Document:

Exhibit

 AMENDMENT TO SUBLEASE AGREEMENT
THIS AMENDMENT TO SUBLEASE AGREEMENT is made as of the 1st day of December, 2014 ("Effective Date") between TC Loan Service, LLC., a Delaware LLC ("Sublessor") and Elevate Credit Service, LLC., a Delaware LLC ("Sublessee"). 

Recitals

A.WHEREAS, Sublessor is the tenant of premises located at Spectrum Center 5080 Spectrum Drive Addison, Texas ("Leased Premises") more particularly described that certain master lease, most recently amended on January 31, 2013, between Granite Properties COP-Spectrum Center LLC ("Landlord"), as landlord, and Sublessor, as tenant (such lease, all exhibits thereto, and any amendments or addendums thereto (as amended, "Prime Lease") are annexed hereto as Schedule A and made a part hereof).

B.WHEREAS, there is a Sublease negotiated and executed by Sublessor and Sublessee pursuant to that certain Distribution Agreement between Sublessor and Sublessee, dated as of May 1, 2014 (the "Distribution Agreement").

C.WHEREAS, Sublessee desires to sublet additional certain portions of the Leased Premises from Sublessor and Sublessor is willing to sublet the Additional Subleased Premises for the term and upon the other conditions hereinafter set forth.
NOW, THEREFORE, in consideration of the mutual covenants and benefits set forth herein, and other good and valuable consideration, the receipt and sufficiency of which hereby are acknowledged, the parties hereby agree as follows:

Agreement

1.Defined Terms.
a.The "Additional Subleased Premises" means such portions of the Leased Premises being particularly identified on Schedule B, which the parties agree, for the purposes of this Sublease and any square footage calculations pursuant hereto, is approximately an additional 12,674 square feet of office on the second floor (so the combined subleased space is the entire second floor) and approximately four percent (4%) of common space (building rentable area is 598,250 square feet).

b.      Any term not defined but capitalized herein shall have the meanings ascribed to it in the Prime Lease.

		
	2.
	Sublease of Additional Subleased Premises.

a.Sublessor hereby grants to Sublessee, and Sublessee hereby accepts from Sublessor, subject to the covenants, agreements, terms, provisions and conditions of the Prime Lease and of this Sublease, a sublease to the Additional Subleased Premises, together with all the rights and privileges appurtenant thereto, in its present "AS IS", "WHERE IS" condition and for the term of this Sublease.

b.Sublessee's occupancy of the Additional Subleased Premises will commence on December 1, 2014.

c.At the termination of this Sublease, Sublessee shall return the Additional Subleased Premises to Sublessor broom-clean, in as good repair and condition as on the Effective Date, reasonable wear and tear excepted.

3.Use and Lawful Occupancy. The Additional Subleased Premises shall be used only for Sublessee's 

office and for no other purpose, but subject in all events to the terms of the Prime Lease and applicable zoning laws. Sublessee shall be solely responsible for and comply with all laws relating to the use and occupancy of the Additional Subleased Premises.

		
	4.
	Term and Termination.

a.Subject to Section 4(b), the "Term" of this Sublease shall commence on the Effective Date and end on August 31, 2018.

b.This Sublease shall terminate on the first to occur of the following: (i) one (1) calendar day before the expiration of the term of the Prime Lease; (ii) the date upon which the Prime Lease is terminated as a result of any provisions of the Prime Lease; and (iii) the date upon which Sublessee's right to occupancy of the Additional Subleased Premises is terminated pursuant to this Sublease or as provided by law.

		
	5.
	Sublessee's Payment Obligations.

a.Rent.   Sublessee covenants and agrees to pay to Sublessor, on a monthly basis, an additional amount equal to the applicable rent per square foot based on the attached Lease Abstract multiplied by 12,674 square feet including any applicable sales taxes ("Base Rent") commencing as of the Effective Date.

b.Common Area Operating Expenses. In addition to Base Rent, Sublessee covenants and agrees to pay to Sublessor, on a monthly basis, one hundred percent (100%) of the second floor Common Area Operating Expenses allocated by Landlord to Sublessor (total 25,348 square feet of rented space). As used herein, Base Rent together with Sublessee's percentage of the Common Area Operating Expenses, collectively, "Rent").

c.Holdover. If Sublessee fails to surrender the Additional Subleased Premises or any portion thereof at the expiration or earlier termination of the Term, then it will be conclusively presumed that the value to Sublessee of remaining in possession, and the loss that will be suffered by Sublessor as a result thereof, far exceed the Rent and additional rent that would have been payable had the Term continued during such holdover period. Therefore, if Sublessee (or anyone claiming through Sublessee) does not immediately surrender the Additional Subleased Premises or any portion thereof upon the expiration or earlier termination of the Term, then the rent payable by Sublessee shall be increased to two (2) times then-applicable base rent for the Additional Subleased Premises as set forth in the Prime Lease. Such rent shall be computed by Sublessor and paid by Sublessee on a monthly basis and shall be payable on the first day of such holdover period and the first day of each calendar month thereafter during such holdover period until the Additional Subleased Premises have been vacated. Notwithstanding any other provision of this Sublease, Sublessor's acceptance of such rent shall not in any manner adversely affect Sublessor's other rights and remedies, including Sublessor's right to evict Sublessee and to recover all damages. Any such holdover shall be deemed to be a tenancy at sufferance and not a tenancy at will or tenancy from month to month. In no event shall any holdover be deemed a permitted extension or renewal of the Term, and nothing contained herein shall be construed to constitute Sublessor's consent to any holdover or to give Sublessee any right with respect thereto.

d.Cleaning.  The Additional Subleased Premises shall be cleaned in accordance with the standards set forth in the Prime Lease and included in the monthly Rent. 

e.Time of Payment. All money required to be paid by Sublessee under this Sublease (other than pursuant to Section 6) shall be paid on or before the first (1st) day of each calendar month during the term of this Sublease and shall be paid to Sublessor without notice or demand and in lawful money of the United States, without abatement, deduction or setoff at the offices of Sublessor set forth in Section 14 or such other place as Sublessor may specify.  Delays in such payment beyond the fifth (5th) calendar day of month will result in the amounts due accruing interest each month at a per annum rate equal to the Default Rate in the Prime Lease.

6.Additional Services.  Sublessee acknowledges that it shall have access to and the use of the kitchen of Sublessor.

7.Alterations and Lobby Sign. Sublessee shall not make any installations, alterations, or additions to the Additional Subleased Premises without the prior written consent of Sublessor, and then only pursuant to plans and specifications approved by Sublessor in advance in each instance including, without limitation, the installation of signs or physical alternation to the Additional Subleased Premises. Notwithstanding the above, Sublessee shall have the right to hang a reasonable amount of pictures and other furnishings on the walls of the Additional Subleased Premises by the use of nails, etc. In addition, Sublessee shall have the right to install signs (approved by Sublessor in its reasonable discretion) on the doors of the Additional Subleased Premises containing the name and/or logo of Sublessee.

8.Ingress. Sublessee shall have direct access to the Additional Subleased Premises twenty- four (24) hours per day, seven days per week.

9.Incorporation of Prime Lease. Except for sections inconsistent with the agreements and understandings expressed in this Sublease or applicable only to Landlord and Sublessor as the original parties to the Prime Lease, the terms, provisions, covenants, and conditions of the Prime Lease are hereby incorporated herein by reference as the same relate only to the Additional Subleased Premises, on the following understandings:

a.In any case where Landlord reserves rights and remedies pursuant to the Prime Lease, said rights and remedies shall inure to the benefit of Sublessor as well as to Landlord;

b.With respect to work, services, repairs, repainting and restoration, or the performance of other obligations required of Landlord under the Prime Lease, Sublessor's obligation with respect thereto shall be to request the same of Landlord upon request in writing by Sublessee and to use reasonable diligence to obtain the same from Landlord;

c.In any instance where the consent of Landlord is required to any act or omission, Sublessor shall not be required to give such consent unless and until Landlord also has given its consent in writing; and

d.Sublessee shall perform and comply with the terms, provisions, covenants and conditions of the Prime Lease to the extent applicable to the Additional Subleased Premises and this Sublease, and Sublessee shall not do or suffer to permit anything to be done that would result in a default under or cause the Prime Lease to be terminated or forfeited, including, but not limited to, the Applicable Requirements.

10.Assignment and Sublease. Sublessee may not assign or further sublet all or any part of the Additional Subleased Premises without the prior written consent of Sublessor and in compliance with the Prime Lease. The Additional Subleased Premises may not be encumbered in any manner by reason of any act or omission on the part of Sublessee or be sublet or offered or advertised for subletting except as provided herein. Sublessee and any permitted assignee of Sublessee shall remain jointly and severally liable for performance of all obligations of Sublessee under this Sublease.

11.Confidentiality. If during the term of this Sublease, one party and/or one of its affiliates (collectively, the "Recipient") acquires from the other party and/or one of its affiliates (collectively, the "Disclosing Party") information that includes, in whole or in part, Confidential information (as defined below), the parties recognize and acknowledge that (a) all such Confidential Information is the property of the Disclosing Party (and in some cases the property of former, current or prospective clients, customers, or accounts or investors of the Disclosing Party); (b) the use, misappropriation, or disclosure of the Confidential Information would constitute a breach of trust, privacy obligations, and privilege, and could cause irreparable injury to the Disclosing Party; and (c) it is essential to the protection of the Disclosing Party's goodwill and to the maintenance of the Disclosing Party's competitive position and privilege that the Confidential information be kept confidential and that the Recipient not disclose and take reasonable steps to protect the confidentiality of the Confidential Information and not use the Confidential information to the Recipient's own advantage or the advantage of persons or entities (other than the Disclosing Party). The parties understand that "Confidential information" means any proprietary information, financial data, technical data, client information, employment data, know-how, or any other business information 

disclosed by one party, or otherwise known to the other party, whether directly or indirectly, in writing or orally. The parties understand that Confidential information does not include any information that (y) has become publicly known or been made generally available to the public through no wrongful act of the other party; or (z) has been disclosed with the Disclosing Party's prior written consent.

12.Default.  If Sublessee (i) shall fail to pay Rent, or any other payments,  charges, or monies in accordance with the provisions of this Sublease and such default shall continue after  notice for a period of three (3) business days, (ii) shall cause the commission of waste or shall conduct act or acts constituting public or private nuisance, and/or an illegal activity on the Additional Subleased Premises and such actions shall continue after notice for a period of three (3) business days or (iii) shall default in fulfilling or complying with any of its nonmonetary obligations hereunder and such default shall continue after notice for ten (10) calendar days, then and upon the happening of any of such events, Sublessor may without further notice to Sublessee elect to terminate this Sublease. Upon such election, the term of this Sublease shall expire, but Sublessee shall remain liable for sums equal to the aggregate of Rent and all other monies that would have been payable by Sublessee to Sublessor subject to Sublessor's obligation to make commercially reasonable efforts to mitigate damages. The rights and remedies of Sublessor stated in this Section 12 shall be in addition to, and not in lieu of, those rights and remedies of Sublessor that exist pursuant to the other provisions of this Sublease, whether by incorporation of the Prime Lease or otherwise, at law and in equity.

13.Parking.  Sublessee shall be entitled to use Sublessor's share of the number of parking spaces attributable to Sublessor during the Term. All such parking shall be unreserved and on a first­ come, first-served basis.

14.Notices.   All notices or other communications required or  permitted hereunder shall  be in writing and delivered personally, by facsimile or .pdf file, by overnight courier, or by certified, registered or express mail, postage prepaid, and shall be deemed given when so delivered personally, or when so received by facsimile, .pdf, or courier, or if mailed, three (3) calendar days after the date of mailing to the following addresses or to such other address as any party shall notify the other party (as provided above) from time to time.

If notice to Sublessor:        Think Finance, Inc.
4150 International Plaza Suite #400
Fort Worth, TX 76109
Email: mwong@thinkfinance.com
Attention: Martin Wong CEO

If notice to Sublessee:        Elevate Credit, Inc.
4150 International Plaza Suite #300 Fort Worth, TX 76109
Email: krees@elevatecredit.com Attention: Ken Rees CEO

15.Termination of Prime Lease. This Sublease is subject and subordinate to the Prime Lease. If the Prime Lease shall terminate for any reason whatsoever, (i) this Sublease shall terminate simultaneously therewith and any unearned Rent and other monies prepaid hereunder shall be refunded to Sublessee, provided that such termination is not the result of a breach by Sublessee of this Sublease, and (ii) upon such termination of this Sublease, there shall be no further liability by Sublessor to Sublessee arising out of or in connection with this Sublease.

		
	16.
	Indemnification and Insurance.

a.Sublessee shall indemnify, defend and hold harmless Sublessor from and against all claims, actions, losses, costs, damages, expenses and liabilities, including, without limitation, reasonable attorneys' fees and expenses, which Sublessor may incur or pay by reason of (i) any accidents, damages or injuries to persons or property occurring in, on or about the Additional Subleased Premises caused by Sublessee or its employees, agents, 

contractors or invitees, (ii) any breach or default hereunder on Sublessee's part, (iii) any work done in or to the Additional Subleased Premises by Sublessee and/or Sublessee's employees, agents, contractors, invitees or any other person claiming through or under Sublessee, or (iv) any act, omission or negligence on the part of Sublessee and/or Sublessee's employees, agents, customers, contractors, invitees, or any other person claiming through or under Sublessee.

b.Neither Sublessor nor its agents or employees shall be liable for (i) any damage to property of Sublessee or of others entrusted to employees of Sublessor, (ii) the loss of or damage to any property of Sublessee by theft or otherwise, (iii) any injury or damage to persons or property resulting from fire, explosion, steam, gas, electricity, electrical disturbance, water, rain or snow or leaks or by dampness or by any other cause of whatsoever nature (whether similar or dissimilar to those above specified), (iv) any such damage caused by construction of any improvements or alterations, or (v) any latent defect in the Additional Subleased Premises.

c.Sublessor shall indemnify, defend and hold harmless Sublessee from and against all claims, actions, losses, costs, damages, expenses and liabilities, including, without limitation, reasonable attorneys' fees and expenses, which Sublessee may incur or pay by reason of any accidents, damages or injuries to persons or property occurring in, on or about the Additional Subleased Premises caused by gross negligence or willful misconduct of Sublessor or its employees, agents, contractors or invitees.

d.Sublessee shall, at Sublessee's expense, procure and maintain in full force and effect at all times during the term of this Sublease insurance coverage to the extent that is no less than that which is required by Landlord pursuant to the terms and conditions of the Prime Lease. Sublessee shall provide Sublessor with Certificates of Insurance evidencing the insurance required hereunder. Each certificate shall provide that thirty (30) calendar days prior written notice shall be given Sublessor in the event of cancellation or change in the policies. Sublessor, in addition to Landlord and any other parties identified in the Prime Lease, shall be named as additional insureds in each of Sublessee's policies, except Workers' Compensation.

e.It is understood and agreed that any coverage provided by Sublessee to Sublessor is primary insurance and shall not be considered contributory insurance with any policies of Sublessor, the fee owner or their subsidiaries, co-owners or joint venturers, if any.

17.Landlord Approval. This Sublease is contingent upon Landlord approving this Sublease in accordance with the terms of the Prime Lease and a copy of said approval being delivered to Sublessor and Sublessee.

18.No Brokers. The parties each represent to the other that they have not engaged a broker, finder, agent or salesmen in connection with this Sublease and no brokerage commission or fee is due to a broker, finder, agent or salesmen claiming by, through or under said party, resulting from this Sublease.

19.Quiet Enjoyment. During the term of this Sublease, Sublessor shall endeavor to have Sublessee provided with quiet enjoyment of the Additional Subleased Premises, subject to the terms and conditions of this Sublease.

20.Binding Authority. Individuals executing this Sublease warrant that they have the authority to bind Sublessor or Sublessee, as the case may be, to the obligations created herein and that they are an owner or authorized representative of the party for which they sign.

21.Benefits of Agreement. This Agreement shall inure to the benefit of, and be binding upon, the parties hereto and their respective executors, administrators, successors, and permitted assigns.

22.Governing Law. This Sublease shall be governed by, and construed in accordance with, the internal laws of the State of Texas without regard to conflict of laws principles thereof.

23.Entire Agreement.  This Sublease constitutes the entire agreement between the parties with respect to the matters covered hereby and supersedes all previous written, oral, electronic, or implied agreements and 

understandings between the parties with respect to such matters.

24.Amendments and Modifications. This Sublease may be amended or modified only in a writing signed by both parties.

25.Titles and Headings: Definitions. The headings in this Sublease  are  for  reference purposes only and shall not in any way affect the meaning or interpretation of this Sublease.

26.Waiver of Rights. No delay or omission by Sublessor in exercising any right under this Sublease shall operate as a waiver of that or any other right. A waiver or consent given by Sublessor on any one occasion shall be effective only in that instance and shall not be construed as a bar or waiver of any right on any other occasion.

27.Severability. The invalidity of any portion hereof shall not affect the validity, force, or effect of the remaining portions hereof. If it is ever held that any restriction hereunder is too broad to permit enforcement of such restriction to its fullest extent, each party agrees that a court of competent jurisdiction may enforce such restriction to the maximum extent permitted by law.

28.Signatures. This Sublease may be executed in two (2) or more counterparts, each of which shall be deemed an original and all of which when taken together shall constitute one and the same instrument. The signature of a party on any counterpart that is transmitted by facsimile or via .pdf file to the other party shall be deemed an original signature binding upon the executing party and acceptable to the other party.

[Signature page follows.]

IN WITNESS WHEREOF, Sublessor and Sublessee have duly executed this Sublease as of the Effective Date.

SUBLESSOR:

TC Loan Service, LLC

By:      /s/ Chris Lutes        
Title:     Asst CFO            
Name:Chris Lutes            

SUBLESSEE:

Elevate Credit Service, LLC

By:      /s/ Jason Harvison        
Title:     COO                
Name:Jason Harvison        

Schedule A 
Prime Lease

Schedule B 
Additional Subleased Premises

2nd Floor - 12,674 square feet (entire second floor- 25,348)

Lease Abstract

	
			
	BASE RENT INFORMATION                                      Section:   4th ,  3rd  2nd  Amdmt & Master

	 
	Monthly
	RSF

	Initial Base Rent: 8/1/13-8/30/13
	 $41,170.81+$0.00           = $41,170.81
	10.13

	Increase:   09/01/13-10/31/13
	 $42,266.98+$0.00           = $42,266.98
	10.40

	Increase:   11/01/13-08/31/14
	         $42,266.98 + $44,901.75 = $87,168.73
	21.45

	Increase:   09/01/14-09/30/14
	         $43,283.15 + $44,901.75 = $88,184.90
	21.70

	Increase:   10/01/14-08/31/15
	$43,283.15 + $45,877.88 = $89,161.03
	21. 94

	Increase:   09/01/15-09/30/15
	$44,339.31 + $45,877.88 = $90,217.19
	22.20

	Increase:   10/01/15-08/31/16
	$44,339.31 + $46,854.00 = $91,913.31
	22.61

	Increase:   09/01/16-09/30/16
	$45,395.48 + $46,854.00 = $92,249.48
	22.70

	Increase:   10/01/16-09/30/17
	$45,395.48 + $47,830.13 = $93,225.61
	22.94

	Increase:   10/01/17-09/30/18
	$45,395.48 + $48,806.25 = $94,201.73
	23.18

	

Article 3: 
Security Deposit:             Amount:    $26,209.75 to be returned w/in 10 business days if no event of default occurred.

                                        Interest:        N    (y/n)
Letter of Credit:               Drafting Bank:
                                        Amount:                                        Expiration:
                                        Special (declining balance, renewal terms, etc.)
Article 2.4:
Late Charges: $  $500    or after 10 days interest at 10% may be charged as well.
Grace period:    5      days
         Written notice required:         (y/n)

	
	
	OPERATING EXPENSES                                                                                              Section:  2.2

	Lease Type:  Full Service + E _(F/S, gross, NNN, etc.)
ProRata Share of Expenses Per Lease:    8.15%
Base Year:  Master 2012 (4th Amendment - 2013) (year) Amount: (dollars)  T to Confirm
actual $ amount
Building SF:  598.250 sf
Cap on Expenses:  6% on controllable, cumulative (Rider 2)
Gross up Provisions:  gross up to 95% (section 2.202)
Time Limit to Bill:  90 days, or as soon as practical
Audit Rights: If expenses increase greater than 5% over previous year, T may audit.  Must use fee, not contingency based firm.  Audit must be w/in 180 days or receipt of statement (section 2.203d)
Deadline for notification of Audit Rights:  only w/in 180 days; but audit must be performed w/in 90 days
of notification to LL that T will audit.
Comments:  T has the right to contest any “item” on the statement if done so within 45 days of receipt of statement (2.203c).

	
	
	REPAIR AND MAINTENANCE OBLIGATIONS                                                        Section:  6.201

	Standard for office leases; T maintains the PremisesExhibit

First Amendment to Lease Agreement

This First Amendment to Lease Agreement (this “First Amendment”) is executed to be effective as of the 31st day of August, 2018 (the “First Amendment Effective Date”) by and between FLDR/TLC Overton Centre, L.P., a Texas limited partnership (“Landlord”), and Elevate Credit Service, LLC, a Delaware limited liability company (“Tenant”). 
Recitals

A.Landlord and Tenant entered into that certain Lease Agreement dated July 13, 2016 (the “Lease”) for certain premises consisting of approximately 62,752 square feet of Rentable Space (the “Premises”) designated as Suite Nos. 200, 300, 700, and 820/850 within the building located at 4150 International Plaza, City of Fort Worth, Tarrant County, Texas and known as Overton Centre I (“Tower I”).
B.Landlord and Tenant desire to amend the Lease upon the conditions hereinafter set forth. 
Agreement

NOW THEREFORE, for and in consideration of the mutual covenants herein contained and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Landlord and Tenant hereby agree as follows:

1.Definitions.  All terms appearing herein having their first letter capitalized and not otherwise defined shall have the respective meanings set forth in the Lease.

2.Short Term Expansion of Premises. The Lease is hereby amended to provide that commencing September 1, 2018, the Premises are expanded by the approximately 21,068 square feet of Rentable Space designated as Suite 400 on the fourth floor of Tower I (“Suite 400”), as depicted on the floor plan attached as Exhibit “A” to this First Amendment. The Term for Suite 400 shall commence on September 1, 2018 and continue for sixty (60) days thereafter to expire October 31, 2018 (“Short Term Expansion Period”). Throughout the Short Term Expansion Period, all references in the Lease to the “Premises” shall include Suite 400. Tenant accepts Suite 400 for the Short Term Expansion Period in an “AS IS” condition with Landlord making no representation as to the physical condition of Suite 400 or the suitability for Tenant’s intended use, and with Landlord having no responsibility to perform any tenant improvements to Suite 400 or to provide any tenant improvement allowance for Suite 400 for the Short Term Expansion Period.  As Base Rental for the lease and use of Suite 400 for the Short Term Expansion Period, Tenant shall pay Landlord or Landlord’s assigns, Base Rental in the amounts set forth below, payable in advance as set forth in Section 6 of the Lease, and Electrical Expenses for Suite 400 in accordance with Section 5 of the Lease:

	
				
	Months
	Amount Per
Rentable Square
Foot Per Annum
	Annual
Base Rental
	Monthly
Base Rental

	9/1/18 - 10/31/18
	[****]
	[****]
	[****]

3.Relocation to Tower III. Throughout the Short Term Expansion Period, Landlord and Tenant shall use good faith efforts to negotiate Tenant’s relocation to Tower III upon mutually acceptable terms and conditions in accordance with the most recent draft of the Letter Of Intent between the parties as submitted by Landlord to Tenant dated July 11, 2018. If the parties have executed a new written agreement, or a written agreement or amendment modifying or supplementing the Lease by October 31, 2018 (the “Tower III Deadline”), to relocate Tenant to Tower III (the “Tower III  Lease”), then Suite 400 shall become a part of the Premises on the terms and conditions set forth in this First Amendment. If the parties have not executed the Tower III Lease by the Tower III Deadline, and Landlord and Tenant are working in good faith towards mutually acceptable terms and conditions regarding the Tower III Lease, then beginning November 1, 2018, the Short Term Expansion Period shall extend for successive one-month periods and the Base Rent for Suite 400 shall increase to [****]% of the scheduled Base Rent in this First Amendment until 

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

(i) such written agreement or amendment document for Tower III is completed, at which time Suite 400 shall become a part of the Premises on the terms and conditions set forth in this First Amendment and the Base Rent shall revert to the Base Rent scheduled in this First Amendment; or (ii) Landlord or Tenant notifies the other in writing that the notifying party does not wish to continue negotiating the Tower III Lease at least fifteen (15) days prior to the expiration of the then-current Short Term Expansion Period. If either Landlord or Tenant notifies the other in writing that the notifying party does not wish to continue negotiating the Tower III Lease after the Short Term Expansion Period has extended under the preceding sentence, or Landlord and Tenant are not working towards mutually acceptable terms and conditions regarding the Tower III Lease on the Tower III Deadline, then (i) Tenant shall vacate and turn over possession of Suite 400 to Landlord in broom clean condition, with all of Tenant’s furniture, fixtures, equipment, and other personal property removed from Suite 400, on or before the expiration of the then-current Short Term Expansion Period, and (ii) Paragraphs 4, 5, 6, 8, 10, 11, 12, and 13, and Exhibits “B” and “C” of this First Amendment shall be null and void and of no force or effect. 
4.Expansion of Premises. The Lease is hereby amended to provide that commencing November 1, 2018 (the “Expansion Date”), the Premises are expanded by Suite 400 (the approximately 21,068 square feet of Rentable Space on the fourth floor of Tower I). From and after the Expansion Date, all references in the Lease to the “Premises” shall mean the approximately 83,820 square feet of Rentable Space in Tower I, comprised of Suite 300, Suite 700,  Suite 820/850, Suite 200, and Suite 400.

5.Lease Term for Suite 400. The Lease Term for Suite 400 shall commence on the Expansion Date and shall continue conterminously with the Lease Term for the remainder of the Premises to expire at 11:59 p.m. Central time on September 30, 2020. 

6.Base Rental for Suite 400.  The Base Rental for Suite 400 shall be as follows: 
	
				
	Months
	Amount Per
Rentable Square
Foot Per Annum
	Annual
Base Rental
	Monthly
Base Rental

	11/1/18 - 8/30/19
	[****]
	[****]
	[****]

	9/1/19 - 9/30/20   
	[****]
	[****]
	[****]

7.Electricity.  Section 5(b) of the Lease is hereby amended to provide that Landlord currently estimates the annual payment of Tenant’s Electrical Expenses for the Premises to be One and 25/100 Dollars ($1.25) per rentable square foot of the Premises.

8.Base Expense Year for Suite 400.  As of the Expansion Date, all references in the Lease to a base year or Base Expense Amount for Suite 400 shall mean 2018 for all purposes under the Lease. 

9.Base Expense Year for Suites 300, 700, 820/850, and 200. As set forth in the Basic Lease Information in the Lease, all references in the Lease to a base year or Base Expense Amount for Suite 200 shall remain 2018, and for Suite 820/850 shall remain 2016 for all purposes under the Lease. Pursuant to the Base Expense Amount terms of the Lease, as of September 1, 2018, all references in the Lease to a base year or Base Expense Amount for Suite 300 and Suite 700 shall mean 2018 for all purposes under the Lease.

10.Security Deposit.  On or before the Expansion Date, Tenant shall pay to Landlord the amount of [****], which will increase Tenant’s total Security Deposit under the Lease to [****]. 

11.Tenant’s Proportionate Share.  From and after the Expansion Date, Tenant’s Proportionate Share under the Lease shall be 18.713%, which is the percentage obtained by dividing (a) the 83,820 square feet of Rentable Space in the Premises by (b) the 447,917 rentable square feet in the Building.  

12.Suite 400 Work. Tenant accepts Suite 400 in its “AS-IS” condition with Landlord making no representation as to the physical condition of Suite 400 or the suitability for Tenant’s intended use, subject only to the 

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

“Suite 400 Work” pursuant to Exhibit “B” attached to this First Amendment. Landlord shall have no responsibility to perform any tenant improvements to Suite 400 or to provide any tenant improvement allowance for Suite 400 until the parties have executed the Tower III Lease. Upon completion of the Suite 400 Work, upon written request from Landlord, Tenant shall promptly execute and deliver to Landlord an Acceptance of Premises Memorandum in the form of Exhibit “C” attached to this First Amendment, if the Suite 400 Work has been performed as described in Exhibit “B” attached to this First Amendment. 

13.Renewal Option. As of the Expansion Date, the Renewal Option set forth as Exhibit “F” attached to the Lease shall apply to the entire Premises (including Suite 400).

14.Tenant Acknowledgement.  Tenant acknowledges and agrees that as of the First Amendment Effective Date, (a) Landlord has performed all of its obligations under the Lease, and (b) there are no offsets, claims or defenses to the payment of rent and the performance of the other obligations of Tenant under the Lease.  

15.Representation.  Tenant hereby represents that Tenant has not dealt with any outside broker other than Jim Lob of L&D Realty Partners LLC representing Tenant and Holt Lunsford Commercial, Inc., representing Landlord with regard to this First Amendment.

16.General.  Except as herein amended, the Lease shall continue in full force and effect, and, as hereby amended, is hereby ratified and affirmed.  Landlord and Tenant each represents and warrants that the person executing this instrument on its behalf is duly authorized to sign on behalf of the respective party.  In the event of a conflict between the terms and conditions of the Lease and the terms and conditions of this First Amendment, the terms of this First Amendment shall prevail and control.  If any term or provision of this First Amendment, or the application thereof to any person or circumstance shall to any extent be invalid or unenforceable, the remainder of this First Amendment, or the application of such provision to persons or circumstances other than those as to which it is invalid or unenforceable, shall not be affected thereby.  This First Amendment may be executed in multiple counterparts, all of which are identical and all of which counterparts together shall constitute one and the same instrument.  To facilitate execution of this First Amendment, the parties may execute and exchange by facsimile or electronic mail counterparts of the signature pages of this First Amendment.

[Signatures on Following Page]

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IN WITNESS WHEREOF, the undersigned have executed this First Amendment to be effective as of the First Amendment Effective Date.

LANDLORD:

FLDR/TLC Overton Centre, L.P.,
a Texas limited partnership

By:    FLDR/TLC Overton Genpar, LLC,
a Texas limited liability company,
its general partner
    

By: /s/ Tony Landrum                        
		
	Name: 
	Tony Landrum                        

		
	Title: 
	Managing Partner                    

TENANT:

Elevate Credit Service, LLC, 
a Delaware limited liability company 

By:    /s/ Jason Harvison                        
Name:     Jason Harvison                            
Title:     Chief Operating Officer        

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

            
Exhibit “A” 
Suite 400
(to be attached)

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

Exhibit “B”
Suite 400 Work
This Exhibit sets forth the respective obligations of, and the procedures to be followed by, Landlord and Tenant in the design and construction of the Suite 400 Work.
1.    The  Suite 400 Work.

The “Suite 400 Work” will consist of leasehold improvements to Suite 400 or Suite 200, at Tenant’s discretion, to be constructed pursuant to plans and specifications mutually approved by Landlord and Tenant, as described in the floor plan and specifications attached to this Exhibit as Rider 1 (“Preliminary Plan”). 

A.    From the Preliminary Plan, Tenant will cause its architects and/or engineers, to prepare any required engineering and architectural drawings and specifications (all such engineering and architectural drawings and specifications are referred to collectively as the “Preliminary Working Drawings”), and will submit the same to Landlord for Landlord’s written approval.  Landlord will not unreasonably withhold approval of the Preliminary Working Drawings.  Failure by Landlord to deliver written objections to Tenant within five (5) business days after receipt of the Preliminary Working Drawings will be deemed to be approval of same. Any disapproval by Landlord must include specific suggestions for making the same acceptable. If Landlord disapproves the Preliminary Working Drawings, Tenant will have the Preliminary Working Drawings revised to incorporate Landlord’s reasonable suggestions and objections, which suggestions and objections will be binding upon Landlord and may be relied upon by Tenant in revising the Preliminary Working Drawings; provided, however Landlord shall not be responsible for any errors or omissions made by Tenant or its architect with respect to the Preliminary Working Drawings, or any subsequent revisions thereto.  The Preliminary Working Drawings which are approved in the foregoing manner will become Final Working Drawings. 

B.    Prior to the commencement of construction of the Suite 400 Work, Tenant shall provide Landlord with an acceptable certificate of insurance meeting Landlord’s insurance requirements. Tenant will provide Landlord with a construction schedule for the Suite 400 Work within ten (10) business days after approval of the Final Working Drawings, and Tenant will not commence construction of the Suite 400 Work until the Final Working Drawings have been approved as set forth in Section 1.A above and Tenant has provided Landlord with an acceptable certificate of insurance.

C.    Landlord will pay all costs and fees incurred in connection with preparation of the Final Plan and Preliminary and Final Working Drawings needed to implement the Suite 400 Work and construction of the leasehold improvements as described in the Final Working Drawings up to a cost of $7.00 per square foot of Rentable Space of Suite 400 (which cost shall include a construction management fee of four percent (4%) of all hard construction costs to Landlord’s construction manager) (“Suite 400 Tenant's Allowance”).  Tenant will pay all costs and fees incurred in connection with preparation of plans and working drawings or construction resulting from a change requested by Tenant and any amount in excess of $7.00 per square foot of Rentable Space of Suite 400 incurred by Landlord in connection with the design and construction of the Suite 400 Work (collectively, “Tenant's Cost”).  Tenant's Cost hereunder will be deemed Additional Rent under the Lease.  The allowance obligation of Landlord under this 1.C. shall be applied by Tenant towards the Suite 400 Work within one hundred eighty (180) days after the Expansion Date or be forfeited with no further obligation on the part of Landlord.
D.    Notwithstanding anything to the contrary, the Suite 400  Tenant’s Allowance shall not be used for (and Landlord shall have no obligation to use or advance any portion of the Suite 400 Tenant’s Allowance for): (i) the cost of furniture, fixtures or equipment which are not permanently attached to the Property or the Building (including, but not limited to, tenant signage, security systems, cabling and telephone/telecom/communications equipment), (ii) permit fees or power upgrades, or (iii) non-Building standard items.

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

2.    Substantial Completion. Landlord will be deemed to have “substantially completed” the Suite 400 Work for the purposes thereof if Landlord has caused all of the Suite 400 Work to be completed substantially except for so called “punchlist items,” e.g., minor details of construction or decoration or mechanical adjustments which do not substantially interfere with Tenant's occupancy of Suite 400 to be made by Tenant.  If there is any dispute as to whether Landlord has substantially completed the Suite 400 Work, the good faith decision of Landlord's architect will be final and binding on the parties.
3.    Construction.     Tenant and Tenant’s architect will be solely responsible for determining whether or not Tenant is a public accommodation under The Americans with Disabilities Act and Texas Architectural Barriers Act and whether or not the Final Working Drawings comply with such laws and the regulations thereunder for the Premises, and Landlord shall be solely responsible for such determinations regarding any building common areas.

4.    Liability.  Landlord does not guarantee or warrant the Suite 400 Work and Landlord will have no liability therefore. In the event of such errors, omissions, or defects, Landlord will cooperate in any action Tenant desires to bring against such parties.

5.    Incorporation Into Lease:  Default.

THE PARTIES AGREE THAT THE PROVISIONS OF THIS EXHIBIT ARE HEREBY INCORPORATED BY THIS REFERENCE INTO THE LEASE (AS AMENDED BY THE FIRST AMENDMENT) FULLY AS THOUGH SET FORTH THEREIN.  In the event of any express inconsistencies between the Lease (as amended by the First Amendment) and this Exhibit, the latter will govern and control.  Any default by Tenant hereunder will constitute a default by Tenant under the Lease (as amended by the First Amendment) and Tenant will be subject to the remedies and other provisions applicable thereto under the Lease (as amended by the First Amendment).

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

Rider 1
(to be attached)

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

Exhibit “C”
Acceptance of Premises Memorandum
This Acceptance of Premises Memorandum (this “Memorandum”) is entered into on this _____ day of _____________, 201__ by and between FLDR/TLC Overton Centre, L.P., a Texas limited partnership, as Landlord (“Landlord”) and Elevate Credit Service, LLC, a Delaware limited liability company, as Tenant (“Tenant”). Unless otherwise defined herein, all capitalized terms used herein shall have the same meaning ascribed to such terms in the First Amendment (as hereinafter defined).
Recitals

A.On __________ ___, 2018, Landlord and Tenant entered into that certain First Amendment to Lease Agreement (the “First Amendment”), which amended the Lease Agreement dated July 13, 2016 pursuant to the terms and conditions described in the First Amendment.

B.Certain leasehold improvements to the Premises have been constructed and installed for the benefit of Tenant in accordance with the terms and conditions set forth in Exhibit “B” to the First Amendment.

C.Tenant desires to take possession of and accept the Premises subject to the terms and provisions hereof.

NOW, THEREFORE, for and in consideration of the premises, and the mutual covenants and agreements contained herein and in the First Amendment, Landlord and Tenant hereby expressly covenant, acknowledge and agree as follows:

1.Landlord and Tenant have fully completed the construction of tenant improvements, alterations or modifications to Suite 400 in accordance with Exhibit “B” to the First Amendment, and the Suite 400 Work is substantially complete. Suite 400 is tenantable and ready for immediate occupancy by Tenant and Landlord has no further obligation to install or construct any construction improvements, modifications or alterations to the Premises (including Suite 400).

2.The Expansion Date shall be November 1, 2018.  The expiration date of the Lease shall be September 30, 2020.

3.Except as specifically set forth herein, as of the date of this Memorandum the Lease (as defined in the First Amendment) has not been modified, altered, supplemented, superseded or amended in any respect, except by the First Amendment.  All terms, provisions and conditions of the Lease (as amended by the First Amendment) are and remain in full force and effect, and are hereby expressly ratified, confirmed, restated and reaffirmed in each and every respect.
IN WITNESS WHEREOF, this Memorandum is entered into by Landlord and Tenant to be effective on the date first set forth above.

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

Landlord:

FLDR/TLC Overton Centre, L.P.,
a Texas limited partnership

By:    FLDR/TLC Overton Genpar, LLC, 
a Texas limited liability company, its general partner
    

By:                         
Name:                         
Title:                         

Tenant:

Elevate Credit Service, LLC, 
a Delaware limited liability company

By:                            
Name:                            
Title:                            

[****] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

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