 10. Applicable Law. This Agreement shall be governed by and construed in accordance with the internal laws
of the State of Kansas. 
 11. Waiver of Claims and Defenses. The Borrower hereby waives and releases any and all claims, defenses or
rights of set-off, known or unknown, against the Agent or any Lender existing as of the execution date of this Agreement, which in any manner arise out of or relate to any Loan Document. 

12. Fees and Expenses. The Borrower agrees to pay and reimburse the Agent for all of its out-of-pocket costs and expenses incurred in
connection with the preparation, negotiation, execution, filing, enforcement and administration of this Agreement including, without limitation, the fees and expenses of counsel to the Agent. 

13. Counterparts. This Agreement may be executed in counterparts and when combined all such counterparts shall constitute one
agreement. 
 14. Waiver of Jury Trial. Any controversy or claim between or among the parties hereto arising out of or relating to
this Agreement shall be controlled by the provisions with respect to waiver of trial by jury contained in the Loan Documents previously delivered by such parties. 

  
 7 

 12. NO ORAL AGREEMENTS. THIS IS THE FINAL EXPRESSION OF THE CREDIT AGREEMENT BETWEEN
THE BORROWER, THE AGENT AND THE LENDERS AND SUCH WRITTEN CREDIT AGREEMENT MAY NOT BE CONTRADICTED BY EVIDENCE OF ANY PRIOR ORAL AGREEMENT OR OF A CONTEMPORANEOUS ORAL CREDIT AGREEMENT BETWEEN THE BORROWER, THE AGENT AND LENDERS. 

ANY ADDITIONAL NON-STANDARD TERMS OF THE CREDIT AGREEMENT AND THE REDUCTION TO WRITING OF ANY PREVIOUS ORAL CREDIT AGREEMENT BETWEEN THE
BORROWER, THE AGENT AND LENDERS IS SET FORTH IN THE SPACE BELOW: 
 NONE 

BORROWER, THE AGENT AND LENDERS AFFIRM THAT NO UNWRITTEN ORAL CREDIT AGREEMENT BETWEEN THEM EXISTS. 

 

													
	Please initial	  		  		  		  		  		  	
		  	  
	  		  	  
	  		  	  
	  	
		  	Borrower	  		  	Agent	  		  	U.S. Bank	  	
							
		  	  
	  		  	  
	  		  	  
	  	
		  	BOKF	  		  	Enterprise	  		  	First Tennessee	  	
							
		  	  
	  		  	  
	  		  		  	
		  	Pulaski	  		  	United	  		  		  	

 [SIGNATURES APPEAR ON FOLLOWING PAGES] 

  
 8 

 IN WITNESS WHEREOF, the Agent, the Borrower and the Lenders have executed this Agreement as of
the day and year first above written. 
  

			
	AGENT:
	
	U.S. BANK NATIONAL ASSOCIATION
		
	By:	 	    /s/ Colleen S. Hayes

		 	  Colleen S. Hayes
		 	  Vice President

  
 S-1 

 IN WITNESS WHEREOF, the Agent, the Borrower and the Lenders have executed this Agreement as of
the day and year first above written. 
  

			
	BORROWER:
	
	 QC HOLDINGS, INC.,
 a Kansas
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	Douglas E. Nickerson
		 	Chief Financial Officer

  
 S-2 

 IN WITNESS WHEREOF, the Agent, the Borrower and the Lenders have executed this Agreement as of
the day and year first above written. 
  

			
	LENDERS:
	
	U. S. BANK NATIONAL ASSOCIATION
		
	By:	 	  /s/ Colleen S. Hayes

		 	Colleen S. Hayes
		 	Vice President
	
	BOKF, N.A. d/b/a BANK OF KANSAS CITY
		
	By:	 	  /s/ Matthew D. Robertson

	Name:	 	Matthew D. Robertson
	Title:	 	Assistant Vice President
	
	ENTERPRISE BANK & TRUST
		
	By:	 	  /s/ Kevin M. Antes

	Name:	 	Kevin M. Antes
	Title:	 	Vice President
	
	FIRST TENNESSEE BANK NATIONAL ASSOCIATION
		
	By:	 	  /s/ Bob Nieman

	Name:	 	Bob Nieman
	Title:	 	Senior Vice President
	
	PULASKI BANK
		
	By:	 	  /s/ James R. Howard

	Name:	 	James R. Howard
	Title:	 	Senior Vice President
	
	UNITED COMMUNITY BANK
		
	By:	 	  /s/ Allen Schmale

	Name:	 	Allen Schmale
	Title:	 	Chief Credit Officer

  
 S-3 

 ACKNOWLEDGMENT AND AGREEMENT OF GUARANTORS/PLEDGORS 

Each of the undersigned guarantors and/or pledgors of collateral with respect to the obligations of the Borrower to the Agent and the Lenders
hereby (i) acknowledge and consent to the terms of the foregoing Third Amendment Agreement, (ii) represents and warrants to the Agent and the Lenders that there exists no default or event of default under any document delivered by it to
the Agent or the Lenders with respect to the Loans and (iii) reaffirms and ratifies the full force and effect of any guaranty agreement, security instrument or pledge agreement delivered by it in connection with the Loans. 

 

			
	QC Financial Services, Inc.,
	a Missouri corporation
		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC Properties, LLC,
 a Kansas
limited liability company

		
	By:	 	      /s/ Darrin J. Anderson

		 	    Darrin J. Anderson
		 	    Manager
	
	 QC Financial Services of California, Inc.,

a California corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC Financial Services of Texas, Inc.,

a Kansas corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC Advance, Inc.,
 a Missouri
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer

			
	Cash Title Loans, Inc.,
	a Missouri corporation
		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 Express Check Advance of South Carolina, LLC,

a Tennessee limited liability company

		
	By:	 	      /s/ Darrin J. Anderson

		 	    Darrin J. Anderson
		 	    Manager
	
	 QC Auto Services, Inc.,
 a Kansas
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC Loan Services, Inc.,
 a Kansas
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC E-Services, Inc.,
 a Kansas
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 QC Capital, Inc.,
 a Kansas
corporation

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer

 ACKNOWLEDGMENT AND AGREEMENT OF NEGATIVE PLEDGORS 

Each of the undersigned negative pledgors in favor of the Agent for the benefit of the Lenders in connection with the Credit Agreement hereby
(i) acknowledges and consents to the terms of the foregoing Third Amendment Agreement, (ii) represents and warrants to the Agent and the Lenders that there exists no default or event of default under any document delivered by it to the
Agent or the Lenders with respect to the Loans and (iii) reaffirms and ratifies the full force and effect of the Negative Pledge Agreement delivered by it in connection with the Loans. 

 

			
	QC Canada Holdings, Inc.,
	a British Columbia company
		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer
	
	 Direct Credit Holdings Inc.,
 a
British Columbia company

		
	By:	 	      /s/ Douglas E. Nickerson

		 	    Douglas E. Nickerson
		 	    Chief Financial Officer

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