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Exhibit 10.1    
    

 
 

SEVENTH AMENDMENT    

        THIS
SEVENTH AMENDMENT (this "Amendment") dated as of October 17, 2007 to the Credit Agreement referenced below is by and among
Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto
(the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as administrative agent (in such capacity, the
"Administrative Agent"). 

 
 

W I T N E S S E T H    

        WHEREAS,
a revolving credit facility has been extended to the Borrower pursuant to the Amended and Restated Credit Agreement (as amended, modified and supplemented from time to time, the
"Credit Agreement") dated as of July 16, 2004 among the Borrower, the Guarantors, the Lenders identified therein and the Administrative Agent;
and 

        WHEREAS,
the Borrower has requested certain modifications to the Credit Agreement and the Required Lenders have agreed to the requested modifications on the terms and conditions set
forth herein. 

        NOW,
THEREFORE, IN CONSIDERATION of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as
follows: 

        1.    Defined Terms.    Capitalized terms used herein but not otherwise defined herein shall have the meanings
provided to such terms in the Credit Agreement. 

        2.    Amendments to the Credit Agreement.    The Credit Agreement is amended in the following respects: 

        2.1    The
definition of "Consolidated Net Income" in Section 1.1 is amended to read as follows: 

"Consolidated Net Income" means, for the members of the Consolidated Group for any period, net income on a consolidated basis determined in accordance
with GAAP, but excluding (a) for purposes of determining the Consolidated Senior Leverage Ratio and the Consolidated Fixed Charge Coverage Ratio, any extraordinary gains or losses and related
tax effects thereon and (b) for all purposes, all charges and losses incurred during the third and fourth quarters of fiscal year 2007 related to the closure of centers in Pennsylvania, Oregon
and certain other markets, such amount not to exceed $22 million in aggregate. 

        2.2    In
the definition of "Funded Debt" in Section 1.1 clauses (viii) and (ix) are renumbered as clauses (ix) and (x) and a new
clause (viii) is added thereto to read as follows: 

(viii)    the
Borrower's good faith estimate of the amount of all deferred purchase price obligations (including, without limitation, earnout payment obligations) of such Person relating to
Acquisitions permitted by Section 8.4 (which estimate shall not be, with respect to any deferred purchase price obligation, less than the amount
of such obligation that would appear as liability on a balance sheet of such Person); 

        2.3    In
Section 8.1 clauses (j) and (k) are renumbered as clauses (k) and (l) and a new clause (j) is added thereto to read as
follows: 

(j)    Indebtedness
consisting of deferred purchase price obligations (including, without limitation, earnout payment obligations) relating to Acquisitions permitted by  Section 8.4; 

        2.4    Section 8.7(a)(vi) is
amended to read as follows: 

(vi)    during
each fiscal quarter of the Borrower, Restricted Payments in an amount not to exceed (A) if the Consolidated Senior Leverage Ratio would be less than 2.0:1.0 after
giving effect to any 

 

such
Restricted Payments (and any Funded Debt incurred in connection therewith) on a Pro Forma Basis, fifty percent (50%) of the Consolidated Net Income for the most recent fiscal quarter or
(B) if the Consolidated Senior Leverage Ratio would be less than 1.25:1.0 after giving effect to any such Restricted Payments (and any Funded Debt incurred in connection therewith) on a Pro
Forma Basis, the greater of (x) seventy-five percent (75%) of Consolidated Net Income for the most recent fiscal quarter and (y) $0.125 per outstanding share of Capital Stock
of the Borrower, as such share amount may be adjusted from time to time; however, for purposes of this clause such share amount shall not exceed 78,000,000. 

        3.    Conditions Precedent.    This Amendment shall be effective as of the date hereof upon execution of this
Amendment by the Credit Parties and the Required Lenders. 

        4.    Reaffirmation of Representations and Warranties.    The Borrower and each Guarantor represents and warrants
that, after giving effect to this Amendment, the representations and warranties set forth in the Credit Agreement and the other Credit Documents are true and correct in all material respects as of the
date hereof (except those that expressly relate to an earlier period). 

        5.    Reaffirmation of Guaranty.    Each Guarantor (a) acknowledges and consents to all of the terms and
conditions of this Amendment, (b) affirms all of its obligations under the Credit Documents and (c) agrees that this Amendment and all documents executed in connection herewith do not
operate to reduce or discharge such Guarantor's obligations under the Credit Documents. 

        6.    Reaffirmation of Security Interests.    The Borrower and each Guarantor (i) affirms that each of the
Liens granted in or pursuant to the Credit Documents are valid and subsisting and (ii) agrees that this Amendment shall in no manner impair or otherwise adversely effect any of the Liens
granted in or pursuant to the Credit Documents. 

        7.    No Other Changes.    Except as modified hereby, all of the terms and provisions of the Credit Documents
(including schedules and exhibits thereto) shall remain in full force and effect. 

        8.    Counterparts; Facsimile Delivery.    This Amendment 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 Amendment to produce or account for more than one such counterpart. Delivery of an
executed counterpart of this Amendment by facsimile shall be effective as an original. 

        9.    Governing Law.    This Amendment shall be deemed to be a contract made under, and for all purposes shall be
construed in accordance with, the laws of the State of North Carolina. 

 
 

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        IN
WITNESS WHEREOF, each of the parties hereto has caused a counterpart of this Seventh Amendment to be duly executed and delivered as of the date first above written. 

BORROWER:  

ADVANCE AMERICA, CASH ADVANCE CENTERS, INC., a Delaware corporation 

	By:	 	/s/ KENNETH E. COMPTON
	 	 
	Name:	 	Kenneth E. Compton	 	 
	Title:	 	Chief Executive Officer and President	 	 

GUARANTORS:

AARC, INC.,
a Delaware corporation 

	By:	 	/s/ W. THOMAS NEWELL
	 	 
	Name:	 	W. Thomas Newell	 	 
	Title:	 	President	 	 

ADVANCE
AMERICA SERVICING OF ARKANSAS, INC., a Delaware corporation

ADVANCE AMERICA SERVICING OF INDIANA, INC., a Delaware corporation

ADVANCE AMERICA LEASING SERVICES, INC., a Delaware corporation

AAIC, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC, a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC, a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF COLUMBIA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC., a Delaware
corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC, a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MARYLAND, INC., a Delaware corporation 

	By:	 	/s/ KENNETH E. COMPTON
	 	 
	Name:	 	Kenneth E. Compton	 	 
	Title:	 	Chief Executive Officer and President	 	 

 
 

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ADVANCE
AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC, a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC, a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC, a Delaware limited liability company

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC., a Delaware corporation

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ADVANCE
AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC., a Delaware corporation

ADVANCE AMERICA SERVICING OF GEORGIA, INC., a Delaware corporation

MCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C., a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF ARKANSAS, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF COLORADO, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF INDIANA, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF IOWA, L.L.C., a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF KANSAS, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEBRASKA, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C., a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OHIO, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF OREGON, LLC, a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C., a Tennessee limited liability company

MCKENZIE CHECK ADVANCE OF WISCONSIN, LLC, a Tennessee limited liability company

NCA OF MISSOURI, INC., a Delaware corporation

NCAS OF DELAWARE, LLC, a Delaware limited liability company

NCAS OF NEW JERSEY, LLC, a Delaware limited liability company

	By:	 	/s/ KENNETH E. COMPTON
	 	 
	Name:	 	Kenneth E. Compton	 	 
	Title:	 	Chief Executive Officer and President	 	 

 
 

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AA
CHALLENGER, LLC, a Delaware limited liability company

AA AIR, LLC, a Delaware limited liability company

ADVANCE AMERICA MONEY.COM, INC., a Delaware corporation

ACSO OF MICHIGAN, INC., a Delaware corporation

NCA OF LOUISIANA, LLC, a Delaware limited liability company

AA CANADA HOLDINGS, INC., a Delaware corporation

ADVANCE AMERICA, CASH ADVANCE CENTERS OF PUERTO RICO, INC., a Delaware corporation

ADVANCE AMERICA INDUSTRIAL LOAN SERVICES OF GEORGIA, INC., a Delaware corporation

	By:	/s/ KENNETH E. COMPTON
	 	 
	Name:	Kenneth E. Compton	 	 
	Title:	Chief Executive Officer and President	 	 

ACSO
OF TEXAS, L.P., a Texas limited partnership

ADVANCE AMERICA SERVICING OF TEXAS, L.P., a Texas limited partnership 

	By:	ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC.,

a Delaware corporation and its general partner

	

 	
 	

By:	
 	

/s/ KENNETH E. COMPTON
	
 	

 
	 	 	Name:	 	Kenneth E. Compton	 	 
	 	 	Title:	 	Chief Executive Officer and President	 	 

W.P.S.
SYSTEMS, LTD. OF NEW ENGLAND, a Rhode Island corporation 

	By:	 	By: ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,

a Delaware corporation

	

 	
 	

By:	
 	

/s/ KENNETH E. COMPTON
	
 	

 
	 	 	Name:	 	Kenneth E. Compton	 	 
	 	 	Title:	 	Chief Executive Officer and President	 	 

 
 

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	ADMINISTRATIVE

AGENT:	 	BANK OF AMERICA, N.A., as Administrative Agent	 	 
	

 	
 	

By:	

/s/ ANNE ZESCHKE
	
 	

 
	 	 	Name:	Anne Zeschke	 	 
	 	 	Title:	Assistant Vice President	 	 
	
LENDERS:	
 	

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

 
	

 	
 	

By:	

/s/ SCOTT K. MITCHELL
	
 	

 
	 	 	Name:	Scott K. Mitchell	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

WACHOVIA BANK, NATIONAL ASSOCIATION	
 	

 
	

 	
 	

By:	

/s/ DAVID S. SAMPSON
	
 	

 
	 	 	Name:	David S. Sampson	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

US BANK NATIONAL ASSOCIATION	
 	

 
	

 	
 	

By:	

/s/ JULI K. VAN HOOK
	
 	

 
	 	 	Name:	Juli K. Van Hook	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

WELLS FARGO BANK, N.A.	
 	

 
	

 	
 	

By:	

/S/ KEVIN DOWDLE
	
 	

 
	 	 	Name:	Kevin Dowdle	 	 
	 	 	Title:	Vice President	 	 
	

 	
 	

NATIONAL CITY BANK	
 	

 
	

 	
 	

By:	

/s/ MICHAEL J. DURBIN
	
 	

 
	 	 	Name:	Michael J. Durbin	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

NATIONAL BANK OF SOUTH CAROLINA	
 	

 
	

 	
 	

By:	

/s/ LAM B. BRITTON
	
 	

 
	 	 	Name:	Lam B. Britton	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

CAROLINA FIRST BANK	
 	

 
	

 	
 	

By:	

/s/ CHARLES D. CHAMBERLAIN
	
 	

 
	 	 	Name:	Charles D. Chamberlain	 	 
	 	 	Title:	Executive Vice President	 	 

 
 

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	 	 	FIRST TENNESSEE BANK NATIONAL ASSOCIATION	 	 
	

 	
 	

By:	

/s/ ROTCHER WATKINS
	
 	

 
	 	 	Name:	Rotcher Watkins	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

BRANCH BANKING AND TRUST COMPANY	
 	

 
	

 	
 	

By:	

/s/ STAN W. PARKER
	
 	

 
	 	 	Name:	Stan W. Parker	 	 
	 	 	Title:	Senior Vice President	 	 
	

 	
 	

TEXAS CAPITAL BANK, NA	
 	

 
	

 	
 	

By:	

    
	
 	

 
	 	 	Name:	 	 	 
	 	 	Title:	 	 	 

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Exhibit 10.1

SEVENTH AMENDMENT

W I T N E S S E T H

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Exhibit 10.1    
    

August 2,
2007 

Scientific
Games Corporation

750 Lexington Avenue

New York, NY 10022 

Ladies
and Gentlemen: 

        You
have asked me to reconfirm our existing understanding as to how the Company may discharge its obligations to distribute any accrued deferred compensation owed to me following
termination of my employment under the terms of the Company's Key Executive Deferred Compensation Plan (the "Plan") and my Employment Agreement, including through direction to the trustee of the rabbi
trust created for the purpose of assisting the Company in meeting its obligations under the Plan. In the context of my specific situation: 

	1.
	Any
payments in respect of the portion of my Plan account attributable to deferrals for 2004 or earlier years (including the bonus for 2004 that was earned and vested on
December 31, 2004) shall, in accordance with the terms of the Plan in effect on October 3, 2004, be made as soon as practicable after the date of termination of my employment, but in no
event later than 30 business days thereafter.

	2.
	Any
payments in respect of the portion of my Plan account attributable to deferrals for 2005 and later years may be delayed for six months and one day following the date of termination
of my employment to the extent necessary to comply with Section 409A of the Internal Revenue Code of 1986, as amended.

	3.
	Any
payment in respect of a portion of my Plan account that is measured by reference to a deemed investment in mutual funds or other readily tradable securities shall be made in cash
in the amount of such portion of my Plan account balance, including from the proceeds from disposition of any such investments held in the rabbi trust under the Plan for the purpose of assisting the
Company in meeting such obligations. Any payment in respect of a portion of my Plan account that is measured by reference to deemed investments that are not readily tradable securities (including
Company stock to the extent the trading of such stock is subject to restrictions under the Company's insider trading policy or such stock is otherwise not readily subject to prompt disposition at
prevailing market prices) shall be made by one or more of the following means as the Company determines in its discretion: (A) if such investments have been acquired by or transferred to the rabbi
trust under the Plan, (i) transfer to me in kind of the entire interest in such property held by the rabbi trust, which shall comprise the entire economic interest in such property and all other
rights and benefits (including all voting, consent and other decision rights) and any liabilities, obligations and risks (including tax liabilities), by whatever means are practical under the
circumstances, including if possible by concurrently recording such transfer and my admission as limited partner or member or the like of the applicable investment entity (but in any case until such
transfer and admission shall have been recorded in my name, the Company agrees that the rabbi trustee shall act in all respects as my agent in exercising on my behalf all such rights and benefits), or
(ii) payment to me in cash of an amount equal to the proceeds from redemption by the issuer or other disposition of such property; or (B) if such investments have not been acquired by or
transferred to the rabbi trust under the Plan, payment to me in cash of an amount equal to such portion of my Plan account balance. If the illiquid nature of such investments so requires, the period
within which such distributions may be made may be extended to up to 90 days following my termination of employment (except that, to the extent that paragraph 2 of this letter applies to
such distributions, such distributions (or such portions thereof) to which paragraph 2 applies may be delayed pursuant to paragraph 2 for the period of six months and one day provided
for therein). 

 

	4.
	The
proceeds from any redemption or other disposition contemplated by paragraph 3 above shall be increased by an amount equal to interest on the proceeds from the date of such
disposition to the date of payment to me at a rate equivalent to the rate of interest realized by the Company or the rabbi trust on such amount from an investment in a money market fund held in the
rabbi trust during such period.

	5.
	Any
reference to payment of deferred compensation to me "in a lump sum" or similar language in Section 5(d)(vi) and 5(f) or elsewhere in my Employment Agreement with the Company
would include payment in any one or more of the above-described forms. For the avoidance of doubt, I acknowledge that payment in any one or more of such forms, at the times and in the amounts
described above, would constitute timely payment of such amounts in accordance with the Plan and my Employment Agreement (including Section 5(d)(vi) thereof). 

        By
executing this letter, the Company and I confirm that the foregoing terms of this letter set forth what has been and still is our mutual understanding of these matters, including the
application of my Employment Agreement. The Company and I each also agree to execute any further documentation or take any additional action that the other of us may reasonably request to further
reflect or implement this understanding and the transactions contemplated hereby, either between the parties hereto or to ensure full recognition thereof by third persons. Without limiting the
generality of the foregoing, the Company further agrees as promptly as practical to do all things necessary or advisable in order for the transfer to me of the Company's and the rabbi trust's entire
right, title and interest (including, without limitation, record ownership of title) in respect of any illiquid investment that is the measure of an amount of deferred compensation payable to me to be
fully implemented (including, without limitation, by my admission as limited partner or member or the like of the applicable investment entity) and to be reflected and recorded in the books and
records of such entity or its sponsor; whereupon the Company shall have fully satisfied its obligations hereunder in respect of such illiquid investment. 

	 	 	 	 	Very truly yours,
	

 	
 	

 	
 	

 
 A. Lorne Weil
	

Agreed:	
 	

 
	

Scientific Games Corporation	
 	

 
	

By:	
 	

 

 
	
 	

 
	Name:	 	Ira H. Raphaelson	 	 
	Title:	 	Vice President, General Counsel and Secretary	 	 

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Exhibit 10.1

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