Document:

exv10w38

 

EXHIBIT 10.38

CASH AMERICA INTERNATIONAL, INC.

SUPPLEMENT NO. 6 TO NOTE AGREEMENT

As of December 31, 2006

To the Persons Named on

Annex 1 Hereto

Ladies and Gentlemen:

     Cash America International, Inc., a Texas corporation (hereinafter, the “Company”), together
with its successors and assigns, agrees with you as follows:

1. PRELIMINARY STATEMENTS.

     1.1. Note Issuance, etc.

     The Company issued and sold $30,000,000 in aggregate principal amount of its 7.10% Senior
Notes due January 2, 2008 (as they may be amended, restated or otherwise modified from time to
time, the “Senior Notes”) pursuant to that certain Note Agreement, dated as of December 1, 1997 (as
amended by each of (i) that certain First Supplement to 1997 Note Agreement, dated as of December
31, 1998, (ii) that certain Second Supplement to 1997 Note Agreement, dated as of September 29,
1999, (iii) that certain Third Supplement to 1997 Note Agreement, dated as of June 30, 2000, (iv)
that certain Fourth Supplement to 1997 Note Agreement, dated as of September 30, 2001, and (v) that
certain Supplement No. 5 to Note Agreement, dated as of September 7, 2004, and as in effect
immediately prior to giving effect to the Amendments (as defined below) provided for hereby, the
“Existing Note Agreement”, and as amended hereby, the “Note Agreement”). The register for the
registration and transfer of the Senior Notes indicates that the parties named in Annex 1 (the
“Current Holders”) to this Supplement No. 6 to Note Agreement (this “Amendment Agreement”) are
currently the holders of the entire outstanding principal amount of the Senior Notes.

2. DEFINED TERMS.

     Capitalized terms used herein and not otherwise defined herein have the meanings ascribed to
them in the Note Agreement.

3. AMENDMENTS TO THE EXISTING NOTE AGREEMENT.

     Subject to Section 5, the Existing Note Agreement is amended as provided for by this Amendment
Agreement as follows:

     3.1. Section 2.01; Definitions. Section 2.01 of the Existing Note Agreement shall
be and is hereby amended by inserting into such Section, in its proper alphabetical order, the
following definition:

 

 

     ““Check Giant Earnout Liabilities” means current liabilities arising from the obligations of
the Company to pay the former holders of equity interests in the business operated by The
Check Giant LLC to the extent and only to the extent (i) such liabilities constitute a portion
of the consideration to be paid as earnout payments for the acquisition of such business, as more
particularly described in the January 22, 2007 memorandum from Austin Nettle to the holders of the
Notes, and (ii) the Company has unused lines of credit available to it that are equal to or greater
than such earnout payments at any date of calculation pursuant to Section 9.03.”

     3.2. Section 9.03; Current Assets to Current Liabilities Ratio. Section 9.03 of the
Existing Note Agreement shall be and is hereby amended and replaced in its entirety to read as
follows:

     “Section 9.03 Current Assets to Current Liabilities Ratio.

     The Company will not permit the ratio of (a) Consolidated Current Assets to (b)
Consolidated Current Liabilities (other than Check Giant Earnout Liabilities) to be less
than 3.5 to 1 as of the last day of any Fiscal Quarter ending on or after the Closing Date.”

Such amendments are referred to herein, collectively, as the “Amendments.”

4. REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

     To induce you to enter into this Amendment Agreement and to consent to the Amendments, the
Company represents and warrants to you as follows:

     4.1. Full Disclosure.

     Neither the financial statements and other certificates previously provided to each of the
Current Holders pursuant to the provisions of the Existing Note Agreement nor the statements made
in this Amendment Agreement nor any other written statements furnished to each of the Current
Holders by or on behalf of the Company in connection with the proposal and negotiation of the
transactions contemplated hereby (including, without limitation, the January 22, 2007 memorandum
from Austin Nettle to the holders of the Senior Notes in the form attached hereto as Exhibit
B describing the Check Giant Earnout Liabilities), taken as a whole, contained any untrue
statement of a material fact or omitted a material fact necessary to make the statements contained
therein and herein not misleading, in each case as of the time such financial statements or
certificates were provided or such statements were made or furnished. There is no fact known to
the Company relating to any event or circumstance that has occurred or arisen since the Closing
Date that the Company has not disclosed to each of the Current Holders in writing that has had or,
so far as the Company can now reasonably foresee, could reasonably be expected to have, a Material
Adverse Effect.

     4.2. Power and Authority.

     The Company has all requisite corporate power and authority to enter into and perform its
obligations under this Amendment Agreement.

2

 

     4.3. Due Authorization.

     This Amendment Agreement has been duly authorized by all necessary action on the part of the
Company, has been executed and delivered by a duly authorized officer of the Company, and
constitutes a legal, valid and binding obligation of the Company, enforceable in accordance with
its terms, except that enforceability may be limited by applicable bankruptcy, reorganization,
arrangement, insolvency, moratorium, or other similar laws affecting the enforceability of
creditors’ rights generally and subject to the availability of equitable remedies.

     4.4. No Defaults.

     No event has occurred and no condition exists that, upon the execution and delivery of this
Amendment Agreement, would constitute a Default or an Event of Default.

5. EFFECTIVENESS OF AMENDMENTS.

     The Amendments shall become effective as of the first date written above (the “Effective
Date”) upon the satisfaction of all of the following conditions precedent:

     5.1. Execution and Delivery of this Amendment Agreement.

     The Company and each of the Current Holders shall have executed and delivered this Amendment
Agreement.

     5.2. Guarantors.

     Each Guarantor which delivered a Joint and Several Guaranty shall have executed and delivered
to you the Consent and Reaffirmation attached hereto as Exhibit A.

     5.3. Fees and Expenses.

     Whether or not the Amendments become effective, the Company will promptly (and in any event
within thirty Business Days of receiving any statement or invoice therefor) pay all reasonable
fees, expenses and costs relating to this Amendment Agreement, including, but not limited to, the
reasonable fees of your special counsel, Bingham McCutchen LLP, incurred in connection with the
preparation, negotiation and delivery of this Amendment Agreement and any other documents related
hereto. Nothing in this Section shall limit the Company’s obligations pursuant to Section 11.02 of
the Note Agreement.

6. MISCELLANEOUS.

     6.1. Part of Existing Note Agreement; Future References, etc.

     This Amendment Agreement shall be construed in connection with and as a part of the Existing
Note Agreement and, except as expressly amended by this Amendment Agreement, all terms, conditions
and covenants contained in the Existing Note Agreement are hereby ratified and shall be and remain
in full force and effect. Any and all notices, requests, certificates and

3

 

other instruments
executed and delivered after the execution and delivery of this Amendment
Agreement may refer to the Existing Note Agreement without making specific reference to this
Amendment Agreement, but nevertheless all such references shall include this Amendment Agreement
unless the context otherwise requires.

     6.2. Counterparts.

     This Amendment Agreement may be executed in any number of counterparts, each of which shall be
an original but all of which together shall constitute one instrument. Each counterpart may
consist of a number of copies hereof, each signed by less than all, but together signed by all, of
the parties hereto.

     6.3. Governing Law.

     THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND THE RIGHTS OF
THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE OF NEW YORK EXCLUDING CHOICE-OF-LAW
PRINCIPLES OF THE LAW OF SUCH STATE THAT WOULD REQUIRE THE APPLICATION OF THE LAWS OF A
JURISDICTION OTHER THAN NEW YORK.

[Remainder of page intentionally left blank; next page is signature page.]

4

 

     If you are in agreement with the foregoing, please so indicate by signing the acceptance below
on the accompanying counterpart of this agreement and returning it to the Company, whereupon it
will become a binding agreement among you and the Company.

	 	 	 	 	 
	 	 	CASH AMERICA INTERNATIONAL, INC.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
	 

	 	 	 	 
	 	 	Name: Austin D. Nettle
	 	 	Title: Vice President and Treasurer

     The foregoing Amendment Agreement is hereby accepted as of the date first above written. By
its execution below, each of the undersigned represents that it is either the registered owner of
one or more of the Senior Notes or is the beneficial owner of one or more of the Senior Notes and
is authorized to enter into this Amendment Agreement in respect thereof.

METLIFE INSURANCE COMPANY OF CONNECTICUT

METLIFE LIFE AND ANNUITY COMPANY OF CONNECTICUT

	 	 	 	 	 
	By:

	 	/s/ Judith A. Gulotta
 

	 	 
	Name: Judith A. Gulotta	 	 
	Title: Vice President	 	 

PRIMERICA LIFE INSURANCE COMPANY

By: Conning Asset Management Company, its investment manager

	 	 	 	 	 
	By:

	 	/s/ Robert M. Mills
 

	 	 
	Name: Robert M. Mills	 	 
	Title: Vice President	 	 

[Signature Page to Supplement No. 6 to 1997 Note Agreement]

 

 

	 	 	 	 	 
	NATIONWIDE LIFE INSURANCE COMPANY	 	 
	 
	 	 	 	 
	By:

	 	/s/ Joseph P. Young
 

	 	 
	Name: Joseph P. Young	 	 
	Title: Authorized Signatory	 	 

NATIONWIDE LIFE INSURANCE COMPANY

(as successor to Employers Life Insurance Company

of Wausau)

	 	 	 	 	 
	By:

	 	/s/ Joseph P. Young
 

	 	 
	Name: Joseph P. Young	 	 
	Title: Authorized Signatory	 	 

OHIO NATIONAL LIFE ASSURANCE CORPORATION

	 	 	 	 	 
	By:

	 	/s/ Jed R. Martin
 

	 	 
	Name: Jed R. Martin	 	 
	Title: Vice President, Private Placements	 	 

MINNESOTA LIFE INSURANCE COMPANY

By: Advantus Capital Management, Inc.

	 	 	 	 	 
	By:

	 	/s/ Joseph R. Betlej
 

	 	 
	Name: Joseph R. Betlej	 	 
	Title: Vice President	 	 

[Signature Page to Supplement No. 6 to 1997 Note Agreement]

 

 

Annex 1

CURRENT HOLDERS

MetLife Insurance Company of Connecticut

MetLife Life and Annuity Company of Connecticut

Primerica Life Insurance Company

Nationwide Life Insurance Company

Employers Life Insurance Company of Wausau

Ohio National Life Assurance Corporation

The Minnesota Mutual Life Insurance Company

 

 

Exhibit A

CONSENT AND REAFFIRMATION

     Each of the undersigned (the “Guarantors”) hereby (i) acknowledges receipt of a copy of the
foregoing Supplement No. 6 to Note Agreement (the “Sixth Amendment”); (ii) consents to the
Company’s execution and delivery thereof; (iii) agrees to be bound thereby; (iv) affirms that
nothing contained therein shall modify in any respect whatsoever its guaranty of the obligations of
the Company to the holders of the Senior Notes pursuant to the terms of those certain Joint and
Several Guaranties, entered into by the Guarantors pursuant to the terms of the Note Agreement
(collectively, the “Guaranty”); and (v) reaffirms that the Guaranty is and shall continue to remain
in full force and effect. Although each of the Guarantors has been informed of the matters set
forth herein and in the Sixth Amendment and has acknowledged and agreed to the same, such
Guarantors understand that the holders of the Senior Notes have no obligation to inform any of the
Guarantors of such matters in the future or to seek any of the Guarantors’ acknowledgment or
agreement to future amendments or waivers, and nothing herein shall create such a duty.
Capitalized terms used in this Consent and Reaffirmation and not otherwise defined herein have the
meanings ascribed to them in the Sixth Amendment.

 

 

     In witness whereof, each of the undersigned has executed this Consent and Reaffirmation
on and as of the date of such Sixth Amendment.

GUARANTORS

CASH AMERICA NET HOLDINGS, LLC

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

CASH AMERICA, INC. OF COLORADO

	 	 	 	 	 	 	 
	 

	 	By
	 	/s/ David J. Clay
 

	 	 
	 	 	Name: David J. Clay	 	 
	 	 	Title: Vice President, Secretary and Treasurer	 	 

BRONCO PAWN & GUN, INC.

CASH AMERICA ADVANCE, INC.

CASH AMERICA FINANCIAL SERVICES, INC.

CASH AMERICA FRANCHISING, INC.

CASH AMERICA HOLDING, INC.

CASH AMERICA, INC.

CASH AMERICA, INC. OF ALABAMA

CASH AMERICA, INC. OF ALASKA

CASH AMERICA, INC. OF ILLINOIS

CASH AMERICA, INC. OF INDIANA

CASH AMERICA, INC. OF KENTUCKY

CASH AMERICA, INC. OF LOUISIANA

CASH AMERICA, INC. OF NEVADA

CASH AMERICA, INC. OF NORTH CAROLINA

CASH AMERICA, INC. OF OKLAHOMA

CASH AMERICA, INC. OF SOUTH CAROLINA

CASH AMERICA, INC. OF TENNESSEE

CASH AMERICA, INC. OF UTAH

CASH AMERICA, INC. OF VIRGINIA

CASH AMERICA MANAGEMENT L.P.,

by its general partner, CASH AMERICA HOLDING, INC.

CASH AMERICA OF MISSOURI, INC.

CASH AMERICA PAWN L.P.,

by its general partner, CASH AMERICA HOLDING, INC.

[Signature Page to Guarantor Consent and Reaffirmation — Supplement No. 6 to 1997 Note Agreement]

 

 

CASH AMERICA PAWN, INC. OF OHIO

CASHLAND FINANCIAL SERVICES, INC.

DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.

EXPRESS CASH INTERNATIONAL CORPORATION

FLORIDA CASH AMERICA, INC.

GEORGIA CASH AMERICA, INC.

GAMECOCK PAWN & GUN, INC.

HORNET PAWN & GUN, INC.

LONGHORN PAWN AND GUN, INC.

MR. PAYROLL CORPORATION

RATI HOLDING, INC.

TIGER PAWN & GUN, INC.

UPTOWN CITY PAWNERS, INC.

VINCENT’S JEWELERS AND LOAN, INC.

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

CASH AMERICA NET OF ALABAMA, LLC

CASH AMERICA NET OF ALASKA, LLC

CASH AMERICA NET OF ARIZONA, LLC

CASH AMERICA NET OF CALIFORNIA, LLC

CASH AMERICA NET OF COLORADO, LLC

CASH AMERICA NET OF DELAWARE, LLC

CASH AMERICA NET OF FLORIDA, LLC

CASH AMERICA NET OF HAWAII, LLC

CASH AMERICA NET OF IDAHO, LLC

CASH AMERICA NET OF ILLINOIS, LLC

CASH AMERICA NET OF INDIANA, LLC

CASH AMERICA NET OF IOWA, LLC

CASH AMERICA NET OF KANSAS, LLC

CASH AMERICA NET OF LOUISIANA, LLC

CASH AMERICA NET OF MICHIGAN, LLC

CASH AMERICA NET OF MINNESOTA, LLC

CASH AMERICA NET OF MISSOURI, LLC

CASH AMERICA NET OF MONTANA, LLC

CASH AMERICA NET OF NEBRASKA, LLC

CASH AMERICA NET OF NEVADA, LLC

CASH AMERICA NET OF NEW HAMPSHIRE, LLC

CASH AMERICA NET OF NEW MEXICO, LLC

CASH AMERICA NET OF NORTH DAKOTA, LLC

CASH AMERICA NET OF OHIO, LLC

[Signature Page to Guarantor Consent and Reaffirmation — Supplement No. 6 to 1997 Note Agreement]

 

 

CASH AMERICA NET OF OKLAHOMA, LLC

CASH AMERICA NET OF OREGON, LLC

CASH AMERICA NET OF PA, LLC

CASH AMERICA NET OF PENNSYLVANIA, LLC

CASH AMERICA NET OF RHODE ISLAND, LLC

CASH AMERICA NET OF SOUTH DAKOTA, LLC

CASH AMERICA NET OF TEXAS, LLC

CASH AMERICA NET OF UTAH, LLC

CASH AMERICA NET OF VIRGINIA, LLC,

CASH AMERICA NET OF WASHINGTON, LLC

CASH AMERICA NET OF WISCONSIN, LLC

CASH AMERICA NET OF WYOMING, LLC

CASHNETUSA CO, LLC

CASHNETUSA OR, LLC

THE CHECK GIANT NM, LLC,

by their Manager, CASH AMERICA NET HOLDINGS, LLC

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

[Signature Page to Guarantor Consent and Reaffirmation — Supplement No. 6 to 1997 Note Agreement]

 

 

Exhibit B

MEMORANDUM FROM AUSTIN NETTLE

TO THE HOLDERS OF THE SENIOR NOTES

Attached.exv10w39

 

EXHIBIT 10.39

CASH AMERICA INTERNATIONAL, INC.

AMENDMENT NO. 2 TO NOTE AGREEMENT

As of December 31, 2006

To the Persons Named on

Annex 1 Hereto

Ladies and Gentlemen:

     Cash America International, Inc., a Texas corporation (hereinafter, the “Company”), together
with its successors and assigns, agrees with you as follows:

1. PRELIMINARY STATEMENTS.

     1.1. Note Issuance, etc.

     The Company issued and sold $42,500,000 in aggregate principal amount of its 7.20% Senior
Notes due August 12, 2009 (as they may be amended, restated or otherwise modified from time to
time, the “Senior Notes”) pursuant to that certain Note Agreement, dated as of August 12, 2002 (as
amended by that certain Amendment No. 1 to Note Agreement, dated as of September 7, 2004, and as in
effect immediately prior to giving effect to the Amendments (as defined below) provided for hereby,
the “Existing Note Agreement”, and as amended hereby, the “Note Agreement”). The register for the
registration and transfer of the Senior Notes indicates that the parties named in Annex 1 (the
“Current Holders”) to this Amendment No. 2 to Note Agreement (this “Amendment Agreement”) are
currently the holders of the entire outstanding principal amount of the Senior Notes.

2. DEFINED TERMS.

     Capitalized terms used herein and not otherwise defined herein have the meanings ascribed to
them in the Note Agreement.

3. AMENDMENTS TO THE EXISTING NOTE AGREEMENT.

     Subject to Section 5, the Existing Note Agreement is amended as provided for by this Amendment
Agreement as follows:

     3.1. Section 2.01; Definitions. Section 2.01 of the Existing Note Agreement shall
be and is hereby amended by inserting into such Section, in its proper alphabetical order, the
following definition:

     ““Check Giant Earnout Liabilities” means current liabilities arising from the obligations of
the Company to pay the former holders of equity interests in the business operated by The Check
Giant LLC to the extent and only to the extent (i) such liabilities constitute a portion of the
consideration to be paid as earnout payments for the acquisition of such business, as more
particularly described in the January 22, 2007 memorandum from Austin Nettle to the holders

 

 

of the Notes, and (ii) the Company has unused lines of credit available to it that are equal
to or greater than such earnout payments at any date of calculation pursuant to Section 9.03.”

     3.2. Section 9.03; Current Assets to Current Liabilities Ratio. Section 9.03 of the
Existing Note Agreement shall be and is hereby amended and replaced in its entirety to read as
follows:

     “Section 9.03 Current Assets to Current Liabilities Ratio.

     The Company will not permit the ratio of (a) Consolidated Current Assets to (b)
Consolidated Current Liabilities (other than Check Giant Earnout Liabilities) to be less
than 3.5 to 1 as of the last day of any Fiscal Quarter ending on or after the Closing Date.”

Such amendments are referred to herein, collectively, as the “Amendments.”

4. REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

     To induce you to enter into this Amendment Agreement and to consent to the Amendments, the
Company represents and warrants to you as follows:

     4.1. Full Disclosure.

     Neither the financial statements and other certificates previously provided to each of the
Current Holders pursuant to the provisions of the Existing Note Agreement nor the statements made
in this Amendment Agreement nor any other written statements furnished to each of the Current
Holders by or on behalf of the Company in connection with the proposal and negotiation of the
transactions contemplated hereby (including, without limitation, the January 22, 2007 memorandum
from Austin Nettle to the holders of the Senior Notes in the form attached hereto as Exhibit
B describing the Check Giant Earnout Liabilities), taken as a whole, contained any untrue
statement of a material fact or omitted a material fact necessary to make the statements contained
therein and herein not misleading, in each case as of the time such financial statements or
certificates were provided or such statements were made or furnished. There is no fact known to
the Company relating to any event or circumstance that has occurred or arisen since the Closing
Date that the Company has not disclosed to each of the Current Holders in writing that has had or,
so far as the Company can now reasonably foresee, could reasonably be expected to have, a Material
Adverse Effect.

     4.2. Power and Authority.

     The Company has all requisite corporate power and authority to enter into and perform its
obligations under this Amendment Agreement.

     4.3. Due Authorization.

     This Amendment Agreement has been duly authorized by all necessary action on the part of the
Company, has been executed and delivered by a duly authorized officer of the Company, and
constitutes a legal, valid and binding obligation of the Company, enforceable in accordance

2

 

with its terms, except that enforceability may be limited by applicable bankruptcy,
reorganization, arrangement, insolvency, moratorium, or other similar laws affecting the
enforceability of creditors’ rights generally and subject to the availability of equitable
remedies.

     4.4. No Defaults.

     No event has occurred and no condition exists that, upon the execution and delivery of this
Amendment Agreement, would constitute a Default or an Event of Default.

5. EFFECTIVENESS OF AMENDMENTS.

     The Amendments shall become effective as of the first date written above (the “Effective
Date”) upon the satisfaction of all of the following conditions precedent:

     5.1. Execution and Delivery of this Amendment Agreement.

     The Company and each of the Current Holders shall have executed and delivered this Amendment
Agreement.

     5.2. Guarantors.

     Each Guarantor which delivered a Joint and Several Guaranty shall have executed and delivered
to you the Consent and Reaffirmation attached hereto as Exhibit A.

     5.3. Fees and Expenses.

     Whether or not the Amendments become effective, the Company will promptly (and in any event
within thirty Business Days of receiving any statement or invoice therefor) pay all reasonable
fees, expenses and costs relating to this Amendment Agreement, including, but not limited to, the
reasonable fees of your special counsel, Bingham McCutchen LLP, incurred in connection with the
preparation, negotiation and delivery of this Amendment Agreement and any other documents related
hereto. Nothing in this Section shall limit the Company’s obligations pursuant to Section 11.02 of
the Note Agreement.

6. MISCELLANEOUS.

     6.1. Part of Existing Note Agreement; Future References, etc.

     This Amendment Agreement shall be construed in connection with and as a part of the Existing
Note Agreement and, except as expressly amended by this Amendment Agreement, all terms, conditions
and covenants contained in the Existing Note Agreement are hereby ratified and shall be and remain
in full force and effect. Any and all notices, requests, certificates and other instruments
executed and delivered after the execution and delivery of this Amendment
Agreement may refer to the Existing Note Agreement without making specific reference to this Amendment Agreement, but
nevertheless all such references shall include this Amendment Agreement unless the context
otherwise requires.

3

 

     6.2. Counterparts.

     This Amendment Agreement may be executed in any number of counterparts, each of which shall be
an original but all of which together shall constitute one instrument. Each counterpart may
consist of a number of copies hereof, each signed by less than all, but together signed by all, of
the parties hereto.

     6.3. Governing Law.

     THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND THE RIGHTS OF
THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE OF NEW YORK EXCLUDING CHOICE-OF-LAW
PRINCIPLES OF THE LAW OF SUCH STATE THAT WOULD REQUIRE THE APPLICATION OF THE LAWS OF A
JURISDICTION OTHER THAN NEW YORK.

[Remainder of page intentionally left blank; next page is signature page.]

4

 

     If you are in agreement with the foregoing, please so indicate by signing the acceptance below
on the accompanying counterpart of this agreement and returning it to the Company, whereupon it
will become a binding agreement among you and the Company.

	 	 	 	 	 
	 	 	CASH AMERICA INTERNATIONAL, INC.
	 
	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
	 

	 	 	 	 
	 	 	Name: Austin D. Nettle
	 	 	Title: Vice President and Treasurer

     The foregoing Amendment Agreement is hereby accepted as of the date first above written. By
its execution below, each of the undersigned represents that it is either the registered owner of
one or more of the Senior Notes or is the beneficial owner of one or more of the Senior Notes and
is authorized to enter into this Amendment Agreement in respect thereof.

TEACHERS INSURANCE AND ANNUITY

ASSOCIATION OF AMERICA

	 	 	 	 	 
	By:

	 	/s/ Sharon Manewitz
 

	 	 
	Name: Sharon Manewitz	 	 
	Title: Managing Director, Special Situations	 	 
	 
	 	 	 	 
	MINNESOTA LIFE INSURANCE COMPANY	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ Theodore Hoxmeier
 

	 	 
	Name: Theodore Hoxmeier	 	 
	Title: Vice President	 	 

[Signature Page to Amendment No. 2 to 2002 Note Agreement]

 

 

	 	 	 	 	 
	FARM BUREAU LIFE INSURANCE COMPANY	 	 
	OF MICHIGAN	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ John Leiviska
 

	 	 
	Name: John Leiviska	 	 
	Title: Vice President	 	 
	 
	 	 	 	 
	AMERICAN FIDELITY ASSURANCE COMPANY	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ John Leiviska
 

	 	 
	Name: John Leiviska	 	 
	Title: Vice President	 	 
	 
	 	 	 	 
	GREAT WESTERN INSURANCE COMPANY	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ Steven R. Lane
 

	 	 
	Name: Steven R. Lane	 	 
	Title: Vice President	 	 
	 
	 	 	 	 
	FARM BUREAU MUTUAL INSURANCE COMPANY	 	 
	OF MICHIGAN	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ Robert W. Thompson
 

	 	 
	Name: Robert W. Thompson	 	 
	Title: Vice President	 	 

[Signature Page to Amendment No. 2 to 2002 Note Agreement]

 

 

	 	 	 	 	 
	FARM BUREAU GENERAL INSURANCE COMPANY	 	 
	OF MICHIGAN	 	 
	By:

	 	Advantus Capital Management, Inc.	 	 
	 
	 	 	 	 
	By:

	 	/s/ James F. Geiger
 

	 	 
	Name: James F. Geiger	 	 
	Title: Vice President	 	 
	 
	 	 	 	 
	METLIFE INSURANCE COMPANY OF CONNECTICUT	 	 
	 
	 	 	 	 
	By:

	 	/s/ Judith A. Gulotta
 

	 	 
	Name: Judith A. Gulotta	 	 
	Title: Vice President	 	 
	 
	 	 	 	 

MTL INSURANCE COMPANY

By: Prudential Private Placement Investors, L.P. (as Investment Advisor)

By: Prudential Private Placement Investors, Inc. (as its General Partner)

	 	 	 	 	 
	By:

	 	/s/ Brian E. Lemosn
 

	 	 
	Name: Brian E. Lemons	 	 
	Title: Vice President	 	 

[Signature Page to Amendment No. 2 to 2002 Note Agreement]

 

 

Annex 1

CURRENT HOLDERS

Teachers Insurance and Annuity Association of America

Minnesota Life Insurance Company

Farm Bureau Life Insurance Company of Michigan

MTL Insurance Company

American Fidelity Assurance Company

Great Western Insurance Company

Farm Bureau Mutual Insurance Company of Michigan

Farm Bureau General Insurance Company of Michigan

MetLife Insurance Company of Connecticut

 

 

Exhibit A

CONSENT AND REAFFIRMATION

     Each of the undersigned (the “Guarantors”) hereby (i) acknowledges receipt of a copy of the
foregoing Amendment No. 2 to Note Agreement (the “Second Amendment”); (ii) consents to the
Company’s execution and delivery thereof; (iii) agrees to be bound thereby; (iv) affirms that
nothing contained therein shall modify in any respect whatsoever its guaranty of the obligations of
the Company to the holders of the Senior Notes pursuant to the terms of those certain Joint and
Several Guaranties, entered into by the Guarantors pursuant to the terms of the Note Agreement
(collectively, the “Guaranty”); and (v) reaffirms that the Guaranty is and shall continue to remain
in full force and effect. Although each of the Guarantors has been informed of the matters set
forth herein and in the Second Amendment and has acknowledged and agreed to the same, such
Guarantors understand that the holders of the Senior Notes have no obligation to inform any of the
Guarantors of such matters in the future or to seek any of the Guarantors’ acknowledgment or
agreement to future amendments or waivers, and nothing herein shall create such a duty.
Capitalized terms used in this Consent and Reaffirmation and not otherwise defined herein have the
meanings ascribed to them in the Second Amendment.

 

 

     In witness whereof, each of the undersigned has executed this Consent and Reaffirmation
on and as of the date of such Second Amendment.

GUARANTORS

CASH AMERICA NET HOLDINGS, LLC

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

CASH AMERICA, INC. OF COLORADO

	 	 	 	 	 	 	 
	 

	 	By
	 	/s/ David J. Clay
 

	 	 
	 	 	Name: David J. Clay	 	 
	 	 	Title: Vice President, Secretary and Treasurer	 	 

BRONCO PAWN & GUN, INC.

CASH AMERICA ADVANCE, INC.

CASH AMERICA FINANCIAL SERVICES, INC.

CASH AMERICA FRANCHISING, INC.

CASH AMERICA HOLDING, INC.

CASH AMERICA, INC.

CASH AMERICA, INC. OF ALABAMA

CASH AMERICA, INC. OF ALASKA

CASH AMERICA, INC. OF ILLINOIS

CASH AMERICA, INC. OF INDIANA

CASH AMERICA, INC. OF KENTUCKY

CASH AMERICA, INC. OF LOUISIANA

CASH AMERICA, INC. OF NEVADA

CASH AMERICA, INC. OF NORTH CAROLINA

CASH AMERICA, INC. OF OKLAHOMA

CASH AMERICA, INC. OF SOUTH CAROLINA

CASH AMERICA, INC. OF TENNESSEE

CASH AMERICA, INC. OF UTAH

CASH AMERICA, INC. OF VIRGINIA

CASH AMERICA MANAGEMENT L.P.,

   by its general partner, CASH AMERICA HOLDING, INC.

[Signature Page to Guarantor Consent and Reaffirmation — Amendment No. 2 to 2002 Note Agreement]

 

 

CASH AMERICA OF MISSOURI, INC.

CASH AMERICA PAWN L.P.,

   by its general partner, CASH AMERICA HOLDING, INC.

CASH AMERICA PAWN, INC. OF OHIO

CASHLAND FINANCIAL SERVICES, INC.

DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.

EXPRESS CASH INTERNATIONAL CORPORATION

FLORIDA CASH AMERICA, INC.

GEORGIA CASH AMERICA, INC.

GAMECOCK PAWN & GUN, INC.

HORNET PAWN & GUN, INC.

LONGHORN PAWN AND GUN, INC.

MR. PAYROLL CORPORATION

RATI HOLDING, INC.

TIGER PAWN & GUN, INC.

UPTOWN CITY PAWNERS, INC.

VINCENT’S JEWELERS AND LOAN, INC.

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

CASH AMERICA NET OF ALABAMA, LLC

CASH AMERICA NET OF ALASKA, LLC

CASH AMERICA NET OF ARIZONA, LLC

CASH AMERICA NET OF CALIFORNIA, LLC

CASH AMERICA NET OF COLORADO, LLC

CASH AMERICA NET OF DELAWARE, LLC

CASH AMERICA NET OF FLORIDA, LLC

CASH AMERICA NET OF HAWAII, LLC

CASH AMERICA NET OF IDAHO, LLC

CASH AMERICA NET OF ILLINOIS, LLC

CASH AMERICA NET OF INDIANA, LLC

CASH AMERICA NET OF IOWA, LLC

CASH AMERICA NET OF KANSAS, LLC

CASH AMERICA NET OF LOUISIANA, LLC

CASH AMERICA NET OF MICHIGAN, LLC

CASH AMERICA NET OF MINNESOTA, LLC

[Signature Page to Guarantor Consent and Reaffirmation — Amendment No. 2 to 2002 Note Agreement]

 

 

CASH AMERICA NET OF MISSOURI, LLC

CASH AMERICA NET OF MONTANA, LLC

CASH AMERICA NET OF NEBRASKA, LLC

CASH AMERICA NET OF NEVADA, LLC

CASH AMERICA NET OF NEW HAMPSHIRE, LLC

CASH AMERICA NET OF NEW MEXICO, LLC

CASH AMERICA NET OF NORTH DAKOTA, LLC

CASH AMERICA NET OF OHIO, LLC

CASH AMERICA NET OF OKLAHOMA, LLC

CASH AMERICA NET OF OREGON, LLC

CASH AMERICA NET OF PA, LLC

CASH AMERICA NET OF PENNSYLVANIA, LLC

CASH AMERICA NET OF RHODE ISLAND, LLC

CASH AMERICA NET OF SOUTH DAKOTA, LLC

CASH AMERICA NET OF TEXAS, LLC

CASH AMERICA NET OF UTAH, LLC

CASH AMERICA NET OF VIRGINIA, LLC,

CASH AMERICA NET OF WASHINGTON, LLC

CASH AMERICA NET OF WISCONSIN, LLC

CASH AMERICA NET OF WYOMING, LLC

CASHNETUSA CO, LLC

CASHNETUSA OR, LLC

THE CHECK GIANT NM, LLC,

by their Manager, CASH AMERICA NET HOLDINGS, LLC

	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Austin D. Nettle
 

	 	 
	 	 	Name: Austin D. Nettle	 	 
	 	 	Title: Vice President and Treasurer	 	 

[Signature
Page to Guarantor Consent and Reaffirmation — Amendment No. 2 to 2002 Note Agreement]

 

 

Exhibit B

MEMORANDUM FROM AUSTIN NETTLE

TO THE HOLDERS OF THE SENIOR NOTES

Attached.

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