Document:

Employment Agreement for Douglas R. Jones

 Exhibit 10.3 
  
 Amended and Restated Employment Agreement 
  
 By and Between 
  
 World Acceptance Corporation 
  
 and 
  
 Douglas R. Jones 
  
 Effective 
  
 June 1, 2003 

 AMENDED AND RESTATED EMPLOYMENT AGREEMENT 
  
 THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is effective as of June 1, 2003, by and between
World Acceptance Corporation (the “Company”), a South Carolina corporation, and Douglas R. Jones (the “Executive”). 
  
 Pursuant to that certain Employment Agreement, dated as of August 16, 1999 (the “Prior Employment Agreement”), the Company employs the Executive
as its President and Chief Operating Officer. On October 25, 2002, the Board of Directors of the Company (the “Board”), approved a CEO Succession Plan recommended by the Compensation Committee of the Board (the “Committee”) which
provided for a transition of the role of President and Chief Executive Officer of the Company to the Executive effective on the earlier of (i) the conclusion of the next annual meeting of the shareholders of the Company or (ii) August 31, 2003 (the
earlier of such times being referred to herein as the “Transition Date”). 
  
 The Committee, as set forth in such CEO Succession Plan and pursuant to authority granted by the Board, has determined that it would be in the best interests of the Company and its shareholders to amend and restate
the Prior Employment Agreement to retain the services of the Executive as the President and Chief Operating Officer of the Company through the Transition Date and thereafter as the President and Chief Executive Officer of the Company for the Period
of Employment (as defined in Section III.3.1 below) and upon the terms provided in this Agreement. The Executive is willing to amend and restate the Prior Employment Agreement to serve in the employ of the Company in such capacities for said Period
of Employment and upon such other terms and conditions as provided in this Agreement. 
  
 In consideration of the mutual covenants and promises contained in this Agreement, the parties hereby agree as follows: 
  
 SECTION I 
 EMPLOYMENT 

 
 The Company agrees to employ the Executive and the Executive agrees to be
employed by the Company, for the Period of Employment as defined in Section III.3.1 below, and based upon the other terms and conditions provided in the Agreement. 
  
 SECTION II 
 POSITION AND RESPONSIBILITIES 
  
 During the
Period of Employment, as defined in Section III.3.1 below, the Executive agrees to serve the Company in the positions set forth in this Section II. From the date hereof through the Transition Date, the Executive shall serve as the Company’s
President and Chief Operating Officer and be responsible for the general affairs of the Company, reporting only to the Chief Executive Officer of the Company. From and after the Transition Date, the Executive shall serve as the President and Chief
Executive Officer and be responsible for the general affairs of the Company, reporting only to the Board. The Executive also agrees that, if elected, he will serve as a member of the Board. The Executive also agrees to serve, if elected, during the
Period of Employment as defined in Section III.3.1 below as an Officer and Director of any subsidiary, affiliate, or parent corporation of the Company (“Affiliates”) which the Board feels is appropriate. The Company will undertake to have
the Executive elected to the Board. 
  

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 SECTION III 
 TERMS AND DUTIES 
  

	3.1	 	PERIOD OF EMPLOYMENT 

  
 For purposes of this Agreement, the Period of Employment will commence on June 1, 2003 and shall continue through March 31, 2006, subject to extension or
termination as provided in this Agreement. Prior to March 31, 2006 or the end of each three year period thereafter, the Company shall review the performance of the Executive, and this Agreement shall be deemed to be approved and extended
automatically for an additional three (3) year period on the same terms and conditions, unless either the Company or the Executive gives contrary written notice to the other no less than ninety (90) days prior to the date on which this Agreement
would otherwise be extended. Non-renewal shall be deemed a termination of employment as of the end of the Period of Employment. Non-renewal by the Company shall be subject to the severance provisions set forth in Section VIII.8.1, and non-renewal by
the Executive shall be subject to the severance provisions of Section VIII.8.3. 
  

	3.2	 	DUTIES 

  
 During the Period of Employment and except for illness, incapacity and reasonable vacation and holiday periods, the Executive shall devote all of his
business time, attention and skill exclusively to the business and affairs of the Company and its Affiliates. The Executive will not engage in any other business activity, and will perform faithfully the duties which may be assigned to him from time
to time by the Chief Executive Officer of the Company prior to the Transition Date and by the Board thereafter. Notwithstanding the above, nothing in this Agreement shall preclude the Executive from devoting time during reasonable periods required
for: 
  

	 	3.2.i.	 	Serving, with prior approval of the Board of Directors of the Company, as a Director or member of a committee or organization involving no actual or potential conflict of interest
with the Company or its Affiliates; 

  

	 	3.2.ii.	 	Delivering lectures and fulfilling speaking engagements; 

  

	 	3.2.iii.	 	Engaging in charitable and community activities; or 

  

	 	3.2.iv.	 	Investing his personal assets in investments or business entities in such form or manner that will not violate this Agreement or require services on the part of the Executive in the
operation of affairs of the business entities in which those investments are made. These activities will be allowed as long as they do not materially affect or interfere with the performance of the Executive’s duties and obligations to the
Company. 

  
 SECTION IV 
 COMPENSATION, BENEFITS, AND PERQUISITES 
  
 For all services rendered by the Executive in any capacity during the Period of Employment, including services as an Executive, Officer, Director or
Committee Member, the Executive shall be compensated as follows: 
  

	4.1	 	BASE SALARY 

  
 The Company shall pay the Executive a fixed base salary (“Base Salary”) at such annual rate as the Compensation Committee deems appropriate;
provided, however, that (i) until the Transition Date, the 
  

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 Base Salary may not be less than $223,000.00 per year and (ii) after the Transition Date, the Base Salary may not be less
than $250,000.00 per year. Increases in Base Salary, once granted by the Committee, shall not be subject to reduction. Base Salary shall be payable according to the customary payroll practices of the Company. In no event shall Base Salary be payable
less frequently than once per calendar month. 
  

	4.2	 	ANNUAL INCENTIVE AWARDS 

  
 The Company may pay the Executive annual cash incentive compensation payments provided that such annual incentive compensation payments are based on
certain pre-established performance criteria. On or about the date hereof and at the beginning of each subsequent fiscal year, the Board or Committee will establish appropriate criteria for making such payments following the end of such period. The
terms and conditions of such incentive awards are set out more fully in the Company’s “Executive Incentive Plan” Plan Document. 
  

	4.3	 	LONG-TERM INCENTIVE AWARDS 

  
 The Company may pay the Executive long-term incentive compensation payments provided that such long-term incentive compensation payments are based on
certain pre-established performance criteria. On or about the date hereof, with respect to the period from the date hereof through March 31, 2006, and at the beginning of each three-year renewal period, the Committee will establish appropriate
criteria for making such payments following the end of such performance period. Payments may, at the discretion of the Committee, take the form of cash, restricted stock and stock options; provided, however, that any grants of
restricted stock or stock options must also be approved in advance by the Company’s Stock Option Committee, which administers the Company’s stock option plans. The terms and conditions of such long-term incentive awards are set out more
fully in the Company’s “Executive Strategic Incentive Plan” Plan Document and “Stock Option Plan” Plan Document. The intent of such long-term incentive compensation awards is to motivate the achievement of longer range and
strategic goals. The Company agrees to pay aggressive awards when goals are achieved and exceeded in recognition of the intent of this plan to offset income that would normally be derived from a retirement plan. 
  

	4.4	 	BENEFITS AND PERQUISITES 

  

	 	4.4.i	 	Salaried Employee Benefits 

  
 Executive will be entitled to participate in all compensation and employee benefit plans and programs and receive all benefits and
perquisites for which any salaried employee of the Company is eligible under any plan or program now or later established by the Company for salaried employees. The Executive will participate to the extent permissible under the terms and provisions
of such plans or programs. Nothing in this Agreement will preclude the Company from amending or terminating any of the plans or programs applicable to salaried employees as long as such amendment or termination is applicable to all similarly
situated salaried employees. 
  

	 	4.4.ii	 	Supplemental Benefits 

  
 The Company also will provide long-term disability insurance which provides a benefit to the Executive of 60% of the Executive’s Base
Salary in effect at the time of disability. 
  
 In the event a group long-term disability benefit is provided by the Company for which the Executive becomes eligible, the Executive’s long-term disability benefits under this Agreement will be offset by the benefits payable under the
group policy such that combined long- 
  

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term disability benefits payable under the two plans do not exceed 60% of the Executive’s then current Base Salary. 
  

	4.5	 	AUTOMOBILE 

  
 The Company will provide an automobile (including maintenance and insurance expense) of a value commensurate with his position for use by the Executive.

  
 SECTION V 
 BUSINESS EXPENSES 
  
 The Company will reimburse the Executive for all reasonable travel, entertainment, business and other expenses incurred by the Executive in connection
with the performance of his duties and obligations under this Agreement. 
  
 SECTION VI 
 DISABILITY 
  
 6.1 In the event of disability of the Executive during the Period of Employment, the Company will continue to pay the Executive in accordance with the compensation
provisions of this Agreement during the period of his disability. However, in the event the Executive is disabled for a continuous period of ninety (90) days or more, the Company may terminate the employment of the Executive pursuant to this
Agreement, and make payments to the Executive under the terms of the long-term disability provisions of this Agreement. In the event the Company terminates the employment of the Executive pursuant to this Section VI, the Company will have no further
compensation obligations to the Executive, except for earned but unpaid Base Salary and annual incentive compensation payments, if any, pro rated to the date of termination of employment. 
  
 6.2 During the period the Executive is receiving payments, either regular compensation or disability payments as described in this
Agreement, and as long as he is physically and mentally able to do so, the Executive will furnish information and assistance to the Company and from time to time will make himself available to the Company to undertake assignments consistent with his
prior position with the Company and his physical and mental health. During the disability period, the Executive is responsible for reporting directly to the Board of Directors. If the Company fails to make a payment or provide a benefit required as
part of the Agreement, the Executive’s obligation to fulfill information and assistance will end. 
  
 6.3 The term “disability” will have the same meaning as under the disability benefits to be provided pursuant to this Agreement, or such group disability plan as may be in effect for similarly
situated employees at that time. In the event the definition of disability is not consistent, the definition contained in the plan document of such group plan shall control. 
  
 SECTION VII 
 DEATH 
  
 In the event of the death of the
Executive during the Period of Employment, the Company’s obligation to make payments under this Agreement shall cease as of the date of death, except for Base Salary through the end of the Company’s normal payroll period and any earned but
unpaid annual incentive compensation payments pro rated to the date of death. The Executive’s designated beneficiary will be entitled to receive the proceeds of any life or other insurance or other death benefit programs provided in this
Agreement. 
  

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 SECTION VIII 
 EFFECT OF TERMINATION OF EMPLOYMENT 
  
 Except as otherwise set forth in Sections VI, VII and IX: 
  
 8.1 If the Executive’s employment terminates due to either a Without Cause Termination or a Constructive Discharge, as hereafter defined in this Agreement, the Company will pay the Executive, or in the
event of his death, his beneficiary or beneficiaries, severance pay at the annual rate of 100% of his Base Salary as in effect at the time of termination for twenty-four (24) calendar months or the remaining term of the Period of Employment,
whichever period is greater. In addition, the Company will pay any earned but unpaid Base Salary through the date of termination and any earned but unpaid annual incentive compensation payments. All other benefits and perquisites provided for in
Section IV.4.4 of this Agreement will be continued for a period of twenty-four (24) calendar months. 
  
 If the Executive is entitled to receive cash compensation subject to federal income taxation, or to deferred compensation which would be taxable if not
deferred, for other employment or a consulting position with another Company during the above-described period, the payments described in this Agreement will be reduced respectively to the extent that benefits of the kind required by this Agreement
are paid as a result of the other employment. In addition, the benefits resulting from the other employment shall be deemed primary coverage for the purposes of coordination of benefits. 
  
 8.2 If the Executive’s employment terminates due to a Termination for Cause, as hereinafter defined, the Company will pay to the
Executive the Base Salary as then in effect through the date of termination. No other payments will be made and the Company will not be obligated to provide any other benefits to or on behalf of the Executive. 
  
 8.3 If the Executive resigns from employment with the Company or gives notice of
non-renewal in accordance with Section III.3.1 hereof, the Company will pay his Base Salary through the date of termination and any earned but unpaid annual incentive compensation payments. No other payments will be made and the Company will not be
obligated to provide any other benefits to or on behalf of the Executive. 
  
 8.4 Except as otherwise expressly provided in this Agreement and except for any long-term incentive payments to which Executive is entitled under the Executive Strategic Incentive Plan, upon termination of the Executive’s
employment hereunder, the Company’s obligation to make payments or provide benefits under this Agreement will cease. 
  
 SECTION IX 
 DEFINITIONS

  
 For this Agreement, the following terms have the following
meanings: 
  
 9.1 “Termination for Cause” means termination of
the Executive’s employment by the Company, by written notice to the Executive, specifying the event relied upon for such termination, due to i. the Participant’s gross misconduct in respect of his duties for the Company, ii. conviction for
a felony or perpetration of a common law fraud, iii. failure to comply with applicable laws with respect to the execution of the Company’s business operations, iv. theft, fraud, embezzlement, dishonesty or other conduct which has resulted or is
likely to result in material economic damage to the Company or any of its Affiliates, or v. substantial dependence on or addiction to alcohol or use of drugs except those legally prescribed by and administered pursuant to the directions of a
practitioner licensed to do so under the laws of the state or country of licensure. 
  

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 9.2 “Constructive Discharge” means termination of the Executive’s employment by the Executive due
to a failure of the Company to fulfill its obligations under this Agreement in any material respect, including any reduction of the Executive’s Base Salary, failure to appoint or reappoint the Executive to the office of (i) prior to the
Transition Date, President and Chief Operating Officer and (ii) thereafter, President and Chief Executive Officer or any other material change by the Company in the functions, duties or responsibilities of the position then held by the Executive
which would reduce the ranking or level, responsibility, importance or scope of such position. This would also include any assignment or reassignment by the Company of the Executive to a place of employment other than the Company’s present
headquarters or another location in Greenville, South Carolina. The Executive will provide the Company a written notice which describes the circumstances being relied on for the Constructive Discharge with respect to the Agreement within ninety (90)
days after the event giving rise to the notice. The Company will have thirty (30) days to remedy the situation prior to the Termination for Constructive Discharge. 
  
 9.3 “Without Cause Termination” means termination of the Executive’s employment by the Company other than due to death
or disability and other than Termination for Cause and includes, without limitation, termination of the Executive’s employment by the Company’s giving notice of non-renewal in accordance with Section III.3.1 hereof. 
  
 SECTION X 
 OTHER DUTIES OF THE EXECUTIVE DURING AND 
 AFTER THE PERIOD OF EMPLOYMENT

  
 During the Period of Employment and for 24 months
thereafter: 
  
 10.1 The Executive will, with reasonable notice, furnish
information as may be in his possession and cooperate with the Company and its Affiliates as may reasonably be requested in connection with any claim or legal actions in which the Company or any of its Affiliates is or may become a party.

  
 10.2 The Executive recognizes and acknowledges that all information
pertaining to the affairs, business, clients, customers or other relationships of the Company and its Affiliates is confidential and is a unique and valuable asset of the Company. Access to and knowledge of this information are essential to the
performance of the Executive’s duties under this Agreement. 
  
 10.3
The Executive will not, except to the extent reasonably necessary in performance of the duties under this Agreement or except as required by law, give to any person, firm, company, corporation or governmental agency any information concerning the
affairs, business, clients, customers or other relationships of the Company or its Affiliates. The Executive will not make use of this type of information for his own purposes or for the benefit of any person or organization other than the Company
or its Affiliates. The Executive will also use his best efforts to prevent the disclosure of this information by others. 
  
 10.4 All records, memoranda, etc. relating to the business of the Company or its Affiliates whether made by the Executive or otherwise coming into his possession
are confidential and will remain the property of the Company. 
  
 10.5 The
Executive will not use his status with the Company or its Affiliates to obtain loans, goods or services from another organization on terms that would not be available to him in the absence of his relationship with the Company or its Affiliates.

  

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 10.6 The Executive will not make any statements or perform any acts intended to advance the interest of any
existing or prospective competitors of the Company or its Affiliates in any way that will injure the interest of the Company or its Affiliates. 
  
 10.7 The Executive, without prior express written approval by the Board, will not directly or indirectly own or hold any proprietary interest in, be employed by,
or receive compensation from any party engaged in the same business in the same geographic areas where the Company or its Affiliates conduct business. For the purposes of this Agreement, proprietary interest means legal or equitable ownership,
whether through stock holdings or otherwise of an equity interest in any privately owned business firm or entity or ownership of more than 5% of any class of equity interest in a publicly-held corporation. 
  
 10.8 The Executive, without express written approval from the Board, will not solicit
any then current clients or employees of the Company or its Affiliates or discuss with any employee of the Company or its Affiliates information or operation of any business intended to compete with the Company. 
  
 Executive agrees that any obligation of the Company to make any payments to
the Executive under the terms of this Agreement, the Executive Incentive Plan or the Executive Strategic Incentive Plan, will cease upon any violation of the preceding paragraphs. 
  
 The parties desire that the provisions of Section X be enforced to the fullest extent permissible under the laws and public
policies applied in the jurisdictions in which enforcement is sought, and agree that the Company may specifically enforce the terms hereof. If any portion of Section X is judged to be invalid or unenforceable, Section X will be amended to conform to
the legal changes so that the remainder of the Agreement remains in effect. 
  
 SECTION XI 
 EFFECTS OF CHANGE OF CONTROL 
  
 11.1 In the event there is a Change of Control (as hereafter defined) of the ownership
of the Company, the Executive may at any time immediately resign upon written notice to the Company. In this event, the Company will pay the Executive’s Base Salary through the date of termination. 
  
 11.2 In the event there is a Change of Control of the Company and the Executive’s
employment is terminated within one year of such Change of Control due to a Without Cause Termination or Constructive Discharge, the Company will pay the Executive severance pay at the annual rate equal to the highest Base Salary of the Executive in
effect at any time during the period beginning on the date immediately preceding the occurrence of the Change of Control and ending on the date the Executive’s employment is terminated. Such severance payments shall commence immediately after
termination and shall be payable over a period of twenty-four (24) calendar months or the remaining term of the Period of Employment, whichever period is greater. In addition, the Company will pay any earned but unpaid Base Salary and annual
incentive compensation payments prorated to the date of termination. All other benefits and perquisites described in this Agreement will be continued in accordance with the Agreement for twenty-four (24) calendar months from the date of termination
of employment. It is understood that, in the event that Executive is entitled to severance payments under this Section 11.2, then such severance payments shall be in lieu of any severance payments to which the Executive would be entitled under
Section 8.1. In the event there is a Change of Control of the Company and the Executive’s employment is terminated after the first anniversary of such Change of Control, the Executive’s right to post-termination compensation and benefits
shall be determined in accordance with Section VIII hereof. 
  
 11.3
Notwithstanding any of the above provisions to the contrary, in no event shall the payment in connection with the Change in Control exceed 2.99 times the Executive’s “base period compensation” as 
  

 7 

 that term is defined in section 280G of the Internal Revenue Code. In the event such payments to the Executive on account
of a Change of Control would exceed 2.99 times the Executive’s “base period compensation” then such payments shall be reduced to the extent necessary to avoid any penalty which may be imposed by virtue of section 280G. 
  
 11.4 A Change of Control shall be deemed to have occurred if i. a tender offer shall
be made and consummated resulting in a change in the ownership of 25% or more of the outstanding voting securities of the Company, ii. the Company shall be merged or consolidated with another corporation and as a result of such merger or
consolidation less than 75% of the outstanding voting securities of the surviving or resulting corporation shall be owned in the aggregate by the former shareholders of the Company, other than affiliates (within the meaning of the Securities
Exchange Act of 1934) of any party to such merger or consolidation, iii. the Company shall sell substantially all of its assets to another corporation which is not a wholly owned subsidiary, or iv. a person, within the meaning of Section 3(a)(9) or
of Section 13(d)(3) (as in effect on the date hereof) of the Securities Exchange Act of 1934, as amended, shall acquire 25% or more of the outstanding voting securities of the Company (whether directly, indirectly, beneficially or of record). For
purposes hereof, ownership of voting securities shall take into account and shall include ownership as determined by applying the provisions of Rule 13d-3(d)(1)(i) (as in effect on the date hereof) pursuant to the Securities Exchange Act of 1934, as
amended. 
  
 SECTION XII 
 WITHHOLDING TAXES 
  
 The Company may directly or indirectly withhold from any payments under this Agreement all federal, state, city or other taxes that shall be required to
be withheld pursuant to any law or governmental regulation. 
  
 SECTION XIII 
 EFFECT OF PRIOR AGREEMENTS 
  
 This Agreement contains the entire understanding between the Company and the Executive with respect to the subject matter
herein. This Agreement amends, restates and supercedes the Prior Employment Agreement in its entirety as of the date hereof and supersedes any prior Employment Agreement between the Company and the Executive, except that this Agreement shall not
affect or operate to reduce any benefits or compensation inuring to the Executive of a kind elsewhere provided and not expressly provided in this Agreement. 
  
 SECTION XIV 
 CONSOLIDATION, MERGER,
OR SALE OF ASSETS 
  
 Nothing in this Agreement shall preclude
the Company from consolidating or merging into or with, or transferring all or substantially all of its assets to another corporation or person which assumes this Agreement and all obligations and undertakings of the Company hereunder. Upon such a
Consolidation, Merger, or Sale of Assets the term “the Company” as used will mean the other corporation and this Agreement shall continue in full force and effect. 
  
 SECTION XV 
 MODIFICATION 
  
 This Agreement may not be
modified or amended except in writing signed by both parties. No term or condition of this Agreement will be deemed to have been waived except in writing by the party 
  

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 charged with waiver. A waiver shall operate only as to the specific term or condition waived and will not constitute a
waiver for the future or act on anything other than that which is specifically waived. 
  
 SECTION XVI 
 GOVERNING LAW 
  
 This Agreement has been executed and delivered in the State of South Carolina and its validity, interpretation, performance
and enforcement shall be governed by the laws of that state. 
  
 [Signature page follows] 
  

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 IN WITNESS WHEREOF, the Company has caused this Agreement to be executed as of June 1, 2003, by its duly
authorized officer and Executive has hereunto set his hand. 
  

	 “Company”

	
	 WORLD ACCEPTANCE CORPORATION

		
	 By:
	 	 /s/    Charles D. Walters

	 Name:
	 	 Charles D. Walters

	 Title:
	 	 Chairman and CEO

	
	 “Executive”

	  
 /s/    Douglas R. Jones                            (SEAL)

	 Douglas R. Jones

  

 10First Amendment to Employment Agreement

 Exhibit 10.4 
  
 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT 
  
 This FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (this “Amendment”) is effective as of June 1, 2003, by and between
World Acceptance Corporation (the “Company”), a South Carolina corporation, and A. Alexander McLean III (the “Executive”). 
  
 Pursuant to that certain Employment Agreement, dated as of April 1, 1994 (the “Employment Agreement”), the Company employs the Executive as its
Senior Vice President and Chief Financial Officer. The Company, as recommended by the Compensation Committee of the Board, desires to amend the Employment Agreement to clarify certain severance terms therein. The Executive is willing to amend the
Employment Agreement to clarify such severance terms as provided in this Amendment. 
  
 In consideration of the mutual covenants and promises contained in this Amendment, the parties hereby agree as follows: 
  
 1. Section 11.2 of the Employment Agreement is hereby amended to add the following two sentences at the end of such section: 
  
 “It is understood that, in the event that Executive is entitled to
severance payments under this Section 11.2, then such severance payments shall be in lieu of any severance payments to which the Executive would be entitled under Section 8.1. In the event there is a Change of Control of the Company and the
Executive’s employment is terminated after the first anniversary of such Change of Control, the Executive’s right to post-termination compensation and benefits shall be determined in accordance with Section VIII hereof.” 

 
 2. Except as specifically amended hereby, the Employment Agreement is
hereby ratified and confirmed and shall remain in full force and effect according to its terms. 
  
 IN WITNESS WHEREOF, the Company has caused this Amendment to be executed as of June 1, 2003, by its duly authorized officer and Executive has
hereunto set his hand. 
  

	 “Company”
  
 WORLD ACCEPTANCE CORPORATION
	 	 	 	“Executive”
				
	 By:
	 	 /s/ Charles D. Walters

	 	 	 	 /s/ A. Alexander McLean,
III                (SEAL)

	 	 	 Charles D. Walters
 Chairman and Chief Executive Officer
	 	 	 	 A. Alexander McLean, III

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