Document:

Third Amendment to Technology Services Agreement

 Exhibit 10.2 
 [*] designates portions of this document that have been omitted pursuant to a request for confidential treatment filed separately with the Securities and Exchange Commission. 
 THIRD AMENDMENT TO TECHNOLOGY SERVICES AGREEMENT 
 This THIRD AMENDMENT (“Third Amendment”) to the September 19th, 2007, Technology Services Agreement as previously amended (the “Agreement”) by and between Republic
Bank & Trust Company (“Republic”), a Kentucky banking corporation, and Jackson Hewitt Technology Services LLC (“JHTSL”), a Delaware limited liability company, is effective as of the 29th day of December, 2009. 
 RECITALS 
 WHEREAS, Republic
and JHTSL entered into the Agreement on September 19, 2007. 
 WHEREAS, Republic and JHTSL amended the Agreement on December 2, 2008
and November 23, 2009. 
 WHEREAS, Republic and JHTSL 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 JHTSL do hereby agree to amend the Agreement as follows: 
 AMENDMENTS 
  

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

  

	 	(g)	[*] 

  

	2.	Section 1.5 (c) is modified to read as follows: 

  

	 	(c)	For each of the 2010, 2011 and 2012 Tax Seasons, Republic shall make a payment to JHTSL of [*]. 

  

	3.	The following language is added to Section 1.5: 

  

	 	(g)	 With respect to each Tax Season, Republic shall have the right to withhold the respective 2010, 2011 and/or 2012 February and/or March payments
under Section 1.5 of this Agreement and the Additional Fees under Section 1.6 of this Agreement if Republic, reasonably determines (i) on February 26, 2010 and/or the last business day February of 2011 and/or 2012 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, March 31, 2011 and/or March 31, 2012 that the
Republic Customers who have obtained RALs during the corresponding Tax Season will likely have, in the aggregate, a RAL delinquency

	 	 
in excess of [*] on August 31, 2010, August 31, 2011 and/or August 31, 2012; or (iii) on or before March 31, 2010, March 31, 2011 and/or
March 31, 2012 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 1.5 (g), the parties agree to immediately begin dispute resolution proceedings as described
in Section 10 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 the Program Agreement. The dates set forth in this Section relate to each respective Tax Season only. 

  

	4.	Section 1.6 is modified to read as follows: 

  

	 	1.6	Additional Fees. For each Tax Season under this Agreement, Republic shall pay additional consideration to JHTSL for additional services performed and additional
resources required to support expansion in the Program over such Tax Seasons. [*]. 

  

	5.	Section 2.2 shall be modified to read as follows: 

  

	 	2.2	Training. JHTSL shall offer to all participating EROs training regarding Bank Products, and shall further require all participating EROs to satisfactorily
complete such training. In connection therewith, JHTSL agrees to (i) submit said training program to Republic for prior review and approval, and (ii) incorporate Republic’s ERO compliance and operational training into such training
program. JHTSL understands and agrees that Republic may offer and/or require participating EROs to receive additional training with respect to Bank Products. 

  

	6.	Section 5.1 shall be modified to read as follows: 

  

	 	5.1	Term. This Agreement shall be effective upon its execution and applicable to the Program for Tax Seasons 2010, 2011 and 2012 and all related periods. This
Agreement shall terminate and expire on October 31, 2012, unless extended by written agreement of the parties (the “Term”). 

	7.	Schedule A of the Agreement shall be nullified and replaced with Schedule A, attached hereto which Schedule shall be applicable for each of the 2010, 2011 and 2012 Tax
Seasons. 

  

	8.	Republic and JHTSL enter into this Third 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 Third 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 TECHNOLOGY SERVICES LLC
					
	By:	  	/s/ William R. Nelson	  		 	By:	 	/s/ Daniel P. O’Brien
					
	Name:	  	William R. Nelson	  		 	Name:	 	Daniel P. O’Brien
					
	Title:	  	President - TRS	  		 	Title:	 	EVP & CFO

 Schedule A 
 [*]Letter 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. 
 January 12, 2010 
 RE: Program and Technology Agreements with Jackson Hewitt 
 Dear Harry: 
 As indicated in the December 31, 2009 letter to you from Santa Barbara Bank & Trust, a division of Pacific Capital Bank (the “Bank”), the Bank has been forced by its primary
banking regulator, the Office of the Comptroller of the Currency, to discontinue making RALs. The Bank has agreed to sell its refund anticipation loan (“RAL”)/refund transfer (or as you refer to it, assisted refunds) (“RT”) and
related tax products business (the “Business”) to our company Santa Barbara Tax Products Group, LLC (“TPG”). We have executed the definitive agreement to purchase the Business and, subject to regulatory approval, will close the
transaction during the week of January 11, 2010. TPG will be led by Rich Turner, with substantially the same employees, systems and procedures that were used last tax season. 
 In addition, TPG has entered into a definitive agreement with MetaBank, a federal savings bank, to provide RTs for the upcoming tax season through Jackson Hewitt Tax Service offices immediately upon
execution of this letter agreement and closing of the sale of the Business to TPG’s. As you know, MetaBank is experienced in the tax industry and has originated both RALs and RTs in the past. MetaBank has agreed that TPG will handle all
day-to-day management of the tax product program. Accordingly, you will continue to do business with largely the same staff and in the same manner as in the past. As for RALs, we and MetaBank will not be in a position to provide RALs unless funding
sources are obtained. We understand that you are continuing (as are we) to seek alternative funding sources for a RAL program and we will continue to use our commercially reasonable efforts to implement a RAL program for you this tax season if such
funding sources materialize. However, no assurances of such funding are given herein. 
 In order for TPG and MetaBank to provide tax products
to your customers, it is necessary to create a contractual relationship between TPG and you with respect to the tax products to be provided by TPG and MetaBank to your customers for the 2010 tax season. We believe the most efficient way to create
this agreement for the 2010 tax season is for you to consent to the assignment of the existing Program Agreement and Technology Services Agreement, each as previously entered into and amended, between you or your affiliates and the Bank (the
“Assumed Agreements”). By signing this letter and returning it to us, you consent to the respective assignments of, and we accept the respective assignments of and assume the obligations of, the Agreements for the 2010 tax season, as
modified by the terms

 January 12, 2010 
  Page
 2
 
  
 
of this letter. The assignment and assumption of the Assumed Agreements will be effective upon the closing of TPG’s purchase of the Business. The Assumed Agreements as assigned to us will be
deemed not to apply to RAL products until such time that we and you agree, in accordance with this letter, to provide RALs for the 2010 tax season. In such event, we and you agree to execute the appropriate mutually acceptable documentation to such
effect. 
 In accordance with the above assignment of the Agreements, the Assumed Agreements between you and us (1) will apply to the
offering of tax products in the upcoming tax season; and (2) be modified in the following manner (but will in no way alter the economic terms except as provided below): 
  

	 	•	 	 All references to the Bank will be deemed instead to refer to TPG. However, as set forth above, TPG has contracted with MetaBank to provide RT products
under the Assumed Agreement. Thus, any references to the Bank, in its capacity as RT provider, or lender (if RALs are provided) will be deemed to refer to MetaBank. 

  

	 	•	 	 Neither TPG nor MetaBank will have any liability to you whatsoever regarding prior tax seasons. In addition, TPG’s assumed obligations under the
Assumed Agreements only relate from this day forward and only to RT products offered by TPG during the 2010 tax season. 

  

	 	•	 	 The program shall be for up to 55% of your business as set forth in the Assumed Agreements and shall not include the states of Arkansas, Indiana, North
Carolina, Ohio, Pennsylvania, South Carolina or Virginia. 2010 federal customers under the Assumed Agreements shall be at least [*] and state customers shall be at least [*]. Since RALs are not available under our program at this time, you may seek
alternative arrangements for RALs and the corresponding RTs and in such event those offices will be excluded from the program. 

  

	 	•	 	 Under the Program Agreement we shall pay you [*]. Under the Technology Services Agreement we shall pay you [*]. Under the technology agreement, [*].

  

	 	•	 	 MetaBank is granted third-party beneficiary status under the Assumed Agreements to enforce the rights under the Assumed Agreements that relate to the
RAL and/or RT products it will provide through its agreement with TPG. 

  

	 	•	 	 Upon reasonable notice, MetaBank and the OTS will have the right to examine your books and records relating to your performance under the Assumed
Agreements and to discuss your performance with you and your staff. 

  

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 January 12, 2010 
  Page
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	 	•	 	 The force majeure provisions of the Assumed Agreements are modified such that, upon the occurrence of any significant event beyond the reasonable
control of a party that impairs such party’s ability to perform its obligations under the Assumed Agreements, you and TPG will work in good faith to develop a mutually agreed upon commercially reasonable resolution. However, if such a
resolution cannot be fashioned, either party will have the right to terminate the Assumed Agreements, and neither party thereto will have liability attributable to the event beyond a party’s reasonable control. 

  

	 	•	 	 [*] 

  

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 January 12, 2010 
  Page
 4
 
  
 By signing below,
you, on behalf of your affiliates and returning it to us, you agree to the terms above. 
  

	
	Very truly Yours,
	
	/s/ Douglas A. Burcombe
	
	Santa Barbara Tax Products Group, LLC

  

					
	CONSENTED AND AGREED TO:
	
	JACKSON HEWITT INC.
		
	By:	 	 /s/ Harry W. Buckley

		 	Name:	 	Harry W. Buckley
		 	Title:	 	President & CEO
	
	JACKSON HEWITT TECHNOLOGY SERVICES LLC
		
	By:	 	 /s/ Harry W. Buckley

		 	Name:	 	Harry W. Buckley
		 	Title:	 	President & CEO

  

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