Document:

Change in Control Agreement between Columbia State Bank and Kent Roberts

 Exhibit 10.1 
 COLUMBIA STATE BANK 
 CHANGE IN CONTROL AGREEMENT 

THIS CHANGE IN CONTROL AGREEMENT (“Agreement”) is made and entered into effective this 4th day of December 2011, by and between
COLUMBIA STATE BANK, a Washington banking corporation (the “Bank”) and Kent L. Roberts (“Employee”). 

Recitals 
 A. The Bank currently receives the exclusive services of Employee as its employee, and Employee desires that this employment relationship continue. 

B. The Bank desires to provide a severance benefit to Employee (i) to encourage Employee to continue employment with the Bank;
(ii) to continue obtaining Employee’s services in the event of a potential Change in Control (as defined below) of Columbia Banking System, Inc. (“CBSI”), the parent holding company of the Bank, that may be detrimental to the
Employee; and (iii) to allow CBSI to maximize the benefits obtainable by its shareholders from any Change in Control. 
 In
consideration of the mutual promises, covenants, agreements and undertakings contained in this Agreement, the parties hereby contract and agree as follows: 
 Agreement 
 1. Term. The term of this Agreement
(“Term”) shall commence as of the date first above written and shall end on the earlier of the termination of Employee’s employment in a manner that does not constitute a Termination Event or on the fifth anniversary of the date first
above written, unless extended in writing by the parties. 
 2. Severance Benefit. In the case of a Termination
Event, as defined in Section 4, (i) the Bank shall pay to Employee all salary and benefits earned through the effective date of Employee’s termination and a severance benefit (“Severance Benefit”) in an amount equal to two
times the amount of Employee’s then-current annual base salary, and (ii) vesting of all stock options and lapse of all restrictions with respect to restricted stock awards shall occur. Payment of the Severance Benefit shall begin, and
vesting and lapse of restrictions described in the preceding sentence shall occur, (i) in the case of a Termination Event described in paragraph 4.1, upon the effective date of termination, and (ii) in the case of a Termination Event
described in paragraph 4.2, upon the effective date of the Change in Control which is then pending (or announced within sixty days of the date when the Employee’s employment terminated). The Severance Benefit shall be paid over a two year
period in equal monthly payments without interest on the last day of each month, beginning with the month in which the Termination Event described in paragraphs 4.1 or 4.2, as the case may be, occurs. 

3. Other Compensation and Terms of Employment. Except with respect to the Severance Payment, this Agreement shall have no
effect on the determination of any compensation payable by the Bank to the Employee, or upon any of the other terms of Employee’s employment with the Bank. 

  
 1 

 4. Termination Events. A Termination Event shall be deemed to occur
upon, and only upon, one or more of the following: 
 4.1 Termination of Employee’s employment by the Bank without Cause
(as defined below) or by Employee for Good Reason (as defined below) within 365 days following the effective date of a Change in Control; or 
 4.2 Termination of Employee’s employment by the Bank without Cause prior to a Change in Control if such termination occurs at any time from and after sixty days prior to the public announcement by
the CBSI or any other party of a transaction which will result in a Change in Control; provided that the effective date of the Change in Control occurs within eighteen (18) months of Employee’s termination. 

5. Restrictive Covenant.  
 5.1 Non-competition. Employee agrees that, during Employee’s employment with the Bank or any of its affiliates, and for a period of one year after
commencement of the payment to Employee of the Severance Benefit, Employee will not directly or indirectly become interested in, as a “founder,” organizer, principal shareholder, director, or officer, any financial institution, now
existing or organized hereafter, that competes or will compete with CBSI, the Bank or any of their affiliates (together the “Company”), including any successor, within any county in which the Company does business; provided that
Employee’s covenant not to compete shall terminate in the event Employee waives the right to payment of any balance of the Severance Benefit then payable; and provided further, that Employee shall not be deemed a “principal
shareholder” unless (i) Employee’s investment in such an institution exceeds 2% of the institution’s outstanding voting securities or (ii) Employee is active in the organization, management or affairs of such institution.
The provisions restricting competition by Employee may be waived by action of the Board. Employee recognizes and agrees that any breach of this covenant by Employee will cause immediate and irreparable injury to the Company, and Employee hereby
authorizes recourse by the Bank or CBSI to injunction and/or specific performance, as well as to other legal or equitable remedies to which either may be entitled. 
 5.2 Non-interference. During the non-competition period described in Section 5.1, Employee shall not (a) solicit or attempt to solicit any other employee of the
Company to leave the employ of the Company, or in any way interfere with the relationship between the Company and any other employee of the Company, (b) solicit or attempt to solicit any customer of the Company to cease doing business with the
Company or to otherwise divert such customer’s business from the Company, or (c) solicit or attempt to solicit any supplier, licensee, or other business relations of the Company to cease doing business with the Company. 

5.3 Confidentiality. Employee shall keep all terms of this Agreement, including the existence of this
Agreement and the amount of the Severance Benefit, strictly confidential. Employee shall keep this Agreement in a private location and shall use his or her best efforts to prevent this Agreement from being seen by others, including co-workers.

 5.4 Interpretation. If a court or any other administrative body with jurisdiction over a dispute
related to this Agreement should determine that the restrictive 

  
 2 

 
covenant set forth in Section 5.1 above is unreasonably broad, the parties hereby authorize and direct said court or administrative body to narrow the same so as to make it reasonable, given
all relevant circumstances, and to enforce the same. The covenants in this paragraph shall survive termination of this Agreement. 
 6. Definitions. 
 6.1.
Cause. “Cause” shall mean only (i) willful misfeasance or gross negligence in the performance of Employee’s duties, (ii) conduct demonstrably and significantly harmful
to the Bank (which would include willful violation of any final cease and desist order applicable to the Bank), or (iii) conviction of a felony. 
 6.2. Change in Control. “Change in Control” shall mean the occurrence of one or more of the following events: 

6.2.1. A person, or more than one person acting as a group, acquires ownership of stock in the Company that, together with stock held by
such person or group, constitutes more than fifty percent (50%) of the total fair market value or total voting power of the stock of the Company; 
 6.2.2. A majority of the members of the Company’s board of directors is replaced during any 12-month period by directors whose appointment or election is not endorsed by a majority of the members of
the Company’s board of directors before the date of the appointment or election; or 
 6.2.3. A person, or more than one
person acting as a group, acquires (or has acquired during the 12-month period ending on the date of the most recent acquisition by such person or persons) assets from the Company that have a total gross fair market value equal to or more than fifty
percent (50%) of the total gross fair market value of all of the assets of the Company immediately before such acquisition or acquisitions. 
 This definition of “Change in Control” is intended to comply with, and shall be interpreted in a manner consistent with, the requirements of Section 409A of the U.S. Internal Revenue Code
of 1986, as amended, as U.S. Treasury regulation issued thereunder. 
 6.3. Good Reason. “Good
Reason” shall mean (i) any reduction of Employee’s salary or any reduction or elimination of any other compensation or benefit plan, which reduction or elimination is not of general application to substantially all employees of the
Bank or such employees of any successor entity or of any entity in control of the Bank, (ii) any changes in Employee’s authority or duties substantially inconsistent with Employee’s then office position; or (iii) any transfer to
a location more than thirty miles from Employee’s then office location. 
 6.4 Termination of
Employment. “Termination,” when used in reference to termination of employment, shall mean “separation from service,” as defined in Section 409A of the U.S. Internal Revenue Code of 1986, as
amended, as U.S. Treasury regulation issued thereunder. 

  
 3 

 7. Specified Employee - Delay in Payments. If Executive is a
“specified employee,” then amounts payable to him under this Agreement on account of a “separation from service” that could cause him to be subject to the gross income inclusion, interest and additional tax provisions of U.S.
Internal Revenue Code § 409A(a)(1) shall not be paid until after the end of the sixth calendar month beginning after such separation from service (the “Suspension Period”). Within fourteen (14) calendar days after the end of
the Suspension Period, the Company shall make a lump sum payment to Executive in cash in an amount equal to the sum of all payments delayed because of the preceding sentence. Thereafter, Executive shall receive any remaining payments under this
Agreement as if the immediately preceding provisions of this Paragraph 8 were not a part of the Agreement. For purposes of this Agreement, the terms “specified employee” and “separation from service” shall have the meanings given
to those terms in U.S. Internal Revenue Code § 409A and the Treasury regulations issued thereunder.” 
 8.
Miscellaneous. 
 8.1 Integration; Amendment. This Agreement contains the
entire agreement between the parties with respect to the subject matter, and is subject to modification or amendment only upon amendment in writing signed by both parties. 
 8.2 Binding Effect. This Agreement shall bind and inure to the benefit of the heirs, legal representatives, successors, and assign of the parties. 

8.3 Severance. If any provision of this Agreement is invalid or otherwise unenforceable, all other provisions
shall remain unaffected and shall be enforceable to the fullest extent permitted by law. 
 8.4 Governing Law;
Venue. This Agreement is made with reference to and is intended to be construed in accordance with the laws of the State of Washington. Venue for any action arising out of or concerning this Agreement shall lie in Pierce County,
Washington. In the event of a dispute under this Agreement, the disputes shall be arbitrated pursuant to the Superior Court Mandatory Arbitration Rules (“MAR”) adopted by the Washington State Supreme Court, irrespective of the amount in
controversy. This Agreement shall be deemed as stipulation to that effect pursuant to MAR 1.2 and 8.1. The arbitrator, in his or her discretion, may award attorney’s fees to the prevailing party or parties. 

8.5 Notices. Any notice required to be given under this Agreement to either party shall be given by personal
service or by depositing a copy thereof in the United States registered or certified mail, postage prepaid, addressed to the following address or such other address as addressee shall designate in writing: 

 

							
		 	Company:	  	 Columbia Bank
 1301
‘A’ Street, Ste. 800
 Tacoma, WA 98402-4200
 Attn: (Corporate Secretary) 
	  	
				
		 	Employee:	  	 Kent L. Roberts
 5619
68th Ave Ct W

University Place, WA 98467 
	  	

  
 4 

 IN WITNESS WHEREOF, the parties have executed this Agreement effective on the date first
above written. 
  

							
	 BANK:
	 		 	COLUMBIA STATE BANK
				
		 		 	By	 	/s/ Melanie J. Dressel
		 		 		 	Melanie J. Dressel
		 		 		 	President and Chief Executive Officer 

							
	 EMPLOYEE:
	 		 	
				
		 		 	By	 	/s/ Kent L. Roberts
		 		 		 	Kent L. Roberts 
		 		 		 	Executive Vice President 

  
 5Second Amendment to Credit Agreement dated as of November 29, 2011

 Exhibit 10.1 
 SECOND AMENDMENT TO CREDIT AGREEMENT 
 THIS SECOND AMENDMENT TO CREDIT
AGREEMENT (this “Amendment”), dated as of November 29, 2011, is by and among CASH AMERICA INTERNATIONAL, INC., a Texas corporation (the “Borrower”), the Domestic Subsidiaries of the Borrower party
hereto (collectively, the “Guarantors”), the Lenders party hereto and WELLS FARGO BANK, NATIONAL ASSOCIATION, as administrative agent (in such capacity, the “Administrative Agent”). Capitalized terms used
herein and not otherwise defined herein shall have the meanings ascribed thereto in the Credit Agreement. 
 W I T N E S S E T
H 
 WHEREAS, the Borrower, the Guarantors, certain banks and financial institutions from time to time party thereto
(the “Lenders”) and the Administrative Agent are parties to that certain Credit Agreement dated as of March 30, 2011 (as amended, modified, extended, restated, replaced, or supplemented from time to time, the “Credit
Agreement”); 
 WHEREAS, the Credit Parties have requested that the Required Lenders amend certain provisions of
the Credit Agreement; and 
 WHEREAS, the Required Lenders are willing to make such amendments to the Credit Agreement,
in accordance with and subject to the terms and conditions set forth herein. 
 NOW, THEREFORE, in consideration of the
agreements hereinafter set forth, and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto agree as follows: 
 ARTICLE I 
 AMENDMENTS TO CREDIT AGREEMENT 

1.1 New Definitions. The following definitions are hereby added to Section 1.1 of the Credit Agreement in the
appropriate alphabetical order: 
 “Second Amendment Effective Date” shall mean
November 29, 2011. 
 “Incremental Commitments” shall mean that portion of the U.S.
Revolving Commitments in excess of $230,000,000 provided by the Incremental Lenders on the Second Amendment Effective Date. The Incremental Commitments as of the Second Amendment Effective Date are as set forth on Schedule 2.1(a). 

“Incremental Lenders” shall mean any Lender with an Incremental Commitment and any assignee of such
Lender with respect to such Incremental Commitment. 
 “Incremental Termination Date”
shall mean the earlier of (a) May 29, 2013 and (b) the second Business Day after the consummation of the Enova Disposition. 
 1.2 Amendment to Definition of Maturity Date. The definition of Maturity Date set forth in Section 1.1 of the Credit Agreement is hereby amended and restated in its entirety to read as
follows: 
 “Maturity Date” shall mean (a) with respect to the Incremental Commitments,
the Incremental Termination Date and (b) with respect to all other Commitments and the Term Loan Facility, March 31, 2015. 

 1.3 Amendments to Section 2.1(A) of the Credit Agreement. 

(a) The first sentence of clause (a) contained in Section 2.1(A) of the Credit Agreement is hereby amended and
restated in its entirety to read as follows: 
 During the Commitment Period, subject to the terms and
conditions hereof, each U.S. Revolving Lender severally, but not jointly, agrees to make revolving credit loans in Dollars (the “U.S. Revolving Loans”) to the Borrower from time to time in an aggregate principal amount of up to
THREE HUNDRED THIRTY MILLION DOLLARS ($330,000,000) (as such aggregate maximum amount may be reduced from time to time as provided in clause (iii) of the proviso below
and/or in Section 2.6, the “U.S. Revolving Committed Amount”) for the purposes hereinafter set forth (such facility, the “U.S. Revolving Facility”); provided, however, that (i) with regard to
each U.S. Revolving Lender individually, the sum of such U.S. Revolving Lender’s U.S. Revolving Commitment Percentage of the aggregate principal amount of outstanding U.S. Revolving Loans plus such U.S. Revolving Lender’s U.S.
Revolving Commitment Percentage of outstanding Swingline Loans shall not exceed such U.S. Revolving Lender’s U.S. Revolving Commitment, (ii) with regard to the U.S. Revolving Lenders collectively, the sum of the aggregate principal amount
of outstanding U.S. Revolving Loans plus outstanding Swingline Loans shall not exceed the U.S. Revolving Committed Amount then in effect, and (iii) subject to any further reductions as provided in Section 2.6, the U.S. Revolving
Committed Amount shall be automatically reduced to, and shall not exceed, $230,000,000 on and after the Incremental Termination Date. 
 (b) A new clause (f) is hereby added to the end of Section 2.1(A) of the Credit Agreement to read as follows: 

(f) Refinancing of U.S. Revolving Commitments. In connection with the Incremental Commitments being provided on
the Second Amendment Effective Date, the U.S. Revolving Loans and Participation Interests outstanding on the Second Amendment Effective Date shall be refinanced with new U.S. Revolving Loans made by the U.S. Revolving Lenders on the Second Amendment
Effective Date based on the U.S. Revolving Lenders U.S. Revolving Commitment Percentage (after giving effect to the Incremental Commitments). The Borrower shall be responsible for any costs arising under Section 2.15 hereof resulting from such
refinancing. 
 1.4 Amendment to Section 2.1(B)(a) of the Credit Agreement. The last sentence of clause
(a) contained in Section 2.1(B) of the Credit Agreement is hereby deleted in its entirety. 
 1.5
Amendments to Section 2.6 of the Credit Agreement. 
 (a) Clause (a) contained in
Section 2.6 of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 

(a) Voluntary Terminations or Reductions. The Borrower shall have the right to terminate or permanently reduce
the unused portion of the U.S. Revolving Committed Amount or the Multicurrency Revolving Committed Amount at any time or from time to time upon not less than five (5) Business Days’ prior written notice to the Administrative Agent (which
shall notify the Lenders thereof as soon as practicable) of each such termination or reduction, which notice shall specify the effective date thereof 

  
 2 

 
and the amount of any such reduction which shall be in a minimum amount of $5,000,000 or a whole multiple of $1,000,000 in excess thereof and shall be irrevocable and effective upon receipt by
the Administrative Agent; provided that (i) no such reduction or termination shall be permitted if, after giving effect thereto and to any prepayments of the Revolving Loans made on the effective date thereof, (A) the aggregate
principal outstanding Dollar Amount of U.S. Revolving Loans plus the aggregate principal Dollar Amount of Swingline Loans shall exceed the aggregate U.S. Revolving Committed Amount, as reduced and (B) after giving effect to any voluntary
reduction, the aggregate principal outstanding Dollar Amount of Multicurrency Revolving Loans shall exceed the aggregate Multicurrency Revolving Committed Amount, as reduced and (ii) all terminations and reductions of the U.S. Revolving
Facility prior to the Incremental Termination Date shall first be applied to the Incremental Commitments of the Incremental Lenders on a pro rata basis until the aggregate amount of Incremental Commitments is reduced to $0. To the extent the
Borrower elects to reduce or terminate U.S. Revolving Commitments at any time prior to the Incremental Termination Date, the outstanding U.S. Revolving Loans and Participation Interests shall be refinanced with new U.S. Revolving Loans made by the
U.S. Revolving Lenders on the date of such reduction or termination based on the U.S. Revolving Lenders U.S. Revolving Commitment Percentage (after giving effect to such reduction or termination). The Borrower shall be responsible for any costs
arising under Section 2.15 hereof resulting from such refinancing. 
 (b) Clause (d) contained in
Section 2.6 of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 

(d) Maturity Date. The U.S. Revolving Commitments, Multicurrency Revolving Commitments and the Swingline
Commitment shall automatically terminate on the applicable Maturity Date. The outstanding U.S. Revolving Loans and Participation Interests shall be refinanced with new U.S. Revolving Loans made by the U.S. Revolving Lenders on the Incremental
Termination Date based on the U.S. Revolving Lenders U.S. Revolving Commitment Percentage (after giving effect to the Incremental Termination Date). The Borrower shall be responsible for any costs arising under Section 2.15 hereof resulting
from such refinancing. 
 1.6 Amendment to Section 2.11(a) of the Credit Agreement. The first sentence of
clause (a) contained in Section 2.11 of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 
 Each borrowing of Revolving Loans and any reduction of the Revolving Commitments (other than the reduction of Incremental Commitments pursuant to Section 2.6(a)) shall be made pro rata according
to the respective Revolving Commitment Percentages of the Revolving Lenders. 

  
 3 

 1.7 Amendment to Section 5.17 of the Credit Agreement. Section 5.17
of the Credit Agreement is hereby amended and restated in its entirety to read as follows: 
 SECTION 5.17
Post Closing Covenant. Within ten (10) Business Days after the Second Amendment Effective Date (or such longer period of time as agreed to by the Administrative Agent in its sole discretion), the Administrative Agent shall have received,
to the extent not delivered on the Second Amendment Effective Date, certificates of good standing, existence or its equivalent with respect to each Credit Party certified as of a recent date by the appropriate Governmental Authorities of the state
of incorporation or organization. 
 1.8 Amendment to Schedules and Exhibits. The Schedules and Exhibits
attached as Exhibit A to this Amendment shall replace the corresponding Schedules and Exhibit to the Credit Agreement. All other Schedules and Exhibits to the Credit Agreement shall not be modified or otherwise affected. 

ARTICLE II 

CONDITIONS TO EFFECTIVENESS 
 2.1 Closing Conditions. This Amendment shall become effective as of the day and year set forth above (the “Amendment Effective Date”) upon satisfaction of the following
conditions (in each case, in form and substance reasonably acceptable to the Administrative Agent): 
 (a)
Executed Amendment. The Administrative Agent shall have received a copy of this Amendment duly executed by each of the Credit Parties, the Required Lenders and the Administrative Agent. 

(b) Default. After giving effect to this Amendment, no Default or Event of Default shall exist. 

(c) Fees and Expenses. The Administrative Agent shall have received from the Borrower such fees and expenses that
are payable in connection with the consummation of the transactions contemplated hereby (including, without limitation, the fees and expenses referred to in the Engagement Letter dated as of November 9, 2011 by and among the Borrower, the
Administrative Agent and Wells Fargo Securities, LLC) and King & Spalding LLP shall have received from the Borrower payment of all outstanding fees and expenses previously incurred and all fees and expenses incurred in connection with this
Amendment. 
 (d) Legal Opinion. The Administrative Agent shall have received an opinion or opinions of
counsel for the Credit Parties, dated the Amendment Effective Date and addressed to the Administrative Agent and the Lenders which shall be in form and substance satisfactory to the Administrative Agent. 

(e) Corporate Documents. The Administrative Agent shall have received, in form and substance reasonably
satisfactory to the Administrative Agent, an officer’s certificate (i) certifying that the articles of incorporation or other organizational documents, as applicable, of each Credit Party that were delivered on the Closing Date or the date
on which any Credit Party was joined as a Guarantor pursuant to a Joinder Agreement (the “Joinder Date”) remain true and complete as of the Amendment Effective Date (or certified updates as applicable), (ii) certifying that the
bylaws, operating agreements or partnership agreements of each Credit Party that were delivered on the Closing Date or Joinder Date remain true and correct and in force and effect as of the Amendment Effective Date (or certified updates as
applicable), (iii) attaching copies of the resolutions of the board of directors of each Credit Party approving and adopting this Amendment, the transactions contemplated herein and authorizing execution and delivery hereof, and certifying such
resolutions to be true and correct and in force and effect as of the Amendment 

  
 4 

 
Effective Date, (iv) attaching, to the extent available on the Amendment Effective Date (or otherwise subject to Section 1.7 of this Amendment), certificates of good standing, existence
or its equivalent with respect to each Credit Party certified as of a recent date by the appropriate Governmental Authorities of the state of incorporation or organization and (v) certifying that each officer listed in the incumbency
certification contained in each Credit Party’s Secretary’s Certificate, delivered on the Closing Date or Joinder Date remains a duly elected and qualified officer of such Credit Party and such officer remains duly authorized to execute and
deliver on behalf of such Credit Party the Amendment or attaching a new incumbency certificate for each officer signing this Amendment. 
 (f) Miscellaneous. All other documents and legal matters in connection with the transactions contemplated by this Amendment shall be reasonably satisfactory in form and substance to the
Administrative Agent and its counsel. 
 ARTICLE III 

MISCELLANEOUS 
 3.1 Amended Terms. On and after the Amendment Effective Date, all references to the Credit Agreement in each of the Credit Documents shall hereafter mean the Credit Agreement as amended by
this Amendment. Except as specifically amended hereby or otherwise agreed, the Credit Agreement is hereby ratified and confirmed and shall remain in full force and effect according to its terms. 

3.2 Representations and Warranties of Credit Parties. Each of the Credit Parties represents and warrants as follows:

 (a) It has taken all necessary action to authorize the execution, delivery and performance of this Amendment.

 (b) This Amendment has been duly executed and delivered by such Person and constitutes such Person’s
legal, valid and binding obligation, enforceable in accordance with its terms, except as such enforceability may be subject to (i) bankruptcy, insolvency, reorganization, fraudulent conveyance or transfer, moratorium or similar laws affecting
creditors’ rights generally and (ii) general principles of equity (regardless of whether such enforceability is considered in a proceeding at law or in equity). 

(c) No consent, approval, authorization or order of, or filing, registration or qualification with, any court or
governmental authority or third party is required in connection with the execution, delivery or performance by such Person of this Amendment. 
 (d) The representations and warranties set forth in Article III of the Credit Agreement are true and correct as of the date hereof (except for those which expressly relate to an earlier date).

 (e) After giving effect to this Amendment, no event has occurred and is continuing which constitutes a Default
or an Event of Default. 
 (f) The Credit Party Obligations are not reduced or modified by this Amendment and are
not subject to any offsets, defenses or counterclaims. 

  
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 3.3 Reaffirmation of Credit Party Obligations. Each Credit Party hereby
ratifies the Credit Agreement and acknowledges and reaffirms (a) that it is bound by all terms of the Credit Agreement applicable to it and (b) that it is responsible for the observance and full performance of its respective Credit Party
Obligations. 
 3.4 Credit Document. This Amendment shall constitute a Credit Document under the terms of the
Credit Agreement. 
 3.5 Expenses. The Borrower agrees to pay all reasonable costs and expenses of the
Administrative Agent in connection with the preparation, execution and delivery of this Amendment, including without limitation the reasonable fees and expenses of the Administrative Agent’s legal counsel. 

3.6 Further Assurances. The Credit Parties agree to promptly take such action, upon the request of the Administrative
Agent, as is necessary to carry out the intent of this Amendment. 
 3.7 Entirety. This Amendment and the other
Credit Documents embody the entire agreement among the parties hereto and supersede all prior agreements and understandings, oral or written, if any, relating to the subject matter hereof. 

3.8 Counterparts; Telecopy. This Amendment may be executed in any number of counterparts, each of which when so executed
and delivered shall be an original, but all of which shall constitute one and the same instrument. Delivery of an executed counterpart to this Amendment by telecopy or other electronic means shall be effective as an original and shall constitute a
representation that an original will be delivered. 
 3.9 No Actions, Claims, Etc. As of the date hereof, each of
the Credit Parties hereby acknowledges and confirms that it has no knowledge of any actions, causes of action, claims, demands, damages and liabilities of whatever kind or nature, in law or in equity, against the Administrative Agent, the Lenders,
or the Administrative Agent’s or the Lenders’ respective officers, employees, representatives, agents, counsel or directors arising from any action by such Persons, or failure of such Persons to act under the Credit Agreement on or prior
to the date hereof. 
 3.10 GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED AND
ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW). 
 3.11 Successors and Assigns. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. 

3.12 Consent to Jurisdiction; Service of Process; Waiver of Jury Trial. The jurisdiction, service of process and waiver of
jury trial provisions set forth in Sections 9.13 and 9.16 of the Credit Agreement are hereby incorporated by reference, mutatis mutandis. 
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

  
 6 

 SECOND AMENDMENT TO CREDIT
AGREEMENT 
 CASH AMERICA INTERNATIONAL, INC.

  

 IN WITNESS WHEREOF the parties hereto have caused this Amendment to be duly executed on
the date first above written. 
  

							
	BORROWER:	 		 	 CASH AMERICA INTERNATIONAL, INC.,
 a Texas corporation

				
		 		 	By:	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

  

							
	GUARANTORS:	 		 	BRONCO PAWN & GUN, INC.
		 		 	CASH AMERICA ADVANCE, INC.
		 		 	CASH AMERICA FINANCIAL SERVICES, INC.
		 		 	CASH AMERICA FRANCHISING, INC.
		 		 	CASH AMERICA GLOBAL FINANCING, INC.
		 		 	CASH AMERICA GLOBAL SERVICES, INC.
		 		 	CASH AMERICA HOLDING, INC.
		 		 	CASH AMERICA, INC.
		 		 	CASH AMERICA, INC. OF ALABAMA
		 		 	CASH AMERICA, INC. OF ALASKA
		 		 	CASH AMERICA, INC. OF COLORADO
		 		 	CASH AMERICA, INC. OF ILLINOIS
		 		 	CASH AMERICA, INC. OF INDIANA
		 		 	CASH AMERICA, INC. OF KENTUCKY
		 		 	CASH AMERICA, INC. OF LOUISIANA
		 		 	CASH AMERICA OF MISSOURI, INC.
		 		 	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 OF MEXICO, INC.
		 		 	CASH AMERICA PAWN, INC. OF OHIO
		 		 	CASHLAND FINANCIAL SERVICES, INC.
		 		 	CNU DOLLARSDIRECT INC.
		 		 	DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.
				
		 		 	By:	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

  
 [signature
pages continue] 

 SECOND AMENDMENT TO CREDIT
AGREEMENT 
 CASH AMERICA INTERNATIONAL, INC.

  

							
		 		 	EGH SERVICES, INC.
		 		 	ENOVA INTERNATIONAL, INC.
		 		 	ENOVA ONLINE SERVICES, INC.
		 		 	EXPRESS CASH INTERNATIONAL CORPORATION
		 		 	FLORIDA CASH AMERICA, INC.
		 		 	GAMECOCK PAWN & GUN, INC.
		 		 	GEORGIA CASH AMERICA, INC.
		 		 	HORNET PAWN & GUN, INC.
		 		 	LONGHORN PAWN AND GUN, INC.
		 		 	MR. PAYROLL CORPORATION
		 		 	OHIO NEIGHBORHOOD FINANCE, INC.
		 		 	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

  

							
		 		 	CASH AMERICA MANAGEMENT L.P.
		 		 	CASH AMERICA PAWN L.P.
				
		 		 	By:	 	Cash America Holding, Inc.
		 		 		 	Its General Partner
				
		 		 	By	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

  

							
		 		 	BILLERS ACCEPTANCE GROUP, LLC
		 		 	CNU ONLINE HOLDINGS, LLC
		 		 	ENOVA FINANCIAL HOLDINGS, LLC
		 		 	PF LABOR HOLDINGS, LLC
		 		 	PRIMARY INNOVATIONS, LLC
		 		 	STRATEGIC RECEIVABLE MANAGEMENT SOLUTIONS, LLC
				
		 		 	By:	 	/s/ J. Curtis Linscott
		 		 	Name:	 	J. Curtis Linscott
		 		 	Title:	 	Manager

  
 [signature
pages continue] 

 SECOND AMENDMENT TO CREDIT
AGREEMENT 
 CASH AMERICA INTERNATIONAL, INC.

  

							
		 		 	CNU OF ALABAMA, LLC
		 		 	CNU OF ALASKA, LLC
		 		 	CNU OF ARIZONA, LLC
		 		 	CNU OF CALIFORNIA, LLC
		 		 	CNU OF COLORADO, LLC
		 		 	CNU OF DELAWARE, LLC
		 		 	CNU OF FLORIDA, LLC
		 		 	CASHNETUSA OF FLORIDA, LLC
		 		 	CNU OF HAWAII, LLC
		 		 	CNU OF IDAHO, LLC
		 		 	CNU OF ILLINOIS, LLC
		 		 	CNU OF INDIANA, LLC
		 		 	CNU OF IOWA, LLC
		 		 	CNU OF KANSAS, LLC
		 		 	CNU OF LOUISIANA, LLC
		 		 	CNU OF MAINE, LLC
		 		 	CASHNET CSO OF MARYLAND, LLC
		 		 	CNU OF MICHIGAN, LLC
		 		 	CNU OF MINNESOTA, LLC
		 		 	CNU OF MISSISSIPPI, LLC
		 		 	CNU OF MISSOURI, LLC
		 		 	CNU OF MONTANA, LLC
		 		 	CNU OF NEVADA, LLC
		 		 	CNU OF NEW HAMPSHIRE, LLC
		 		 	CNU OF NEW MEXICO, LLC
		 		 	CNU OF NORTH DAKOTA, LLC
		 		 	CNU OF OHIO, LLC
		 		 	OHIO CONSUMER FINANCIAL SOLUTIONS, LLC
		 		 	CNU OF OKLAHOMA, LLC
		 		 	CNU OF OREGON, LLC
		 		 	CNU OF RHODE ISLAND, LLC
		 		 	CNU OF SOUTH CAROLINA, LLC
		 		 	CNU OF SOUTH DAKOTA, LLC
		 		 	CNU OF TENNESSEE, LLC
		 		 	CNU OF TEXAS, LLC
		 		 	CNU OF UTAH, LLC
		 		 	CNU OF VIRGINIA, LLC
		 		 	CNU OF WASHINGTON, LLC
		 		 	CNU OF WISCONSIN, LLC
		 		 	CNU OF WYOMING, LLC
		 		 	CASHEURONET UK, LLC
		 		 	DOLLARSDIRECT, LLC
		 		 	EURONETCASH, LLC
		 		 	TRAFFICGEN, LLC
				
		 		 	By:	 	 CNU Online Holdings, LLC
 Its
Sole Member

				
		 		 	By:	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

  
 [signature
pages continue] 

 CASH AMERICA INTERNATIONAL,
INC 
 AMENDMENT TO CREDIT AGREEMENT 

 

							
		 		 	AEL NET MARKETING, LLC
		 		 	AEL NET OF ARIZONA, LLC
		 		 	AEL NET OF ILLINOIS, LLC
		 		 	AEL NET OF OHIO, LLC
		 		 	AEL NET OF SOUTH CAROLINA, LLC
		 		 	AEL NET OF WISCONSIN, LLC
		 		 	ARIZONA CONSUMER FINANCIAL SOLUTIONS, LLC
				
		 		 	By:	 	CNU Online Holdings, LLC
		 		 		 	Its Sole Member
		 		 		 	
				
		 		 	By:	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

  

							
		 		 	CASHNETUSA CO LLC
		 		 	CASHNETUSA OR LLC
		 		 	THE CHECK GIANT NM, LLC
				
		 		 	By:	 	Cash America Net of New Mexico, LLC
		 		 		 	Its Sole Member
		 		 		 	
				
		 		 		 	By: CNU Online Holdings, LLC
		 		 		 	Its Sole Member
				
		 		 		 	By: /s/ Austin D. Nettle
		 		 		 	Name: Austin D. Nettle
		 		 		 	Title: Vice President and Treasurer

  

							
		 		 	DEBIT PLUS TECHNOLOGIES, LLC
		 		 	PRIMARY CREDIT SERVICES, LLC
		 		 	PRIMARY PAYMENT SOLUTIONS, LLC
				
		 		 	By:	 	Primary Innovations, LLC
		 		 		 	Its Sole Member
		 		 		 	
				
		 		 	By:	 	/s/ Austin D. Nettle
		 		 	Name:	 	Austin D. Nettle
		 		 	Title:	 	Vice President and Treasurer

							
	ADMINISTRATIVE AGENT:	 		 	WELLS FARGO BANK, NATIONAL ASSOCIATION, as a Lender and as Administrative Agent
				
		 		 	By:	 	/s/ Jeffrey D. Bundy
		 		 	Name:	 	Jeffrey D. Bundy
		 		 	Title:	 	Vice President

							
	LENDERS:	 		 	JP Morgan Chase Bank, N.A., as a Lender
				
		 		 	By:	 	/s/ Lindsey M. Hester
		 		 	Name:	 	Lindsey M. Hester
		 		 	Title:	 	Bank Senior

							
	LENDERS:	 		 	KEYBANK NATIONAL ASSOCIATION, as a Lender
				
		 		 	By:	 	/s/ Matthew A. Lambes
		 		 	Name:	 	Matthew A. Lambes
		 		 	Title:	 	Vice President

							
	LENDERS:	 		 	U.S. Bank, N.A., as a Lender
				
		 		 	By:	 	/s/ Patrick McGraw
		 		 	Name:	 	Patrick McGraw
		 		 	Title:	 	Vice President

							
	LENDERS:	 		 	First Tennessee Bank National Association, a national banking association, as a Lender
				
		 		 	By:	 	/s/ Glynn M. Alexander, Jr.
		 		 	Name:	 	Glynn M. Alexander, Jr.
		 		 	Title:	 	Senior Vice President

							
	LENDERS:	 		 	Amegy Bank, N.A., as a Lender
				
		 		 	By:	 	/s/ Monica Libbey
		 		 	Name:	 	Monica Libbey
		 		 	Title:	 	Vice President

							
	LENDERS:	 		 	BOKF, N.A. dba Bank of Texas, as a Lender
				
		 		 	By:	 	/s/ Alan Morris
		 		 	Name:	 	Alan Morris
		 		 	Title:	 	Vice President

							
	LENDERS:	 		 	 TEXAS CAPITAL BANK, NATIONAL
 ASSOCIATION, as a Lender

				
		 		 	By:	 	/s/ Barry Kromann
		 		 	Name:	 	Barry Kromann
		 		 	Title:	 	Executive Vice President

 EXHIBIT A 

 Schedule 2.1(a) 
 Commitments 
  

																									
	 Lender
	  	U.S. Revolving
Commitment	 	  	U.S. Revolving
Commitment
Percentage	 	 	Multicurrency
Revolving
Commitment	 	  	Multicurrency
Revolving
Commitment
Percentage	 	 	Term Loan
Commitment	 	  	Term Loan
Commitment
Percentage	 
	 Wells Fargo Bank, National Association
	  	$	94,058,210.25	  	  	 	28.502487955	% 	 	$	16,941,789.75	  	  	 	33.883579500	% 	 	$	16,000,000.00	  	  	 	32.000000000	% 
	 JPMorgan Chase Bank, N.A.
	  	$	78,967,854.04	  	  	 	23.929652739	% 	 	$	13,032,145.96	  	  	 	26.064291920	% 	 	$	10,000,000.00	  	  	 	20.000000000	% 
	 KeyBank National Association
	  	$	44,660,295.40	  	  	 	13.533422848	% 	 	$	9,339,704.60	  	  	 	18.679409200	% 	 	$	7,000,000.00	  	  	 	14.000000000	% 
	 US Bank, National Association
	  	$	10,519,200.69	  	  	 	3.187636573	% 	 	$	7,080,799.31	  	  	 	14.161598620	% 	 	$	3,400,000.00	  	  	 	6.800000000	% 
	 First Tennessee Bank National Association
	  	$	24,100,000.00	  	  	 	7.303030303	% 	 	 	N/A	  	  	 	N/A	  	 	$	3,400,000.00	  	  	 	6.800000000	% 
	 Amegy Bank, N.A.
	  	$	28,600,000.00	  	  	 	8.666666667	% 	 	 	N/A	  	  	 	N/A	  	 	$	3,400,000.00	  	  	 	6.800000000	% 
	 Bank of Texas
	  	$	24,994,439.62	  	  	 	7.574072612	% 	 	$	3,605,560.38	  	  	 	7.211120760	% 	 	$	3,400,000.00	  	  	 	6.800000000	% 
	 Texas Capital
	  	$	24,100,000.00	  	  	 	7.303030303	% 	 	 	N/A	  	  	 	N/A	  	 	$	3,400,000.00	  	  	 	6.800000000	% 
							
	 Total:
	  	$	330,000,000.00	  	  	 	100	% 	 	$	50,000,000.00	  	  	 	100	% 	 	$	50,000,000.00	  	  	 	100	% 

 EXHIBIT 1.1(b) 

[FORM OF] 

ASSIGNMENT AND ASSUMPTION 
 This Assignment and Assumption (the “Assignment and Assumption”) is dated as of the Effective Date set forth below and is entered into by and between [the] [each] Assignor identified in
item 1 below ([the] [each, an] “Assignor”) and [the] [each] Assignee identified in item 2 below ([the] [each, an] “Assignee”). [It is understood and agreed that the rights and obligations of [the
Assignors] [the Assignees] hereunder are several and not joint.]1 Capitalized terms used but not defined herein shall have the meanings given to them in the Credit Agreement identified below (as amended, the “Credit Agreement”), receipt of a copy of
which is hereby acknowledged by [the] [each] Assignee. The Standard Terms and Conditions set forth in Annex 1 attached hereto are hereby agreed to and incorporated herein by reference and made a part of this Assignment and Assumption as if set
forth herein in full. 
 For an agreed consideration, [the] [each] Assignor hereby irrevocably sells and assigns to [the
Assignee] [the respective Assignees], and [the] [each] Assignee hereby irrevocably purchases and assumes from [the Assignor] [the respective Assignors], subject to and in accordance with the Standard Terms and Conditions and the Credit Agreement, as
of the Effective Date inserted by the Administrative Agent as contemplated below (i) all of [the Assignor’s] [the respective Assignors’] rights and obligations in [its capacity as a Lender] [their respective capacities as Lenders]
under the Credit Agreement and any other documents or instruments delivered pursuant thereto to the extent related to the amount and percentage interest identified below of all of such outstanding rights and obligations of [the Assignor] [the
respective Assignors] under the respective facilities identified below (including, without limitation, any letters of credit, guarantees, and swingline loans included in such facilities) and (ii) to the extent permitted to be assigned under
applicable law, all claims, suits, causes of action and any other right of [the Assignor (in its capacity as a Lender)] [the respective Assignors (in their respective capacities as Lenders)] against any Person, whether known or unknown, arising
under or in connection with the Credit Agreement, any other documents or instruments delivered pursuant thereto or the loan transactions governed thereby or in any way based on or related to any of the foregoing, including, but not limited to,
contract claims, tort claims, malpractice claims, statutory claims and all other claims at law or in equity related to the rights and obligations sold and assigned pursuant to clause (i) above (the rights and obligations sold and assigned by
[the] [any] Assignor to [the] [any] Assignee pursuant to clauses (i) and (ii) above being referred to herein collectively as [the] [an] “Assigned Interest”). Each such sale and assignment is without recourse to [the] [any]
Assignor and, except as expressly provided in this Assignment and Assumption, without representation or warranty by [the] [any] Assignor. 
  

			
	 1.      Assignor[s]:
	 	 
		
		 	 

  
  

	1 	 Include bracketed language if there are either multiple Assignors or multiple Assignees. 

			
	 2.      Assignee[s]:
	 	 
		
		 	 

 [for each Assignee, indicate [Affiliate] [Approved Fund] of [identify Lender] 

			
		
	3.      Borrower:	 	Cash America International, Inc., a Texas corporation
		
	4.      Administrative Agent:	 	Wells Fargo Bank, National Association, as the administrative agent under the Credit Agreement.
		
	5.      Credit Agreement:	 	The Credit Agreement dated as of March 30, 2011, among the Borrower, the guarantors from time to time party thereto, the lenders and other financial institutions from time to
time party thereto, and Wells Fargo Bank, National Association, as Administrative Agent.
		
	6.      Assigned Interest[s]:	 	

  

													
	 Assignor[s]
	  	 Assignee[s]
	  	Facility Assigned	  	Aggregate
Amount of
Commitment/
Loans for
all
Lenders	  	Amount of
Commitment/
Loans Assigned	  	Percentage
Assigned of
Commitment/
Loans	  	CUSIP Number
		  		  		  	$	  	$	  	%	  	
		  		  		  	$	  	$	  	%	  	
		  		  		  	$	  	$	  	%	  	

  

	7.	Portion of the Assigned Interests that 

 constitute Incremental Commitments:
                                         
    
  

	[8.	 Trade Date:                     ]2 

Effective Date:                 ,
20        . 
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] 

 
  

	2 	 To be completed if the Assignor(s) and the Assignee(s) intend that the minimum assignment amount is to be determined as of the Trade Date.

 The terms set forth in this Assignment and Assumption are hereby agreed to: 

 

			
	 ASSIGNOR[S]
 [NAME
OF ASSIGNOR]

		
	By:	 	 
		 	Title:

 
			
	 ASSIGNEE[S]
 [NAME
OF ASSIGNEE]

		
	By:	 	 
		 	Title:

 [Consented to and] Accepted: 

 

			
	 WELLS FARGO BANK, NATIONAL ASSOCIATION,
         as Administrative Agent

		
	By:	 	 
		 	Title:

 [Consented to:] 
  

			
	[NAME OF RELEVANT PARTY]
		
	By:	 	 
		 	Title:

 ANNEX 1 
 STANDARD TERMS AND CONDITIONS FOR 
 ASSIGNMENT AND ASSUMPTION 

 

	 	1.	Representations and Warranties. 

 1.1 Assignor[s]. [The] [Each] Assignor (a) represents and warrants that (i) it is the legal and beneficial owner of [the] [the relevant] Assigned Interest, (ii) [the] [such] Assigned
Interest is free and clear of any lien, encumbrance or other adverse claim and (iii) it has full power and authority, and has taken all action necessary, to execute and deliver this Assignment and Assumption and to consummate the transactions
contemplated hereby; and (b) assumes no responsibility with respect to (i) any statements, warranties or representations made in or in connection with the Credit Agreement or any other Credit Document, (ii) the execution, legality,
validity, enforceability, genuineness, sufficiency or value of the Credit Documents or any collateral thereunder, (iii) the financial condition of the Borrower, any of its Subsidiaries or Affiliates or any other Person obligated in respect of
any Credit Document or (iv) the performance or observance by the Borrower, any of its Subsidiaries or Affiliates or any other Person of any of their respective obligations under any Credit Document. 

1.2. Assignee[s]. [The] [Each] Assignee (a) represents and warrants that (i) it has full power and authority, and has
taken all action necessary, to execute and deliver this Assignment and Assumption and to consummate the transactions contemplated hereby and to become a Lender under the Credit Agreement, (ii) it meets all the requirements to be an assignee
under Section 9.6(b), (v) and (vi) of the Credit Agreement (subject to such consents, if any, as may be required under Section 9.6(b) of the Credit Agreement), (iii) from and after the Effective Date, it shall be bound by
the provisions of the Credit Agreement as a Lender thereunder and, to the extent of [the] [the relevant] Assigned Interest, shall have the obligations of a Lender thereunder, (iv) it is sophisticated with respect to decisions to acquire assets
of the type represented by the Assigned Interest and either it, or the person exercising discretion in making its decision to acquire the Assigned Interest, is experienced in acquiring assets of such type, (v) it has received a copy of the
Credit Agreement, and has received or has been accorded the opportunity to receive copies of the most recent financial statements delivered pursuant to Section 5.1 thereof, as applicable, and such other documents and information as it deems
appropriate to make its own credit analysis and decision to enter into this Assignment and Assumption and to purchase [the] [such] Assigned Interest, (vi) it has, independently and without reliance upon the Administrative Agent or any other
Lender and based on such documents and information as it has deemed appropriate, made its own credit analysis and decision to enter into this Assignment and Assumption and to purchase [the] [such] Assigned Interest, and (vii) if it is a Foreign
Lender, attached to the Assignment and Assumption is any documentation required to be delivered by it pursuant to the terms of the Credit Agreement, duly completed and executed by [the] [such] Assignee; and (b) agrees that (i) it will,
independently and without reliance on the Administrative Agent, [the] [any] Assignor or any other Lender, and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or
not taking action under the Credit Documents, and (ii) it will perform in accordance with their terms all of the obligations which by the terms of the Credit Documents are required to be performed by it as a Lender. 

 2. Payments. From and after the Effective Date, the Administrative Agent shall make
all payments in respect of [the] [each] Assigned Interest (including payments of principal, interest, fees and other amounts) to [the] [the relevant] Assignor for amounts which have accrued to but excluding the Effective Date and to [the] [the
relevant] Assignee for amounts which have accrued from and after the Effective Date. 
 3. General Provisions. This
Assignment and Assumption shall be binding upon, and inure to the benefit of, the parties hereto and their respective successors and assigns. This Assignment and Assumption may be executed in any number of counterparts, which together shall
constitute one instrument. Delivery of an executed counterpart of a signature page of this Assignment and Assumption by telecopy shall be effective as delivery of a manually executed counterpart of this Assignment and Assumption. This Assignment and
Assumption shall be governed by, and construed in accordance with, the law of the State of New York.

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