Document:

FCFS CREDIT AGREEMENT

EXHIBIT 10.19

Loan No. ________

JPMORGAN CHASE BANK, N.A.

FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

THIS FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (the "First Amendment") is dated to be effective as of February 28, 2012, between FIRST CASH FINANCIAL SERVICES, INC. ("Borrower") and JPMORGAN CHASE BANK, N.A. ("Lender").

W I T N E S S E T H:

WHEREAS, Borrower and Lender are parties to that certain Amended and Restated Credit Agreement dated as of April 30, 2010 ( the "Loan Agreement"); and

WHEREAS, Borrower and Lender desire to amend the Loan Agreement by this First Amendment to reflect the agreements and amendments as set forth below.

NOW, THEREFORE, for and in consideration of the above premises and for other good and valuable consideration, the parties hereto agree as follows:

1.

Definitions.  All capitalized terms defined in the Loan Agreement and not otherwise defined in this First Amendment shall have the same meanings as assigned to them in the Loan Agreement when used in this First Amendment, unless the context hereof shall otherwise require or provide.  

2.

Representations and Warranties.  In order to induce Lender to enter into this First Amendment, Borrower represents and warrants to Lender that:

A.

Borrower has the requisite corporate authority to execute, deliver and perform the terms and provisions of this First Amendment and the Loan Agreement as amended by this First Amendment, and Borrower has taken all corporate and other action necessary to authorize such matters; and

B.

This First Amendment and the Loan Agreement, as amended hereby, are the legal and binding obligations of Borrower, enforceable in accordance with their respective terms, except as limited by bankruptcy, insolvency or other laws of general application relating to the enforcement of creditors' rights; and

C.

All of the representations and warranties of Borrower in the Loan Agreement, as amended by this First Amendment, are true and correct as of the date hereof.

3.

Amendments to Loan Agreement. The Loan Agreement is amended in the following manner:

(a)

The following definitions are amended and shall read in their entirety as follows:

"'Aggregate Commitment' means the aggregate of the Commitments of all Lenders, as increased and/or reduced from time to time pursuant to the terms hereof, which as of the Renewal Date shall be equal to Fifty Million and no/100 Dollars ($50,000,000.00)."

"'Facility Termination Date' means February 28, 2015, or any earlier date on which the Aggregate Commitment is reduced to zero or otherwise terminated pursuant to the terms hereof."

"'Fixed Charge Coverage Ratio' means (a) for each compliance reporting period ending in calendar year 2012, for the preceding four (4) fiscal quarters, the ratio of (i) Consolidated Net Income plus Consolidated Interest Expense plus Change in Deferred Taxes plus Consolidated Rentals plus $25,000,000.00 less cash dividends less stock repurchases to (ii) Current Maturities of Long Term Debt plus Consolidated Interest Expense, plus Consolidated Rentals, and (b) for each compliance reporting period ending after December 31, 2012, for the preceding four (4) fiscal quarters, the ratio of (y) Consolidated Net Income plus Consolidated Interest Expense plus Change in Deferred Taxes plus Consolidated Rentals less cash dividends less stock repurchases to (z) Current Maturities of Long Term Debt plus Consolidated Interest Expense, plus Consolidated Rentals."

"Guarantors@ means, collectively, Famous Pawn, Inc., First Cash, Inc., First Cash Corp., First Cash, Ltd., First Cash Management, L.L.C., FCFS MO, Inc., FCFS SC, Inc.,  FCFS OK, Inc.,  First Cash Credit, Ltd., First Cash Credit Management, L.L.C., SHAC, LLC, First Cash, S.A. de C.V., American Loan Employee Services, S.A de C.V., Cardplus, Inc., King Pawn, Inc., King Pawn II, Inc., College Park Jewelers, Inc., Maryland Precious Metals, Inc., FCFS IN, Inc., Cash & Go, S.A. de C.V., All Access Special Events, LLC, T.J. Unlimited, LLC, and their successors and assigns, and 'Guarantor' means any of the Guarantors.

"'Letter of Credit Sublimit' means, with regard to the Letters of Credit, the aggregate amount of $20,000,000.00.  The Letter of Credit Sublimit is part of, and not in addition to, the Aggregate Commitment." 

"'Renewal Date' means February 28, 2012."

(b)

Section 2.19(a) of the Loan Agreement is amended to read in its entirety as follows:

"(a)

Request for Increase.  Provided there exists no Default or Unmatured Default, upon notice to the Agent (which shall promptly notify the Lenders), the Borrower may from time to time, request an increase in the Aggregate Commitment by an amount (for all such requests) not exceeding $50,000,000.00, provided that (i) any such request for an increase shall be in a minimum amount of $5,000,000.00, and (ii) the Borrower may make a maximum of three (3) such requests between the Renewal Date and the Facility Termination Date.  At the time of sending such notice, the Borrower (in consultation with the Agent) shall specify the time period within which each Lender is requested to respond (which shall in no event be less than ten [10] Business Days from the date of delivery of such notice to the Lenders)."

(c)

Section 2.20(g) of the Loan Agreement is amended to read in its entirety as follows:

"(g)

Letter of Credit Fees.  The Borrower shall pay to the Agent for the account of each Lender in accordance with its Pro Rata Share a Letter of Credit fee for each Letter of Credit equal to the Eurodollar Rate Applicable Margin (on the basis of 365 or 366 day year, as applicable) times the actual daily maximum amount available to be drawn under each such Letter of Credit.  Such fee for each Letter of Credit shall be due and payable quarterly in arrears on the fifteenth (15th) day following the last day of each of the Borrower=s fiscal quarters, commencing with the first such date to occur after the issuance of such Letter of Credit, and on the Facility Termination Date.  If there is any change in the Eurodollar Rate Applicable Margin during any fiscal quarter, the actual daily amount of each Letter of Credit shall be computed and multiplied by the Eurodollar Rate Applicable Margin separately for each period during such quarter that such Eurodollar Rate Applicable Margin was in effect." 

(d)

Section 5.4 of the Loan Agreement is amended to read in its entirety as follows:

"5.4.

Financial Statements.  The September 30, 2011 consolidated financial statements of the Borrower and its Subsidiaries heretofore delivered to the Lenders were prepared in accordance with Agreement Accounting Principles in effect on the date such statements were prepared and fairly present the consolidated financial condition and operations of the Borrower and its Subsidiaries at such date and the consolidated results of their operations for the period then ended."

(e)

Section 5.5 of the Loan Agreement is amended to read in its entirety as follows:

"5.5.

Material Adverse Change.  Since September 30, 2011, there has been no change in the business, Property, condition (financial or otherwise) or results of operations of the Borrower and its Subsidiaries which could reasonably be expected to have a Material Adverse Effect."

(f)

Section 6.11 of the Loan Agreement is amended to read in its entirety as follows:

"6.11.

Indebtedness.  The Borrower will not, nor will it permit any Subsidiary to, create, incur or suffer to exist any Indebtedness, except for (a) the Loans, (b) trade debt incurred in the ordinary course of business, (c) intercompany Indebtedness, (d) endorsements of negotiable instruments in the ordinary course of business, (e) Indebtedness described in Schedule 2, (f) Subordinated Indebtedness permitted by all of the Lenders, (g) Subordinated Indebtedness which in the aggregate does not exceed the Consolidated EBITDA for the trailing twelve (12) month period, (h) contingent liabilities and indebtedness to third Persons of up to $5,000,000.00 in the aggregate during any twelve (12) month period; provided, however, the Borrower shall notify Agent of any contingent liability which exceeds $3,000,000.00, (i) any obligation of the Borrower to a Person which is generated by a permitted Financial Hedge, and (j) letters of credit (as such instruments are called in the Borrower=s credit services product) issued by the Borrower for the benefit of an independent lender."

(g)

Section 6.14 of the Loan Agreement is amended to read in its entirety as follows:

"6.14

Investments and Acquisitions.  The Borrower will not, nor will it permit any Subsidiary to, make or suffer to exist any Investments (including, without limitation, loans and advances to Subsidiaries), or commitments therefore, or to become or remain a partner in any partnership or joint venture, or to make any Acquisition of any Person, except for (a) Cash Equivalent Investments, (b) existing investments in Subsidiaries and other Investments in existence on the Closing Date, (c) the acquisition (in calendar year 2012) of all of the equity interests of Cash & Go S.A. de C.V., or (d) Acquisition Investment(s) during the preceding twelve (12) month period as long as the aggregate purchase price of such Acquisition Investment(s) do not exceed ten percent (10%) of the Consolidated Tangible Net Worth as reflected on the Borrower's most recently submitted Compliance Certificate.  For purposes of this Section 6.14, the term "Acquisition Investment" shall include, but not be limited to, investment in a newly created company with limited or no operating history and/or with limited or no tangible assets."  

(h)

Section 6.19(a) of the Loan Agreement is amended to read in its entirety as follows:

"(a)

Fixed Charge Coverage Ratio.  The Borrower will not permit the Fixed Charge Coverage Ratio, determined as of the end of each of its fiscal quarters, to be less than 1.10 to 1.0."

(i)

Section 6.19(b) of the Loan Agreement is amended to read in its entirety as follows:

"(b)

Leverage Ratio.  The Borrower will not permit the Leverage Ratio, determined as of the end of each of its fiscal quarters, to be greater than 2.00 to 1.00."

(j)

Section 6.19(c) of the Loan Agreement is amended to read in its entirety as follows:

"(c)

Minimum Tangible Net Worth.  The Borrower will at all times maintain Consolidated Tangible Net Worth of not less than $180,000,000.00, increased, but not decreased, on a cumulative basis as of the last day of each fiscal year end commencing with the fiscal year that ends December 31, 2012, by an amount equal to 70% of Consolidated Net Income plus increases to additional paid in capital less the aggregate amount of Stock Repurchases accomplished and dividends paid, during the subject fiscal year.  For purposes of this Subsection 6.19(c), Consolidated Tangible Net Worth shall not include accumulated other comprehensive income."

4.

Amendments to Schedules and Appendix I.  

(a)

Schedule 1 to Compliance Certificate is amended as set forth in the attachment to this First Amendment.

(b)

Schedule 1 (Subsidiaries and Other Investments) is amended as set forth in the attachment to this First Amendment.

(c)

Schedule 2 (Indebtedness and Liens) is amended as set forth in the attachment to this First Amendment.

(d) 

Schedule 3 (Commitments and Pro Rata Shares) is amended as set forth in the attachment to this First Amendment.

(e)

Appendix I (Pricing Grid) is amended as set forth in the attachment to this First Amendment.

5.

Scope of Amendments.  Any and all other provisions of the Loan Agreement and the other Loan Documents are hereby amended and modified wherever necessary and even through not specifically addressed herein, so as to conform to the amendments set forth in this First Amendment.

6.

Limitation on Agreements.  The amendments set forth herein are limited in scope as described herein and shall not be deemed (a) to be a consent under, or waiver of, any other term or condition of the Loan Agreement or any of the Loan Documents, or (b) to prejudice any right or rights which Lender now has or may have in the future under, or in connection with the Loan Agreement as amended by this First Amendment or the Loan Documents.

7.

Multiple Counterparts.  This First Amendment may be executed in any number of counterparts, all of which taken together shall constitute one and the same agreement, and any of the parties hereto may execute this First Amendment by signing any such counterpart.

THE LOAN AGREEMENT, AS AMENDED BY THIS FIRST AMENDMENT, AND THE LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.  THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.

				
	 
	Executed to be effective as of February 28, 2012.

	 
	 
	 

	 
	LENDER AND AGENT:

	JPMORGAN CHASE BANK, N.A.

	 
	 
	 

	 
	By:

	 

	 
	Name:

	 

	 
	Title:

	 

				
	 
	LENDER:

	WELLS FARGO BANK, N.A.

	 
	 
	 

	 
	By:

	 

	 
	Name:

	 

	 
	Title:

	 

				
	 
	BORROWER:

	FIRST CASH FINANCIAL SERVICES, INC.

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

					
	 
	GUARANTORS:

	Reviewed and agreed:

	 
	 

	 
	FAMOUS PAWN, INC., a Maryland corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FCFS MO, INC., a Missouri corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FCFS OK, INC., an Oklahoma corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FCFS SC, INC., a South Carolina corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FIRST CASH, INC., a Nevada corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FIRST CASH CORP., a Delaware corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

				
	 
	FIRST CASH, LTD., a Texas limited partnership

	 
	 

	 
	By:

	FIRST CASH MANAGEMENT, L.L.C., a 

Delaware limited liability company, its General Partner

	 
	 
	 

	 
	 
	By:

	 

	 
	 
	Name:

	       Rick Wessel

	 
	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

				
	 
	FIRST CASH CREDIT, LTD., a Texas limited partnership

	 
	 

	 
	By:

	FIRST CASH CREDIT MANAGEMENT, L.L.C., 

a Texas limited liability company, its General Partner

	 
	 
	 

	 
	 
	By:

	 

	 
	 
	Name:

	       R. Douglas Orr

	 
	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FIRST CASH CREDIT MANAGEMENT, L.L.C.,

a Texas limited liability company

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       R. Douglas Orr

	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  R. Douglas Orr

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FIRST CASH MANAGEMENT, L.L.C.

a Delaware limited liability company

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	SHAC, LLC, an Arkansas limited liability company

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FIRST CASH, S.A. de C.V., an entity organized under the laws of Mexico

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       R. Douglas Orr

	 
	Title:

	       Legal Representative

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  R. Douglas Orr

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	AMERICAN LOAN EMPLOYEE SERVICES S.A. de C.V., an entity organized under the laws of Mexico

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       R. Douglas Orr

	 
	Title:

	       Legal Representative

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  R. Douglas Orr

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	CARDPLUS, INC., a Nevada corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	KING PAWN, INC., a Maryland corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	KING PAWN II, INC., a Maryland corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	COLLEGE PARK JEWELERS, INC., a Maryland corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	MARYLAND PRECIOUS METALS, INC., a Maryland corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	FCFS IN, INC., an Indiana corporation

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       President

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	CASH & GO, S.A. de C.V., an entity organized under the laws of Mexico

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       R. Douglas Orr

	 
	Title:

	       Legal Representative

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	ALL ACCESS SPECIAL EVENTS, LLC, an Arizona limited liability company

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

			
	 
	T.J. UNLIMITED, LLC, an Arizona limited liability company

	 
	 
	 

	 
	By:

	 

	 
	Name:

	       Rick Wessel

	 
	Title:

	       Manager

	 
	 
	 

	 
	690 East Lamar Boulevard, Suite 400

	 
	Arlington, TX 76011

	 
	Attention:  Rick Wessel

	 
	Phone:

	(817)460-3947

	 
	Fax:

	(817)461-7019

					
	SCHEDULE 1 TO COMPLIANCE CERTIFICATE

	 

	Compliance as of _________, ____ with

	Provisions of Section 6.19

	of the Agreement

	 

	Description of Covenant

	Calculation as of                         20            

	 
	 
	 
	 
	 

	(i)

	Fixed Charge Coverage Ratio

	 
	 
	 

	 
	of not less than 1.10 to 1.00

	 
	to 1.00

	 
	(Section 6.19[a] of the Agreement)

	 
	 
	 

	 
	 
	 
	 
	 

	(ii)

	Leverage Ratio of not greater

	 
	 
	 

	 
	than 2.00 to 1.00

	 
	to 1.00

	 
	(Section 6.19 [b] of the Agreement)

	 
	 
	 

	 
	 
	 
	 
	 

	(iii)

	Consolidated Tangible Net Worth

	 
	          $                

	 
	of not less than $180,000,000.00,

	 
	 
	 

	 
	increased, but not decreased, on a 

	 
	 
	 

	 
	cumulative basis as of the last day 

	 
	 
	 

	 
	of each fiscal year end (commencing

	 
	 
	 

	 
	December 31, 2012), by an amount 

	 
	 
	 

	 
	equal to 70% of Consolidated Net 

	 
	 
	 

	 
	Income plus increases to additional paid

	 
	 
	 

	 
	in capital less the aggregate amount

	 
	 
	 

	 
	of Stock Repurchases accomplished 

	 
	 
	 

	 
	and dividends paid during preceding

	 
	 
	 

	 
	fiscal year. Consolidated Tangible 

	 
	 
	 

	 
	Net Worth does not include accumu-

	 
	 
	 

	 
	lated other comprehensive income.

	 
	 
	 

	 
	(Section 6.19[c] of the Agreement)

	 
	 
	 

	 
	 
	 
	 
	 

	 
	 
	FIRST CASH FINANCIAL SERVICES, 

	 
	 
	INC.

	 
	 
	 
	 
	 

	 
	 
	By:

	 

	 
	 
	Name:

	R. Douglas Orr 

	 
	 
	Title:

	Chief Financial Officer 

					
	
SCHEDULE 1

	

	
SUBSIDIARIES AND OTHER INVESTMENTS

	
(See Sections 5.8 and 6.14)

	

	 
	 
	 
	 

	Famous Pawn, Inc.

	 
	Maryland

	100%

	CardPlus, Inc.

	 
	Nevada

	100%

	First Cash, S.A. de C.V.

	 
	Mexico

	100%

	American Loan Employee Services, S.A. de C.V.

	 
	Mexico

	100%

	First Cash, Ltd.

	 
	Texas

	100%

	First Cash Corp.

	 
	Delaware

	100%

	First Cash Management, LLC

	 
	Delaware

	100%

	First Cash, Inc.

	 
	Nevada

	100%

	Cash & Go, Ltd.

	 
	Texas

	49.5%

	Cash & Go Management, LLC

	 
	Texas

	  50%

	First Cash Credit, Ltd.

	 
	Texas

	100%

	First Cash Credit Management, LLC

	 
	Texas

	100%

	FCFS MO, Inc.

	 
	Missouri

	100%

	FCFS OK, Inc.

	 
	Oklahoma

	100%

	FCFS SC, Inc.

	 
	South Carolina

	100%

	FCFS IN, Inc.

	 
	Indiana

	100%

	SHAC, LLC

	 
	Arkansas

	100%

	King Pawn, Inc.

	 
	Maryland

	100%

	King Pawn II, Inc.

	 
	Maryland

	100%

	College Park Jewelers, Inc.

	 
	Maryland

	100%

	Maryland Precious Metals, Inc.

T.J. Unlimited, LLC

All Access Special Events, LLC

Cash & Go, S.A. de C.V.

	 
	Maryland

Arizona

Arizona

Mexico

	100%

100%

100%

100%

			
	SCHEDULE 2

	 

	INDEBTEDNESS (INCLUDING SUBORDINATED INDEBTEDNESS) AND LIENS

	(See Sections 5.14, 6.11, and 6.15)

	 

	 

	 

	 

	BBR Unlimited, LLC

	$4,900,000.00

	Payments scheduled

through January 10, 2015 

			
	SCHEDULE 3

	 

	COMMITMENTS

	AND PRO RATA SHARES

	 

	 

	 

	

Lender

	

Commitments

	

Pro Rata 

Share

	

JPMorgan Chase Bank, N.A.

	

$30,000,000.00

	

60%

	

Wells Fargo Bank, N.A.

	

$20,000,000.00

______________

	

40%

_____________

	

Total

	

$50,000,000.00

	

100.00%

				
	APPENDIX I

	 

	PRICING GRID

	 

	 

	Applicable Margin

	 

	 

	AApplicable Margin@ means the following percentages (converted to basis points) per annum:

	 

	 

	 

	Applicable Margin

	 

	 

	Closing

Fee

	 Commitment Fee

	Floating  Rate Loans 

	Eurodollar Rate Loans

(adjusted according to Leverage Ratio as of most recent test date)

	25.0 bps

 

	25.0 bps

 

	(50.0 bps)

	Less than 1.00 to 1.00       - 150.0 bps

Equal to or greater than

1.00 to 1.00 but less than 

1.50 to 1.00                      - 175.0 bps

Equal to or greater than

1.50 to 1.00                      - 200.0 bpsExhibit 4.2

 
	
  

 
	
 Safety Management Overseas S.A.

 
	
 32 Avenue K. Karamanli

 
	
 P.O. Box 70837

 
	
 16605 Voula 

 
	
 Athens, Greece

 

December 7, 2011

Safe Bulkers, Inc.

32 Avenue K. Karamanli 

P.O. Box 70837

16605 Voula 

Athens, Greece

	
  

 	
  

 	
  

 
	
  

 	
 Re:

 	
 Amendment No. 1 to
 Management Agreement 

 

To
Whom It May Concern:

Reference
is hereby made to that certain Management Agreement (the “Management
Agreement”), dated as of May 29, 2008, by and between Safe Bulkers, Inc., a
corporation formed under the laws of the Republic of The Marshall Islands (the
“Parent”), and Safety Management Overseas S.A., a corporation organized
under the laws of the Republic of Panama (the “Manager”).

	
  

 	
  

 	
  

 
	
 1.

 	
 In
 accordance with Section 18.1 of the Management Agreement, the Parent and the
 Manager hereby amend the Management Agreement in accordance with the
 amendments contained herein.

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 The
 Management Agreement is hereby amended by adding the following definition to
 Section 1.1:

 
	
  

 	
  

 	
  

 
	
  

 	
 ““Machairiotissa”
 means Machairiotissa Holdings Inc., a company organized and existing under
 the laws of the Republic of the Marshall Islands.”

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 The
 Management Agreement is hereby amended by replacing in its entirety the
 definition of the term “Proposed Change in Control of the Manager”
 contained in Section 1.1 of the Management Agreement with the following:

 
	
  

 	
  

 	
  

 
	
  

 	
 ““Proposed
 Change in Control of the Manager” means:

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 the
 approval by the board of directors of the Manager or the shareholders of the
 Manager of a proposed sale of all or substantially all of the assets or
 property of the Manager necessary for the performance of its services under
 this Agreement; or

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 the
 approval of any transaction that would result in:

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the
 Hajioannou Entities beneficially owning, directly or indirectly, less than
 60% of the outstanding voting securities or voting power of the Manager or
 Machairiotissa, respectively; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 the
 Hajioannou Entities together with all directors, officers and employees of
 the Manager beneficially owning, directly or indirectly, less than 80% of the
 outstanding voting securities or voting power of the Manager or
 Machairiotissa, respectively.

 

For
purposes of this definition, the term Hajioannou Entities shall exclude
reference to Machairiotissa.”

	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 The
 Management Agreement is hereby amended by adding thereto a new Section 14.5
 which shall read in its entirety as follows:

 
	
  

 	
  

 	
  

 
	
  

 	
 “Upon
 request of the Parent, the Manager shall promptly disclose to the Parent the
 respective ownership, both record and beneficial, interests in the Manager of
 (a) the Hajioannou Entities, (b) directors, officers and employees of the
 Manager as a group, and (c) any other persons who are record or beneficial
 owners of the Manager, together with the identities of such other persons.”

 

	
  

 	
  

 	
  

 
	
 2.

 	
 Except
 as expressly amended or modified by this letter agreement, the Management
 Agreement shall continue and remain in full force and effect in accordance
 with its terms.

 
	
  

 	
  

 	
  

 
	
 3.

 	
 This
 letter agreement shall be governed by, and construed in accordance with, the
 laws of England.

 
	
  

 	
  

 	
  

 
	
 4.

 	
 (a)

 	
 Any
 dispute arising out of or in connection with this letter agreement shall be
 referred to arbitration in London in accordance with the Arbitration Act 1996
 or any statutory modification or re-enactment thereof save to the extent
 necessary to give effect to the provisions of this Section 5. The arbitration
 shall be conducted in accordance with the London Maritime Arbitrators
 Association (LMAA) Terms current at the time when the arbitration proceedings
 are commenced.

 
	
  

 	
  

 	
  

 
	
  

 	
 (b) 

 	
 The
 reference shall be to three arbitrators. A party wishing to refer a dispute
 to arbitration shall appoint its arbitrator and send notice of such
 appointment in writing to the other party requiring the other party to
 appoint its own arbitrator within 14 calendar days of that notice and stating
 that it will appoint its arbitrator as sole arbitrator unless the other
 party appoints its own arbitrator and gives notice that it has done so within
 the 14 days specified. If the other party does not appoint its own arbitrator
 and give notice that it has done so within the 14 days specified, the party
 referring a dispute to arbitration may, without the requirement of any
 further prior notice to the other party, appoint its arbitrator as sole
 arbitrator and shall advise the other party accordingly. The award of a sole
 arbitrator shall be binding on both parties as if he had been appointed by
 agreement. Nothing herein shall prevent the parties agreeing in writing to
 vary these provisions to provide for the appointment of a sole arbitrator.

 

2

	
  

 	
  

 
	
 5.

 	
 This
 letter agreement may not be amended, waived or discharged except by an
 instrument in writing executed by the party against whom enforcement of such
 amendment, waiver or discharge is sought.

 
	
  

 	
  

 
	
 6.

 	
 This
 letter agreement may be executed in two or more counterparts, each of which
 will be deemed an original, all of which taken together shall constitute one
 and the same instrument.

 

[Signature Page Follows]

3

If
the foregoing is acceptable to you, please sign and return a copy of this
letter, whereupon it will constitute a binding amendment to the Management
Agreement.

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Very truly yours,

 
	
  

 	
  

 
	
  

 	
 SAFETY MANAGEMENT OVERSEAS
 S.A.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 By:

 	
  

 	

 
	
  

 	
  

 	
  

 	

 

 
	
  

 	
 Name:

 	
  

 	
 George Papadorpoulos

 
	
  

 	
 Title:

 	
  

 	
 President

 

	
  

 	
  

 	
  

 	
  

 
	
 Accepted and agreed to as
 of the date first written above by:

 
	
  

 
	
 SAFE BULKERS, INC.

 
	
  

 	
  

 	
  

 
	
 By: 

 	
  

 	

 	
  

 
	
  

 	
  

 	

 

 	
  

 
	
 Name:

 	
  

 	
 Loukas Barmparis

 
	
 Title:

 	
  

 	
 President

 

 [Signature Page - Amendment to
Management Agreement]

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