Document:

1999 Employee Share Purchase Plan, as Amended

 Exhibit 10.3 

 
 STANCORP FINANCIAL GROUP, INC. 

1999 EMPLOYEE SHARE PURCHASE PLAN 
  

1.    Purpose of the Plan. StanCorp Financial Group, Inc. (the “Company”) believes that ownership of
shares of its Common Stock by employees of the Company and its Participating Subsidiaries (hereinafter defined) is desirable as an incentive to better performance and improvement of profits, and as a means by which employees may share in the rewards
of growth and success. The purpose of the 1999 Employee Share Purchase Plan (the “Plan”) is to provide a convenient means by which employees of the Company and Participating Subsidiaries may purchase the Company’s shares through
payroll deductions and a method by which the Company may assist and encourage such employees to become share owners. 
  

2.    Shares Reserved for the Plan. There are 3,500,000 shares of the Company’s authorized Common Stock
reserved for issuance under the Plan. The number of shares reserved for issuance under the Plan is subject to adjustment in the event of any stock dividend, stock split, combination of shares, recapitalization or other change in the outstanding
Common Stock of the Company. The determination of whether an adjustment shall be made and the manner of any such adjustment shall be made by the Board of Directors of the Company, which determination shall be conclusive. 

 
 3.    Administration of the Plan.
The Plan shall be administered by the Board of Directors of the Company (the “Board of Directors”). The Board of Directors may promulgate rules and regulations for the operation of the Plan, adopt forms or electronic or telephonic
procedures for use in connection with the Plan, and decide any question of interpretation of the Plan or rights arising thereunder. The Board of Directors may consult with counsel for the Company on any matter arising under the Plan. All
determinations and decisions of the Board of Directors shall be conclusive. Notwithstanding the foregoing, the Board of Directors, if it so desires, may delegate to the Compensation Committee of the Board the authority for general administration of
the Plan. 
  
 4.    Eligible
Employees. Except as indicated below all regular employees of the Company and of each of the Company’s subsidiary corporations which is designated by the Board of Directors as a participant in the Plan (such participating subsidiary being
hereinafter called a “Participating Subsidiary) are eligible to participate in the Plan. Any employee who would, after a purchase of shares under the Plan, own or be deemed (under Section 424(d) of the Internal Revenue Code of 1986, as
amended (the “Code”)) to own stock (including stock subject to any outstanding options held by the employee) possessing 5% or more of the total combined voting power or value of all classes of stock of the Company or any parent or
subsidiary of the Company, shall be ineligible to participate in the Plan. A “regular employee” is a person who has been in the employ of the Company or a Participating Subsidiary for at least one calendar month and whose employment
relationship has not terminated (as determined under Section 1.421-1(h)(2) of U.S. Treasury Regulations or a successor regulations), excluding, however, any employee whose customary employment is less than 20 hours per week. 

  
 1 

 5.    Offerings. 

 
   (a)    Offering
Periods. Commencing on January 1, 2012, the Plan shall be implemented by a series of six-month offering periods (“Offering Periods”), with a new Offering Period commencing on February 2 and August 2 of each year;
provided, however, that for transitional purposes a one-time seven-month Offering Period shall commence on January 3, 2012. Each Offering Period commencing on February 2 of any year (as well as the Offering Period commencing on
January 3, 2012) shall end on August 1 of that year. Each Offering Period commencing on August 2 of any year shall end on February 1 of the following year. The first day of each Offering Period is the “Offering Date”
and the last day of each Offering Period is the “Purchase Date” for the Offering Period. Notwithstanding the foregoing provisions of this paragraph 5(a), (i) if an Offering Date would fall on a day on which the public equity
securities markets in the United States are not open for trading (a “Non-trading Day”), the Offering Date shall instead occur on the next day on which such markets are open for trading (a “Trading Day”), and (ii) if a
Purchase Date would fall on a Non-trading Day, the Purchase Date shall instead occur on the preceding Trading Day. 
  

  (b)    Grants; Limitations. On each Offering Date, each eligible employee is hereby
granted an option under the Plan to purchase shares of Common Stock on the Purchase Date for that Offering Period for the price determined under paragraph 7 of the Plan exclusively through payroll deductions authorized under paragraph 6 of the Plan;
provided, however, that (i) no such option shall permit the purchase of more than 2,500 shares, and (ii) no option may be granted under the Plan that would allow an employee’s right to purchase shares under all stock purchase
plans of the Company and its parents and subsidiaries to which Section 423 of the Code applies to accrue at a rate that exceeds $25,000 of fair market value of shares (determined at the Offering Date) for each calendar year in which such option
is outstanding. 
  

6.    Participation in the Plan. 

 
   (a)    Initiating
Participation. An eligible employee may participate in an Offering Period under the Plan by filing with the Custodian no later than ten days prior to the Offering Date, on forms furnished by the Custodian or pursuant to electronic or
telephonic procedures established by the Custodian, a subscription and payroll deduction authorization. Once filed, a subscription and payroll deduction authorization shall remain in effect for subsequent Offering Periods unless amended or
terminated. The payroll deduction authorization will take effect on the Offering Date and will authorize the employing entity to make payroll deductions in the specified amount from each paycheck of the participating employee. Payroll deductions for
any Offering Period may not exceed 10% of the gross amount of total cash compensation in the aggregate payable to the employee for such Offering Period. Total cash compensation does not include amounts paid under disability plans. If a payroll
deduction is made by a Participating Subsidiary, that entity will promptly remit the amount of the deduction to the Company. 
  

  (b)    Amending or Terminating Participation. A participating employee may amend his
or her payroll deduction authorization once during any Offering Period, to reduce the amount of future payroll deductions, with effect during the remaining part of the Offering Period. 

  
 2 

 
Other amendments to the payroll deduction authorization will not become effective until the next following Offering Period. A permitted change in payroll deductions shall be effective for any pay
period only if notice is received by the Custodian at least ten business days before the payday on which the change will become effective. After an employee has begun participating in the Plan, he or she may terminate participation in the Plan by
notice received by the Custodian at any time up to the tenth day before a Purchase Date. Any notices required under this paragraph 6(b) shall be in writing, unless electronic or telephonic procedures are then in effect in which case the notices
shall be in the form required under those procedures. Participation in the Plan shall also terminate when a participant ceases to be an eligible employee for any reason, including death or retirement. Determination of when the employment
relationship terminates for this purpose shall be made under Section 1.421-1(h)(2) of U.S. Treasury Regulations or successor regulations. A participant may not reinstate participation in the Plan with respect to a particular Offering Period
after once terminating participation in the Plan with respect to that Offering Period. Upon termination of a participant’s participation in the Plan, all amounts deducted from the participant’s pay and not previously used to purchase
shares under the Plan shall be returned to the participant, without interest. 
  
 7.    Option Price. The price at which shares shall be purchased in an Offering Period shall be the lower of (a) 85% of the fair market value of a share of Common Stock on
the Offering Date of the applicable Offering Period or (b) 85% of the fair market value of a share of Common Stock on the Purchase Date. The fair market value of a share of Common Stock on any date shall be the closing price of a share of
Common Stock as shown on the New York Stock Exchange Composite Transactions Listing for such date, as published in The Wall Street Journal. In the event that the Common Stock is not listed on the New York Stock Exchange or the price is no
longer shown on the New York Stock Exchange Composite Transactions Listing, the Board of Directors shall substitute a comparable source of closing price information. 

 
 8.    Newly Eligible Employees. A
person who becomes an eligible employee after the Offering Date of an Offering Period shall not be eligible to participate in such Offering Period but may participate in any subsequent Offering Period provided he or she is still an eligible employee
as of the Offering Date of such subsequent Offering Period. 
  
 9.    Purchase of Shares. All amounts withheld from the pay of a participant shall be credited to his or her account under the Plan by the Custodian appointed under
paragraph 10. No interest will be paid on such accounts unless the Board of Directors determines otherwise. On each Purchase Date of an Offering Period, the amount of the account of each participant will be applied to the purchase of whole
shares by such participant from the Company at the price determined under paragraph 7. Any cash balance remaining in a participant’s account after a Purchase Date because it was less than the amount required to purchase a full share shall be
retained in the participant’s account for the next Offering Period. 
  
 10.    Delivery and Custody of Shares. Shares purchased by participants pursuant to the Plan will be held in the custody of such investment or financial firm (the
“Custodian”) as shall be appointed by the Board of Directors. The Custodian may hold shares purchased pursuant to the Plan in book entry form and may commingle shares in its custody pursuant to the Plan in a single account without
identification as to individual participants. By appropriate 

  
 3 

 
instructions to the Custodian on forms to be provided for that purpose, a participant may from time to time obtain (a) transfer into the participant’s own name of some or all of the
shares held by the Custodian for the participant’s account and delivery of such shares to the participant; (b) transfer of some or all of the shares held for the participant’s account by the Custodian to a regular individual brokerage
account in the participant’s own name, either with the firm then acting as Custodian or with another firm, or (c) sale of some or all of the shares held by the Custodian for the participant’s account at the market price at the time
the order is executed and remittance of the net proceeds of sale to the participant. Upon termination of participation in the Plan, a participant may elect to have the shares held by the Custodian for his or her account transferred and delivered in
accordance with (a) above, transferred to a brokerage account in accordance with (b), or sold in accordance with (c). 
  

11.    Records and Statements. The Custodian will maintain the records of the Plan. As soon as practicable
after each Purchase Date the Custodian will furnish to each participant a statement showing the activity in the participant’s account for the period covered by the statement and the cash and share balances in the account as of the Purchase
Date. Participants will be furnished such other reports and statements, and at such intervals, as the Board of Directors shall determine from time to time. 
  

12.    Expense of the Plan. The Company will pay all expenses incident to operation of the Plan, including
costs of record keeping, accounting fees, legal fees, commissions and issue or transfer taxes on purchases pursuant to the Plan and on delivery of shares to a participant or into his or her brokerage account. The Company will not pay expenses,
commissions or taxes incurred in connection with sales of shares by the Custodian at the request of a participant. Expenses to be paid by a participant will be deducted from the proceeds of sale prior to remittance. 

 
 13.    Rights Not Transferable.
The right to purchase shares under this Plan is not transferable by a participant, and such right is exercisable during the participant’s lifetime only by the participant. Upon the death of a participant, any cash or shares held for the
participant’s account shall be transferred to the persons entitled thereto under the laws of the state of domicile of the participant upon a proper showing of authority. 

 
 14.    Dividends and Other
Distributions. Cash dividends and other cash distributions, if any, on shares held by the Custodian will be paid currently to the participants entitled thereto unless the Company subsequently adopts a dividend reinvestment plan and the
participant directs that his or her cash dividends be invested in accordance with such plan. Stock dividends and other distributions in shares of the Company on shares held by the Custodian shall be issued to the Custodian and held by it for the
account of the respective participants entitled thereto. 
  
 15.    Voting and Shareholder Communications. In connection with voting on any matter submitted to the shareholders of the Company, the Custodian will furnish to each
participant a proxy authorizing the participant to vote the shares held by the custodian for his account. Copies of all general communications to shareholders of the Company will be sent to participants in the Plan. 

  
 4 

 16.    Tax Withholding. Each participant who has purchased shares
under the Plan shall immediately upon notification of the amount due, if any, pay to the Company in cash amounts necessary to satisfy any applicable federal, state, local, national or other governmental tax withholding determined by the Company to
be required in any country having taxing jurisdiction. If the Company determines that additional withholding is required beyond any amount deposited at the time of purchase, the participant shall pay such amount to the Company on demand. If the
participant fails to pay the amount demanded, the Company may withhold that amount from other amounts payable by the Company to the participant, including salary, subject to applicable law. 
  
 17.    Responsibility and Indemnity. Neither the Company, its Board of Directors,
the Custodian, any Participating Subsidiary, nor any member, officer, agent, or employee of any of them, shall be liable to any participant under the Plan for any mistake of judgment or for any omission or wrongful act unless resulting from gross
negligence, willful misconduct or intentional misfeasance. The Company will indemnify and save harmless its Board of Directors, the Custodian and any such member, officer, agent or employee against any claim, loss, liability or expense arising out
of the Plan, except such as may result from the gross negligence, willful misconduct or intentional misfeasance of such entity or person. 
  

18.    Conditions and Approvals. The obligations of the Company under the Plan shall be subject to and
conditioned upon compliance with all applicable state, federal and foreign laws and regulations, compliance with the rules of any stock exchange or market on which the Company’s securities may be listed, and approval of such federal, state and
foreign authorities or agencies as may have jurisdiction over the Plan or the Company. The Company will use its best effort to comply with such laws, regulations and rules and to obtain such approvals. 

 
 19.    Amendment of the Plan. The
Board of Directors of the Company may from time to time amend the Plan in any and all respects, except that without the approval of the shareholders of the Company, the Board of Directors may not increase the number of shares reserved for the
Plan or decrease the purchase price of shares offered pursuant to the Plan. 
  
 20.    Termination of the Plan. The Plan shall terminate when all of the shares reserved for purposes of the Plan have been purchased, provided that the Board of Directors in
its sole discretion may at any time terminate the Plan without any obligation on account of such termination, except as hereinafter in this paragraph provided. Upon termination of the Plan, the cash and shares, if any, held in the account of each
participant shall forthwith be distributed to the participant or to the participant’s order, provided that if prior to the termination of the Plan, the Board of Directors and shareholders of the Company shall have adopted and approved a
substantially similar plan, the Board of Directors may in its discretion determine that the account of each participant under this Plan shall be carried forward and continued as the account of such participant under such other plan, subject to the
right of any participant to request distribution of the cash and shares, if any, held for his account. 
  

21.    Effective Date of the Plan. The Plan shall become effective on the effective date of the Company’s
initial public offering, subject to prior or subsequent approval by the affirmative vote, in person or by proxy, of the holders of at least a majority of the shares of the Company represented and voting on the approval of the Plan at a validly held
meeting of the shareholders. 

  
 5First Amendment to Credit Agreement

 Exhibit 10.3 
 FIRST AMENDMENT TO CREDIT AGREEMENT 
 THIS FIRST 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: 
 “Enova” shall mean Enova International, Inc., a Delaware
corporation. 
 “Enova Disposition” shall mean, collectively, the sale by the Borrower of
a portion of the outstanding Capital Stock of Enova held by the Borrower and the issuance and sale by Enova of Capital Stock of Enova, in each case in connection with an initial public offering of Capital Stock of Enova registered under the
Securities Act of 1933, as amended, with the effect that Enova and Enova’s Subsidiaries shall not be Subsidiaries of the Borrower following the consummation of such initial public offering. 

“Enova Disposition Documents” shall mean, collectively, (a) the Separation Agreement,
(b) the Transition Services Agreement, (c) the Registration Rights Agreement, (d) the Tax Sharing Agreement, (e) the Employee Matters Agreement, (f) the Credit Underwriting Agreement and (g) the Marketing and Customer
Referral Agreement, in each case as described in that certain preliminary prospectus dated November 15, 2011, contained in Amendment No. 2 to the Registration Statement filed by Enova with the Securities and Exchange Commission
in connection with the initial public offering of Capital Stock of Enova. 

 1.2 Amendment to 6.5. Section 6.5 of the Credit Agreement is hereby
amended by adding the following clause (p) to the end of such Section and making the appropriate punctuation and grammatical changes thereto: 
 (p) the Enova Disposition; provided that the Borrower (i) shall receive not less than $350,000,000 in Net Proceeds as a result of the Enova Disposition (for purposes of this clause
(p), Net Proceeds received by the Borrower as a result of the Enova Disposition shall include (A) all Net Proceeds received by the Borrower from its sale of outstanding shares of Capital Stock of Enova to the public in the Enova Disposition
and (B) proceeds received by the Borrower from Enova in connection with the issuance and sale by Enova of Capital Stock of Enova to the public in the Enova Disposition and which proceeds to Enova are paid to the Borrower by Enova in repayment
of intercompany indebtedness owed by Enova to the Borrower) and (ii) shall use the Net Proceeds received from the Enova Disposition to prepay the Loans in accordance with Section 2.7(b)(ii) of this Agreement. 

1.3 Amendment to Section 6.9. Section 6.9 of the Credit Agreement is hereby amended and restated in its entirety
to read as follows: 
 The Credit Parties shall not, and shall not permit any Subsidiary to, enter into any
transaction of any kind with any Affiliate of the Credit Parties, other than (a) arm’s-length transactions with Affiliates, (b) transactions otherwise permitted hereunder, (c) transactions with Affiliates in the ordinary course
of business and (d) the Enova Disposition Documents. 
 1.4 Amendment to Section 10.1. The
following sentence is hereby added at the end of Section 10.1 of the Credit Agreement: 
 Enova and its
Subsidiaries shall automatically be released from their obligations under this Guaranty concurrently with the consummation of the Enova Disposition to the extent Enova and its Subsidiaries are no longer Subsidiaries of the Borrower. 

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 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. 

  
 2 

 (d) 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. 
 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 

 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] 

  
 4 

 FIRST 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] 

 FIRST 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] 

 FIRST 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

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