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Exhibit 10.1(c)    
    

 
 

SECOND AMENDMENT    
    

        THIS SECOND AMENDMENT (this "Amendment") dated as of December 31, 2004 is among Advance America, Cash
Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the
"Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as Administrative Agent. 

 
 

W I T N E S S E T H    

        WHEREAS,
a $265 million revolving credit facility has been extended to the Borrower pursuant that Amended and Restated Credit Agreement (as amended, modified and supplemented from
time to time, the "Credit Agreement") dated as of July 16, 2004 among the Borrower, the Guarantors, the Lenders identified therein and Bank of America, N.A., as Administrative Agent; and 

        WHEREAS,
the Borrower has requested certain modifications to the Credit Agreement and the Required Lenders have agreed to the requested modifications on the terms set forth herein. 

        NOW,
THEREFORE, IN CONSIDERATION of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as
follows: 

        1.    Defined Terms.    Capitalized terms used herein but not otherwise defined herein shall have the meanings
provided to such terms in the Credit Agreement. 

        2.    Amendment.    Section 7.9(d) of the Credit Agreement is amended to read as follows: 

(d)    Charge-Offs.    As
of the last day of each fiscal quarter of the Borrower, the average of the amount of actual charge-offs (net of recoveries)
incurred during each fiscal month ending during the period of twelve consecutive months ending on such day shall not exceed four and one-half percent (4.50%) of the average of the amount
of the Adjusted Transaction Receivables outstanding at the end of each fiscal month ending during the period of twelve consecutive months ending on such day. 

        3.    Conditions Precedent.    This Amendment shall be effective as of the date hereof upon execution of this
Amendment by the Credit Parties and the Required Lenders. 

        4.    Reaffirmation of Representations and Warranties.    The Borrower and each Guarantor represents and warrants that
the representations and warranties set forth in the Credit Agreement and the other Credit Documents are true and correct in all material respects as of the date hereof (except those that expressly
relate to an earlier period). 

        5.    Reaffirmation of Guaranty.    Each Guarantor (a) acknowledges and consents to all of the terms and
conditions of this Amendment, (b) affirms all of its obligations under the Credit Documents and (c) agrees that this Amendment and all documents executed in connection herewith do not
operate to reduce or discharge such Guarantor's obligations under the Credit Documents. 

        6.    No Other Changes.    Except as modified hereby, all of the terms and provisions of the Credit Documents
(including schedules and exhibits thereto) shall remain in full force and effect. 

        7.    Counterparts.    This Amendment may be executed in any number of counterparts, each of which when so executed
and delivered shall be deemed an original and it shall not be necessary in making proof of this Amendment to produce or account for more than one such counterpart. 

        8.    Governing Law.    This Amendment shall be deemed to be a contract made under, and for all purposes shall be
construed in accordance with, the laws of the State of North Carolina. 

[Signature Pages Follow] 

        IN
WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Second Amendment to be duly executed and delivered as of the date first above written. 

	
BORROWER:	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	John T. Egeland
	 	 	Title:	 	President
	
GUARANTORS:	
 	

AARC, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	Dan C. Breeden, Jr.
	 	 	Title:	 	President
	

 	
 	

ADVANCE AMERICA SERVICING OF ARKANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA SERVICING OF INDIANA, INC.,

a Delaware corporation

ADVANCE AMERICA LEASING SERVICES, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	John T. Egeland
	 	 	Title:	 	President of each of the foregoing
	

 	
 	

AAIC, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF

COLUMBIA, INC., a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MARYLAND, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC.,

a Delaware corporation

ADVANCE AMERICA SERVICING OF GEORGIA, INC.,

a Delaware corporation

MCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF ARKANSAS, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF COLORADO, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF INDIANA, LLC,

a Tennessee limited liability company
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

MCKENZIE CHECK ADVANCE OF IOWA, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF KANSAS, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF MISSOURI, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEBRASKA, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OHIO, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OREGON, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WISCONSIN, LLC,

a Tennessee limited liability company

NCAS OF DELAWARE, LLC,

a Delaware limited liability company

NCAS OF NEW JERSEY, LLC,

a Delaware limited liability company
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing
	

 	
 	

ADVANCE AMERICA MONEY.COM, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA SERVICING OF TEXAS, L.P.,

a Texas limited partnership
	

 	
 	

By:	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,

a Delaware corporation and its general partner
	

 	
 	

 	
 	

By:	
 	

	 	 	 	 	Name:	 	William M. Webster IV
	 	 	 	 	Title:	 	President

[Signature Pages Continue] 

	ADMINISTRATIVE AGENT:	 	BANK OF AMERICA, N.A., as Administrative Agent
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	
LENDERS:	
 	

BANK OF AMERICA, N.A., as a Lender
	

 	
 	

By:	
 	

	 	 	Name:	 	Scott K. Mitchell
	 	 	Title:	 	Senior Vice President
	

 	
 	

WACHOVIA BANK, NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

US BANK NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

WELLS FARGO BANK, N.A.
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

NATIONAL CITY BANK OF PENNSYLVANIA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

NATIONAL BANK OF SOUTH CAROLINA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

CAROLINA FIRST BANK
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

[Signature Pages Continue] 

	 	 	FIRST TENNESSEE BANK NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

BRANCH BANKING AND TRUST COMPANY
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

TEXAS CAPITAL BANK, NA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

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Exhibit 10.1(c)

SECOND AMENDMENT

W I T N E S S E T HQuickLinks
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Exhibit 10.1(d)    
    

 
 

THIRD AMENDMENT    
    

        THIS THIRD AMENDMENT (this "Amendment") dated as of May 11, 2005 to the Credit Agreement referenced below
is by and among Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature
pages hereto (the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as administrative agent (the
"Administrative Agent"). 

 
 

W I T N E S S E T H    

        WHEREAS,
a $265 million revolving credit facility has been extended to the Borrower pursuant to the Amended and Restated Credit Agreement (as amended, modified and supplemented
from time to time, the "Credit Agreement") dated as of July 16, 2004 among the Borrower, the Guarantors, the Lenders identified therein and Bank
of America, N.A., as Administrative Agent; and 

        WHEREAS,
the Borrower has requested certain modifications to the Credit Agreement and the Required Lenders have agreed to the requested modifications on the terms and conditions set
forth herein. 

        NOW,
THEREFORE, IN CONSIDERATION of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as
follows: 

        1.    Defined Terms.    Capitalized terms used herein but not otherwise defined herein shall have the meanings
provided to such terms in the Credit Agreement. 

        2.    Amendments.    The Credit Agreement is amended in the following respects: 

        (a)   The
following definitions are added to Section 1.1 of the Credit Agreement: 

"Closing Date Dividend" means the payment by the Borrower on or before the date thirty (30) days following the Closing Date of a cash dividend or
distribution to its shareholders in an aggregate amount of up to $50 million. 

"Permitted Stock Repurchase" means the repurchase of Capital Stock of the Borrower in an aggregate amount of up to $50 million. 

        (b)   In
Section 1.1 of the Credit Agreement, the definition of "Permitted Equity Payment" is amended to read as follows: 

"Permitted Equity Payment" means collectively (a) the Closing Date Dividend and (b) Permitted Stock Repurchase. 

        (c)   Section 7.9(a)
of the Credit Agreement is amended to read as follows: 

(a)    Consolidated Net Worth.    At all times, the Consolidated Net Worth shall not be less than the sum of
(i) $40 million plus (ii) as of the end of the fiscal quarter of the Borrower ending June 30, 2004 and each fiscal quarter
of the Borrower ending thereafter, an amount (but not less than zero) equal to seventy-five percent (75%) of the difference between (A) Consolidated Net Income for such fiscal
quarter and (B) Equity Payments (other than the Permitted Equity Payment) paid during such fiscal quarter, such increases to be cumulative, plus
(iii) an amount equal to one hundred percent (100%) of net cash proceeds from any Equity Transaction occurring after the Closing Date (after payment of all transaction costs, including expenses
and commissions), minus (iv) the aggregate amount of the Permitted Stock Repurchase. 

        3.    Conditions Precedent.    This Amendment shall be effective as of the date hereof upon execution of this
Amendment by the Credit Parties and the Required Lenders. 

        4.    Reaffirmation of Representations and Warranties.    The Borrower and each Guarantor represents and warrants that
the representations and warranties set forth in the Credit Agreement and the other Credit Documents are true and correct in all material respects as of the date hereof (except those that expressly
relate to an earlier period). 

        5.    Reaffirmation of Guaranty.    Each Guarantor (a) acknowledges and consents to all of the terms and
conditions of this Amendment, (b) affirms all of its obligations under the Credit Documents and (c) agrees that this Amendment and all documents executed in connection herewith do not
operate to reduce or discharge such Guarantor's obligations under the Credit Documents. 

        6.    Reaffirmation of Security Interests.    The Borrower and each Guarantor (i) affirms that each of the
Liens granted in or pursuant to the Credit Documents are valid and subsisting and (ii) agrees that this Amendment shall in no manner impair or otherwise adversely effect any of the Liens
granted in or pursuant to the Credit Documents. 

        7.    No Other Changes.    Except as modified hereby, all of the terms and provisions of the Credit Documents
(including schedules and exhibits thereto) shall remain in full force and effect. 

        8.    Counterparts.    This Amendment may be executed in any number of counterparts, each of which when so executed
and delivered shall be deemed an original and it shall not be necessary in making proof of this Amendment to produce or account for more than one such counterpart. 

        9.    Governing Law.    This Amendment shall be deemed to be a contract made under, and for all purposes shall be
construed in accordance with, the laws of the State of North Carolina. 

[Signature Pages Follow] 

        IN
WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Third Amendment to be duly executed and delivered as of the date first above written. 

	
BORROWER:	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	John T. Egeland
	 	 	Title:	 	President
	
GUARANTORS:	
 	

AARC, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	Wayne Chambers
	 	 	Title:	 	President
	

 	
 	

ADVANCE AMERICA SERVICING OF ARKANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA SERVICING OF INDIANA, INC.,

a Delaware corporation

ADVANCE AMERICA LEASING SERVICES, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	John T. Egeland
	 	 	Title:	 	President of each of the foregoing
	

 	
 	

AAIC, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF

COLUMBIA, INC., a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MARYLAND, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC,

a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC.,

a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC.,

a Delaware corporation

ADVANCE AMERICA SERVICING OF GEORGIA, INC.,

a Delaware corporation

MCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF ARKANSAS, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF COLORADO, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF INDIANA, LLC,

a Tennessee limited liability company
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	

 	
 	

MCKENZIE CHECK ADVANCE OF IOWA, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF KANSAS, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF MISSOURI, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEBRASKA, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OHIO, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OREGON, LLC,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C.,

a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WISCONSIN, LLC,

a Tennessee limited liability company

NCAS OF DELAWARE, LLC,

a Delaware limited liability company

NCAS OF NEW JERSEY, LLC,

a Delaware limited liability company
	

 	
 	

By:	
 	

	 	 	Name:	 	William M. Webster IV
	 	 	Title:	 	President of each of the foregoing
	

 	
 	

ADVANCE AMERICA MONEY.COM, INC.,

a Delaware corporation
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

[Signature Pages Continue] 

	

 	
 	

ADVANCE AMERICA SERVICING OF TEXAS, L.P.,

a Texas limited partnership
	

 	
 	

By:	
 	

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,

a Delaware corporation and its general partner
	

 	
 	

 	
 	

By:	
 	

	 	 	 	 	Name:	 	William M. Webster IV
	 	 	 	 	Title:	 	President
	

 	
 	

AA CHALLENGER, LLC, a Delaware limited liability company

AA AIR, LLC, a Delaware limited liability company
	

 	
 	

 	
 	

By:	
 	

	 	 	 	 	Name:	 	William M. Webster IV
	 	 	 	 	Title:	 	President of each of the foregoing

[Signature Pages Continue] 

	ADMINISTRATIVE AGENT:	 	BANK OF AMERICA, N.A., as Administrative Agent
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	
LENDERS:	
 	

BANK OF AMERICA, N.A., as a Lender
	

 	
 	

By:	
 	

	 	 	Name:	 	Scott K. Mitchell
	 	 	Title:	 	Senior Vice President
	

 	
 	

WACHOVIA BANK, NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

US BANK NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

WELLS FARGO BANK, N.A.
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

NATIONAL CITY BANK OF PENNSYLVANIA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

NATIONAL BANK OF SOUTH CAROLINA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

CAROLINA FIRST BANK
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

[Signature Pages Continue] 

	 	 	FIRST TENNESSEE BANK NATIONAL ASSOCIATION
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

BRANCH BANKING AND TRUST COMPANY
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 
	

 	
 	

TEXAS CAPITAL BANK, NA
	

 	
 	

By:	
 	

	 	 	Name:	 	 
	 	 	Title:	 	 

QuickLinks

Exhibit 10.1(d)

THIRD AMENDMENT

W I T N E S S E T H

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00099-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00099-of-00352.parquet"}]]