Document:

EX-10.2

EXHIBIT 10.2

FIRST AMENDMENT TO PROMISSORY NOTE

THIS FIRST AMENDMENT (THE “FIRST AMENDMENT”) DATED JULY 31, 2013, SHALL AMEND THE PROMISSORY
NOTE (THE “NOTE”) DATED AS OF SEPTEMBER 12, 2011 AMONG NON-INVASIVE MONITORING SYSTEMS, INC. (THE
“MAKER”) AND FROST GAMMA INVESTMENTS TRUST (THE “PAYEE”) AS NOTED BELOW.

RECITALS

WHEREAS, Maker and Payee (collectively, the “Parties”) are parties to the Note which became
effective on September 12, 2011; and

WHEREAS, the Parties desire to amend the Note to extend the Maturity Date from September 12,
2014 until July 31, 2015.

NOW THEREFORE, in consideration of the mutual covenants and promises contained in the Note and
this First Amendment and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the Parties agree as follows:

AMENDMENT

	 	1.	 	Section 1 of the Note is hereby amended and restated in its entirety as
follows:

The principal amount of the loan evidenced hereby, together with any accrued and
unpaid interest, and any and all unpaid costs, fees and expenses accrued, shall be
due and payable on July 31, 2015 (the “Maturity Date”).

2. Governing Law. This First Amendment shall be governed by the laws of the State of Florida
without regard to its conflict of laws rules or principles.

3. Amendments. Except as expressly amended hereby, the Note shall remain unmodified and in
full force and effect.

4. Entire Agreement. This First Amendment and the Note constitute the entire agreement of the
Parties with respect to the subject matter hereof and supersede all prior understandings and
writings between the Parties relating thereto.

5. Interpretation. Any capitalized terms used in this First Amendment but not otherwise
defined shall have the meaning provided in the Note.

6. Counterparts. This First Amendment may be executed manually, electronically in Adobe® PDF
file format, or by facsimile by the Parties, in any number of counterparts, each of which shall be
considered one and the same amendment and shall become effective when a counterpart hereof shall
have been signed by each of the Parties and delivered to the other Party.

IN WITNESS WHEREOF, Borrower has duly executed this First Amendment to the Note and Security
Note as of the 31st day of July, 2013.

	 	 	 
	 	 	NON-INVASIVE MONITORING SYSTEMS, INC.
	
 
	 	By: /s/ James J. Martin
	
 
	 	 
	
 
	 	Name: James J. Martin

Title: Chief Financial Officer
	Agreed and Accepted:

	 	

	FROST GAMMA INVESTMENTS TRUST

	 	

	By: /s/ Phillip Frost

	 	

	 

	 	

	Name: Phillip Frost, M.D.

Title: TrusteeEX-10.3

EXHIBIT 10.3

FIRST AMENDMENT TO PROMISSORY NOTE

THIS FIRST AMENDMENT (THE “FIRST AMENDMENT”) DATED JULY 31, 2013, SHALL AMEND THE PROMISSORY
NOTE (THE “NOTE”) DATED AS OF MAY 30, 2012 AMONG NON-INVASIVE MONITORING SYSTEMS, INC. (THE
“MAKER”) AND HSU GAMMA INVESTMENTS TRUST, L.P. (THE “PAYEE”) AS NOTED BELOW.

RECITALS

WHEREAS, Maker and Payee (collectively, the “Parties”) are parties to the Note which became
effective on May 30, 2012; and

WHEREAS, the Parties desire to amend the Note to extend the Maturity Date from September 12,
2014 until July 31, 2015.

NOW THEREFORE, in consideration of the mutual covenants and promises contained in the Note and
this First Amendment and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the Parties agree as follows:

AMENDMENT

	 	1.	 	Section 1 of the Note is hereby amended and restated in its entirety as
follows:

The principal amount of the loan evidenced hereby, together with any accrued and
unpaid interest, and any and all unpaid costs, fees and expenses accrued, shall be
due and payable on July 31, 2015 (the “Maturity Date”).

2. Governing Law. This First Amendment shall be governed by the laws of the State of Florida
without regard to its conflict of laws rules or principles.

3. Amendments. Except as expressly amended hereby, the Note shall remain unmodified and in
full force and effect.

4. Entire Agreement. This First Amendment and the Note constitute the entire agreement of the
Parties with respect to the subject matter hereof and supersede all prior understandings and
writings between the Parties relating thereto.

5. Interpretation. Any capitalized terms used in this First Amendment but not otherwise
defined shall have the meaning provided in the Note.

6. Counterparts. This First Amendment may be executed manually, electronically in Adobe® PDF
file format, or by facsimile by the Parties, in any number of counterparts, each of which shall be
considered one and the same amendment and shall become effective when a counterpart hereof shall
have been signed by each of the Parties and delivered to the other Party.

IN WITNESS WHEREOF, Borrower has duly executed this First Amendment to the Note and Security
Note as of the 31st day of July, 2013.

	 	 	 
	 	 	NON-INVASIVE MONITORING SYSTEMS, INC.
	
 
	 	By: /s/ James J. Martin
	
 
	 	 
	
 
	 	Name: James J. Martin

Title: Chief Financial Officer
	Agreed and Accepted:

	 	

	HSU GAMMA INVESTMENTS, L.P.

	 	

	By: /s/ Jane H. Hsiao

	 	

	 

	 	

	Name: Jane H. Hsiao, Ph.D.

Title: General PartnerEX-10.4

EXHIBIT 10.4

FIRST AMENDMENT TO PROMISSORY NOTE

THIS FIRST AMENDMENT (THE “FIRST AMENDMENT”) DATED JULY 31, 2013, SHALL AMEND THE PROMISSORY
NOTE (THE “NOTE”) DATED AS OF FEBRUARY 22, 2013 AMONG NON-INVASIVE MONITORING SYSTEMS, INC. (THE
“MAKER”) AND JANE HSIAO (THE “PAYEE”) AS NOTED BELOW.

RECITALS

WHEREAS, Maker and Payee (collectively, the “Parties”) are parties to the Note which became
effective on February 22, 2013; and

WHEREAS, the Parties desire to amend the Note to extend the Maturity Date from September 12,
2014 until July 31, 2015.

NOW THEREFORE, in consideration of the mutual covenants and promises contained in the Note and
this First Amendment and other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the Parties agree as follows:

AMENDMENT

	 	1.	 	Section 1 of the Note is hereby amended and restated in its entirety as
follows:

The principal amount of the loan evidenced hereby, together with any accrued and
unpaid interest, and any and all unpaid costs, fees and expenses accrued, shall be
due and payable on July 31, 2015 (the “Maturity Date”).

2. Governing Law. This First Amendment shall be governed by the laws of the State of Florida
without regard to its conflict of laws rules or principles.

3. Amendments. Except as expressly amended hereby, the Note shall remain unmodified and in
full force and effect.

4. Entire Agreement. This First Amendment and the Note constitute the entire agreement of the
Parties with respect to the subject matter hereof and supersede all prior understandings and
writings between the Parties relating thereto.

5. Interpretation. Any capitalized terms used in this First Amendment but not otherwise
defined shall have the meaning provided in the Note.

6. Counterparts. This First Amendment may be executed manually, electronically in Adobe® PDF
file format, or by facsimile by the Parties, in any number of counterparts, each of which shall be
considered one and the same amendment and shall become effective when a counterpart hereof shall
have been signed by each of the Parties and delivered to the other Party.

IN WITNESS WHEREOF, Borrower has duly executed this First Amendment to the Note and Security
Note as of the 31st day of July, 2013.

	 	 	 
	 	 	NON-INVASIVE MONITORING SYSTEMS, INC.
	
 
	 	By: /s/ James J. Martin
	
 
	 	 
	
 
	 	Name: James J. Martin

Title: Chief Financial Officer
	Agreed and Accepted:

	 	

	By: /s/ Jane Hsiao

	 	

	 

	 	

	Name: Jane HsiaoEX-10.1

FIRST AMENDMENT TO CREDIT AGREEMENT 

This FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”) is entered into
as of August 6, 2013, among PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation
(“PRA”, or the “Borrower”), the Guarantors, the Lenders party hereto constituting
Required Lenders and BANK OF AMERICA, N.A., as Administrative Agent.

Recitals

PRA, the Guarantors, the Lenders, and BANK OF AMERICA, N.A., as Administrative Agent, Swing
Line Lender and L/C Issuer, are party to that certain Credit Agreement dated as December 19, 2012
(as amended, supplemented, modified and in effect from time to time, the “Credit
Agreement”), pursuant to which the Lenders agreed to provide a senior credit facility to the
Borrower.  Capitalized terms used herein and not otherwise defined shall have the meanings ascribed
to them in the Credit Agreement.

PRA and the Guarantors have requested that the Administrative Agent and the Required Lenders
agree to certain changes to the Credit Agreement as set forth herein.  The Administrative Agent and
the Required Lenders are willing to agree to such changes to the Credit Agreement on the terms and
subject to the conditions hereinafter set forth.

In consideration of the foregoing recitals and the mutual covenants herein set forth and for
other good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, and intending to be legally bound, PRA, the Guarantors, the Lenders party hereto
constituting Required Lenders and the Administrative Agent hereby agree as follows:

ARTICLE I

AMENDMENTS TO CREDIT AGREEMENT

1. (a) The following defined terms are added to Section 1.01 of the Credit Agreement:

“Commodity Exchange Act” means the Commodity Exchange Act and rules and regulations
promulgated thereunder (7 U.S.C. § 1 et seq.), as amended from time to time, and any successor
statute, rule or regulation.

“Excluded Swap Obligation” means, with respect to any Loan Party, any Swap Obligation
if, and to the extent that, all or a portion of the Guaranty of such Loan Party of, or the grant by
such Loan Party of a security interest to secure, such Swap Obligation (or any Guaranty thereof) is
or becomes illegal under the Commodity Exchange Act or any rule, regulation or order of the
Commodity Futures Trading Commission (or the application or official interpretation of any thereof)
by virtue of such Loan Party’s failure for any reason to constitute an “eligible contract
participant” as defined in the Commodity Exchange Act (determined after giving effect to
Section 4.08 and any other “keepwell, support or other agreement” for the benefit of such
Loan Party and any and all guarantees of such Loan Party’s Swap Obligations by other Guarantors) at
the time the Guaranty of such Loan Party, or a grant by such Loan Party of a security interest,
becomes effective with respect to such Swap Obligation. If a Swap Obligation arises under a master
agreement governing more than one swap, such exclusion shall apply only to the portion of such Swap
Obligation that is attributable to swaps for which such Guaranty or security interest is or becomes
excluded in accordance with the first sentence of this definition.

“Fundamental Change” means (i) a recapitalization, reclassification, or change of the
common stock of PRA (other than changes resulting from a subdivision or combination) as a result of
which the common stock of PRA would be converted into or exchanged for, stock, other securities,
other property or assets; (ii) a sale, lease or other transfer in one transaction or a series of
transactions of all or substantially all of the consolidated assets of PRA and its subsidiaries
(other than to one of its subsidiaries); or (iii) the common stock of PRA or other ordinary shares
underlying Permitted Convertible Notes shall cease to be listed or quoted on the New York Stock
Exchange, the NASDAQ Global Select Market or the NASDAQ Global Market (or any of their respective
successors).

“Master Agreement” has the meaning set forth in the definition of “Swap Contract.”

“Permitted Convertible Notes” has the meaning specified in Section 8.03(m).

“Qualified ECP Guarantor” means at any time, each Loan Party with total assets
exceeding $10,000,000 or that qualifies at such time as an “eligible contract participant” under
the Commodity Exchange Act and can cause another Person to qualify as an “eligible contract
participant” at such time under Section 1a(18)(A)(v)(II) of the Commodity Exchange Act.

“Specified Loan Party” means any Loan Party or Guarantor that is not an “eligible
contract participant” under the Commodity Exchange Act (determined prior to giving effect to
Section 19 of the AGG Guaranty Agreement).

“Swap Obligations” means with respect to any Guarantor any obligation to pay or
perform under any agreement, contract or transaction that constitutes a “swap” within the meaning
of Section 1a(47) of the Commodity Exchange Act.

(b) The following defined term in Section 1.01 of the Credit Agreement is hereby amended and
restated in its entirety as follows:

“Restricted Payment” means any dividend or other distribution (whether in cash,
securities or other property) with respect to any Equity Interests of any Loan Party or any
Subsidiary, or any payment (whether in cash, securities or other property), including any sinking
fund or similar deposit, on account of the purchase, redemption, retirement, acquisition,
cancellation or termination of any such Equity Interests or on account of any return of capital to
PRA’s stockholders, partners or members (or the equivalent Person thereof), or any setting apart of
funds or property for any of the foregoing, provided, for clarity, neither the conversion of
convertible debt into capital stock (including cash for fractional shares), nor the purchase,
redemption, retirement, acquisition, cancellation or termination of convertible debt made with
Equity Interests shall be a Restricted Payment.

2. The definition of “Guarantors” in Section 1.01 of the Credit Agreement is hereby
amended and restated in its entirety to read as follows:

“Guarantors” means, collectively, (a) each Domestic Subsidiary of PRA that is a Wholly
Owned Subsidiary identified as a “Guarantor” on the signature pages hereto, (b) each Person that
joins as a Guarantor pursuant to Section 7.12 or otherwise, (c) with respect to (i)
Obligations under any Swap Contract between any Loan Party (other than PRA or any Specified Loan
Party) and any Swap Bank that is permitted to be incurred pursuant to Section 8.03(d), (ii)
Obligations under any Treasury Management Agreement between any Loan Party (other than PRA) and any
Treasury Management Bank, (iii) any Swap Obligation of a Specified Loan Party (determined before
giving effect to Sections 4.01 and 4.08) under the Guaranty and (iv) the Designated
Borrower Obligations, PRA, and (d) the successors and permitted assigns of the foregoing; provided,
that, “Subsidiary Guarantor” shall not include any Excluded Subsidiaries.

3. The following proviso is hereby added to the end of the definition of “Obligations”
in Section 1.01 of the Credit Agreement:

“; provided that the “Obligations” of a Loan Party shall exclude any Excluded Swap
Obligations with respect to such Loan Party.”

4. Section 2.02(f)(i)(A) of the Credit Agreement is hereby amended in its entirety to
read as follows:

“(A) any such increase shall be in a minimum principal amount of $10,000,000 and in
integral multiples of $1,000,000 in excess thereof, or such other integral amount as the
Administrative Agent may agree in its reasonable discretion;”

5. The following Section 4.08 is hereby added immediately following Section 4.07 of the
Credit Agreement:

“4.08 Keepwell.

Each Loan Party that is a Qualified ECP Guarantor at the time the Guaranty in this Article
IV by any Specified Loan Party or the grant of a security interest under the Loan Documents by
any such Specified Loan Party, in either case, becomes effective with respect to any Swap
Obligation, hereby jointly and severally, absolutely, unconditionally and irrevocably undertakes to
provide such funds or other support to each Specified Loan Party with respect to such Swap
Obligation as may be needed by such Specified Loan Party from time to time to honor all of its
obligations under this Guaranty and the other Loan Documents in respect of such Swap Obligation
(but, in each case, only up to the maximum amount of such liability that can be hereby incurred
without rendering such Qualified ECP Guarantor’s obligations and undertakings under this Article IV
voidable under applicable Debtor Relief Laws, and not for any greater amount). The obligations and
undertakings of each Qualified ECP Guarantor under this Section 4.08 shall remain in full
force and effect until the Obligations have been indefeasibly paid and performed in full. Each Loan
Party intends this Section 4.08 to constitute, and this Section 4.08 shall be
deemed to constitute, a “keepwell, support, or other agreement” for the benefit of each Specified
Loan Party for all purposes of the Commodity Exchange Act.”

6. Clause (m) of Section 8.03 (Indebtedness) of the Credit Agreement is hereby amended
and restated to read in full as follows:

“(m)  Indebtedness of PRA in the form of senior, unsecured convertible notes (including the
related indenture) in an aggregate amount not to exceed $300,000,000 (“Permitted Convertible
Notes”); provided, that (i) no Default or Event of Default has occurred or is
continuing, or would result from the issuance of such Indebtedness and (ii) such Indebtedness shall
not have a maturity date or be subject to any form of redemption within 180 days of the Maturity
Date hereunder, other than pursuant to conversion of the Permitted Convertible Notes, customary
provisions requiring redemption upon a “change of control” (as defined in the documentation
relating to any Permitted Convertible Notes), the occurrence of a Fundamental Change or
acceleration upon an event of default; and”

7. The following new clause (g) is hereby added to Section 8.06 (Restricted Payments)
of the Credit Agreement to read in full as follows:

“(g) PRA may (i) so long as no Default or Event of Default shall have occurred and be
continuing, incur obligations under Permitted Convertible Notes, including but not limited to
obligations thereunder that require repurchase of such Permitted Convertible Notes at the option of
the holders thereof upon the occurrence of a “change of control” (as defined in the documentation
relating to any Permitted Convertible Notes) or a Fundamental Change or that permit holders to
convert the Permitted Convertible Notes, (ii) so long as no Default or Event of Default shall have
occurred and be continuing, satisfy any conversion of Permitted Convertible Notes through a cash
payment pursuant to cash settlement provisions contained in the documentation relating to any
Permitted Convertible Notes, provided, that, (y) immediately prior to any such cash payment, PRA
has Sufficient Liquidity (as defined below), and (z) prior to any such cash payment, PRA shall
deliver to the Administrative Agent a Compliance Certificate demonstrating that after giving effect
to any such cash payment on a Pro Forma Basis, the Loan Parties and their Subsidiaries would have
been in compliance with the financial covenants set forth in Section 8.11, (iii) so long as
no Default or Event of Default shall have occurred and be continuing, make any required repurchase
of Permitted Convertible Notes in cash pursuant to the terms thereof upon the occurrence of a
“change of control” (as defined in the documentation relating to any Permitted Convertible Notes)
or a Fundamental Change, (iv) so long as no Default or Event of Default shall have occurred and be
continuing, pay the principal of, and retire, any outstanding Permitted Convertible Notes at
maturity, including at stated maturity and upon acceleration upon an event of default; and (v) make
any required interest payments under the Permitted Convertible Notes.

“Sufficient Liquidity” means cash and Cash Equivalents (including, without limitation,
availability under the Domestic Revolving A Commitments and Multi Currency Revolving B Commitments)
in an aggregate amount equal to 115% of the sum of the principal amount of the Permitted
Convertible Notes contemplated to be paid by the Borrower in cash.”

8. Clause (b) of Section 8.13 (Prepayment of Other Indebtedness, Etc.) of the Credit
Agreement is hereby amended and restated to read in full as follows:

“(b) Make any voluntary or optional payment or prepayment or redemption or acquisition for
value of (including without limitation, by way of depositing money or securities with the trustee
with respect thereto before due for the purpose of paying when due), refund, refinance or exchange
of any Indebtedness of any Loan Party or any Subsidiary (other than Indebtedness arising under the
Loan Documents, intercompany indebtedness and cash settlements of conversions of Permitted
Convertible Notes permitted by Section 8.06(g)).”

9. Clause (e) of Section 9.01 (Events of Default) of the Credit Agreement is hereby
amended and restated to read in full as follows:

“(e) Cross-Default. (i) Any Loan Party or any Subsidiary (A) fails to make any
payment when due and beyond the applicable grace period (whether by scheduled maturity, required
prepayment, acceleration, demand, or otherwise) in respect of any Indebtedness or Guarantee (other
than Indebtedness hereunder and Indebtedness under Swap Contracts) having an outstanding aggregate
principal amount (including undrawn committed or available amounts and including amounts owing to
all creditors under any combined or syndicated credit arrangement) of more than the Threshold
Amount, or (B) fails (beyond any applicable grace period) to observe or perform any other agreement
or condition relating to any such Indebtedness or Guarantee or contained in any instrument or
agreement evidencing, securing or relating thereto, or any other event occurs, the effect of which
default or other event is to cause, or to permit the holder or holders of such Indebtedness or the
beneficiary or beneficiaries of such Guarantee (or a trustee or agent on behalf of such holder or
holders or beneficiary or beneficiaries) to cause, with the giving of notice if required, such
Indebtedness to be demanded or to become due or to be repurchased, prepaid, defeased or redeemed
prior to its stated maturity, or an offer to repurchase, prepay, defease or redeem such
Indebtedness to be made, prior to its stated maturity, or such Guarantee to become payable or cash
collateral in respect thereof to be demanded unless, in the case of this clause (i), such event or
condition is no longer continuing or has been waived in accordance with the terms of such
Indebtedness such that the holder or holders thereof or any trustee or agent on its or their behalf
are no longer enabled or permitted to cause such Indebtedness to become due, or to require the
prepayment, repurchase, redemption or defeasance thereof, prior to its scheduled maturity; provided
that this clause (i) shall not apply to (1) secured Indebtedness that becomes due as a result of
the voluntary sale or transfer of the property or assets securing such Indebtedness; or (2)
convertible debt that becomes due as a result of an offer to repurchase that is required to be made
or a conversion, repayment or redemption event, provided such repurchase, conversion, repayment or
redemption is effectuated only in capital stock or is permitted to be repurchased, settled upon
conversion in cash, repaid or redeemed pursuant to Section 8.06(g); or (ii) there occurs
under any Swap Contract an Early Termination Date (as defined in such Swap Contract) resulting from
(A) any event of default under such Swap Contract as to which a Borrower or any Subsidiary is the
Defaulting Party (as defined in such Swap Contract) or (B) any Termination Event (as so defined)
under such Swap Contract as to which a Borrower or any Subsidiary is an Affected Party (as so
defined) and, in either event, the Swap Termination Value owed by such Borrower or such Subsidiary
as a result thereof is greater than the Threshold Amount;”

10. The following provision is hereby added at the end of Section 9.02 of the Credit
Agreement:

“Excluded Swap Obligations with respect to any Loan Party shall not be paid with amounts
received from such Loan Party or such Loan Party’s assets, but appropriate adjustments shall be
made with respect to payments from other Loan Parties to preserve the allocation to Obligations
otherwise set forth above in this Section.”

ARTICLE II

CONDITIONS TO EFFECTIVENESS

This Amendment shall become effective on the date first written above (the “Amendment
Effective Date”) when the following conditions have been met:

1. Counterparts. The Administrative Agent shall have received counterparts of
this Amendment executed on behalf of the Borrower, the Guarantors, the Administrative Agent
and the Required Lenders.

2. Costs and Expenses, etc. The Administrative Agent shall have received all
costs and expenses due and payable pursuant to Section 11.04 of the Credit Agreement, if then
invoiced.

3. Other Documents. The Administrative Agent shall have received such other
documents, agreements or information as the Administrative Agent may reasonably request.

ARTICLE III

MISCELLANEOUS

1. Successors and Assigns. This Amendment shall be binding upon and inure to
the benefit of the parties hereto and their respective successors and assigns.

2. Counterparts. This Amendment may be executed in counterparts (and by
different parties hereto in different counterparts), each of which shall constitute an
original, but all of which when taken together shall constitute a single contract. Delivery
of an executed counterpart of a signature page of this Amendment by telecopy or other
electronic imaging means shall be effective as delivery of a manually executed counterpart of
this Amendment.

3. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

4. Full Force and Effect; Limited Amendment. Except as expressly amended
hereby, all of the representations, warranties, terms, covenants, conditions and other
provisions of the Credit Agreement and the other Loan Documents shall remain unchanged and
shall continue to be, and shall remain, in full force and effect in accordance with their
respective terms and Borrower and each Guarantor confirms, reaffirms and ratifies all such
documents and agrees to perform and comply with the terms and conditions of the Credit
Agreement, as amended hereby, and the other Loan Documents. The amendments set forth herein
shall be limited precisely as provided for herein to the provisions expressly amended herein
and shall not be deemed to be an amendment to, waiver of, consent to or modification of any
other term or provision of the Credit Agreement or any other Loan Document or of any
transaction or further or future action on the part of any Loan Party which would require the
consent of the Lenders under the Credit Agreement or any of the Loan Documents.

5. Representations and Warranties. To induce the Administrative Agent Lenders
to execute and deliver this Amendment, the Borrower hereby represents and warrants to the
Lenders on the Amendment Effective Date that no Default or Event of Default exists and all
statements set forth in Section 5.02(a) of the Credit Agreement are true and correct as of
such date, except to the extent that any such statement expressly relates to an earlier date
(in which case such statement was true and correct on and as of such earlier date).

[SIGNATURE PAGES FOLLOW]IN WITNESS WHEREOF, the parties hereto have executed and
delivered this Amendment as of the date first above written.

PORTFOLIO RECOVERY ASSOCIATES, INC.

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Executive Vice President and General Counsel

PORTFOLIO RECOVERY ASSOCIATES, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA HOLDING I, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA LOCATION SERVICES, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA GOVERNMENT SERVICES, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA RECEIVABLES MANAGEMENT, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA HOLDING II, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA HOLDING III, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

MUNI SERVICES, LLC

By: /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA PROFESSIONAL SERVICES, LLC

By:  /s/ Judith S. Scott

Name: Judith S. Scott

Title: Member’s Representative

PRA FINANCIAL SERVICES, LLC

By:  /s/ Kent McCammon

Name: Kent P. McCammon

Title: Manager

1

BANK OF AMERICA, N.A., as

Administrative Agent

By:  /s/ Denise Jones

Name: Denise Jones

Title: Assistant Vice President

2

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

By: /s/ Jundie Cadiena

Name: Jundie Cadiena

Title: Senior Vice President

3

WELLS FARGO BANK, NATIONAL ASSOCIATION, as a Lender

By: /s/ Paula Smith

Name: Paula Smith

Title: Senior Vice President

4

KEYBANK NATIONAL ASSOCIATION, as a Lender

By: /s/ James Cribbet

Name: James Cribbet

Title: Senior Vice President

5

SUNTRUST BANK, as a Lender

By: /s/ Joel S. Rhew

Name: Joel S. Rhew

Title: Senior Vice President

6

XENITH BANK, as a Lender

By: /s/ Bradley D. Nott

Name: Bradley D. Nott

Title: Senior Vice President

7

FIFTH THIRD BANK, as a Lender

By: /s/ Mary Ramsey

Name: Mary Ramsey

Title: Vice President

8

STELLAR ONE BANK, as a Lender

By: /s/ David A. Durham

Name: David A. Durham

Title: Market Executive

9

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