Document:

Exhibit 4.3

 

SECOND SUPPLEMENTAL INDENTURE

 

SUPPLEMENTAL INDENTURE (this “supplemental indenture”), dated as of June 5, 2012, between TMX Finance of Texas, Inc., a Delaware corporation, TMX Finance of Virginia, Inc., a Delaware corporation, TMX Finance of Nevada, Inc., a Delaware corporation, and TMX Finance Card Services, Inc., a Delaware corporation (each a “Guarantor” and collectively the “Guarantors”), each a direct or indirect subsidiary of TMX Finance LLC, a Delaware limited liability company (the “Company”), or TitleMax Finance Corporation, a Delaware corporation (together with the Company and their respective successors, the “Issuers”), in favor of Wells Fargo Bank, National Association, as trustee under the indenture referred to below (the “Trustee”).

 

W I T N E S S E T H

 

WHEREAS, the Issuers and the Guarantors (as defined in the Indenture) have heretofore executed and delivered to the Trustee an indenture (as amended and supplemented by the First Supplemental Indenture (defined below), the “Indenture”), dated as of June 21, 2010, providing for the issuance of 13.250% Senior Secured Notes due 2015 (the “Notes”); and

 

WHEREAS, TitleMax of Nevada, Inc., TitleMax of Arizona, Inc., TMX Finance of Florida, Inc., and AutoCash, Inc., became parties to the Indenture by execution and delivery of a First Supplemental Indenture on May 13, 2011 (the “First Supplemental Indenture”); and

 

WHEREAS, Section 5.18 of the Indenture provides that under certain circumstances the Company is required to cause each Guarantor to execute and deliver to the Trustee a supplemental indenture pursuant to which such Guarantor shall unconditionally guarantee all of the Issuers’ obligations under the Indenture Documents pursuant to a Note Guarantee on the terms and conditions set forth herein; and

 

WHEREAS, Section 10.01(e) of the Indenture provides, among other things, that the Issuers, the Guarantors and the Trustee may amend or supplement the Indenture Documents without the consent of any Holder of a Note to add Guarantees with respect to the Notes.

 

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

 

1.             CAPITALIZED TERMS.  Capitalized terms used herein without definition shall have the meanings assigned to them in the Indenture.

 

2.             AGREEMENT TO GUARANTEE.  Each of the Guarantors hereby agree, jointly and severally with all other Guarantors, to guarantee the Issuers’ obligations under the Notes and the Indenture on the terms and subject to the conditions set forth in Article 11 of the Indenture and to be bound by all other applicable provisions of the Indenture.

 

3.             EFFECTIVENESS.  This supplemental indenture shall be effective as of the date first written above.

 

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4.             RECITALS.  The recitals contained herein shall be taken as the statements of the Issuers and the Guarantors and the Trustee assumes no responsibility for their correctness.  The Trustee makes no representations as to the validity of this supplemental indenture.

 

5.             NEW YORK LAW TO GOVERN.  THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO THE CONFLICT OF LAWS PRINCIPLES THEREOF SHALL GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE.

 

6.             COUNTERPARTS.  The parties may sign any number of copies of this supplemental indenture (including by telecopier transmission).  Each signed copy shall be an original, but all of them together represent the same agreement.

 

7.             EFFECT OF HEADINGS.  The Section headings herein are for convenience only and shall not affect the construction hereof.

 

[Signature pages follow]

 

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IN WITNESS WHEREOF, the parties hereto have caused this Second Supplemental Indenture to be duly executed as of the day and year first above written.

 

	
 
    	
TMX   FINANCE LLC
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:
    	
Tracy   Young
    
	
 
    	
 
    	
Title:
    	
Manager
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
TITLEMAX   FINANCE CORPORATION
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:
    	
Tracy   Young
    
	
 
    	
 
    	
Title:
    	
Chief   Executive Officer
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
TMX   FINANCE OF TEXAS, INC.
    
	
 
    	
TMX   FINANCE OF VIRGINIA, INC.
    
	
 
    	
TMX   FINANCE OF NEVADA, INC.
    
	
 
    	
TMX   FINANCE CARD SERVICES, INC.
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:
    	
Tracy   Young
    
	
 
    	
 
    	
Title:
    	
Chief   Executive Officer
    

 

Second Supplemental Indenture

 

 

	
 
    	
WELLS FARGO BANK, NATIONAL ASSOCIATION, as Trustee
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Stefan Victory
    
	
 
    	
 
    	
Name:  Stefan Victory
    
	
 
    	
 
    	
Title:      Vice President
    

 

Second Supplemental IndentureExhibit 4.4

 

THIRD SUPPLEMENTAL INDENTURE

 

SUPPLEMENTAL INDENTURE (this “supplemental indenture”), dated as of July 20, 2012, between AutoCash, Inc., a Delaware corporation, and TitleMax Financing, Inc., a Florida corporation (each a “Guarantor” and collectively the “Guarantors”), each a direct or indirect subsidiary of TMX Finance LLC, a Delaware limited liability company (the “Company”), or TitleMax Finance Corporation, a Delaware corporation (together with the Company and their respective successors, the “Issuers”), in favor of Wells Fargo Bank, National Association, as trustee under the indenture referred to below (the “Trustee”).

 

W I T N E S S E T H

 

WHEREAS, the Issuers and the Guarantors (as defined in the Indenture) have heretofore executed and delivered to the Trustee an indenture (as amended and supplemented by the First Supplemental Indenture (as defined below) and the Second Supplemental Indenture (defined below), the “Indenture”), dated as of June 21, 2010, providing for the issuance of 13.250% Senior Secured Notes due 2015 (the “Notes”); and

 

WHEREAS, TitleMax of Nevada, Inc., TitleMax of Arizona, Inc., TMX Finance of Florida, Inc., and TMX Credit, Inc., formerly known as AutoCash, Inc., became parties to the Indenture by execution and delivery of a First Supplemental Indenture on May 13, 2011 (the “First Supplemental Indenture”); and

 

WHEREAS, TMX Finance of Texas, Inc., TMX Finance of Virginia, Inc., TMX Finance of Nevada, Inc. and TMX Finance Card Services Inc., became parties to the Indenture by execution and delivery of a Second Supplemental Indenture on June 5, 2012 (the “Second Supplemental Indenture”); and

 

WHEREAS, Section 5.18 of the Indenture provides that under cert ain circumstances the Company is required to cause each Guarantor to execute and deliver to the Trustee a supplemental indenture pursuant to which such Guarantor shall unconditionally guarantee all of the Issuers’ obligations under the Indenture Documents pursuant to a Note Guarantee on the terms and conditions set forth herein; and

 

WHEREAS, Section 10.01(e) of the Indenture provides, among other things, that the Issuers, the Guarantors and the Trustee may amend or supplement the Indenture Documents without the consent of any Holder of a Note to add Guarantees with respect to the Notes.

 

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

 

1.             CAPITALIZED TERMS.  Capitalized terms used herein without definition shall have the meanings assigned to them in the Indenture.

 

2.             AGREEMENT TO GUARANTEE.  Each of the Guarantors hereby agree, jointly and severally with all other Guarantors, to guarantee the Issuers’ obligations under the Notes and the

 

1

 

Indenture on the terms and subject to the conditions set forth in Article 11 of the Indenture and to be bound by all other applicable provisions of the Indenture.

 

3.             EFFECTIVENESS.  This supplemental indenture shall be effective as of the date first written above.

 

4.             RECITALS.  The recitals contained herein shall be taken as the statements of the Issuers and the Guarantors and the Trustee assumes no responsibility for their correctness.  The Trustee makes no representations as to the validity of this supplemental indenture.

 

5.             NEW YORK LAW TO GOVERN.  THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO THE CONFLICT OF LAWS PRINCIPLES THEREOF SHALL GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE.

 

6.             COUNTERPARTS.  The parties may sign any number of copies of this supplemental indenture (including by telecopier transmission).  Each signed copy shall be an original, but all of them together represent the same agreement.

 

7.             EFFECT OF HEADINGS.  The Section headings herein are for convenience only and shall not affect the construction hereof.

 

[Signature pages follow]

 

2

 

IN WITNESS WHEREOF, the parties hereto have caused this Third Supplemental Indenture to be duly executed as of the day and year first above written.

 

 

	
 
    	
TMX   FINANCE LLC
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:   Tracy Young
    
	
 
    	
 
    	
Title:   Manager
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
TITLEMAX   FINANCE CORPORATION
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:   Tracy Young
    
	
 
    	
 
    	
Title:    Chief   Executive Officer
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
AUTOCASH, INC.
    
	
 
    	
TITLEMAX   FINANCING, INC.
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Tracy Young
    
	
 
    	
 
    	
Name:   Tracy Young
    
	
 
    	
 
    	
Title:   Chief Executive Officer
    
	
 
    	
 
    	
 
    
	
Third   Supplemental Indenture
    	
 
    	
 
    
				

 

 

 

	
 
    	
WELLS   FARGO BANK, NATIONAL ASSOCIATION, as Trustee
    
	
 
    	
 
    	
 
    
	
 
    	
 
    	
 
    
	
 
    	
By:
    	
/s/   Stefan Victory
    
	
 
    	
 
    	
Name:   Stefan Victory
    
	
 
    	
 
    	
Title:   Vice President

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