Document:

10K Ex. 10.31

Exhibit 10.31
EXECUTIVE OFFICERS

CORP, INC.
 RESTRICTED STOCK UNIT AWARD
Award Summary
Recipient    [NAME OF EXECUTIVE OFFICER]
Employee No.    [XXX-XX-XXXX]
Award Identification No.    [XXXXXXXXX]
Date of Award    February 18, 2014
Number of Units (Total)    [NUMBER OF UNITS]
Vesting Schedule*    Number    Date
XXXX    October 1, 2014
XXXX    October 1, 2015
XXXX    October 1, 2016
		
	*
	Subject to the Performance Goals described in Exhibit A.

EZCORP, Inc., a Delaware corporation (the “Company”), is pleased to award you Restricted Stock Units, subject to the “Standard Terms and Conditions” attached to this Award Summary (the “Term and Conditions”).  This Award Summary, together with the Terms and Conditions, shall constitute the Award Agreement with regard to the award of Restricted Stock Units described herein.
As provided in the Terms and Conditions, this award of Restricted Stock Units will not be effective until you have accepted the award, and acknowledged and agreed to the terms and conditions set forth in the Award Agreement, by executing this Award Summary in the space provided below and returning it to the Company’s Stock Plan Administrator, 1901 Capital Parkway, Austin, Texas 78746, Attention:  Laura Jones.
Awarded subject to the terms and conditions stated above:
EZCORP, INC.

By:         
     Anthony Sanders,
Senior Vice President - Human Resources

I hereby accept the Award described herein and acknowledge and agree to the terms and conditions set forth in the Award Agreement:

Date:        
[NAME OF EXECUTIVE OFFICER]
EXECUTIVE OFFICERS

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EXHIBIT A

This Exhibit constitutes a part of the Award Summary to which it is attached, and is hereby incorporated into such Award Summary.

PERFORMANCE GOALS

[Description of specific performance goals]

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EZCORP, INC.
RESTRICTED STOCK UNIT AWARD
Standard Term and Conditions
The Award described below is made under the EZCORP, Inc. 2010 Long-Term Incentive Plan (the “Plan”) and is governed by the terms of the Plan in addition to the terms and conditions stated in the Award Agreement referred to below.  A copy of the Plan is available from the Company’s Stock Plan Administration Department.  Unless otherwise defined, all capitalized terms used herein shall have the respective meanings described in the Plan.
The following terms and conditions apply to the award of Restricted Stock Units made on or about February 15, 2014 by EZCORP, Inc., a Delaware corporation (the “Company”), to any employee of the Company or any Subsidiary of the Company.  The recipient of an Award, the date of the Award and the number of Units awarded are set forth in an Award Summary that has been duly executed and issued by the Company and appropriately acknowledged and accepted by the recipient (the “Award Summary”).  That Award Summary, together with these term and conditions, shall constitute the Award Agreement with regard to the Award.  As used herein, the term “you” (and derivatives thereof) refers to the recipient of the Award, and the term “Units” refers to the Restricted Stock Units that are subject to the Award.
		
	1.
	General - As a material inducement to the Company to make this Award, you agree that the following terms and conditions shall apply to this Award, that you are not otherwise entitled to this Award, that the Company is providing this Award in consideration for your promises and agreements below and that the Company would not grant this Award absent those promises and agreements.

Each Unit awarded to you represents your right to receive one share of Stock on the applicable vesting date, subject to the terms and conditions described herein.
		
	2.
	Vesting - Subject to the terms and conditions of this Agreement, the Units will vest in accordance with the Vesting Schedule set forth in the applicable Award Summary.  Notwithstanding that Vesting Schedule, if your Employment is terminated by reason of your death or Permanent Disability, all Units will vest immediately and automatically upon such termination of Employment.

		
	3.
	Transfer Restrictions and Expiration - You may not sell, assign, transfer, pledge or otherwise dispose of any Unit.  You may sell, assign, transfer, pledge or otherwise dispose of the underlying share of Stock only after you have received that share upon vesting of related Unit (if the Unit is settled in Stock).

If your Employment (as defined below) terminates for any reason other than your death or Permanent Disability, any Unit that has not vested will expire at that time, and your right to receive any consideration for such Unit (whether Stock or cash) will terminate, without any payment of consideration by the Company.
As used herein, the term “Employment” means your regular full-time or part-time employment with the Company or any of its Subsidiaries, and the term “Employer” means the Company (if you are employed by the Company) or the Subsidiary of the Company that employs you.
		
	4.
	Rights as a Stockholder - You will have no rights as a stockholder with respect to the Units awarded pursuant to this Award (including rights to dividends or dividend equivalent payments and rights to vote) until the Units have vested and the Stock underlying those Units has been actually been issued and registered in your name on the books of the Company’s transfer agent.

		
	5.
	Settlement - Notwithstanding anything to the contrary herein and subject to Paragraph 6 below, as soon as practicable after the date on which the Units have vested, the Company, at its option and in its sole and absolute discretion, shall, for each vested Unit, either (a) issue to you a share of Stock or (b) deliver to you an amount in cash equal to the Fair Market Value of a share of Stock on the vesting date.    

To the extent that the Company chooses to settle the Units in Stock, the Company will issue the underlying Stock in your name in the form of an entry into a share memo account with the Company’s stock transfer agent. At any time thereafter, you (or, in the case of your death or Permanent Disability, your legal representatives) shall have the right to have such Stock certificated and transferred in accordance with the transfer agent’s procedures generally applicable to all stockholders.

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	6.
	Agreement With Respect to Taxes - You must pay any taxes that are required to be withheld by the Company or your Employer as a result of the granting or settlement of this Award.  You may pay such amounts in cash or make other arrangements satisfactory to the Company or your Employer for the payment of such amounts.  You agree that the Company and your Employer, at their sole discretion and to the fullest extent permitted by law, shall have the right to (a) demand that you pay such amounts in cash, (b) deduct such amounts from any payments of any kind otherwise due to you or (c) withhold or deduct from Stock or cash to which you would otherwise be entitled the number of shares of Stock, or amount of cash, having an aggregate Fair Market Value at that time equal to the amount you owe.  If the Units are settled in Stock and the Company and your Employer, in their sole discretion, determine that your obligations will not be satisfied under the methods described in this Paragraph, you hereby authorize the Company (or its agent) to sell a portion of the Stock that is issued in satisfaction of the Units, which the Company determines as having at least the market value sufficient to meet your obligations (plus additional shares to account for rounding and market fluctuations), and use the net proceeds of such sale to satisfy your obligations.  Any such shares may be sold as part of a block trade for the collective benefit of you and other participants, with all such participants receiving an average price.

		
	7.
	Leaves of Absence - If you take a leave of absence from active Employment that has been approved by your Employer or is one to which you are legally entitled regardless of such approval, the following provisions will apply:

		
	(a)
	Vesting During Leave - Notwithstanding the Vesting Schedule set forth in the Award Summary, no Units will vest during a leave of absence lasting more than 30 days, unless such leave of absence is an approved medical, FMLA or military leave.  The vesting that would have otherwise occurred during a leave of absence lasting more than 30 days (other than an approved medical, FMLA or military leave) will be deferred by the number of days you are on leave of absence.  For example, if Units are scheduled to vest on October 1, 2014 and you take a 60-day leave of absence, the vesting will be deferred to November 30, 2014.

		
	(b)
	Effect of Termination During Leave - If your Employment is terminated while you are on a leave of absence, the Units will vest or expire in accordance with the terms stated in Paragraphs 2 and 3.

		
	8.
	Return of Share or Cash Value - By accepting this Award, you agree that if the Company determines that you engaged in “Conduct Detrimental to the Company” (as defined below) during your Employment or during the one-year period following the termination of your Employment, you shall be required, upon demand, to return to the Company, in the form of a cash payment, the “Returnable Value.”  For this purpose, “Returnable Value” means the total Fair Market Value of all Stock that was issued to you, or the total amount of cash that was delivered to you, pursuant to this Award (including any Stock that was withheld or sold, or any cash that was withheld, to satisfy your obligations under Paragraph 6), determined as of the date such Stock was issued, or such cash was delivered, to you.  The payment of the Returnable Value shall be in addition to and separate from any other relief or remedies available to the Company due to your Conduct Detrimental to the Company.

For purposes of this Agreement, you will be considered to have engaged in “Conduct Detrimental to the Company” if (a) you engage in serious misconduct (whether or not such serious misconduct is discovered by the Company prior to the termination of your Employment) or (b) you violate the terms of the Protection of Sensitive Information, Noncompetition and Nonsolicitation Agreement between you and the Company, the terms and provisions of which you hereby acknowledge and reaffirm.
		
	9.
	Trading Restrictions - The Company may establish periods from time to time during which your ability to engage in transactions involving the Stock is subject to specified restrictions (“Restricted Periods”).  If the Units vest during a Restricted Period and are settled in Stock, then you may not be able to sell such Stock (either to satisfy tax withholding obligations or otherwise) unless you have made irrevocable arrangements to do so outside of any Restricted Period.  You may be subject to a Restricted Period for any reason that the Company determines appropriate, including Restricted Periods generally applicable to employees or groups of employees or Restricted Periods applicable to you during an investigation of allegations of misconduct or Conduct Detrimental to the Company by you.

		
	10.
	Prospectus - You may obtain a copy of the prospectus related to the Stock underlying the Units free of charge by making a request to the Company’s Stock Plan Administration Department:

Address - 1901 Capital Parkway, Austin, Texas 78746, Attention:  Laura Jones
Telephone - (512) 314-3465
E-mail - Stock_Plan_Administrator@ezcorp.com
		
	11.
	Notice - You agree that notices regarding this Award may be given to you in writing either at your home address as shown in the records of the Company, or by electronic transmission (including e-mail or reference to a website or other URL) sent to you through the Company's normal process for communicating electronically with its employees.

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	12.
	Special Acknowledgements - By accepting this Award, you expressly acknowledge the following:

		
	•
	Unless you have a written employment agreement, your Employment is “at will,” and this Award does not alter that relationship in any way and does not confer upon you any right to expectation of employment by, or to continue in the employment of, your Employer.  If you have a written employment agreement, this Award shall not be deemed to in any manner enlarge your rights, or diminish your Employer’s rights, under such employment agreement.

		
	•
	The Plan is discretionary in nature and may be suspended or terminated by the Company at any time.

		
	•
	This Award is a one-time benefit that does not create any contractual or other right to receive future Awards or benefits in lieu of Awards.

		
	•
	All determinations with respect to future Awards, if any, including the award date, the nature and size of the Award and the vesting dates, will be at the sole discretion of the Company.

		
	•
	Your participation in the Plan, and your acceptance of this Award, is entirely voluntary.

		
	•
	The value of this Award is an extraordinary item of compensation, is not part of normal or expected compensation for any purpose and is not to be used for purposes of calculating any severance, resignation, redundancy, end of service payments, bonuses, long-service awards, pension or retirement benefits or similar payments, and you waive any claim on such basis.

		
	•
	The grant of an equity-based interest in the Company (represented by this Award) gives rise to the Company’s need (on behalf of itself and its stockholders) to protect itself from Conduct Detrimental to the Company, and your promises and agreements described in Paragraph 8 are designed to protect the Company and its stockholders from Conduct Detrimental to the Company.

		
	•
	Vesting of Units ceases upon termination of Employment for any reason, except as may otherwise be explicitly provided in the Award Agreement or the Plan.

		
	•
	The future value of the Units (and the Stock that may be issued pursuant to this Award) is unknown and cannot be predicted with certainty.

		
	•
	You understand, acknowledge and agree that you will have no rights to compensation or damages related to this Award (or any Stock that may be issued pursuant to this Award) as a consequence of the termination of your Employment for any reason whatsoever and whether or not in breach of contract.

		
	13.
	Data Privacy Consent - As a condition to Company’s making this Award, you consent to the collection, use and transfer of personal data as described in this Paragraph.  You understand that the Company and its Subsidiaries hold certain personal information about you, including your name, home address and telephone number, date of birth, social security number, salary, nationality, job title, any ownership interests or directorships held in the Company or its Subsidiaries and details of all Awards made or cancelled (collectively, “Data”).  You further understand that the Company and its Subsidiaries will transfer Data among themselves as necessary for the purposes of implementation, administration and management of your participation in the Plan, and that the Company and any of its Subsidiaries may each further transfer Data to any third parties assisting the Company in the implementation, administration and management of the Plan.  You understand that these recipients may be located in the United States of America, the European Economic Area or elsewhere.  You authorize them to receive, possess, use, retain and transfer such Data as may be required for the administration of the Plan or the subsequent holding of Stock on your behalf, in electronic or other form, for the purposes of implementing, administering and managing your participation in the Plan, including any requisite transfer to a broker or other third party with whom you may elect to deposit any shares of Stock acquired under the Plan.  You understand that you may, at any time, view such Data or require any necessary amendments to it.

		
	14.
	Governing Law and Venue - This Award Agreement and the Plan shall be governed by, and construed in accordance with, the laws of the State of Delaware, United States of America.  The venue for any and all disputes arising out of or in connection with this Agreement shall be Travis County, Texas, United States of America, and the courts sitting exclusively in Travis County, Texas, United States of America shall have exclusive jurisdiction to adjudicate such disputes.  Each party hereby expressly consents to the exercise of jurisdiction by such courts and hereby irrevocably and unconditionally waives, to the fullest extent it may legally and effectively do so, any objection that it may now or hereafter have to such laying of venue (including the defense of inconvenient forum).

		
	15.
	Effect of Invalid Provisions - If any of the terms or conditions set forth in the Award Agreement are determined by a court of competent jurisdiction to be unenforceable, any Units that have not vested as described above will expire at that time and you agree to return to the Company the Returnable Value (as defined in Paragraph 8) with respect to this Award.

		
	16.
	Acceptance of Terms and Conditions - This Award will not be effective until you have accepted the Award and acknowledged and agreed to the terms and conditions set forth in the Award Agreement in the manner prescribed by the Company.  Failure to accept the Award prior to the first vesting date will result in immediate and automatic expiration and cancellation of the Award.

510K Ex. 10.35

Exhibit 10.35

SEPARATION AGREEMENT AND RELEASE

This Separation Agreement and Release (this “Agreement”), dated September 12, 2014, sets forth the mutual agreement of EZCORP, Inc., a Delaware corporation, for itself and its subsidiaries and affiliates (collectively, the “Company”), and Barry W. Guest (“Executive”) regarding Executive’s separation from employment with EZCORP.
		
	1.
	Termination of Employment - The Company and Executive acknowledge that Executive’s employment with the Company, and his position as President, Pawn and CCV North Americas, shall terminate effective September 12, 2014 (the “Termination Date”).

		
	2.
	Severance Payments - As severance, the Company shall pay Executive an amount equal to the amount of salary that it would have paid to Executive had Executive remained an employee of the Company through September 12, 2015.  Such amount shall be paid in the increments and at the times that such salary would have been paid and shall assume that Executive’s current rate of salary would have continued through September 12, 2015.

Notwithstanding the foregoing, if, before September 12, 2015, Executive obtains other full or part-time employment or engagement as a consultant, advisor or independent contractor, the Company shall only be obligated to pay Executive an amount equal to the excess, if any, of (a) the amount that it would have otherwise paid to Executive pursuant to this Paragraph 2, less (b) the gross amount of compensation that Executive earns through such employment or engagement.  Executive shall be required to notify the Company promptly upon obtaining such employment or engagement, and failure to do so shall constitute a breach of this agreement and shall entitle the Company to cease any and all payments hereunder and to recoup any payments previously made after the date on which Executive obtained such employment or engagement.  Such amount shall be paid in equal installments at the times that Executive’s Company salary would have been paid and only if Executive furnishes the Company with evidence reasonably satisfactory to the Company of the compensation associated with such employment or engagement.
In addition, the Company will make an incremental cash payment to Executive in the amount of $50,000, such payment to be made as soon as practicable following the end of the revocation period described in Paragraph 15 below.
All payments pursuant to this Paragraph 2 shall be subject to applicable tax and other withholdings.
Notwithstanding any other provision of this Paragraph 2, no amounts shall be paid prior to the end of the revocation period described in Paragraph 15 below, and any amounts that would otherwise have been paid prior to the end of such revocation period shall be paid as soon as practicable after the end of such revocation period.
Executive agrees that the payments described in Paragraph 2 satisfy the Company’s obligations to pay severance or other compensation to Executive, and acknowledges that such payments constitute adequate and sufficient consideration for the release described in Paragraph 5, as well as the other covenants and agreements made by Executive in this Agreement.  Executive also acknowledges that, except as expressly set forth in this Agreement or in the Company’s stock or benefit plans, Executive is not entitled to receive from the Company the payment or distribution of any amounts of pay, bonus, benefits, cash, stock, stock options or other type of property.
		
	3.
	Treatment of Executive’s Benefits and Restricted Stock -

		
	(a)
	Executive understands and agrees that balances or vested balances he has in any Company benefit plan will be available to him consistent with applicable laws, regulations and the administrative provisions of the various plan documents.

		
	(b)
	The Company and Employee acknowledge that:

		
	(i)
	On October 3, 2011, Executive was granted 24,700 shares of restricted stock, 16,466 shares of which have vested and 8,234 shares of which will remain unvested as of the Termination Date and, pursuant to the terms of the applicable award agreement, will be forfeited as of that date;

		
	(ii)
	On January 1, 2013, Executive was granted 23,000 shares of restricted stock, 7,667 shares of which have vested and 15,333 shares of which will remain unvested as of the Termination Date and, pursuant to the terms of the applicable award agreement, will be forfeited as of that date; and

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	(iii)
	On February 18, 2014, Executive was granted 34,400 Restricted Stock Units, all of which will remain unvested as of the Termination Date and, pursuant to the terms of the applicable award agreement, will be forfeited as of that date.  

		
	4.
	COBRA Benefits - Upon the termination of his employment with the Company, Executive will be eligible for continuation of certain medical benefits under COBRA, at his option and his expense, as provided by law.

		
	5.
	Complete Release - Executive hereby fully releases the Company and all of its owners, partners, shareholders, predecessors, successors, assigns, agents, directors, officers, employees, representatives, attorneys, subsidiaries, joint ventures and affiliates, and agents, directors, officers, employees, representatives and attorneys of such subsidiaries and affiliates (collectively, the “Released Parties”), from any and all known or unknown claims or demands Executive may have against any of them.  Executive expressly waives and opts out of all claims, whether asserted on an individual or class action basis, against any Released Party arising out of any contract, express or implied, any covenant of good faith and fair dealing, express or implied, any tort (whether intentional or negligent, including claims arising out of the negligence or gross negligence of any Released Party and claims of express or implied defamation by any Released Party), and any federal, state or other governmental statute, regulation or ordinance, including those relating to employment discrimination, termination of employment, payment of wages or provision of benefits, Title VII of the Civil Rights Act of 1964, the Civil Rights Act of 1991, the Americans with Disabilities Act, the Employee Retirement Income Security Act, the Family and Medical Leave Act, the Fair Labor Standards Act, the Age Discrimination in Employment Act and the Occupational Safety and Health Act.  Executive represents that he has not assigned to any other person any of such claims and that he has the full right to grant this release.  Notwithstanding any other provision herein, Executive and the Company agree that Executive is not waiving any claims that may arise under the Age Discrimination in Employment Act after this Agreement is executed, any claim for benefits under the Company’s health and welfare or other benefit plans or any future claims based on the Company’s obligations and agreements set forth in this Agreement.

Executive further agrees that he will not voluntarily become a party to, or directly or indirectly aid or encourage any other party in connection with, any lawsuit, claim, demand or adversarial proceeding of any kind involving the Company or any of the Released Parties that relates in any material way to his employment with the Company or that is based on facts about which Executive obtained personal knowledge while employed with the Company.  Executive’s compliance with a subpoena or other legally compulsive process will not be a violation of this provision.
		
	6.
	Non-Admission of Liability - Executive and the Company understand and agree that they are entering into this Agreement to, among other things, resolve any claims or differences that may exist between them.  By entering into this Agreement neither Executive nor the Company admits any liability or wrongdoing.

		
	7.
	Return of Company Documents and Property - Executive agrees that, on the Termination Date or as soon as practicable thereafter, he will return to the Company any and all documents relating to the Company or its business operations (and any and all copies thereof, whether in paper form or electronic form), computer equipment, badges, credit cards and any other Company property in his possession or control.  Executive agrees that he will not take any such documents or property from the control or premises of the Company and that if, at any time after the Termination Date, he should come into possession of any such documents or property, he will return such documents or property to the Company immediately.

		
	8.
	Proprietary Information, Non-Competition and Non-Solicitation - The parties acknowledge that, pursuant to the Protection of Sensitive Information, Noncompetition and Nonsolicitation Agreement, effective August 9, 2011, between Executive and the Company (the “Restrictive Agreement”), Executive is subject to various obligations regarding (a) the protection and non-disclosure of the Company’s confidential, sensitive and proprietary information, (b) competition with the Company, (c) solicitation of the Company’s customers, suppliers and vendors and (d) solicitation of the Company’s employees.  The Company agrees that the Restrictive Agreement is hereby modified to eliminate Executive's obligations regarding competition with the Company, as described in Paragraph 3 of the Restrictive Agreement.    Executive hereby affirms the obligations set forth in the Restrictive Agreement (modified as described in this Paragraph 8) and acknowledges that such provisions (as so modified) shall remain in full force and effect in accordance with their terms.  Moreover, Executive hereby represents and warrants that he will comply with the terms of the Restrictive Agreement (modified as described in this Paragraph 8).

		
	9.
	Non-Disparagement - Executive agrees that, except as may be required by law or court order, he will not, directly or indirectly, make any statement, oral or written, or perform any act or omission that is or could be detrimental in any material respect to the reputation or goodwill of the Company or any other person or entity released herein.  Further, the Company agrees that, except as may be required by law or court order, it will not, directly or indirectly, make any statement, oral or written, or perform any act or omission which is or could be detrimental in any material respect to the reputation or goodwill of Executive.  The parties agree and understand that the Company’s obligations under this Paragraph extend only to the members of the Company’s Board of Directors, the Executive Officers of the Company and any employee of 

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the Company who has been authorized by an Executive Officer to communicate, or perform any act or omission, on behalf of the Company with respect to Executive.  The parties further agree that truthful statements made in connection with legal proceedings will not violate this provision.
		
	10.
	Non-Contact; Cooperation - Executive agrees that, following the termination of his employment with the Company:

		
	(a)
	Unless specifically requested or authorized by the Company’s Chief Executive Officer, Executive will not engage in any form of communication (whether initiated by Executive or others) with investors or potential investors, commercial bankers or other lenders, financial or industry analysts, investment bankers, or auditors or other financial professionals regarding the Company, the Company’s business or any aspect of Executive’s employment with the Company;

		
	(b)
	Unless specifically requested or authorized by the Company’s Chief Executive Officer, Executive will not contact any employee of the Company regarding the Company’s business or any aspect of Executive’s or such employee’s employment with the Company; and

		
	(c)
	Executive will cooperate with the Company, to the extent and as requested by the Company’s Chief Executive Office, in transitioning the management of the Company’s Pawn and CCV North Americas business to new management. 

		
	11.
	Applicable Law and Venue - THIS AGREEMENT SHALL BE INTERPRETED IN ALL RESPECTS BY THE INTERNAL LAWS OF THE STATE OF TEXAS, AND THE VENUE FOR THE RESOLUTION OF ANY DISPUTES (LOCATION OF ANY LAWSUIT) SHALL BE SOLELY IN THE STATE AND FEDERAL COURTS OF TRAVIS COUNTY, TEXAS. 

		
	12.
	Severability - The fact that one or more Paragraphs (or portion thereof) of this Agreement may be deemed invalid or unenforceable by any court shall not invalidate the remaining Paragraphs or portions of such Paragraphs of this Agreement.

		
	13.
	Entire Agreement; Amendments - This Agreement constitutes the entire agreement between Executive and the Company, and supersedes all prior oral or written negotiations and agreements with the Company, concerning the subject matter hereof; provided however, that as noted in Paragraph 8 above, the provisions of the Restrictive Agreement shall remain in full force and effect in accordance with its terms (modified as described in Paragraph 8 above), and Executive shall remain subject to the obligations set forth therein (as so modified).  Executive understands and acknowledges that any breach of this Agreement or Executive’s continuing obligations under the Restrictive Agreement (modified as described in Paragraph 8) will entitle the Company to cease making the payments described in Paragraph 2 above, and recover any such payments previously made, in addition to any other remedies that may be available to the Company.  This Agreement may not be amended or modified except by a written agreement signed by Executive and the Company’s Chief Executive Officer.

		
	14.
	Certain Acknowledgments - Executive acknowledges (a) that he has carefully read this Agreement and is signing it voluntarily with full knowledge of its contents, (b) that he has been advised by counsel to the extent he deems necessary, appropriate or desirable and (c) that he understands and accepts all the terms of this Agreement.

		
	15.
	Consideration and Revocation Periods - Executive may take up to 21 days to consider this Agreement.  Executive may use as much or as little of this period as he chooses before signing this Agreement.  Executive is advised to consult with an attorney before signing this Agreement.  If Executive accepts this Agreement, he must sign it and return it to the Company’s General Counsel on or before the expiration of the 21-day period referred to above or the Company’s withdrawal of the offer contained in this Agreement.  By signing this Agreement, Executive acknowledges that he was afforded a period of at least 21 days from the date the Company’s proposal was presented to him in which to consider it.  Executive understands that any changes that the parties agree to make to this Agreement after it has been presented to him, whether such changes are material or non-material, will not extend the amount of time Executive has to consider the agreement.  In addition, Executive has a period of seven days within which to revoke this Agreement after signing it.  To revoke this Agreement, Executive must notify the Company’s General Counsel of revocation in writing within seven days from the date Executive signed this Agreement.

In order for this Agreement to become effective, Executive must sign this Agreement in the space provided below and return it to the Company’s General Counsel on or before the close of business on October 3, 2014.  If the Company has not received a signed copy of this Agreement by that time, the offer reflected in this Agreement will automatically terminate and expire without further notice from the Company.

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EZCORP, INC.

Date:    Sept 12 2014                        By:    /s/ Mark Kuchenrither                                            Mark Kuchenrither
President and Chief Executive Officer

Date:    9/26/14                                /s/ Barry W. Guest    
Barry W. Guest

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