Document:

Amendment No. 1 to Amended and Restated Program Agreement

 Exhibit 10.3 
 [*] designates portions of this document that have been omitted pursuant to a request for confidential treatment filed separately with the Securities and Exchange Commission. 
 AMENDMENT NO. 1 TO AMENDED AND RESTATED 
 PROGRAM AGREEMENT 
 THIS AMENDMENT NO. 1 TO AMENDED AND
RESTATED PROGRAM AGREEMENT (this “Amendment”), dated as of this 23rd day of November, 2009, is by and between Santa Barbara Bank & Trust (“SBBT”), a division of Pacific Capital Bank, N.A., a national banking association, with its principal office at
5770 Oberlin Drive, San Diego, CA, and Jackson Hewitt Inc. (“JHI”), a Virginia corporation, with its principal office at 3 Sylvan Way, Parsippany, NJ 07054. 
 W I T N E S S E T H: 
 WHEREAS, SBBT and JHI are parties to that
certain Amended and Restated Program Agreement, dated September 21, 2007, as such terms are amended from time to time (the “Agreement”); and 
 WHEREAS, the parties wish to amend certain terms of the Agreement for the 2010 Tax Season as more fully set forth herein. 
 NOW THEREFORE, in consideration of the promises and covenants contained in this Amendment and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the
parties hereto, intending to be legally bound, hereby agree as follows: 
  

	1.	Section 1.1 (b) of the Agreement is hereby modified to read as follows: 

 “Customer” shall mean a Jackson Hewitt Tax Service customer that was also a customer of SBBT or another financial institution that provided financial products facilitated by EROs and such
customer received a RAL or a funded Federal AR from SBBT or such other financial institution. For purposes of this definition, joint borrowers or joint recipients of such a financial product shall constitute one “Customer.” Funded shall
mean the customers IRS or State deposit is large enough to pay the Federal or State Account Handling Fee and Technology Fee. 
  

	2.	Section 2.1 (c) of the Agreement is hereby amended by adding the following new sentences to the end of the paragraph: 

 For Tax Season 2010, SBBT shall be the sole, exclusive and designated Financial Product provider for the ERO Locations located in all states and the
District of Columbia other than: Florida, Kentucky, Oklahoma and Texas (For purposes of the 2010 Tax Season such ERO locations shall be referred to as “Designated ERO Locations”). In addition, SBBT shall be the provider (on a non-exclusive
basis) of certain Financial Products in ERO Locations located in the states of: Florida, Kentucky, Oklahoma and Texas (as appropriate, such locations shall be included in Designated ERO Locations and customers receiving such funded
Financial Products shall be 2010 SBBT Customers). SBBT shall only provide the following Financial Products in the ERO Locations located in the states of: Florida,

  

 1 

 
Kentucky, Oklahoma and Texas (as appropriate, such locations shall be included in Designated ERO Locations and customers receiving such funded Financial Products shall be 2010 SBBT Customers).
SBBT shall only provide the following Financial Products in the states of Florida, Kentucky, Oklahoma and Texas: Money Now Loans, and the related Refund Anticipation Loan (and in the case of denials, the related Assisted Refund). The parties agree
that their relationship with respect to Financial Products for any online tax preparation service shall be governed by a separate agreement. 
  

	3.	Section 2.2 (c) of the Agreement is hereby modified to read as follows: 

 For Tax Season 2010, JHI shall designate SBBT as the sole and exclusive Financial Product provider under the Program for EROs [*]. 
 4. Section 4.1 (c) of the Agreement is hereby modified to read as follows: 
 SBBT shall pay to JHI for Tax Season 2010 the following payments in the following manner: 
  

	 	(i)	an amount equal to: [*]; and 

  

	 	(ii)	an amount equal to: [*]. 

  

	5.	The first sentence of Section 4.1 (d) of the Agreement is hereby deleted. 

  

	6.	Section 9.4 of the Agreement is hereby modified to add the following to the end of the paragraph: 

 For the avoidance of doubt, the provisions of this Section 9.4 are applicable to a breach of the last two sentences of
Section 2.2(c). 
  

	7.	Except as expressly amended and modified hereby, the Agreement shall otherwise remain in full force and effect. Whenever a provision of the Agreement is contrary or
inconsistent with a provision of this Amendment, the terms of the Amendment shall control. Capitalized terms used herein but not otherwise defined shall have the meaning ascribed to such terms in the Agreement 

  

	8.	This Amendment shall become effective upon its execution by SBBT and JHI and, upon such execution, this Amendment shall be deemed effective, and shall become a binding
agreement by and between SBBT and JHI. 

  

	9.	This Amendment may be executed in one or more counterparts (including via facsimile), each of which shall be deemed to be an original but all of which together shall
constitute one and the same instrument. 

 SIGNATURES ON THE FOLLOWING PAGE 
  

 2 

 IN WITNESS WHEREOF, the parties hereto have set forth their signatures as of the date first
above written. 
  

									
	 SANTA BARBARA BANK & TRUST,
 a division of Pacific Capital Bank, N.A.,
 a National Banking Association
	 		 	 JACKSON HEWITT INC.,
 a Virginia corporation

					
	By:	 	/s/ Douglas A. Burcombe	 		 	By:	 	/s/ Harry W. Buckley
		 	Douglas A. Burcombe	 		 		 	Harry W. Buckley
		 	Vice President	 		 		 	President and Chief Executive OfficerAmendment No. 1 to Amended and Restated Technology Services Agreement

 Exhibit 10.4 
 [*] designates portions of this document that have been omitted pursuant to a request for confidential treatment filed separately with the Securities and Exchange Commission. 
 AMENDMENT NO. 1 TO AMENDED AND RESTATED 
 TECHNOLOGY AGREEMENT 
 THIS AMENDMENT NO. 1 TO AMENDED
AND RESTATED TECHNOLOGY AGREEMENT (this “Amendment”), dated as of this 23rd day of November, 2009, is by and between Santa Barbara Bank & Trust (“SBBT”), a division of Pacific Capital Bank, N.A., a national banking association, with its principal office at
5770 Oberlin Drive, San Diego, CA, and Jackson Hewitt Technology Services LLC (“JHTSL”), a Delaware limited liability company, with its principal office at 501 N. Cattlemen Road, Suite 300, Sarasota, Florida 34232. 
 W I T N E S S E T H: 
 WHEREAS, SBBT and JHTSL are parties to that certain Amended and Restated Program Agreement, dated September 21, 2007, as such terms are amended from time to time (the “Agreement”);
and 
 WHEREAS, the parties wish to amend certain terms of the Agreement for the 2010 Tax Season as more fully set forth herein.

 NOW THEREFORE, in consideration of the promises and covenants contained in this Amendment and for other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows: 
  

	1.	Section 1.1 (b) of the Agreement is hereby modified to read as follows: 

 “Customer” shall mean a Jackson Hewitt Tax Service customer that was also a customer of SBBT or another financial institution that provided financial products facilitated by EROs and such
customer received a RAL or a funded Federal AR from SBBT or such other financial institution. For purposes of this definition, joint borrowers or joint recipients of such a financial product shall constitute one “Customer.” Funded shall
mean the customers IRS or State deposit is large enough to pay the Federal or State Account Handling Fee and Technology Fee. 
  

	2.	The definition of “Resource Rate” in Section 1.1 (g) is modified to read as follows: 

 [*] 
  

	3.	Section 1.5 (c) of the Agreement is hereby modified to read as follows: 

 SBBT shall pay to JHTSL for Tax Season 2010 [*]. 
  

 1 

	4.	Section 1.6 of the Agreement is hereby modified to read as follows: 

 Additional Fees. For Tax Season 2010, SBBT shall pay additional consideration to JHTSL for additional services performed and additional resources required to support expansion in the Program over
such Tax Season. [*] 
  

	5.	Schedule A of the Agreement shall be nullified and replaced with Schedule A, attached hereto. 

  

	6.	Except as expressly amended and modified hereby, the Agreement shall otherwise remain in full force and effect. Whenever a provision of the Agreement is contrary or
inconsistent with a provision of this Amendment, the terms of the Amendment shall control. Capitalized terms used herein but not otherwise defined shall have the meaning ascribed to such terms in the Agreement. 

  

	7.	This Amendment may be executed in one or more counterparts (including via facsimile), each of which shall be deemed to be an original but all of which together shall
constitute one and the same instrument. 

 SIGNATURES ON THE FOLLOWING PAGE 
  

 2 

 IN WITNESS WHEREOF, the parties hereto have set forth their signatures as of the date first
above written. 
  

									
	 SANTA BARBARA BANK & TRUST,
 a division of Pacific Capital Bank, N.A.,
 a National Banking Association
	 		 	 JACKSON HEWITT
 TECHNOLOGY SERVICES LLC,
 a Delaware limited liability company

					
	By:	 	/s/ Douglas A. Burcombe	 		 	By:	 	/s/ Harry W. Buckley
		 	Douglas A. Burcombe	 		 		 	Harry W. Buckley
		 	Vice President	 		 		 	President and Chief Executive Officer

 EXHIBIT A 
 [*] 
  

 4Second Amendment to Program Agreement

 Exhibit 10.5 
 [*] designates portions of this document that have been omitted pursuant to a request for confidential treatment filed separately with the Securities and Exchange Commission. 
 SECOND AMENDMENT TO PROGRAM AGREEMENT 
 This SECOND AMENDMENT (“Second Amendment”) to the September 19th, 2007, Program Agreement (the “Agreement”) by and between Republic Bank & Trust Company
(“Republic”), a Kentucky banking corporation, and Jackson Hewitt Inc. (“JHI”), a Virginia corporation, is effective as of the 23rd day of November, 2009. 
 RECITALS 
 WHEREAS, Republic and JHI entered into the Agreement on September 19, 2007.

 WHEREAS, Republic and JHI amended the Agreement on December 2, 2008. 
 WHEREAS, Republic and JHI desire to Amend certain terms of the Agreement. 
 NOW, THEREFORE, in
consideration of the mutual promises, covenants and agreements set forth below and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Republic and JHI do hereby agree to amend the Agreement as
follows: 
 AMENDMENTS 
  

	1.	Section 1.1 (b) is modified to read as follows: 

  

	 	(b)	“Customer” shall mean a Jackson Hewitt Tax Service customer that was also a customer of a financial institution that provided financial products facilitated
by EROs and such customer received a RAL or a funded Federal AR from such financial institution. Under this Agreement, an AR is considered to be funded if all bank fees are earned by Republic in the current year. For purposes of this definition,
joint borrowers or joint recipients of such a financial product shall constitute one “Customer.” 

  

	2.	Section 2.1 (c) is modified to read as follows: 

  

	 	(c)	For Tax Season 2010, Republic shall be the exclusive provider of Refund Anticipation Loans and Assisted Refunds to Jackson Hewitt Tax Service Customers for all
locations operated in the following states: Florida, Kentucky, Oklahoma and Texas (For purposes of the 2010 Tax Season such ERO locations shall be referred to as “Designated ERO Locations”). Notwithstanding the foregoing and any
other provision in the Agreement to the contrary, for Tax Season 2010, the Designated ERO Locations shall be permitted to accept applications for Money Now Loans by another financial institution designated by JHI, and the related Refund Anticipation
Loan (and in the case of denials, the related Assisted Refund). In addition, it is understood that this Agreement solely relates to the provision of services to Customers in Designated ERO Locations by Jackson Hewitt Tax Service tax preparers and
not any other method of distribution (e.g. online tax preparation services). 

  

	3.	Section 2.2 (c) is modified to read as follows: 

  

	 	(c)	For Tax Season 2010, JHI shall designate Republic as the sole and exclusive Refund Anticipation Loan and Assisted Refund provider under the Program for the Designated
ERO Locations, subject to the provisions of Section 2.1 (c) of the Agreement, as amended. [*] 

  

	4.	Section 4 (c) is modified to read as follows: 

  

	 	(c)	For the 2010 Tax Season, Republic shall pay to JHI [*] 

	5.	The following language is added to Section 4: 

  

	 	(g)	Republic shall have the right to withhold the February and/or March payments under Section 4 (d) of this Agreement if Republic, reasonably determines
(i) on February 26, 2010 that there has been a material adverse change that will likely result in the Designated ERO Locations failing to provide services to [*], (ii) on or before March 31, 2010 that the Republic
Customers who have obtained RALs during the 2010 Tax Season will likely have, in the aggregate, a RAL delinquency in excess of [*] on August 31, 2010, or (iii) on or before March 31, 2010 that due to JHI’s,
JHTSL’s, and/or a Designated ERO’s lack of compliance with Republic’s policies and procedures, Republic has and/or will likely be required to conduct additional audits, take corrective action and/or incur regulatory fines or
penalties, or suffers or will likely suffer other additional financial costs due to such noncompliance; and in each case of (i), (ii) and/or (iii) above, to the extent Republic has, or reasonably expects to, suffer such resulting harm. Any
such determinations shall be made in good faith by Republic and are subject to providing JHI with written notice no later than the date defined in each section of such determination including a detailed explanation of the reasons for such
determination and detail of harm incurred or expected to be incurred. In the event Republic exercises this Section 4 (g), the parties agree to immediately begin dispute resolution proceedings as described in Section 15 of this Agreement.
In the event any such notice is given, Republic shall have a duty to provide updates to JHI (and any additional information or documentation reasonably requested by JHI) regarding such resulting harm, including, without limitation, actual costs,
expenses and losses and to deliver to JHI any amount withheld in excess of such actual costs, expenses and losses. JHI shall have the right to seek confirmation of such claims, by audit or otherwise. This section is in addition to and does not
replace or negate the provisions of Section 9.4 of this Agreement. 

  

	6.	Section 6.10 is deleted in full from the Agreement. 

  

	7.	Section 9.4 (i)(c) is modified to read as follows: 

  

	 	(c)	[*], or 

  

	8.	Republic and JHI enter into this Second Amendment only for the purposes stated herein. Unless otherwise amended herein, all other terms and conditions of the Agreement
remain unchanged and in full force and effect. 

 IN WITNESS WHEREOF, this Second Amendment has been executed and delivered by a
duly authorized officer of each party as of the date set forth above. 
  

									
	REPUBLIC BANK & TRUST COMPANY	 		 	JACKSON HEWITT INC.
					
	By:	 	/s/ Mike Keene	 		 	By:	 	/s/ Harry W. Buckley
		 	Mike Keene	 		 	Name:	 	Harry W. Buckley
		 	Senior Vice President	 		 	Title:	 	President and Chief Executive Officer

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00166-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00166-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00166-of-00352.parquet"}]]