Document:

Amended and Restated Credit Agreement

 Exhibit 10.1 
 AMENDED AND RESTATED CREDIT AGREEMENT 
 among 
 QC HOLDINGS, INC. 
 and

 THE LENDERS THAT ARE PARTIES HERETO 
 and 
 U.S. BANK NATIONAL ASSOCIATION, as Agent and Arranger 
 December 7, 2007 

 TABLE OF CONTENTS 
  

					
	 	 	 	  	PAGE
	INTRODUCTION	  	1
		
	ARTICLE I. DEFINITIONS	  	1
			
	 1.01
	 	Certain Definitions	  	1
	 1.02
	 	Certain Rules of Construction	  	18
		
	ARTICLE II. THE CREDIT FACILITY	  	19
			
	 2.01
	 	Revolving Loans	  	19
	 2.02
	 	Swingline Loans	  	20
	 2.03
	 	Term Loan Commitments	  	23
	 2.04
	 	Borrowings.	  	24
	 2.05
	 	Prepayments and Conversions	  	25
	 2.06
	 	Loan Periods; Renewals	  	25
	 2.07
	 	Changes of Commitments	  	25
	 2.08
	 	Certain Notices	  	26
	 2.09
	 	Minimum Amounts	  	26
	 2.10
	 	Interest	  	26
	 2.11
	 	Fees	  	27
	 2.12
	 	Letters of Credit	  	27
	 2.13
	 	Payments Generally	  	31
	 2.14
	 	No Setoff or Deduction	  	31
	 2.15
	 	Payment on Non-Business Day	  	31
	 2.16
	 	Increase in Revolving Loan Commitments	  	31
		
	ARTICLE III. YIELD PROTECTION; ILLEGALITY; ETC.	  	32
			
	 3.01
	 	Additional Costs	  	32
	 3.02
	 	Illegality and Impossibility	  	33
	 3.03
	 	LIBOR Rate Indemnity	  	34
	 3.04
	 	Regulation D Compensation	  	34
		
	ARTICLE IV. SECURITY	  	35
			
	 4.01
	 	Security	  	35
	 4.02
	 	Further Assurances	  	35
	 4.03
	 	Information Regarding Collateral	  	35
		
	ARTICLE V. CONDITIONS TO LOANS	  	35
			
	 5.01
	 	Conditions for Initial Loans	  	35
	 5.02
	 	Further Conditions for Disbursement	  	37

  

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	ARTICLE VI. REPRESENTATIONS AND WARRANTIES	  	38
			
	 6.01
	 	Corporate Existence and Power	  	38
	 6.02
	 	Corporate Authority	  	38
	 6.03
	 	Binding Effect	  	39
	 6.04
	 	Subsidiaries	  	39
	 6.05
	 	Litigation	  	39
	 6.06
	 	Financial Condition	  	39
	 6.07
	 	Use of Loans	  	39
	 6.08
	 	Consents, Etc	  	40
	 6.09
	 	Taxes	  	40
	 6.10
	 	Title to Properties	  	40
	 6.11
	 	Compliance with Governmental Regulations	  	40
	 6.12
	 	ERISA	  	40
	 6.13
	 	Environmental Matters	  	41
	 6.14
	 	Investment Company Act; Public Utility Holding Company Act	  	41
	 6.15
	 	Solvency	  	41
	 6.16
	 	Disclosure	  	41
	 6.17
	 	Intellectual Properties; Licenses	  	42
	 6.18
	 	Prior Agreements	  	42
		
	ARTICLE VII. COVENANTS	  	42
			
	 7.01
	 	Affirmative Covenants	  	42
	 7.02
	 	Negative Covenants	  	47
		
	ARTICLE VIII. DEFAULT	  	53
			
	 8.01
	 	Events of Default	  	53
	 8.02
	 	Remedies	  	55
		
	ARTICLE IX. AGENCY PROVISIONS	  	56
			
	 9.01
	 	Appointment of Agent	  	56
	 9.02
	 	Powers	  	56
	 9.03
	 	General Immunity of Agent	  	56
	 9.04
	 	No Responsibility for Loans, Recitals, etc	  	56
	 9.05
	 	Actions on Instructions of Required Lenders	  	56
	 9.06
	 	Employment of Agents and Counsel	  	57
	 9.07
	 	Reliance on Documents; Counsel	  	57
	 9.08
	 	Agent’s Reimbursement and Indemnification Rights	  	57
	 9.09
	 	Rights as a Lender	  	57
	 9.10
	 	Independent Credit Decisions	  	57
	 9.11
	 	Successor Agents	  	57
	 9.12
	 	Notification of Lenders	  	58
	 9.13
	 	No Knowledge of Default	  	58
	 9.14
	 	Agent May File Proofs of Claim	  	58

  

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	 9.15
	 	Collateral Matters	  	59
		
	ARTICLE X. PAYMENT CONVENTIONS	  	60
			
	 10.01
	 	Pro Rata Payments	  	60
	 10.02
	 	Intraday Funding	  	61
	 10.03
	 	Deficiency Advances; Failure to Purchase Participations	  	61
		
	ARTICLE XI. MISCELLANEOUS	  	62
			
	 11.01
	 	Amendments and Waivers	  	62
	 11.02
	 	Notices	  	62
	 11.03
	 	No Waiver By Conduct; Remedies Cumulative	  	63
	 11.04
	 	Reliance on and Survival of Various Provisions	  	63
	 11.05
	 	Expenses; Indemnification	  	63
	 11.06
	 	Successors and Assigns	  	64
	 11.07
	 	Assignments and Participations	  	64
	 11.08
	 	Disclosure of Information	  	66
	 11.09
	 	Counterparts; Facsimile Signatures	  	67
	 11.10
	 	Governing Law	  	67
	 11.11
	 	Table of Contents and Headings	  	67
	 11.12
	 	Construction of Certain Provisions	  	67
	 11.13
	 	Integration and Severability	  	68
	 11.14
	 	Independence of Covenants	  	68
	 11.15
	 	Interest Rate Limitation	  	68
	 11.16
	 	Limitation of Liability	  	68
	 11.17
	 	Electronic Communication	  	69
	 11.18
	 	USA Patriot Act Notice	  	69
	 11.19
	 	WAIVER OF JURY TRIAL	  	69
	 11.20
	 	NO ORAL AGREEMENTS	  	70

 SCHEDULES 
  

					
	Schedule 2.01	 	Revolving Loan Commitments	  	
	Schedule 2.03	 	Term Loan Commitments	  	
	Schedule 4.03	 	Collateral Information	  	
	Schedule 6.04	 	Subsidiaries	  	
	Schedule 6.05	 	Litigation	  	
	Schedule 6.06	 	Financial Condition	  	
	Schedule 6.13	 	Environmental Matters	  	
	Schedule 7.02(e)	 	Existing Liens	  	
	Schedule 7.02(l)	 	Indebtedness	  	

  

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 EXHIBITS 
  

			
	A	  	Form of Revolving Note
	B	  	Form of Swingline Note
	C	  	Form of Term Note
	D	  	Form of Subsidiary Guaranty
	E	  	Form of Subsidiary Security Agreement
	F	  	Form of Notice of Borrowing
	G	  	Form of Assignment and Acceptance
	H	  	Form of Compliance Certificate
	I	  	Form of Borrowing Base Certificate

  

 iv 

 THIS AMENDED AND RESTATED CREDIT AGREEMENT (this “Agreement”), dated as of December 7,
2007, is by and among QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U.S.
BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”). 
 INTRODUCTION 
 A. The Borrower, certain banks party thereto and the Agent previously entered into a Credit Agreement dated January 19, 2006 (the “Prior Credit
Agreement”) pursuant to which the Lenders committed to make revolving loans to the Borrower in an aggregate amount up to $45,000,000. 
 B. The Borrower, the Lenders and the Agent enter into this Agreement for the purpose of amending and restating the Prior Credit Agreement and to set forth the terms and conditions pursuant to which the Borrower may obtain revolving credit
(which includes provisions permitting the issuance of letters of credit), Swingline and term loan facilities. 
 Now, therefore, the parties
agree as follows: 
 ARTICLE I. DEFINITIONS 
 1.01 Certain Definitions. In addition to the terms defined elsewhere in this Agreement, when used in this Agreement, the following capitalized terms shall have the following meanings: 
 “Acquisition” means the acquisition of (i) a controlling equity interest in another Person (including the purchase of an option,
warrant or convertible or similar type security to acquire such a controlling interest at the time it becomes exercisable by the holder thereof), whether by purchase of such equity interest or upon exercise of an option or warrant for, or conversion
of securities into, such equity interest, or (ii) assets of another Person which constitute a material part of the assets of such Person or of a line or lines of business conducted by such Person. 
 “Adjusted LIBOR Rate” means, for any Loan Period and the applicable LIBOR Rate Loan, the per annum rate of interest equal to the sum of
(a) the Applicable Margin plus (b) the LIBOR Rate for such Loan Period. 
 “Affiliate” means, when used
with respect to any Person, any other Person which, directly or indirectly, controls or is controlled by or is under common control with such Person. For purposes of this Agreement, “control” (including the correlative meanings of the
terms “controlled by” and “under common control with”), with respect to any Person, shall mean possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of such Person,
whether through the ownership of voting securities or by contract or otherwise. 
 “Agent” means U.S. Bank in its capacity
as administrative agent and collateral agent for the Lenders, and any successor thereto appointed pursuant to Section 9.11. 

 “Agent Fee Letter” means the letter agreement by and between Borrower and Agent
referenced as “Fee Letter” dated December 6, 2007. 
 “Agreement” means this Amended and Restated Credit
Agreement, as amended, supplemented or restated from time to time. 
 “Applicable Margin” means that percent per annum set
forth below, which shall be based upon the consolidated Leverage Ratio of the Borrower for the four (4) full consecutive fiscal quarters of Borrower and its Subsidiaries, taken together as one accounting period, immediately preceding a
Determination Date (as defined below) as specified below: 
  

												
	Tier	 	 Leverage Ratio
	 	Applicable Margin	 
	 	 	Base Rate
Loans	 	 	LIBOR Rate
Loans	 	 	Non-Use Fee
Percentage	 
	1	 	Less than 1.25 to 1	 	0.00	%	 	2.00	%	 	0.250	%
	2	 	Greater than or equal to 1.25 to 1 but less than 1.75 to 1	 	0.50	%	 	2.50	%	 	0.375	%
	3	 	Greater than or equal to 1.75	 	1.00	%	 	3.00	%	 	0.375	%

 The Applicable Margin shall be determined as of the last
day of each fiscal quarter of the Borrower (each, a “Determination Date”). Any change in the Applicable Margin following each Determination Date shall be determined based on the computations set forth in the certificate furnished to Agent
pursuant to Section 7.01(d)(ii) and (iii) of this Agreement, subject to review and approval of such computations by the Agent, and shall be effective commencing on the fifth (5th) Business Day following the date such certificate is received until the fifth (5th) Business Day following the
date on which a new certificate is delivered or is required to be delivered, whichever shall first occur; provided, however, that if Borrower shall fail to deliver any such certificate within the time period required by
Section 7.01(d)(ii) or (iii) then the Applicable Margin shall be at the highest rates specified in the foregoing grid from the date such certificate was due until the appropriate certificate is so delivered. Notwithstanding the foregoing,
during the period commencing on the Closing Date and ending on the fifth (5th) Business Day following the date on which the certificate (required by
Section 7.01(d)(ii)) containing financial computations for the March 31 determination date is due, the Applicable Margin for each Base Rate Loan, each LIBOR Rate Loan, and the Applicable Non-Use Fee Percentage shall be determined in
accordance with Tier 3 above. 
 “Applicable Non-Use Fee Percentage” means the percentage referenced in
the definition of “Applicable Margin” as the “Non-Use Fee Percentage”. 
 “Applicable Rate” means, with
respect to any Loans, the Base Rate or the Adjusted LIBOR Rate, as applicable, as in effect from time to time. 
  

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 “Applicable Revolving Commitment Percentage” means, for each Lender, the Revolving Loan
percentage from time to time specified for that Lender in Schedule 2.01 attached hereto, as amended from time to time. 
 “Applicable Term Loan Commitment Percentage” means, for each Term Loan Lender, a fraction (expressed as a percentage carried to the ninth decimal place), the numerator of which is, prior to funding of the Term Loan, such
Lender’s Term Loan Committed Amount, and after funding of the Term Loan, is the principal amount of such Lender’s Term Loan, and the denominator of which is, prior to funding of the Term Loan, the aggregate principal amount of the Term
Loan Commitments, and after funding of the Term Loan, the then outstanding principal balance of the Term Loan. The initial Applicable Term Loan Commitment Percentages are set out in Schedule 2.03. 
 “Applications and Agreements for Letters of Credit” means, collectively, the Applications and Agreements for Letters of Credit, or
similar documentation, executed by Borrower from time to time and delivered to the Issuing Lender to support the issuance of Letters of Credit. 
 “Arranger” means U.S. Bank. 
 “Assignment and Acceptance” shall have the meaning such term is
given in Section 11.07(a) of this Agreement. 
 “Base Rate” means the per annum rate of interest equal to the Floating
Index from time to time plus the Applicable Margin, which Base Rate shall change simultaneously with any change in the Floating Index. 
 “Base Rate Loan” means any Loan which bears interest at or by reference to the Base Rate. 
 “Borrowing
Base” means the sum of (i) 100% of Cash Holdings and (ii) 80% of Eligible Loan Receivables. 
 “Borrowing Base
Certificate” means a Borrowing Base Certificate substantially in the form of Exhibit G hereto. 
 “Business Day”
means a day other than a Saturday, Sunday or other day on which the Agent is not open to the public for carrying on substantially all of its banking functions; provided, however, that, for purposes of determining the LIBOR Rate or an
applicable Loan Period for a LIBOR Rate Loan, references to Business Day shall include only those days on which dealings in Dollar deposits are carried out by U.S. financial institutions in the London, England interbank market. 
 “Capital Expenditures” means any expenditure to acquire or improve capital assets that is required to be capitalized pursuant to GAAP,
including, without limitation, Capital Leases. 
 “Capital Lease” of any Person means any lease of property which, in
accordance with GAAP, is required to be capitalized on the books of such Person. 
  

 3 

 “Cash Equivalents” means, as to any Person: 
 (a) Obligations issued, sponsored, or guaranteed by the U.S. Government or any of its agencies, including, but not limited to, bills, notes, bonds, and
debentures; 
 (b) Fixed, floating or variable rate obligations of domestic or foreign banks their branches, and bank holding companies
including, but not limited to, commercial paper, certificates of deposit, time deposits, notes and bonds; 
 (c) Investment of money in an
investment company organized under the Investment Company Act of 1940, as amended, or in pooled accounts or funds offered through mutual funds, investment advisors, banks and brokerage house which invests its assets in obligations of the type
described in (a) through (c) above including, but not be limited to, money market funds or short-term and intermediate term bond funds. 
 Notwithstanding the forgoing, Cash Equivalents shall be subject to the following limitations: (i) all securities constituting Cash Equivalents shall have short term ratings of at least A2/P2 and/or long term ratings at least equivalent
to investment grade (Baa), (ii) except for obligations issued by the U.S. Government or its agencies and investments that can be liquidated within five Business Days, no single security or group of securities from the same issuer shall exceed
$10,000,000 or 25% of all Cash Equivalents, (iii) a maximum of 50% of Cash Equivalents may be invested in short term obligations rated A2/P2 at the time of purchase with a maturity of 60 days or less, (iv) no security shall have a maturity
greater than one year and (v) all securities constituting Cash Equivalents shall be denominated in the currency of the United States of America. 
 “Cash Holdings” means the sum of (i) cash held in stores, (ii) cash in depository accounts maintained with the Agent, (iii) cash in depository accounts with financial institutions that
have executed and delivered a Deposit Account Control Agreement for the benefit of the Agent, (iv) the amount of items in clearing with the Agent or any financial institution that is a party to a Deposit Account Control Agreement, and
(v) Cash Equivalents held with securities intermediaries that have executed and delivered a Securities Account Control Agreement for the benefit of the Agent, and (vi) cash in transit with armored carriers. 
 “Cash Operating Expenses” means the sum of Regional Expenses and Corporate Expenses, as each such item is shown on the financial
statements of the Borrower. 
 “Change of Control” means, with respect to any Person, an event or series of events by which:

 (a) any “person” or “group” (as such terms are used in Section 13(d) and 14(d) of the Securities Exchange Act of
1934, but excluding any employee benefit plan of such person or its subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary or administrator of any such plan) becomes the “beneficial owner” (as
defined in Rules 13d-3 and 13d-5 under the Securities Exchange Act of 1934, except that a person or group shall be deemed to have “beneficial ownership” of all securities that such person or group has the right to acquire (such right, an
“option right”), whether such right is exercisable immediately or only after the passage of time), directly or indirectly, of 25% or more of the equity securities of such Person 

  

 4 

 
entitled to vote for members of the board of directors or equivalent governing body of such Person on a fully-diluted based (and taking into account all such
securities that such person or group has the right to acquire pursuant to any option right); 
 (b) during any period of 24 consecutive
months, a majority of the members of the board of directors or other equivalent governing body of such Person cease to be composed of individuals (i) who were members of that board or equivalent governing body on the first day of such period,
(ii) whose election or nomination to that board or equivalent governing body was approved by individuals referred to in clause (i) above constituting at the time of such election or nomination at least a majority of that board or
equivalent governing body or (iii) whose election or nomination to that board or other equivalent governing body was approved by individuals referred to in clauses (i) and (ii) above constituting at the time of such election or
nomination at least a majority of that board or equivalent governing body (excluding, in the case of both clause (ii) and clause (iii), any individual whose initial nomination for, or assumption of office as, a member of that board or
equivalent governing body occurs as a result of an actual or threatened solicitation of proxies or consents for the election or removal of one or more directors by any person or group other than a solicitation for the election of one or more
directors by or on behalf of the board of directors) or 
 (c) any individual(s) or entity(s) acting in concert (but excluding any
individuals or entities acting in concert with Don Early) shall have acquired by contract or otherwise, or shall have entered into a contract or arrangement that, upon consummation thereof, will result in its or their acquisition of the power to
exercise, directly or indirectly, a controlling influence over the management or policies of such Person, or control over the equity securities of such Person entitled to vote for members of the board of directors or equivalent governing body of
such Person on a fully-diluted basis (and taking into account all such securities that such individual(s) or entity(s) or group has the right to acquire pursuant to any option right) representing 25% or more of the combined voting power of such
securities; 
 provided, however, a Change of Control shall not be deemed to have occurred as a result of any of the foregoing which arose
solely as a result of the death of Don Early and the subsequent disposition of equity securities owned by Don Early at his death by any trust under which Don Early was the Grantor as long as the purchaser of such equity securities shall not, after
such purchase, own 50% or more of the voting equity securities of such Person. 
 “Closing Date” means the date on which
this Agreement has been executed by the Borrower, the Lenders and the Agent and on which all conditions precedent to the making of the initial extensions of credit hereunder have been satisfied. 
 “Code” means the Internal Revenue Code of 1986, as amended from time to time, and the regulations thereunder. 
 “Collateral” means all assets of the Borrower and its Subsidiaries identified in the Security Agreement, the Pledge Agreement, the
Subsidiary Security Agreement(s), and any other security document delivered pursuant to this Agreement. 
  

 5 

 “Commitment” means, collectively, the Revolving Loan Commitments and the Term Loan
Commitments. 
 “Consolidated” or “consolidated” means, when used with reference to any financial term in
this Agreement, the aggregate for the Borrower and its Subsidiaries of the amounts signified by such term for all such Persons determined on a consolidated basis in accordance with GAAP. 
 “Consolidated EBITDA” means, for any period, the sum of (a) Consolidated Net Income during such period, plus (b) to the extent
deducted in determining such Consolidated Net Income, the sum of (i) Consolidated Interest Expense during such period, plus (ii) all provisions for any federal, state, local and/or foreign income taxes made by the Borrower and its
Subsidiaries during such period (whether paid, accrued or deferred), plus (iii) all depreciation and amortization expenses of the Borrower and its Subsidiaries during such period, plus (iv) any non-recurring losses approved by the Agent
and any extraordinary losses for such period, plus (v) any losses from the sale or other disposition of Property other than in the ordinary course of business during such period, plus (vi) the decrease, if any, during the subject period in
the Rate Hedging Termination Value under any Hedge Agreement to which such Person is a party to the extent such Rate Hedging Termination Value is owed or would be owed by such Person, plus (vii) the aggregate actual out of pocket transaction
fees and expenses incurred in connection with a Permitted Acquisition to the extent not capitalized by the Borrower and in any event, such aggregate amount not to exceed the greater of $50,000 or 5% of the purchase price of the acquired business or
assets in the Permitted Acquisition, but not to exceed $250,000, plus (viii) non-cash charges related to equity based compensation of employees or directors, minus (c) to the extent added in determining such Consolidated Net Income, the
sum of (i) any non-recurring gains approved by the Agent and any extraordinary gains during such period, minus (ii) the increase, if any, during the subject period in the Rate Hedging Termination Value under any Hedge Agreement to which
such Person is a party to the extent such Rate Hedging Termination Value is owed or would be owed to such Person, plus (iii) any gains from the sale or other disposition of Property other than in the ordinary course of business during such
period, all determined on a Consolidated basis in accordance with GAAP. Such Consolidated EBITDA may be adjusted for any Permitted Acquisition occurring after the Closing Date using the actual trailing twelve (12) month Consolidated EBITDA of
the acquired entity, as reviewed and approved by the Agent. 
 “Consolidated Excess Cash Flow” means the difference between
(a) Consolidated EBITDA during such period (excluding that portion of any pro forma trailing twelve-month Consolidated EBITDA adjustment, if any, for any Permitted Acquisition related to any period prior to the consummation of such Permitted
Acquisition), plus (b) decreases in Working Capital, minus (c) the sum of (i) the aggregate amount of all principal payments, whether scheduled payments, mandatory prepayments (excluding Consolidated Excess Cash Flow payments from
prior year) or voluntary prepayments, paid by the Borrower and the Subsidiaries on all debt during such period (including the principal portion of payments in respect of Capitalized Leases but, excluding principal payments on the Revolving Loans
except in connection with a permanent reduction in the Revolving Loan Commitment), (ii) all obligations for interest paid by the Borrower and the Subsidiaries or due in cash during such period (including, without limitation, the capitalized
interest portion of Capitalized Lease obligations paid or due in cash and the interest portion of any deferred payment obligation paid or due in 

  

 6 

 
cash during such period), (iii) all capital expenditures made by the Borrower and the Subsidiaries during such period (net of any debt incurred by the
Borrower or any such Subsidiary to finance such capital expenditure); (iv) all Federal, state, local or foreign income taxes paid or payable by the Borrower and the Subsidiaries in cash during such period; and (v) increases in Working
Capital, all determined on a consolidated basis and in accordance with GAAP. 
 “Consolidated Net Income” of the Borrower
means, for any period, the consolidated net income of the Borrower and its Subsidiaries determined in accordance with GAAP, but not including in the computation thereof the amounts (including related expenses and any tax effect related thereto)
resulting from: (a) any gains resulting from the revaluation of assets, (b) any gains resulting from an acquisition by the Borrower or any of its Subsidiaries at a discount of any debt of any Borrower or any of its Subsidiaries,
(c) any earnings of any Person acquired by the Borrower or any of its Subsidiaries through purchase, merger or consolidation or otherwise for any time prior to the date of acquisition, (d) any deferred credit representing the excess of
equity in any Subsidiary of the Borrower at the date of acquisition over the cost of the investment in such Subsidiary, or (e) any net gain from the collection of life insurance policies. 
 “Contingent Liabilities” of any Person means, as of any date, all obligations of such Person or of others for which such Person is
contingently liable, as obligor, guarantor, surety or in any other capacity, or in respect of which obligations such Person assures a creditor against loss or agrees to take any action to prevent any such loss (other than endorsements of negotiable
instruments for collection in the ordinary course of business), including all reimbursement obligations of such Person in respect of any letters of credit, surety bonds or similar obligations and all obligations of such Person to advance funds to,
or to purchase assets, property or services from, any other Person in order to maintain the financial condition of such other Person; provided, Contingent Liabilities shall not include Third Party Guarantees. 
 “Current Maturities of Long-Term Debt” means, as of any determination date, the aggregate amount of principal payments that were
required to be paid during twelve (12) months ending on the determination date on indebtedness (including the principal portion of payments in respect of Capital Leases, but excluding principal payments in respect of the Revolving Loans).

 “Default” means any of the events or conditions described in Section 8.01, the occurrence of which might become an
Event of Default with notice or lapse of time or both. 
 “Defaulting Lender” means any Lender that (i) has failed to
fund any portion of the Loans or Participations in the Letters of Credit required to be funded by it hereunder within one Business Day of the date required by it hereunder, (ii) has otherwise failed to pay over to the Agent or any other Lender
any other amount required to be funded by it hereunder within one Business Day of the date when due, unless the subject of a good faith dispute, or (c) has been deemed insolvent or become the subject of a bankruptcy or insolvency proceeding.

 “Default Rate” means the rate per annum which is two percent (2%) per annum in excess of the Base Rate, as adjusted
from time to time. 
  

 7 

 “Deposit Account Control Agreement” means any Deposit Account Control Agreement required
by Agent to perfect its security interest in cash deposits of the Borrower or a Guarantor which are held in a financial institution other than U.S. Bank. 
 “Distribution” means any declaration, payment or setting apart of any sum for payment of any dividend (except a dividend payable in common stock of the Borrower) on, or any distribution (except a
distribution in common stock of the Borrower) in respect of, any shares of capital stock of the Borrower. 
 “Dollars” and
“$” means, the lawful money of the United States of America. 
 “Eligible Loan Receivable” means a loan
which (i) arose in the ordinary course of the payday lending, installment lending or the title loan and auto loan finance business; (ii) is not more than ten (10) days past due; (iii) is not subject to a claim or threat of a
defense or set-off; (iv) is not due from a debtor that is deceased or dissolved or which is subject to a bankruptcy, insolvency, receivership or similar proceeding; (v) is not owed by an Affiliate; (vi) is not unacceptable to the
Agent in the exercise of its reasonable credit judgment; and (vii) is subject to a first-perfected security interest held by the Agent for the benefit of the Lenders; provided, however, any loan, or portion of a loan, which is
(x) a title loan that results in the total amount of title loans exceeding ten percent (10%) of total loans, (y) an installment loan originated in connection with the sale of an automobile through the Borrower’s auto sales
subsidiaries that results in the total amount of such loans exceeding ten percent (10%) of total loans, or (z) the rollover of a previous loan and results in the total amount of rollover loans exceeding thirty percent (30%) of total
loans, shall not constitute Eligible Loan Receivable. 
 “Environmental Laws” means any and all Governmental Regulations
concerning the protection of, or regulating the discharge of substances into, the environment, including the Governmental Regulations specified in the definition of Hazardous Materials. 
 “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time, and the regulations thereunder.

 “ERISA Affiliate” means, with respect to any Person, any trade or business (whether or not incorporated) which, together
with such Person or any Subsidiary of such Person, would be treated as a single employer under Section 414 of the Code. 
 “Event of Default” means any of the events or conditions described in Section 8.01. 
 “Federal Funds
Rate” for any day means the per annum rate (rounded upwards, if necessary, to the nearest one-hundredth of one percent (1/100%)) that is equal to the average of the rates on reserves traded for overnight use among members of the
Federal Reserve System arranged by federal funds brokers, as published for such day by the Federal Reserve Lender of New York, or, if such rate is not published for any day, the average of the quotations for such rates received by the Agent from
three federal funds brokers of recognized standing selected by the Agent in its discretion. 
 “First Closing Date” means
January 19, 2006. 
  

 8 

 “Fiscal Year” means the twelve (12) month fiscal period of Borrower and its
Subsidiaries which begins on January 1 of each calendar year and ends on December 31 of the same calendar year. 
 “Fixed
Charge Coverage Ratio” means, as of the date of determination, the ratio of Operating Cash Flow to Fixed Charges, all such items being calculated for the four (4) consecutive fiscal quarters of the Borrower ending on or immediately
prior to such date of determination. 
 “Fixed Charges” means, for the determination period, the sum of (i) Interest
Expense, (ii) Current Maturities of Long-Term Debt, and (iii) Operating Lease Expense, all as determined on a Consolidated basis in accordance with GAAP. 
 “Floating Index” means, at any time, the higher of (i) the Prime Rate or (ii) the Federal Funds Rate plus one-half of one percent (0.50%). 
 “Funding Date” means any Business Day designated by the Borrower as a day on which (a) a Loan is to be made, (b) a Base Rate
Loan is to be converted to a LIBOR Rate Loan, or (c) a Loan Period is to be renewed or extended, each in accordance with the terms and conditions of this Agreement. 
 “GAAP” means generally accepted accounting principles as set forth by governing accounting authorities in the United States of America, such as the Financial Accounting Standards Board and the
Securities and Exchange Commission, as such principles may change from time to time. 
 “Governmental Regulations” means any
and all laws, statutes, ordinances, rules, regulations, judgments, writs, injunctions, decrees, orders, awards and standards, or any similar requirement, of the government of the United States or any foreign government or any state, province,
municipality or other political subdivision thereof or therein or any court, agency, instrumentality, regulatory authority or commission of any of the foregoing. 
 “Guarantor” means QC Financial Services, Inc., a Missouri corporation, QC Properties, LLC, a Kansas limited liability company, QC Financial Services of California, Inc., a California corporation, QC
Advance, Inc., a Missouri corporation, Cash Title Loans, Inc., a Missouri corporation, QC Financial Services of Texas, Inc., a Kansas corporation, Express Check Advance of South Carolina, LLC, a Tennessee limited liability company, QC Auto Services,
Inc., a Kansas corporation, and QC Loan Services, Inc., a Kansas corporation, QC E-Services, Inc., a Kansas corporation, and any other Person that is now or hereafter becomes a guarantor of some or all of the Borrower’s Obligations to Agent and
the Lenders. 
 “Guaranty” means (i) the Subsidiary Guaranty delivered by QC Financial Services, Inc., a Missouri
corporation, QC Properties, LLC, a Kansas limited liability company, QC Financial Services of California, Inc., a California corporation, QC Advance, Inc., a Missouri corporation, Cash Title Loans, Inc., a Missouri corporation and QC Financial
Services of Texas, Inc., a Kansas corporation to Agent for the benefit of the Lenders on the First Closing Date, (ii) the Subsidiary Guaranty delivered by Express Check Advance of South Carolina, LLC, a Tennessee limited liability company, to
Agent for the benefit of the Lenders on December 1, 2006, (iii) the 

  

 9 

 
Subsidiary Guaranty delivered by QC Auto Services, Inc., a Kansas corporation and QC Loan Services, Inc., a Kansas corporation, and QC E-Services, Inc., a
Kansas corporation, to Agent for the benefit of the Lender on the Closing Date, and (iv) any other guaranty agreement delivered by a Person after the Closing Date, pursuant to which such Guarantors guarantee payment and performance of the
Obligations, as amended, supplemented or restated from time to time. 
 “Hazardous Materials” means asbestos-containing
materials, polychlorinated biphenyls, urea formaldehyde products, radon, radioactive materials and any “hazardous substance”, “hazardous waste”, “pollutant”, “toxic pollutant”, “oil” or
“contaminant” as used in, or defined pursuant to, the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended, 42 USC § 9601 et seq., and 40 CFR 302.1 et seq.; the Federal
Clean Air Act, as amended, 42 USC § 7401 et seq., and regulations thereunder; the Resource Conservation and Recovery Act, 42 USC § 6901 et seq., as amended, and regulations thereunder; the Federal Water
Pollution Control Act, 33 USC § 1251 et seq., as amended, and regulations thereunder; 40 CFR § 116.1 et seq. and § 129.1 et seq.; and any other substance, waste, pollutant, contaminant or
material, including petroleum products and derivatives, the use, transport, disposal, storage, treatment, recycling, handling, release, threatened release, or emission of which is regulated or governed by any Environmental Laws. 
 “Hedge Agreement” means any agreement between Borrower and a Lender or any Affiliate of a Lender now existing or hereafter entered into,
which provides for an interest rate or commodity swap, cap, floor, collar, forward foreign exchange transaction, currency swap, cross-currency rate swap, currency option, or any combination of, or option with respect to, these or similar
transactions, for the purpose of hedging Borrower’s exposure to fluctuations in interest rates, currency valuations or commodity prices. 
 “Indebtedness” of any Person means, (a) all obligations of such Person for borrowed money, (b) the principal components of all obligations of such Person as lessee under any Capital Lease, (c) all obligations
which are secured by any Lien existing on any asset or property of such Person whether or not the obligation secured thereby shall have been assumed by such Person, (d) the unpaid purchase price for goods, property or services acquired by such
Person, except for trade accounts payable arising in the ordinary course of business, (e) all obligations of such Person to purchase goods, property or services where payment therefor is required regardless of whether delivery of such goods or
property or the performance of such services is ever made or tendered (generally referred to as “take or pay contracts”), (f) all liabilities of such Person in respect of unfunded benefit liabilities (determined in accordance with
Section 4001(a)(18) of ERISA) under any Plan of such Person or of any ERISA Affiliate, (g) all obligations of such Person under any Hedge Agreement (valued in an amount equal to the highest termination payment, if any, that would be
payable by such Person upon termination for any reason on the date of determination), and (h) all Third-Party Guarantees of such Person. 
 “Interest Expense” means, for any period, all amounts recorded and deducted in computing the Borrower’s Consolidated Net Income for such period in respect of interest charges and expense (whether paid or accrued),
including the interest component payable with respect to any Capital Lease. 
  

 10 

 “Internal Control Event” means a material weakness in, or fraud that involves management
or other employees who have a significant role in, Borrower’s or a Guarantor’s internal controls over financial reporting, in each case as described in the Securities Laws. 
 “Investment” means any advance, loan, extension of credit or capital contribution to, or any investment in the capital stock or other
equity interests, or debt securities or other obligations of, another Person. 
 “Issuing Lender” means U.S. Bank, as issuer
of Letters of Credit issued under Section 2.12. 
 “Lender” refers to any bank which is a signatory hereto, any bank
which becomes a party to this Agreement after the Closing Date in accordance with the provisions of Section 11.07, and their respective successors and permitted transferees and assigns, and includes each of the Revolving Lenders, the Swingline
Lender and the Term Loan Lenders. 
 “Letter of Credit” means a standby or commercial letter of credit issued by the Issuing
Lender pursuant to Section 2.12 for the account of the Borrower which supports a financial undertaking of the Borrower or a Subsidiary in favor of a Person advancing credit or securing an obligation on behalf of the Borrower. 
 “Letter of Credit Commitment” means, with respect to each Lender, the obligation of such Lender to acquire Participations in respect of
Letters of Credit and Reimbursement Obligations up to an aggregate amount at any one time outstanding not to exceed the amount for such Lender set forth on Schedule 2.01 attached hereto. The total aggregate Letter of Credit Commitment of all
Lenders as of the Closing Date is $5,000,000. 
 “Letter of Credit Outstandings” means, as of any date of determination, the
aggregate amount available to be drawn under all Letters of Credit plus Reimbursement Obligations then outstanding. 
 “Leverage
Ratio” means the ratio of Total Consolidated Debt to Consolidated EBITDA as determined on a particular determination date. 
 “LIBOR Rate” means for any LIBOR Rate Loan and each Loan Period, the LIBOR Rate for the applicable Loan Period quoted by the Agent from Reuters Screen LIBOR01, or any successor thereto (which shall be the LIBOR Rate in
effect two (2) Business Days prior to commencement of the advance), adjusted for any reserve requirement and any subsequent costs arising from a change in government regulation. 
 “LIBOR Rate Loan” means any Loan which bears interest at or by reference to the Adjusted LIBOR Rate. 
 “Lien” means any pledge, assignment, hypothecation, mortgage, security interest, deposit arrangement, conditional sale or title
retention contract, sale and leaseback transaction, financing statement filing, lease for security purposes, subordination of any claim or right, or any other type of lien, charge, encumbrance, preferential arrangement or other claim or right.

  

 11 

 “Loan” means a Base Rate Loan or a LIBOR Rate Loan, whether a Revolving Loan, a
Swingline Loan or a Term Loan, made by a Lender pursuant to this Agreement and evidenced by a Note. 
 “Loan Documents”
means this Agreement, the Notes, the Security Agreement, any Guaranty, the Pledge Agreement, any Hedge Agreement, any Subsidiary Security Agreement (as described in Section 7.01(g)), any Deposit Account Control Agreement or Securities Account
Control Agreement and all other agreements, documents or instruments executed contemporaneously with the execution of this Agreement or hereafter executed by or on behalf of the Borrower or the Subsidiaries and delivered to the Agent or the Lenders
in connection with this Agreement. 
 “Loan Period” means, with respect to each LIBOR Rate Loan, the period commencing on
the Funding Date for such LIBOR Rate Loan and ending on the numerically corresponding day one (1) month, two (2) months, three (3) months or six (6) months thereafter, as specified by the Borrower in the Notice of Borrowing
submitted under Section 2.04; provided, however, that: 
 (a) if any Loan Period which would otherwise end on a day which
is not a Business Day, then the Loan Period shall end on the next succeeding Business Day unless the next succeeding Business Day falls in another calendar month, in which case such Loan Period shall end on the immediately preceding Business Day;

 (b) if any Loan Period begins on the last Business Day of a calendar month (or on a day for which there is no numerically corresponding
day in the calendar month at the end of such Loan Period), then the Loan Period shall end, subject to clause (c) below, on the last Business Day of the calendar month at the end of such Loan Period; 
 (c) any Loan Period which would otherwise end after the Termination Date shall end on the Termination Date; and 
 (d) the interest rate applicable to any Loan Period shall apply from and include the first day of such Loan Period to, but excluding, the last day of
such Loan Period. 
 “Loss Ratio” means, for the period of determination, the percentage of the provision for losses to
revenues, as each item is shown on the consolidated income statement of the Borrower and its Subsidiaries, as determined in accordance with GAAP. 
 “Mandatory Prepayment” means the obligation of the Borrower to apply the following to the reduction of the outstanding principal amount of the Term Loans: 
 (i) Fifty percent (50%) of Borrower’s Consolidated Excess Cash Flow if the Borrower’s Leverage Ratio as of the last test
date of the most recently completed fiscal year is greater than or equal to 2.00x and twenty five percent (25%) of Borrower’s Consolidated Excess Cash Flow if Borrower’s Leverage Ratio as of the last test date of the most recently
completed fiscal year is less than 2.00x and greater than or equal to 1.00x. 
  

 12 

 (ii) One Hundred Percent (100%) of the Net Proceeds from the sale of Property to the
extent the aggregate amount of such Net Proceeds are not used within one hundred eighty (180) days after receipt thereof by the Borrower or the applicable Subsidiary, as the case may be, to purchase replacement assets, and 
 (iii) One Hundred Percent (100%) of the Net Proceeds received by the Borrower from the issuance of any capital stock or other equity
securities or from the issuance of any subordinated debt subsequent to the Closing Date. 
 “Material Adverse Event” means
any event, occurrence or state of facts which has or could have a material adverse effect on the business, properties, assets, operations, condition (financial or otherwise) or prospects of Borrower and its Subsidiaries on a consolidated basis.

 “Multi-Employer Plan” means any “multi-employer plan” as defined in Section 4001(a)(3) of ERISA or
Section 414(f) of the Code. 
 “Net Proceeds” means cash payments received by Borrower or any Subsidiary from
(i) any public or private offering of any security (other than stock options or restricted stock granted to employees, officers, directors or other parties pursuant to a stock option or equity incentive plan or agreement), net of all customary
legal, accounting, banking and underwriting fees and expenses, commissions or discounts and other issuance expenses incurred in connection therewith and all taxes required to be paid as a result of such issuance or (ii) the sale of Property
(other than the sale of inventory or bad debt in the ordinary course of business, but including the sale of stock or membership interest of any Subsidiary) less expenses of the sale and taxes actually paid due to such sale. 
 “Notes” means, collectively, the Revolving Loan Notes, the Swingline Note and the Term Loan Notes. 
 “Notice of Borrowing” has the meaning given such term in Section 2.04(a). 
 “Obligations” means the principal of and interest on the Loans, Borrower’s reimbursement obligations and amounts available to be
drawn by Borrower with respect to the Letters of Credit, and all other indebtedness, obligations and liabilities of the Borrower to the Agent or the Lenders under, arising out of or in connection with this Agreement or any other Loan Document
(including indemnities, fees and expenses), whether now existing or hereafter incurred, direct or indirect, absolute or contingent, matured or unmatured, joint or several, whether for principal, interest, reimbursement obligations, fees, expenses or
otherwise, and the due performance and compliance by the Borrower with the terms and conditions of this Agreement and the other Loan Documents including, without limitation, all obligations of the Borrower to a Lender under any Hedge Agreement.

 “Operating Cash Flow” means, for the determination period, the sum of (i) Consolidated EBITDA, plus
(ii) Operating Lease Expense, minus (iii) Capital Expenditures, minus (iv) the aggregate amount of all federal, state, local and/or foreign income taxes made by Borrower and its Subsidiaries, minus (v) the value or amount of a
Distribution, other than the Distribution made with the proceeds of the Term Loans, all as determined on a Consolidated basis in accordance with GAAP. 
  

 13 

 “Operating Lease Expense” means payments under any leases other than Capital Leases.

 “Participation” means, with respect to any Lender (other than the Issuing Lender) and a Letter of Credit, the extension
of credit represented by the participation of such Lender hereunder in the liability of the Issuing Lender in respect of a Letter of Credit issued by the Issuing Lender in accordance with the terms of Section 2.12. 
 “PBGC” means the Pension Benefit Guaranty Corporation and any entity succeeding to any or all of its functions under ERISA. 

“Permitted Acquisition” means an Acquisition that satisfies each of the following requirements: (i) the target Person is in the
same line of business as Borrower, (ii) the total consideration paid for any single Acquisition shall not exceed $5,000,000, (iii) the aggregate consideration paid for all such Acquisitions, from the Closing Date through the Termination
Date does not exceed $25,000,000, (iv) after giving effect to the Acquisition, the Borrower shall have a minimum liquidity of not less than three months of Cash Operating Expenses and the Leverage Ratio of the Borrower shall be 0.25x less than
the Leverage Ratio required pursuant to Section 7.02(c) of this Agreement, (v) if the Acquisition takes the form of a merger, the Borrower or one of its wholly-owned subsidiaries must be the surviving entity, (vi) the Acquisition
shall not create a Default or Event of Default under this Agreement, and (vii) not later than five (5) Business Days prior to the consummation of the proposed Acquisition, the Borrower shall have provided to the Agent pro forma financial
statements giving effect to the Acquisition which demonstrate continued compliance with the financial covenants contained in this Agreement. 
 “Permitted Investments” means, with respect to any Person: 
 (a) Investments in Cash Equivalents; 
 (b) Investments in entities which, as of the Closing Date, are existing Subsidiaries of the Borrower or one of its Subsidiaries; 
 (c) existing Investments as of the Closing Date, and any renewals, refinancings or extensions of such existing Investments, in partnerships, joint
ventures or limited liability companies in which the Borrower or one of its Subsidiaries has less than a majority ownership or other equity interest; 
 (d) travel or relocation advances or loans extended to officers and employees in the ordinary course of business of the Borrower or a Subsidiary, not to exceed $250,000 in the aggregate at any time; 
 (e) Investments in entities which, after the Closing Date, become Subsidiaries of the Borrower or any Subsidiary of the Borrower in compliance with
Section 7.02(f); 
 (f) the purchase of life insurance policies upon the lives of key employees or directors; and 
  

 14 

 (g) other Investments not to exceed $500,000 in the aggregate at any one time outstanding on a
consolidated basis at any time after the Closing Date. 
 “Permitted Liens” means the Liens permitted by
Section 7.02(e). 
 “Person” or “person” includes an individual, a corporation, a limited liability
company, an association, a partnership, a trust or estate, a joint stock company, an unincorporated organization, a joint venture, a trade or business (whether or not incorporated), a government (foreign or domestic) and any agency or political
subdivision thereof, or any other entity. 
 “Plan” means, with respect to any Person, any pension plan (other than a
Multi-Employer Plan) subject to Title IV of ERISA or to the minimum funding standards of Section 412 of the Code which has been established or maintained by such Person, any subsidiary of such Person or any ERISA Affiliate, or by any other
Person if such Person, any subsidiary of such Person or any ERISA Affiliate could have liability with respect to such pension plan. 
 “Pledge Agreement” means, collectively, the Pledge Agreement executed on the First Closing Date by the Borrower in favor of Agent for the benefit of the Lenders, as amended by a First Amendment to Pledge Agreement dated as
of the Closing Date and the Amended and Restated Pledge Agreement executed on the First Closing Date by QC Financial Services, Inc. in favor of Agent for the benefit of the Lenders, as amended by a First Amendment to Pledge Agreement dated
December 1, 2006 as each agreement is further amended, supplemented or restated from time to time. 
 “Prime Rate”
means the prime or base rate of interest as announced by Agent, as in effect from time to time, which rate may not be the lowest rate charged by said Agent to any of its customers, and which Prime Rate shall change simultaneously with any change in
such announced rate. 
 “Prohibited Transaction” means any transaction involving any Plan which is proscribed by
Section 406 of ERISA or Section 4975 of the Code. 
 “Property” means any kind of asset or property, whether real,
personal or mixed, tangible or intangible, in which Borrower or any of its Subsidiaries has an interest of any type or right of possession. 
 “Rate Hedging Termination Value” means in respect of any Hedge Agreement, after taking into account the effect of any legally enforceable netting agreement relating to such Hedge Agreement, (a) for any date on or after
the date such Hedge Agreement has been closed out and a termination value determined in accordance therewith, such termination value and (b) for any date prior to the date referenced in clause (a), the amount determined as the mark-to-market
value for such Hedge Agreement, as determined based upon one or more mid-market or other readily available quotations provided by any recognized dealer in such Hedge Agreement (which may include a Lender or any Affiliate of a Lender). 
 “Reimbursement Obligation” means at any time the obligation of the Borrower with respect to any Letter of Credit to reimburse the
Issuing Lender for amounts theretofore paid by the Issuing Lender pursuant to a drawing under such Letter of Credit. 
  

 15 

 “Related Company Contingent Liabilities” means Contingent Liabilities of the Borrower
incurred with respect to payment and/or performance obligations of a Subsidiary and Contingent Liabilities of a Subsidiary incurred with respect to payment and/or performance obligations of another Subsidiary or the Borrower. 
 “Reportable Event” means a reportable event as described in Section 4043(b) of ERISA including those events as to which the 30-day
notice period is waived under Part 2615 of the regulations promulgated by the PBGC under ERISA. 
 “Required Lenders” means,
at any time, the Lenders owning at least a majority of the aggregate outstanding Commitments, excluding the Commitments of any Defaulting Lenders. 
 “Revolving Lender” means each Lender with a Revolving Loan Commitment, together with its successors and permitted assigns. The initial Revolving Lenders are set forth in Schedule 2.01. 
 “Revolving Loan Commitment” means, with respect to each Revolving Lender: (i) the obligation of such Lender to make Revolving Loans
to the Borrower under this Agreement in an aggregate principal amount at any one time outstanding not to exceed the amounts set forth for that Revolving Lender on Schedule 2.01 attached hereto, and (ii) the obligation of such
Revolving Lender to purchase Participations in Letter of Credit and Reimbursement Obligations in an aggregate amount at any one time outstanding not to exceed the amount set forth for that Lender on Schedule 2.01 attached hereto.

 “Revolving Loans” has the meaning given such term in Section 2.01(a). 
 “Revolving Loan Note” means a Promissory Note, substantially in the form of Exhibit A, given to evidence a Revolving Loan, as amended,
restated, modified, supplemented, extended, renewed or replaced. 
 “Securities Account Control Agreement” means any control
agreement required by the Agent to perfect its security interest in any securities account or investment property of the Borrower or a Guarantor. 
 “Security Agreement” means the Security Agreement executed on the First Closing Date by Borrower in favor of Agent for the benefit of the Lenders, as amended, supplemented or restated from time to time. 
 “Security Laws” means the Securities Act of 1933, the Securities Exchange Act of 1934, Sarbanes-Oxley and the applicable accounting and
auditing principles, rules, standards and practices promulgated, approved or incorporated by the Securities Exchange Commission or the Public Company Accounting Oversight Board, as each of the foregoing may be amended and in effect on any applicable
date hereunder. 
 “Solvent” means, with respect to any Person on a particular determination date, that on such date
(i) the fair value of the property of such Person is greater than the total amount of debts and other liabilities, including, without limitation, contingent and unliquidated liabilities, of such Person, (ii) such Person is able to realize
upon its assets and pay its debts and other liabilities, 

  

 16 

 
contingent obligations and other commitments as they mature in the normal course of business, (iii) such Person does not intend to, and does not believe
that it will, incur debts or other liabilities beyond such Person’s ability to pay as such debts and other liabilities mature or become due, and (iv) such Person is not engaged in a business or a transaction for which such Person’s
property would constitute unreasonably small capital. 
 “Subsidiary” of any Person means any other Person (whether now
existing or hereafter organized or acquired) in which at least a majority of the securities or other ownership interests of each class having ordinary voting power or analogous rights of such other Person are owned (other than securities or other
ownership interests which at the time as of which any determination is being made, are owned or have such power or right only by reason of the happening of a contingency), beneficially and of record, by such Person or by one or more of the other
Subsidiaries of such Person or by any combination thereof. Unless the context otherwise provides, “Subsidiary” means a Subsidiary of Borrower. 
 “Subsidiary Security Agreement” means (i) the Subsidiary Security Agreement delivered on the First Closing Date by the initial Guarantors to the Agent for the benefit of the Lenders,
(ii) the Subsidiary Security Agreement delivered on December 1, 2006 by Express Check Advance of South Carolina, LLC to the Agent for the benefit of the Lenders, (iii) the Subsidiary Security Agreement delivered on the Closing Date by
QC Auto Services, Inc., QC Loan Services, Inc. and QC E-Services, Inc. for the benefit of the Lenders and (iv) any Subsidiary Security Agreement delivered after the Closing Date by a new Subsidiary pursuant to this Agreement. 
 “Swingline Lender” means U.S. Bank. 
 “Swingline Loan” has the meaning given such term in Section 2.02(a). 
 “Swingline Note” means a Promissory Note, substantially in the form of Exhibit B, given to evidence a Swingline Loan, as amended, restated, modified, supplemented, extended, renewed or replaced. 
 “Swingline Sublimit” means $5,000,000. 
 “Term Loan” has the meaning given such term in Section 2.03(a). 
 “Term Loan
Commitment” means, for each Term Loan Lender, the commitment of such Lender to make a portion of the Term Loan hereunder; provided that, at any time after funding of the Term Loan, determinations of “Required
Lenders” and shall be based on the then outstanding principal balance of the Term Loan. 
 “Term Loan Committed Amount”
means, for each Term Loan Lender, the amount of such Lender’s Term Loan Commitment. The initial Term Loan Committed Amounts are set out in Schedule 2.03. 
 “Term Loan Lender” means a Lender with a Term Loan Commitment, together with its successors and permitted assigns. The initial Term Loan Lenders are identified on the signature pages hereto.

  

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 “Term Loan Note” means a Promissory Note, substantially in the form of Exhibit C, given
to evidence a Term Loan, as amended, restated, modified, supplemented, extended, renewed or replaced. 
 “Termination Date”
means the earlier to occur of (a) December 6, 2012, or (b) the date on which the Commitments shall be terminated pursuant to Section 2.07. 
 “Third Party Guarantee” means, with respect to any Person, any obligation, contingent or otherwise, of such Person guaranteeing or having the economic effect of guaranteeing any Indebtedness of any
other Person in any manner, whether directly or indirectly; and including any obligation of the guarantor, direct or indirect, (a) to purchase or pay (or advance or supply funds for the purchase or payment of) such Indebtedness or other
obligation or to purchase (or to advance or supply funds for the purchase of) any security for the payment thereof, (b) to purchase or lease property, securities or services for the purpose of assuring the owner of such Indebtedness or other
obligation of the payment thereof, (c) to maintain working capital, equity capital or any other financial statement condition or liquidity of the primary obligor so as to enable the primary obligor to pay such Indebtedness or other obligation
or (d) as an account party in respect of any letter of credit or letter of guaranty issued to support such Indebtedness or obligation, provided, that the term Third Party Guarantee shall not include endorsements for collection or deposit
in the ordinary course of business (including, but not limited to, third-party bill payment receipts and remittances, money-transfer services, or money-order sales) or a Guaranty in favor of the Agent. 
 “Total Consolidated Debt” means all Indebtedness for borrowed money (including obligations under this Agreement and the principal
component of Capital Leases), except: (i) loans between Borrower and its Subsidiaries which are Guarantors hereunder, and (ii) Third-Party Guarantees issued by QC Financial Services of Texas, Inc. as a credit service organization.

 “Type of Loan” has the meaning given such term in Section 2.01(a). 
 “U.S. Bank” means U.S. Bank National Association. 
 “Working Capital” means current assets excluding cash less current liabilities, as each such item is shown on the Consolidated balance sheet of Borrower and determined in accordance with GAAP.

 1.02 Certain Rules of Construction. For purposes of this Agreement: 
 (a) Certain References. The words “herein”, “hereof” and “hereunder”, and words of similar import, refer to this
Agreement as a whole and not to any particular provision of this Agreement, and references to Articles, Sections, Exhibits or Schedules, and similar references, are to Articles or Sections of, or Exhibits or Schedules to, this Agreement unless
otherwise specified. 
 (b) General Rules. Unless the context otherwise requires: (i) the singular includes the plural, and
vice versa; (ii) all definitions and references to an agreement, instrument or document shall mean such agreement, instrument or document together with all exhibits and schedules thereto and any and all amendments, supplements or
modifications thereto as the same 

  

 18 

 
may be in effect at the time such definition or reference is applicable for any purpose; (iii) all references to any party shall include such
party’s successors and permitted assigns; and (iv) the term “including” means including, without limitation. 
 (c)
Accounting Terms. All accounting terms used herein that are not expressly defined in this Agreement shall have the meanings given to them in accordance with GAAP, all computations made pursuant to this Agreement shall be made in accordance
with GAAP, except as otherwise expressly permitted or directed by this Agreement, and all financial statements shall be prepared in accordance with GAAP. 
 ARTICLE II. THE CREDIT FACILITY 
 2.01 Revolving Loans. 
 (a) Revolving Loans. Subject to the terms and conditions of this Agreement, each of the Revolving Lenders, severally and not jointly, agrees to
make revolving credit loans (“Revolving Loans”) to Borrower from time to time from and including the Closing Date to but excluding the Termination Date on a pro rata basis as to the total borrowings requested by Borrower based on
such Revolving Lender’s Applicable Revolving Commitment Percentage, up to, but not exceeding in the aggregate principal amount at any one time outstanding, the amount of such Lender’s Revolving Loan Commitment; provided,
however, that no Revolving Lender shall have any obligation to make a Revolving Loan if: (i) a Default or Event of Default exists or would result from such Revolving Loan, (ii) the sum of outstanding Revolving Loans made by the
Revolving Lender plus the Revolving Lender’s pro rata share of Letter of Credit Outstandings based on the Revolving Lender’s Applicable Revolving Commitment Percentage would exceed that Revolving Lender’s Revolving Loan Commitment, or
(iii) the sum of outstanding Revolving Loans made by all Revolving Lenders plus all Letter of Credit Outstandings and Swingline Loans would exceed the lesser of (A) the aggregate Revolving Commitments of all Revolving Lenders and
(B) the Borrowing Base. Revolving Loans may be outstanding as Base Rate Loans or LIBOR Rate Loans (each a “Type of Loan”). Within the limits of the aggregate Revolving Loan Commitments and the Borrowing Base and subject to the
other terms and conditions of this Agreement, the Revolving Loans may be borrowed, repaid and reborrowed by the Borrower, in its discretion, from time to time prior to the Termination Date. Agent may, with three (3) Business Days prior notice
to or the consent of Borrower, make a Revolving Loan to pay any interest due, any Reimbursement Obligations, or any fees, cash or expenses due from Borrower to the Agent or the Revolving Lender under this Agreement and such Revolving Loan will be
deemed made by the Revolving Lenders on a pro rata basis based on their Applicable Revolving Loan Commitment Percentages. 
 (b) Principal
Payments. Unless earlier payment is required under this Agreement, the Revolving Loans shall be due and payable to the Revolving Lenders on the Termination Date. If at any time the outstanding principal amount of Revolving Loans made by a
Revolving Lender plus that Revolving Lender’s pro rata share of Letter of Credit Outstandings based on the Revolving Lender’s Applicable Revolving Commitment Percentage shall exceed that Revolving Lender’s Revolving Loan Commitment,
the Borrower shall forthwith pay to the Agent for disbursement to said Revolving Lender an amount not less than the amount of any such excess for application to the outstanding principal amount of the Revolving Loans of that 

  

 19 

 
Revolving Lender. If at any time the outstanding principal amount of Revolving Loans made by all Revolving Lenders plus all Letter of Credit Outstandings
exceeds the lesser of (i) the aggregate Revolving Commitments of all Lenders and (ii) the Borrowing Base, the Borrower shall forthwith pay to the Agent for disbursement to the Revolving Lenders an amount not less than the amount of any
such excess for application to the outstanding principal amount of the Revolving Loans of all Revolving Lenders; provided, however, insofar as any excess results from the Agent reclassifying any Eligible Loan Receivable as ineligible
under the Borrowing Base based upon the exercise of the Agent’s reasonable credit judgment (the amount of such excess attributable to such reclassification being the “Reclassification Amount”), the Borrower shall pay the
Reclassification Amount to the Agent for disbursement to the Revolving Lenders not later than fourteen (14) days after Borrower receives written notice from the Agent of such reclassification and the Reclassification Amount. Each such payment
shall be applied first against Revolving Loans that are Base Rate Loans which are then outstanding until payment in full thereof. If any such payment prepays Revolving Loans that are the Base Rate Loans in full, the balance of such payment shall be
applied to any LIBOR Rate Loans which are then outstanding in the order in which such LIBOR Rate Loans first become due. 
 (c) Revolving
Notes. The Revolving Loan of each Revolving Lender to the Borrower made pursuant to this Agreement shall be evidenced by a single promissory note in favor of such Lender in the form of Exhibit A, dated the Closing Date, duly completed and
executed by the Borrower. 
 (d) Use of Proceeds. The Borrower shall use the proceeds of the Revolving Loans for working capital
purposes, to finance the costs of Capital Expenditures and for its general corporate purposes, including the costs of a Permitted Acquisition. The proceeds of the Revolving Loans shall not be advanced by the Borrower to any Subsidiary which is not a
Guarantor hereunder. 
 2.02 Swingline Loans. 
 (a) Swingline Loans. Subject to the terms and conditions of this Agreement, the Swingline Lender agrees, in reliance upon the agreements of the other Revolving Lenders set forth herein, to make revolving credit
loans (the “Swingline Loans”) to Borrower from time to time on any Business Day from and including the Closing Date, to, but excluding, the Termination Date in an aggregate amount not to exceed at any time outstanding the Swingline
Sublimit; provided, however, that after giving effect to any Swingline Loan, that the Swingline Lender shall not have any obligation to make a Swingline Loan if: (i) a Default or Event of Default exists or would result from the
making of such Swingline Loan, (ii) the sum of outstanding Swingline Loans made by the Swingline Lender plus the Swingline Lender’s pro rata share of Letter of Credit Outstandings and Revolving Loans based on the Revolving Lender’s
Applicable Revolving Commitment Percentage would exceed that Revolving Lender’s Revolving Loan Commitment, or (iii) the sum of outstanding Revolving Loans made by all Revolving Lenders plus all Letter of Credit Outstandings and Swingline
Loans would exceed the lesser of (A) the aggregate Revolving Commitments of all Revolving Lenders and (B) the Borrowing Base. Swingline Loans will be comprised solely of Base Rate Loans and may be repaid and reborrowed in accordance with
the provisions hereof. Immediately upon the making of a Swingline Loan, each Revolving Lender shall be deemed to, and hereby irrevocably and unconditionally agrees to, purchase from the Swingline Lender a participation interest in such Swingline
Loan in an amount equal to the product of such Lender’s Revolving Commitment Percentage thereof. 
  

 20 

 (b) Borrowing Procedures. Each Swingline Loan request shall be made upon Borrower’s
irrevocable notice to the Swingline Lender and Agent, which may be given by telephone. Each such notice must be received by the Swingline Lender and Agent not later than 1:00 p.m. St. Louis time on the requested borrowing date, and shall specify
(i) the amount to be borrowed, which shall be a minimum of $100,000, and (ii) the requested borrowing date, which shall be a Business Day. Each such telephonic notice must be confirmed promptly by delivery to the Swingline Lender and Agent
of a written Notice of Borrowing, appropriately completed and signed by an authorized officer of Borrower. Promptly after receipt by the Swingline Lender of any telephonic notice, the Swingline Lender will confirm with Agent (by telephone or in
writing) that Agent has also received the notice and, if not, the Swingline Lender will notify Agent (by telephone or in writing) of the contents thereof. Unless the Swingline Lender has received notice (by telephone or in writing) from Agent
(including at the request of any Revolving Lender) prior to 2:00 p.m. St. Louis time on the date of the proposed Swingline borrowing (A) directing the Swingline Lender not to make such Swingline Loan as a result of the limitations set forth in
the proviso to the first sentence of Section 2.02(a), or (B) that a Default or Event of Default exists or would result from such Swingline Loan, then, subject to the terms and conditions hereof, the Swingline Lender will, not later
than 3:00 p.m. St. Louis time on the borrowing date specified in such Swingline Loan notice of Borrowing, make the amount of such Swingline Loan available to Borrower. The Revolving Lenders agree that the Swingline Lender may agree to modify
the borrowing procedures used in connection with Swingline Loans in its discretion and without affecting any of the obligations of Revolving Lenders hereunder other than notifying Agent of a Swingline Loan Notice. 
 (c) Refinancing of Swingline Loans. 
 (i) The Swingline Lender at any time in its sole and absolute discretion may request, on behalf of Borrower (which hereby irrevocably authorizes the Swingline Lender to so request on its behalf), that each Revolving
Lender make a Base Rate Loan in an amount equal to such Revolving Lender’s Applicable Revolving Loan Percentage of the amount of Swingline Loans then outstanding. Such request shall be made in writing (which written request shall be deemed to
be a Notice of Borrowing for purposes hereof) and in accordance with the requirements of Section 2.04, without regard to the minimum and multiples specified therein for the principal amount of Base Rate Loans, but subject to the
unutilized portion of the Aggregate Revolving Loan Commitments and the conditions set forth in Section 5.02. The Swingline Lender shall furnish Borrower with a copy of the applicable Notice of Borrowing promptly after delivering such
notice to Agent. Each Revolving Lender shall make an amount equal to its Applicable Revolving Loan Percentage of the amount specified in such Notice of Borrowing available to Agent in immediately available funds for the account of the Swingline
Lender at the Agent’s Office not later than 1:00 p.m. St. Louis time on the day specified in such Notice of Borrowing, whereupon, subject to Section 2.02(c)(ii), each Revolving Lender that so makes funds available shall be deemed to
have made a Base Rate Loan to Borrower in such amount. Agent shall remit the funds so received to the Swingline Lender. 
  

 21 

 (ii) If for any reason any Swingline Loan cannot be refinanced by such a borrowing of
Revolving Loans in accordance with Section 2.02(c)(i), the request for Base Rate Loans submitted by the Swingline Lender as set forth herein shall be deemed to be a request by the Swingline Lender that each of the Revolving Lenders fund
its risk participation in the relevant Swingline Loan and each Revolving Lender’s payment to Agent for the account of the Swingline Lender pursuant to Section 2.02(c)(i) shall be deemed payment in respect of such participation.

 (iii) If any Revolving Lender fails to make available to Agent for the account of the Swingline Lender any amount required
to be paid by such Revolving Lender pursuant to the foregoing provisions of this Section 2.02(c) by the time specified in Section 2.02(c)(i), the Swingline Lender shall be entitled to recover from such Revolving Lender
(acting through Agent), on demand, such amount with interest thereon for the period from the date such payment is required to the date on which such payment is immediately available to the Swingline Lender at a rate per annum equal to the greater of
the Federal Funds Rate and a rate determined by the Swingline Lender in accordance with banking industry rules on interbank compensation, plus any administrative, processing or similar fees customarily charged by the Swingline Lender in
connection with the foregoing. If such Revolving Lender pays such amount (with interest and fees as aforesaid), the amount so paid shall constitute a Revolving Loan made by such Revolving Lender or funding of its risk participation in the relevant
Swingline Loan, as the case may be. A certificate of the Swingline Lender submitted to any Revolving Lender (through Agent) with respect to any amounts owing under this clause (iii) shall be conclusive absent manifest error. 
 (iv) Each Revolving Lender’s Commitment to make Revolving Loans or to purchase and fund risk participations in Swingline Loans
pursuant to this Section 2.02(c) shall be absolute and unconditional and shall not be affected by any circumstance, including (A) any setoff, counterclaim, recoupment, defense or other right which such Revolving Lender may have
against the Swingline Lender, Borrower or any other Person for any reason whatsoever, (B) the occurrence or continuance of a Default, or (C) any other occurrence, event or condition, whether or not similar to any of the foregoing;
provided, however, that each Revolving Lender’s obligation to make Revolving Loans pursuant to this Section 2.02(c) is subject to the conditions set forth in Section 5.02. No such funding of risk
participations shall relieve or otherwise impair the obligation of Borrower to repay Swingline Loans, together with interest as provided herein. 
 (d) Repayment of Participations. 
 (i) At any time after any Revolving Lender has purchased and funded a risk
participation in a Swingline Loan, if the Swingline Lender receives any payment on account of such Swingline Loan, the Swingline Lender will distribute to such Revolving Lender its Applicable Revolving Commitment Percentage thereof in the same funds
as those received by the Swingline Lender. 
 (ii) If any payment received by the Swingline Lender in respect of principal or
interest on any Swingline Loan is required to be returned by the Swingline 

  

 22 

 
Lender under any of the circumstances, each Revolving Lender shall pay to the Swingline Lender its Applicable Revolving Loan Percentage thereof on demand of
Agent, plus interest thereon from the date of such demand to the date such amount is returned, at a rate per annum equal to the greater of the Federal Funds Rate and a rate determined by the Swingline Lender in accordance with banking industry rules
on interbank compensation, plus any administrative processing or similar fees customarily charged by the Swingline Lender in connection with the foregoing. Agent will make such demand upon the request of the Swingline Lender. The obligations of the
Revolving Lenders under this clause shall survive the payment in full of the Obligations and the termination of this Agreement. 
 (e)
Interest for Account of the Swingline Lender. The Swingline Lender shall be responsible for invoicing Borrower for interest on the Swingline Loans. Until each Revolving Lender funds its Base Rate Loan or risk participation pursuant to this
Section 2.02 to refinance such Revolving Lender’s Applicable Revolving Loan Percentage of any Swingline Loan, interest in respect of such Applicable Revolving Loan Percentage shall be solely for the account of the Swingline Lender.

 (f) Payments Directly to the Swingline Lender. Borrower shall make all payments of principal and interest in respect of the
Swingline Loans directly to the Swingline Lender. 
 (g) Swingline Note. The Swingline Loan of the Swingline Lender to the Borrower
pursuant to this Agreement shall be evidenced by a single promissory note in the form of Exhibit B, dated the Closing Date, duly completed and executed by the Borrower. 
 (h) Use of Proceeds. The Borrower shall use the proceeds of the Swingline Loan for the purposes set forth in Section 2.01(d). 
 2.03 Term Loan Commitments. 
 (a)
Term Loans. On or before December 26, 2007, as requested by Borrower, each of the Term Loan Lenders severally agrees to make its portion of a term loan, in the amount of its respective Term Loan Committed Amount, to Borrower in a single
advance in an aggregate principal amount of Fifty Million Dollars ($50,000,000) (the “Term Loan”). The Term Loan may consist of Base Rate Loans, LIBOR Rate Loans or a combination thereto, as the Borrower may request. Amounts paid on
the Term Loan may not be reborrowed. 
 (b) The Term Loan shall, unless earlier repaid, be repaid in twenty (20) scheduled installments.
The first nineteen (19) scheduled installments will be paid on the last day of each calendar quarter, as follows: 
  

				
	 Payment Dates
	  	Amount per Payment
	 March 31, 2008 through December 31, 2008
	  	$	1,000,000
	 March 31, 2009 through December 31, 2009
	  	$	1,250,000
	 March 31, 2010 through December 31, 2010
	  	$	1,500,000
	 March 31, 2011 through December 31, 2011
	  	$	1,750,000
	 March 31, 2012 through September 30, 2012
	  	$	2,000,000

  

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 The twentieth and final installment in the amount of the remaining principal balance shall be payable on
the Termination Date. 
 (c) Mandatory Prepayment. In addition to the principal payments of the Term Loan referenced in
Section 2.03(b) above, for the ratable benefit of the Lenders Borrower shall make payment to the Agent in the amount of the Mandatory Prepayment, if any: (i) within one hundred twenty (120) days after the end of each fiscal
year of the Borrower, commencing with the fiscal year ending December 31, 2008, on account of Consolidated Excess Cash Flow (as described in item (i) of the definition of the term “Mandatory Prepayment”), (ii) within one
hundred eighty (180) days after receipt of Net Proceeds on the account of the sale of Property (as described in item (ii) of the definition of the term “Mandatory Prepayment”) and (iii) within five (5) days of receipt
of Net Proceeds on the account of the issuance of stock or subordinated debt (as described in item (iii) of the definition of the term “Mandatory Prepayment”). Each Mandatory Prepayment shall be applied to the Term Loan and will
reduce future principal payments due under the Term Loan in the inverse order of their maturities. Each scheduled payment under Section 2.03(b) and each payment under this Section 2.03(c) shall permanently reduce the Term Loan Commitment
and each Term Loan Lender’s Term Loan Committed Amount. 
 (d) Term Notes. The Term Loan of each Term Loan Lender to the Borrower
made pursuant to this Agreement shall be evidenced by a single promissory note in favor of such Term Loan Lender in the form of Exhibit C, dated the Closing Date, duly completed and executed by the Borrower. 
 (e) Use of Proceeds. The Borrower shall use the proceeds of the Term Loans for the payment of a special cash dividend on the Borrower’s
common stock and to pay fees related to this Agreement. 
 2.04 Borrowings. 
 (a) Loans and Letters of Credit. In order to obtain a Loan or Letter of Credit, the Borrower shall give Agent written (which may be a telecopy as
provided in Subsection 11.02) or telephone notice (each telephone notice to be promptly confirmed in writing if required by Agent) of each borrowing or request for Letter of Credit to be made hereunder as provided in Sections 2.08 or 2.12. Each such
notice shall be in the form of a “Notice of Borrowing” in substantially the form of Exhibit F hereto, specifying therein (i) the requested date of the proposed Loan (or in the case of a Letter of Credit, the proposed
date of the Letter of Credit and the other terms and conditions relating to such Letter of Credit, which shall be as agreed upon by the Issuing Lender and the Borrower), (ii) whether the Loan is a Revolving Loan or a Swingline Loan,
(iii) the aggregate amount of the proposed Loan (or where applicable Letter of Credit), and (iv) in the case of a LIBOR Rate Loan, the Loan Period therefor, or in the case of a Letter of Credit, the expiry date therefor and the proposed
beneficiary. Not later than 3:00 p.m. St. Louis time on the date of such Loan, the Agent shall, subject to the conditions of this Agreement, make the amount of the Loan to be made by the Lenders on such day available to the Borrower in immediately
available funds, by crediting an account of the Borrower designated by the Borrower and maintained with Agent. 
  

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 2.05 Prepayments and Conversions. Subject to Section 3.03 hereof with respect to LIBOR Rate
Loans, the Borrower shall have the right to make prepayments of principal on any Loan, in whole or in part, without payment of any penalty or premium, or to convert one Type of Loan into another Type of Loan (provided, Swingline Loans shall be Base
Rate Loans only), at any time or from time to time; provided, however, that each partial prepayment, which is not a Mandatory Prepayment, shall be in an amount of at least $500,000, and if greater than $500,000, an integral multiple of
$100,000. The Borrower shall make Mandatory Prepayments from Net Proceeds in accordance with Section 2.03(c). Mandatory Prepayments shall be applied first to the Term Loan to repay Base Rate Loans first and then to LIBOR Rate Loans;
provided, however, any Mandatory Prepayment to be applied to a LIBOR Rate Loan may be held in a deposit account by Agent until the end of the Loan Period for such LIBOR Rate Loan and applied to repay the LIBOR Rate Loan on such date.
The Borrower shall give the Agent notice of each such prepayment or conversion as provided in Section 2.08. The Borrower shall not have the right to convert one Type of Loan into another Type of Loan during the continuance of an Event of
Default. 
 2.06 Loan Periods; Renewals. 
 (a) In the case of each LIBOR Rate Loan, the Borrower shall select a Loan Period of any duration in accordance with the definition of Loan Period in Section 1.01. 
 (b) Provided that no Event of Default has occurred and is continuing, upon notice to the Agent as provided in Section 2.08, the Borrower may renew
any LIBOR Rate Loan on the last day of the Loan Period therefor as the same Type of Loan with a Loan Period of the same or different duration in accordance with the limitations provided in the definition of Loan Period in Section 1.01. If the
Borrower shall fail to give notice to the Agent of such a renewal or, if an Event of Default has occurred and is continuing, such LIBOR Rate Loan shall automatically become, as of the last day of the then current Loan Period, a Base Rate Loan
maturing on the Termination Date. 
 2.07 Changes of Commitments. The Borrower shall have the right to reduce or terminate the amount
of unused Commitments for Loans at any time or from time to time; provided, however, that: (a) the Borrower shall give written notice of each such reduction or termination to the Agent as provided in Section 2.08;
(b) each partial reduction shall be in an aggregate amount at least equal to $1,000,000, and if greater than $1,000,000, an integral multiple of $500,000; (c) each reduction and termination shall be applied to the Commitments of the
Lenders pro rata according to the amounts of their Applicable Revolving Commitment Percentages; provided, however, that in no event shall the Commitments for Loans be partially reduced or terminated pursuant to this Section 2.07
if, as a result thereof, the Commitment for Loans of any Lender would thereby be reduced to an amount less than the sum of all Loans and Letter of Credit Outstandings of such Lender then currently outstanding. The Commitments once reduced or
terminated may not be reinstated. 
  

 25 

 2.08 Certain Notices. Notices by the Borrower to the Agent pursuant to Section 2.04, each
prepayment or conversion pursuant to Section 2.05 and each renewal pursuant to Section 2.06(b), and notices by the Borrower to the Agent of each reduction or termination of the Commitments for Loans pursuant to Section 2.07, shall be
irrevocable and shall be effective only if received by the Agent not later than 12:00 noon St. Louis time, and (a) in the case of borrowings and prepayments of, conversions into and (in the case of LIBOR Rate Loans) renewals of (i) Base
Rate Loans, given on the Business Day thereof; and (ii) LIBOR Rate Loans, given three (3) Business Days prior thereto; and (b) in the case of reductions or termination of the Commitment for Loans, given three (3) Business Days
prior thereto. Each such notice shall specify the Loans to be borrowed, prepaid, converted or renewed and the amount (subject to Section 2.09) and Type of Loans to be borrowed, converted, prepaid or renewed (and, in the case of a conversion,
the Type of Loans to result from such conversion and, in the case of a LIBOR Rate Loan, the Loan Period therefor) and the date of the borrowing, prepayment, conversion or renewal (which shall be a Business Day) or the amount and date (which shall be
a Business Day) of such reduction or termination of the Commitments for Loans and, in the case of a borrowing, such additional information as may be required by Section 2.04. Each notice received by the Agent from the Borrower pursuant to this
Section 2.08, together with the amount of each Lender’s portion of a borrowing, prepayment, conversion, renewal, reduction or termination shall be provided by the Agent to each Lender by telefacsimile transmission with reasonable
promptness, but (provided the Agent shall have received such notice by 12.00 noon St. Louis time) not later than 3:00 p.m. St. Louis time on the same day as the Agent’s receipt of such notice (if notice is received after 12:00 noon St. Louis
time, then such items shall be supplied by 12:00 noon St. Louis time, the following Business Day). Each request for the issuance of a Letter of Credit shall be made, together with the fully completed accompanying Application and Agreement for Letter
of Credit, five (5) Business Days prior to the date of the requested issuance of the Letter of Credit. 
 2.09 Minimum Amounts.
Each Base Rate Loan shall be in the minimum amount of $100,000, and if greater than $100,000, an integral multiple of $25,000. Each LIBOR Rate Loan shall be in the minimum amount of $1,000,000, and if greater than $1,000,000, an integral multiple of
$500,000. In addition, there shall be no more than six (6) LIBOR Rate Loans outstanding at any time. 
 2.10 Interest.

 (a) Interest shall accrue on the outstanding and unpaid principal amount of each Loan for the period from and including the date of such
Loan to but excluding the date such Loan is due, at the following rates per annum: (i) for a Base Rate Loan, at a variable rate per annum equal to the Base Rate; and (ii) for a LIBOR Rate Loan, at a fixed rate equal to the Adjusted LIBOR
Rate. Upon the occurrence and during the continuance of any Event of Default, the outstanding principal amount of all Loans, and, to the extent permitted by applicable law, any interest payments thereon or any fees or other amounts then due and
payable hereunder shall thereafter bear interest (including post-petition interest in any proceeding under Title 11 of the United States Code or other applicable bankruptcy laws) payable upon demand at the Default Rate. 
  

 26 

 (b) Interest on each Base Rate Loan shall be calculated on the basis of a year of 365 days and the actual
number of days elapsed. Interest on each LIBOR Rate Loan and fees due under this Agreement shall be calculated on the basis of a year of 360 days and the actual number of days elapsed. The Agent’s internal records of applicable interest rates
shall be determinative in the absence of manifest error. 
 (c) Accrued interest shall be due and payable in arrears upon any payment of
principal or conversion and (i) for each Base Rate Loan, on the last day of each month, commencing on the first such date after the making of such Loan; and (ii) for each LIBOR Rate Loan, on the last day of each Loan Period with respect
thereto and, in the case of a Loan Period greater than three (3) months, at three (3) month intervals (as applicable) after the first day of such Loan Period. 
 2.11 Fees. 
 (a) Non-Use Fee. For the period beginning on the Closing Date and ending on the
Termination Date, the Borrower agrees to pay to the Agent, for the pro rata benefit of the Lenders based on their Applicable Revolving Commitment Percentages, a Non-Use Fee equal to the Applicable Non-Use Fee Percentage multiplied by the sum of the
average daily amount by which the aggregate Revolving Loan Commitments (as reduced from time to time pursuant to Section 2.07) exceed the sum of outstanding Revolving Loans and Swingline Loans plus Letter of Credit Outstandings. Such
fees shall be due in arrears on the last Business Day of each March, June, September and December commencing March 31, 2008 to and including the Termination Date. 
 (b) Letters of Credit. In addition to the fees and charges described in Section 2.11(a), on the date of issuance and renewal of each Letter of Credit, the Borrower shall pay (i) to Agent, for the pro
rata benefit of the Lenders based on their Applicable Revolving Commitment Percentages, a per annum fee equal to the then current Applicable Margin for LIBOR Rate Loans multiplied by the face amount of the outstanding Letters of Credit, payable
quarterly in arrears on the last Business Day of each March, June, September and December commencing March 31, 2008 to and including the Termination Date, (ii) to Agent, for its own account, a fronting fee of one-tenth of one percent
(0.10%) of the face amount of the Letter of Credit being issued or renewed, payable upon issuance or renewal of a Letter of Credit and (iii) to Agent, for its own account, its other customary charges relating to Letters of Credit. 

(c) Agent Fees. Borrower agrees to pay to Agent, for the Agent’s individual account, certain fees in the amounts set forth in the Agent
Fee Letter as the same may be amended, modified, extended, renewed or restated. All obligations of the Borrower under the Agent Fee Letter shall survive the execution of this Agreement. 
 2.12 Letters of Credit. 
 (a)
Letters of Credit. The Issuing Lender agrees, subject to the terms and conditions of this Agreement, upon request of the Borrower, to issue from time to time for the account of the Borrower Letters of Credit upon delivery by the Borrower to
the Issuing Lender of an Application and Agreement for Letter of Credit relating thereto in form and content 

  

 27 

 
acceptable to the Issuing Lender; provided, that (i) the Issuing Lender shall not be obligated to issue (or renew) any Letter of Credit if it has
been notified by the Agent or has actual knowledge that a Default or Event of Default has occurred and is continuing, (ii) the Letter of Credit Outstandings shall not exceed the aggregate Letter of Credit Commitments of all Lenders, and
(iii) no Letter of Credit shall be issued (or renewed) if, after giving effect thereto, Letter of Credit Outstandings plus outstanding Revolving Loans and Swingline Loans exceed the lesser of the Borrowing Base or the aggregate Revolving Loan
Commitments of all Revolving Lenders. No Letter of Credit shall have an expiry date (including all rights of the Borrower or any beneficiary named in such Letter of Credit to require renewal) or payment date occurring later than the Termination
Date. 
 (b) Reimbursement and Participations. 
 (i) The Borrower hereby unconditionally agrees to pay to the Issuing Lender immediately on demand all amounts required to pay all drafts
drawn or purporting to be drawn under the Letters of Credit and all reasonable expenses incurred by the Issuing Lender in connection with the Letters of Credit, and in any event and without demand to place in possession of the Issuing Lender
sufficient funds to pay all debts and liabilities arising under any Letter of Credit. The Issuing Lender agrees to give the Borrower prompt notice of any request for a draw under a Letter of Credit. The Issuing Lender may charge any account the
Borrower may have with it for any and all amounts the Issuing Lender pays under a Letter of Credit, plus charges and reasonable expenses as from time to time agreed to by the Issuing Lender and the Borrower; provided, that at Agent’s
election, such amounts may be paid by the making of Revolving Loans without notice to or consent of the Borrower. The Borrower agrees to pay the Issuing Lender interest on any Reimbursement Obligations not paid according to any method referenced in
this Section 2.12(b)(i) when due hereunder at the Default Rate. 
 (ii) Each Lender (other than the Issuing Lender) shall
automatically acquire on the date of issuance thereof, a Participation in the liability of the Issuing Lender in respect of each Letter of Credit in an amount equal to such Lender’s Applicable Revolving Commitment Percentage of such liability,
and to the extent that the Borrower is obligated to pay the Issuing Lender under Section 2.12(b)(i), each Lender (other than the Issuing Lender) thereby shall absolutely, unconditionally and irrevocably assume, and shall be unconditionally
obligated to pay to the Issuing Lender, its Applicable Revolving Commitment Percentage of the liability of the Issuing Lender under such Letter of Credit in the manner and with the effect provided in Section 2.13 hereof. 
 (iii) Simultaneously with the making of each payment by a Lender to the Issuing Lender pursuant to Section 2.13, such Lender shall,
automatically and without any further action on the part of the Issuing Lender or such Lender, acquire a Participation in an amount equal to such payment (excluding the portion thereof constituting interest accrued prior to the date the Lender made
its payment) in the related Reimbursement Obligation of the Borrower. Each Lender’s obligation to make payment to the Agent for the account of the Issuing Lender pursuant to Section 2.13 and Section 2.12(b)(ii), and the right of the
Issuing Lender to receive the same, shall be absolute and unconditional, shall not be affected by any circumstance whatsoever and shall be made 

  

 28 

 
without any offset, abatement, withholding or reduction whatsoever. In the event the Lenders have purchased Participations in any Reimbursement Obligation as
set forth above, then at any time payment (in fully collected, immediately available funds) of such Reimbursement Obligation, in whole or in part, is received by the Issuing Lender from the Borrower, the Issuing Lender shall promptly pay to each
Lender an amount equal to its Applicable Revolving Commitment Percentage of such payment from the Borrower. 
 (iv) Promptly
following the end of each calendar quarter, the Issuing Lender (if different than the Agent) shall deliver to the Agent a notice describing the aggregate undrawn amount of all Letters of Credit at the end of such quarter. Upon the request of any
Lender from time to time, the Issuing Lender (if different than the Agent) shall deliver to the Agent, and the Agent shall deliver to such Lender, any other information reasonably requested by such Lender with respect to each Letter of Credit
Outstanding. 
 (v) The issuance by the Issuing Lender of each Letter of Credit shall, in addition to the conditions precedent
set forth in Article V, be subject to the conditions that such Letter of Credit be in such form and contain such terms as shall be reasonably satisfactory to the Issuing Lender consistent with the then current practices and procedures of the Issuing
Lender with respect to similar letters of credit, and the Borrower shall have executed and delivered such other instruments and agreements relating to such Letter of Credit as the Issuing Lender shall have reasonably requested consistent with such
practices and procedures and shall not be in conflict with any of the express terms herein contained. All Letters of Credit shall be issued pursuant to and subject to the Uniform Customs and Practices for Documentary Credits, 1993 revision,
International Chamber of Commerce Publication No. 500 or, if the Issuing Lender shall elect by express reference in an affected Letter of Credit, the International Chamber of Commerce International Standby Practices commonly referred to as
“ISP98,” or any subsequent amendment or revision of either thereof. 
 (vi) The Borrower agrees that the Issuing
Lender may, in its sole discretion, accept or pay, as complying with the terms of any Letter of Credit, any drafts or other documents otherwise in order which may be signed or issued by an administrator, executor, trustee in bankruptcy, debtor in
possession, assignee for the benefit of creditors, liquidator, receiver, attorney in fact or other legal representative of a party who is authorized under such Letter of Credit to draw or issue any drafts or other documents. 
 (vii) Without limiting the generality of the provisions of Section 11.05, the Borrower hereby agrees to indemnify and hold harmless
the Issuing Lender, each other Lender and the Agent from and against any and all claims and damages, losses, liabilities, reasonable costs and expenses which the Issuing Lender, such other Lender or the Agent may incur (or which may be claimed
against the Issuing Lender, such other Lender or the Agent) by any Person by reason of or in connection with the issuance or transfer of or payment or failure to pay under any Letter of Credit; provided that the Borrower shall not be required
to indemnify the Issuing Lender, any other Lender or the Agent for any claims, damages, losses, liabilities, costs or expenses to the extent, but only 

  

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to the extent: (i) caused by the willful misconduct or gross negligence of the party to be indemnified, or (ii) caused by the failure of the
Issuing Lender to pay under any Letter of Credit after the presentation to it of a request for payment strictly complying with the terms and conditions of such Letter of Credit, unless such payment is prohibited by any law, regulation, court order
or decree. The indemnification and hold harmless provisions of this Section 2.12(b)(vii) shall survive repayment of the Obligations, occurrence of the Termination Date and expiration or termination of this Agreement. 
 (viii) Without limiting the Borrower’s obligations as set forth in Section 2.12(b)(vii), the obligation of the Borrower to
immediately reimburse the Issuing Lender for drawings made under Letters of Credit and the Issuing Lender’s right to receive such payment shall be absolute, unconditional and irrevocable, and such obligations of the Borrower shall be performed
strictly in accordance with the terms of this Agreement and such Letters of Credit and the related Application and Agreement for Letter of Credit, under all circumstances whatsoever, including the following circumstances: 
 (A) any lack of validity or enforceability of the Letter of Credit, the obligation supported by the Letter of Credit or any other
agreement or instrument relating thereto (collectively, the “Related LC Documents”); 
 (B) any amendment or waiver
of or any consent to or departure from all or any of the Related LC Documents; 
 (C) the existence of any claim, setoff,
defense (other than the defense of payment in accordance with the terms of this Agreement) or other rights which the Borrower may have at any time against any beneficiary or any transferee of a Letter of Credit (or any persons or entities for whom
any such beneficiary or any such transferee may be acting), the Agent, the Lenders or any other Person, whether in connection with the Loan Documents, the Related LC Documents or any unrelated transaction; 
 (D) any breach of contract or other dispute between the Borrower and any beneficiary or any transferee of a Letter of Credit (or any
persons or entities for whom such beneficiary or any such transferee may be acting), the Agent, the Lenders or any other Person; 
 (E) any draft, statement or any other document presented under the Letter of Credit proving to be forged, fraudulent, invalid or insufficient in any respect or any statement therein being untrue or inaccurate in any respect whatsoever;

 (F) any delay, extension of time, renewal, compromise or other indulgence or modification granted or agreed to by the
Agent, with or without notice to or approval by the Borrower in respect of any of Borrower’s Obligations under this Agreement; or 
 (G) any other circumstance or happening whatsoever, whether or not similar to any of the foregoing. 
  

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 2.13 Payments Generally. All payments under this Agreement (in respect of Letters of Credit or
otherwise) or the Notes shall be made to Agent in Dollars in immediately available funds not later than 2:00 p.m. St. Louis time on the relevant dates specified above (each such payment made after such time on such due date to be deemed to have been
made on the next succeeding Business Day). All payments made by Borrower on any of the Obligations may be applied first to any expenses or fees owed under this Agreement, then to interest accrued under any such Obligation and then to the principal
balance of such Obligation. 
 2.14 No Setoff or Deduction. All payments of principal of and interest on the Loans and other
Obligations shall be paid by the Borrower without setoff or counterclaim, and free and clear of, and without deduction or withholding for, or on account of, any present or future taxes, levies, imposts, duties, fees, assessments, or other charges of
whatever nature, imposed by any governmental authority, or by any department, agency or other political subdivision or taxing authority or other person. 
 2.15 Payment on Non-Business Day. Except as otherwise provided in this Agreement, whenever any installment of principal of, or interest on, any Loan or any other Obligation becomes due and payable on a day that
is not a Business Day, the due date thereof shall be extended to the next succeeding Business Day and, in the case of any installment of principal, interest shall be payable thereon at the applicable rate for such Loan or other Obligation during
such extension. 
 2.16 Increase in Commitments. 
 (a) Request for Increase. Provided there exists no Default or Event of Default, upon notice to the Agent (which shall promptly notify the Lenders), the Borrower may request an increase in the aggregate
Commitments (Term Loan Commitments and Revolving Loan Commitments) by an amount not exceeding $50,000,000.00; provided that (i) such request for an increase shall be in a minimum amount of $5,000,000, (ii) the Borrower may make only
one such request and (iii) the Borrower shall designate whether the increase is requested with respect to the Revolving Loan Commitments or the Term Loan Commitments or both. At the time of sending such notice, the Borrower (in consultation
with the Agent) shall specify the time period within which each Lender is requested to respond (which shall in no event be less than ten Business Days from the date of delivery of such notice to the Lenders). 
 (b) Lender Elections to Increase. Each Lender shall notify the Agent within such time period whether or not it agrees to increase its Commitment
and, if so, whether by an amount equal to, greater than, or less than its Applicable Revolving Commitment Percentage or Applicable Term Loan Commitment Percentage (as applicable) of such requested increase. Any Lender not responding within such time
period shall be deemed to have declined to increase its Commitment. 
 (c) Notification by Agent; Additional Lenders. The Agent shall
notify the Borrower and each Lender of the Lenders’ responses to each request made hereunder. To achieve the full amount of a requested increase and subject to the approval of the Agent and the Issuing Lender (which approvals shall not be
unreasonably withheld), the Borrower may also invite additional banks to become Lenders pursuant to a joinder agreement in form and substance satisfactory to the Agent and its counsel. 
  

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 (d) Effective Date and Allocations. If the aggregate Commitments are increased in accordance with
this Section, the Agent and the Borrower shall determine the effective date (the “Increase Effective Date”) and the final allocation of such increase. The Agent shall promptly notify the Borrower and the Lenders of final allocation
of such increase and the Increase Effective Date. 
 (e) Conditions to Effectiveness of Increase. As a condition precedent to such
increase, the Borrower shall deliver to the Agent a certificate of the Borrower and each Guarantor dated as of the Increase Effective Date (in sufficient copies for each Lender) signed by a responsible officer of the Borrower and such Guarantor
(i) certifying and attaching the resolutions adopted by such party approving or consenting to such increase, and (ii) in the case of the Borrower, certifying that, before and after giving effect to such increase, (A) the
representations and warranties contained in Article VI and the other Loan Documents are true and correct on and as of the Increase Effective Date, except to the extent that such representations and warranties specifically refer to an earlier
date, in which case they are true and correct as of such earlier date, and except that for purposes of this Section 2.16, the representations and warranties contained in Section 6.06 shall be deemed to refer to the most recent statements
furnished to the Agent, and (B) no Default exists. The Borrower shall prepay any Revolving Loans or Term Loans (as applicable) outstanding on the Increase Effective Date (and pay any additional amounts required pursuant to Section 3.03) to
the extent necessary to keep the outstanding Revolving Loans or Term Loans (as applicable) ratable with any revised Applicable Revolving Commitment Percentages or Applicable Term Loan Commitment Percentages (as applicable) arising from any
nonratable increase in the Revolving Loan Commitments or Term Loan Commitments (as applicable) under this Section. 
 (f) Conflicting
Provisions. This Section shall supersede any provisions in Section 11.01 to the contrary. 
 ARTICLE III. YIELD PROTECTION;
ILLEGALITY; ETC. 
 3.01 Additional Costs. 
 (a) If the Agent shall determine in good faith that any Governmental Regulation not presently in effect or applicable to any Lender, or any interpretation or administration thereof by any governmental authority
charged with the interpretation or administration thereof, or compliance by any Lender with any new guideline, request or directive of any such authority (whether or not having the force of law), shall (i) affect the basis of taxation of
payments to the Lender of any amounts payable by the Borrower under this Agreement or any other Loan Documents (other than taxes imposed on the overall net income of the Lender, by the jurisdiction, or by any political subdivision or taxing
authority of any such jurisdiction, in which the Lender has its principal office), or (ii) impose, modify or deem applicable any reserve, special deposit or similar requirement against assets of, deposits with or for the account of, or credit
extended by the Lender, or (iii) impose any other condition with respect to this Agreement, the Commitments, the Notes or the Loans, and the result of any of the 

  

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foregoing is to increase by an amount deemed by the Agent to be material the costs to the Lenders of providing their Commitments or making, funding or
maintaining any Loan or to reduce by an amount deemed by the Agent to be material the amount of any sum receivable by the Lenders under this Agreement, then the Borrower shall pay to the Agent, for the pro rata benefit of the Lenders, from time to
time, upon request by the Agent, such additional amounts as are sufficient to compensate the Lenders for such increased cost or reduced sum receivable. A statement as to the amount of such increased cost or reduced sum receivable, prepared in good
faith and in reasonable detail by the Agent and submitted by the Agent to the Borrower, shall be conclusive and binding for all purposes absent manifest error in computation. 
 (b) If the Agent shall determine in good faith that any Governmental Regulation not presently in effect or applicable to the Lenders, or any
interpretation or administration thereof by any governmental authority charged with the interpretation or administration thereof, or compliance by the Lenders with any new guideline, request or directive of any such authority (whether or not having
the force of law), including any risk-based capital guidelines, affects or would affect the amount of capital required or expected to be maintained by the Lenders (or any corporation controlling the Lenders) and the Agent determines that the amount
of such capital is increased by or based upon the existence of the Lenders’ obligations hereunder and such increase has the effect of reducing the rate of return on the Lenders’ (or such controlling corporation’s) capital as a
consequence of such obligations hereunder to a level below that which the Lenders (or such controlling corporation) could have achieved but for such circumstances (taking into consideration its policies with respect to capital adequacy) by an amount
deemed by the Agent to be material, then the Borrower shall pay to the Agent, for the pro rata benefit of the Lenders, from time to time, within fifteen (15) days after demand by the Agent, such additional amounts as are sufficient to
compensate the Lenders (or such controlling corporation) for any increase in the amount of capital and reduced rate of return which the Agent reasonably determines to be allocable to the existence of the Lenders’ obligations hereunder. A
statement as to the amount of such compensation, prepared in good faith and in reasonable detail by the Agent and submitted by the Agent to the Borrower, shall be conclusive and binding for all purposes absent manifest error in computation.

 (c) The provisions of this Section 3.01 shall apply only to LIBOR Rate Loans and not Base Rate Loans. 
 3.02 Illegality and Impossibility. 
 (a) If the Agent shall determine in good faith that any Governmental Regulation not presently in effect or applicable to the Lenders, or any interpretation or administration thereof by any governmental authority charged with the
interpretation or administration thereof, or compliance by the Lenders with any new guideline, request or directive of such authority (whether or not having the force of law), including exchange controls, shall make it unlawful or impossible for the
Lenders to maintain any LIBOR Rate Loan under this Agreement, the Borrower shall, upon receipt of notice thereof from the Agent, repay in full to the Lenders the then outstanding principal amount of such LIBOR Rate Loan, together with all accrued
interest thereon to the date of payment and all amounts due to the Lenders under Section 3.03: (i) on the last day of the then current Loan Period applicable to the LIBOR Rate Loan if the Lender may lawfully continue to maintain such LIBOR
Rate Loan to such day, or (ii) immediately if the Agent may not continue to maintain such LIBOR Rate Loan to such day. 
  

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 (b) Notwithstanding Section 3.02(a), if such section would otherwise be applicable, but the Lenders
could lawfully maintain the LIBOR Rate Loans at the Base Rate, then during such period as the Lenders cannot maintain the LIBOR Rate Loans, the LIBOR Rate Loans shall bear interest at a per annum rate equal to the Base Rate in effect from time to
time. If all events or conditions making it unlawful or impossible for the Lenders to maintain the LIBOR Rate Loans cease to exist, then the LIBOR Rate Loans shall again bear interest at the Adjusted LIBOR Rate commencing on the first day of the
Loan Period immediately following the date all such events and conditions so cease to exist. 
 3.03 LIBOR Rate Indemnity. If the
Borrower fails to make any payment of principal or interest in respect of any LIBOR Rate Loan when due or make any payment or prepayment of the principal of any LIBOR Rate Loan, for any reason, on any date other than the last day of the Loan Period
applicable thereto, or if the Borrower fails to borrow any LIBOR Rate Loan after requesting the same in accordance with this Agreement, the Borrower shall reimburse the Lenders on demand for all of the Lenders’ costs, expenses and Interest
Differential (as determined by the Lenders) resulting from such prepayment or failure to borrow. The term “Interest Differential” shall mean the sum equal to the greater of zero or the financial loss incurred by a Lender resulting from
prepayment or failure to borrow, calculated as the difference between the amount of interest Lender would have earned (from like investments in the money markets as of the first day of the Loan Period for the LIBOR Rate Loan) had prepayment or
failure to borrow not occurred and the interest the Lender will actually earn (from like investments in the Money Markets as of the date of prepayment or failure to borrow) as a result of redeployment of funds from the prepayment or failure to
borrow. Because of the short term nature of this facility, Borrower agrees that the Interest Differential shall not be discounted to its present value. 
 3.04 Regulation D Compensation. If any Lender incurs reserve requirements (including basic, marginal, emergency, supplemental, special or other reserves) as prescribed by the Board of Governors of the Federal
Reserve System (or any successor agency) with respect to LIBOR Rate funding (currently referred to as “Eurocurrency liabilities” in Regulation D) (the “LIBOR Reserve Percentage”), Agent may require the Borrower to pay,
contemporaneously with each payment of interest on the LIBOR Rate Loans, additional interest on the LIBOR Rate Loans at a rate per annum determined by Agent up to but not exceeding the excess of (a) (i) the applicable LIBOR Rate divided by
(ii) one minus the LIBOR Reserve Percentage over (b) the applicable LIBOR Rate. To require payment of such additional interest, the Agent (x) shall so notify the Borrower, in which case such additional interest on the LIBOR Rate Loans
shall be payable to Agent for the account of the applicable Lender at the place indicated in such notice with respect to each Loan Period commencing at least three (3) Business Days after the giving of such notice, and (y) shall notify the
Borrower at least five (5) Business Days prior to each date on which interest is payable on the LIBOR Rate Loans of the amount then due it under this Section 3.04. 
  

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 ARTICLE IV. SECURITY 
 4.01 Security. As security for the full and timely payment and performance of all Obligations, the Borrower shall, on or before the Closing Date,
do or cause to be done all things necessary in the opinion of the Agent and its counsel to grant to the Agent for the benefit of the Lenders a duly perfected first priority security interest in all Collateral subject to no prior Lien or other
encumbrance or restriction on transfer other than the Liens, encumbrances or restrictions permitted under Section 7.02(e). Borrower shall take such further action and deliver or cause to be delivered such further documents as required by the
Loan Documents or otherwise as the Agent may request to effect the transactions contemplated by this Article IV. 
 4.02 Further
Assurances. At the request of the Agent, the Borrower will execute, by its duly authorized officers, alone or with the Agent, any certificate, instrument, control agreement, statement or document, or procure any such certificate, instrument,
statement or document, or take such other action (and pay all connected costs) which the Agent reasonably deems necessary from time to time to create, continue or preserve the liens and security interests in the Collateral (and the perfection and
priority thereof) of the Agent contemplated hereby and by the other Loan Documents and specifically including all Collateral acquired by any Borrower after the Closing Date. The Agent is hereby authorized to file or cause to be filed all Uniform
Commercial Code financing statements reflecting the Borrower as “debtor” and the Agent as “secured party”, and continuations thereof and amendments thereto, as the Agent reasonably deems necessary or advisable to give effect to
the transactions contemplated hereby and by the other Loan Documents. 
 4.03 Information Regarding Collateral. The Borrower
represents, warrants and covenants that (i) the chief executive office of the Borrower and each Guarantor providing collateral pursuant to a Loan Document (each, a “Grantor”) at the Closing Date is located at the address or addresses
specified on Schedule 4.03, and (ii) Schedule 4.03 contains a true and complete list of (a) the exact legal name, jurisdiction of formation, and address of each Grantor and of each other Person that has effected any merger or
consolidation with a Grantor since January 1, 2001, (b) the exact legal name, jurisdiction of formation, and each location of the chief executive office of each Grantor at any time since January 1, 2001, and (c) each trade style
currently used by any Grantor. Borrower shall not change, and shall not permit any other Grantor to change, its name, jurisdiction of formation or the location of its chief executive office without providing Agent fifteen (15) days prior
written notice thereof. 
 ARTICLE V. CONDITIONS TO LOANS 
 5.01 Conditions for Initial Loans. The obligation of the Lenders to make the initial Loans hereunder is subject to receipt by the Agent of the
following documents and completion of the following matters on or prior to the Closing Date, in form and substance satisfactory to the Agent and its counsel: 
 (a) Charter Documents. Certificates of recent date of the appropriate authority or official of the state of incorporation or organization of the Borrower and the Guarantors listing all charter documents of the
Borrower and the Guarantors on file in that office and certifying as to the good standing and corporate existence of the Borrower and the Guarantors, together with copies of such charter documents of the Borrower and the Guarantors, certified as of
a recent date by such authority or official, and certified as true and correct as of the Closing Date by duly authorized officers of the Borrower and the Guarantors. 
  

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 (b) Bylaws and Corporate Authorizations. Copies of the bylaws or operating agreement of each of
the Borrower and the Guarantors together with all authorizing resolutions and evidence of other corporate or limited liability company action taken by the Borrower and the Guarantors to authorize the execution, delivery and performance by such
corporation or limited liability company of the Loan Documents to which such corporation or limited liability company is a party and the consummation by such corporation or limited liability company of the transactions contemplated hereby, certified
as true and correct as of the Closing Date by duly authorized officers of the Borrower or the Guarantors, as applicable. 
 (c) Incumbency
Certificates. Certificates of incumbency of each of the Borrower and the Guarantors containing, and attesting to the genuineness of, the signatures of those officers authorized to act on behalf of such corporation or limited liability company in
connection with this Agreement and the other Loan Documents to which such corporation or limited liability company is a party, certified as true and correct as of the Closing Date by duly authorized officers of the Borrower or the Guarantors, as
applicable. 
 (d) Notes and Other Loan Documents. The Notes and other Loan Documents to which the Borrower or the Guarantors are
parties appropriately completed and duly executed on behalf of the Borrower or the Guarantors. 
 (e) Legal Opinions. The favorable
written opinion of counsel for the Borrower and the Guarantors addressed to the Agent, as to matters concerning the Borrower, the Guarantors and the Loan in form and substance satisfactory to the Agent. 
 (f) Consents, Approvals, Etc. Copies of all governmental and non-governmental consents, approvals, authorizations, declarations, registrations or
filings, if any, required on the part of the Borrower or the Guarantors in connection with the execution, delivery and performance of this Agreement and the other Loan Documents or the transactions contemplated hereby or as a condition to the
legality, validity or enforceability of this Agreement or the other Loan Documents. 
 (g) Satisfaction of Legal Counsel. Satisfaction
of legal counsel to the Agent with all documents and instruments delivered hereunder or under any other Loan Document and all proceedings related to the consummation of the transactions contemplated by this Agreement and the other Loan Documents,
and delivery to the Agent and such legal counsel of copies (executed or certified as may be appropriate) of all legal documents or proceedings which the Agent or such legal counsel may reasonably request in connection with the consummation of such
transactions. 
 (h) Material Adverse Event. There shall not have occurred any Material Adverse Event. 
 (i) Insurance. Evidence that all insurance required to be maintained pursuant to the Loan Documents has been obtained and is in effect, is in a
form acceptable to Agent and that the interest of the Agent as “loss payee” is duly noted on all property insurance policies. 
  

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 (j) Fees and Expenses. All fees and expenses required to be paid by Borrower pursuant to this
Agreement and the Agent Fee Letter. 
 (k) First Liens. Evidence that all Liens in favor of the Agent granted pursuant to any Loan
Document shall constitute first-perfected priority Liens, subject only to Permitted Liens, including, without limitation, Deposit Account Control Agreements executed by depository banks and Securities Account Control Agreements executed by
Securities Intermediaries as are necessary to perfect the security interest in favor of the Agent in Cash Holdings included in the Borrowing Base. 
 (l) Agent’s Counsel’s Fees and Expenses. Borrower shall have paid all fees, charges and disbursements of counsel to the Agent to the extent invoiced prior to or on the Closing Date, plus such additional amounts of such
fees, charges and disbursements as shall constitute its reasonable estimate of such fees, charges and disbursements incurred or to be incurred by it through the closing proceedings; provided, that such estimate shall not thereafter preclude a final
settling of accounts between Borrower and Agent. 
 (m) Intentionally Left Blank. 
 (n) Minimum Consolidated EBITDA. Borrower shall provide evidence to the Agent that it has achieved Consolidated EBITDA for the trailing twelve
(12) month period ended on October 31, 2007 of not less than $37,000,000. 
 (o) Total Indebtedness. The total Indebtedness
of the Borrower, on a Consolidated basis, including the aggregate amounts borrowed under this Agreement, shall not exceed $70,000,000 and the multiple of such total Indebtedness to Consolidated EBITDA shall be less than or equal to 2.00 to 1.00.

 (p) Collateral Field Audit. Agent shall have conducted, and received the results of, a collateral field audit which shall be
acceptable to Agent and, the expense of which, shall be paid by Borrower. 
 (q) Disbursement Direction. With respect to the Term
Loans, Borrower shall have provided to the Agent, a letter of direction as to the payment of the proceeds of the Term Loans. 
 (r) Other
Items. The Agent shall have received, in form and content satisfactory to it, such other assurances, certificates, documents or consents relating to the foregoing as the Agent or the Required Lenders may reasonably require. 
 5.02 Further Conditions for Disbursement. The obligation of the Agent and the Lenders to make any Loan (including the initial Loans or any
extension or conversion of any Loan, other than an automatic conversion of a LIBOR Rate Loan to a Base Rate Loan) or issue a Letter of Credit is further subject to the satisfaction of the following conditions precedent: 
 (a) Representations True. The representations and warranties contained in Article VI shall be true and correct on and as of the date such Loan is
made (both before and after such Loan is made) as if such representations and warranties were made on and as of such date (except to the extent such representations and warranties specifically refer to an earlier date). 
  

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 (b) No Default. No Default or Event of Default shall exist or shall have occurred and be
continuing on the date such Loan is made (whether before or after such Loan is made). 
 (c) No Material Adverse Event. Nothing shall
have occurred since the Closing Date which the Agent shall determine either (i) constitutes a Material Adverse Event, or (ii) has, or may have, an adverse effect on the rights or remedies of the Agent and the Lenders under this Agreement
or any other Loan Document. 
 (d) Request for Loans. The Agent shall have timely received the Notice of Borrowing, or in the case of
an extension or conversion of any Loan the applicable notice of extension or conversion, in accordance with this Agreement, in form and substance reasonably satisfactory to the Agent. 
 (e) Other Items. The Agent shall have received, in form and substance satisfactory to it, such other assurances, certificates, documents or
consents relating to the foregoing as the Agent or the Required Lenders may reasonably require. 
 The Borrower shall be deemed to have made a representation
and warranty to the Agent and the Lenders at the time of the making of each Loan and the issuance of each Letter of Credit to the effect set forth in clauses (a) and (b) of this Section 5.02. 
 ARTICLE VI. REPRESENTATIONS AND WARRANTIES 
 The Borrower represents and warrants to Agent and to each Lender as to itself, and as to each Subsidiary, as follows, on the Closing Date and on each Funding Date: 
 6.01 Corporate Existence and Power. The Borrower and each of its Subsidiaries is a corporation or limited liability company duly organized, validly
existing and in good standing under the laws of the state of its incorporation or organization, and is duly qualified to do business, and is in good standing, in all additional jurisdictions where such qualification is necessary under applicable
law. The Borrower and each of its Subsidiaries has all requisite corporate or limited liability company power to own or lease the properties used in its business and to carry on its business as now being conducted and as proposed to be conducted,
and to execute and deliver this Agreement and the other Loan Documents to be executed by the Borrower and to engage in the transactions contemplated by this Agreement. 
 6.02 Corporate Authority. The execution, delivery and performance by the Borrower of this Agreement and the other Loan Documents (by the Borrower and each of its Subsidiaries) have been duly authorized by all
necessary corporate or limited liability company action and are not in contravention of any Governmental Regulation, or of the terms of the Borrower’s or any of its Subsidiaries charter, bylaws or operating agreement, or of any contract or
undertaking to which Borrower or any of its Subsidiaries is a party or by which Borrower or any of its Subsidiaries or their property may be bound or affected and do not result in the imposition of any Lien, except for the Lien granted to Agent for
the benefit of the Lenders pursuant to this Agreement and the Loan Documents. 
  

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 6.03 Binding Effect. This Agreement, and each of the Loan Documents are legal, valid and binding
obligations of the Borrower and each of its Subsidiaries, enforceable against the Borrower and each of its Subsidiaries in accordance with their respective terms, except as those terms may be limited by bankruptcy, insolvency, moratorium,
reorganization or other similar laws affecting creditors’ rights generally. 
 6.04 Subsidiaries. All of the Subsidiaries of the
Borrower are listed on Schedule 6.04. Each Subsidiary is, and each corporation becoming a Subsidiary of the Borrower after the date hereof will be, a corporation or organization duly organized, validly existing and in good standing under the
laws of its jurisdiction of incorporation or organization and is, or will be, duly qualified to do business in each additional jurisdiction where such qualification may be necessary under applicable law. Each Subsidiary of the Borrower has or will
have all requisite corporate or limited liability company power to own or lease the properties used in its business and to carry on its business as now being conducted and as proposed to be conducted. Except as set forth in Schedule 6.04, all
outstanding shares of capital stock or other equity interests of each class of each Subsidiary of the Borrower are and will be validly issued, fully paid and non-assessable, and owned, beneficially and of record, by Borrower or any Subsidiary free
and clear of any Liens. 
 6.05 Litigation. Except as set forth in Schedule 6.05, there is no action, suit or proceeding
pending or, to the best of the Borrower’s knowledge, threatened against or affecting Borrower or any of its Subsidiaries before or by any court, governmental authority or arbitrator, which if adversely decided would reasonably be expected to
result, either individually or collectively, in any Material Adverse Event or in any adverse effect on the legality, validity or enforceability of this Agreement or any other Loan Document and, to the best of the Borrower’s knowledge, there is
no basis for any such action, suit or proceeding. 
 6.06 Financial Condition. The financial statements listed in Schedule
6.06, copies of which have been furnished to the Agent, fairly present, and the financial statements delivered pursuant to Section 7.0l(d) will fairly present, the financial position of the Borrower and its Subsidiaries on a consolidated
basis as at the respective dates thereof, and the results of operations of the Borrower for the respective periods indicated, all in accordance with GAAP (subject, in the case of interim statements, to normal, immaterial year-end audit adjustments).
There has been no Material Adverse Event since September 30, 2007. There is no Third Party Guarantee by Borrower or any Subsidiary that is not reflected in such financial statements or in the notes thereto. 
 6.07 Use of Loans. The Borrower will use the proceeds of the Loans for the purposes described in Sections 2.01(d), 2.02(h) and 2.03(e). Neither
the Borrower nor any Subsidiary extends or maintains, in the ordinary course of business, credit for the purpose, whether immediate, incidental, or ultimate, of buying or carrying margin stock (within the meaning of Regulation U of the Board of
Governors of the Federal Reserve System), and no part of the proceeds of any Loan will be used for the purpose, whether immediate, incidental, or ultimate, of buying or carrying any such margin stock or maintaining or extending credit to others for
such purpose. 
  

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 6.08 Consents, Etc. Except for such consents, approvals, authorizations, declarations,
registrations or filings delivered by the Borrower or any Subsidiary pursuant to Section 5.01(f), if any, each of which is in full force and effect, no consent, approval or authorization of or declaration, registration or filing with any
governmental authority or any non-governmental person, including any creditor, lessor or shareholder of the Borrower or any Subsidiary, is required on the part of the Borrower or the Subsidiaries in connection with the execution, delivery and
performance of this Agreement and the other Loan Documents or the transactions contemplated hereby or as a condition to the legality, validity or enforceability of this Agreement and the other Loan Documents. 
 6.09 Taxes. The Borrower and its Subsidiaries have filed all tax returns (federal, state and local) required to be filed and have paid all taxes
shown thereon to be due, including interest and penalties, or have established adequate financial reserves on its books and records for payment thereof. The Borrower does not know of any actual or proposed tax assessment, or any basis therefor, for
which it has not established adequate financial reserves on its books and records for payment thereof. 
 6.10 Title to Properties.
Except as otherwise disclosed in the latest balance sheet delivered pursuant to Sections 6.06 or 7.01(d), the Borrower and its Subsidiaries have a valid and indefeasible ownership interest in all of the properties and assets reflected on
their consolidated balance sheet or subsequently acquired by the Borrower or any one or more of its Subsidiaries. All of such properties and assets are free and clear of any Lien, except for Permitted Liens. 
 6.11 Compliance with Governmental Regulations. The Borrower and its Subsidiaries are in compliance in all material respects with all Governmental
Regulations (including Environmental Laws) applicable to such Person or its business or properties. Without limiting the generality of the foregoing, all material licenses, permits, orders or approvals which are required under any Governmental
Regulation in connection with any of the businesses or properties of the Borrower or its Subsidiaries (“Permits”) are in full force and effect, no notice of any violation has been received in respect of any such Permits and no
proceeding is pending or, to the knowledge of the Borrower, threatened to terminate, revoke or limit any such Permits. 
 6.12 ERISA.
The Borrower, its Subsidiaries, their ERISA Affiliates and their respective Plans are in compliance in all material respects with those provisions of ERISA and of the Code which are applicable to any Plan. No Prohibited Transaction and no Reportable
Event has occurred with respect to any such Plan. Neither the Borrower nor any of its Subsidiaries or any of their ERISA Affiliates is an employer with respect to any Multi-Employer Plan. The Borrower, its Subsidiaries and each of their ERISA
Affiliates have met the minimum funding requirements under ERISA and the Code with respect to each of their respective Plans, if any, and have not incurred any liability to the PBGC or any Plan. There is no material unfunded benefit liability,
determined in accordance with Section 4001(a)(18) of ERISA, with respect to any Plan of the Borrower, its Subsidiaries or their ERISA Affiliates. 
  

 40 

 6.13 Environmental Matters. Except as disclosed in Schedule 6.13, and without limiting the
generality of Section 6.11: 
 (a) No written demand, claim, notice, suit, suit in equity, action, administrative action, investigation
or inquiry whether brought by any governmental authority, private person or otherwise, arising under, relating to or in connection with any Environmental Laws is pending or, to the best of the Borrower’s knowledge, threatened against Borrower,
any Subsidiary, any Property or any past or present operation of Borrower or any of the Subsidiaries which could result in a Material Adverse Event. 
 (b) The Borrower has no knowledge of any existing violation of Environmental Laws at or about any Property, and the Borrower does not have any knowledge of any actions commenced or threatened by any party for or
related to or arising out of non-compliance with Environmental Laws which apply to any Property, activities at any Property or Hazardous Materials at, from or affecting any Property. 
 (c) None of the Property appears on the National Priority List (as defined under federal law) or any state listing which identifies sites for remedial
clean-up or investigatory actions. To the best of the Borrower’s knowledge, none of the Property has been contaminated with substances which give rise to a clean-up obligation under any Environmental Law or common law. 
 6.14 Investment Company Act; Public Utility Holding Company Act. Neither the Borrower nor its Subsidiaries (i) are an “investment
company” or a company “controlled” by an “investment company,” within the meaning of the Investment Company Act of 1940, as amended or (ii) a “holding company,” or a “subsidiary company” of a
“holding company,” within the meaning of the Public Utility Holding Company Act of 1935. 
 6.15 Solvency. The Borrower
individually is, and the Borrower and its Subsidiaries taken as a whole are, and during the term of this Agreement, the Borrower individually, and the Borrower and its Subsidiaries taken as a whole, will be at all times, Solvent, both before and
after giving effect to the transactions contemplated by the Loan Documents. 
 6.16 Disclosure. No report or other information
furnished in writing by the Borrower to the Agent or the Lenders in connection with the negotiation or administration of this Agreement, taken as a whole, contains any material misstatement of fact or omits to state any material fact or any fact
necessary to make the statements contained therein not misleading. Neither this Agreement, the other Loan Documents, nor any other document, certificate, or report or statement or other information furnished to the Agent or the Lenders by the
Borrower in connection with the transactions contemplated hereby contains any untrue statement of a material fact or omits to state a material fact necessary in order to make the statements contained herein and therein not misleading. There is no
fact known to the Borrower which materially and adversely affects the business, properties, operations, condition, financial or otherwise, or prospects of the Borrower, which has not been set forth in this Agreement or in the other documents,
certificates, statements, reports and other information furnished in writing to the Agent or the Lenders by or on behalf of the Borrower in connection with the transactions contemplated hereby. 
  

 41 

 6.17 Intellectual Properties; Licenses. Borrower and its Subsidiaries own, or possess the right to
use, all of the trademarks, service marks, trade names, copyrights, patents, patent rights, franchises, licenses and other intellectual property rights that are reasonably necessary for the operation of their respective businesses, without conflict
with the rights of any other Person (provided, as of the Closing Date, Borrower and its Subsidiaries do not possess any registered intellectual property rights). To the best knowledge of Borrower, no slogan or other advertising device, product,
process, method, substance, part of other material now employed, or now contemplated to be employed, by Borrower or any Subsidiary infringes upon any rights held by any other Person. No claim or litigation regarding any of the foregoing is pending
or, to the best knowledge of Borrower, threatened, which, either individually or in the aggregate, could reasonably be expected to cause a Material Adverse Event to occur. 
 6.18 Prior Agreements. Each Loan Document executed and delivered by the Borrower or a Guarantor on the First Closing Date or as of a date prior to
the Closing Date, which is not amended and restated in connection with this Agreement, remains in full force and effect as of the Closing Date and hereafter guarantees or secures repayment of the Obligations under this Agreement. 
 ARTICLE VII. COVENANTS 
 7.01
Affirmative Covenants. The Borrower covenants and agrees that, until the Termination Date and thereafter until payment in full of the principal of and accrued interest on the Notes and the payment or performance of all other Obligations,
unless the Required Lenders shall otherwise consent in writing, the Borrower shall, and shall cause each of its Subsidiaries (excluding Financial Services of North Carolina, Inc.) to: 
 (a) Preservation of Corporate Existence; Etc. Do or cause to be done all things necessary to preserve, renew and keep in full force and effect its
legal existence, and its qualification as a foreign corporation in good standing in each jurisdiction in which such qualification is necessary under applicable law, and the rights, licenses, permits (including those required under Environmental
Laws), franchises, patents, copyrights, trademarks and trade names material to the conduct of its businesses; and defend all of the foregoing against all claims, actions, demands, suits or proceedings at law or in equity or by or before any
governmental instrumentality or other agency or regulatory authority. 
 (b) Compliance with Laws; Etc. Comply, in all material
respects, with all Governmental Regulations (including ERISA, the Code and Environmental Laws), in effect from time to time; and pay and discharge promptly when due all taxes, assessments and governmental charges or levies imposed upon it or upon
its income, revenues or property, before the same shall become delinquent or in default, as well as all lawful claims for labor, materials and supplies or otherwise, which, if unpaid, might give rise to any Lien upon such properties or any portion
thereof, except to the extent that payment of any of the foregoing is then being contested in good faith by appropriate legal proceedings and with respect to which adequate financial reserves have been established on the books and records of the
Borrower or a Subsidiary. 
 (c) Maintenance of Properties; Insurance. Maintain, preserve and protect all property that is material to
the conduct of its business and keep such property in reasonable 

  

 42 

 
repair, working order and condition (except for equipment or other property no longer used or useful in the conduct of its business or the business of its
Subsidiaries) and from time to time make, or cause to be made all needful and proper repairs, renewals, additions, improvements and replacements thereto necessary in order that the business carried on in connection therewith may be properly
conducted at all times in accordance with customary and prudent business practices for similar businesses; and maintain in full force and effect insurance with responsible and reputable insurance companies or associations in such amounts, on such
terms and covering such risks, including fire and other risks insured against by extended coverage, as is usually carried by companies engaged in similar businesses and owning similar properties similarly situated and maintain in full force and
effect public liability insurance, business interruption insurance, insurance against claims for personal injury or death or property damage occurring in connection with any of its activities or any properties owned, occupied or controlled by it, in
such amounts as it shall reasonably deem necessary, and maintain such other insurance as may be required by Governmental Regulations or as may be reasonably requested by the Agent. Each policy of insurance shall provide for not less than thirty
(30) days’ prior written notice to the Agent of termination, lapse or cancellation of such insurance. All policies of casualty insurance shall name the Agent as a loss payee and general liability policies shall name the Agent as an
additional insured. Insurance proceeds resulting from any casualty shall be applied by Borrower or any Subsidiary pursuant to the applicable provisions of the Security Agreement. The Borrower shall deliver to the Agent copies of all or any of such
insurance policies or the related certificates of insurance. 
 (d) Reporting Requirements. Furnish to the Agent the following:

 (i) promptly, and in any event within three (3) Business Days after becoming aware of the occurrence, notice of
(A) any Default or Event of Default, (B) the commencement of any material litigation against, by or affecting the Borrower or any Subsidiary, and any material developments therein, (C) any development in the business or affairs of the
Borrower or any Subsidiary which has resulted in or which is likely, in the reasonable judgment of the Borrower, to result in a Material Adverse Event, (D) the occurrence of a Reportable Event or Prohibited Transaction, or (E) the
occurrence of an Internal Control Event, together with a statement of the president or chief financial officer of Borrower setting forth details of such Event of Default or such event or condition or such litigation and the action which the affected
person has taken and proposes to take with respect thereto; 
 (ii) as soon as available and in any event (i) within 30
days of the end of each of the first two months of each fiscal quarter and (ii) within forty-five (45) days after the end of each fiscal quarter of the Borrower and its Subsidiaries (other than the fourth fiscal quarter), the consolidated
balance sheet of the Borrower and its Subsidiaries as of the end of such fiscal month or quarter (as applicable) and the consolidated statements of income and cash flows of the Borrower and its Subsidiaries for the month or quarter period then ended
(as applicable) and for the period commencing at the end of the previous fiscal year and ending with the end of such month or quarter (as applicable), setting forth in each case in comparative form the corresponding figures for the corresponding
date or period of the preceding fiscal year, all in reasonable detail and duly certified (subject to normal, immaterial year-end audit adjustments) by the chief financial 

  

 43 

 
officer of the Borrower as having been prepared in accordance with GAAP, and with respect to each quarterly statement, together with (A) a certificate
in the form of Exhibit H attached hereto of the chief financial officer of the Borrower stating that no Default or Event of Default has occurred and is continuing or, if any Default or Event of Default has occurred and is continuing, a
statement setting forth the details thereof and the action which the applicable person has taken and proposes to take with respect thereto, and setting forth a computation (which computation shall accompany such certificate and shall be in
reasonable detail) showing compliance with Sections 7.02(a), (b), (c) and (d) of this Agreement and (B) a management discussion and analysis in form and detail reasonably satisfactory to the Agent; 
 (iii) as soon as available and in any event within one hundred twenty (120) days after the end of each Fiscal Year of the Borrower
and its Subsidiaries, a copy of the consolidated financial statements specified in Section 7.01(d)(ii) as of the end of, and for, such fiscal year, prepared in accordance with GAAP and with a customary audit report of such independent certified
public accountants selected by the Borrower and the Subsidiaries and reasonably acceptable to the Agent, without qualifications unacceptable to the Agent, together with a certificate in the form of Exhibit H attached hereto of the chief
financial officer of the Borrower (A) stating that no Default or Event of Default has occurred or is continuing or if any Default or Event of Default has occurred and is continuing, a statement setting forth the details thereof and the action
which the applicable person has taken and proposes to take with respect thereto, and (B) setting forth a computation (which computation shall accompany such certificate and shall be in reasonable detail) showing compliance with Sections
7.02(a), (b), (c) and (d) of this Agreement; 
 (iv) within sixty (60) days after each fiscal year end, a
budget for the Borrower and its Subsidiaries for the following fiscal year in form reasonably acceptable to the Agent; 
 (v)
within thirty (30) days after the end of each month, (A) a Borrowing Base Certificate in the form of Exhibit I hereto duly completed and executed by the chief financial officer of the Borrower and (B) a net charge-off report in
form and content acceptable to the Agent; 
 (vi) promptly after receipt thereof by the Borrower, copies of any audit or
management reports submitted to it by independent accountants which report any material weakness in the internal controls of the Borrower or any of its Subsidiaries; 
 (vii) promptly after the same are filed or otherwise transmitted, copies of each annual report, proxy or financial statement or other
communication sent to the Borrower’s stockholders and copies of all annual, regular, periodic and special reports and registration statements which the Borrower may file or be required to file with the Securities and Exchange Commission or with
any securities exchange or the Nasdaq Stock Market; 
  

 44 

 (viii) promptly, and in any event within five (5) Business Days after receipt by
Borrower or any of its Subsidiaries, a copy of each notice or other correspondence received from the Securities and Exchange Commission concerning any investigation or possible investigation or other inquiry by such agency regarding financial and
other operational results of Borrower or any of its Subsidiaries; 
 (ix) promptly, of any material change in the accounting
policies or financial reporting practices by Borrower or any Subsidiary; 
 (x) promptly after the furnishing thereof, copies
of any statement or report furnished to the holder of debt securities of Borrower or any Subsidiary thereof pursuant to the terms of any indenture, loan or credit or similar agreement and not otherwise required to be furnished to the Agent or the
Lenders pursuant to this Section 7.01(d); 
 (xi) not later than five (5) Business Days prior to the acquisition or
creation of a new Subsidiary, notice of the Borrower’s plan to acquire or create the new Subsidiary; 
 (xii) promptly,
such other information respecting the business, properties, operations or condition, financial or otherwise, of the Borrower or any Subsidiary as the Agent may from time to time reasonably request upon reasonable notice; and 
 (xiii) promptly, and in any event within five (5) days of Borrower’s (or a Subsidiary’s) receipt of service of process,
notice of any non-employee related lawsuit in which Borrower or a Subsidiary is named as a defendant. 
 (e) Accounting, Access to
Records, Books, etc. Maintain a system of accounting established and administered in accordance with sound business practices to permit preparation of financial statements in accordance with GAAP and to comply with the requirements of this
Agreement and, at any reasonable time upon advance notice from the Agent from time to time, (i) permit the Agent or any agents or representatives thereof to examine and make, to the extent deemed reasonably necessary by Agent, copies of and
abstracts from the records and books of account of, and visit the properties of, Borrower and its Subsidiaries and to discuss the affairs, finances and accounts of Borrower with their respective directors, officers, employees and independent
auditors, and by this provision the Borrower does hereby authorize the same, and (ii) permit the Agent or any of its agents or representatives to conduct a comprehensive field audit of the books, records, properties and assets of the Borrower
and its Subsidiaries at the Borrower’s expense; provided, however, Borrower shall be liable for the expense of only one such audit each calendar year unless an Event of Default shall exist, under which circumstances, Borrower
shall be liable for all such audits conducted by Agent. 
 (f) Further Assurances. Execute and deliver promptly after request therefor
by the Agent all other instruments and documents and take all other action that may be necessary or desirable, or that the Agent may reasonably request, in order to give effect to, and to aid in the exercise and enforcement of the rights and
remedies of the Agent and the Lenders under, this Agreement and the other Loan Documents. In addition, the Borrower agrees to deliver to the 

  

 45 

 
Agent from time to time upon the acquisition or creation of any Subsidiary not listed in Schedule 6.04 supplements to such Schedule, so that such
Schedule, together with such supplements, shall at all times accurately reflect the information provided for thereon. 
 (g) New
Subsidiaries. Simultaneously with the acquisition or creation of any Subsidiary, cause to be delivered to the Agent each of the following: 
 (i) a Guaranty executed by such Subsidiary substantially in the form of Exhibit D; 
 (ii) a Subsidiary Security Agreement of such Subsidiary substantially in the form of Exhibit E, together with such Uniform Commercial Code financing statements on Form UCC-1 naming such Subsidiary as “Debtor” and naming the
Agent for the benefit of the Lenders as “Secured Party”, in form, substance and number sufficient in the reasonable opinion of the Agent and its counsel to be filed in all Uniform Commercial Code filing offices in all jurisdictions in
which filing is necessary or advisable to perfect in favor of the Agent for the benefit of the Lenders the Lien on the Collateral to the extent such Lien may be perfected by Uniform Commercial Code filing; 
 (iii) an amendment to the Pledge Agreement which results in all of the stock or other ownership interests of the Subsidiary to be subject
to the Pledge Agreement and further deliver to the Agent all certificates of stock or other ownership interests as Agent may require in order for Agent to perfect a security interest in such stock or ownership interests; 
 (iv) if requested by Agent, an opinion of counsel to the Subsidiary dated as of the date of delivery of the Guaranty and other Loan
Documents provided for in this Section 7.01(g) and addressed to the Agent and the Lenders, as to the due execution delivery and enforceability of the Guaranty and the Subsidiary Security Agreement and such other matters as reasonably required
by the Agent; 
 (v) current copies of the organizational documents of such Subsidiary, minutes of duly called and conducted
meetings (or duly effected consent actions) of the Board of Directors, partners, or appropriate committees thereof (and, if required by such organizational documents, operating documents or applicable law, of the shareholders, members or partners)
of such Subsidiary authorizing the actions and the execution and delivery of documents described in this Section 7.01(g). 
 (h)
Interest Rate Protection. Purchase, not later than ninety (90) days following the Closing Date, interest rate protection in a form acceptable to Agent and the Lenders with respect to an amount of Indebtedness not less than the lesser of
(i) one half of the aggregate Term Loan Commitments or (ii) $25,000,000, for a period of not less than three (3) years. The documentation for the interest rate protection shall conform to ISDA standards and must be acceptable to the
Agent with respect to inter-creditor issues. The obligations of the Borrower under the interest rate protection agreements will be collateralized pari passau with the Obligations under this Agreement. 
  

 46 

 7.02 Negative Covenants. Until the Termination Date and thereafter until payment in full of the
principal of and accrued interest on the Notes and the payment and performance of all other Obligations, the Borrower agrees that, unless the Required Lenders shall otherwise consent in writing, it shall not, nor shall it allow any of its
Subsidiaries to: 
 (a) Consolidated EBITDA. Permit or suffer the Consolidated EBITDA, determined for the Borrower and its Subsidiaries
as of the end of each fiscal quarter (for the twelve (12) month period then ending) of the Borrower, to be less than the amounts set forth below: 
  

				
	 Fiscal Quarter Ending
	  	Minimum Consolidated EBITDA
	 March 31, 2008
	  	$	35,000,000
	 June 30, 2008
	  	$	35,000,000
	 September 30, 2008
	  	$	35,000,000
	 December 31, 2008
	  	$	36,000,000
	 March 31, 2009
	  	$	36,000,000
	 June 30, 2009
	  	$	36,000,000
	 September 30, 2009
	  	$	37,000,000
	 December 31, 2009
	  	$	37,000,000
	 March 31, 2010
	  	$	37,000,000
	 June 30, 2010
	  	$	38,000,000
	 September 30, 2010
	  	$	38,000,000
	 December 31, 2010
	  	$	38,000,000
	 March 31, 2011
	  	$	39,000,000
	 June 30, 2011
	  	$	39,000,000
	 September 30, 2011
	  	$	39,000,000
	 December 31, 2011
	  	$	40,000,000
	 March 31, 2012
	  	$	40,000,000
	 June 30, 2012
	  	$	40,000,000
	 September 30, 2012
	  	$	40,000,000

  

 47 

 provided that: (1) for purposes of calculating Consolidated EBITDA of Borrower and its Subsidiaries
for any four (4) consecutive fiscal quarter period containing the fiscal quarter ended June 30, 2007, the Consolidated EBIDTA of Borrower and its Subsidiaries for the fiscal quarter ended June 30, 2007 shall be deemed to be
$8,279,000, (2) for purposes of calculating Consolidated EBITDA of Borrower and its Subsidiaries for any four (4) consecutive fiscal quarter containing the fiscal quarter ended September 30, 2007, the Consolidated EBITDA of Borrower
and its Subsidiaries for the fiscal quarter ended September 30, 2007 shall be deemed to be $9,468,000. 
 (b) Fixed Charge Coverage
Ratio. Permit or suffer the Fixed Charge Coverage Ratio, determined for the Borrower and its Subsidiaries on a Consolidated basis as of the end of each fiscal quarter (for the twelve (12) month period then ending) of the Borrower, to be
less than (i) 1.20 to 1.00 for the fiscal quarters ending March 31, 2008, June 30, 2008 and September 30, 2008 and (ii) 1.25 to 1.00 for the fiscal quarter ending December 31, 2008 and each fiscal quarter
thereafter: provided that: (1) for purposes of calculating the Consolidated Fixed Charge Coverage Ratio for the four (4) consecutive fiscal quarter period ending on March 31, 2008, the aggregate amount of all principal
payments required to be made by Borrower and its Subsidiaries during such period on that portion of Indebtedness owed to the Agent and the Lenders shall be deemed to be $4,000,000, and the amount of all obligations for interest paid or payable by
Borrower and its Subsidiaries in cash during such period shall be deemed to be an amount equal to the actual amount of all obligations for interest paid or payable by Borrower and its Subsidiaries in cash during the three-month period ending
March 31, 2008 multiplied by 4; (2) for purposes of calculating the Consolidated Fixed Charge Coverage Ratio for the four (4) consecutive fiscal quarter period ending on June 30, 2008, the aggregate amount of all principal
payments required to be made by Borrower and its Subsidiaries during such period on that portion of Indebtedness owed to the Agent and the Lenders shall be deemed to be $4,000,000, and the amount of all obligations for interest paid or payable by
Borrower and its Subsidiaries in cash during such period shall be deemed to be an amount equal to the actual amount of all obligations for interest paid or payable by Borrower and its Subsidiaries in cash during the 6-month period ending
June 30, 2008 multiplied by 2; and (3) for purposes of calculating the Consolidated Fixed Charge Coverage Ratio for the four (4) consecutive fiscal quarter period ending on September 30, 2008, the aggregate amount of all
principal payments required to be made by Borrower and its Subsidiaries during such period on that portion of Indebtedness owed to the Agent and Lenders shall be deemed to be $4,000,000, and the amount of all obligations for interest paid or payable
by Borrower and its Subsidiaries in cash during such period shall be deemed to be an amount equal to the actual amount of all obligations for interest paid or payable by Borrower and its Subsidiaries in cash during the 9-month period ending
September 30, 2008 multiplied by 12 and divided by 9; and provided further that for purposes of calculating the consolidated Fixed Charge Coverage Ratio for any four (4) consecutive fiscal quarter period containing the fiscal quarter ended
June 30, 2007 or the fiscal quarter ended September 30, 2007, the Consolidated EBITDA of Borrower and its Subsidiaries for the fiscal quarter ended June 30, 2007 and the fiscal quarter ended September 30, 2007 shall be deemed to
be as provided in the proviso under Section 7.02(a) above. 
  

 48 

 (c) Leverage Ratio. Permit or suffer the Leverage Ratio, determined for the Borrower and its
Subsidiaries on a Consolidated basis as of the end of each fiscal quarter of the Borrower after the Closing Date, to exceed the applicable ratio set forth below: 
  

			
	 Fiscal Quarter Ending
	  	 Maximum Consolidated
 Leverage Ratio

	 March 31, 2008
	  	3.00 to 1.00
	 June 30, 2008
	  	3.00 to 1.00
	 September 30, 2008
	  	3.00 to 1.00
	 December 31, 2008
	  	3.00 to 1.00
	 March 31, 2009
	  	2.50 to 1.00
	 June 30, 2009
	  	2.50 to 1.00
	 September 30, 2009
	  	2.50 to 1.00
	 December 31, 2009
	  	2.50 to 1.00
	 March 31, 2010
	  	2.00 to 1.00
	 June 30, 2010
	  	2.00 to 1.00
	 September 30, 2010
	  	2.00 to 1.00
	 December 31, 2010
	  	2.00 to 1.00
	 March 31, 2011
	  	2.00 to 1.00
	 June 30, 2011
	  	2.00 to 1.00
	 September 30, 2011
	  	2.00 to 1.00
	 December 31, 2011
	  	2.00 to 1.00
	 March 31, 2012
	  	2.00 to 1.00
	 June 30, 2012
	  	2.00 to 1.00
	 September 30, 2012
	  	2.00 to 1.00

  

 49 

 provided that for purposes of calculating the Consolidated Leverage Ratio for any four (4) consecutive
fiscal quarter period containing the fiscal quarter ended June 30, 2007 or the fiscal quarter ended September 30, 2007, the Consolidated EBITDA of Borrower and its Subsidiaries for the fiscal quarter ended June 30, 2007 and the fiscal
quarter ended September 30, 2007 shall be deemed to be as provided in the proviso under Section 7.02(a) above. 
 (d) Maximum
Loss Ratio. Permit or suffer the Loss Ratio determined for the Borrower and its Subsidiaries on a Consolidated basis, as of the end of each fiscal month of the Borrower after the Closing Date, measured on a trailing twelve (12) month basis,
to be less than or equal to twenty-eight percent (28%). 
 (e) Liens. Create, incur or suffer to exist any Lien on any of the assets,
rights, revenues or property, real, personal or mixed, tangible or intangible, whether now owned or hereafter acquired, of Borrower or any Subsidiary, other than the following (collectively, the “Permitted Liens”): 
 (i) Liens for taxes not delinquent or for taxes being contested in good faith by appropriate proceedings and as to which adequate
financial reserves have been established on its books and records; 
 (ii) Liens (other than any Lien imposed by ERISA)
created and maintained in the ordinary course of business which are not material in the aggregate, and which would not constitute or result in a Material Adverse Event, and which constitute (A) pledges or deposits under worker’s
compensation laws, unemployment insurance laws or similar legislation, (B) good faith deposits in connection with bids, tenders, contracts or leases to which Borrower is a party for a purpose other than borrowing money or obtaining credit,
including rent security deposits, (C) Liens imposed by law, such as those of carriers, warehousemen and mechanics, if payment of the obligation secured thereby is not yet due, and (D) pledges or deposits to secure public or statutory
obligations of Borrower or a Subsidiary, or surety, customs or appeal bonds to which Borrower or a Subsidiary is a party; 
 (iii) Liens affecting real property owned by Borrower or any Subsidiary which constitute minor survey exceptions or defects or irregularities in title, minor encumbrances, easements or reservations of, or rights of others for, rights of
way, sewers, electric lines, telegraph and telephone lines and other similar purposes, or zoning or other restrictions as to the use of such real property; provided, however, that all of the foregoing, in the aggregate, do not at any
time materially detract from the value of said properties or materially impair their use in the operation of the businesses of the Borrower or any Subsidiary; 
 (iv) each Lien described in Schedule 7.02(e) may be suffered to exist upon the same terms as those existing on the date hereof, but
no extension or renewal thereof shall be permitted except for a refinancing in the ordinary course of business for an amount not in excess of the original amount subject to such Lien; 
  

 50 

 (v) Liens arising out of judgments or awards against the Borrower or any Subsidiary with
respect to which the Borrower or such Subsidiary shall be prosecuting an appeal or proceeding for review and with respect to which it shall have obtained a stay of execution pending such appeal or proceeding for review; provided,
however, that the aggregate amount of judgments or awards, that are not insured by a financially sound and reputable insurer that has admitted liability without a reservation of rights, secured by such Liens shall not exceed $500,000 at any
time outstanding; 
 (vi) Liens on or upon any property existing at the time of acquisition thereof by any Borrower or any
Subsidiary; provided, however, that no such Lien shall (A) extend to or cover any other property, and (B) have been created in contemplation or as a result of such acquisition by the Borrower or such Subsidiary; 

(vii) Liens on or upon any property of a Person existing at the time such Person shall be merged into or acquired by the Borrower or
any Subsidiary pursuant to Section 7.02(f); provided, however, that no such Lien shall (A) extend to or cover any other property of any Borrower or such Subsidiary, (B) have been created in contemplation or as a result
of such merger or acquisition, and (C) secure Indebtedness assumed by Borrower or any Subsidiary in excess of $1,500,000; 
 (viii) purchase money Liens upon or in property of the Borrower or a Subsidiary acquired after the Closing Date; provided, however, that no such Lien shall extend to or cover any other property of the Borrower or a Subsidiary;

 (ix) Liens granted solely in connection with the execution and delivery of a Hedge Agreement between the Borrower and a
Lender or an Affiliate of a Lender; and 
 (x) Liens created under this Agreement. 
 (f) Merger, Purchase of Assets, Acquisitions, Etc. Purchase or otherwise acquire, whether in one or a series of transactions, all or a substantial
portion of the business, assets, rights, revenues or property, real, personal or mixed, tangible or intangible, of any Person, or all or a substantial portion of the capital stock of or other ownership interest in any other Person, other than a
Permitted Acquisition; nor merge or consolidate or amalgamate with any other person or take any other action having a similar effect (other than a Permitted Acquisition); nor enter into any joint venture or similar arrangement with any other person;
provided, further, that this Section 7.02(f) shall not prohibit any merger or consolidation solely between or among the Borrower and its Subsidiaries, so long as a Borrower is the surviving Person of such merger or consolidation.

 (g) Disposition of Assets; Etc. In a single transaction, sell, lease, license, transfer, assign or otherwise dispose of any of its
business, assets, rights, revenues or property, real, personal or mixed, tangible or intangible, for sale consideration in excess of $1,500,000, other than inventory sold in the ordinary course of business upon customary credit terms, sale of loans
receivable that have been charged off, sales of obsolete or damaged material or equipment, sales of used vehicles and trailers, and sales or redemptions of life insurance policies owned by the Borrower. 
  

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 (h) Nature of Business. Make any substantial change in the nature of its business from that
engaged in on the Closing Date or engage in any other businesses other than those in which it is engaged on the Closing Date. 
 (i)
Investments. Make or commit to make any Investment, other than a Permitted Investment. 
 (j) Transactions with Affiliates.
Enter into, or permit or suffer to exist, any transaction or arrangement with any Affiliate, except (i) on terms which are no less favorable to the Borrower than could be obtained from Persons who are not Affiliates and (ii) Investments
which are permitted under Section 7.02(i). 
 (k) Restricted Payments. Make or commit to make (i) any Distribution if a
Default or Event of Default has occurred and is continuing or would result from the proposed Distribution, or (ii) the redemption, repurchase, retirement or other acquisition of (or the setting apart of any sum in respect of any of the
foregoing actions) shares of capital stock of the Borrower or warrants, rights or options to purchase or acquire shares of any capital stock of the Borrower (other than an exchange of capital stock of the Borrower for other shares of capital stock
of the Borrower) if, a Default or Event of Default has occurred and is continuing or would result from any of the foregoing. 
 (l)
Indebtedness. Create, incur or suffer to exist any liability for Indebtedness, except: (i) to Agent and the Lenders under this Agreement, (ii) as specified in Schedule 7.02(l), (iii) other Indebtedness not exceeding
$500,000.00 in the aggregate, (iv) to any of the Lenders or an Affiliate of a Lender under a Hedge Agreement, (v) loans between the Borrower and its Subsidiaries which are Guarantors hereunder and (vi) Third Party Guarantees issued by
QC Financial Services of Texas, Inc. as a credit service organization. 
 (m) Contingent Liabilities. Create, incur or suffer to exist
any Contingent Liability, except Related Company Contingent Liabilities. 
 (n) Fiscal Year. Change its Fiscal Year. 
 (o) Amendment to or Creation of Stock Repurchase Program. Make any modification or amendment to its existing stock repurchase program to increase
the aggregate authorization for stock repurchases to an amount in excess of $60,000,000 or create or institute any new stock repurchase program. 
 (p) Redemption of Stock. Prior to the redemption, repurchase, retirement or acquisition of capital stock or the issuance of any warrant, right or option to purchase or acquire capital stock in a transaction that exceeds $1,000,000,
the Borrower shall provide to the Agent pro forma financial statements as of the end of the most recently completed fiscal quarter (together with calculation of the financial covenants contained in Section 7.02 and a calculation of the minimum
liquidity of the Borrower as referenced in item (ii) below), in form and content acceptable to the Agent, which evidence that the making or committing to make any of the 

  

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foregoing actions will not result in (i) a violation of any financial covenant contained in Section 7.02 of this Agreement or (ii) the sum of
the amount available to lend as shown on the most recent Borrowing Base Certificate plus the amount of cash and Cash Equivalents owned by the Borrower and its Subsidiaries which are not included in the Borrowing Base to be less than three
(3) months of Cash Operating Expenses. 
 ARTICLE VIII. DEFAULT 
 8.01 Events of Default. The occurrence of any one of the following events or conditions shall be deemed an “Event of Default” hereunder
unless waived by the Required Lenders pursuant to Section 11.01: 
 (a) Nonpayment. The Borrower shall fail to pay (i) when
due (whether by mandatory prepayment or otherwise) any principal of the Notes or (ii) more than five (5) days after the due date thereof, any interest on the Notes on any fees or any other Obligations payable hereunder. 
 (b) Misrepresentation. Any representation or warranty made by the Borrower in Article VI or in any certificate, report, financial statement or
other document furnished by the Borrower or a Guarantor in connection with this Agreement or any other Loan Document, shall prove to have been incorrect in any material respect when made or deemed made. 
 (c) Certain Covenants. Any term, covenant or agreement contained in Sections 7.01(d), 7.01(g), 7.02 shall be breached. 
 (d) Other Defaults. Any term, covenant or agreement contained in this Agreement or any other Loan Document (other than Section 7.02 or with
regard to payments) shall be breached, and such breach shall remain unremedied for thirty (30) calendar days after (i) notice thereof by the Borrower to Agent or (ii) the date Borrower was required to give notice to Agent under
Section 7.01(d)(i)(A). 
 (e) Other Indebtedness to the Lenders. The Borrower shall fail to pay any part of the principal of, the
premium, if any, or the interest on, or any other payment of money due under, any Indebtedness owed to the Lenders, other than Obligations under this Agreement, beyond any period of grace provided with respect thereto. 
 (f) Cross Default. The Borrower or any Subsidiary shall fail to pay any part of the principal of, the premium, if any, or the interest on, or any
other payment of money due under, any of its Indebtedness (other than Indebtedness under this Agreement or other Indebtedness owed to the Lenders), beyond any period of grace provided with respect thereto, which individually or together with other
such Indebtedness as to which any such failure exists has an aggregate outstanding principal amount in excess of $500,000; or the Borrower or any Subsidiary shall fail to perform or observe any other term, covenant or agreement contained in any
agreement, document or instrument evidencing or securing any such Indebtedness having such aggregate outstanding principal amount, or under which any such Indebtedness was issued or created, beyond any period of grace, if any, provided with respect
thereto if the effect of such failure is either (i) to cause, or permit the holders of such Indebtedness (or a trustee on behalf of such holders) to cause, any payment in respect of such Indebtedness to become due prior to its due date or
(ii) to permit the holders of such Indebtedness (or a trustee on behalf of such holders) to elect a majority of the board of directors of the Borrower. 
  

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 (g) Judgments. One or more judgments or orders for the payment of money in an aggregate amount of
$500,000 or more shall be rendered against the Borrower or any Subsidiary (other than any judgment for which a financially sound and reputable insurer has admitted liability without reservation of rights), or any other judgment or order (whether or
not for the payment of money) shall be rendered against or shall affect the Borrower or any Subsidiary which causes or could cause a Material Adverse Event or which does or could have an adverse effect on the legality, validity or enforceability of
this Agreement or any other Loan Document and either (i) such judgment or order shall have remained unsatisfied and the Borrower shall not have taken action necessary to stay enforcement thereof by reason of pending appeal or otherwise, prior
to the expiration of the applicable period of limitations for taking such action or, if such action shall have been taken, a final order denying such stay shall have been rendered, or (ii) enforcement proceedings shall have been commenced by
any creditor upon any such judgment or order. 
 (h) ERISA. The occurrence of one or more Reportable Events that result in or could
result in liability of the Borrower, any Subsidiary or their respective ERISA Affiliates to the PBGC or to any Plan of $250,000 or more, in the aggregate, and such Reportable Event or Events are not corrected within thirty (30) days after the
occurrence thereof; or the occurrence of any Reportable Event which could constitute grounds for termination of any Plan of the Borrower, any Subsidiary or their respective ERISA Affiliates by the PBGC or for the appointment by the appropriate
United States District Court of a trustee to administer any such Plan and such Reportable Event is not corrected within thirty (30) days after the occurrence thereof; or the filing by the Borrower, any Subsidiary or any of their respective
ERISA Affiliates of a notice of intent to terminate a Plan or the institution of other proceedings to terminate a Plan; or the Borrower, any Subsidiary or any of their respective ERISA Affiliates shall fail to pay when due any liability to the PBGC
or to a Plan; or the PBGC shall have instituted proceedings to terminate, or to cause a trustee to be appointed to administer, any Plan of the Borrower, any Subsidiary or their respective ERISA Affiliates; or any person engages in one or more
Prohibited Transactions with respect to any Plan which result in or could result in liability of any Borrower, a Subsidiary, any of their respective ERISA Affiliates, or any fiduciary of any such Plan of $250,000 or more, in the aggregate; or one or
more failures by the Borrower, any Subsidiary or any of their respective ERISA Affiliates to make a required installment or other payment to any Plan within the meaning of Section 302(f) of ERISA or Section 412(n) of the Code that result
in or could result in liability of the Borrower, any Subsidiary or any of their respective ERISA Affiliates to the PBGC or any Plan for $250,000 or more, in the aggregate; or the withdrawal of the Borrower, a Subsidiary or any of their respective
ERISA Affiliates from a Plan during a plan year in which it was a “substantial employer” as defined in Section 4001(a)(2) of ERISA; or the Borrower, a Subsidiary or any of their respective ERISA Affiliates becomes an employer with
respect to any Multi-Employer Plan without the prior written consent of the Agent. 
 (i) Insolvency, Etc. The Borrower shall be
dissolved or liquidated (or any final judgment, order or decree therefor shall be entered); or shall generally not pay its debts as they become due; or shall admit in writing its inability to pay its debts generally; or shall make a general
assignment for the benefit of creditors; or shall institute, or there shall be instituted 

  

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against the Borrower, any proceeding or case seeking to adjudicate it a bankrupt or insolvent or seeking liquidation, winding up, reorganization,
arrangement, adjustment, protection, relief or composition of it or its debts under any law relating to bankruptcy, insolvency or reorganization or relief or protection of debtors or seeking the entry of an order for relief, or the appointment of a
receiver, trustee, custodian or other similar official for it or for any substantial part of its assets, rights, revenues or property, and, if such proceeding is instituted against the Borrower and is being contested by the Borrower, in good faith
by appropriate proceedings, such proceeding shall remain undismissed or unstayed for a period of sixty (60) days; or shall take any action (corporate or other) to authorize or further any of the actions described above in this subsection.

 (j) Change of Control. There occurs any Change of Control with respect to the Borrower or any Guarantor. 
 (k) Enforceability of Loan Documents. This Agreement or any of the other Loan Documents shall, at any time after their respective execution and
delivery, and for any reason, cease to be in full force and effect or shall be declared null and void, or be revoked or terminated, or the validity or enforceability thereof or hereof shall be contested by the Borrower or any stockholder of the
Borrower, or the Borrower shall deny that it has any or further liability or obligation thereunder or hereunder, as the case may be. 
 (l)
Material Adverse Event Resulting From Legislation. Any state in which Borrower or any Subsidiary operates passes a law or laws that make deferred check cashing or payday lending illegal or unprofitable, and which would, with the passage of
time, constitute a Material Adverse Event. 
 (m) Material Adverse Event. The occurrence of a Material Adverse Event. 
 8.02 Remedies. 
 (a) Termination of
Commitment; Acceleration. Upon the occurrence and during the continuance of any Event of Default the Agent shall, at the request of, or may with the consent of, the Required Lenders, by notice to the Borrower terminate the Commitments or declare
the outstanding principal of, and accrued interest on, the Notes and all other Obligations to be immediately due and payable, or both, whereupon the Commitments shall terminate forthwith and all such amounts shall become immediately due and payable,
or both, and the Borrower shall deliver to Agent cash collateral in an amount equal to the Letter of Credit Outstandings; provided, however, that in the case of any event or condition described in Section 8.01(i) with respect to
the Borrower, the Commitments shall automatically terminate forthwith and all such amounts (including, without limitation, cash collateral for Letters of Credit) shall automatically become immediately due and payable without notice; in all cases
without demand, presentment, protest, diligence, notice of dishonor or other formality, all of which are hereby expressly waived. 
 (b)
Other Remedies. Upon the occurrence and during the continuance of an Event of Default, the Agent shall, at the request of, or may with the consent of, the Required Lenders, exercise and enforce any and all other rights and remedies available
to the Agent or the Lenders, whether arising under this Agreement or any other Loan Document or under applicable 

  

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law, in any manner deemed appropriate by the Agent, including suit in equity, action at law, or other appropriate proceedings, whether for the specific
performance (to the extent permitted by law) of any covenant or agreement contained in this Agreement or in any other Loan Document or in aid of the exercise of any power granted in this Agreement or any other Loan Document or under applicable law.

 (c) Set Off. Upon the occurrence and during the continuance of any Event of Default, the Lenders may at any time and from time to
time, without advance notice to the Borrower (any requirement for such advance notice being expressly waived by the Borrower) set off and apply against any and all of the Obligations any and all deposits (general or special, time or demand,
provisional or final) at any time held and other indebtedness at any time owing by the Lenders to or for the credit or the account of the Borrower and any property of any Borrower from time to time in possession of the Lenders, irrespective of
whether or not the Agent or the Lenders shall have made any demand hereunder. The Borrower hereby grants to the Lenders a Lien on all such deposits, indebtedness and property as collateral security for the payment and performance of the Obligations.

 ARTICLE IX. AGENCY PROVISIONS 
 9.01 Appointment of Agent. U.S. Bank is hereby appointed Agent hereunder and under each of the other Loan Documents. Each Lender irrevocably authorizes U.S. Bank to act as the Agent for such Lender. Agent shall
not have any duties or responsibilities except those expressly stated in the Loan Documents, nor any fiduciary relationship with any Lender, and no implied covenants, functions, duties, responsibilities, obligations or liabilities shall be read into
the Loan Documents or otherwise exist against Agent by reason of this Agreement. 
 9.02 Powers. Agent shall have and may exercise
such powers hereunder as are specifically delegated to Agent by the terms hereof, together with such powers as are reasonably incidental thereto. Agent shall not have any implied duties to Lenders, or any obligation to Lenders to take any action
hereunder except action specifically provided by this Agreement to be taken by Agent. 
 9.03 General Immunity of Agent. Neither Agent
nor any of its directors, officers, agents, or employees shall be liable to any Lender for any act or failure to act with respect to their respective duties hereunder that does not constitute gross negligence or willful misconduct. 
 9.04 No Responsibility for Loans, Recitals, etc. Agent and its directors, officers, agents, and employees shall not be responsible to Lenders for
any recitals, reports, statements, warranties or representations herein or in any other Loan Document or be bound to ascertain or inquire as to the performance or observance of any of the terms of this Agreement. 
 9.05 Actions on Instructions of Required Lenders. Agent and its directors, officers, agents, and employees shall in all cases be fully protected
in acting, or in refraining from acting, hereunder in accordance with written instructions executed by the Required Lenders, and such instructions and any act or failure to act pursuant thereto shall be binding on all Lenders and on all holders of
Notes. 
  

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 9.06 Employment of Agents and Counsel. Agent may execute any of their duties hereunder by or
through employees, agents, and attorneys-in-fact and shall not be answerable to Lenders, except as to money or securities received by them or their authorized agents, for the default or misconduct of any such agents or attorneys-in-fact selected by
them with reasonable care. Agent, at its own expense, shall be entitled to advice of counsel concerning all matters pertaining to the agency hereby created and its duties hereunder. 
 9.07 Reliance on Documents; Counsel. Agent shall be entitled to rely upon any notice, consent, certificate, affidavit, letter, telegram,
statement, paper or document believed by it to be genuine and correct and to have been signed or sent by the proper person or persons, and, in respect to legal matters, upon the opinion of counsel selected by it, which counsel may be its employees.

 9.08 Agent’s Reimbursement and Indemnification Rights. Lenders agree to reimburse and indemnify Agent pro rata according to
their applicable Commitment percentages: (i) for any amounts not reimbursed by the Borrower for which Agent is entitled to reimbursement by the Borrower under the Loan Documents, including without limitation, fees and expenses incurred by Agent
for its legal counsel, (ii) for any other expenses incurred by Agent on behalf of the Lenders in connection with the enforcement of the Loan Documents, and (iii) for any liabilities, obligations, losses, damages, penalties, actions,
judgments, suits, costs, expenses or disbursements of any kind and nature whatsoever which may be imposed on, incurred by or asserted against Agent in any way relating to or arising out of this Agreement or any other document delivered in connection
with this Agreement or the transactions contemplated hereby or the enforcement of any of the terms hereof or of any such other documents; provided, however, that no Lender shall be liable for any of the foregoing to the extent arising
from any act or failure to act of Agent that constitutes gross negligence or willful misconduct with respect to its duties as Agent hereunder. 
 9.09 Rights as a Lender. With respect to its Commitments, Loans made by it and the Notes issued to it, Agent shall have the same rights and powers hereunder as any Lender and may exercise the same as though it was not Agent and the
term “Lender” or “Lenders” shall, unless the context otherwise indicates, include Agent and in its individual capacity as a lender hereunder. Agent may accept deposits from, lend money to, and generally engage in any kind of
banking or trust business with the Borrower or any Subsidiary or Affiliate of the Borrower as if it were not Agent hereunder. 
 9.10
Independent Credit Decisions. Each Lender acknowledges that it has, independently and without reliance upon Agent or any other Lender, and based on the initial financial statements prepared by the Borrower and such other documents and
information as it has deemed appropriate, made its own credit analysis and decision to enter into this Agreement and the other Loan Documents. Each Lender also acknowledges that it will, independently and without reliance upon Agent or any other
Lender, and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under this Agreement and the other Loan Documents. 
 9.11 Successor Agents. Agent may resign at any time by giving written notice thereof to Lenders and the Borrower. At the time of such resignation,
Agent shall have the right to 

  

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assign its rights and delegate its associated obligations as Agent under the Loan Documents to one or more other financial institutions. If Agent resigns
without assigning its rights and delegating its associated obligations as Agent under the Loan Documents, then the Required Lenders, with (absent the existence of an Event of Default) the consent of the Borrower which shall not be unreasonably
withheld, shall have the right to appoint, on behalf of the Borrower and Lenders, a successor Agent. If no successor Agent shall have been so appointed by the Required Lenders and shall have accepted such appointment within thirty (30) days
after the retiring Agent or giving notice of resignation, the retiring Agent may appoint, on behalf of the Borrower and Lenders, a successor Agent. Such successor Agent shall be a commercial bank having capital and retained earnings of at least
$250,000,000. Agent’s resignation shall not be effective until a successor Agent has been appointed and accepts such appointment. Upon a successor Agent’s acceptance of its appointment, such successor Agent shall succeed to and become
vested with all the rights, powers, privileges and duties of the resigning Agent as such, and the resigning Agent shall be discharged from its duties and obligations as Agent hereunder. After the resignation of Agent, the provisions of this Article
IX shall continue in effect for the resigning Agent’s benefit in respect of any act or failure to act while it was Agent hereunder. 
 9.12 Notification of Lenders. Each Lender agrees to use its good faith efforts, upon becoming aware of anything which would likely constitute a Material Adverse Event, to promptly notify the Agent thereof. Agent shall promptly
deliver to each Lender copies of every written notice, demand, report (including any financial report), or other writing which Agent gives to or receives from the Borrower and which itself (i) constitutes, or which contains information about,
something that would likely constitute a Material Adverse Event with respect to the Obligations, or (ii) is otherwise delivered to Agent by the Borrower pursuant to the Loan Documents and is deemed material information by Agent in its sole
discretion. Agent and its directors, officers, agents, and employees shall have no liability to any Lender for failure to deliver any such item to such Lender unless the failure constitutes gross negligence or willful misconduct. 
 9.13 No Knowledge of Default. Agent shall not be deemed to have knowledge of any Default or Event of Default unless Agent has received written
notice thereof from a Lender or the Borrower referring to this Agreement and describing such Default or Event of Default, or Agent otherwise has actual knowledge thereof. If Agent receives such notice or otherwise acquires such actual knowledge,
Agent shall notify Lenders of the same, solicit advice from Lenders as to the appropriate course of action, and take such action as is directed by the Required Lenders; provided, however, that unless and until Agent has received such directions,
Agent may at its option take such actions as it deems appropriate without the direction of the Required Lenders in circumstances where the ability of Lenders to recover the Obligations may otherwise be materially impaired. 
 9.14 Agent May File Proofs of Claim. In case of the pendency of any receivership, insolvency, liquidation, bankruptcy, reorganization,
arrangement, adjustment, composition or other judicial proceeding relative to Borrower or any Guarantor, Agent (irrespective of whether the principal of the Loans or any Reimbursement Obligation shall then be due and payable as herein expressed or
by declaration or otherwise and irrespective of whether Agent shall have made any demand on Borrower) shall be entitled and empowered, by intervention in such proceeding or otherwise: 
 (a) to file and prove a claim for the whole amount of the principal and interest owing and unpaid in respect of the Loans, the Reimbursement Obligations
and all other Obligations that are owing and unpaid and to file such other documents as may be necessary or advisable in order to have the claims of the Lenders allowed in such judicial proceeding; and 
  

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 (b) to collect and receive any monies or other property payable or deliverable on any such claims and to
distribute the same; 
 and any custodian, receiver, assignee, trustee, liquidator, sequestrator or other similar official in any such judicial proceeding is
hereby authorized by each Lender to make such payments to Agent and, in the event that Agent shall consent to the making of such payments directly to the Lenders, to pay to Agent any amount due for the reasonable compensation, expenses,
disbursements and advances of Agent and its agents and counsel, and any other amounts due Agent. Nothing contained herein shall be deemed to authorize Agent to authorize or consent to or accept or adopt on behalf of any Lender any plan of
reorganization, arrangement, adjustment or composition affecting the Obligations or the rights of any Lender or to authorize Agent to vote in respect of the claim of any Lender in any such proceeding. 
 9.15 Collateral Matters. 
 (a) Each
Lender hereby irrevocably authorizes and directs Agent to enter into the Loan Documents relating to Collateral for the benefit of such Lender. Each Lender hereby agrees, and each holder of any Note by the acceptance thereof will be deemed to agree,
that, except as otherwise set forth in Section 11.01, any action taken by the Required Lenders, in accordance with the provisions of this Agreement or the other Loan Documents, and the exercise by the Required Lenders of the powers set forth
herein or therein, together with such other powers as are reasonably incidental thereto, shall be authorized and binding upon all of the Lenders. Agent is hereby authorized (but not obligated) on behalf of all of the Lenders, without the necessity
of any notice to or further consent from any Lender, from time to time prior to, an Event of Default, to take any action with respect to any Collateral or Collateral Documents related thereto which may be necessary to perfect and maintain perfected
the Liens upon the Collateral granted pursuant to such loan Documents. 
 (b) Each Lender hereby irrevocably authorizes Agent, at its option
and in its discretion, 
 (i) to release any lien on any property granted to or held by Agent under any Loan Document
(A) upon termination of the Aggregate Commitments and payment in full of all Obligations (other than contingent indemnification obligations) and the expiration or termination of all Letters of Credit, (B) that is sold or to be sold as part
of or in connection with any sale permitted hereunder or under any other Loan Document, (C) if approved, authorized or ratified in writing by all Lenders, or (D) in connection with any foreclosure sale or other disposition of Collateral
after the occurrence of an Event of Default; and 
  

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 (ii) to subordinate any Lien on any property granted to or held by Agent under any Loan
Document to the holder of any Lien on such property that is permitted by this Agreement or any other Loan Document. 
 Upon request by Agent at any time,
each Lender will confirm in writing Agent’s authority to release or subordinate its interest in particular types or items of Collateral pursuant to this Section 9.15(b). 
 (c) Subject to (b) above, Agent shall (and is hereby irrevocably authorized by each Lender to), execute such documents as may be necessary to
evidence the release or subordination of the Liens granted to Agent for the benefit of Agent and the Lenders herein or pursuant hereto upon the applicable Collateral; provided that (i) Agent shall not be required to execute any such document on
terms which, in Agent’s opinion, would expose Agent to or create any liability or entail any consequence other than the release or subordination of such Liens without recourse or warranty and (ii) such release or subordination shall not in
any manner discharge, affect or impair the Obligations or any Liens upon (or obligations of Borrower or any Guarantor in respect of) all interests retained by Borrower or any Guarantor, including the proceeds of the sale, all of which shall continue
to constitute part of the Collateral. In the event of any sale or transfer of Collateral, or any foreclosure with respect to any of the Collateral, Agent shall be authorized to deduct all expenses reasonably incurred by Agent from the proceeds of
any such sale, transfer or foreclosure. 
 (d) Agent shall have no obligation whatsoever to any Lender or any other Person to assure that the
Collateral exists or is owned by Borrower or any other Person or is cared for, protected or insured or that the Liens granted to Agent herein or in any of the Collateral Documents or pursuant hereto or thereto have been properly or sufficiently or
lawfully created, perfected, protected or enforced or are entitled to any particular priority, or to exercise or to continue exercising at all or in any manner or under any duty of care, disclosure or fidelity any of the rights, authorities and
powers granted or available to Agent in this Section 9.15 or in any of the Loan Documents as they relate to the Collateral, it being understood and agreed that in respect of the Collateral, or any act, omission or event related thereto, Agent
may act in any manner it may deem appropriate, in its sole discretion, given Agent’s own interest in the Collateral as one of the Lenders and that Agent shall have no duty or liability whatsoever to the Lenders. 
 (e) The Lenders hereby appoint each other Lender as agent for the purpose of perfecting the Lenders’ security interest in assets which, in
accordance with Article 9 of the UCC can be perfected only by possession. Should any Lender (other than Agent) obtain possession of any such Collateral, such Lender shall notify Agent thereof, and, promptly upon Agent’s request therefore shall
deliver such Collateral to Agent or in accordance with Agent’s instructions. 
 ARTICLE X. PAYMENT CONVENTIONS 

10.01 Pro Rata Payments. Except as otherwise specified herein: (a) each payment on account of the principal of and interest on Loans, the
fees described in Section 2.11(a) and (b), and the Reimbursement Obligations as to which the Lenders have funded their respective Participations which remain outstanding, shall be made to the Agent for the account of the 

  

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Lenders pro rata based on their Applicable Revolving Commitment Percentages and their Applicable Term Loan Commitment Percentages, and (b) the Agent
will promptly distribute to the Lenders in immediately available funds payments received in fully collected, immediately available funds from the Borrower. 
 10.02 Intraday Funding. Without limiting the provisions of Section 10.03, unless the Borrower or any Lender has notified the Agent not later than 10:00 a.m. of the Business Day before the date any payment
(including in the case of Lenders any Loan) to be made by it is due, that it does not intend to remit such payment, the Agent may, in its discretion, assume that each Borrower or the Lender, as the case may be, has timely remitted such payment in
the manner required hereunder and may, in its discretion and in reliance thereon, make available such payment (or portion thereof) to the Person entitled thereto as otherwise provided herein. If such payment was not in fact remitted to the Agent in
the manner required hereunder, then: 
 (a) If the Borrower fails to make such payment, each Lender shall forthwith on demand repay to the
Agent the amount of such assumed payment made available to such Lender, together with interest thereon in respect of each day from and including the date such amount was made available by the Agent to such Lender to the date such amount is repaid to
the Agent at the Federal Funds Rate; and 
 (b) If any Lender failed to make such payment, the Agent shall be entitled to recover such
corresponding amount forthwith upon the Agent’s demand therefore, the Agent promptly shall notify the Borrower, and the Borrower shall promptly repay such corresponding amount to the Agent in immediately available funds upon receipt of such
demand. Agent also shall be entitled to recover interest on such corresponding amount in respect of each day from the date such corresponding amount was made available by the Agent to the Borrower to the date such corresponding amount is recovered
by the Agent, and (i) from such Lender at a rate per annum equal to the daily Federal Funds Rate, or (ii) from the Borrower, at a rate per annum equal to the interest rate applicable to the Loan which includes such corresponding amount.
Until the Agent shall recover such corresponding amount together with interest thereon, such corresponding amount shall constitute a deficiency advance within the meaning of Section 10.03. Nothing herein shall be deemed to relieve any Lender
from its obligations to fulfill its commitments hereunder or to prejudice any rights which the Agent or the Borrower may have against any Lender as a result of any default by such Lender hereunder. 
 10.03 Deficiency Advances; Failure to Purchase Participations. No Lender shall be responsible for any default of any other Lender in respect to
such other Lender’s obligation to make any Loan hereunder or to fund its purchase of any Participation hereunder, nor shall the Revolving Loan Commitment, the Term Loan Commitment or the Letter of Credit Commitment (as identified on Schedule
2.01) of any Lender hereunder be increased as a result of such default of any other Lender. Without limiting the generality of the foregoing or the provisions of Section 10.02, in the event any Lender shall fail to advance funds to the
Borrower as herein provided, the Agent may, in its discretion, but shall not be obligated to, advance under the applicable Note in its favor as a Lender all or any portion of such amount or amounts (“deficiency advance”) and shall
thereafter be entitled to payments of principal of and interest on such deficiency advance in the same manner and at the same interest rate or rates to which such other Lender would have been entitled had it made such Loan; provided that
(a) such Defaulting 

  

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Lender shall not be entitled to receive payments of principal, interest or fees with respect to such deficiency advance until such deficiency advance
(together with interest thereon as provided in clause (b)) shall be made by such Lender, and (b) upon payment to the Agent from such other Lender of the entire outstanding amount of each deficiency advance, together with accrued and unpaid
interest thereon, from the most recent date or dates interest was paid to the Agent by Borrowers on each Loan comprising the deficiency advance at the Federal Funds Rate, then such payment shall be credited against the applicable Note of the Agent
in full payment of such deficiency advance and such Borrower shall be deemed to have borrowed the amount of such deficiency advance from such other Lender as of the most recent date or dates, as the case may be, upon which any payments of interest
were made by such Borrower thereon. In the event any Lender shall fail to fund its purchase of a Participation after notice from the Issuing Lender, such Lender shall pay to the Issuing Lender such amount on demand, together with interest at the
Federal Funds Rate on the amount so due from the date of such notice to the date such purchase price is received by the Issuing Lender. 
 ARTICLE XI. MISCELLANEOUS 
 11.01 Amendments and Waivers. No modification, amendment or waiver of any
provision of any of the Loan Documents, including, without limitation, this Agreement, and no consent to any departure therefrom by the Borrower, shall in any event be effective unless the same shall be in writing and signed by Agent on behalf of
the Required Lenders or by the Required Lenders, and then such waiver, amendment, modification or consent shall be effective only in the specific instance and for the purpose for which given; provided, however, that no such
modification, amendment, waiver or consent shall, without the written consent of all the Lenders (other than any Defaulting Lenders): (i) increase or decrease the Commitment of a Lender, (ii) extend the Termination Date, (iii) alter
the stated maturity or principal amount of any Loan, the amortization schedule for any Loan, or the rate of interest payable on any Loan, the expiry date of any Letter of Credit or the maturity or amount of any other payment required to be made
under this Agreement, (iv) release any portion of any collateral security which may be granted to the Agent for the pro rata benefit of the Lenders for the Obligations except in connection with the disposition of assets as allowed by
Section 7.02(g) above, or (v) amend, modify or waive the definition of Required Lenders; provided, further, that no amendment, consent, modification or waiver shall affect the rights or duties of the Agent under any of the
Loan Documents, unless in writing and signed by the Agent in addition to the Lenders required hereinabove to take such action. No failure on the part of the Agent or any Lender to exercise, and no delay in exercising, any right hereunder shall
operate as a waiver thereof or preclude any other or further exercise thereof or the exercise of any other right. The remedies herein provided are cumulative and not exclusive of any remedies provided by law. The Agent shall furnish to the Lenders a
copy of any written request from the Borrower for any amendment, waiver or consent, together with any amendment to this Agreement. 
 11.02
Notices. 
 (a) General. All notices, requests, consents and other communications hereunder shall be in writing and shall be
hand delivered or sent by certified or registered mail or courier service to the Borrower, the Agent, or the Lenders at the “Address for Notices” set forth on the signature pages hereof; or to such other address as may be designated by the
Borrower, 

  

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the Agent, or the Lenders by written notice to each other. All notices, requests, consents and other communications shall be deemed to have been given when
received if hand delivered, if mailed by certified or registered mail, postage prepaid, on the third (3rd) day after such mailing, or if deposited with an expedited courier service such as “Federal Express”, on the Business Day
following such deposit, in all cases, addressed to the respective address set forth on the signature pages hereof or as may otherwise be designated in accordance herewith. 
 (b) Notices of Termination or Prepayment. Notices by the Borrower to the Agent with respect to terminations or reductions of the Commitment
pursuant to Section 2.07, and notices of prepayment pursuant to Section 2.05 shall be irrevocable and binding on the Borrower. 
 11.03 No Waiver By Conduct; Remedies Cumulative. No course of dealing on the part of the Agent or the Lenders, nor any delay or failure on the part of the Agent or the Lenders in exercising any right, power or privilege hereunder or
under any other Loan Document shall operate as a waiver of such right, power or privilege or otherwise prejudice the Agent’s or the Lenders’ rights and remedies hereunder or under any other Loan Document; nor shall any single or partial
exercise thereof preclude any further exercise thereof or the exercise of any other right, power or privilege. No right or remedy conferred upon or reserved to the Agent or the Lenders under this Agreement or under any other Loan Document, is
intended to be exclusive of any other right or remedy, and every right and remedy shall be cumulative and in addition to every other right or remedy granted thereunder or now or hereafter existing under any applicable law. Every right and remedy
granted by this Agreement or under any other Loan Document or by applicable law to the Agent or the Lenders may be exercised from time to time and as often as may be deemed expedient by the Agent or the Lenders. 
 11.04 Reliance on and Survival of Various Provisions. All terms, covenants, agreements, representations and warranties of the Borrower made herein
or in any certificate, report, financial statement or other document furnished by the Borrower in connection with this Agreement or any other Loan Document shall be deemed to have been relied upon by the Agent and the Lenders, notwithstanding any
investigation heretofore or hereafter made by the Agent or the Lenders, and those covenants and agreements of the Borrower set forth in Section 11.05 shall survive the repayment in full of the Obligations and the termination of the Commitments.

 11.05 Expenses; Indemnification. The Borrower agrees to pay, or reimburse the Agent for the payment of, on demand, (a) the
reasonable fees and expenses of outside counsel to the Agent in connection with the preparation, execution, delivery and administration of this Agreement and the consummation of the transactions contemplated hereby, and in connection with advising
the Agent as to their rights and responsibilities with respect thereto, and in connection with any amendments, waivers or consents in connection therewith, and (b) all stamp and other taxes and fees payable or determined to be payable in
connection with the execution, delivery, filing or recording of this Agreement, the Notes and the other Loan Documents and the consummation of the transactions contemplated hereby, and any and all liabilities with respect to or resulting from any
delay in paying or omitting to pay such taxes or fees, and (c) all reasonable costs and expenses of the Agent and the Lenders (including reasonable fees and expenses of counsel and whether incurred through negotiations, legal proceedings or
otherwise) in connection with any Default or Event of Default or the enforcement of, or the exercise or 

  

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preservation of any rights under, this Agreement or any other Loan Document or in connection with any refinancing or restructuring of the credit arrangements
provided under this Agreement. The Borrower further agrees to indemnify the Agent and the Lenders for any and all liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses or disbursements of any kind and
nature whatsoever (including reasonable attorneys’ fees) which may be imposed on, incurred by or asserted against the Agent or the Lenders in any way relating to or arising out of their duties under this Agreement or any other Loan Documents or
the transactions contemplated hereby (excluding, unless a Default or an Event of Default has occurred and is continuing, normal administrative costs and expenses incident to the performance of their duties hereunder); provided however,
that the Borrower shall not be liable for any of the foregoing to the extent they arise from the gross negligence or willful misconduct of the Agent or the Lenders. Borrower and its Subsidiaries, taken as a whole, will not be obligated under this
Section 11.05 or any indemnification provision of any Guaranty or Subsidiary Security Agreement or any other agreement delivered by Borrower or a Subsidiary pursuant to this Agreement for (i) more than one firm of attorneys (together with
local counsel from other firms, if reasonably necessary) representing Agent and all Lenders on any matter for which indemnification is sought, or (ii) any disputes or claims between the Agent and any one or more of the Lenders or between any
Lender with one or more other Lenders. 
 11.06 Successors and Assigns. This Agreement shall be binding upon and inure to the benefit
of the parties hereto and their respective successors and assigns; provided, however, that the Borrower may not assign their rights or obligations hereunder or under the Notes and the Lenders shall not be obligated to make any Loan
hereunder to any person other than the Borrower. 
 11.07 Assignments and Participations. 
 (a) Permitted Assignments. At any time after the Closing Date, any Lender may assign to one or more banks or financial institutions all or a
portion of its rights and obligations under this Agreement (including all or a portion of the Notes payable to it), provided that the terms of assignment satisfy the following requirements (the “Assignment and Acceptance”): 
 (i) The Agent shall have accepted the assignment and the Borrower shall have consented to the assignment, which acceptance and consent
shall not be unreasonably withheld. 
 (ii) Each such assignment shall be of a constant, and not a varying, percentage of all
of the assigning Lender’s rights and obligations under this Agreement. 
 (iii) For each assignment involving the
issuance and transfer of Notes, the assigning Lender, the assignee thereunder, Borrower and Agent shall execute an Assignment and Acceptance in the form attached hereto as Exhibit G. 
 (iv) The minimum Commitment which shall be assigned (which shall include the applicable portion of the assigning Lender’s Commitment)
is $5,000,000 or such lesser amount which constitutes such Lender’s entire Commitment; provided, however, that no such minimum shall apply between a Lender and its Affiliates. 
  

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 (v) The assignee shall have an office located in the United States. 
 (b) Consequences and Effect of Assignments. 
 (i) From and after the effective date specified in any Assignment and Acceptance, the assignee shall be deemed and treated as a party to this Agreement and, to the extent that rights and obligations hereunder and
under the Notes held by the assignor have been assigned or negotiated to the assignee pursuant to such Assignment and Acceptance, to have the rights and obligations of a Lender hereunder as fully as if such assignee had been named as a Lender in
this Agreement and of a holder of such Notes, and the assignor shall, to the extent that rights and obligations hereunder or under such Notes have been assigned or negotiated by it pursuant to such Assignment and Acceptance, relinquish its rights
and be released from its future obligations under this Agreement. 
 (ii) By executing and delivering an Assignment and
Acceptance, the assignor thereunder and the assignee confirm to and agree with each other and the other parties hereto as follows: (i) the assignment made under such Assignment and Acceptance is made under such Assignment and Acceptance without
recourse; (ii) such assignor makes no representation or warranty and assumes no responsibility with respect to the financial condition of Borrower or the performance or observance by Borrower of any of their Obligations; (iii) such
assignee confirms that it has received a copy of this Agreement, together with copies of the most recent financial statements of Borrower, and such other Loan Documents and other documents and information as it has deemed appropriate to make its own
credit analysis and decision to enter into such Assignment and Acceptance; (iv) such assignee will, independently and without reliance upon the Agent, such assignor, or any other Lender, and based on such documents and information as it deems
appropriate at the time, continue to make its own credit decisions in taking or not taking action under this Agreement; (v) such assignee appoints and authorizes the Agent to take such action as agent on its behalf and to exercise such powers
under this Agreement and the other Loan Documents as are delegated to the Agent by the terms hereof and thereof, together with such powers as are reasonably incidental thereto; and (vi) such assignee agrees that it will perform in accordance
with their terms all of the obligations which by the terms of this Agreement are required to be performed by it as a Lender and a holder of a Note. 
 (c) No Further Assignment; Assignment Fee. No assignee shall have the right to further assign its rights and obligations pursuant to Section 11.07(a). Any Lender which makes an assignment shall pay to the Agent a one-time
administrative fee of $3,500, which shall not be reimbursed by Borrower. 
 (d) Agent to Retain Copies of Assignments and Acceptances.
Agent shall maintain a copy of each Assignment and Acceptance delivered to and accepted by it. 
  

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 (e) Notice to Borrower of Assignment. Upon its receipt of an Assignment and Acceptance executed by
an assigning Lender and the other parties thereto as aforesaid, if Agent accepts the assignment contemplated thereby, Agent shall give prompt notice thereof to Borrower. If the Borrower consents to the assignment contemplated thereby, which consent
shall not be unreasonable withheld, Borrower shall execute and deliver replacement Notes to the assignor and assignee as requested by Agent and necessary to give effect to the assignment. Upon its receipt of such Notes, assignor shall mark its old
Note paid or cancelled and shall return the same to the Borrower. 
 (f) Sale of Participations. Each Lender may, at its own cost,
sell participations to one or more banks or other entities as to all or a portion of its rights and obligations under this Agreement provided that the terms of sale satisfy the following requirements: 
 (i) Such Lender’s obligations under this Agreement shall remain unchanged. 
 (ii) Such Lender shall remain solely responsible to the other parties hereto for the performance of such obligations. 
 (iii) Such Lender shall remain the holder of any Notes issued to it for the purpose of this Agreement. 
 (iv) Such participations shall be in a minimum amount of $5,000,00; provided, however, that no such minimum amount shall apply between any
Lender and its Affiliates. 
 (v) Borrower, Agent, and the other Lenders shall continue to deal solely and directly with such
Lender in connection with such Lender’s rights and obligations under this Agreement and with regard to Loans and payments to be made under this Agreement. Participation agreements between a Lender and its participants may, however, provide that
such Lender will obtain the approval of such participant prior to such Lender agreeing to any amendment or waiver of any provisions of this Agreement which would require the consent of all of the Lenders under Section 11.01 of this Agreement.

 The sale of any such participations which require Borrower to file a registration statement with the Securities Exchange Commission or under the
securities laws of any state shall not be permitted. 
 (g) Assignments to Affiliates. Notwithstanding anything in Section 11.07
to the contrary, any Lender may assign all or any portion of its interest in the Loans to its Affiliate without the acceptance or consent of Agent or Borrower and without payment of any fees. 
 11.08 Disclosure of Information. The Borrower authorizes the Agent and the Lenders to disclose to any participant or assignee of the Lenders
consented to by the Borrower as provided in Section 11.07 or to any successor of any Lender (each, a “Transferee”) and any prospective Transferee any and all financial and other information in the Agent’s or the
Lenders’ possession 

  

 66 

 
concerning the Borrower which has been delivered to the Agent or the Lenders by the Borrower pursuant to this Agreement or the other Loan Documents or which
has been received by the Agent or the Lenders in connection with its credit evaluation of the Borrower prior to entering into this Agreement. All such information given to a Transferee shall be treated by such Transferee as confidential and shall
not be disclosed by such Transferee to any third party or used for any purpose other than to evaluate the Borrower. 
 11.09 Counterparts;
Facsimile Signatures. This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument and any of the parties hereto may execute this Agreement by signing any such
counterpart. Any party to this Agreement may execute the same and return the executed page(s) to Agent by facsimile transmission, and said facsimile signature shall be binding on and enforceable against such party in the same manner as if said
signature were an original. Any party executing this Agreement by facsimile shall promptly thereafter provide Agent with original signature pages. 
 11.10 Governing Law. 
 (a) General. This Agreement is a contract made under, and shall be governed by and construed in
accordance with, the laws of the State of Kansas applicable to contracts made and to be performed entirely within such State and without giving effect to choice of law principles of such State. The Borrower further agrees that any legal action or
proceeding with respect to this Agreement or any other Loan Document or the transactions contemplated hereby may be brought in any state court of the State of Kansas sitting in Johnson County, Kansas or in any federal court of the United States of
America sitting in the Eastern District of Kansas, and the Borrower hereby submits to and accepts generally and unconditionally the jurisdiction of those courts with respect to its person and property. 
 (b) Suit in Other Jurisdictions. Nothing in Section 11.10(a) shall affect the right of the Agent or the Lenders to serve legal process in any
other manner permitted by law or affect the right of the Agent or the Lenders to bring any action or proceeding against the Borrower or its property in the courts of any other jurisdictions. 
 (c) Immunity. To the extent that the Borrower has or hereafter may acquire any immunity from jurisdiction of any court or from any service of
process (whether from service or notice, or otherwise) with respect to itself or its property, the Borrower hereby irrevocably waives such immunity in respect of its obligations under this Agreement, the Notes and the other Loan Documents.

 11.11 Table of Contents and Headings. The table of contents and the headings of the various Articles, Sections and paragraphs
hereof are for the convenience of reference only and shall in no way modify any of the terms or provisions hereof. 
 11.12 Construction
of Certain Provisions. If any provision of this Agreement refers to any action to be taken by any person, or which such person is prohibited from taking, such provision shall be applicable whether such action is taken directly or indirectly by
such person, whether or not expressly specified in such provision. 
  

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 11.13 Integration and Severability. This Agreement and the other Loan Documents embody the entire
agreement and understanding between the Borrower, the Agent and the Lenders, and supersede all prior agreements and understandings relating to the subject matter hereof. In case any one or more of the obligations of the Borrower under this Agreement
or any other Loan Document shall be invalid, illegal or unenforceable in any jurisdiction, the validity, legality and enforceability of the remaining obligations of the Borrower shall not in any way be affected or impaired thereby, and such
invalidity, illegality or unenforceability in one jurisdiction shall not affect the validity, legality or enforceability of the obligations of the Borrower under this Agreement or any other Loan Document in any other jurisdiction. 
 11.14 Independence of Covenants. All covenants hereunder shall be given independent effect so that if a particular action or condition is not
permitted by any such covenant, the fact that it would be permitted by an exception to, or would be otherwise within the limitations of, another covenant shall not avoid the occurrence of a Default or an Event of Default or any event or condition
which with notice or lapse of time, or both, could become such a Default or an Event of Default if such action is taken or such condition exists. 
 11.15 Interest Rate Limitation. Notwithstanding any provisions of this Agreement or any other Loan Document, in no event shall the amount of interest paid or agreed to be paid by the Borrower exceeds an amount computed at the highest
rate of interest permissible under applicable law. If, from any circumstances whatsoever, fulfillment of any provision of this Agreement or any other Loan Document at the time performance of such provision shall be due, shall involve exceeding the
interest rate limitation validly prescribed by law which a court of competent jurisdiction may deem applicable hereto, then, ipso facto, the obligations to be fulfilled shall be reduced to an amount computed at the highest rate of interest
permissible under applicable law, and if for any reason whatsoever the Lenders shall ever receive as interest an amount which would be deemed unlawful under such applicable law such interest shall be automatically applied to the payment of principal
of the Loans outstanding hereunder (whether or not then due and payable) and not to the payment of interest, or shall be refunded to the Borrower if such principal and all other Obligations of the Borrower to the Lenders have been paid in full.

 11.16 Limitation of Liability. Neither the Agent, the Lenders nor any of their Affiliates, directors, officers, agents, attorneys
or employees shall be liable to the Borrower or any of the Borrower’s Affiliates for any action taken, or omitted to be taken, by it or them or any of them under this Agreement or any other Loan Document or in connection herewith or therewith,
except that no person shall be relieved of any liability imposed by law for gross negligence or willful misconduct. No claim may be made by the Borrower or any of the Borrower’s Affiliates against the Agent, the Lenders, or any of their
Affiliates, directors, officers, agents, attorneys or employees, for any special, indirect or consequential damages in respect of any breach or wrongful conduct (whether the claim is based on contract or tort or duty imposed by law) arising out of
or related to this Agreement or any other Loan Document, or the transactions contemplated hereby or thereby, or any act, omission or event occurring in connection herewith or therewith, other than reasonable attorneys’ fees and costs incurred
in connection with the enforcement by the Borrower or any of the Borrower’s Affiliates of their rights under this Agreement. The Borrower, on its own behalf and on behalf of its Affiliates, hereby waives, releases and agrees not to sue upon any
claim for any such damages, other than reasonable attorneys’ fees and costs as aforesaid, whether or not accrued, and whether or not known or suspected to exist in their favor. 
  

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 11.17 Electronic Communication. Notices and other communications to the Lenders hereunder may be
delivered or furnished by electronic communication (including e-mail and Internet or intranet websites) pursuant to procedures approved by Agent, provided that the foregoing shall not apply to notices to any Lender pursuant to Article II if such
Lender has notified the Agent that it is incapable of receiving notices under such Article by electronic communication. Agent or Borrower may, in its discretion, agree to accept notices and other communications to it hereunder by electronic
communications pursuant to procedures approved by it, provided that approval of such procedures may be limited to particular notices or communications. Unless Agent otherwise prescribes, (i) notices and other communications sent to an e-mail
address shall be deemed received upon the sender’s receipt of an acknowledgement from the intended recipient (such as by the “return receipt requested” function, as available, return e-mail or other written acknowledgement),
provided that if such notice or other communication is not sent during the normal business hours of the recipient, such notice or communication shall be deemed to have been sent at the opening of business on the next business day for the
recipient, and (ii) notices or communications posted to an Internet or intranet website shall be deemed received by the intended recipient at its e-mail address as described in the foregoing clause (i) of notification that such notice or
communication is available and identifying the website address therefor. 
 11.18 USA Patriot Act Notice. Each Lender that is subject
to the Act (as hereinafter defined) and Agent (for itself and not on behalf of any Lender) hereby notifies Borrower that pursuant to the requirements of the USA Patriot Act (Title III of Pub. L. 107-56 (signed into law October 26, 2001) (the
“Act”)), it is required to obtain, verify and record information that identifies Borrower, which information includes the name and address of Borrower and other information that will allow such Lender or Agent, as applicable, to identify
Borrower in accordance with the Act. 
 11.19 WAIVER OF JURY TRIAL. THE AGENT, THE LENDERS AND THE BORROWER, AFTER CONSULTING OR
HAVING HAD THE OPPORTUNITY TO CONSULT WITH COUNSEL, KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT ANY OF THEM MAY HAVE TO A TRIAL BY JURY IN ANY LITIGATION BASED UPON OR ARISING OUT OF THIS AGREEMENT, THE NOTES OR ANY OTHER LOAN DOCUMENTS
OR ANY OF THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT OR ANY COURSE OF CONDUCT, DEALING, STATEMENTS (WHETHER ORAL OR WRITTEN) OR ACTIONS OF THEM. NEITHER THE AGENT, THE LENDERS NOR THE BORROWER SHALL SEEK TO CONSOLIDATE, BY COUNTERCLAIM OR
OTHERWISE, ANY SUCH ACTION IN WHICH A JURY TRIAL HAS BEEN WAIVED WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE OR HAS NOT BEEN WAIVED. THESE PROVISIONS SHALL NOT BE DEEMED TO HAVE BEEN MODIFIED IN ANY RESPECT OR RELINQUISHED BY THE AGENT,
THE BANKS OR THE BORROWER EXCEPT BY A WRITTEN INSTRUMENT EXECUTED BY ALL OF THEM. 
  

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 11.20 NO ORAL AGREEMENTS. THIS IS THE FINAL EXPRESSION OF THE AMENDED AND RESTATED
CREDIT AGREEMENT BETWEEN THE BORROWER, THE AGENT AND THE LENDERS AND SUCH WRITTEN AMENDED AND RESTATED CREDIT AGREEMENT MAY NOT BE CONTRADICTED BY EVIDENCE OF ANY PRIOR ORAL AGREEMENT OR OF A CONTEMPORANEOUS ORAL AMENDED AND RESTATED CREDIT
AGREEMENT BETWEEN THE BORROWER, THE AGENT AND LENDERS. 
 ANY ADDITIONAL NON-STANDARD TERMS OF THE AMENDED AND RESTATED CREDIT
AGREEMENT AND THE REDUCTION TO WRITING OF ANY PREVIOUS ORAL CREDIT AGREEMENT BETWEEN THE BORROWER, THE AGENT AND LENDERS IS SET FORTH IN THE SPACE BELOW: 
 NONE 
 BORROWER, THE AGENT AND LENDERS AFFIRM THAT NO UNWRITTEN ORAL AMENDED AND RESTATED CREDIT
AGREEMENT BETWEEN THEM EXISTS. 
  

							
	 Please initial
	 	  
	 	  
	 	  

  

 70 

 IN WITNESS WHEREOF, the parties hereto have caused
this Agreement to be duly executed as of this 7th day of December, 2007, which shall be the date inserted by the Agent when the Agent has received
counterparts of this Agreement executed by each of the parties hereto, notwithstanding the date first above written or the date this Agreement is executed by any of the parties hereto on the following signature pages. 
  

							
		  		 	BORROWER:
			
	Address for Notices:	  		 	QC HOLDINGS, INC.,
		  		 	a Kansas corporation
	 9401 Indian Creek Parkway,
 Suite 1500
	  		 		 	
	Overland Park, KS 66210	  		 	By:	 	 /s/ Douglas E. Nickerson

	Attn: Chief Financial Officer	  		 		 	Douglas E. Nickerson
	Telephone: (913) 234-5100	  		 		 	Chief Financial Officer
	Telecopy: (913) 234-5500	  		 		 	

  

 S-1 

							
		  		 	AGENT:
			
	Address for Notice:	  		 	U.S. BANK NATIONAL ASSOCIATION
		  		 		 	
	7th & Washington	  		 	By:	 	 /s/ Karen D. Myers

	One U.S. Bank Plaza	  		 		 	Karen D. Myers
	St. Louis, Missouri 63101	  		 		 	Senior Vice President
	Attention: Leveraged Finance Group	  		 		 	
	Telephone: (314) 418-8014	  		 		 	
	Telecopy: (314) 418-1963	  		 		 	

  

 S-2 

							
		  		 	LENDERS:
			
		  		 	U.S. BANK NATIONAL ASSOCIATION
		  		 		 	
	7th & Washington	  		 	By:	 	 /s/ Karen D. Myers

	One U.S. Bank Plaza	  		 		 	Karen D. Myers
	St. Louis, Missouri 63101	  		 		 	Senior Vice President
	Attention: Leveraged Finance Group	  		 		 	
	Telephone: (314) 418-8014	  		 		 	
	Telecopy: (314) 418-1963	  		 		 	

  

 S-3Subsidiary Security Agreement

 Exhibit 10.2 
 SUBSIDIARY SECURITY AGREEMENT 
 THIS SUBSIDIARY SECURITY AGREEMENT (the “Security
Agreement”) is made and entered into as of December 7, 2007, by EACH OF THE UNDERSIGNED SUBSIDIARIES (each a “Grantor” and collectively the “Grantors”) for the benefit of U.S. BANK NATIONAL ASSOCIATION, a
national banking association, as agent (the “Agent”) for each of the lenders (the “Lenders”) now or hereafter party to the Amended and Restated Credit Agreement (as defined below). All capitalized terms used but not otherwise
defined herein or pursuant to Section 1 hereof shall have the respective meanings assigned thereto in the Amended and Restated Credit Agreement (as defined below). 
 WITNESSETH: 
 WHEREAS, the Lenders have agreed to provide to QC
Holdings, Inc., a Kansas corporation (“Borrower”) certain credit facilities pursuant to the Amended and Restated Credit Agreement dated as of December 7, 2007 by and among the Borrower, the Agent and the Lenders (as from time to time
amended, revised, modified, supplemented or amended and restated, the “Amended and Restated Credit Agreement”); and 
 WHEREAS, each Grantor is, directly or indirectly, a Subsidiary of the Borrower and will materially benefit from the Loans made and the Letter of Credits issued and to be issued under the Amended and Restated Credit Agreement; and

 WHEREAS, contemporaneously with the execution of this Security Agreement, each Grantor is executing and delivering to Agent for the
benefit of the Lenders a guaranty agreement (the “Subsidiary Guaranty”) pursuant to which such Grantor has guaranteed payment and performance of Borrower’s obligations under the Amended and Restated Credit Agreement and the other Loan
Documents; and 
 WHEREAS, each Grantor is required to enter into this Security Agreement pursuant to the terms of the Amended and
Restated Credit Agreement; and 
 WHEREAS, a material part of the consideration given in connection with and as an inducement to the
execution and delivery of the Amended and Restated Credit Agreement by the Agent and the Lenders was the obligation of the Borrower to cause each Grantor to enter into this Security Agreement; and 
 WHEREAS, the Lenders are unwilling to extend and/or maintain the credit facilities provided under the Loan Documents unless each Grantor enters
into this Security Agreement; and 
 WHEREAS, each Grantor will materially benefit from the Loans to be made, and the Letters
of Credit to be issued, under the Amended and Restated Credit Agreement and the Agent and the Lenders are unwilling to enter into the Loan Documents unless the Grantor enters into this Security Agreement; 
 NOW, THEREFORE, in order to induce the Agent and the Lenders to enter into the Loan Documents and to make Loans and issue Letters of Credit
pursuant to the Amended and Restated Credit Agreement, and in further consideration of the premises and the mutual covenants contained herein, the parties hereto agree as follows: 
 1. Certain Definitions. Terms used in this Security Agreement, not otherwise expressly defined herein or in the Amended and Restated Credit
Agreement, and for which meanings are provided in the Uniform Commercial Code of the State of Kansas (the “UCC”), shall have such meanings. The parties agree that with respect to terms that describe items or types of Collateral, the
parties intend to and do hereby give effect, upon their respective effective dates, to revisions to the UCC effective after the date hereof to the extent, but only to the extent, such revisions either (i) provide meanings of terms not
previously defined as items or types of property or (ii) expand the items of or interests in property that are included within a previously defined term, with the effect that each of such terms describing items or types of property shall at all
times be interpreted in its broadest sense. 
  

 1 

 2. Grant of Security Interest. Each Grantor hereby grants, as collateral security for the
payment, performance and satisfaction of all of its obligations and liabilities under the Subsidiary Guaranty (collectively, the “Secured Obligations”), to the Agent for the benefit of the Lenders a continuing security interest in and to,
and collaterally assigns to the Agent for the benefit of the Lenders, the following property of such Grantor or in which such Grantor has or may have or acquire an interest, whether now owned or existing or hereafter created, acquired or arising and
wheresoever located, including the following: 
 (a) All accounts, and including accounts receivable, contracts, bills,
acceptances, choses in action, and other forms of monetary obligations at any time owing to such Grantor arising out of property sold, leased, licensed, assigned or otherwise disposed of or for services rendered or to be rendered by such Grantor and
all of such Grantor’s rights with respect to any property represented thereby, whether or not delivered, property returned by customers and all rights as an unpaid vendor or lienor, including rights of stoppage in transit and of recovering
possession by proceedings including replevin and reclamation (collectively referred to hereinafter as “Accounts”); 
 (b) All inventory, including all goods manufactured or acquired for sale or lease, and any piece goods, raw materials, work in process, finished merchandise, component materials, and all supplies, goods, incidentals, office supplies,
packaging materials and any and all items used or consumed in the operation of the business of such Grantor or which may contribute to the finished product or to the sale, promotion and shipment thereof, in which such Grantor now or at any time
hereafter may have an interest, whether or not the same is in transit or in the constructive, actual or exclusive occupancy or possession of such Grantor or is held by such Grantor or by others for such Grantor’s account (collectively referred
to hereinafter as “Inventory”); 
 (c) All goods, including all machinery, equipment, motor vehicles (including
those subject to and not subject to motor vehicle certificate of title statutes), parts, supplies, apparatus, appliances, tools, patterns, molds, dies, blueprints, fittings, furniture, furnishings, fixtures and articles of tangible personal property
of every description (collectively referred to hereinafter as “Equipment”); 
  

 2 

 (d) All general intangibles, including all rights now or hereafter accruing to such
Grantor under contracts, leases, agreements or other instruments to perform or receive services, to purchase or sell goods, to hold or use land or facilities, and to enforce all rights thereunder, all causes of action, corporate or business records,
inventions, designs, goodwill, trademarks, trade names, trade secrets, trade processes, licenses, permits, franchises, customer lists, computer programs and software, all payment intangibles, all claims under guaranties, tax refund claims, all
rights and claims against carriers and shippers, leases, all claims under insurance policies, all interests in general and limited partnerships, limited liability companies, and other Persons not constituting Investment Property (as defined below),
all rights to indemnification and all other intangible personal property and intellectual property of every kind and nature (collectively referred to hereinafter as “General Intangibles”); 
 (e) All chattel paper, including tangible chattel paper, electronic chattel paper, or any hybrid thereof (collectively referred to
hereinafter as “Chattel Paper”); 
 (f) All investment property, all other securities, security entitlements,
securities accounts, commodity contracts and commodity accounts of or maintained for the benefit of such Grantor (collectively referred to hereinafter as “Investment Property”); 
 (g) All instruments, including all promissory notes and payday loan notes (collectively referred to hereinafter as
“Instruments”); 
 (h) All documents, including warehouse receipts, bills of lading and other documents of title
(collectively referred to hereinafter, as “Documents”); 
 (i) All supporting obligations pertaining to any of the
foregoing, including all letter of credit rights (including rights to proceeds of letters of credit), personal or other checks, and all guaranties and other Contingent Obligations of any Person (collectively referred to hereinafter as
“Supporting Obligations”); 
 (j) The commercial tort claims, if any, identified on Schedule 2(j) hereto, as
such Schedule may be supplemented from time to time in accordance with the terms hereof (collectively referred to hereinafter as “Commercial Tort Claims”); 
 (k) All deposits and deposit accounts; 
 (l) All books and records relating to any of the forgoing (including customer data, credit files, ledgers, computer programs, printouts, and other computer materials and records (and all media on which such data,
files, programs, materials and records are or may be stored)); and 
 (m) All proceeds, products and replacements of,
accessions to, and substitutions for, any of the foregoing, including without limitation proceeds of insurance policies insuring any of the foregoing. 
  

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 All of the property and interests in property described in subsections (a) through (l) are
herein collectively referred to as the “Collateral”. 
 3. Perfection. At the time of execution of this Security
Agreement, each Grantor shall have, to the extent expressly required by the terms hereof or of the Amended and Restated Credit Agreement, or otherwise as the Agent may request, furnished the Agent with properly executed control agreement,
registrars’ certificates, issuer acknowledgments of the Agent’s interest in letter of credit rights, and evidence of the electronic identification of the Agent’s interest in electronic chattel paper and of the placement of a
restrictive legend on tangible chattel paper, as appropriate, with respect to Collateral in which either (i) a security interest can be perfected only by control or such electronic identification or restrictive legending, or (ii) a
security interest perfected by control or accompanied by such electronic identification or restrictive legending shall have priority as against a security interest perfected by Persons not having control or not accompanied by such electronic
identification or restrictive legending, in each case in form and substance acceptable to the Agent and sufficient under applicable law so that the Agent, for the benefit of the Lenders, shall have a security interest in all such Collateral
perfected by control, subject only to Liens allowed to exist under Section 7.02(e) of the Amended and Restated Credit Agreement. All financing statements (including all amendments thereto and continuations thereof), control agreements,
certificates, acknowledgments, stock powers and other documents, electronic identification, restrictive legends, and instruments furnished in connection with the creation, enforcement, protection, perfection or priority of the Agent’s security
interest in Collateral, including such items as are described above in this Section 3 are sometimes referred to herein as “Perfection Documents”. The delivery of possession of items of or evidencing Collateral, causing other
Persons to execute and deliver Perfection Documents as appropriate, the filing or recordation of Perfection Documents, and the taking of such other actions as may be necessary or advisable in the determination of the Agent to create, enforce,
protect, perfect, or establish or maintain the priority of, the security interest of the Agent for the benefit of the Lenders in the Collateral is sometimes referred to herein as “Perfection Action”. 
 4. Maintenance of Security Interest; Further Assurances. 
 (a) Each Grantor will from time to time at its own expense, deliver specific assignments of Collateral or such other Perfection Documents,
and take such other or additional Perfection Action, as may be required by the terms of the Loan Documents or as the Agent may reasonably request in connection with the administration or enforcement of this Security Agreement or related to the
Collateral or any part thereof in order to carry out the terms of this Security Agreement, to perfect, protect, maintain the priority of or enforce the Agent’s security interest in the Collateral, or otherwise to better assure and confirm unto
the Agent its rights, powers and remedies for the benefit of the Lenders hereunder. Without limiting the foregoing, each Grantor hereby irrevocably authorizes the Agent to file (with, or to the extent permitted by applicable law, without the
signature of the Grantor appearing thereon) financing statements or other Perfection Documents (including copies thereof) showing such Grantor as “debtor” at such time or times and in all filing offices as the Agent may from time to time
determine to be necessary or advisable to perfect or protect the rights of the Agent and the Lenders hereunder, or otherwise to give effect to the transactions herein contemplated. 
  

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 (b) Notwithstanding anything herein or in the other Loan Documents to the contrary, each
Grantor may retain possession of all payday loan promissory notes payable to such Grantor; provided, however, that so long as any Event of Default is in effect, each Grantor shall promptly deliver to the Agent, if the Agent so requests, the
originals of all such promissory notes together with any checks and supporting obligations held for the payment of such promissory notes. 
 (c) With respect to any and all Collateral, each Grantor agrees to do and cause to be done all things necessary to perfect, maintain the priority of and keep in full force the security interest granted in favor of the
Agent for the benefit of the Lenders, including, but not limited to, the prompt payment upon demand therefor by the Agent of all fees and expenses (including documentary stamp, excise or intangibles taxes) incurred in connection with the
preparation, delivery, or filing of any Perfection Document or the taking of any Perfection Action to perfect, protect or enforce a security interest in Collateral in favor of the Agent for the benefit of the Lenders, subject only to Permitted
Liens. All amounts not so paid when due shall constitute additional Secured Obligations and (in addition to other rights and remedies resulting from such nonpayment) shall bear interest from the date of demand until paid in full at the Default Rate.

 (d) Each Grantor agrees to maintain among its books and records appropriate notations or evidence of, and to make or cause
to be made appropriate disclosure upon its financial statements of, the security interest granted hereunder to the Agent for the benefit of the Lenders. 
 5. Receipt of Payment. In the event an Event of Default shall occur and be continuing and a Grantor (or any of its Affiliates, Subsidiaries, stockholders, directors, officers, employees or agents) shall
receive any proceeds of Collateral, including without limitation monies, checks, notes, drafts or any other items of payment, each Grantor shall hold all such items of payment in trust for the Agent for the benefit of the Lenders, and as the
property of the Agent for the benefit of the Lenders, separate from the funds and other property of such Grantor, and no later than the first Business Day following the receipt thereof, at the election of the Agent, such Grantor shall cause such
Collateral to be forwarded to the Agent for its custody, possession and disposition on behalf of the Lenders in accordance with the terms hereof and of the other Loan Documents. 
 6. Preservation and Protection of Collateral. 
 (a) The Agent shall be under no duty or liability with respect to the collection, protection or preservation of the Collateral, or otherwise, except for the use of reasonable care in the custody and preservation
thereof while in its possession and to the extent expressly contemplated under Section 25. Each Grantor shall be responsible for the safekeeping of its Collateral, and in no event shall the Agent have any responsibility for (i) any
loss or damage thereto or destruction thereof occurring or arising in any manner or fashion from any cause, (ii) any diminution in the value thereof, or (iii) any act or default of any carrier, warehouseman, bailee or forwarding agency
thereof or other Person in any way dealing with or handling such Collateral. 
  

 5 

 (b) Each Grantor shall keep and maintain its tangible personal property Collateral in
good operating condition and repair, ordinary wear and tear excepted. 
 (c) Each Grantor agrees (i) to pay when due all
taxes, charges and assessments against the Collateral in which it has any interest, unless being contested in good faith by appropriate proceedings diligently conducted and against which adequate reserves have been established in accordance with
GAAP applied on a consistent basis and evidenced to the satisfaction of the Agent in the nature of levy or foreclosure are effectively stayed, and (ii) to cause to be terminated and released all Liens on the Collateral other than Liens in
respect of such Collateral expressly permitted under Section 7.02(e) of the Amended and Restated Credit Agreement (“Permitted Liens”). 
 Upon the failure of any Grantor to so pay or contest such taxes, charges, or assessments, or cause such Liens to be terminated, the Agent at its option may pay or contest any of them or amounts relating thereto (the Agent having the sole
right to determine the legality or validity and the amount necessary to discharge such taxes, charges, Liens or assessments) but shall not have any obligation to make any such payment or contest. All sums so disbursed by the Agent, including
reasonable attorneys’ fees, court costs, expenses and other charges related thereto, shall be payable on demand by the applicable Grantor to the Agent and shall be additional Secured Obligations secured by the Collateral, and any amounts not so
paid on demand (in addition to other rights and remedies resulting from such nonpayment) shall bear interest from the date of demand until paid in full at the Default Rate. 
 7. Status of Grantors and Collateral Generally. Each Grantor represents and warrants to, and covenants with, the Agent for the benefit of
the Lenders, with respect to itself and the Collateral as to which it has or acquires any interest, that: 
 (a) It is (or as
to Collateral acquired after the date hereof will be upon the acquisition of the same) and, except as permitted by the Amended and Restated Credit Agreement and subsection (b) of this Section 7, will continue to be, the owner of the
Collateral, free and clear of all Liens, other than the security interest hereunder in favor of the Agent for the benefit of the Lenders and Permitted Liens, and that it will at its own cost and expense defend such Collateral and any products and
proceeds thereof against all claims and demands of all Persons (other than holders of Permitted Liens) at any time claiming the same or any interest therein adverse to the Agent. Upon the failure of any Grantor to so defend, the Agent may do so at
its option but shall not have any obligation to do so. All sums so disbursed by the Agent, including reasonable attorneys’ fees, court costs, expenses and other charges related thereto, shall be payable on demand by the applicable Grantor to
the Agent and shall be additional Secured Obligations secured by the Collateral, and any amounts not so paid on demand (in addition to other rights and remedies resulting from such nonpayment) shall bear interest from the date of demand until paid
in full at the Default Rate. 
 (b) It shall not (i) sell, assign, transfer, lease, license or otherwise dispose of any
of, or grant any option with respect to, the Collateral, except for dispositions permitted under the Amended and Restated Credit Agreement, (ii) create or 

  

 6 

 
suffer to exist any Lien upon or with respect to any of the Collateral except for the security interests created by this Security Agreement and Permitted
Liens, or (iii) take any other action in connection with any of the Collateral that would materially impair the value of the interest or rights of such Grantor in the Collateral taken as a whole or that would materially impair the interest or
rights of the Agent for the benefit of the Lenders. 
 (c) It has full power, legal right and lawful authority to enter into
this Security Agreement and to perform its terms, including the grant of the security interests in the Collateral herein provided for. 
 (d) No authorization, consent, approval or other action by, and no notice to or filing with, any Governmental Authority or any other Person is required either (i) for the grant by such Grantor of the security
interests granted hereby or for the execution, delivery or performance of this Security Agreement by such Grantor, or (ii) for the perfection of or the exercise by the Agent, on behalf of the Lenders, of its rights and remedies hereunder,
except for action required by the Uniform Commercial Code to perfect the security interest conferred hereunder. 
 (e) No
effective financing statement or other Perfection Document similar in effect, nor any other Perfection Action, covering all or any part of the Collateral purported to be granted or taken by or on behalf of such Grantor (or by or on behalf of any
other Person and which remains effective as against all or any part of the Collateral) has been filed in any recording office, delivered to another Person for filing (whether upon the occurrence of a contingency or otherwise), or otherwise taken, as
the case may be, except such as pertain to Permitted Liens and such as may have been filed for the benefit of, delivered to, or taken in favor of, the Agent for the benefit of the Lenders in connection with the security interests conferred
hereunder. 
 (f) Schedule 7(f) attached hereto contains true and complete information as to each of the following:
(i) the exact legal name of each Grantor as it appears in its organizational documents as of the date hereof and at any time during the five (5) year period ending as of the date hereof (the “Covered Period”), (ii) the
jurisdiction of formation and form of organization of each Grantor, (iii) each address of the chief executive office of each Grantor as of the date hereof and at any time during the Covered Period, (iv) all trade names or trade styles used
by such Grantor as of the date hereof, (v) the address of each location of such Grantor at which any tangible personal property Collateral is located as of the date hereof and, with respect to each location that is not owned beneficially and of
record by such Grantor, such Grantor will provide to Agent, upon the request of Agent, the name and address of the owner thereof. No Grantor shall change its name or its jurisdiction of formation without providing Agent fifteen (15) days prior
written notice thereof. 
 (g) No Grantor shall engage in any consignment transaction in respect of any of the Collateral,
whether as consignee or consignor, without the prior written consent of the Agent in each instance. 
  

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 8. Inspection. The Agent (by any of its officers, employees and agents), on behalf of the
Lenders, shall have the right upon prior notice to an executive officer of any Grantor, and at any reasonable times during such Grantor’s usual business hours, to inspect the Collateral, all records related thereto (and to make extracts or
copies from such records), and the premises upon which any of the Collateral is located, to discuss such Grantor’s affairs and finances with any Person and to verify with any Person the amount, quality, quantity, value and condition of, or any
other matter relating to, the Collateral. Upon or after the occurrence and during the continuation of an Event of Default, the Agent, acting in a commercially reasonable manner, may at any time and from time to time employ and maintain on such
Grantor’s premises a custodian selected by the Agent who shall have full authority to do all acts necessary to protect the Agent’s (for the benefit of the Lenders) interest. All reasonable expenses incurred by the Agent, on behalf of the
Lenders, by reason of the employment of such custodian shall be paid by such Grantor on demand from time to time and shall be added to the Secured Obligations secured by the Collateral, and any amounts not so paid on demand (in addition to other
rights and remedies resulting from such nonpayment) shall bear interest from the date of demand until paid in full at the Default Rate. 
 9.
[Intentionally Omitted]. 
 10. Casualty and Liability Insurance Required. 
 (a) Each Grantor will keep the Collateral continuously insured against such risks in a manner consistent with the past practice of each
Grantor and otherwise as required under Section 7.01(c) of the Amended and Restated Credit Agreement. 
 (b) Each
insurance policy obtained in satisfaction of the requirements of Section 10(a): 
 (i) may be provided by blanket
policies now or hereafter maintained by each or any Grantor or by the Borrower; 
 (ii) shall be issued by such insurer (or
insurers) as shall be financially responsible, of recognized standing and reasonably acceptable to the Agent; 
 (iii) shall
be in such form and have such provisions (including without limitation the loss payable clause, the waiver of subrogation clause, the deductible amount, if any, and the standard mortgagee endorsement clause) as are generally considered standard
provisions for the type of insurance involved and are reasonably acceptable in all respects to the Agent; 
 (iv) shall
prohibit cancellation or substantial modification, termination or lapse in coverage by the insurer without at least thirty (30) days’ prior written notice to the Agent, except for non-payment of premium, as to which such policies shall
provide for at least ten (10) days’ prior written notice to the Agent; 
  

 8 

 (v) without limiting the generality of the foregoing, all insurance policies where
applicable under Section 10(a)(i) carried on the Collateral shall name the Agent, for the benefit of the Lenders, as loss payee and as a party insured thereunder in respect of any claim for payment. 
 (c) Prior to expiration of any such policy, such Grantor shall furnish the Agent with evidence satisfactory to the Agent that the policy
or certificate has been renewed or replaced or is no longer required by this Security Agreement. 
 (d) Each Grantor hereby
makes, constitutes and appoints the Agent (and all officers, employees or agents designated by the Agent), for the benefit of the Lenders, as such Grantor’s true and lawful attorney (and agent-in-fact) for the purpose of making, settling and
adjusting claims under such policies of insurance, endorsing the name of such Grantor on any check, draft, instrument or other item or payment for the proceeds of such policies of insurance and for making all determinations and decisions with
respect to such policies of insurance, which appointment is coupled with an interest and is irrevocable; provided, however, that the powers pursuant to such appointment shall be exercisable only upon the occurrence and during the
continuation of an Event of Default. 
 (e) In the event such Grantor shall fail to maintain, or fail to cause to be
maintained, the full insurance coverage required hereunder or shall fail to keep any of its Collateral in good repair and good operating condition, the Agent may (but shall be under no obligation to), without waiving or releasing any Secured
Obligation or Default or Event of Default by such Grantor hereunder, contract for the required policies of insurance and pay the premiums on the same or make any required repairs, renewals and replacements; and all sums so disbursed by Agent,
including reasonable attorneys’ fees, court costs, expenses and other charges related thereto, shall be payable on demand by such Grantor to the Agent, shall be additional Secured Obligations secured by the Collateral, and (in addition to other
rights and remedies resulting from such nonpayment) shall bear interest from the date of demand until paid in full at the Default Rate. 
 (f) Each Grantor agrees that to the extent that it shall fail to maintain, or fail to cause to be maintained, the full insurance coverage required by Section 10(a), it shall in the event of any loss or
casualty pay promptly to the Agent, for the benefit of the Lenders, to be held in a separate account for application in accordance with the provisions of Sections 10(h), such amount as would have been received as Net Proceeds (as hereinafter
defined) by the Agent, for the benefit of the Lenders, under the provisions of Section 10(h) had such insurance been carried to the extent required. 
 (g) The Net Proceeds of the insurance carried pursuant to the provisions of Sections 10(a)(ii) and 10(a)(iii) shall be applied by
such Grantor toward satisfaction of the claim or liability with respect to which such insurance proceeds may be paid. 
  

 9 

 (h) The Net Proceeds of the insurance carried with respect to the Collateral pursuant to
the provisions of Section 10(a)(i) hereof shall, as long as no Event of Default shall have occurred and be continuing, be paid to Grantor and applied as follows: (1) if such Net Proceeds are $500,000 or less, as Grantor shall elect,
or (2) if such Net Proceeds are greater than $500,000, then after any loss under any such insurance and payment of the proceeds of such insurance, each Grantor shall have a period of thirty (30) days after payment of the insurance proceeds
with respect to such loss to elect to either (x) repair or replace the Collateral so damaged, (y) deliver such Net Proceeds to the Agent, for the benefit of the Lenders, as additional Collateral or (z) apply such Net Proceeds to the
acquisition of tangible assets constituting Collateral used or useful in the conduct of the business of such Grantor, subject to the provisions of this Security Agreement. If such Grantor elects to repair or replace the Collateral so damaged, such
Grantor agrees the Collateral shall be repaired to a condition substantially similar to or of better quality or higher value than its condition prior to damage or replaced with Collateral in a condition substantially similar to or of better quality
or higher value than the condition of the Collateral so replaced prior to damage. At all times during which an Event of Default shall have occurred and be continuing, the Agent shall be entitled to receive direct and immediate payment of the
proceeds of such insurance and such Grantor shall take all action as the Agent may reasonably request to accomplish such payment. Notwithstanding the foregoing, in the event such Grantor shall receive any such proceeds, such Grantor shall
immediately deliver such proceeds to such Agent for the benefit of the Lenders as additional Collateral, and pending such delivery shall hold such proceeds in trust for the benefit of the Agent on behalf of the Lenders and keep the same segregated
from its other funds. 
 (i) “Net Proceeds” when used with respect to any insurance proceeds shall mean the gross
proceeds from such proceeds, award or other amount, less all taxes, fees and expenses (including attorneys’ fees) incurred in the realization thereof. 
 (j) In case of any material damage to, destruction or loss of, or claim or proceeding against, all or any material part of the Collateral pledged hereunder by a Grantor, such Grantor shall give prompt notice thereof
to the Agent. Each such notice shall describe generally the nature and extent of such damage, destruction, loss, claim or proceeding. Subject to Section 10(d), each Grantor is hereby authorized and empowered to adjust or compromise any
loss under any such insurance other than losses relating to claims made directly against any the Agent or any Lender as to which the insurance described in Section 10(a)(ii) or (iii) is applicable. 
 11. Rights and Remedies Upon Event of Default. Upon the occurrence and during the continuation of an Event of Default, the Agent shall have
the following rights and remedies on behalf of the Lenders in addition to any rights and remedies set forth elsewhere in this Security Agreement or the other Loan Documents, all of which may be exercised with or, if allowed by law, without notice to
a Grantor: 
 (a) All of the rights and remedies of a secured party under the UCC or under other applicable law, all of which
rights and remedies shall be cumulative, and none of which shall be exclusive, to the extent permitted by law, in addition to any other rights and remedies contained in this Security Agreement or any other Loan Document; 
  

 10 

 (b) The right to foreclose the Liens and security interests created under this Security
Agreement by any available judicial procedure or without judicial process; 
 (c) The right to (i) enter upon the
premises of a Grantor through self-help and without judicial process, without first obtaining a final judgment or giving such Grantor notice or opportunity for a hearing on the validity of the Agent’s claim and without any obligation to pay
rent to such Grantor, or any other place or places where any Collateral is located and kept, and remove the Collateral therefrom to the premises of the Agent or any agent of the Agent, for such time as the Agent may desire, in order effectively to
collect or liquidate the Collateral, and (ii) require such Grantor or any bailee or other agent of such Grantor to assemble the Collateral and make it available to the Agent at a place to be designated by the Agent that is reasonably convenient
to both parties; 
 (d) The right to (i) exercise all of a Grantor’s rights and remedies with respect to the
collection of Accounts, Chattel Paper, Instruments, Supporting Obligations and General Intangibles (collectively, “Payment Collateral”), including the right to demand payment thereof and enforce payment, by legal proceedings or otherwise;
(ii) settle, adjust, compromise, extend or renew all or any Payment Collateral or any legal proceedings pertaining thereto; (iii) discharge and release all or any Payment Collateral; (iv) take control, in any manner, of any item of
payment or proceeds referred to in Section 5 above; (v) prepare, file and sign a Grantor’s name on any Proof of Claim in bankruptcy, notice of Lien, assignment or satisfaction of Lien or similar document in any action or
proceeding adverse to any obligor under any Payment Collateral or otherwise in connection with any Payment Collateral; (vi) endorse the name of a Grantor upon any chattel paper, document, instrument, invoice, freight bill, bill of lading or
similar document or agreement relating to any Collateral; (vii) use the information recorded on or contained in any data processing equipment and computer hardware and software relating to any Collateral to which a Grantor has access;
(viii) open such Grantor’s mail and collect any and all amounts due to such Grantor from any Account Debtors or other obligor in respect of Payment Collateral; (ix) take over such Grantor’s post office boxes or make other
arrangements as the Agent, on behalf of the Lenders, deems necessary to receive such Grantor’s mail relative to the Payment Collateral, including notifying the post office authorities to change the address for delivery of such mail to such
address as the Agent, on behalf of the Lenders, may designate; (x) notify any or all Account Debtors or other obligor on any Payment Collateral that such Payment Collateral has been assigned to the Agent for the benefit of the Lenders and that
Agent has a security interest therein for the benefit of the Lenders (provided that the Agent may at any time give such notice to an Account Debtor that is a department, agency or authority of the United States government); each Grantor hereby
agrees that any such notice, in the Agent’s sole discretion, may (but need not) be sent on such Grantor’s stationery, in which event such Grantor shall co-sign such notice with the Agent; (xi) require a Grantor to establish a lockbox
account with the Agent, which lockbox shall be under the control of the Agent and to which payment of all Accounts shall be directed upon demand of the Agent; and (xii) do all acts and things and execute all documents necessary, in Agent’s
sole discretion, to collect the Payment Collateral; and 
  

 11 

 (e) The right to sell all or any Collateral in its then existing condition, or after any
further manufacturing or processing thereof, at such time or times, at public or private sale or sales, with such notice as may be required by law, in lots or in bulk, for cash or on credit, with or without representations and warranties, all as the
Agent, in its sole discretion, may deem advisable. The Agent shall have the right to conduct such sales on a Grantor’s premises or elsewhere and shall have the right to use a Grantor’s premises without charge for such sales for such
reasonable time or times as is necessary to conduct such sales. The Agent may, if it deems it reasonable, postpone or adjourn any sale of the Collateral from time to time by an announcement at the time and place of such postponed or adjourned sale,
and such sale may, without further notice, be made at the time and place to which it was so adjourned. Each Grantor agrees that the Agent has no obligation to preserve rights to the Collateral against prior parties or to marshall any Collateral for
the benefit of any Person. The Agent for the benefit of the Lenders is hereby granted a license or other right to use, without charge, each Grantor’s labels, patents, copyrights, rights of use of any name, trade secrets, trade names, trademarks
and advertising matter, or any property of a similar nature, as it pertains to the Collateral, in completing production of, advertising for sale and selling any Collateral and a Grantor’s rights under any license and any franchise agreement
shall inure to the Agent’s benefit. If any of the Collateral shall require repairs, maintenance, preparation or the like, or is in process or other unfinished state, the Agent shall have the right, but shall not be obligated, to perform such
repairs, maintenance, preparation, processing or completion of manufacturing for the purpose of putting the same in such saleable form as the Agent shall deem appropriate, but the Agent shall have the right to sell or dispose of the Collateral
without such processing and no Grantor shall have any claim against the Agent for the value that may have been added to such Collateral with such processing. In addition, each Grantor agrees that in the event notice is necessary under applicable
law, written notice mailed to such Grantor in the manner specified herein ten (10) days prior to the date of public sale of any of the Collateral or prior to the date after which any private sale or other disposition of the Collateral will be
made shall constitute commercially reasonable notice to such Grantor. All notice is hereby waived with respect to any of the Collateral which threatens to decline speedily in value or is of a type customarily sold on a recognized market. The Agent
may purchase all or any part of the Collateral at public or, if permitted by law, private sale, free from any right of redemption which is hereby expressly waived by such Grantor and, in lieu of actual payment of such purchase price, may set off the
amount of such price against the Secured Obligations. Each Grantor recognizes that the Agent may be unable to effect a public sale of certain of the Collateral by reason of certain prohibitions contained in the Securities Act of 1933, as amended
(the “Securities Act”), and applicable state law, and may be otherwise delayed or adversely affected in effecting any sale by reason of present or future restrictions thereon imposed by governmental authorities (“Affected
Collateral”), and that as a consequence of such prohibitions and restrictions the Agent may be compelled (i) to resort to one or more private sales to a restricted group of purchasers who will be obliged to agree, among other things, to
acquire Affected Collateral for their own account, for investment and not with a view to the distribution or resale thereof, or (ii) to seek regulatory approval of any proposed sale or sales, or (iii) to limit the amount of Affected
Collateral sold to any Person or group. Each Grantor agrees and acknowledges that 

  

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private sales so made may be at prices and upon terms less favorable to such Grantor than if such Affected Collateral was sold either at public sales or at
private sales not subject to other regulatory restrictions, and that the Agent has no obligation to delay the sale of any Affected Collateral for the period of time necessary to permit the Grantor or any other Person to register or otherwise qualify
them under or exempt them from any applicable restriction, even if such Grantor or other Person would agree to register or otherwise qualify or exempt such Affected Collateral so as to permit a public sale under the Securities Act or applicable
state law. Each Grantor further agrees, to the extent permitted by applicable law, that the use of private sales made under the foregoing circumstances to dispose of Affected Collateral shall be deemed to be dispositions in a commercially reasonable
manner. Each Grantor hereby acknowledges that a ready market may not exist for Affected Collateral that is not traded on a national securities exchange or quoted on an automated quotation system. 
 The net cash proceeds resulting from the collection, liquidation, sale, or other disposition of the Collateral shall be applied first to the expenses (including all
attorneys’ fees) of retaking, holding, storing, processing and preparing for sale, selling, collecting, liquidating and the like, and then to the satisfaction of all Secured Obligations in such manner as Agent may determine in its sole
discretion. Each Grantor shall be liable to the Agent, for the benefit of the Lenders, and shall pay to the Agent, for the benefit of the Lenders, on demand any deficiency which may remain after such sale, disposition, collection or liquidation of
the Collateral. In the event any surplus of net cash proceeds exists after satisfaction of all Secured Obligations, such surplus shall be promptly paid to the Grantor(s). 
 12. Attorney-in-Fact. Each Grantor hereby appoints the Agent as the Grantor’s attorney-in-fact for the purposes of carrying out the provisions of this Security Agreement and taking any action and
executing any instrument which the Agent may deem necessary or advisable to accomplish the purposes hereof, which appointment is irrevocable and coupled with an interest; provided, that the Agent shall have and may exercise rights under this
power of attorney only upon the occurrence and during the continuance of an Event of Default. Without limiting the generality of the foregoing, upon the occurrence and during the continuance of an Event of Default, the Agent shall have the right and
power: 
 (a) to ask, demand, collect, sue for, recover, compromise, receive and give acquittance and receipts for moneys due
and to become due under or in respect of any of the Collateral; 
 (b) to receive, endorse and collect any drafts or other
instruments, documents and chattel paper in connection with clause (a) above; 
 (c) to endorse such Grantor’s name
on any checks, notes, drafts or any other payment relating to or constituting proceeds of the Collateral which comes into the Agent’s possession or the Agent’s control, and deposit the same to the account of the Agent, for the benefit of
the Lenders, on account and for payment of the Secured Obligations; 
  

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 (d) to file any claims or take any action or institute any proceedings that the Agent may
deem necessary or desirable for the collection of any of the Collateral or otherwise to enforce the rights of the Agent, for the benefit of the Lenders, with respect to any of the Collateral; and 
 (e) to execute, in connection with any sale or other disposition of Collateral provided for herein, any endorsement, assignments, or other
instruments of conveyance or transfer with respect thereto. 
 13. Reinstatement. The granting of a security interest in the
Collateral and the other provisions hereof shall continue to be effective or be reinstated, as the case may be, if at any time any payment of any of the Secured Obligations is rescinded or must otherwise be returned by Agent or any Lender, whether
upon the insolvency, bankruptcy or reorganization of any Grantor or any Guarantor or otherwise, all as though such payment had not been made. The provisions of this Section 13 shall survive repayment of all of the Secured Obligations and
the termination or expiration of this Security Agreement in any manner, including but not limited to termination upon occurrence of the Termination Date; provided, this provision shall not alter the Agent’s obligation with respect to
termination contained in Section 24 hereof. 
 14. Certain Waivers by the Grantors. Each Grantor waives to the
extent permitted by applicable law (a) any right to require the Agent or any other obligee of the Secured Obligations to (x) proceed against any Person, including without limitation any Guarantor, (y) proceed against or exhaust any
Collateral or other collateral for the Secured Obligations, or (z) pursue any other remedy in its power; (b) any defense arising by reason of any disability or other defense of any other Person, or by reason of the cessation from any cause
whatsoever of the liability of any other Person, (c) any right of subrogation, (d) any defense or claim arising by reason of any impairment of any of the Collateral, (e) any right to enforce any remedy which the Agent or any other
obligee of the Secured Obligations now has or may hereafter have against any other Person and any benefit of and any right to participate in any collateral or security whatsoever now or hereafter held by the Agent for the benefit of the Lenders,
(f) require the Agent or any Lender to disclose to the Grantor any information which it may now have or hereafter acquire regarding the financial condition of the Borrower, and (g) provide notices of default or nonperformance by the
Borrower to the Grantor. The Grantors authorize the Agent and the Lenders, without affecting the Grantors’ obligations under this Agreement, to enter into agreements with the Borrower to change the interest rate on or renew the Borrower’s
Obligations, accelerate, extend, compromise or otherwise change the repayment terms of the Borrower’s Obligations. Upon the occurrence of an Event of Default, each Grantor authorizes each Secured Party and each obligee of the Secured
Obligations without notice (except notice required by applicable law) or demand and without affecting its liability hereunder or under the Loan Documents from time to time to: (i) take and hold security, other than the Collateral herein
described, for the payment of such Secured Obligations or any part thereof, and exchange, enforce, waive and release the Collateral herein described or any part thereof or any such other security; and (ii) apply such Collateral or other
security and direct the order or manner of sale thereof as such Agent or obligee in its discretion may determine. 
 The Agent may at any
time deliver (without representation, recourse or warranty) the Collateral or any part thereof to a Grantor and the receipt thereof by such Grantor shall be a complete and full acquittance for the Collateral so delivered, and the Agent shall
thereafter be discharged from any liability or responsibility therefor. 
  

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 15. Continued Powers. Until the Termination Date shall have occurred, the power of sale and
other rights, powers and remedies granted to the Agent for the benefit of the Lenders hereunder shall continue to exist and, upon the occurrence and during the continuation of an Event of Default, may be exercised by the Agent at any time and from
time to time irrespective of the fact that any of the Secured Obligations or any part thereof may have become barred by any statute of limitations or that any part of the liability of any Grantor may have ceased. 
 16. Other Rights. The rights, powers and remedies given to the Agent for the benefit of the Lenders by this Security Agreement shall be in
addition to all rights, powers and remedies given to the Agent or any Lender under any Loan Documents or by virtue of any statute or rule of law. Any forbearance or failure or delay by the Agent in exercising any right, power or remedy hereunder
shall not be deemed to be a waiver of such right, power or remedy, and any single or partial exercise of any right, power or remedy hereunder shall not preclude the further exercise thereof; and every right, power and remedy of the Agent and the
Lenders shall continue in full force and effect until such right, power or remedy is specifically waived in accordance with the terms of the Amended and Restated Credit Agreement. 
 17. Anti-Marshaling Provisions. The right is hereby given by each Grantor to the Agent, for the benefit of the Lenders, to make releases
(whether in whole or in part) of all or any part of the Collateral agreeable to the Agent without notice to, or the consent, approval or agreement of other parties and interests, including junior lienors, which releases shall not impair in any
manner the validity of or priority of the Liens and security interests in the remaining Collateral conferred hereunder, nor release any Grantor from personal liability for the Secured Obligations. Notwithstanding the existence of any other security
interest in the Collateral held by the Agent, for the benefit of the Lenders, the Agent shall have the right to determine the order in which any or all of the Collateral shall be subjected to the remedies provided in this Security Agreement. Each
Grantor hereby waives any and all right to require the marshaling of assets in connection with the exercise of any of the remedies permitted by applicable law or provided herein or in any Loan Documents. 
 18. Entire Agreement. This Security Agreement, together with the Amended and Restated Credit Agreement and other Loan Documents,
constitutes and expresses the entire understanding between the parties hereto with respect to the subject matter hereof, and supersedes all prior negotiations, agreements and understandings, inducements, commitments or conditions, express or
implied, oral or written, except as contained in the Loan Documents. The express terms hereof control and supersede any course of performance or usage of the trade inconsistent with any of the terms hereof. Neither this Security Agreement nor any
portion or provision hereof may be changed, altered, modified, supplemented, discharged, canceled, terminated, or amended orally or in any manner other than as provided in the Amended and Restated Credit Agreement. 
 19. Third Party Reliance. Each Grantor hereby consents and agrees that all issuers of or obligors in respect of any Collateral, and all
securities intermediaries, warehousemen, bailees, public officials and other Persons having any interest in, possession of, control over or right, 

  

 15 

 
privilege, duty or discretion in respect of, any Collateral shall be entitled to accept the provisions hereof as conclusive evidence of the right of the
Agent, on behalf of the Lenders, to exercise its rights hereunder with respect to the Collateral, notwithstanding any other notice or direction to the contrary heretofore or hereafter given by any Grantor or any other Person to any of such Persons.

 20. Binding Agreement; Assignment. This Security Agreement, and the terms, covenants and conditions hereof, shall be binding
upon and inure to the benefit of the parties hereto, and to their respective successors and assigns, except that no Grantor shall be permitted to assign this Security Agreement or any interest herein or, except as expressly permitted herein or in
the Amended and Restated Credit Agreement, in the Collateral or any part thereof, or otherwise, except as expressly permitted herein or in the Amended and Restated Credit Agreement, pledge, encumber or grant any option with respect to the Collateral
or any part thereof. Without limiting the generality of the foregoing sentence of this Section 20, any Lender may assign to one or more Persons, or grant to one or more Persons participations in or to, all or any part of its rights and
obligations under the Amended and Restated Credit Agreement (to the extent permitted by the Amended and Restated Credit Agreement); and to the extent of any such assignment or participation such other Person shall, to the fullest extent permitted by
law, thereupon become vested with all the benefits in respect thereof granted to such Lender herein or otherwise, subject however, to the provisions of the Amended and Restated Credit Agreement, including Article IX thereof (concerning the
Agent) and Section 11.07 thereof (concerning assignments and participations). All references herein to the Agent and to the Lenders shall include any successor thereof or permitted assignee, and any other obligees from time to time of
the Secured Obligations. 
 21. Intentionally Omitted. 
 22. Severability. The provisions of this Security Agreement are independent of and separable from each other. If any provision hereof shall
for any reason be held invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of any other provision hereof, but this Security Agreement shall be construed as if such invalid or unenforceable
provision had never been contained herein. 
 23. Counterparts. This Security Agreement may be executed in any number of
counterparts each of which when so executed and delivered shall be deemed an original, and it shall not be necessary in making proof of this Security Agreement to produce or account for more than one such counterpart executed by the Grantor against
whom enforcement is sought. 
 24. Termination. Subject to the provisions of Section 13, this Security Agreement
and all obligations of the Grantors hereunder (excluding those obligations and liabilities that expressly survive such termination) shall terminate without delivery of any instrument or performance of any act by any party on the Termination Date.
Upon such termination of this Security Agreement, the Agent shall, at the request and sole expense of the Grantors, promptly deliver to the Grantors such termination statements and take such further actions as the Grantors may reasonably request to
terminate of record, or otherwise to give appropriate notice of the termination of, any Lien conferred hereunder. 
  

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 25. Notices. Any notice required or permitted hereunder shall be given (a) with
respect to any Grantor, at the address for the giving of notice then in effect under the Amended and Restated Credit Agreement for the Borrower, and (b) with respect to the Agent or a Lender, at the Agent’s address indicated in the Amended
and Restated Credit Agreement. All such addresses may be modified, and all such notices shall be given and shall be effective, as provided in Section 11.02 of the Amended and Restated Credit Agreement. 
 26. Rules of Interpretation. The rules of interpretation contained in Sections 1.02 of the Amended and Restated Credit Agreement
shall be applicable to this Security Agreement and are hereby incorporated by reference. All representations and warranties contained herein shall survive the delivery of documents and any extension of credit referred to herein or secured hereby.

 27. Governing Law; Waivers. 
 (a) THIS SECURITY AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF KANSAS APPLICABLE TO CONTRACTS EXECUTED, AND TO BE FULLY PERFORMED, IN SUCH STATE; PROVIDED THAT
(i) WITH RESPECT TO THOSE INSTANCES IN WHICH THE APPLICABLE CHOICE OF LAWS RULES OF SUCH STATE, INCLUDING SECTION 9-103 OF THE UCC, REQUIRE THAT THE MANNER OF CREATION OF A SECURITY INTEREST IN SPECIFIC COLLATERAL OR THE MANNER OR EFFECT OF
PERFECTION OR NONPERFECTION OR THE RULES GOVERNING PRIORITY OF SECURITY INTERESTS ARE TO BE GOVERNED BY THE LAWS OF ANOTHER JURISDICTION, THEN THE LAWS OF SUCH OTHER JURISDICTION SHALL GOVERN SUCH MATTERS, AND (ii) IN THOSE INSTANCES IN WHICH
THE LAWS OF THE JURISDICTION IN WHICH COLLATERAL IS LOCATED GOVERN MATTERS PERTAINING TO THE METHODS AND EFFECT OF REALIZING ON COLLATERAL, SUCH LAWS SHALL BE GIVEN EFFECT WITH RESPECT TO SUCH MATTERS. 
 (b) EACH GRANTOR HEREBY EXPRESSLY AND IRREVOCABLY AGREES AND CONSENTS THAT ANY SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO
THIS SECURITY AGREEMENT AND THE TRANSACTIONS CONTEMPLATED HEREIN MAY BE INSTITUTED IN ANY STATE OR FEDERAL COURT SITTING IN THE COUNTY OF JOHNSON, STATE OF KANSAS, UNITED STATES OF AMERICA AND, BY THE EXECUTION AND DELIVERY OF THIS SECURITY
AGREEMENT, EXPRESSLY WAIVES ANY OBJECTION THAT IT MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH SUIT, ACTION OR PROCEEDING, AND IRREVOCABLY SUBMITS GENERALLY AND UNCONDITIONALLY TO THE JURISDICTION OF ANY
SUCH COURT IN ANY SUCH SUIT, ACTION OR PROCEEDING. 
 (c) EACH GRANTOR AGREES THAT SERVICE OF PROCESS MAY BE MADE BY PERSONAL
SERVICE OF A COPY OF THE SUMMONS AND 

  

 17 

 
COMPLAINT OR OTHER LEGAL PROCESS IN ANY SUCH SUIT, ACTION OR PROCEEDING, OR BY REGISTERED OR CERTIFIED MAIL (POSTAGE PREPAID) TO THE ADDRESS OF SUCH PARTY
PROVIDED IN SECTION 26 OR BY ANY OTHER METHOD OF SERVICE PROVIDED FOR UNDER THE APPLICABLE LAWS IN EFFECT IN THE STATE OF KANSAS. 
 (d) NOTHING CONTAINED IN SUBSECTIONS (b) OR (c) HEREOF SHALL PRECLUDE ANY SECURED PARTY FROM BRINGING ANY SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS SECURITY AGREEMENT OR THE
OTHER LOAN DOCUMENTS IN THE COURTS OF ANY PLACE WHERE ANY OTHER PARTY OR ANY OF SUCH PARTY’S PROPERTY OR ASSETS MAY BE FOUND OR LOCATED. TO THE EXTENT PERMITTED BY THE APPLICABLE LAWS OF ANY SUCH JURISDICTION, EACH GRANTOR HEREBY IRREVOCABLY
SUBMITS TO THE JURISDICTION OF ANY SUCH COURT AND EXPRESSLY WAIVES, IN RESPECT OF ANY SUCH SUIT, ACTION OR PROCEEDING, THE JURISDICTION OF ANY OTHER COURT OR COURTS WHICH NOW OR HEREAFTER, BY REASON OF ITS PRESENT OR FUTURE DOMICILE, OR OTHERWISE,
MAY BE AVAILABLE UNDER APPLICABLE LAW. 
 (e) IN ANY ACTION OR PROCEEDING TO ENFORCE OR DEFEND ANY RIGHTS OR REMEDIES UNDER OR
RELATED TO THIS SECURITY AGREEMENT OR ANY AMENDMENT, INSTRUMENT, DOCUMENT OR AGREEMENT DELIVERED OR THAT MAY IN THE FUTURE BE DELIVERED IN CONNECTION WITH THE FOREGOING, EACH PARTY HEREBY AGREES, TO THE EXTENT PERMITTED BY APPLICABLE LAW, THAT ANY
SUCH ACTION OR PROCEEDING SHALL BE TRIED BEFORE A COURT AND NOT BEFORE A JURY AND HEREBY EXPRESSLY WAIVES, TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT SUCH PERSON MAY HAVE TO TRIAL BY JURY IN ANY SUCH ACTION, SUIT OR PROCEEDING. 

(f) EACH GRANTOR HEREBY EXPRESSLY WAIVES ANY OBJECTION IT MAY HAVE THAT ANY COURT TO WHOSE JURISDICTION IT HAS SUBMITTED PURSUANT TO
THE TERMS HEREOF IS AN INCONVENIENT FORUM. 
 [SIGNATURE PAGES FOLLOW] 
  

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 IN WITNESS WHEREOF, the Grantors have duly executed this Security Agreement on the day and year
first written above. 
  

			
	GRANTORS:
	
	 QC E-SERVICES, INC.,
 a Kansas corporation

		
	By:	 	 /s/ Darrin J. Andersen

	Name:	 	Darrin J. Andersen
	Title:	 	President
	
	 QC AUTO SERVICES, INC.,
 a Kansas corporation

		
	By:	 	 /s/ Darrin J. Andersen

	Name:	 	Darrin J. Andersen
	Title:	 	President
	
	 QC LOAN SERVICES, INC.,
 a Kansas corporation

		
	By:	 	 /s/ Darrin J. Andersen

	Name:	 	Darrin J. Andersen
	Title:	 	President

  

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