Document:

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                                                                   EXHIBIT 10.97

                CREDIT SERVICES AND LOAN ADMINISTRATION AGREEMENT
                                      TEXAS

     THIS CREDIT SERVICES AND LOAN ADMINISTRATION AGREEMENT (the "Agreement") is
made and entered into as of this 11th day of April, 2006, by and between NCP
FINANCE LIMITED PARTNERSHIP, an Ohio limited partnership ("Lender"), and TEXAS
EZPAWN, L.P., a Texas limited partnership ("CSO").

                                    RECITALS

          WHEREAS, the parties desire to enter into this Agreement for the
     purpose of setting forth the terms and conditions which will govern certain
     business activities and transactions to be provided by CSO and Lender to
     Borrowers (as defined below) and prospective Borrowers seeking credit
     services and loans.

          WHEREAS, CSO has developed a credit services program pursuant to
     Chapter 393 of the Texas Finance Code under which CSO will provide credit
     services including but not limited to assisting Borrowers in obtaining
     loans. Lender makes unsecured loans to Borrowers at an interest rate not to
     exceed 10% per annum pursuant to Chapter 302 of the Texas Finance Code. The
     CSO desires to offer its CSO Program to Borrowers who may be interested in
     the Loan Program. The duties and obligations of the CSO and Lender relating
     to the CSO Program and the Loan Program are set forth herein.

     NOW, THEREFORE, in consideration of the mutual promises set forth herein
and for other good and valuable consideration, Lender and CSO agree as follows:

     1. Definitions. Except as may be explicitly stated otherwise herein, the
following terms shall have the following meanings ascribed to them below:

          "Advertising Materials" means all materials and methods used by CSO in
the performance of its marketing and promotion obligations under this Agreement,
including, without limitation, brochures, letters, print advertisements, the
Internet, television and radio communications and other advertising, promotional
and similar materials.

          "Borrowers" mean those persons who are borrowers with respect to the
Loans.

          "CSO Program" means the credit services program of CSO for providing
credit services to Borrowers, including the issuance of a letter of credit on
behalf of each Borrower to enhance their credit for Loans and brokering Loans
for Borrowers to Lender pursuant to this Agreement and to the Program Guidelines
in the State of Texas.

          "Loans" mean small, short-term, unsecured consumer loans with an
interest rate not to exceed 10% per annum made by Lender pursuant to this
Agreement with the assistance of CSO pursuant to the Program Guidelines to
consumers in the State of Texas.

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          "Loan Program" means the lending program of Lender for the origination
and consummation of Loans pursuant to this Agreement.

          "Program Guidelines" means those guidelines established pursuant to
Section 7 below for the administration of the CSO Program and the Loan Program.

          "Program Materials" means all promissory notes, documents, and
materials and methods used in connection with the performance of the parties'
obligations under this Agreement, including without limitation applications,
disclosures and agreements required by the Rules, promissory notes, privacy
policies, collection materials, and the like, but excluding Advertising
Materials.

          "Regulatory Authorities" means any local, state, or federal regulatory
authority having jurisdiction or exercising regulatory or similar oversight with
respect to Lender, CSO, or Third Party Service Providers (except that nothing
herein shall be deemed to constitute an acknowledgement by any party hereto that
any Regulatory Authority has jurisdiction or exercises regulatory or similar
oversight with respect to the Loans, the CSO Program and/or the Loan Program or
any party hereto with respect to the performance of their respective obligations
hereunder).

          "Rules" means all local, state, and federal statutes, regulations, or
ordinances applicable to the acts of Lender, CSO, or a Third Party Service
Provider as they relate to the CSO Program and/or the Loan Program; any order,
decision, injunction, or similar pronouncement of any court, tribunal, or
arbitration panel issued with respect to Lender, CSO, or a Third Party Service
Provider in connection with this Agreement or the CSO Program and/or the Loan
Program; and any regulations, policy statements, and any similar pronouncement
of a Regulatory Authority applicable to the acts of Lender, CSO, or a Third
Party Service Provider as they relate to this Agreement or the CSO Program and
the Loan Program, if any.

          "Third Party Service Provider" means any contractor or service
provider directly or indirectly retained by Lender or CSO, who provides or
renders services in connection with the CSO Program and/or the Loan Program.

     2. General Description of the Loan Program and the CSO Program.

          (a) Loan Program. The parties agree that the Loan Program shall
consist of the origination, funding, and collection of Loans in accordance with
the Program Guidelines to Borrowers at such locations in the State of Texas as
CSO may designate from time to time. The parties agree that Lender shall have
sole responsibility for establishing credit and underwriting criteria for the
Loans, making the decisions as to whether or not to make Loans to prospective
Borrowers, funding the Loans, and, subject to the timely performance of CSO's
obligations hereunder, managing the Loan Program in accordance with Lender's
express obligations under this Agreement and the Program Guidelines. Except as
expressly provided below, (a) nothing herein shall be deemed to commit Lender to
originate or fund any particular level or number of Loans, and (b) Lender makes
no representation as to the amount of funding it will be able to raise for the
Loans; provided, however, Lender hereby commits that it will

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have no less than $15,000,000 available to fund Loans that satisfy the Lender's
underwriting criteria for making such Loans.

          (b) CSO Program. The parties agree that CSO's responsibility under the
CSO Program shall be to act as a "credit services organization" (as defined
under Chapter 393 of the Texas Finance Code) on behalf of consumers in
accordance with the laws of the State of Texas and as such CSO shall have the
right to charge each Borrower a fee (a "CSO Fee") for providing credit services
to and brokering a Loan on behalf of such Borrower. CSO shall not share with
Lender, and Lender shall not accept, any portion of any CSO Fee obtained from a
Borrower. The services CSO provides to each Borrower shall be governed by a
Credit Services Disclosure Statement ("CSO Disclosure Statement") and a Credit
Services Agreement between CSO and each Borrower (each a "CSO Contract"). CSO,
in CSO's sole discretion, shall be solely responsible for determining the amount
of the CSO Fee, the disclosures set forth in the CSO Disclosure Statement and
the terms and conditions of each CSO Contract and CSO shall determine, in CSO's
sole discretion, whether or not it is appropriate to offer any particular
consumer the opportunity to apply for a Loan. Additionally, nothing herein shall
be deemed to commit CSO to broker any particular level or number of applicants
for Loans and CSO makes no representation as to the number of Loan applications
CSO will submit to Lender on behalf of prospective Borrowers. Furthermore,
nothing herein shall be deemed to require CSO to submit to Lender the
application of any prospective Borrower to whom CSO has determined not to
provide credit services or for whom CSO has determined not to issue a stand-by
letter of credit.

          (c) Commencement Date. The parties shall endeavor to begin the CSO
Program and the Loan Program, and to commence providing credit services and
making the Loans hereunder, not later than May 31, 2006.

     3. Duties and Responsibilities of Lender. Lender shall perform and
discharge the following duties and responsibilities:

          (a)  Develop (and from time to time as it determines appropriate,
               modify) and notify CSO of credit and underwriting criteria
               determined by Lender, in Lender's sole discretion, to be
               reasonable and prudent for the Loan Program and the Loans.

          (b)  Make a determination, in Lender's sole discretion, as to whether
               or not to extend a Loan to a prospective Borrower (which
               determination shall be made on a case by case basis, pursuant to
               scoring systems or other criteria or models established by
               Lender).

          (c)  Extend credit to Borrowers in the form of Loans and fund the
               Loans.

          (d)  Disburse the proceeds of Loans to Borrowers in the manner set out
               in the Program Guidelines.

          (e)  Manage the Loan Program in accordance with Lender's express
               obligations under this Agreement and under the Program Guidelines
               and manage the portfolio of Loans using commercially reasonable
               standards of care, skill and attention, in each case subject to
               the timely performance by CSO of CSO's obligations under this
               Agreement and the Program Guidelines.

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          (f)  Promptly deliver to CSO all communications received from
               Borrowers or applicants who are denied a Loan (including, without
               limitation, information requests and bankruptcy filings) to the
               extent CSO reasonably needs the same in order to service the
               Loans as Lender's special limited agent and to perform its other
               obligations hereunder.

          (g)  Generate adverse action notices and other communications that may
               be required under the Rules to persons who apply for but are
               denied a Loan, subject to CSO's responsibility as a special
               limited agent to deliver and manage such adverse action notices
               as described in the Program Guidelines.

          (h)  Refrain from suggesting to any Borrower or prospective Borrowers
               that Loans are made or approved by CSO or that CSO can improve
               such person's likelihood of obtaining a Loan.

          (i)  Relieve Borrowers from any further payment obligations to Lender
               with respect to Loans which are paid in full, whether by the
               Borrowers (through payments remitted to CSO, which in turn are
               required to be remitted to Lender on behalf of the Borrowers) or
               in accordance with Section 5 hereof.

     4. Duties and Responsibilities of CSO. CSO shall perform and discharge the
following duties and responsibilities:

          (a)  Develop (and from time to time as it determines appropriate,
               modify) its credit and underwriting criteria for CSO's credit
               services, in CSO's sole discretion, to be reasonable and prudent
               for the CSO Program.

          (b)  Make a determination, in CSO's sole discretion, as to whether or
               not to extend credit services and specifically issue a stand-by
               letter of credit (each a "LOC") to a prospective Borrower (which
               determination shall be made on a case by case basis, pursuant to
               scoring systems or other criteria or models established by CSO).

          (c)  Perform certain servicing functions in connection with this
               Agreement under the Loan Program to the limited extent provided
               in this Agreement and the Program Guidelines.

          (d)  Market and promote the CSO Program and the Loan Program and
               solicit potential Borrowers in the manner set out in Section 8
               below.

          (e)  Provide information at each of CSO's locations subject to this
               Agreement that identifies Lender (either specifically, or
               generically, as a third-party lender) as the lender of the Loans
               and such other information as Lender and CSO may mutually agree
               from time to time, with each party acting in good faith and in a
               commercially reasonable manner.

          (f)  Provide certain disclosures and agreements to each Borrower,
               including a CSO Disclosure Statement and a CSO Contract, in the
               manner described in the Program Guidelines.

          (g)  Administer the application process for Loans, solicit
               applications, and assist potential Borrowers in completing
               applications.

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          (h)  Transmit Loan applications to the Underwriting System (as defined
               in Section 11, as instructed by Lender.

          (i)  Receive evaluations of Loan applications and the resulting Loan
               approval or denial decisions from the Underwriting System and
               forward such decisions to the applicable applicants.

          (j)  Print from the LMS and deliver Loan documentation from Lender to
               Borrowers.

          (k)  Deliver Lender's drafts payable to Borrowers for the disbursement
               of Lender's Loan proceeds to Borrowers.

          (l)  As part of its credit services obligations to Borrower, receive
               from Borrowers payments due to Lender under the Loans, forward to
               Lender, in the manner specified in Section 6 below, any Loan
               payments delivered to CSO by Borrowers, and deliver payment
               receipts to Borrowers. The funds from these payments shall belong
               to and shall be held in trust for Lender or the recipient
               designated by Lender.

          (m)  Reflect all Loan transactions and track Loan balances on a loan
               management system ("LMS") and accounting system to be maintained
               by CSO pursuant to the requirements of Section 11 below.

          (n)  Comply with all registration, bonding and other requirements of
               such Chapter 392 of the Texas Finance Code, and any regulations
               promulgated thereunder, and with federal laws and regulations
               applicable to fair debt collection practices, to the extent that
               any such statues or regulations are applicable to CSO's
               activities.

          (o)  Ensure that Program Materials used in connection with the CSO
               Program comply with the Rules applicable thereto.

          (p)  As part of the CSO Program and in compliance with the Fair Credit
               Reporting Act, report to consumer credit reporting agencies
               Borrowers' credit information and history related to the CSO
               Program the Loan Program and the Loans.

     5. Defaulted Loans. A Loan shall default upon the occurrence of any of the
following: (a) the Borrower fails to make any payment when due, (b) the Borrower
makes any statement or representation in connection with obtaining a Loan which
is false, (c) the Borrower fails to keep any promise or agreement it made to the
Lender in any promissory note evidencing a Loan, or (d) the CSO Contract related
to such Loan is cancelled for any reason prior to the Lender receiving payment
in full on such Loan. Pursuant to each CSO Contract, and regardless of whether
the CSO Contract is cancelled, CSO agrees to issue on behalf of each
CSO-approved Borrower, and for the benefit of Lender, a LOC for the prompt
payment of all amounts due to Lender under each Loan made under the Loan
Program. The LOC shall be equal to the amount of principal and interest owed as
of the Loan due date and fees accrued and outstanding as of the time Lender
makes demand under the LOC, which shall be either (1) at the close of business
on the day the Loan defaults, for defaults for which there is no cure period, or
(2) immediately after (A) any applicable cure or collection period

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expires as provided in the Program Guidelines, (B) the Borrower does not renew,
extend or repay in full the Loan and (C) the initiation of an electronic funds
transfer on behalf of the Lender does not result in the Loan being paid in full.
Each defaulted Loan paid in full by CSO under a LOC shall be marked as
"satisfied", as provided in the Program Guidelines.

     6. Settlement. The parties agree to settle all amounts due from one party
to the other pursuant to this Agreement and the Program Guidelines daily, on
each business day on which Lender's and CSO's corporate offices are open for
business. Any payment due from one party to the other under this Agreement and
the Program Guidelines shall be made by an automatic clearinghouse transfer with
next day settlement. Within twenty (20) days after the end of each calendar
month, the parties shall prepare a recap and reconciliation of all of the
settlements made during that month, and if the reconciliation reveals that one
party owes the other an amount necessary to correct an inaccuracy in the
previous settlement process, that amount shall be paid immediately. The
settlement obligations of the parties under this Agreement and the Program
Guidelines shall survive the termination of this Agreement and will remain in
effect as long as any Loans remain on the books of Lender. Lender acknowledges
and agrees that if it issues its draft to a Borrower for the disbursement of
Loan proceeds to that Borrower and CSO then honors that draft, the amount of the
draft shall be considered due and owing from Lender to CSO on the date that CSO
honors the draft. Pursuant to the requirements of Section 11 below, CSO shall
capture and record all relevant data concerning any Loan transaction and prepare
appropriate reports and summaries as may be necessary to effect settlement
hereunder, facilitate the review and analysis of all Loan activity, and permit
Lender to reflect such Loan transactions on its books and records.

     7. Program Guidelines. Lender and CSO will mutually agree upon the Program
Guidelines in writing from time to time. Except as provided in Section 9 below,
the parties may modify the then current Program Guidelines only by means of a
written agreement signed by duly authorized representatives of both parties.
Both parties agree to act in good faith and in a commercially reasonable manner
in connection with the establishment and modification, if any, of the Program
Guidelines. The parties agree to perform their duties and responsibilities under
this Agreement in accordance with the provisions of the Program Guidelines, as
they may be modified from time to time.

     8. Program Materials; Advertising Materials; Trade Names and Trademarks.
The parties shall each be responsible for preparing their own respective Program
Materials; provided, however, prior to the use of any Program Materials prepared
by one party, the other party shall be entitled to review and approve such
Program Materials in the manner described below. Each party agrees that it will
not use any Program Materials unless such Program Materials have been approved
in advance by the other party hereto. CSO shall be solely responsible for the
creative, design, form, content and development of proposed Advertising
Materials concerning advertising and marketing of Loans and solicitation of
potential Borrowers. The content of all Advertising Materials shall be subject
to the prior review and approval of Lender with respect to compliance with legal
and regulatory matters and issues only, in the manner described below. The
nature of the Advertising Materials, the scope of their dissemination, and the
total expenditures to be made on Advertising Materials for the CSO Program and
the Loan Program shall be determined by CSO in its reasonable discretion, and
CSO shall pay all expenses concerning the production, use, and dissemination of
Advertising Materials. Notwithstanding anything herein to the contrary, each
party agrees

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that it will respond in writing to any request from the other party for an
approval of any Advertising Materials or Program Materials within five (5)
business days following such other party's receipt of such materials and any
such materials shall be deemed approved by such other party upon the earlier to
occur of (a) the actual approval of such materials, or (b) upon the expiration
of the above-described five (5) business day period if the party whose approval
is being sought fails to timely approve or disapprove such materials within such
five (5) business day period. If a party disapproves any proposed Program
Materials or Advertising Materials within the required time frame, such party
will detail its reasons for such disapproval in such party's written disapproval
notice to the other party. A party hereto may at any time retract or modify any
approval previously given by it with respect to any Program Materials or
Advertising Materials if such action is necessary in order to remain in
compliance with the Rules; provided, however, no party shall retract or modify a
previously granted approval if there has been no intervening change in the Rules
which would require such retraction or modification. Each of Lender and CSO
acknowledges that approved Program Materials and/or Advertising Materials may
contain trade names, trademarks, or service marks of CSO and Lender, and Lender
or CSO, as the case may be, shall have no authority to use any such names or
marks of the other party separate and apart from their use in the Program
Materials or Advertising Materials. The parties shall use Program Materials and
Advertising Materials only for the purpose of implementing the provisions of
this Agreement and shall not use Program Materials or Advertising Materials in
any manner that would violate the Rules or any provision of the Program
Guidelines.

     9. Loan Terms and Charges; CSO Terms and Fees. All underwriting criteria,
Loan terms and all interest, fees, and other charges associated with the Loans,
exclusive of any CSO Fees, shall be established by Lender and shall be reflected
in the Program Guidelines. Notwithstanding the foregoing, however, Lender shall
have the right to modify any underwriting criteria, Loan term, interest rate,
fee, or other charge (exclusive of any CSO Fees), from time to time, including,
without limitation, if Lender determines that such modification is necessary in
order to remain in compliance with the Rules. The terms and conditions of the
CSO Disclosure Statements, CSO Contracts and the amount of any CSO Fees shall be
established by CSO, shall comply with the Rules and shall be reflected in the
Program Guidelines. Notwithstanding the foregoing, however, CSO shall have the
right to modify any CSO Disclosure Statements, CSO Contracts and the amount of
any CSO Fees, from time to time, including, without limitation, if CSO
determines that such modification is necessary in order to remain in compliance
with the Rules. In the event that either party becomes aware that any
underwriting criteria, Loan terms, interest, fee or other charge associated with
the Loans, any terms and conditions of the CSO Disclosure Statements and the CSO
Contracts or the amount of any CSO Fee, or any activity of CSO as a third party
debt collector is not in compliance with the Rules, the party becoming aware of
the same shall notify the other party of such non-compliance and each party
hereto agrees to cooperate in good faith with each other, and to diligently take
commercially reasonable steps, as may be necessary in order to promptly correct
any such non-compliance.

     10. Third Party Service Providers. A party hereto shall not, whether
directly or indirectly, retain any Third Party Service Provider to assist it in
performing its duties hereunder except with the prior written consent of the
other party hereto, which consent shall not be unreasonably withheld or delayed.
In seeking the approval to retain a Third Party Service Provider, the party
requesting such approval shall provide to the other party such

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information concerning the proposed Third Party Service Provider as such other
party may reasonably request. A party may condition its willingness to approve a
proposed Third Party Service Provider upon obtaining a written commitment from
such Third Party Service Provider to comply with the terms of this Agreement and
the Program Guidelines, to submit to audits and inspections by either party
hereto, and to indemnify the parties hereto upon such terms and conditions as
the parties hereto may reasonably require. CSO shall be responsible for
supervising any Third Party Service Providers retained by CSO. Lender shall be
responsible for supervising any Third Party Service Providers retained by
Lender.

     11. LMS and Accounting System. CSO agrees to develop and maintain, at its
sole cost and expense, a comprehensive LMS and accounting system to accurately
and immediately reflect all Loan transactions and track all Loan balances and
which will satisfy the information requirements of CSO, Lender and Regulatory
Authorities having jurisdiction over the CSO Program and/or the Loan Program, if
any, and will permit Lender to access such system. CSO shall provide Lender on a
periodic basis with an electronic file with data concerning all Loans originated
hereunder to assist Lender in incorporating such information into its internal
accounting, record keeping, and audit systems. Upon termination of this
Agreement for any reason CSO shall continue to provide the accounting and LMS
functions described herein for the Loans for the benefit of Lender and maintain
the LMS and accounting system described herein for such purpose for up to one
(1) year following termination of this Agreement. Lender agrees to develop and
maintain, at its sole cost and expense, a computer system which is designed to
receive Loan applications and evaluate such applications using Lender's
underwriting criteria (the "Underwriting System"). To the extent necessary and
appropriate to ensure compatibility with CSO's LMS systems, CSO and Lender shall
collaborate on the development of the software for the Underwriting System and
the hardware connections by which CSO's computer systems shall communicate with
the Underwriting System.

     12. CSO's Representations and Warranties. CSO makes the following
warranties and representations to Lender, all of which shall survive the
execution and termination of this Agreement for any reason:

          (a)  This Agreement is valid, binding and enforceable against CSO in
               accordance with its terms, and CSO has received all necessary
               corporate approvals to enter into this Agreement and to perform
               its obligations hereunder. Except for CSO's surety bonds and
               Credit Services Organization Registration Statements required
               pursuant to Chapter 393 of the Texas Finance Code, CSO is not
               required to obtain the approval of, or be licensed by, any
               Regulatory Authority to lawfully perform their respective
               obligations hereunder.

          (b)  CSO is a limited partnership duly formed, validly existing, and
               in good standing under the laws of the state of Texas and is
               authorized and registered to do business Texas. CSO does not
               conduct business in, and is not licensed or registered to do
               business in, any states other than Texas. Each location of CSO
               from which CSO will provide credit services hereunder is
               registered and bonded as required for credit services
               organizations under Section 393 of the Texas Finance Code and
               will remain so registered and bonded throughout the term of this
               Agreement.

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          (c)  CSO has the full organizational power and authority to execute
               and deliver this Agreement and perform all of its obligations
               hereunder.

          (d)  The provisions of this Agreement and the performance of each of
               CSO's obligations hereunder do not conflict with CSO's
               certificate of limited partnership, limited partnership
               agreement, or any agreement, contract, lease, or obligation to
               which CSO is a party or by which CSO is bound.

          (e)  The general partner of CSO has approved the terms and conditions
               of this Agreement and have determined that entering into this
               Agreement is in the best interests of CSO.

          (f)  This Agreement, the Program Guidelines and the provisions of each
               of them comply with and are enforceable under the Rules, and the
               operation of the Loan Program and the CSO Program in accordance
               with this Agreement and the Program Guidelines will not violate
               any of the Rules.

          (g)  Neither CSO nor any principal thereof has been or is the subject
               of any of the following:

               (i)  Criminal conviction (other than misdemeanor traffic
                    offenses);

               (ii) IRS lien;

               (iii) Enforcement agreement, memorandum of understanding, cease
                    and desist order, administrative penalty, or similar
                    agreement concerning lending matters;

               (iv) Administrative or enforcement proceeding or material
                    investigation commenced by the Securities Exchange
                    Commission, state securities regulatory authority, Federal
                    Trade Commission, or any other state or federal Regulatory
                    Authority (excluding routine examinations conducted by a
                    Regulatory Authority and excluding communications received
                    in the ordinary course of business from any Regulatory
                    Authority such as communications concerning consumer
                    complaints or communications related to immaterial issues);
                    or

               (v)  Restraining order, decree, injunction, or judgment in any
                    proceeding or lawsuit alleging fraud or deceptive practices
                    or illegal activity on the part of CSO or any principal
                    thereof.

For purposes of this Subsection 12(g) the word "principal" of CSO shall include
(i) any person directly or indirectly owning a ten percent or more equity
interest of CSO, (ii) any officer or director of CSO, and (iii) any other person
having the power or authority to control CSO's business.

     13. Lender's Representations and Warranties. Lender makes the following
warranties and representations to CSO, all of which shall survive the execution
and termination of this Agreement for any reason:
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          (a)  This Agreement is valid, binding and enforceable against Lender
               in accordance with its terms, and Lender has received all
               necessary approvals to enter into this Agreement and to perform
               its obligations hereunder.

          (b)  Lender is a limited partnership duly formed, validly existing,
               and in good standing under the laws of the state of Ohio and is
               authorized and registered to do business in Texas and in each
               state in which the Loans are being offered and in each state in
               which the nature of its activities makes such authorization,
               registration, or licensing necessary or required. Lender is not
               affiliated with CSO or any affiliate of CSO.

          (c)  Lender has the full organizational power and authority to execute
               and deliver this Agreement and perform all of its obligations
               hereunder.

          (d)  The provisions of this Agreement and the performance of each of
               Lender's obligations hereunder do not conflict with Lender's
               Certificate of Limited Partnership, Limited Partnership
               Agreement, or any agreement, contract, lease, or obligation to
               which Lender is a party or by which Lender is bound.

          (e)  The Board of Directors of Lender's general partner has approved
               the terms and conditions of this Agreement and has determined
               that the entering of this Agreement by Lender is in the best
               interests of Lender.

          (f)  Neither Lender nor any principal thereof has been or is the
               subject of any of the following:

               (i)  Criminal conviction (other than misdemeanor traffic
                    offenses);

               (ii) IRS lien;

               (iii) Enforcement agreement, memorandum of understanding, cease
                    and desist order, administrative penalty, or similar
                    agreement concerning lending matters;

               (iv) Administrative or enforcement proceeding or investigation
                    commenced by the Securities Exchange Commission, state
                    securities regulatory authority, Federal Trade Commission,
                    or any other state or federal Regulatory Authority
                    (excluding routine examinations conducted by a Regulatory
                    Authority and excluding communications received in the
                    ordinary course of business from any Regulatory Authority
                    such as communications concerning consumer complaints or
                    communications related to immaterial issues); or

               (v)  Restraining order, decree, injunction, or judgment in any
                    proceeding or lawsuit alleging fraud or deceptive practices
                    or illegal activity on the part of Lender or any principal
                    thereof.

For purposes of this Subsection 13(f) the word "principal" of Lender shall
include (i) any person directly or indirectly owning a ten percent or more
equity interest of Lender, (ii) any officer or

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director of Lender, and (iii) any other person having the power or authority to
control Lender's business.

     14. Ownership of Customer Information. Lender and CSO shall jointly and
severally own all consumer names, addresses, and telephone numbers and all
account and other information, including payment information, regarding
consumers and Loan applicants who have been declined and all records, data, and
information pertaining to the foregoing (collectively, "Customer Information")
and shall take all steps necessary and appropriate to maintain the
confidentiality of Customer Information; provided, however, that neither party
will use any of such Customer Information except to the extent permitted by the
Program Guidelines and the privacy policies of each of CSO and Lender set forth
in the documents described in the Program Guidelines. Notwithstanding the
foregoing, without the need for obtaining Lender's consent, CSO shall be free to
use Customer Information for purposes of marketing, offering, selling,
brokering, underwriting and providing other products and services, including,
without limitation, other loan products and services that may be offered to
consumers by CSO, any Third Party Service Provider of CSO or any other lenders
through the distribution channels of CSO and any Third Party Service Provider of
CSO, provided that, in all cases, however, any use by CSO of any such Customer
Information shall comply with (i) all applicable Rules and (ii) the
above-described privacy policies of both CSO and Lender and in the event any
such Customer Information is used in connection with marketing, offering,
selling, brokering, underwriting or providing loans made by any party other than
CSO, Lender agrees that such other lender may jointly own such Customer
Information with CSO and Lender, so long as such other lender has a privacy
policy no less restrictive than Lender's privacy policy described in the Program
Guidelines and agrees in writing to comply with such privacy policy and the
privacy policies of CSO and Lender. In addition, notwithstanding that Lender has
an ownership interest in the Customer Information, Lender agrees that it will
not use the Customer Information to market any other products or services to the
Borrowers or to Loan applicants who have been declined without the prior written
consent of CSO. Notwithstanding anything herein to the contrary, CSO shall be
the sole owner of all CSO Disclosure Statements and all CSO Contracts and any
information contained therein. The rights and obligations of the parties under
this Section 14 shall indefinitely survive the termination of this Agreement.

     15. Term. This Agreement shall remain in effect until terminated pursuant
to the provisions of this Section 15 or Section 16 below. Each party hereto
shall have the right to terminate this Agreement immediately upon written notice
to the other party hereto, if (i) the terminating party determines in its
reasonable discretion that the activities of the parties under this Agreement or
the CSO Program and/or the Loan Program are illegal under, prohibited by or not
permitted under any of the Rules; (ii) any Regulatory Authority having
jurisdiction over the CSO Program and/or the Loan Program, CSO or the Lender
requires the terminating party to terminate this Agreement; (iii) the
terminating party determines in its reasonable discretion that continued
operation of the CSO Program and/or the Loan Program may materially adversely
affect the ongoing operations of the terminating party or those of the
terminating party's affiliates (provided that, in the event of a termination of
this Agreement pursuant to this clause (iii), the terminating party shall
provide the other party with a written explanation of the basis for such
termination); or (iv) the terminating party determines in its reasonable
discretion that continued operation of the CSO Program and/or the Loan Program
may materially adversely affect the relationship between the terminating

<PAGE>

party or any of its affiliates and any Regulatory Authority having jurisdiction
over any of them. Each party hereto shall have the right to terminate this
Agreement upon ninety (90) days prior written notice to the other with or
without cause, which termination shall be effective on the 90th day after the
giving of notice in accordance with this sentence.

     In addition, if Lender modifies any Loan term, interest rate, fee, or other
charge pursuant to Section 9 above, or if Lender materially modifies any
underwriting criteria for the Loans pursuant to Section 9 above, CSO may
terminate this Agreement upon thirty (30) days prior written notice to Lender if
CSO determines in its reasonable discretion that such modification by Lender
would render it economically infeasible for CSO to continue to perform its
duties and responsibilities hereunder or that such modification would cause any
aspect of the CSO Program and/or the Loan Program to be in violation of any
Rule.

     Notwithstanding termination of this Agreement, the parties' obligations
with respect to outstanding Loans shall remain in effect for so long as such
Loans remain outstanding.

     16. Termination Upon Default.

          (a)  Either party shall have the right to terminate this Agreement
               upon occurrence of one or more of the following events:

               (i)  failure by the other party to observe or perform that
                    party's obligations to the other hereunder or to comply with
                    any provision of this Agreement, so long as the failure or
                    nonperformance is not due to the actions of the terminating
                    party;

               (ii) in the event any representation, warranty, statement or
                    certificate furnished to either party by the other in
                    connection with this Agreement, or any separate material
                    statement or document delivered or to be delivered hereunder
                    by either party to the other, is materially false,
                    misleading, or inaccurate as of the date made or delivered;
                    and

               (iii) in the event a party hereto (or an affiliate of such party)
                    defaults under any other agreement executed between the
                    parties hereto (and/or any of their respective affiliates)
                    and such default continues beyond any applicable notice and
                    cure period provided for such default under such other
                    agreement.

          (b)  The Agreement may be terminated pursuant to Subsection 16(a)(i)
               above only if the default continues for a period of thirty (30)
               days after the defaulting party receives written notice from the
               other party specifying the default in the case of a non-monetary
               default, or ten (10) days after the default in the case of a
               failure to pay any amount when due hereunder.

          (c)  In addition to any other right to terminate this Agreement, a
               party may terminate this Agreement if the other party hereto, or
               such other party's principals (as defined in Sections 12 or 13
               above, as the case may be) is the subject of any of the following
               or if any of the following occurs with respect to such other
               party or such other party's principals: insolvency,

<PAGE>

               inability to pay its debts as they become due, the filing of a
               voluntary bankruptcy petition, the filing of an involuntary
               bankruptcy petition which is not dismissed within thirty (30)
               days after filing thereof, dissolution or termination of its
               existence as a going concern, or the appointment of a receiver
               for any part of its property.

     17. Indemnification.

          (a)  CSO's Indemnification Obligations. CSO shall indemnify and hold
               Lender and its partners and affiliates harmless against any and
               all claims, demands, liabilities, losses, penalties, fines,
               judgments, damages or expenses (including, without limitation,
               legal fees, court costs, accounting fees and class action costs)
               (collectively, "Damages") accruing or arising out of (i) any
               breach by CSO of its obligations under this Agreement or the
               inaccuracy of any warranty or representation of CSO set forth in
               this Agreement; (ii) the act or omission of CSO or its employees,
               agents or representatives; (iii) any act or omission of any Third
               Party Service Provider retained by CSO, the inaccuracy of any
               warranty or representation made for the benefit of Lender by any
               Third Party Service Provider retained by CSO, or the breach of
               any obligation owed to Lender by any Third Party Service Provider
               retained by CSO; (iv) any claim or determination that the Loans
               or the activities of the parties hereunder are illegal under or
               prohibited by any of the Rules and any other claim asserted by or
               on behalf of Borrowers or a Regulatory Authority with respect to
               the Loans, or (v) any examination or audit conducted by a
               Regulatory Authority as provided in Section 21. Nothing herein,
               however, shall be construed to require CSO to indemnify Lender
               for any Damages directly arising out of any Lender Breach
               (hereinafter defined) or the fraud, gross negligence or willful
               misconduct of Lender. The term "Lender Breach" shall mean the
               breach by Lender of any of its obligations expressly set forth
               herein, including the negligent breach by Lender of its
               obligation to maintain the confidentiality of Customer
               Information; provided, however, any breach by Lender arising out
               of or related to the failure of Lender to comply with the Rules
               shall not be deemed a Lender Breach unless and until Lender fails
               to comply with its obligations under the last sentence of Section
               9 hereof.

          (b)  Lender's Indemnification Obligations. Lender shall indemnify and
               hold CSO and its partners and affiliates harmless against any and
               all Damages accruing or arising out of (i) any Lender Breach or
               the inaccuracy of any warranty or representation of Lender set
               forth in this Agreement; (ii) the willful act or omission of
               Lender or its employees, agents or representatives, or (iii) any
               act or omission of any Third Party Service Provider retained by
               Lender, the inaccuracy of any warranty or representation made for
               the benefit of CSO by any Third Party Service Provider retained
               by Lender, or the breach of any obligation owed to CSO by any
               Third Party Service Provider retained by Lender. Nothing herein,
               however, shall be construed to require Lender to indemnify CSO
               for any Damages directly arising out of any breach by CSO of its
               obligations

<PAGE>

               under this Agreement or the breach of any obligation of a Third
               Party Service Provider retained by CSO or the negligence or
               willful misconduct of CSO or any Third Party Service Provider
               retained by CSO.

          (c)  Indemnification Procedures. Each party shall promptly notify the
               other of any suit or threat of suit of which that party becomes
               aware which may give rise to a right to indemnification under
               this Agreement but in any event within 30 days of the discovery
               of such claim; provided, however, that the failure of a party
               alleging a right of indemnity hereunder to provide prompt notice
               to the other shall relieve the indemnifying party of its
               obligations hereunder only to the extent that the indemnifying
               party can prove that such failure to provide prompt notice
               actually and materially prejudiced the rights of such party. The
               indemnifying party shall promptly reimburse the indemnified party
               for all Damages incurred by the indemnified party (including
               Damages incurred in advance of the final disposition of the
               underlying claim), shall bear all expenses in defending any such
               claim or matter, and shall be entitled to participate in the
               settlement or defense of any matter for which the other party
               seeks indemnity hereunder and, if the indemnifying party elects,
               to take over and control the defense and settlement thereof
               utilizing counsel of its choice in consultation with the
               indemnified party (in which case the indemnified party shall have
               the right to employ separate counsel of its choice, but the fees
               and expenses of such counsel shall be at the expense of the
               indemnified party). In all cases, the indemnifying and
               indemnified parties shall cooperate and assist each other in all
               reasonable respects in the defense and settlement of any such
               action.

          (d)  Obligation to Refund Advanced Damages. In the event that either
               party reimburses the other for Damages pursuant to the
               indemnification provisions of this Section 17, in advance of the
               final disposition of the underlying claim, and if it is
               ultimately determined by settlement or pursuant to the dispute
               resolution provisions hereof that such Damages directly arose out
               of an occurrence that did not require such indemnification under
               Section 17(a) or 17(b), as applicable, then the reimbursed party
               agrees to repay to the other party any such Damages for which it
               received advanced reimbursement to which it was not entitled
               hereunder. All Damages required to be repaid under this Section
               17(d) shall be repaid within 5 business days following the
               above-described ultimate determination.

          (e)  Survival. This Section 17 shall survive any termination or
               expiration of this Agreement.

     18. Expenses. Except as expressly provided to the contrary in this
Agreement, each party shall be responsible for all expenses incurred by it in
the performance of its obligations under this Agreement, including any expenses
incurred by it in performing its respective duties set forth in Sections 3 or 4
above, as the case may be.

<PAGE>

     19. Scope of Relationship. The parties agree that the relationship
established by this Agreement is non-exclusive. Without limiting the foregoing
and subject to the provisions of Sections 14 and 20 of this Agreement, each
party hereto is expressly permitted, without the need for obtaining any further
consent or approval from the other party hereto, to market, offer, sell, broker,
underwrite and/or provide other products and services, including, without
limitation, any other loan products and services and specifically including,
without limitation, any loan products and services similar in scope and nature
to the Loans and the related services contemplated by the Program Guidelines,
through any of their respective distribution channels and the distribution
channels of their respective Third Party Service Providers, including, without
limitation, any of such distribution channels through which Loans are offered
pursuant to this Agreement.

     20. Confidential Information. In performing their obligations pursuant to
this Agreement, each party may have access to and receive disclosure of certain
confidential information about the other party or parties, including, without
limitation, the names and addresses of a party's customers or members, marketing
plans and objectives, research and test results, and other information which is
confidential and the property of the party disclosing the information
("Confidential Information"). The parties agree that the term Confidential
Information shall include this Agreement, the Program Guidelines, and the
Program Materials, as the same may be amended and modified from time to time.
Confidential Information shall not include information in the public domain or
which is independently developed by the other party. Lender and CSO agree that
Confidential Information shall be used by each party solely in the performance
of its obligations under this Agreement. Each party shall receive Confidential
Information in confidence and shall not disclose Confidential Information to any
third party, except as may be permitted hereunder or under the Program
Materials, or as may be necessary to perform its obligations hereunder, or as
may be otherwise agreed in writing by the party furnishing the information, or
as required by the Rules or any Regulatory Authority. Notwithstanding anything
herein to the contrary, nothing herein shall prohibit either party hereto from
entering into agreements with any other party that include program guidelines
and program materials that may or may not be the same as, or substantially
similar to, the Program Guidelines and Program Materials. Upon request or upon
any expiration or termination of this Agreement, each party shall return to the
other party or destroy (as the latter may instruct) all of the latter's
Confidential Information in the former's possession which is in any written or
other recorded form, including data stored in any computer medium; provided,
however, that a party may retain the Confidential Information of the other party
(but subject to the requirements of this Section 20) to the extent that such
party needs access to such information to continue to perform any of its
obligations hereunder or to broker or service Loans or otherwise perform
obligations owed by such party to another party. Notwithstanding the foregoing,
to the extent there are any inconsistencies between this Section 20 and Section
14 above, the provisions of Section 14 above shall control.

     21. Regulatory Examinations and Financial Information. Each party agrees to
submit to any examination which may be required by any Regulatory Authority with
audit and examination authority over the other party, to the fullest extent that
such Regulatory Authority may require and to the fullest extent provided by law.
Each party (either directly or by the use of accountants or other agents or
representatives) may audit, inspect, and review the other party's files,
records, and books with respect to the Loans and compliance

<PAGE>

with the CSO Program and/or the Loan Program. Each party agrees to submit such
information as the other party may from time to time reasonably request in order
to ascertain the submitting party's compliance with the requirements of this
Agreement and compliance with the CSO Program and/or the Loan Program. Each
party agrees to submit to operational audits and audits of such party's
electronic data processing functions, as the other party may reasonably request
from time to time. The auditing party will promptly submit the results of such
audits to the audited party. Any such audit shall be performed at the auditing
party's sole cost and expense. The parties acknowledge and agree that, as and to
the extent provided by law, Lender shall be responsible to Borrowers,
prospective Borrowers, and Regulatory Authorities having jurisdiction over
Lender and/or the CSO Program and/or the Loan Program for compliance with the
Rules as they may apply to the Loans and the Program Materials, but subject to
the full performance by CSO of its obligations hereunder and the accuracy of
CSO's warranties and representations set forth herein concerning compliance with
the Rules. CSO acknowledges that in discharging its compliance obligations under
the Rules Lender shall rely on the full performance by CSO of its duties and
obligations hereunder and the accuracy of CSO's warranties and representations
set forth herein.

     22. Relationship of Parties; No Authority to Bind. Lender and CSO agree
they are independent contractors to each other in performing their respective
obligations hereunder. Nothing in this Agreement or in the working relationship
established and developed hereunder shall be deemed or is intended to be deemed,
nor shall it cause, Lender and CSO to be treated as partners, joint ventures,
joint associates for profit or general agent and principal. Neither party shall
have any authority to bind the other party to any agreement except to the extent
expressly permitted herein. In each and every instance, the acts that this
Agreement authorizes CSO to perform for or on Lender's behalf shall solely
constitute CSO a special limited agent of Lender to assist Borrowers in
obtaining Loans from Lender, and certain incidental acts related thereto. In no
event may CSO act as Lender's general agent or represent to others that it may
act as Lender's general agent. Except as expressly set forth in this Agreement
to the contrary, no actions or failure to act on the part of a party hereto
shall be construed to imply the existence of any authority not expressly granted
herein. Except as expressly provided herein or in the Program Guidelines, CSO is
not authorized to, and shall not make or amend any contract, incur any debt or
liability, or extend any credit or enter into any obligation on behalf of
Lender; modify or amend any document evidencing a Loan (a "Loan Document"),
extend the time for making any payment which may become due under any Loan; or
waive any of Lender's rights or privileges under any agreement made by Lender.
CSO understands and agrees that CSO's name shall not appear on any Loan Document
as the maker of a Loan and that CSO shall not have any participation in the
credit decision to make or provide a Loan, a Loan renewal or a Loan refinance or
any participation in any act pertaining to the funding of a Loan, a Loan renewal
or a Loan refinance. CSO shall refer to Lender any inquiries concerning the
accuracy, interpretation, or legal effect of any Loan Document. CSO shall not
negotiate the terms of any Loan Document on behalf of Lender. CSO shall not
represent to anyone that CSO has the authority or power to do any of the
foregoing and shall make no representations concerning Lender's transactions
except as expressly authorized in writing. Lender shall not have any authority
or control over any of the property interests or employees of CSO, nor shall
Lender have any authority or control over any of the property interests or
employees of those affiliates of CSO that own and operate stores at which
potential Borrowers are offered the opportunity to complete and submit
applications for Loans. As used herein, the term "Loan Document" shall not
include

<PAGE>

any agreements that CSO or any affiliate of CSO may enter into directly with any
party that governs the agreement of CSO or an affiliate of CSO to attempt to
broker a Loan on behalf of any Borrower or any party who applies for, but is
denied, a Loan.

     23. Governing Law; Arbitration. This Agreement shall be construed and
performed in accordance with the laws of the state of Texas. At the request of
either party, any dispute between the parties relating to this Agreement shall
be submitted to binding arbitration under the Commercial Arbitration Rules of
the American Arbitration Association, provided, however, that a party seeking
specific performance hereunder pursuant to Section 30 below may pursue such
remedy in court. Unless otherwise agreed to by both parties, the location for
any arbitration proceedings concerning this Agreement shall be in Montgomery
County, Ohio. In the event that a party initiates a lawsuit in court concerning
an arbitrable claim, controversy or dispute, such party shall pay the other
party for the costs, including attorneys' fees that the other party incurs to
obtain an order from the court to stay or dismiss the lawsuit or otherwise
compel arbitration. The arbitrator shall be authorized to award such relief as
is allowed by law. Except as provided below, each party shall be responsible for
its own attorneys' fees incurred during the course of the arbitration, as well
as the costs of any witnesses or other evidence such party produces or causes to
be produced. The award of the arbitrator shall include findings of fact and
conclusions of law. Except as required by law, such award shall be kept
confidential, and shall be final, binding, and conclusive on the parties.
Judgment on the award may be entered by any court of competent jurisdiction. The
prevailing party in the resolution of any dispute ("Dispute Resolution")
concerning this Agreement, any provision hereof or any actual or alleged breach
shall be entitled to its reasonable attorneys' fees, including investigation and
costs of discovery, and other costs connected with such Dispute Resolution, in
addition to all other recovery or relief. The prevailing party shall be that
party receiving substantially the relief sought or successfully defending
substantially the position maintained in the Dispute Resolution, whether or not
brought to final award or judgment. The parties agree that in the event of any
litigation hereunder, including litigation brought pursuant to Section 30 below,
the exclusive venue and place of jurisdiction for such litigation shall be in
the State Courts or the Federal District Courts situated in Montgomery County,
Ohio, and each party hereto specifically consents and submits to the personal
jurisdiction of such courts.

     24. Severability. If any provision of this Agreement is held to be illegal,
invalid or unenforceable under present or future laws effective during the term
hereof, such provision shall be fully severable and this Agreement shall be
construed and enforced as if such illegal, invalid or unenforceable provision
never comprised a part hereof; and the remaining provisions hereof shall remain
in full force and effect and shall not be affected by the illegal, invalid or
unenforceable provision or by its severance herefrom. Furthermore, in lieu of
such illegal, invalid or unenforceable provision, there shall be added
automatically as part of this Agreement a provision as similar in its terms to
such illegal, invalid or unenforceable provision as may be possible and be
legal, valid and enforceable.

     25. Guaranty. CSO shall enlist EZCORP, Inc., a Delaware corporation and
CSO's parent company (the "Guarantor"), to guaranty CSO's Obligations (as
defined in the Guaranty, hereafter defined) under this Agreement pursuant to a
separate guaranty agreement (the "Guaranty") in form and substance reasonably
satisfactory to Lender.

<PAGE>

     26. Successors and Third Parties. This Agreement and the rights and
obligations hereunder shall bind and inure to the benefit of the parties hereto
and their successors and assigns. Except as expressly provided herein with
respect to Third Party Service Providers, the obligations, rights and benefits
hereunder are specific to the parties and shall not be delegated or assigned
without the prior written consent of the other party, which shall not be
unreasonably withheld. As a condition to an assignment of any obligations,
rights or benefits hereunder, the assignee of such rights and benefits must
agree to be bound by the terms of this Agreement pursuant to an assignment
document executed by such assignee, in form and substance reasonably
satisfactory to both Lender and CSO. Nothing in this Agreement is intended to
create or grant any right, privilege, or other benefit to or for any person or
entity other than the parties hereto. Notwithstanding anything in this Agreement
to the contrary, the parties acknowledge that Lender can freely assign its
rights with respect to the Loans (including, without limitation, it rights under
Section 5 hereof) without CSO's prior written consent, provided that the
assignee satisfies the conditions set forth in this Section 26.

     27. Notices. All notices, requests, and approvals required or permitted by
this Agreement shall be in writing and addressed/directed to the other party at
the address/facsimile number below or at such other address of which the
notifying party hereafter receives notice in conformity with this Section 27.
All such notices, requests, and approvals shall be deemed given upon the earlier
of facsimile transmission or actual receipt thereof:

     To Lender: NCP Finance Limited Partnership
                100 East Third Street, 5th Floor
                Dayton, Ohio 45402
                Fax: (937) 586-9474
                Attention: Brenda K. Stampfli

     To CSO:    Texas EZPAWN, L.P.
                1901 Capital Parkway
                Austin, TX 78746
                Fax: (512) 314-3463
                Attention: General Counsel.

     28. Waiver. Neither party hereto shall be deemed to have waived any of its
rights, powers or remedies hereunder except in an express writing signed by an
authorized agent or representative of the party to be charged with such waiver.

     29. Counterparts. This Agreement may be executed and delivered by the
parties hereto in any number of counterparts, each of which shall be deemed an
original and all of which together shall constitute one and the same instrument.
Any signature on this Agreement may be a facsimile signature and all parties
agree that any signature delivered by facsimile shall be treated as an original
signature to any such document.

     30. Specific Performance. Certain rights which are subject to this
Agreement are unique and are of such a nature as to be inherently difficult or
impossible to value monetarily. In the event of a breach of this Agreement by
either party, an action at law for damages or other remedies at law would be
inadequate to protect the unique rights and interests of the parties.
Accordingly, the terms of this Agreement shall be enforceable in a

<PAGE>

court of equity by a decree of specific performance or injunction. Such remedies
shall, however, be cumulative and not be exclusive and shall be in addition to
any other remedy which the parties may have.

     31. Further Assurances. From time to time, the parties will execute and
deliver to the other such additional documents and will provide such additional
information as either may reasonably require carrying out the terms of this
Agreement.

     32. Inability to Perform. In the event that either party to this Agreement
is unable to timely perform its duties or obligations hereunder or under the
Loan as a result of riots, acts of God, strikes, lockouts, material or labor
shortages, state or national emergency, acts of the public enemy, terrorist
activity, criminal activity, governmental restrictions, laws, regulations,
decree or order, systems failures or other unforeseen event, CSO and Lender
shall reasonably cooperate and work together to resolve and take such actions
reasonably necessary to protect the business operations of the other including,
but not limited to temporary modifications, deviations, alterations to the CSO
Program, the Loan Program, Program Guidelines, and Program Materials as may be
necessary.

     33. Entire Agreement. This Agreement, and the documents executed and
delivered pursuant hereto, constitute the entire agreement between the parties,
and may be amended or modified only by a writing signed by duly authorized
representatives of each party and dated subsequent to the date hereof. This
Agreement shall supersede and merge all prior communications, representations,
or agreements, either oral or written, between the parties hereto with respect
to the subject matter hereof, except where survival of prior written agreements
is expressly provided for herein.

             [THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.]

<PAGE>

     IN WITNESS WHEREOF, this Agreement is executed by the parties' authorized
officers and representatives and shall be effective as of the date first above
written.

LENDER:                                 CSO:

NCP FINANCE LIMITED PARTNERSHIP,        TEXAS EZPAWN, L.P.
an Ohio limited partnership             a Texas limited partnership, by and
                                        through its general partner, Texas
By: NMCAPITAL, INC.,                    EZPAWN Management, Inc.
    an Ohio corporation,
    its General Partner
                                        By: /s/ Daniel N. Tonissen
                                            ------------------------------------
By: /s/ Lee Schear                          Daniel N. Tonissen,
    ---------------------------------       Senior Vice President
    Lee Schear, President<PAGE>

                                                                   EXHIBIT 10.98

                                    GUARANTY

THIS GUARANTY is made as of April 11, 2006, by EZCORP, INC., a Delaware
corporation (hereinafter referred to as "Guarantor"), to and for the benefit of
NCP FINANCE LIMITED PARTNERSHIP, an Ohio limited partnership (hereinafter
referred to as "Lender").

                                    RECITALS

          Texas EZPAWN, L.P. ("CSO"), a Texas limited partnership and a
     subsidiary of Guarantor, has, on even date herewith, entered into a Credit
     Services Agreement (the "CSA") with Lender. As a condition to entering into
     the CSA, Lender is requiring Guarantor to guaranty the obligations of CSO
     under the CSA as further described herein.

NOW, THEREFORE, in consideration of the premises recited above and of One Dollar
($1.00) in hand paid by CSO to Guarantor, and of other good and valuable
consideration, the receipt and sufficiency of all of which are hereby
acknowledged by Guarantor; and for the purpose of inducing Lender to enter into
the CSA; and as long as CSO continues to be obligated to Lender in any manner
whatsoever pursuant to the CSA, Guarantor:

1.   Unconditionally and absolutely guarantees the due and punctual payment of
     all amounts due and payable from CSO to Lender under the CSA, including,
     but not limited to, all stand-by letter of credit payment obligations,
     daily settlement payment obligations (as applicable) and indemnification
     payment obligations of CSO set forth in the CSA (all of which amounts
     payable being herein called the "Obligations").

2.   Agrees that this Guaranty shall be a continuing guaranty, shall be binding
     upon Guarantor, and upon its successors and assigns, and shall remain in
     full force and effect, and shall not be discharged, impaired or affected by
     (a) the existence or continuance of any of the Obligations; (b) the
     validity or invalidity of any document or agreement evidencing the
     Obligations or any of them; (c) the existence or continuance of CSO as a
     legal entity; (d) any waiver, indulgence, alteration, substitution,
     exchange, change in, modification or other disposition of any of the
     Obligations, all of which CSO is hereby expressly authorized to make from
     time to time without notice to Guarantor; (e) the acceptance by Lender of
     any security for, or other guarantors upon, all or any part of the
     Obligations; or (f) any defense (other than the payment of the Obligations
     in accordance with their terms) that Guarantor may or might have to its
     undertakings, liabilities and obligations hereunder, each and every such
     defense being hereby waived by Guarantor; and in order to hold Guarantor
     liable hereunder, there shall be no obligation on the part of Lender, or
     anyone, at any time, to proceed against CSO, its properties or estates, or
     to proceed against any other guarantor, or to resort to any collateral,
     security, property, liens or other rights or remedies whatsoever.

3.   Agrees that Lender shall have the right to enforce this Guaranty against
     Guarantor for and to the full amount of the Obligations, with or without
     enforcing or attempting to enforce this Guaranty against any other
     guarantor, and whether or not other proceedings or steps are pending or
     have been taken or have been concluded to enforce or otherwise realize upon
     the obligations or security of CSO or any other guarantor; and the payment
     of any amount or amounts by Guarantor, pursuant to its obligations
     hereunder, shall not entitle Guarantor,

<PAGE>

     either at law or otherwise, to any right, title or interest (whether by way
     of subrogation or otherwise) in and to any of the Obligations, unless and
     until the full amount of the Obligations has been fully paid.

4.   Waives diligence, presentment, protest, notice of dishonor, demand for
     payment, extension of time of payment, notice of acceptance of this
     Guaranty, nonpayment at maturity and indulgences and notices of every kind,
     and consents to any and all forbearance and extensions of the time of
     payment of the Obligations, and further consents to any and all changes in
     the terms, covenants and conditions thereof hereafter made or granted; it
     being the intention that Guarantor shall remain liable under this Guaranty
     until the Obligations shall have been fully repaid to Lender,
     notwithstanding any act, omission or thing which might otherwise operate as
     a legal or equitable discharge of Guarantor.

5.   Agrees that this Guaranty shall inure to the benefit of and may be enforced
     by Lender and its successors and assigns.

6.   Agrees, as does Lender by the acceptance hereof, that this Guaranty shall
     be governed by the laws of the State of Texas and that any dispute or
     controversy whatsoever arising hereunder shall be resolved by arbitration
     pursuant to the applicable provisions set forth in the CSA or any other
     dispute resolution procedures which CSO and Lender may agree upon in
     writing, all of which are hereby consented and agreed to by Guarantor and
     Lender.

Guarantor has executed this instrument as of the day and year first above
written.

                                        GUARANTOR:

                                        EZCORP, INC.
                                        a Delaware corporation

                                        By: /s/ Daniel N. Tonissen
                                            ------------------------------------
                                            Daniel N. Tonissen, Senior Vice
                                            President

STATE OF TEXAS     )
                   ) SS:
COUNTY OF TRAVIS   )

On this 11th day of April, 2006, before me personally appeared the undersigned,
Daniel N. Tonissen, who acknowledged himself to be the Senior Vice President of
EZCORP, Inc., a Delaware corporation (the "Corporation"), and that he, as such
officer, being authorized so to do, executed the foregoing instrument for the
purposes therein contained by signing the name of the Corporation by himself as
Senior Vice President.

IN WITNESS WHEREOF, I hereunto set my hand and official seal.

                                        /s/ Connie Kondik
                                        ----------------------------------------
                                        Notary Public
                                        Name:
                                              ----------------------------------
                                        My commission expires:
                                                               -----------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00103-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00103-of-00352.parquet"}]]