Document:

EX-10.2

 Exhibit 10.2 

Execution Version 

WAIVER AGREEMENT 

This Waiver Agreement (this “Waiver Agreement”) is entered into as of March 25, 2014, by and among
(i) SILICON VALLEY BANK, a California corporation with a loan production office located at 555 Mission St., Suite 900, San Francisco, California 94105 (“Bank”), and (ii) REAL GOODS ENERGY TECH, INC., a
Colorado corporation (“Real Goods Energy”), REAL GOODS TRADING CORPORATION, a California corporation (“Real Goods Trading”), ALTERIS RENEWABLES, INC., a Delaware corporation
(“Alteris”) and REAL GOODS SYNDICATED, INC., a Delaware corporation (“Syndicated”, and together with Real Goods Energy, Real Goods Trading and Alteris, individually and collectively, jointly and severally,
the “Borrower”). 
 1. DESCRIPTION OF EXISTING INDEBTEDNESS AND OBLIGATIONS. Among other indebtedness and obligations which
may be owing by Borrower to Bank, Borrower is indebted to Bank pursuant to a loan arrangement dated as of December 19, 2011, evidenced by, among other documents, a certain Loan and Security Agreement, dated as of December 19, 2011, as
amended by a certain First Loan Modification Agreement, dated as of August 28, 2012, as further amended by a certain Second Loan Modification and Reinstatement Agreement, dated as of November 13, 2012, as further amended by a certain Third
Loan Modification Agreement, dated as of March 27, 2013, as further amended by a certain Joinder and Fourth Loan Modification Agreement, dated as of September 26, 2013 and as further amended by a certain Fifth Loan Modification Agreement,
dated as of November 5, 2013 (as amended, the “Loan Agreement”). Capitalized terms used but not otherwise defined herein shall have the same meaning as in the Loan Agreement. 

2. DESCRIPTION OF COLLATERAL Repayment of the Obligations is secured by (i) the Collateral as described in the Loan Agreement, (ii) that
certain Security Agreement, dated as of December 19, 2011, between the Secured Guarantor and Bank (as amended, the “Security Agreement”), and (ii) the “Intellectual Property Collateral”, as such term is defined
in that certain IP Agreement, dated as of September 26, 2013, by and between Bank and Borrower (together with any other collateral security granted to Bank, the “Security Documents”). 

Hereinafter, the Loan Agreement, together with all other documents executed in connection therewith evidencing, securing or otherwise relating to the
Obligations shall be referred to as the “Existing Loan Documents”. 
 3. ACKNOWLEDGMENT OF DEFAULTS; WAIVER. Borrower
acknowledges that it is currently in default under the Loan Agreement by its failure to comply with the minimum EBITDA financial covenant contained in former Section 6.9(b) of the Loan Agreement for the quarterly compliance period ended
December 31, 2013 (the “Existing Default”). Bank hereby waives Borrower’s Existing Default for the compliance period indicated above. Bank’s waiver of Borrower’s compliance with said Existing Default shall apply
only to the foregoing specific compliance period. The Borrower hereby acknowledges and agrees that except as specifically provided in this Section and in Section 5 below, nothing in this Section or anywhere in this Waiver Agreement shall be
deemed or otherwise construed as a waiver by the Bank of any of its rights and remedies pursuant to the Existing Loan Documents, applicable law or otherwise. 

4. WAIVER OF FINANCIAL COVENANT TESTING. Bank hereby waives testing of the minimum EBITDA financial covenant contained in Section 6.9(b) of the
Loan Agreement solely for the quarterly compliance period ending March 31, 2014. Bank’s waiver of testing shall only apply to the minimum EBITDA financial covenant, and only for the specific compliance period described above, and shall not
constitute a continuing waiver. Borrower hereby acknowledges and agrees that, except as specifically provided herein and in Section 4 above, nothing in this Section or anywhere in this Waiver Agreement shall be deemed or otherwise construed as
a waiver by the Bank of any of its rights and remedies pursuant to the Loan Documents, applicable law or otherwise. 
 5. FEES. Borrower shall pay to
Bank a waiver fee equal to Ten Thousand Dollars ($10,000), which fee shall be due and payable on the date hereof and shall be non-refundable and deemed fully earned as of the date hereof. Borrower shall also reimburse Bank for all legal fees and
expenses incurred in connection with the Existing Loan Documents and this Waiver Agreement. 

 6. FINAL PAYMENT FEE. In addition to the fees and expenses described above, on or before the Term Loan
Maturity Date, Borrower shall pay to Bank a final payment fee equal to One Hundred Fifty Thousand Dollars ($150,000) (the “Final Payment Fee”), which final payment fee shall be fully earned as of the date hereof and shall be
non-refundable when paid. For purposes of clarification, this Final Payment Fee is the same Final Payment Fee referenced in the Fifth Loan Modification, and not an additional Final Payment Fee 

7. CONSISTENT CHANGES. The Existing Loan Documents are hereby amended wherever necessary to reflect the changes described above. 

8. RATIFICATION OF LOAN DOCUMENTS. Borrower hereby ratifies, confirms, and reaffirms all terms and conditions of the Loan Agreement and each other Loan
Document, and of all security or other collateral granted to the Bank, and confirms that the indebtedness secured thereby includes, without limitation, the Obligations. 

9. NO DEFENSES OF BORROWER. Borrower hereby acknowledges and agrees that Borrower has no offsets, defenses, claims, or counterclaims against Bank with
respect to the Obligations, or otherwise, and that if Borrower now has, or ever did have, any offsets, defenses, claims, or counterclaims against Bank, whether known or unknown, at law or in equity, all of them are hereby expressly WAIVED and
Borrower hereby RELEASES Bank from any liability thereunder. 
 10. CONTINUING VALIDITY. Borrower understands and agrees that in modifying the
existing Obligations, Bank is relying upon Borrower’s representations, warranties, and agreements, as set forth in the Existing Loan Documents. Except as expressly modified pursuant to this Waiver Agreement, the terms of the Existing Loan
Documents remain unchanged and in full force and effect. Bank’s agreement to modify the Existing Loan Documents pursuant to this Waiver Agreement in no way shall obligate Bank to make any future modifications to the Obligations. Nothing in this
Waiver Agreement shall constitute a satisfaction of the Obligations. It is the intention of Bank and Borrower to retain as liable parties all makers of Existing Loan Documents, unless the party is expressly released by Bank in writing. No maker will
be released by virtue of this Waiver Agreement. 
 11. JURISDICTION/VENUE. Section 11 of the Loan Agreement is hereby incorporated by reference.

 12. COUNTERSIGNATURE. This Waiver Agreement shall become effective only when it shall have been executed by Borrower and Bank. 

[Signature page follows.] 

  
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 This Waiver Agreement is executed as of the date first written above. 

BORROWER 
  

									
	REAL GOODS ENERGY TECH, INC.	 		 	REAL GOODS TRADING CORPORATION
					
	By:	 	/s/ Anthony DiPaolo	 		 	By:	 	/s/ Anthony DiPaolo
	Name:	 	 Anthony DiPaolo
	 		 	Name:	 	 Anthony DiPaolo

	Title:	 	 CFO
	 		 	Title:	 	 CFO

			
	ALTERIS RENEWABLES, INC.	 		 	REAL GOODS SYNDICATED, INC.
					
	By:	 	/s/ Anthony DiPaolo	 		 	By:	 	/s/ Anthony DiPaolo
	Name:	 	 Anthony DiPaolo
	 		 	Name:	 	 Anthony DiPaolo

	Title:	 	 CFO
	 		 	Title:	 	 CFO

 BANK: 
  

			
	SILICON VALLEY BANK
		
	 By:
	 	 /s/ Elisa Sun

	 Name:
	 	 Elisa Sun

	 Title:
	 	 Vice President

 Acknowledgment and Agreement: 

The undersigned ratifies, confirms and reaffirms, all and singular, the terms and conditions of a certain Amended and Restated Unconditional Guaranty and a
certain Amended and Restated Security Agreement, each dated as of September 26, 2013, and each document executed in connection therewith, and acknowledges, confirms and agrees that the Amended and Restated Unconditional Guaranty, Amended and
Restated Security Agreement and each document executed in connection therewith shall remain in full force and effect and shall in no way be limited by the execution of this Waiver Agreement, or any other documents, instruments and/or agreements
executed and/or delivered in connection herewith. 
  

			
	REAL GOODS SOLAR, INC.
		
	 By:
	 	 /s/ Anthony DiPaolo

	 Name:
	 	 Anthony DiPaolo

	 Title:
	 	 CFO

  
 3EX-10.1

 EXHIBIT 10.1 

OMNIBUS WAIVER, CONSENT AND AMENDMENT AGREEMENT 

This OMNIBUS WAIVER, CONSENT AND AMENDMENT AGREEMENT (this “Agreement”), dated as of May 9, 2014, is made by and
among CASH AMERICA INTERNATIONAL, INC. (the “Company”), a Texas corporation, each of the Guarantors listed on the signature pages hereto, and each of the holders of the Notes (defined below) set forth on Annex 1 hereto
(the “Noteholders”). 
 1. PRELIMINARY STATEMENTS. 

WHEREAS, the Company previously issued (a) $35,000,000 in aggregate principal amount of its 6.09% Series A Senior Notes due
December 19, 2016 (the “2006 Series A Notes”), and (b) $25,000,000 in aggregate principal amount of its 6.21% Series B Senior Notes due December 19, 2021 (the “2006 Series B Notes” and, collectively
with the 2006 Series A Notes and any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2006 Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of
December 19, 2006, by and between the Company and each of the purchasers listed on Schedule A thereto, as amended by that certain Amendment No. 1 to Note Purchase Agreement dated as of December 11, 2008 and that certain Amendment
No. 2 to Note Purchase Agreement dated as of May 25, 2012 (as so amended and as may be further amended, restated, supplemented or otherwise modified from time to time, the “2006 Note Purchase Agreement”); 

WHEREAS, the Company previously issued $25,000,000 in aggregate principal amount of its 7.26% Senior Notes due January 28, 2017
(collectively with any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2010 Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of
January 28, 2010, by and between the Company and each of the purchasers listed on Schedule A thereto, as amended by that certain Amendment No. 1 to Note Purchase Agreement dated as of May 25, 2012 (as so amended and as may be further
amended, restated, supplemented or otherwise modified from time to time, the “2010 Note Purchase Agreement”); 

WHEREAS, the Company previously issued (a) $47,000,000 in aggregate principal amount of its 6.00% Series A Senior Notes due
August 28, 2019 (the “2012 Series A Notes”), and (b) $5,000,000 in aggregate principal amount of its 6.58% Series B Senior Notes due August 28, 2022 (the “2012 Series B Notes” and, collectively with
the 2012 Series A Notes and any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2012 Notes” and together with the 2006 Notes and the 2010 Notes, collectively, the
“Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of August 28, 2012, by and between the Company and each of the purchasers listed on Schedule A thereto (as amended, restated, supplemented or
otherwise modified from time to time, the “2012 Note Purchase Agreement” and together with the 2006 Note Purchase Agreement and the 2010 Note Purchase Agreement, collectively, the “Note Purchase Agreements”);

 WHEREAS, the Company is contemplating a potential tax-free spin-off of Enova International, Inc. (“Enova”), a
Subsidiary of the Company, through the distribution of at least 80% of Enova’s outstanding common stock to shareholders of the Company (the “Enova Spin-off Transaction”), which, if consummated, will result in Enova becoming a
separate publicly traded company; 

 WHEREAS, in connection with the contemplated Enova Spin-off Transaction, Enova is seeking
to raise up to $700,000,000 via a public or private bond offering (the “Enova Debt Issuance”) in order to, among other things, repay certain intercompany indebtedness owed by Enova to the Company; and 

WHEREAS, in connection with the contemplated Enova Debt Issuance, the Company has requested that the Enova Entities (as defined below)
be released as guarantor(s) under the separate Joint and Several Guaranties executed in respect of each Note Purchase Agreement (collectively, the “Joint and Several Guaranties”); 

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows: 
 2. DEFINED TERMS. 

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

 3. RELEASE OF CERTAIN GUARANTORS. 

Subject to satisfaction of the conditions precedent set forth in Section 6 hereof, each of the Noteholders hereby consents and releases,
effective as of the Enova Consent Effective Date (as defined below), Enova and each of its Subsidiaries listed on Annex 2 hereto (collectively the “Enova Entities”) from their respective obligations and liabilities under each
Joint and Several Guaranty (the “Enova Guaranty Release”). Except as expressly granted by the Enova Guaranty Release, nothing in this Agreement shall in any way affect, limit, contravene or amend any of the obligations or
liabilities of the other Guarantors (the “Remaining Obligors”) under the Joint and Several Guaranties. Each Remaining Obligor by execution of this Agreement agrees that it shall have no Contribution Rights against any of the Enova
Entities as contemplated by Section 1 of each of the Subrogation and Contribution Agreements executed in connection with the Note Purchase Agreements. This consent to the Enova Guaranty Release is a limited consent and shall not be deemed to
constitute a waiver or consent with respect to any other current or future departure from the requirements of any provision of the Note Purchase Agreements or the other Loan Documents. 

4. WAIVER AND AMENDMENT. 
 (a)
Waiver. Subject to satisfaction of each of the conditions precedent set forth in Section 6 hereof (other than, in the case of the Enova Debt Consent, the conditions precedent set forth in Sections 6(c) and 6(d)(i) below) and subject to
the next succeeding sentence hereof, each of the Noteholders hereby waives compliance with the covenants set forth in (x) the second sentence of Section 9.5 of each of the Note Purchase Agreements and (y) Sections 10.2, 10.6 and 10.8
of each of the Note Purchase Agreements, in each case solely to the extent necessary to permit both the consummation of the Enova Debt Issuance (the “Enova Debt Consent”) and the consummation of the Enova Spin-Off Transaction (the
“Enova Spin-Off Consent” and together 

  
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with the Enova Debt Consent, collectively, the “Enova Consents”) and, by virtue of this waiver, the consummation of the Enova Debt Issuance and the Enova Spin-Off Transaction
shall not constitute a Default or an Event of Default under the Note Purchase Agreements or the other respective Loan Documents as a result of the Company’s failure to comply with any such section of the Note Purchase Agreements in connection
with the consummation of such transactions. Notwithstanding anything contained herein to the contrary, the Enova Consents (and the agreement by the Noteholders to provide such Enova Consents pursuant to this Section 4) shall cease to be
effective upon the earliest to occur of: 
 (i) the occurrence of any Default or Event of Default under the Note Purchase
Agreements, 
 (ii) the date that is two Business Days after the date on which the Enova Debt Issuance is consummated, if, on
or prior to such date, the Company shall have failed to repay the Notes in full, together with all accrued and unpaid interest thereon and the Make-Whole Amount payable in connection therewith, in accordance with Section 5 hereof, 

(iii) the failure of the Company to comply with its obligations set forth in Section 5(a) or Section 5(c) below, 

(iv) July 31, 2014, to the extent the Enova Debt Issuance is not consummated on or prior to such date, 

(the earliest date on which any event described in clauses (i), (ii) or (iii) above occurs, a “Waiver Termination Date”). If the
Waiver Termination Date should occur, the Enova Consents granted pursuant to this Section 4 shall immediately terminate and be void ab initio and this Agreement shall not operate to waive any rights or remedies of the holders of the
Notes with respect to any Default or Event of Default arising in connection with the consummation of the Enova Debt Issuance and the Enova Spin-Off Transaction. If the Company shall have indefeasibly repaid the Notes in full in cash, together with
all accrued and unpaid interest thereon and the Make-Whole Amount and all other amounts payable in connection therewith, in accordance with Section 5 hereof, the waivers granted pursuant to this Section 4 shall be permanent and shall not
terminate. 
 (b) Amendments. 

(i) The Company and each of the Noteholders hereby agree that the second sentence in Section 8.2 of each of the Note
Purchase Agreements is hereby amended and restated in its entirety to read as follows: 
 “The Company will give each
holder of Notes written notice of each optional prepayment under this Section 8.2 not less than 30 days and not more than 60 days prior to the date fixed for such prepayment; provided that, solely with respect to any optional prepayment
in full of all Notes under this Section 8.2 in connection with the consummation of the Enova Debt Issuance, (x) the Company shall be required to give the holders of Notes two Business Days’ prior written notice of any such prepayment,
and (y) any such notice delivered pursuant 

  
 3 

 
to clause (x) shall be accompanied by a certificate of a Senior Financial Officer specifying the calculation of the Make-Whole Amount due in connection with such prepayment as of the
prepayment date specified in such notice (which certificate shall be deemed to satisfy the requirements for delivery of Make-Whole Amount calculations set forth in the next two succeeding sentences of this Section 8.2).” 

(ii) The Company and each of the Noteholders hereby agree that Schedule B to each of the Note Purchase Agreements is hereby
amended by inserting the following new defined term in its appropriate alphabetical order: 
 “Enova Debt
Issuance” shall have the meaning specified in that certain Omnibus Waiver, Consent and Amendment Agreement, dated as of May [9], 2014, by and among the Company, the Guarantors party thereto and each of the Noteholders. 

(c) Effect of Waivers and Amendments. The consents, waivers and amendments set forth in this Section 4 are limited to the matters
expressly set forth herein and shall not be deemed to waive, amend, or modify any other term in the Note Purchase Agreements. 
 5. AGREEMENT TO PREPAY
NOTES. 
 (a) Notice of Prepayment; Prepayment. On or prior to the date on which the Enova Debt Issuance is consummated, the
Company will provide written notice to the Noteholders of the exercise of its option to prepay the Notes in full in cash in accordance with Section 8.2 of each of the Note Purchase Agreements (the “Prepayment Notice”). Such
Prepayment Notice shall (i) provide for the election by the Company to prepay the entire outstanding principal amount of the Notes in full, together with all accrued interest thereon to the date of such prepayment, the applicable Make-Whole
Amount payable in respect thereof and all fees and other amounts payable in connection therewith (collectively, the “Pay-Off Amount”); (ii) specify the date fixed for such prepayment, which shall, in no event, be later than the
date that is two Business Days after the date on which the Enova Debt Issuance is consummated (the “Prepayment Date”); and (iii) contain such other information and attach such additional certificates as may be required by
Section 8.2 of each of the Note Purchase Agreements (as amended by this Agreement). On the Prepayment Date, the Company shall prepay the Notes in full in cash by wire transfer of immediately available funds in accordance with the terms of the
respective Note Purchase Agreements (regardless of whether the Enova Spin-off Transaction is consummated prior to such Prepayment Date). 

(b) Settlement Payment in Respect of Notes. The Noteholders agree that, in exchange for, and conditioned upon the Company’s payment
of the Pay-Off Amount in cash by wire transfer of immediately available funds, the Noteholders shall deliver all Notes to the Company in accordance with Section 18 of each of the Note Purchase Agreements promptly following receipt of the
Pay-Off Amount. Such payment is in settlement of the Company’s obligations in respect of the Notes and the Note Purchase Agreements and constitutes a settlement payment in respect of a securities contract for purposes of Section 546(e) of
the United States Bankruptcy Code of 1978, as amended. 

  
 4 

 (c) Obligors under Enova Debt Documents. The Company shall not, and shall not permit any
of its Remaining Obligors, to incur any guarantee obligations, or otherwise become liable, in respect of the Enova Debt Documents (as defined below). 

(d) Additional Event of Default. The failure of the Company to comply with the covenants set forth in any one or more of Sections 5(a)
or 5(c) above shall constitute an immediate Event of Default pursuant to Section 11(c) of the Note Purchase Agreement. 
 6. CONDITIONS TO
EFFECTIVENESS OF CONSENTS AND WAIVERS. 
 The consents and waivers set forth in Section 3 and Section 4(a) of this Agreement
shall be effective, if at all, as of the date (such date, the “Enova Consent Effective Date”) on which each of the following conditions precedent shall have been satisfied or waived by the holders of the Notes in writing; provided,
however, (x) the Enova Debt Consent set forth in Section 4(a) shall be effective upon the satisfaction of the conditions set forth in clauses (a), (b) and (d)(ii) below, and (y) the date on which the conditions precedent set
forth in this Section 6 are satisfied or waived by the holders of the Notes occurs on or prior to July 31, 2014: 
 (a) Each
Noteholder shall have received a counterpart of this Agreement, duly executed by the Company and each of the other Noteholders. 
 (b) The
representations and warranties contained herein shall be true and correct in all material respects. 
 (c) The Enova Debt Issuance shall have
been consummated. 
 (d) No default or event of default shall have occurred and be continuing under (i) the loan agreement, note
purchase agreement, indenture or other documents, instrument and agreements relating to the Enova Debt Issuance (collectively, the “Enova Debt Documents”) or (ii) that certain Credit Agreement, dated as of March 30, 2011,
by and among the Company, the guarantors party thereto, the lenders party thereto and Wells Fargo Bank, National Association, as administrative agent, as amended (the “Credit Agreement”). 

7. REPRESENTATIONS AND WARRANTIES. 
 To
induce the Noteholders to consent to this Agreement, the Company represents and warrants as follows: 
 7.1. Organization; Power and
Authority. 
 (a) The Company is a corporation, duly organized and validly existing under the laws of the State of Texas. The Company is
duly qualified and in good standing as a foreign corporation in each other jurisdiction where such qualification is required by law (to the extent that such concepts are recognized in such jurisdiction), other than those jurisdictions as to which
the failure to be so qualified or in good standing could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. 

  
 5 

 (b) The Company has the requisite power and authority to own or hold under lease the properties
it purports to own or hold under lease, to transact the business it transacts and proposes to transact, to execute and deliver this Agreement and to perform the provisions hereof. 

7.2. Authorization, etc. 

This Agreement has been duly authorized by all necessary corporate action on the part of the Company, and constitutes a legal, valid and
binding obligation of the Company enforceable against the Company in accordance with its terms, except as such enforceability may be limited by (a) applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting
the enforcement of creditors’ rights generally and (b) general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law). 

7.3. Compliance with Laws, Other Instruments, etc. 

The execution, delivery and performance by the Company of this Agreement will not: 

(a) contravene, result in any breach of, or constitute a default under, or result in the creation of any Lien in respect of any property of the
Company or any Subsidiary under, the Enova Debt Documents or any indenture, mortgage, deed of trust, loan, purchase or credit agreement (including, without limitation, the Credit Agreement), lease, or any other agreement or instrument to which the
Company or any Subsidiary is bound or by which the Company or any Subsidiary or any of their respective properties may be bound or affected, except in each case, such as could not reasonably be expected to result in a Material Adverse Effect, 

(b) violate the corporate charter, articles of organization, by-laws, operating agreement or other similar organizational documents of the
Company or any Subsidiary, 
 (c) conflict with or result in a breach of any of the terms, conditions or provisions of any order, judgment,
decree, or ruling of any court, arbitrator or Governmental Authority applicable to the Company or any Subsidiary, or 
 (d) violate any
provision of any statute or other rule or regulation of any Governmental Authority applicable to the Company or any Subsidiary. 
 7.4.
Governmental Authorizations, etc. 
 No consent, approval or authorization of, or registration, filing or declaration with, any
Governmental Authority is required in connection with the execution, delivery or performance by the Company of this Agreement. 
 7.5.
Disclosure. 
 This Agreement, each other document, certificate or other writing delivered to each Noteholder by or on behalf of the
Company in connection with the transactions contemplated hereby and the financial statements and other documents delivered to the Noteholders prior to the date hereof pursuant to Section 7 of each of the Note Purchase Agreements do not contain
any untrue statement of a material fact or omit to state any material fact necessary to make the 

  
 6 

 
statements therein not misleading in light of the circumstances under which they were made. Since December 31, 2013, there has been no change in the financial condition, operations,
business, properties or prospects of the Company except changes that individually or in the aggregate could not reasonably be expected to have a Material Adverse Effect. There is no fact known to the Company that could reasonably be expected to have
a Material Adverse Effect. 
 7.6. No Defaults. 

No event has occurred and is continuing and no condition exists which, upon the effectiveness of the consents, waivers and amendments provided
for in this Agreement, would constitute a Default or Event of Default. 
 7.7. Bringdown of Representations and Warranties. 

Each of the representations and warranties set forth in Section 5 of each of the Note Purchase Agreements is true, correct and complete in
all respects as of the date hereof (except to the extent such representations and warranties expressly relate to another date, in which case such representations and warranties are true, correct and complete as of such other date). 

7.8. Registered Holders of Notes. 

The Company represents to each of the Noteholders that: 

(a) the register kept by the Company for the registration and transfer of the 2006 Notes provided for in Section 13.1 of the 2006 Note
Purchase Agreement indicates that each of the Persons named in Part A of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2006 Notes indicated in such Annex; 

(b) the register kept by the Company for the registration and transfer of the 2010 Notes provided for in Section 13.1 of the 2010 Note
Purchase Agreement indicates that each of the Persons named in Part B of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2010 Notes indicated in such Annex; and 

(c) the register kept by the Company for the registration and transfer of the 2012 Notes provided for in Section 13.1 of the 2012 Note
Purchase Agreement indicates that each of the Persons named in Part C of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2012 Notes indicated in such Annex. 

8. EXPENSES. 
 Whether or not the
consents, waivers and amendments in Sections 3 and 4 hereof become effective, the Company will promptly (and in any event within thirty (30) days of receiving any statement or invoice therefor) pay all fees, expenses and costs of the
Noteholders relating to this Agreement, including, but not limited to, the reasonable fees of the special counsel of the holders of the Notes, Bingham McCutchen LLP, incurred in connection with the preparation, negotiation and delivery of this
Agreement and any other documents related thereto. Nothing in this Section 8 shall limit the Company’s obligations pursuant to any provisions related to fees and expenses, including without limitation, Section 15.1 of each of the Note
Purchase Agreements. 

  
 7 

 9. RELEASE. 

The Company hereby acknowledges and agrees, on behalf of itself and each of its Subsidiaries, that: (a) neither it nor any of its
Subsidiaries has any claim or cause of action against any holder of the Notes (or any of their respective Affiliates, officers, directors, employees, attorneys, consultants or agents in their capacities as such for any holder of the Notes) in
connection with the Note Purchase Agreements, the Notes or any of the other Loan Documents and (b) each holder of the Notes has heretofore properly performed and satisfied in a timely manner all of its obligations to the Company and its
Subsidiaries under the Loan Documents that are required to have been performed on or prior to the date hereof. Notwithstanding the foregoing, the holders of the Notes wish (and the Company agrees) to eliminate any possibility that any past
conditions, acts, omissions, events or circumstances would impair or otherwise adversely affect any of the holders’ rights, interests, security and/or remedies under the Loan Documents. Accordingly, for and in consideration of the agreements
contained in this Agreement and other good and valuable consideration the receipt and sufficiency of which are hereby acknowledged, the Company (for itself and each Subsidiary) (collectively, the “Releasors”) does hereby fully,
finally, unconditionally and irrevocably release and forever discharge each holder of the Notes and each of their respective Affiliates, officers, directors, employees, attorneys, consultants and agents (collectively, the “Noteholder
Released Parties”) from any and all debts, claims, losses, obligations, damages, costs, attorneys’ fees, suits, demands, liabilities, actions, proceedings and causes of action, in each case, whether known or unknown, contingent or
fixed, direct or indirect, and of whatever nature or description, and whether in law or in equity, under contract, tort, statute or otherwise, which any Releasor has heretofore had or now or hereafter can, shall or may have against any Noteholder
Released Party by reason of any act, omission or thing whatsoever done or omitted to be done on or prior to the Enova Consent Effective Date directly arising out of, connected with or related to this Agreement, the Note Purchase Agreements, the
Notes or any other Loan Documents, or any act, event or transaction related or attendant thereto, or the agreements of any holder of the Notes contained therein; provided, however, that nothing herein shall release any holder of the Notes
from its agreements and obligations contained in this Agreement. 
 10. SURVIVAL OF REPRESENTATIONS AND WARRANTIES. 

All representations and warranties made in this Agreement shall survive the execution and delivery of this Agreement, and no investigation by
any Noteholder shall affect such representations and warranties or the right of the Noteholders to rely upon them. 
 11. CONSENT AND REAFFIRMATION.

 Each of the Guarantors (other than the Enova Entities), by its execution of this Agreement, hereby agrees and acknowledges that
(i) notwithstanding the effectiveness of, and satisfaction of the conditions under, this Agreement, the Joint and Several Guaranty shall remain in full force and effect without modification thereto and (ii) nothing herein shall in any way
limit any of the terms or provisions of the Joint and Several Guaranty, all of which are hereby ratified, confirmed and affirmed in all respects. 

  
 8 

 12. MISCELLANEOUS. 

12.1. Part of Existing Note Purchase Agreements; Future References, etc. 

This Agreement shall be construed in connection with and as a part of each of the Note Purchase Agreements and, except as expressly provided
herein, (a) no terms or provisions of the Note Purchase Agreements or any other Loan Document are modified or changed by this Agreement, (b) the terms of this Agreement shall not operate as an amendment or waiver by any Noteholder of, or
otherwise prejudice any Noteholder’s rights, remedies or powers under, the Note Purchase Agreements, the Notes or any other Loan Document or under any applicable law, and (c) the terms and provisions of the Note Purchase Agreements, the
Notes and the other Loan Documents shall continue in full force and effect. Any and all notices, requests, certificates and other instruments executed and delivered after the execution and delivery of this Agreement may refer to the respective Note
Purchase Agreements without making specific reference to this Agreement, but nevertheless all such references shall include this Agreement unless the context otherwise requires. 

12.2. Counterparts. 
 This
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. Delivery of an executed counterpart of a signature page of this Agreement by telecopy or by electronic transmission shall be effective as delivery of a manually executed counterpart of this Agreement.

 12.3. Governing Law. 

THIS 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 SUCH STATE. 

12.4. Binding Effect. 

This Agreement shall be binding upon and shall inure to the benefit of the Company and the Noteholders and their respective successors and
assigns. 
 [Remainder of page intentionally left blank. Next page is signature page.] 

  
 9 

 IN WITNESS WHEREOF, the parties hereto have caused the execution of this Agreement by duly
authorized officers of each as of the date first above written. 
  

			
	CASH AMERICA INTERNATIONAL, INC.
		
	By:	 	 /s/ Austin D. Nettle

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

 
					
	2006 NOTEHOLDERS:
	
	 DEARBORN NATIONAL LIFE INSURANCE COMPANY

MINNESOTA LIFE INSURANCE COMPANY

CINCINNATI INSURANCE COMPANY

FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN

BLUE CROSS AND BLUE SHIELD OF FLORIDA, INC.

GREAT WESTERN INSURANCE COMPANY

FIDELITY LIFE ASSOCIATION

AMERICAN REPUBLIC INSURANCE COMPANY

TRUSTMARK INSURANCE COMPANY

SECURITY NATIONAL LIFE INSURANCE COMPANY

		
	By:	 	Advantus Capital Management, Inc.
			
		 	By:	 	/s/ James F. Geiger
		 	Name:	 	James F. Geiger
		 	Title:	 	Vice President

 
					
	MIDLAND NATIONAL LIFE INSURANCE COMPANY
		
	By:	 	Guggenheim Partners Investment Management, LLC
			
		 	By:	 	/s/ W R H
		 	Name:	 	William Hagner
		 	Title:	 	Attorney-In-Fact
	
	NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE
		
	By:	 	Guggenheim Partners Investment Management, LLC
			
		 	By:	 	/s/ W R H
		 	Name:	 	William Hagner
		 	Title:	 	Attorney-In-Fact

 
					
	 CMFG LIFE INSURANCE COMPANY

CUMIS INSURANCE SOCIETY

		
	By:	 	MEMBERS Capital Advisors, Inc., acting as Investment Advisor
			
		 	By:	 	 /s/ Allen R. Cantrell

		 	Name:	 	Allen R. Cantrell
		 	Title:	 	Managing Director, Investments

 
			
	PHOENIX LIFE INSURANCE COMPANY
		
	By:	 	/s/ Paul M. Chute
	Name:	 	Paul M. Chute
	Title:	 	Senior Managing Director, Private
	Placements

 
			
	OHIO NATIONAL LIFE ASSURANCE CORPORATION
		
	By:	 	 /s/ Annette M. Teders

	Name:	 	Annette M. Teders
	Title:	 	Vice President, Private Placements
	
	THE OHIO NATIONAL LIFE INSURANCE COMPANY
		
	By:	 	 /s/ Annette M. Teders

	Name:	 	Annette M. Teders
	Title:	 	Vice President, Private Placements

 
					
	PRIMERICA LIFE INSURANCE COMPANY
		
	By:	 	Conning, Inc., as Investment Manager
			
		 	By:	 	 /s/ Samuel Otchere

		 	Name: Samuel Otchere
		 	Title: Director
	
	AMERICAN HEALTH AND LIFE INSURANCE COMPANY
			
	By:	 		 	Conning, Inc., as Investment Manager
			
		 	By:	 	 /s/ Samuel Otchere

		 	Name: Samuel Otchere
		 	Title: Director
	
	 NATIONAL BENEFIT LIFE INSURANCE COMPANY

		
	By:	 	Conning, Inc., as Investment Manager
			
		 	By:	 	 /s/ Samuel Otchere

		 	Name: Samuel Otchere
		 	Title: Director

 
					
	 2010 NOTEHOLDERS:
  

MINNESOTA LIFE INSURANCE COMPANY

AMERICAN FIDELITY ASSURANCE COMPANY

MTL INSURANCE COMPANY

UNITED INSURANCE COMPANY OF AMERICA

FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN

FARM BUREAU MUTUAL INSURANCE COMPANY OF MICHIGAN

THE MUTUAL SAVINGS LIFE INSURANCE COMPANY

COLORADO BANKERS LIFE INSURANCE COMPANY

GREAT WESTERN INSURANCE COMPANY

AMERICAN REPUBLIC INSURANCE COMPANY

NEW ERA LIFE INSURANCE COMPANY

		
	By:	 	Advantus Capital Management, Inc.
			
		 	By:	 	 /s/ James F. Geiger

		 	Name: James F. Geiger
		 	Title: Vice President

 
			
	PHOENIX LIFE INSURANCE COMPANY
		
	By:	 	 /s/ Paul M. Chute

	Name: Paul M. Chute
	Title: Senior Managing Director, Private Placements
	
	PHL VARIABLE INSURANCE COMPANY
		
	By:	 	 /s/ Paul M. Chute

	Name: Paul M. Chute
	Title: Its Duly Authorized Officer

 
					
	 2012 NOTEHOLDERS:
  

MINNESOTA LIFE INSURANCE COMPANY

TRINITY UNIVERSAL INSURANCE COMPANY

UNITED INSURANCE COMPANY OF AMERICA

AMERICAN FIDELITY ASSURANCE COMPANY

VANTIS LIFE INSURANCE COMPANY

GREAT WESTERN INSURANCE COMPANY

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY

FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN

FARM BUREAU MUTUAL INSURANCE COMPANY OF MICHIGAN

FARM BUREAU GENERAL INSURANCE COMPANY OF MICHIGAN

AMERICAN REPUBLIC INSURANCE COMPANY

		
	By:	 	Advantus Capital Management, Inc.
			
		 	By:	 	 /s/ James F. Geiger

		 	Name: James F. Geiger
		 	Title: Vice President

 
			
	GREAT AMERICAN LIFE INSURANCE COMPANY
		
	By:	 	 /s/ Mark F. Muething

	Name: Mark F. Muething
	Title: Executive Vice President
	
	GREAT AMERICAN INSURANCE COMPANY
		
	By:	 	 /s/ Stephen Beraha

	Name: Stephen Beraha
	Title: Assistant Vice President

 
					
	SENIOR HEALTH INSURANCE COMPANY OF PENNSYLVANIA
		
	By:	 	Conning, Inc., as Investment Manager
			
		 	By:	 	 /s/ Samuel Otchere

		 	Name: Samuel Otchere
		 	Title: Director
	
	NATIONAL BENEFIT LIFE INSURANCE COMPANY
		
	By:	 	Conning, Inc., as Investment Manager
			
		 	By:	 	 /s/ Samuel Otchere

		 	Name: Samuel Otchere
		 	Title: Director

 
			
	THE OHIO NATIONAL LIFE INSURANCE COMPANY
		
	By:	 	 /s/ Annette M. Teders

	Name: Annette M. Teders
	Title: Vice President, Private Placements
	
	OHIO NATIONAL LIFE ASSURANCE CORPORATION
		
	By:	 	 /s/ Annette M. Teders

	Name: Annette M. Teders
	Title: Vice President, Private Placements
	
	MONTGOMERY RE, INC.
		
	By:	 	 /s/ Paul J. Gerard

	Name: Paul J. Gerard
	Title: Authorized Signer

 
			
	PHOENIX LIFE INSURANCE COMPANY
		
	By:	 	 /s/ Paul M. Chute

	Name: Paul M. Chute
	Title: Senior Managing Director, Private Placements
	
	PHL VARIABLE INSURANCE COMPANY
		
	By:	 	 /s/ Paul M. Chute

	Name: Paul M. Chute
	Title: Its Duly Authorized Officer

 
					
	GUARANTORS
	
	ENOVA INTERNATIONAL, INC.
		
	By:	 	 /s/ Austin D. Nettle

	Name: Austin D. Nettle
	Title: Vice President and Assistant Treasurer
	
	CASH AMERICA MANAGEMENT L.P.
	CASH AMERICA PAWN L.P.
		
	By:	 	Cash America Holding, Inc.
		 	The General Partner of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 	Name: Austin D. Nettle
		 	Title: Vice President and Treasurer
	
	OHIO NEIGHBORHOOD CREDIT SOLUTIONS, LLC
		
	By:	 	Ohio Neighborhood Finance, Inc.,
		 	Its sole member
			
		 	By:	 	 /s/ Austin D. Nettle

		 	Name: Austin D. Nettle
		 	Title: Vice President and Treasurer
	
	CNU ONLINE HOLDINGS, LLC
	DEBIT PLUS, LLC
	BILLERS ACCEPTANCE GROUP, LLC
	DP LABOR HOLDINGS, LLC
	PF LABOR HOLDINGS, LLC
		
	By:	 	 /s/ Austin D. Nettle

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

 
			
	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 INTERNET SALES, INC.
	CASH AMERICA OF MEXICO, INC.
	CASH AMERICA PAWN, INC. OF OHIO
	CASHLAND FINANCIAL SERVICES, INC.
	CNU DOLLARSDIRECT INC.
	CNU DOLLARSDIRECT LENDING INC.
	 DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, 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.
	MOBILE LEASING GROUP, INC.
	MR. PAYROLL CORPORATION
	OHIO NEIGHBORHOOD FINANCE, 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

 
					
	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 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
		
	By:	 	CNU Online Holdings, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

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

 
					
	CNU OF TEXAS, LLC
	CNU OF UTAH, LLC
	CNU OF VIRGINIA, LLC
	CNU OF WASHINGTON, LLC
	CNU OF WISCONSIN, LLC
	CNU OF WYOMING, LLC
	DOLLARSDIRECT, LLC
	CNU TECHNOLOGIES OF ALABAMA, LLC
	CNU TECHNOLOGIES OF ARIZONA, LLC
	CNU TECHNOLOGIES OF CALIFORNIA, LLC
	CNU TECHNOLOGIES OF IOWA, LLC
	 CNU TECHNOLOGIES OF NEW MEXICO, LLC

	 CNU TECHNOLOGIES OF SOUTH CAROLINA, LLC

	CNU TECHNOLOGIES OF WISCONSIN, LLC
	 HEADWAY CAPITAL, LLC (f/k/a TrafficGen, LLC)

	CASHEURONET UK, LLC
	EURONETCASH, LLC
	ENOVA BRAZIL, LLC
	AEL NET MARKETING, LLC
	 ENOVA INTERNATIONAL GEC, LLC (f/k/a AEL Net of Illinois, LLC)

	AEL NET OF MISSOURI, LLC
	NC FINANCIAL SOLUTIONS, LLC
		
	By:	 	CNU Online Holdings, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

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

 
					
	 NC FINANCIAL SOLUTIONS OF ALABAMA, LLC

	 NC FINANCIAL SOLUTIONS OF ARIZONA, LLC

	 NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC

	 NC FINANCIAL SOLUTIONS OF COLORADO, LLC

	 NC FINANCIAL SOLUTIONS OF DELAWARE, LLC

	 NC FINANCIAL SOLUTIONS OF GEORGIA, LLC

	 NC FINANCIAL SOLUTIONS OF IDAHO, LLC

	 NC FINANCIAL SOLUTIONS OF ILLINOIS, LLC

	 NC FINANCIAL SOLUTIONS OF KANSAS, LLC

	 NC FINANCIAL SOLUTIONS OF MARYLAND, LLC

	 NC FINANCIAL SOLUTIONS OF MISSISSIPPI, LLC

	 NC FINANCIAL SOLUTIONS OF MISSOURI, LLC

	 NC FINANCIAL SOLUTIONS OF NEVADA, LLC

	 NC FINANCIAL SOLUTIONS OF NEW MEXICO, LLC

	 NC FINANCIAL SOLUTIONS OF NORTH DAKOTA, LLC

	 NC FINANCIAL SOLUTIONS OF OHIO, LLC

	 NC FINANCIAL SOLUTIONS OF SOUTH CAROLINA, LLC

	 NC FINANCIAL SOLUTIONS OF SOUTH DAKOTA, LLC

	 NC FINANCIAL SOLUTIONS OF TENNESSEE, LLC

	 NC FINANCIAL SOLUTIONS OF TEXAS, LLC

	 NC FINANCIAL SOLUTIONS OF UTAH, LLC

	 NC FINANCIAL SOLUTIONS OF VIRGINIA, LLC

	 NC FINANCIAL SOLUTIONS OF WISCONSIN, LLC

		
	By:	 	NC Financial Solutions, LLC
		 	The sole member of each of the foregoing entities
			
		 	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:	 	CNU of New Mexico, LLC,
		 	Manager of each of the foregoing entities
			
		 	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
	DEBIT PLUS SERVICES, LLC
	DEBIT PLUS PAYMENT SOLUTIONS, LLC
		
	By:	 	Debit Plus, LLC,
		 	The sole member of each of the foregoing entities
			
		 	By:	 	 /s/ Austin D. Nettle

		 	Name:	 	Austin D. Nettle
		 	Title:	 	Vice President and Treasurer
	
	STRATEGIC RECEIVABLE MANAGEMENT SOLUTIONS, LLC
		
	By:	 	 /s/ Curtis Linscott

	Name:	 	J. Curtis Linscott
	Title:	 	Manager
	
	ENOVA FINANCIAL HOLDINGS, LLC
		
	By:	 	 /s/ Austin D. Nettle

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

 
					
	CAMEX HOLDING, LLC
		
	By:	 	Cash America of Mexico, Inc.,
		 	Its sole member
			
		 	By:	 	 /s/ Austin D. Nettle

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

 ANNEX 1 

NOTEHOLDERS AND PRINCIPAL AMOUNTS 

PART A: 2006 NOTEHOLDERS 
  

			
	 Name of Noteholder
	  	 Series; Note Registration
Number; Outstanding
Principal
Amount

	 Dearborn National Life Insurance Company (f/k/a Fort Dearborn Life Insurance Company) (issued in the nominee name of ELL &
Co.)
	  	 Series B:
 No. RB-19; $2,181,818.18

No. RB-20; $727,272.73
 No. RB-21; $727,272.73

	 Minnesota Life Insurance Company
	  	 Series A:
 No. RA-1; $2,400,000

	 Cincinnati Insurance Company
	  	 Series B:
 No. RB-4;
$2,545,454.55

	 Farm Bureau Life Insurance Company of Michigan
	  	 Series B:
 No. RB-5;
$2,181,818.18

	 Blue Cross and Blue Shield of Florida, Inc. (issued in the nominee name of Hare & Co.)
	  	 Series B:
 No. RB-6;
$1,090,909.09

	 Great Western Insurance Company (issued in the nominee name of Wells Fargo Bank for Great Western Insurance Company)
	  	 Series B:
 No. RB-22;
$727,272.73

	 Fidelity Life Association (issued in the nominee name of ELL & Co.)
	  	 Series A:
 No. RA-2; $600,000

	 American Republic Insurance Company (issued in the nominee name of Wells Fargo Bank N.A. as Custodian for American Republic Insurance
Company)
	  	 Series A:
 No. RA-3; $600,000

	 Trustmark Insurance Company (issued in the nominee name of ELL & Co.)
	  	 Series A:
 No. RA-4; $600,000

	 Security National Life Insurance Company (issued in the nominee name of Howe & Co.)
	  	 Series B;
 No. RB-8;
$363,636.36

	 Midland National Life Insurance Company (issued in the nominee name of Hare & Co.)
	  	 Series A:
 No. RA-5; $4,800,000

No. RA-6; $600,000

	 North American Company for Life and Health Insurance (issued in the nominee name of Hare & Co.)
	  	 Series A:
 No. RA-7; $1,800,000

No. RA-8; $1,800,000

	 CMFG Life Insurance Company (issued in the nominee name of Turnkeys & Co.)
	  	 Series B:
 No. RB-9;
$3,436,363.64

  
 Annex 1-22 

			
	 CMFG Life Insurance Company (issued in the nominee name of Turnkeys & Co.)
	  	 Series B:
 No. RB-10;
$2,290,909.09

	 CUMIS Insurance Society (issued in the nominee name of Turnjetty & Co.)
	  	 Series B:
 No. RB-11;
$1,145,454.55

	 CMFG Life Insurance Company (issued in the nominee name of Turnkeys & Co.)
	  	 Series B:
 No. RB-12;
$763,636.36

	 Phoenix Life Insurance Company
	  	 Series A:
 No. RA-9; $1,800,000

No. RA-10; $1,200,000

	 Ohio National Life Assurance Corporation
	  	 Series A:
 No. RA-11;
$1,200,000

	 The Ohio National Life Insurance Company
	  	 Series A:
 No. RA-12;
$1,200,000

	 Primerica Life Insurance Company
	  	 Series A:
 No. RA-13;
$1,200,000

	 American Health and Life Insurance Company
	  	 Series A:
 No. RA-14; $900,000

	 National Benefit Life Insurance Company
	  	 Series A:
 No. RA-15; $300,000

 PART B: 2010 NOTEHOLDERS 
  

			
	 Name of Noteholder
	  	 Note Registration
Number; Outstanding

Principal Amount

	 Minnesota Life Insurance Company
	  	No. R-1; $3,000,000
	 American Fidelity Assurance Company (issued in the nominee name FFB Registration)
	  	No. R-2; $1,800,000
	 MTL Insurance Company (issued in the nominee name ELL & Co.)
	  	No. R-3; $1,200,000
	 United Insurance Company of America (issued in the nominee name Hare & Co.)
	  	No. R-4; $1,200,000
	 Farm Bureau Life Insurance Company of Michigan
	  	No. R-5; $1,200,000
	 Farm Bureau Mutual Insurance Company of Michigan
	  	No. R-6; $600,000
	 The Mutual Savings Life Insurance Company (issued in the nominee name Band & Co.)
	  	No. R-7; $600,000
	 Colorado Bankers Life Insurance Company (issued in the nominee name ELL & Co. F/A/O Colorado Bankers Life Insurance
Company)
	  	No. R-17; $300,000

  
 Annex 1-23 

			
	 Great Western Insurance Company (issued in the nominee name Wells Fargo For Great Western Insurance Company)
	  	No. R-18; $300,000
	 American Republic Insurance Company (issued in the nominee name Wells Fargo Bank N.A. as Custodian for American Republic Insurance
Company)
	  	No. R-10; $300,000
	 New Era Life Insurance Company (issued in the nominee name Cudd & Co.)
	  	No. R-11; $300,000
	 Phoenix Life Insurance Company
	  	No. R-12; $1,200,000
	 Phoenix Life Insurance Company
	  	No. R-13; $1,200,000
	 PHL Variable Insurance Company
	  	No. R-14; $600,000
	 PHL Variable Insurance Company
	  	No. R-15; $600,000
	 PHL Variable Insurance Company
	  	No. R-16; $600,000

 PART C: 2012 NOTEHOLDERS 
  

			
	 Name of Noteholder
	  	 Series; Note Registration
Number; Outstanding
Principal
Amount

	 Minnesota Life Insurance Company
	  	 Series A:
 No. RA-1;
$10,200,000

	 Trinity Universal Insurance Company (issued in the nominee name Hare & Co.)
	  	 Series A:
 No. RA-2; $3,000,000

	 United Insurance Company of America (issued in the nominee name Hare & Co.)
	  	 Series A:
 No. RA-3; $2,000,000

	 American Fidelity Assurance Company (issued in the nominee name FFB Registration)
	  	 Series A:
 No. RA-4; $2,000,000

	 Vantis Life Insurance Company (issued in the nominee name Hare & Co.)
	  	 Series A:
 No. RA-5; $2,000,000

	 Great Western Insurance Company (issued in the nominee name Wells Fargo Bank NA Custodian FBO Great Western Insurance Company)
	  	 Series A:
 No. RA-6; $500,000

	 Equitable Life & Casualty Insurance Company (issued in the nominee name Wells Fargo Bank NA as Custodian for Equitable
Life & Casualty Insurance Company)
	  	 Series A:
 No. RA-7; $300,000

	 Farm Bureau Life Insurance Company of Michigan
	  	 Series B:
 No. RB-1; $2,000,000

	 Farm Bureau Mutual Insurance Company of Michigan
	  	 Series B:
 No. RB-2;
$1,000,000

  
 Annex 1-24 

			
	 Farm Bureau General Insurance Company of Michigan
	  	 Series B:
 No. RB-3; $1,000,000

	 American Republic Insurance Company (issued in the nominee name Wells Fargo Bank N.A. as Custodian for American Republic Insurance
Company)
	  	 Series B:
 No. RB-4; $1,000,000

	 Great American Life Insurance Company
	  	 Series A:
 No. RA-8; $7,000,000

	 Great American Insurance Company
	  	 Series A:
 No. RA-9; $3,000,000

	 Senior Health Insurance Company of Pennsylvania (issued in the nominee name Hare & Co.)
	  	 Series A:
 No. RA-10;
$2,500,000

	 National Benefit Life Insurance Company
	  	 Series A:
 No. RA-11; $500,000

	 The Ohio National Life Insurance Company
	  	 Series A;
 No. RA-12;
$4,000,000

	 Ohio National Life Assurance Corporation
	  	 Series A;
 No. RA-13;
$1,000,000

	 Montgomery RE, Inc.
	  	 Series A;
 No. RA-14;
$1,000,000

	 Phoenix Life Insurance Company
	  	 Series A:
 No. RA-15;
$2,000,000

	 PHL Variable Insurance Company
	  	 Series A:
 No. RA-16;
$1,000,000

	 PHL Variable Insurance Company
	  	 Series A:
 No. RA-17;
$2,000,000

	 PHL Variable Insurance Company
	  	 Series A:
 No. RA-18;
$2,000,000

	 PHL Variable Insurance Company
	  	 Series A:
 No. RA-19;
$1,000,000

  
 Annex 1-25 

 ANNEX 2 

ENOVA ENTITIES 
  

			
	 ENTITY NAME
	  	 STATE

	 AEL NET MARKETING, LLC
	  	DE
	 AEL NET OF MISSOURI, LLC
	  	DE
	 BILLERS ACCEPTANCE GROUP, LLC
	  	DE
	 CASHEURONET UK, LLC
	  	DE
	 CASHNET CSO OF MARYLAND, LLC
	  	DE
	 CASHNETUSA CO LLC
	  	DE
	 CASHNETUSA OF FLORIDA, LLC
	  	DE
	 CASHNETUSA OR LLC
	  	DE
	 CNU DOLLARSDIRECT INC.
	  	DE
	 CNU DOLLARSDIRECT LENDING, INC.
	  	DE
	 CNU OF ALABAMA, LLC
	  	DE
	 CNU OF ALASKA, LLC
	  	DE
	 CNU OF ARIZONA, LLC
	  	DE
	 CNU OF CALIFORNIA, LLC
	  	DE
	 CNU OF COLORADO, LLC
	  	DE
	 CNU OF DELAWARE, LLC
	  	DE
	 CNU OF FLORIDA, LLC
	  	DE
	 CNU OF HAWAII, LLC
	  	DE
	 CNU OF IDAHO, LLC
	  	DE
	 CNU OF ILLINOIS, LLC
	  	DE
	 CNU OF INDIANA, LLC
	  	DE
	 CNU OF KANSAS, LLC
	  	DE
	 CNU OF LOUISIANA, LLC
	  	DE
	 CNU OF MAINE, LLC
	  	DE
	 CNU OF MICHIGAN, LLC
	  	DE
	 CNU OF MINNESOTA, LLC
	  	DE
	 CNU OF MISSISSIPPI, LLC
	  	DE
	 CNU OF MISSOURI, LLC
	  	DE
	 CNU OF MONTANA, LLC
	  	DE
	 CNU OF NEVADA, LLC
	  	DE
	 CNU OF NEW HAMPSHIRE, LLC
	  	DE
	 CNU OF NEW MEXICO, LLC
	  	DE
	 CNU OF NORTH DAKOTA, LLC
	  	DE
	 CNU OF OHIO, LLC
	  	DE
	 CNU OF OKLAHOMA, LLC
	  	DE
	 CNU OF OREGON, LLC
	  	DE
	 CNU OF RHODE ISLAND, LLC
	  	DE
	 CNU OF SOUTH CAROLINA, LLC
	  	DE

			
	 ENTITY NAME
	  	 STATE

	 CNU OF SOUTH DAKOTA, LLC
	  	DE
	 CNU OF TENNESSEE, LLC
	  	DE
	 CNU OF TEXAS, LLC
	  	DE
	 CNU OF UTAH, LLC
	  	DE
	 CNU OF VIRGINIA, LLC
	  	DE
	 CNU OF WASHINGTON, LLC
	  	DE
	 CNU OF WISCONSIN, LLC
	  	DE
	 CNU OF WYOMING, LLC
	  	DE
	 CNU DOLLARS DIRECT, INC.
	  	DE
	 CNU DOLLARS DIRECT LENDING, INC.
	  	DE
	 CNU ONLINE HOLDINGS, LLC
	  	DE
	 CNU TECHNOLOGIES OF ALABAMA, LLC
	  	DE
	 CNU TECHNOLOGIES OF ARIZONA, LLC
	  	DE
	 CNU TECHNOLOGIES OF CALIFORNIA, LLC
	  	DE
	 CNU TECHNOLOGIES OF IOWA, LLC
	  	DE
	 CNU TECHNOLOGIES OF NEW MEXICO, LLC
	  	DE
	 CNU TECHNOLOGIES OF SOUTH CAROLINA, LLC
	  	DE
	 CNU TECHNOLOGIES OF WISCONSIN, LLC
	  	DE
	 DEBIT PLUS PAYMENT SOLUTIONS, LLC
	  	DE
	 DEBIT PLUS SERVICES, LLC
	  	DE
	 DEBIT PLUS TECHNOLOGIES, LLC
	  	DE
	 DEBIT PLUS, LLC
	  	DE
	 DOLLARSDIRECT, LLC
	  	DE
	 ENOVA BRAZIL, LLC
	  	DE
	 DP LABOR HOLDINGS, LLC
	  	
	 ENOVA FINANCIAL HOLDINGS, LLC
	  	DE
	 ENOVA INTERNATIONAL GEC, LLC
	  	DE
	 ENOVA INTERNATIONAL, INC.
	  	DE
	 ENOVA ONLINE SERVICES, INC.
	  	DE
	 EURONETCASH, LLC
	  	DE
	 HEADWAY CAPITAL, LLC
	  	DE
	 MOBILE LEASING GROUP, INC.
	  	DE
	 NC FINANCIAL SOLUTIONS OF ALABAMA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF ARIZONA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF COLORADO, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF DELAWARE, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF GEORGIA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF IDAHO, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF ILLINOIS, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF KANSAS, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF MARYLAND, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF MISSISSIPPI, LLC
	  	DE

			
	 ENTITY NAME
	  	 STATE

	 NC FINANCIAL SOLUTIONS OF MISSOURI, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF NEVADA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF NEW MEXICO, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF NORTH DAKOTA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF OHIO, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF SOUTH CAROLINA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF SOUTH DAKOTA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF TENNESSEE, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF TEXAS, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF UTAH, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF VIRGINIA, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS OF WISCONSIN, LLC
	  	DE
	 NC FINANCIAL SOLUTIONS, LLC
	  	DE
	 OHIO CONSUMER FINANCIAL SOLUTIONS, LLC
	  	DE
	 THE CHECK GIANT NM, LLC
	  	DE

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00231-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00231-of-00352.parquet"}]]