Document:

Exhibit

Exhibit 10.1
AMENDMENT NO. 5 TO THIRD AMENDED AND RESTATED CREDIT AND SECURITY AGREEMENT 
This AMENDMENT NO. 5 TO THIRD AMENDED AND RESTATED CREDIT AND SECURITY AGREEMENT is dated as of March 2, 2017 (this “Amendment”), among AMERESCO, INC. (the “Borrower”), THE GUARANTORS PARTY HERETO (the "Guarantors" and collectively with the Borrower, the "Loan Parties"), THE LENDERS PARTY HERETO (the “Lenders”), and BANK OF AMERICA, N.A., as administrative agent (the “Agent”).
WHEREAS, the Loan Parties, the Lenders, and the Agent are parties to that certain Third Amended and Restated Credit and Security Agreement dated as of June 30, 2015, as heretofore amended, among the Borrower, the Guarantors, the Lenders, and the Agent (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”);
WHEREAS, the Loan Parties, the Agent and the Lenders wish to revise certain provisions of the Credit Agreement, as described herein; 
NOW, THEREFORE, in consideration of the foregoing and the agreements contained herein, the parties agree that the Credit Agreement is hereby amended as follows:
1.Capitalized Terms.  Except as otherwise expressly defined herein, all capitalized terms used herein which are defined in the Credit Agreement have the same meanings herein as therein, except to the extent that such meanings are amended hereby.
2.    Amendment to Credit Agreement.
(a)    Section 9.6(d) of the Credit Agreement is hereby deleted and replaced with the following:
(d)    the Borrower may make repurchases of its Equity Interests in an aggregate amount under this paragraph (d) up to $15,000,000 so long as immediately before and immediately after such repurchase on a Pro Forma Basis, incorporating such pro-forma assumptions as are satisfactory to the Agent in its reasonable discretion, (i) no Default or Event of Default shall have occurred and be continuing, and (ii) (A) the Loan Parties shall be in compliance with the financial covenant set forth in Section 9.10(b), (B) the Core Leverage Ratio shall not exceed 1.5 to 1.00, and (C) the sum of unrestricted cash plus the amount of the Revolving Commitment available to be borrowed under Section 2.1 shall not be less than $25,0000,000; and 
3.    Confirmation of Guaranty by Guarantors.  Each Guarantor hereby confirms and agrees that all indebtedness, obligations or liability of the Borrower under the Credit Agreement as amended hereby, whether any such indebtedness, obligations and liabilities are now existing or hereafter arising, due or to become due, absolute or contingent, or direct or indirect, constitute “Guaranteed Obligations” under and as defined in the Credit Agreement and, subject to the limitation 

AM 65854539.1 

set forth in Section 4.1 of the Credit Agreement, are guaranteed by and entitled to the benefits of the Guaranty set forth in Article 4 of the Credit Agreement.  Each Guarantor hereby ratifies and confirms the terms and provisions of such Guarantor’s Guaranty and agrees that all of such terms and provisions remain in full force and effect.
4.    Confirmation of Security Interests.  Each Loan Party (other than the Special Guarantors) hereby confirms and agrees that all indebtedness, obligations and liabilities of the Loan Parties under the Credit Agreement as amended hereby, whether any such indebtedness, obligations and liabilities are now existing or hereafter arising, due or to become due, absolute or contingent, or direct or indirect, constitute “Secured Obligations” under and as defined in the Credit Agreement and are secured by the Collateral and entitled to the benefits of the grant of security interests pursuant to Article 5 of the Credit Agreement.  The Loan Parties (other than the Special Guarantors) hereby ratify and confirm the terms and provisions of Article 5 of the Credit Agreement and agree that, after giving effect to this Amendment, all of such terms and provisions remain in full force and effect.
5.    No Default; Representations and Warranties, etc.  The Loan Parties hereby confirm that, after giving effect to this Amendment, (i) the representations and warranties of the Loan Parties contained in Article 6 of the Credit Agreement and the other Loan Documents (A) that contain a materiality qualification are true and correct on and as of the date hereof as if made on such date (except to the extent that such representations and warranties expressly relate to an earlier date), and (B) that do not contain a materiality qualification are true are true and correct in all material respects on and as of the date hereof as if made on such date (except to the extent that such representations and warranties expressly relate to an earlier date), and (ii) no Default or Event of Default shall have occurred and be continuing.  Each Loan Party hereby further represents and warrants that (a) the execution, delivery and performance by such Loan Party of this Amendment (i) have been duly authorized by all necessary action on the part of such Loan Party, (ii) will not violate any applicable law or regulation or the organizational documents of such Loan Party, (iii) will not violate or result in a default under any indenture, agreement or other instrument binding on such Loan Party or any of its assets that will have a Material Adverse Effect, and (iv) do not require any consent, waiver, approval, authorization or order of, or filing, registration or qualification with, any court or governmental authority or any Person (other than the Agent and the Lenders) which has not been made or obtained; and (b) it has duly executed and delivered this Amendment.
6.    Conditions to Effectiveness.  This Amendment shall become effective upon the receipt by the Agent of counterparts of this Amendment duly executed by each of the parties hereto or written evidence reasonably satisfactory to the Agent that each of the parties hereto has signed a counterpart of this Amendment.
7.    Miscellaneous.
(a)    Except to the extent specifically amended hereby, the Credit Agreement, the Loan Documents and all related documents shall remain in full force and effect.  This Amendment shall constitute a Loan Document.  Whenever the terms or sections amended hereby shall be referred to in the Credit Agreement, Loan Documents or such other documents (whether directly or by 

2

incorporation into other defined terms), such defined terms shall be deemed to refer to those terms or sections as amended by this Amendment.
(b)    This Amendment may be executed in any number of counterparts, each of which, when executed and delivered, shall be an original, but all counterparts shall together constitute one 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.
(c)    This Amendment shall be governed by the laws of the Commonwealth of Massachusetts and shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.
(d)    The Loan Parties agree to pay all reasonable expenses, including legal fees and disbursements incurred by the Agent in connection with this Amendment and the transactions contemplated hereby.

[Signature Pages Follow]

3

IN WITNESS WHEREOF, the parties hereto have executed this Amendment which shall be deemed to be a sealed instrument as of the date first above written.

	
		
	 
	BORROWER

	 
	 

	 
	AMERESCO, INC.

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Executive Vice President & 

	 
	                 Chief Financial Officer

	 
	 

	 
	GUARANTORS

	 
	 

	 
	AMERESCO ENERTECH, INC.

	 
	AMERESCO FEDERAL SOLUTIONS, INC.

	 
	AMERESCO PLANERGY HOUSING, INC.

	 
	AMERESCO QUANTUM, INC.

	 
	AMERESCO SELECT, INC.

	 
	AMERESCOSOLUTIONS, INC.

	 
	APPLIED ENERGY GROUP INC.

	 
	SIERRA ENERGY COMPANY

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Treasurer

	 
	 

	 
	AMERESCO SOUTHWEST, INC.

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Vice President and Treasurer

	 
	 

	 
	E. THREE CUSTOM ENERGY SOLUTIONS, LLC.

	 
	By: Sierra Energy Company, its sole member

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Treasurer

	 
	 

	 
	 

[Signature Page to Amendment No. 5 to Third Amended Ameresco Credit and Security Agreement]

	
		
	 
	AMERESCO ASSET SUSTAINABILITY GROUP LLC

	 
	AMERESCO CT LLC

	 
	AMERESCO DELAWARE ENERGY LLC

	 
	AMERESCO EVANSVILLE, LLC

	 
	AMERESCO HAWAII LLC

	 
	AMERESCO INTELLIGENT SYSTEMS, LLC

	 
	AMERESCO LFG HOLDINGS LLC

	 
	AMERESCO PALMETTO LLC

	 
	AMERESCO SOLAR, LLC

	 
	AMERESCO SOLAR NEWBURYPORT LLC

	 
	AMERESCO STAFFORD LLC

	 
	AMERESCO WOODLAND MEADOWS ROMULUS LLC

	 
	SELDERA LLC

	 
	SOLUTIONS HOLDINGS, LLC

	 
	 

	 
	By: Ameresco, Inc., its sole member

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Executive Vice President &

	 
	                 Chief Financial Officer

	 
	 

	 
	AMERESCO SOLAR - PRODUCTS LLC

	 
	AMERESCO SOLAR - SOLUTIONS LLC

	 
	AMERESCO SOLAR - TECHNOLOGIES LLC

	 
	By: Ameresco Solar LLC, its sole member

	 
	By: Ameresco, Inc., its sole member

	 
	 

	 
	By: /s/ John R. Granara, III______________

	 
	Name:      John R. Granara, III

	 
	Title:        Executive Vice President &

	 
	                 Chief Financial Officer

	 
	 

[Signature Page to Amendment No. 5 to Third Amended Ameresco Credit and Security Agreement]

AGENT:

BANK OF AMERICA, N.A.

By:   /s/ Mollie S. Canup_____________________
Name: Mollie S Canup
Title:   Vice President

LENDERS:

BANK OF AMERICA, N.A.

By:   /s/ Luanne T. Smith_____________________
Name: Luanne T. Smith
Title:   VP

WEBSTER BANK, N.A.

By:   /s/ Ann M Meade_______________________
Name: Ann M Meade
Title:   Senior Vice President

[Signature Page to Amendment No. 5 to Third Amended Ameresco Credit and Security Agreement]EX-10.1

 Exhibit 10.1 

Execution Version 
 THIRD
AMENDMENT TO FINANCING AGREEMENT 
 This THIRD AMENDMENT TO FINANCING AGREEMENT (this “Amendment”) is made and
entered into as of April 27, 2017 by and among Elastic SPV, Ltd., an exempted company incorporated with limited liability under the laws of the Cayman Islands (the “Borrower”), Elevate Credit, Inc., a Delaware corporation
(“Elevate Credit”) as a Guarantor, the other Guarantors party hereto (such Guarantors, collectively with Elevate Credit and the Borrower, the “Credit Parties”) and Victory Park Management, LLC, as
administrative agent and collateral agent for the Lenders and the Holders (in such capacity, the “Agent”). Capitalized terms used and not otherwise defined herein shall have the respective meanings ascribed to them in the Financing
Agreement or if not defined therein, in the Pledge and Security Agreement. 
 WHEREAS, the Credit Parties, the Lenders and the
Agent are parties to that certain Financing Agreement dated as of July 1, 2015, as amended by that certain First Amendment to Financing Agreement dated as of October 21, 2015 and that certain Second Amendment to Financing Agreement dated
as of July 14, 2016 (as amended, restated, supplemented or otherwise modified from time to time, the “Financing Agreement”); and 

WHEREAS, the Credit Parties and the Agent desire to amend certain provisions of the Financing Agreement on the terms set forth herein.

 NOW, THEREFORE, in consideration of the premises and for other good and valuable consideration, the receipt, adequacy and
sufficiency of which are hereby acknowledged, the parties hereto agree as follows: 
 1.    Amendments to
Financing Agreement. Subject to the terms and conditions of this Amendment, including the satisfaction of the conditions precedent set forth in Section 2 hereof, the Financing Agreement is amended as follows: 

(a)    The definition of “Current Interest Rate” set forth in Section 1.1. of the Financing Agreement
is hereby amended by deleting such definition in its entirety and substituting the following therefor (changes are in italics): 

““Current Interest Rate” means a rate equal to: 

(a)    during such times as the aggregate outstanding principal amount of the Notes is less than or equal
to $50,000,000, the Base Rate plus (x) for such times before July 1, 2019, thirteen percent (13.0%) per annum or such other rate as may be agreed upon by all of the parties hereto or
(y) for such times on or after July 1, 2019, twelve percent (12.00%) per annum or such other rate as may be agreed upon by all of the parties hereto; 

(b)    during such times as the aggregate outstanding principal amount of the Notes is greater than
$50,000,000 but less than or equal to $100,000,000 (such Notes, the “First Additional Notes”), the quotient of: 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 (i)    (A) the Base Rate plus (x) for
such times before July 1, 2019, thirteen percent (13.0%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019,
twelve percent (12.00%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by $50,000,000, plus, (B) the Base Rate plus (x) for such times before
July 1, 2019, twelve percent (12.0%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, eleven percent
(11.00%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by the aggregate outstanding principal amount of the Notes that is in excess of $50,000,000 but less than or equal to $100,000,000,
 
 divided by 

(ii)    the aggregate outstanding principal amount of the Notes; 

(c)        during such times as the aggregate outstanding principal amount of the Notes
is greater than $100,000,000 (such Notes, the “Second Additional Notes” and together with the First Additional Notes, the “Additional Notes”), the quotient of: 

(i)    (A) the Base Rate plus (x) for such times before July 1,
2019, thirteen percent (13.0%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, twelve percent (12.00%) per annum or such
other rate as may be agreed upon by all of the parties hereto, multiplied by $50,000,000, plus, (B) the Base Rate plus (x) for such times before July 1, 2019, twelve percent (12.0%) per
annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, eleven percent (11.00%) per annum or such other rate as may be agreed upon by all of
the parties hereto, multiplied by $50,000,000, plus (C) the Base Rate plus (x) for such times before July 1, 2019, thirteen and one-half percent
(13.5%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, twelve and one-half percent
(12.50%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by the aggregate outstanding principal amount of the Notes that is in excess of $100,000,000 but less than or equal to $150,000,000, 

divided by 

(ii)    the aggregate outstanding principal amount of the Notes; and 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 2 

 (d)        during such times as the
aggregate outstanding principal amount of the Notes is greater than $150,000,000 (such Notes, the “Third Additional Notes” and together with the First Additional Notes and the Second Additional
Notes, the “Additional Notes”), the quotient of: 
 (i)    (A) the
Base Rate plus (x) for such times before July 1, 2019, thirteen percent (13.00%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, twelve percent
(12.00%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by $50,000,000, plus, (B) the Base Rate plus (x) for such times before July 1, 2019, twelve percent (12.00%) per annum or such
other rate as may be agreed upon by all of the parties hereto or (y) for such times on or after July 1, 2019, eleven percent (11.00%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by
$50,000,000, plus, (C) the Base Rate plus (x) for such times before July 1, 2019, thirteen and one-half percent (13.5%) per annum or such other rate as may be agreed upon by all of the
parties hereto or (y) for such times on or after July 1, 2019, twelve and one-half percent (12.50%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by
$50,000,000, plus (D) the Base Rate plus (x) for such times before July 1, 2019, twelve and three-quarters percent (12.75%) per annum or such other rate as may be agreed upon by all of the parties hereto or (y) for such
times on or after July 1, 2019, eleven and three-quarters percent (11.75%) per annum or such other rate as may be agreed upon by all of the parties hereto, multiplied by the aggregate outstanding principal amount of the Notes that is in excess
of $150,000,000, 
 divided by 

(ii)    the aggregate outstanding principal amount of the Notes.” 

(b)    The definition of “Federal or Multi-State Force Majeure Event” set forth in Section 1.1. of the
Financing Agreement is hereby amended by deleting such definition in its entirety and substituting the following therefor (changes in italics): 

““Federal or Multi-State Force Majeure Event” means (i) any regulatory event or regulatory change at the
federal level or in any group of states acting in concert in which the Credit Parties originate Consumer Loans, in each case, that would prohibit or make it illegal for the Credit Parties to continue to originate or collect Consumer Loans in such
affected jurisdictions pursuant to the Program or another program of a type similar to the Program or (ii) the termination by Republic Bank of the Program and the failure by the Credit Parties, after using commercially
reasonable efforts during the termination period specified in Republic Bank’s  

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 3 

 
termination notice, to arrange for another partner to originate Consumer Loans or similar products under the Program or another program of similar type to the Program, either of which
resulting in a Federal or Multi-State Force Majeure Affected Amount equal to two-thirds or more of the aggregate principal amount then outstanding under the Notes as of the applicable date of
determination.” 
 (c)    The definition of “Maximum Commitment” set forth in Section 1.1. of the
Financing Agreement is hereby amended by deleting such definition in its entirety and substituting the following therefor (changes in italics): 

““Maximum Commitment” means $250,000,000.” 

(d)    The definition of “Maturity Date” set forth in Section 1.1. of the Financing Agreement is hereby
amended by deleting such definition in its entirety and substituting the following therefor (changes in italics): 

““Maturity Date” means the earlier of (a) July 1, 2021; provided, the “Maturity Date” shall
be deemed to be “August 13, 2018” solely for purposes of any Notes held by VPC Investor Fund A, L.P. unless the Agent, in its sole discretion, syndicates or otherwise transfers the Notes held by VPC Investor Fund A, L.P. to one or more
third-party lenders on or prior to August 13, 2018, the Maturity Date for such Notes shall be deemed to be July 1, 2021 and such third-party lenders by their acquisition and acceptance of such Notes shall be
deemed to have consented to a Maturity Date of July 1, 2021; and (b) such earlier date as the unpaid principal balance of all outstanding Notes becomes due and payable pursuant to the terms of this Agreement and the
Notes.” 
 (e)    The definition of “Prepayment Premium” set forth in Section 1.1. of the Financing
Agreement is hereby amended by deleting such definition in its entirety and substituting the following therefor (changes in italics): 

““Prepayment Premium” means the premium to be paid in connection with certain prepayments of the Notes pursuant to this
Agreement, including pursuant to Section 2.3(a) and Section 2.3(b), but specifically excluding any mandatory prepayment pursuant to Sections 2.3(b)(ii), 2.3(b)(v), 2.3(b)(vi) or 2.3(b)(vii) (solely to the extent such excess required to be applied as
a prepayment relates to a prepayment under Sections 2.3(b)(ii), 2.3(b)(v) or 2.3(b)(vi)). Such prepayment premium shall be equal to, with respect to such prepayment to be made or made during any period set forth in the table below, the percentage
set forth beside such period in such table of the aggregate principal amount of the Notes then prepaid or required to be prepaid: 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 4 

					
	 Period
	  	Prepayment
Premium	 
	 July 1, 2019 through and including June 30, 2020
	  	 	5.0	% 
	 July 1, 2020 through and including June 30, 2021
	  	 	3.0	% 
	 Thereafter
	  	 	None	 

 (f)    Section 1.1 of the Financing Agreement is hereby further amended by adding the
following definition thereto in appropriate alphabetical order: 
 ““New Credit Facility” has the meaning set forth in
Section 8.28.” 
 ““Third Additional Notes” has the meaning set forth in the definition
of “Current Interest Rate.”” 
 (g)    Section 2.3(a)(i) of the Financing Agreement is hereby amended by
deleting such section in its entirety and substituting the following therefor (changes in italics): 

“(i)    The Borrower may, at its option, elect to pay to the Agent, on behalf of the Holders, the Permitted Redemption
Amount (as defined below), on the Permitted Redemption Date, by redeeming the aggregate unpaid principal amount of all Notes, in whole (and not in part), whereupon the Commitments of each Lender shall automatically and permanently be terminated (the
“Permitted Redemption”); provided that, no such Permitted Redemption shall be permitted before July 1, 2019. On or prior to the date which is the thirtieth
(30th) calendar day prior to the proposed Permitted Redemption Date, the Borrower shall deliver written notice (the “Permitted Redemption Notice”) to the Agent stating
(i) that the Borrower elects to redeem pursuant to the Permitted Redemption and (ii) the proposed Permitted Redemption Date. The “Permitted Redemption Amount” shall be equal to (A) the aggregate unpaid outstanding
principal amount of all Notes, (B) all accrued and unpaid interest with respect to such principal amount and all accrued and unpaid fees, (C) all accrued and unpaid Late Charges with respect to such Permitted Redemption Amount,
(D) the Prepayment Premium and (E) all other amounts due under the Transaction Documents. The Credit Parties acknowledge and agree that the Prepayment Premium represents bargained for consideration in exchange for the right and privilege
to redeem the Notes. 
 (h)    Section 2.3(a)(iii) of the Financing Agreement is hereby amended by deleting such section
in its entirety and substituting the following therefor (changes in italics): 
 “(iii) Notwithstanding the foregoing and
anything to the contrary herein, (A) if a Federal or Multi-State Force Majeure Event shall have occurred or (B) if the Lenders shall fail to purchase additional Notes requested by the Borrower after the Closing Date in accordance with
Section 2.1 and provided that all conditions 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 5 

 
of such purchase set forth in Section 5.2 shall have been satisfied at the time thereof (a “Qualified Funding Failure”), then the Borrower shall have
the right, exercisable upon at least sixty (60) calendar days’ prior written notice to the Agent, to consummate a Permitted Redemption at a price equal to the Permitted Redemption Amount excluding the Prepayment Premium, which Permitted
Redemption shall otherwise be made in accordance with the provisions of Section 2.3(a)(i) hereof; provided, that such right to consummate a Permitted Redemption at a price equal to the Permitted Redemption Amount excluding the
Prepayment Premium shall expire (x) in the case of the foregoing clause (A), upon the cessation of such Federal or Multi-State Force Majeure Event or (y) in the case of the foregoing clause (B), upon written notice from the Agent to the
Borrower, given no later than ten (10) calendar days after the Agent’s receipt of the Borrower’s notice of redemption under the foregoing Section 2.3(a)(iii)(B) stating that the Lenders are thereafter willing and able to
purchase additional Notes requested by the Borrower, in accordance with Section 2.1 and provided that all conditions of such purchase set forth in Section 5.2 shall have been satisfied at the time
thereof; provided further, that, in the case of a Permitted Redemption in respect of the foregoing clause (A), if such Federal or Multi-State Force Majeure Event ceases within the earlier of (i) two
(2) years following such Permitted Redemption or (ii) July 1, 2021, the Credit Parties shall give the Agent and Lenders the right to participate in any new Program or similar program to the Program and, subject
to such new Program or similar program having the same or substantially similar structure and economics, on substantially similar terms to the Financing Agreement. For purposes of clarification, prior to the expiration of the ten
(10) calendar day (or longer, as the case may be) notice of purchase pursuant to the foregoing Section 2.3(a)(iii)(B), the Agent may deliver notice to the Borrower that the Lenders are willing and able to purchase additional Notes and
provided that all conditions of such purchase set forth in Section 5.2 shall have been satisfied at the time thereof, whereupon such right to consummate a Permitted Redemption at a price equal to the Permitted Redemption
Amount excluding the Prepayment Premium shall automatically terminate, but the Borrower shall at all times thereafter retain the right to consummate a Permitted Redemption at a price equal to the Permitted Redemption Amount including the Prepayment
Premium (if applicable), which Permitted Redemption shall otherwise be made in accordance with the provisions of Section 2.3(a)(i) hereof. The provisions of this Section 2.3(a)(iii) set forth the exclusive rights and remedies of the
Credit Parties to seek or obtain damages or any other remedy or relief from the Agent or any Lender with respect to any Qualified Funding Failure.” 

(i)    Article 8 of the Financing Agreement is hereby amended by adding the following as Section 8.28: 

“Section 8.28    Additional Credit Facility. Notwithstanding any other
provision of this Financing Agreement or the Transaction Documents, including Sections 8.5, 8.6, 8.19 and 8.24 of the Financing Agreement, Elevate Credit Parent shall be

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 6 

 
permitted to create a new Subsidiary solely for the purpose establishing a new credit facility (the “New Credit Facility”) which shall be on terms consistent with those set forth
in that certain Elevate Credit, Inc. Elastic Asset-Backed Loan Facility Indicative Term Sheet dated as of April 4, 2017 or such other terms reasonably acceptable to Agent and, in each case with final documentation acceptable to Agent in its
reasonable discretion, including the following: 
 (i)    the New Credit Facility shall be a four-year
credit facility with a total principal amount of $100,000,000; 
 (ii)    Agent’s designee(s) shall
be co-lender for $25,000,000 of the principal amount of the New Credit Facility which shall be advanced proportionally on pro rata basis with the other unaffiliated lenders; 

(iii)    the interest rate payable to the lenders on the New Credit Facility shall be no less than the
London Interbank Offered Rate plus 10% per annum; 
 (iv)    after satisfaction of the condition
specified in Section 8.28(v), purchases of participation interests in Consumer Loans by (A) Borrower and (B) the new Subsidiary shall be at a ratio of 50%-50%; 

(v)    no borrowing or advance under the New Credit Facility in excess of $5,000,000 shall be permitted
until at least $25,000,000 of the Third Additional Notes have been issued and purchased; and 

(vi)    none of the collateral under the New Credit Facility shall include the Collateral.” 

(j)    The Schedule of Lenders attached to the Financing Agreement is hereby amended and replaced by Exhibit
I attached to this Amendment. 
 2.    Conditions Precedent. This Amendment shall become effective
upon the satisfaction in full of each of the following conditions: 
  

	 	(a)	the Borrower shall have executed and delivered, or caused to be delivered, to the Agent evidence satisfactory to the Agent that the Borrower shall pay to the Agent on the date hereof all fees and other amounts due and
owing thereon under this Amendment and the other Transaction Documents; 

  

	 	(b)	the representations and warranties of the Credit Parties contained herein and in the Financing Agreement shall be true and correct except to the extent such representations and warranties expressly relate to an earlier
date, in which case such representations and warranties shall be true and correct as of such earlier date; 

  

	 	(c)	each Guarantor shall deliver Exhibits A-1 and A-2 to the Security Agreement and an irrevocable proxy in a form satisfactory
to Agent for each Guarantor no later than ten (10) days following the date of this Amendment; and 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 7 

	 	(d)	no Event of Default shall have occurred and be continuing or would result from the transaction contemplated hereby. 

3.    General Release. In consideration of the Agent’s agreements contained in this Amendment, each
Credit Party hereby irrevocably releases and forever discharge the Lenders, the Holders and the Agent and their affiliates, subsidiaries, successors, assigns, directors, officers, employees, agents, consultants, attorneys, managers, investment
managers, principles and portfolio companies (each, a “Released Person”) of and from any and all claims, suits, actions, investigations, proceedings or demands, whether based in contract, tort, implied or express warranty, strict
liability, criminal or civil statute or common law of any kind or character, known or unknown, which such Credit Party ever had or now has against Agent, any Lender, any Holder or any other Released Person which relates, directly or indirectly, to
any acts or omissions of Agent, any Lender, any Holder or any other Released Person relating to the Financing Agreement or any other Transaction Document on or prior to the date hereof. 

4.    Representations and Warranties of the Credit Parties. To induce the Agent to execute and deliver this
Amendment, each Credit Party represents, warrants and covenants that: 
  

	 	(a)	The execution, delivery and performance by each Credit Party of this Amendment and all documents and instruments delivered in connection herewith have been duly authorized by all necessary action required on its part,
and this Amendment and all documents and instruments delivered in connection herewith are legal, valid and binding obligations of such Credit Party enforceable against such Credit Party in accordance with its terms except as such enforceability may
be limited by general principles of equity or applicable bankruptcy, insolvency, reorganization, moratorium, liquidation or similar laws relating to, or affecting generally, the enforcement of applicable creditors’ rights and remedies.

  

	 	(b)	Each of the representations and warranties set forth in the Transaction Documents is true and correct on and as of the date hereof as if made on the date hereof, except to the extent such representations and warranties
expressly relate to an earlier date, in which case such representations and warranties shall be true and correct as of such earlier date, and each of the agreements and covenants in the Transaction Documents is hereby reaffirmed with the same force
and effect as if each were separately stated herein and made as of the date hereof. 

  

	 	(c)	 Neither the execution, delivery and performance of this Amendment nor the consummation of the transactions
contemplated hereby or thereby does or shall (i) result in a violation of any Credit Party’s certificate of incorporation, certificate of formation, bylaws, limited liability company agreement or other governing documents, or the terms of
any Capital 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 8 

	 	
Stock or other Equity Interests of any Credit Party; (ii) conflict with, or constitute a breach or default (or an event which, with notice or lapse of time or both, would become a breach or
default) under, or give to others any rights of termination, amendment, acceleration or cancellation of, any agreement, indenture or instrument to which any Credit Party is a party; (iii) result in any “price reset” or other material
change in or other modification to the terms of any Indebtedness, Equity Interests or other securities of any Credit Party; or (iv) result in a violation of any law, rule, regulation, order, judgment or decree. 

 

	 	(d)	No Event of Default has occurred or is continuing under this Amendment or any other Transaction Document. 

5.    Ratification of Liability. Each Credit Party, as debtor, grantor, pledgor, guarantor, assignor, or in
other similar capacity in which such party grants liens or security interests in its properties or otherwise acts as an accommodation party or guarantor, as the case may be, under the Transaction Documents, hereby ratifies and reaffirms all of its
payment and performance obligations and obligations to indemnify, contingent or otherwise, under each Transaction Document to which such party is a party, and each such party hereby ratifies and reaffirms its grant of liens on or security interests
in its properties pursuant to such Transaction Documents to which it is a party as security for the obligations under or with respect to the Financing Agreement, the Notes and the other Transaction Documents, and confirms and agrees that such liens
and security interests hereafter secure all of the obligations under the Transaction Documents, including, without limitation, all additional obligations hereafter arising or incurred pursuant to or in connection with this Amendment or any
Transaction Document. Each Credit Party further agrees and reaffirms that the Transaction Documents to which it is a party now apply to all obligations as modified hereby (including, without limitation, all additional obligations hereafter arising
or incurred pursuant to or in connection with this Amendment or any Transaction Document). Each such party (a) further acknowledges receipt of a copy of this Amendment and all other agreements, documents, and instruments executed or delivered
in connection herewith, (b) consents to the terms and conditions of same, and (c) agrees and acknowledges that each of the Transaction Documents, as modified hereby, remains in full force and effect and is hereby ratified and confirmed.
Except as expressly provided herein, the execution of this Amendment shall not operate as a waiver of any right, power or remedy of any Lender, any Holder or the Agent, nor constitute a waiver of any provision of any of the Transaction Documents nor
constitute a novation of any of the obligations under the Transaction Documents. 
 6.    Reference to and Effect
Upon the Transaction Documents. 
  

	 	(a)	 Except as specifically amended hereby, all terms, conditions, covenants, representations and warranties contained
in the Transaction Documents, and all rights of the Lenders, the Holders and the Agent and all of the obligations under the Transaction Documents, shall remain in full force and effect, including, but not limited to, the right of first refusal in
favor of Agent and its designees set forth in Section 8.19 of the Financing 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 9 

	 	
Agreement. Each Credit Party hereby confirms that the Transaction Documents are in full force and effect, and that no Credit Party has any right of setoff, recoupment or other offset or any
defense, claim or counterclaim with respect to any Transaction Document or the Credit Parties’ obligations thereunder. 

  

	 	(b)	Except as expressly set forth herein, the execution, delivery and effectiveness of this Amendment and any consents or waivers set forth herein shall not directly or indirectly: (i) create any obligation to make any
further loans or to defer any enforcement action after the occurrence of any Event of Default; (ii) constitute a consent or waiver of any past, present or future violations of any Transaction Document; (iii) amend, modify or operate as a
waiver of any provision of any Transaction Document or any right, power or remedy of any Lender, any Holder or the Agent or (iv) constitute a course of dealing or other basis for altering any obligations under the Transaction Documents or any
other contract or instrument. Except as expressly set forth herein, each Lender, each Holder and the Agent reserve all of their rights, powers, and remedies under the Transaction Documents and applicable law. All of the provisions of the Transaction
Documents, including, without limitation, the time of the essence provisions, are hereby reiterated, and if ever waived previously, are hereby reinstated. 

  

	 	(c)	From and after the date hereof, (i) the term “Agreement” in the Financing Agreement, and all references to the Financing Agreement in any Transaction Document shall mean the Financing Agreement, as
amended by this Amendment and (ii) the term “Transaction Documents” defined in the Financing Agreement shall include, without limitation, this Amendment and any agreements, instruments and other documents executed or delivered in
connection herewith. 

 7.    Costs and Expenses. In addition to, and not in lieu of, the
terms of the Transaction Documents relating to the reimbursement of the Lenders’, the Holders’ and the Agent’s fees and expenses, the Credit Parties shall reimburse each Lender, each Holder and the Agent, as the case may be, promptly
on demand for all fees, costs, charges and expenses, including the fees, costs and expenses of counsel and other expenses incurred in connection with this Amendment. 

8.    Governing Law; Jurisdiction. All questions concerning the construction, validity, enforcement and
interpretation of this Amendment shall be governed by the internal laws of the State of New York, without giving effect to its conflicts of law principles other than §5-1401 and 5-1402 of the New York General Obligations Law. Each party hereby irrevocably submits to the exclusive jurisdiction of the state and federal courts sitting in New York, New York for the adjudication of any dispute
hereunder or in connection herewith or with any transaction contemplated hereby or discussed herein, and hereby irrevocably waives, and agrees not to assert in any suit, action or proceeding, any claim that it is not personally subject to the
jurisdiction of any such court, that such suit, action or proceeding is brought in an inconvenient forum or that 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 10 

 
the venue of such suit, action or proceeding is improper. Each party hereby irrevocably waives personal service of process and consents to process being served in any such suit, action or
proceeding by mailing a copy thereof to such party at the address for such notices to it under this Amendment and agrees that such service shall constitute good and sufficient service of process and notice thereof. Nothing contained herein shall be
deemed to limit in any way any right to serve process in any manner permitted by law. EACH PARTY HEREBY IRREVOCABLY WAIVES ANY RIGHT IT MAY HAVE, AND AGREES NOT TO REQUEST, A JURY TRIAL FOR THE ADJUDICATION OF ANY DISPUTE HEREUNDER OR IN CONNECTION
WITH OR ARISING OUT OF THIS AMENDMENT OR ANY TRANSACTIONS CONTEMPLATED HEREBY. 
 9.    No Strict
Construction. The language used in this Amendment will be deemed to be the language chosen by the parties to express their mutual intent, and no rules of strict construction will be applied against any party. 

10.    Counterparts. This Amendment may be executed in one or more counterparts, each of which shall be
deemed an original but all of which together shall constitute one and the same instrument. Signatures of the parties hereto transmitted by facsimile or by electronic media or similar means shall be deemed to be their original signature for all
purposes. 
 11.    Severability. The invalidity, illegality, or unenforceability of any provision in or
obligation under this Amendment in any jurisdiction shall not affect or impair the validity, legality, or enforceability of the remaining provisions or obligations under this Amendment or of such provision or obligation in any other jurisdiction. If
feasible, any such offending provision shall be deemed modified to be within the limits of enforceability or validity; provided that if the offending provision cannot be so modified, it shall be stricken and all other provisions of this
Amendment in all other respects shall remain valid and enforceable. 
 12.    Further Assurances. The
parties hereto shall do and perform, or cause to be done and performed, all such further acts and things, and shall execute and deliver all such other agreements, certificates, instruments and documents, as any other party may reasonably request in
order to carry out the intent and accomplish the purposes of this Amendment and the consummation of the transactions contemplated hereby. 

13.    Headings. The headings of this Amendment are for convenience of reference and shall not form part of,
or affect the interpretation of, this Amendment. 
 14.    Limited Recourse and
Non-Petition. 
 (a)    The Secured Parties shall have recourse only to
the proceeds of the realization of Collateral once the proceeds have been applied in accordance with the terms of the Pledge and Security Agreement (the “Net Proceeds”). If the Net Proceeds are insufficient to discharge all payments
which, but for the effect of this clause, would then be due (the “Amounts Due”), the obligation of the Borrower shall be limited to the amounts available from the Net Proceeds and no debt shall be owed to the Secured Parties by the
Borrower for any further sum. The Secured Parties shall not take any action or commence any proceedings against the Borrower to recover 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 11 

 
any amounts due and payable by the Borrower under the Financing Agreement except as expressly permitted by the provisions of the Financing Agreement. The Secured Parties shall not take any action
or commence any proceedings or petition a court for the liquidation of the Borrower, nor enter into any arrangement, reorganization or insolvency proceedings in relation to the Borrower whether under the laws of the Cayman Islands or other
applicable bankruptcy laws until after the later to occur of the payment of all of the Amounts Due or the application of all of the Net Proceeds. 

(b)    The Secured Parties hereby acknowledge and agree that the Borrower’s obligations under the Transaction
Documents are solely the corporate obligations of the Borrower, and that the Secured Parties shall not have any recourse against any of the directors, officers or employees of the Borrower for any claims, losses, damages, liabilities, indemnities or
other obligations whatsoever in connection with any transactions contemplated by the Transaction Documents. 
 [Remainder of Page
Intentionally Left Blank; Signature Pages Follows] 

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 
 12 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	BORROWER:
	
	ELASTIC SPV, LTD., an exempted company incorporated with limited liability under the laws of the Cayman Islands, as Borrower
		
	By:	 	 /s/ Andrew Dean

	Name:	 	Andrew Dean
	Title:	 	Director

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	GUARANTORS:
	
	ELEVATE CREDIT, INC., a Delaware corporation
		
	By:	 	 /s/ Kenneth E. Rees

	Name:	 	Kenneth E. Rees
	Title:	 	CEO

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	GUARANTORS (CONT.), EACH AS AN “ELEVATE CREDIT SUBSIDIARY”:
	
	ELASTIC FINANCIAL, LLC
	ELEVATE DECISION SCIENCES, LLC
	 RISE CREDIT, LLC

FINANCIAL EDUCATION, LLC

	ELEVATE CREDIT SERVICE, LLC
	RISE SPV, LLC
	
	By: Elevate Credit, Inc., as Sole Member of each of the above-named entities
		
	By:	 	 /s/ Kenneth E. Rees

	Name:	 	Kenneth E. Rees
	Title:	 	President
	
	RISE CREDIT SERVICE OF OHIO, LLC
	RISE CREDIT SERVICE OF TEXAS, LLC
	
	By: RISE Credit, LLC, as Sole Member of each of the above-named entities
	    By: Elevate Credit, Inc., as its Sole Member
		
	By:	 	 /s/ Kenneth E. Rees

	Name:	 	Kenneth E. Rees
	Title:	 	President

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	RISE FINANCIAL, LLC
	RISE CREDIT OF ALABAMA, LLC
	RISE CREDIT OF CALIFORNIA, LLC
	RISE CREDIT OF DELAWARE, LLC
	RISE CREDIT OF GEORGIA, LLC
	RISE CREDIT OF IDAHO, LLC
	RISE CREDIT OF KANSAS, LLC
	RISE CREDIT OF ILLINOIS, LLC
	RISE CREDIT OF MISSISSIPPI, LLC
	RISE CREDIT OF MISSOURI, LLC
	RISE CREDIT OF NEVADA, LLC
	RISE CREDIT OF NORTH DAKOTA, LLC
	RISE CREDIT OF SOUTH CAROLINA, LLC
	RISE CREDIT OF SOUTH DAKOTA, LLC
	RISE CREDIT OF UTAH, LLC
	RISE CREDIT OF VIRGINIA, LLC
	RISE CREDIT OF ARIZONA, LLC
	RISE CREDIT OF COLORADO, LLC
	RISE CREDIT OF MARYLAND, LLC
	RISE CREDIT OF OKLAHOMA, LLC
	RISE CREDIT OF NEBRASKA, LLC
	RISE CREDIT OF LOUISIANA, LLC
	RISE CREDIT OF TEXAS, LLC
	RISE CREDIT OF TENNESSEE, LLC
	
	By: RISE SPV, LLC, as Sole Member of each of the above-named entities
	       By: Elevate Credit, Inc., as its Sole Member
		
	By:	 	 /s/ Kenneth E. Rees

	Name:	 	Kenneth E. Rees
	Title:	 	President

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	ELASTIC@WORK, LLC
	ELEVATE@WORK ADMIN, LLC
	ELEVATE@WORK, LLC
	
	By: Elastic Financial, LLC, as Sole Member of each of the above-named entities
	       By: Elevate Credit, Inc., as its Sole Member
		
	By:	 	 /s/ Kenneth E. Rees

	Name:	 	Kenneth E. Rees
	Title:	 	President

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Amendment to be duly
executed as of the date first written above. 
  

			
	AGENT:
	
	VICTORY PARK MANAGEMENT, LLC
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	Authorized Signatory
	
	LENDERS:
	
	VPC INVESTOR FUND B, LLC
		
	By:	 	VPC Investor Fund GP B, L.P.
	Its:	 	Managing Member
		
	By:	 	VPC Investor Fund UGP B, LLC
	Its:	 	General Partner
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	General Counsel
	
	VPC SPECIALTY FINANCE FUND I, L.P.
		
	By:	 	VPC Specialty Finance Fund GP I, L.P.
	Its:	 	General Partner
		
	By:	 	VPC Specialty Finance Fund UGP I, LLC
	Its:	 	General Partner
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	General Counsel

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Agreement to be duly
executed as of the date first written above. 
  

			
	LENDERS (CON’T.):
	
	VPC ONSHORE SPECIALTY FINANCE FUND II, L.P.
	
	By: Victory Park Capital Advisors, LLC
	Its: Investment Manager
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	General Counsel
	
	VPC INVESTOR FUND A, L.P.
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	Authorized Signatory
	
	VPC INVESTOR FUND C, L.P.
		
	By:	 	VPC Investor Fund GP C, L.P.
	Its:	 	General Partner
		
	By:	 	VPC Investor Fund UGP C, LLC
	Its:	 	General Partner
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	General Counsel
	
	VPC INVESTOR FUND G-1, L.P.
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	Authorized Signatory

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 IN WITNESS WHEREOF, each party has caused its signature page to this Agreement to be duly
executed as of the date first written above. 
  

			
	
	LENDERS (CON’T.):
	
	VPC SPECIALTY LENDING FUND (NE), LTD.
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	Authorized Signatory
	
	VPC SPECIALTY LENDING INVESTMENTS PLC
		
	By:	 	Victory Park Capital Advisors, LLC
	Its:	 	Investment Manager
		
	By:	 	 /s/ Scott R. Zemnick

	Name:	 	Scott R. Zemnick
	Title:	 	General Counsel

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

 EXHIBIT I 

SCHEDULE OF LENDERS 
  

							
	 (1)

Lender
	  	 (2)

Address and Facsimile Number
	 	 (3)
Commitment

to Purchase

Notes:
	  	 (5)

Legal Representative’s Address and

Facsimile Number

	VPC ONSHORE SPECIALTY FINANCE FUND II, L.P.	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R. Grossmann

                          
Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC SPECIALTY FINANCE FUND I, L.P.	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC INVESTOR FUND A, L.P.	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC INVESTOR FUND B, LLC	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. 

							
	 (1)

Lender
	  	 (2)

Address and Facsimile Number
	 	 (3)
Commitment

to Purchase

Notes:
	  	 (5)

Legal Representative’s Address and

Facsimile Number

	VPC INVESTOR FUND C, L.P.	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC INVESTOR FUND G-1, L.P.	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC SPECIALTY LENDING INVESTMENTS PLC	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
	VPC SPECIALTY LENDING FUND (NE), LTD	  	227 W. Monroe Street
Suite 3900
Chicago, IL 60606
Telephone: 312.705.2786
Facsimile: 312.701.0794
Attention: Scott R. Zemnick
E-mail: szemnick@vpcadvisors.com	 	[****]	  	 Katten Muchin Rosenman LLP
525 West Monroe Street
Chicago, IL 60661
Telephone:        (312) 902-5297
                          (312)
902-5495
Facsimile:         (312) 577-8964

                          
(312) 577-8854
Attention:          Mark R.
Grossmann
                          Scott E.
Lyons
E-mail:              mg@kattenlaw.com
             
             scott.lyons@kattenlaw.com

				
		  		 	 Aggregate Commitment to Purchase Notes:

$250,000,000
	  	

  
 [****] = CERTAIN CONFIDENTIAL
INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 24b-2 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00270-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00270-of-00352.parquet"}]]