Document:

EX-10.1

 Exhibit 10.1 

SECOND AMENDMENT TO FIFTH AMENDED AND RESTATED LOAN AND 

SECURITY AGREEMENT 

This Second Amendment to Fifth Amended and Restated Loan and Security Agreement (this “Amendment”) is made as of August 26,
2016, among Regional Management Corp. (“Regional”), Regional Finance Corporation of South Carolina, Regional Finance Corporation of Georgia, Regional Finance Corporation of Texas, Regional Finance Corporation of North Carolina, Regional
Finance Corporation of Alabama, Regional Finance Corporation of Tennessee, Regional Finance Company of New Mexico, LLC, Regional Finance Company of Oklahoma, LLC, Regional Finance Company of Missouri, LLC, Regional Finance Company of Georgia, LLC,
RMC Financial Services of Florida, LLC, Regional Finance Company of Louisiana, LLC, Regional Finance Company of Mississippi, LLC, Regional Finance Company of Kentucky, LLC and Regional Finance Company of Virginia, LLC (each individually a
“Borrower” and collectively the “Borrowers”), the financial institutions listed therein (such financial institutions, together with their respective successors and assigns, are referred to hereinafter each individually as a
“Lender” and collectively as the “Lenders”) and Bank of America, N.A. as agent for the Lenders (in its capacity as agent, the “Agent”). 

RECITALS 

WHEREAS, the Borrowers, Lenders and Agent are parties to that certain Fifth Amended and Restated Loan and Security Agreement, dated as
of September 18, 2015 and amended on May 23, 2016 (and as may be further amended, restated, modified, substituted, extended, or renewed from time to time, and together with all of its exhibits, schedules and attachments thereto,
collectively the “Loan Agreement”); 
 WHEREAS, the Borrowers acknowledge that as of the close of business on
August 25, 2016, there was outstanding the aggregate principal amount of $421,641,480.25 under the revolving credit facility; 

WHEREAS, the Borrowers have requested that the Agent and the Lenders modify certain provisions of the Loan Agreement to provide, among
other things, for the extension of the Maturity Date and the increase of the amount of the Total Credit Facility, and the Agent and the Lenders have agreed to do so subject to the terms and conditions set forth herein; 

NOW THEREFORE, in consideration of the mutual promises and agreements contained herein and other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, the parties hereto do hereby agree as follows: 

Section 1        DEFINED TERMS; RECITALS. 

Each defined term used herein and not otherwise defined herein shall have the meaning ascribed to such term in the Loan Agreement. The
Borrowers, Lenders and Agent agree that the Recitals above are a part of this Amendment. 

Section 2        AMENDMENTS. The Loan Agreement is hereby amended as follows: 

	 	a.	Any reference to “the Special Purpose Subsidiary” shall be a reference to “a Special Purpose Subsidiary” or “any Special Purpose Subsidiary”, as the context requires. 

 

	 	b.	Any reference to “the Securitization” shall be a reference to “a Securitization”, as the context requires. 

  

	 	c.	Section 1.1 of the Loan Agreement is hereby amended by adding the words “shall mean” after the defined terms “Bank Product Provider”, “Base Rate”, “Borrower
Materials”, “Excluded Property”, “Federal Funds Rate” and “Sanction” and, in each case, prior to the remainder of such definition. 

 

	 	d.	Section 1.1 of the Loan Agreement is hereby amended by deleting subsection (h) of the definition of “Collateral” and replacing it with the following: 

 

	 	•	 	“(h) all equity interests in any Borrower’s Subsidiaries (but not to exceed 65% of the equity interests of any Subsidiaries organized or formed under the laws of a jurisdiction other than the United States (or
any state thereof) or the District of Columbia and excluding all equity interests of any Special Purpose Subsidiary);” 

  

	 	e.	Section 1.1 of the Loan Agreement is hereby amended by deleting subsections (f), (n) (u) and (v) of the definition of “Eligible Contracts” and replacing them with the following:

  

	 	•	 	“(f) (i) are secured by Property located solely in the continental United States or (ii) if unsecured, (A) the aggregate Net Balance of such unsecured Contracts does not exceed $60,000,000, in the
aggregate, at any given time and (B) such unsecured Contracts shall only remain Eligible Contracts if, upon a refinancing thereof, such unsecured Contracts are then secured by Property located solely in the continental United States;”

  

	 	•	 	“(n) such Contract has not been subject to three (3) or more payment extensions within the last twelve months;” 

  

	 	•	 	“(u) (i) with respect to Small Loan Contracts that had an original term of less than 12 months, such Small Loan Contract has not been subject to any payment extension and (ii) with respect to Small Loan
Contracts that had an original term of 12 months or greater and have been granted a payment extension, such Small Loan Contract is not more than 29 days contractually delinquent in making a payment scheduled thereunder;” 

 

	 	•	 	“(v) such Contract is not secured by a mobile home;” 

  

	 	f.	Section 1.1 of the Loan Agreement is hereby amended by adding the following definitions in alphabetical order in such section: 

  

	 	•	 	“Existing Term Loan Transaction shall mean the Credit Agreement, subject to the Intercreditor Agreement, dated as of December 11, 2015, by and among Regional Management Receivables, LLC, as borrower,
Regional Management Corp., as servicer, the lenders from time to time party thereto, Wells Fargo Securities, LLC, as administrative agent for the lenders, and Wells Fargo Bank, National Association, as account bank, collateral custodian, and backup
servicer.” 

  
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	 	•	 	“In-Transit Collateral shall mean collateral in transit after being executed at a site managed by a third-party referral source for which (a) copies of such collateral have been provided to the relevant
Borrower, (b) such collateral shall be valued at an amount no greater than $1,000,000.00 in the aggregate at any given time and (c) such collateral is in-transit for no more than five (5) business days after such collateral has been
granted.” 

  

	 	•	 	“Ineligibility Threshold shall have the meaning specified in Section 5.3.” 

  

	 	•	 	“Opinions Analysis shall have the meaning specified in Section 5.3.” 

  

	 	•	 	“Opinions Deadline shall have the meaning specified in Section 5.3.” 

  

	 	•	 	“Regulation AB shall mean Subpart 229.1100 — Asset Backed Securities (Regulation AB), 17 C.F.R. §§229.1100-229.1125, as such may be amended from time to time, and subject to such clarification
and interpretation as have been provided by the Securities and Exchange Commission in the adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) that are in effect on any
specific date by the staff of the Securities and Exchange Commission, or as may be provided by the Securities and Exchange Commission or its staff from time to time.” 

 

	 	•	 	“Regulation RR shall mean Regulation RR under the Securities Exchange Act of 1934, codified at 17 C.F.R. Part 246.” 

 

	 	•	 	“Review Period shall have the meaning specified in Section 5.3.” 

  

	 	g.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Permitted Securitization Transfer” and replacing it with the following: 

 

	 	•	 	“Permitted Securitization Transfer shall mean the sale of Securitization Contracts by a Borrower to any Special Purpose Subsidiary, so long as (i) no Default or Event of Default will otherwise exist
after giving effect to such transfer, (ii) such transfer is permitted pursuant to Section 8.18 and (iii) such transfer has been approved by Agent and each Lender.” 

 

	 	h.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Securitization” and replacing it with the following: 

 

	 	•	 	“Securitization shall mean (1) the Existing Term Loan Transaction and (2) any securitization or similar transaction approved by the Agent and each Lender in writing, (a) pursuant to which,
among other things, a Borrower or Borrowers make Permitted Securitization Transfers to a Special Purpose Subsidiary pursuant to purchase and sale agreements or similar agreements (collectively with all indentures, servicing agreements, placement
agency or underwriting agreements, 

  
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trust agreements and other material documents and agreements executed in connection with a securitization or related thereto, the “Securitization Documents”) among such Borrower
or Borrowers, such Special Purpose Subsidiary and other Persons under such securitization (which Securitization Documents shall be in form and substance satisfactory to Agent and shall not contravene any terms, covenants or provisions of this
Agreement), and (b) which is subject to the Intercreditor Agreement by each applicable party in such Securitization; provided that with respect to the sale or transfer of Contracts pursuant to a Securitization, (i) the Borrowers have
provided to Agent certified true copies of all related Securitization Documents, which shall be deemed to be confidential when delivered; (ii) the Borrowers have provided to Agent an opinion of Borrower’s counsel regarding the
enforceability of any amendment to the Intercreditor Agreement; (iii) such Permitted Securitization Transfer shall not involve any recourse to the selling Borrower(s) or any other Borrower or any of their Subsidiaries, other than a Special
Purpose Subsidiary, for any reason other than (A) repurchases or substitutions of non-eligible receivables and related assets solely as a result of a breach by such selling Borrower(s) of a representation or warranty with respect thereto under
the Securitization Documents, (B) retention by the Sponsor or a Majority-Owned Affiliate of the Sponsor (as such terms are defined under Regulation RR) of not less than 5% of the credit risk for any asset that the Sponsor, through the issuance
of an asset-backed security interest, transfers, sells or conveys to a third party in compliance with the obligations set forth under Regulation RR, as applicable, (C) liabilities and disclosure and reporting obligations under applicable
federal and state securities laws, including Regulation AB, with respect to such Securitization, including, but not limited to, liabilities for customary indemnification obligations set forth under the applicable Securitization Documents, and
(D) liabilities for payment of certain fees and expenses of the transaction parties under the applicable Securitization Documents; (iv) the Agent shall be reasonably satisfied that the terms of the Securitization and Securitization
Documents are (in the good faith understanding of the Agent) consistent with those prevailing in the market for similar transactions involving a receivables originator/servicer of similar credit quality and a receivables pool of similar
characteristics; and (v) the Securitization Documents shall not be amended or modified in any material respect without the prior written approval of Agent.” 

 

	 	i.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Securitization Approved Amount” from such section. 

 

	 	j.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Securitization Contracts” and replacing it with the following: 

 

	 	•	 	“Securitization Contracts shall mean Contracts, as listed on a schedule to be delivered to and approved by Agent at the time of such Securitization that have been sold, transferred and conveyed either
directly or indirectly to a Special Purpose Subsidiary, but excluding any such Contracts that have been repurchased, reassigned or transferred to a Borrower by a Special Purpose Subsidiary, with the prior consent of the Agent.”

  
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	 	k.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Special Purpose Subsidiary” and replacing it with the following: 

 

	 	•	 	“Special Purpose Subsidiary shall mean a direct or indirect Subsidiary of Regional formed for the purpose of entering into a Securitization, including, without limitation, Regional Management Receivables,
LLC, a Delaware limited liability company, and performing its duties and obligations (and exercising its rights) under the Securitization Documents, and that is not used for any other purpose or to engage in any other business or activity.”

  

	 	l.	Section 1.1 of the Loan Agreement is hereby amended by deleting the definition of “Total Credit Facility” and replacing it with the following: 

 

	 	•	 	“Total Credit Facility shall mean $585,000,000.00.” 

  

	 	m.	Section 2.2(b)(ii) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(ii) After giving effect to any Borrowing, there may not be more than eight (8) different Interest Periods in effect.” 

 

	 	n.	Section 2.6(f) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(f) After giving effect to any conversion or continuation of Loans, there may not be more than eight (8) different Interest Periods in effect.” 

 

	 	o.	Section 2.8 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“2.8 Unused Line Fee. Borrowers agree to pay, on the 1st day of each month (or another day designated by Agent during a calendar month) and on the Maturity Date, to Agent, for the account of Lenders, in
accordance with their respective Pro Rata Shares, an unused line fee (the “Unused Line Fee”) at the rates per annum set forth below opposite the applicable amounts under the column entitled “Average Daily Amount”. Such
“Average Daily Amount” shall be an amount by which the Total Credit Facility exceeds the sum of (i) the average daily outstanding amount of Revolving Loans and (ii) the average daily undrawn face amount of outstanding Letters of
Credit during the immediately preceding month or shorter period if calculated on the Maturity Date. The Unused Line Fee shall be computed on the basis of a 360-day year for the actual number of days elapsed. All payments received by Agent shall be
deemed to be credited to Borrowers’ Loan Account immediately upon receipt for purposes of calculating the Unused Line Fee pursuant to this Paragraph 2.8. 

 

			
	 Average Daily Amount
	  	 Unused Line Fee Rate

	 If >$185,000,000.00
	  	0.50%
	 If £$185,000,000.00
	  	0.375%”

  
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	 	p.	The first paragraph of Section 2.22 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“2.22 Requested Increases to Commitments. Provided that no Default or Event of Default exists, at any time prior to ninety (90) days before the Maturity Date, Borrower Agent may request from time to
time in writing to the Agent that the Commitments be increased, by an amount not less than $25,000,000 or higher integral multiple of $25,000,000, in any event, not to exceed $650,000,000 (total commitments), or an aggregate amount that is equal to
an amount which would increase the Commitments to $650,000,000 (total commitments), according to the following procedures:” 

  

	 	q.	Section 3.1 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“3.1 Term of Agreement and Loan Repayment. This Agreement shall have a term commencing on the date this Agreement becomes effective, and ending on August 26, 2019, or such earlier date by acceleration
or otherwise (“Maturity Date”). The Loans shall be due and payable in full on the Maturity Date without notice or demand and shall be repaid to Agent, for the account of Lenders, by a wire transfer of immediately available funds.
Borrowers may terminate this Agreement prior to the Maturity Date by: (a) giving Agent and Lenders at least thirty (30) days prior notice of intention to terminate this Agreement; (b) paying and performing, as appropriate, all
Obligations on or prior to the effective date of termination (other than indemnification and other contingent obligations for which no amount is due and owing and for which no claim has been made); (c) paying to Agent, for the account of the
Lenders, an early termination fee equal to (i) one percent (1.00%) of the Total Credit Facility in the event the effective date of termination occurs at any time on or prior to August 26, 2017, and (ii) one-half of one percent
(0.50%) of the Total Credit Facility in the event the effective date of termination occurs at any time after August 26, 2018 and prior to the Maturity Date; and (d) with respect to any LIBOR Revolving Loans prepaid in connection with such
termination prior to the expiration date of the Interest Period applicable thereto, the payment of the amounts described in Paragraph 2.14. Notwithstanding the foregoing, upon the occurrence of an Event of Default, Agent may (and shall, at
the direction of Majority Lenders) immediately accelerate the Maturity Date and terminate further performance under this Agreement without notice or demand; it being agreed that the prepayment penalties in the preceding sentence shall apply if the
Agent accelerates the Maturity Date. For the avoidance of doubt, the amendment and restatement of the Existing Agreement shall not constitute a termination of the Existing Agreement for purposes of Section 3.1 thereof.” 

  
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	 	r.	Section 4.1 of the Loan Agreement is hereby amended by adding the following sentence to the end of such section: 

  

	 	•	 	“In no event shall the grant of any Lien under any Loan Document secure an Excluded Swap Obligation of the granting obligor.” 

 

	 	s.	Section 4.4 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“4.4 Location of Collateral. Each Borrower represents and warrants that except for Collateral which has been delivered to Agent under the terms hereof (and In-Transit Collateral): (a) Schedule
4.4 is a correct and complete list of the locations of all of books and records concerning the Collateral, the locations of the Collateral, and the locations of all such Borrower’s places of business as of the Closing Date, except to the
extent that newly acquired Collateral is in transit in the ordinary course of business to any such locations; and (b) the Collateral shall remain at all times in the possession of such Borrower. Each Borrower covenants and agrees that, except
for Collateral in the possession of Agent (and In-Transit Collateral), it will not maintain the Collateral at any location other than those listed in Schedule 4.4, and will not otherwise change or add to those locations, unless such Borrower
promptly executes and delivers to Agent any and all financing statements and other documents customarily required by Agent in such circumstance and, not less frequently than each calendar quarter, such Borrower delivers to Agent an update to
Schedule 4.4; provided, however, that Agent may require, from time to time, more frequent updates to such Schedule 4.4 in its Permitted Discretion. Notwithstanding any provision of this Agreement to the contrary, upon the occurrence
and during the continuance of an Event of Default, each Borrower shall upon Agent’s request immediately deliver to Agent all Contracts and related Security Documents then existing and thereafter arising. With respect to convenience check
(a/k/a live checks) stored electronically pursuant to the then current market practices and for which there is no originally executed documentation available (again, pursuant to the then current market practices), such Collateral shall be stored on
an electronic system maintained by or on behalf of Borrower, which system must be at all times accessible by, and acceptable to, each of the Lenders. Borrower shall comply with any further requirements that any Lender may, from time to time,
reasonably require in connection with the perfection of the Lenders’ security interest in any Collateral stored electronically.” 

  

	 	t.	A new Section 5.3 of the Loan Agreement is hereby added as follows: 

  

	 	•	 	 “5.3 Opinions Regarding Form Contracts. The Borrowers shall use best efforts to deliver to the Agent,
on or prior to April 30, 2017 (the “Opinions Deadline”), opinions of counsel, satisfactory to the Agent in its reasonable discretion, with respect to the compliance with applicable law of each form of contract used by any Borrower
with respect to its Contracts; provided, however, that (i) an opinion of counsel shall not be required (A) if such opinion of counsel is no longer 

  
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available to be provided (due to a change in the legal industry standard) for any such form of contract, and (B) if such form of contract, as determined by the Agent in its sole discretion,
continues to comply with all other conditions of an Eligible Contract in this Agreement, (ii) the Agent shall have ten (10) business days following its receipt of any draft opinion of counsel within which to review and comment thereon (a
“Review Period”), it being agreed that if the Agent does not deliver its comments to the Borrower within a Review Period, the Opinions Deadline shall be extended by one day for each day beyond the Review Period until the Agent
delivers its comments to the Borrower, and (iii) the Borrower shall not be required to deliver opinions of counsel with respect to indirect automobile and retail lending forms of contract prepared by Wolters Kluwer, Bankers Systems, or The
Reynolds and Reynolds Company, or such other company at the discretion of the Agent. At the time of the delivery of each monthly Borrowing Base Certificate following the Opinions Deadline (as such deadline may be extended pursuant to the terms of
this paragraph), the Borrowers shall provide to the Agent an analysis (the “Opinions Analysis”), itemized by state, of all outstanding Contracts originated on forms of contract for which an opinion of counsel is required but has not
been provided. Subject to the proviso in clause (i) hereof, if the aggregate Net Balance of such Contracts in a particular state on any given date exceeds 25% (the “Ineligibility Threshold”) of the aggregate Net Balance of all
outstanding Contracts (excluding indirect automobile and retail lending Contracts) for such state, the Agent shall have the option (but not the obligation), upon sixty (60) days’ prior written notice to the Borrowers, to declare as
immediately ineligible such Contracts originated on forms of contract for which an opinion of counsel is required but has not been provided until either (y) opinions of counsel, satisfactory to the Agent in its reasonable discretion, are
delivered to the Agent with respect to forms of contract on which such Contracts are written, or (z) the aggregate Net Balance of such Contracts as a percentage of all Contracts outstanding (excluding indirect automobile and retail lending
Contracts) for such state falls below the Ineligibility Threshold. It is further agreed that the Ineligibility Threshold shall decrease to 15% on September 30, 2017 and to 10% on December 31, 2017, and the Borrowers obligation to deliver
the Opinions Analysis shall cease following December 31, 2017 when no group of Contracts exceeds the Ineligibility Threshold. The Agent expressly reserves all other rights to determine whether any Contract is an Eligible Contract.”

  

	 	u.	Section 7.22 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“7.22 Assignments of Contracts and Security Documents. Upon the reasonable request of Agent, on a monthly basis in connection with the delivery of Compliance Certificates relating to the financial statements
delivered for each fiscal quarter (or more frequently if requested by Agent), Borrowers shall execute and deliver to Agent formal written collateral assignments of all new Contracts and Security Documents securing the same entered into during the
immediately preceding calendar month, and all such other documents as may be reasonably requested by Agent in connection therewith.” 

  
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	 	v.	Section 8.10(f) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(f) To the extent that the Agent determines that the loss reserves required under subsections (a)-(c) hereof are inadequate to cover Borrower’s losses with respect to the Contracts reserved against, the
amount(s) of such shortfall(s) (adjusted for tax purposes using the Borrowers’ then current tax rate but only as to subsection (i) below) shall be deducted from (i) Borrowers’ Adjusted Tangible Net Worth for purposes of this
Agreement and (ii) Borrowers’ Adjusted Net Income for purposes of calculating the Interest Coverage Ratio, to the extent such shortfall(s) was not previously deducted in the prior quarter’s Interest Coverage Ratio test (i.e., the
quarterly change in the calculation).” 

  

	 	w.	Section 8.12 of the Loan Agreement is hereby amended by adding the words “then in effect” after the words “Management Incentive Plan” in each of subsections (iii) and (iv) of such
Section. 

  

	 	x.	Section 8.13 of the Loan Agreement is hereby amended by changing the percentage in such section from “20%” to “15%” throughout such section. 

 

	 	y.	Section 8.18 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“8.18 Securitization. 

 (a) Borrowers may, from time to time,
request the consent of the Agent and Lenders to consummate a Securitization. The Agent and the Lenders may (but are not required to) consent to such Securitization so long as: (i) such Securitization is pursuant to Securitization
Documents; (ii) such sale or transfer of Securitization Contracts consummated pursuant to the Securitization is made by the Borrower to a Special Purpose Subsidiary, (iii) no Event of Default shall exist at the time of, and no Default or
Event or Default shall result from, exist or continue after giving effect to, such sale or transfer, (iv) after giving effect to such sale or transfer, the receivables under the Securitization Contracts (calculated as if such Securitization
Contracts were Contracts) outstanding under the Securitization (calculated as of the month end prior to such sale or transfer if occurring during a month but giving effect to such sale or transfer) shall not exceed an amount approved by Agent (i.e.,
a Permitted Securitization Transfer), as certified to by Borrowers; (v) pursuant to such Securitization, the Borrowers receive net cash proceeds of a percentage (as determined by Agent) of the value of the Securitization Contracts (the evidence
of which is reasonably satisfactory to Agent), and such net proceeds of such Securitization are promptly applied to reduce the existing indebtedness under the Loan Agreement by an amount (as determined by Agent in its Permitted Discretion) equal to
no less than the amount that the Lenders would have advanced (at the then applicable Advance Rate) with respect to such Securitization Contracts (had they not been part of the Securitization), and (vi) Borrowers pay solely out of the proceeds
of such Securitization, certain expenses incurred in connection with the consummation of such Securitization (including without limitation, legal and other third party fees and expenses). 

  
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 (b) Borrowers shall notify the Agent within three (3) Business Days of:
(i) the occurrence of a “servicer default” or “event of default” (or terms comparable thereto) under any Securitization Document; or (ii) any demand, request or notice that with respect to any obligation to repurchase,
redeem or retire any notes or securities relating to a Securitization or Securitization Contracts and/or related assets.” 
  

	 	z.	Section 8.9(a) of the Loan Agreement is hereby amended by adding the words “(i) non-cash stock compensation expense and (ii)...” after the word “plus” in such section. 

 

	 	aa.	Section 8.9(b) of the Loan Agreement is hereby amended by adding the words “(i) non-cash stock compensation expense and (ii)...” after the word “plus” in such section. 

 

	 	bb.	Section 9.2 of the Loan Agreement is hereby amended by deleting the dollar amount of “$1,000.00” and replacing it with “$1,100.00” and deleting the dollar amount of “$125,000.00” and
replacing it with “$150,000.00”. 

  

	 	cc.	Section 10.1(d) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(d) Other Covenants. Failure by any Borrower or any Guarantor to comply with any other covenants or agreements relating to any Borrower or any Guarantor as contained in this Agreement, any Guaranty, or any
other agreement executed in connection herewith or therewith (excluding: (i) in respect of any Bank Products and (ii) any failure to comply with Section 5.3) for more than 30 days (to the extent such failure can be cured and such
Borrower or Guarantor, as applicable, is actively pursuing such cure in good faith but otherwise immediately) after such failure shall first become known to any Borrower or to any Guarantor; or failure by any Borrower to comply with any covenant or
agreement relating to such Borrower as contained in any agreement in respect of Bank Products beyond the applicable grace or cure period, if any, applicable thereto.” 

 

	 	dd.	Section 10.1(g) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“(g) Default in Other Agreements. Default in the payment of any sum due under any instrument of Debt for borrowed money in excess of $2,500,000.00 owed by any Borrower or any Guarantor to any Person or any
other default under such instrument of indebtedness which permits such indebtedness to become due prior to its stated maturity or permits the holders of such indebtedness to elect a majority of the board of directors or manage the business of any
Borrower or any Guarantor; provided, however, no Event of Default shall result hereunder if such Borrower or Guarantor cures such other default (in accordance with the cure provisions of such other agreement) or if the Person to whom
such Debt is owed waives such default.” 

  
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	 	ee.	Section 11.1(b) of the Loan Agreement is hereby amended by changing the amount in such section from “$600,000,000.00” to “$650,000,000.00”. 

 

	 	ff.	Section 11.1(j) of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

“(j) change the definitions of “Availability”, “Majority Lenders”, “Required Lenders” or
“Securitization”;” 
  

	 	gg.	Section 13.24 of the Loan Agreement is hereby deleted in its entirety and replaced with the following: 

  

	 	•	 	“13.24 Replacement of Lenders. If (a) only one Lender requests compensation under Paragraph 2.13, (b) if a Borrower is required to pay any additional amount to only one Lender or any Governmental
Authority for the account of one Lender pursuant to Paragraph 2.11, (c) if any Lender is a Defaulting Lender, (d) if any Lender is acquired by or merges with any other Person and such Lender is not the surviving Person, or (e) if only
one Lender fails to approve an amendment, consent or waiver hereunder (including, in connection with a Securitization or substantially similar transaction proposed by the Borrowers) which is approved by the Majority Lenders, then the Borrowers may,
at their sole expense and effort, upon notice to such Lender and Agent, (1) notwithstanding clauses (i), (iii) and (iv) below, prepay all outstanding amounts owed to such Lender, as more specifically described in clause
(ii) below (plus any prepayment penalty set forth in Paragraph 3.1), in connection with the closing of any Securitization (or substantially similar transaction proposed by the Borrowers) and permanently reduce the aggregate Commitments by the
Commitment held by such Lender or (2) require such Lender to assign and delegate, without recourse (in accordance with and subject to the restrictions contained in, and consents required by, Paragraph 11.2), all of its interests, rights and
obligations under this Agreement and the related Loan Documents to an assignee that shall assume such obligations (which assignee may be another Lender, if a Lender accepts such assignment), provided that: 

(i) Borrowers or the assignee shall have paid Agent the assignment fee specified in subparagraph 11.2(a). 

(ii) such Lender shall have received payment of an amount equal to the outstanding principal of its Loans, accrued interest thereon, accrued
fees and all other amounts payable to it hereunder and under the other Loan Documents (including any amounts under Paragraph 2.14 from the assignee (to the extent of such outstanding principal and accrued interest and fees) or the Borrowers (in the
case of all other amounts); 
 (iii) such assignment does not conflict with applicable laws; and 

  
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 (iv) such assignment is completed within ninety (90) days of any request in (a) above,
payment in (b) above, default in (c) above, merger in (d) above, or any failure to approve in (e) above . 
 A Lender
shall not be required to make any such assignment or delegation if, prior thereto, as a result of a waiver by such Lender or otherwise, the circumstances entitling the Borrowers to require such assignment and delegation cease to apply. The right to
replace a Lender hereunder in subparagraphs (a), (b) and (e) does not apply if more than one Lender is affected in each scenario.” 
  

	 	hh.	The Schedules attached to the Loan Agreement are hereby replaced with the Schedules attached hereto as Exhibit A. 

Section 3        REPRESENTATIONS AND WARRANTIES. 

Each of the Borrowers hereby represents and warrants to the Agent, as of the Amendment Effective Date, as follows: 

3.1 Authorization; Enforceability; Ratification. This Amendment has been duly and validly executed by an authorized officer of such
Borrower and constitutes the legal, valid and binding obligation of such Borrower enforceable against such Borrower in accordance with its terms, except as enforceability may be limited by bankruptcy, insolvency or similar laws affecting the
enforcement of creditors’ rights generally. The Loan Agreement remains in full force and effect and remains the valid and binding obligation of each such Borrower enforceable against such Borrower in accordance with its terms, except as
enforceability may be limited by bankruptcy, insolvency or similar laws affecting the enforcement of creditors’ rights generally. 

3.2 No Default or Event of Default. No Default or Event of Default is existing under the Loan Agreement and no Default or Event of
Default will occur as a result of the effectiveness of this Amendment. 
 3.3 Restatement of Representations and Warranties;
Schedules. The representations and warranties of such Borrower contained in the Loan Agreement and the other Loan Documents are true and correct in all material respects (except that if any such representation or warranty contains any
materiality qualifier, such representation or warranty shall be true and correct in all respects) on and as of the date of this Amendment as though made on the date of this Amendment (except for representations and warranties that expressly relate
to an earlier date). The Schedules to the Loan Agreement are accurate and complete on and as of the date of this Amendment (except for Schedules that expressly relate to an earlier date). 

Section 4        CONDITIONS TO EFFECTIVENESS. 

This Amendment shall become effective (the “Amendment Effective Date”) when and only when (a) this Amendment shall be
executed and delivered by each Borrower, the Agent and the Lenders, (b) the Agent shall have received a certificate of the Secretary of each Borrower as to (x) resolutions of its board of directors, or applicable governing body, then in
full force and effect authorizing the execution, delivery and performance of this Amendment and (y) the incumbency signatures of those of its officers authorized to act with respect to this Amendment,

  
 12 

 
(c) the Agent shall have received an executed Reaffirmation from the Guarantors, (d) the Agent shall have received executed each of the Notes (to the extent such are being amended and
restated hereto), (e) (I) the Borrowers shall have paid to Agent a non-refundable amendment fee, in full in cash, equal to $269,000.00, to be distributed by Agent pro-rata based on Commitment percentage (i.e. Bank of America, N.A. =
$82,500.00, Wells Fargo Bank, National Association = $65,000.00, BMO Harris Financing, Inc. = $44,000.00, Capital One, N.A. = $37,500.00, Texas Capital Bank, N.A. = $15,000.00, First Tennessee Bank National Association = $17,500.00 and Capital Bank,
N.A. = $7,500.00) and (II) the Borrower shall have paid to Agent a non-refundable commitment increase fee, in full in cash equal to $117,500.00, to be distributed by Agent as follows: $75,000.00 to Bank of America, N.A., $30,000.00 to BMO Harris
Financing, Inc. and $12,500.00 to First Tennessee Bank National Association, (f) the Agent shall have received an opinion of Alston & Bird, LLP, in form and content acceptable to Agent in connection with this Amendment and (g) the
Agent shall have received such additional closing documents as it shall reasonably specify in connection with the transactions contemplated hereby. 

Section 5        MISCELLANEOUS. 

5.1 Governing Law. This Amendment shall be governed by and construed in accordance with the laws of the State of New York without
giving effect to any conflict of law principles except federal laws relating to national banks. 
 5.2 Severability. Any provision of
this Amendment which is prohibited or unenforceable shall be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions of this Amendment. 

5.3 Counterparts. This Amendment may be executed in any number of counterparts and by different parties hereto in separate
counterparts, each of which when so executed and delivered shall be deemed to be an original, and all of which taken together shall constitute but one and the same instrument, and counterparts hereof may be delivered by facsimile or .PDF electronic
transmission which shall be effective as a manually signed original counterpart. 
 5.4 Headings. Section headings used in this
Amendment are for the convenience of reference only and are not a part of this Amendment for any other purpose. 
 5.5 Negotiations.
By accepting this Amendment, each Borrower acknowledges and agrees that all of the provisions contained herein were negotiated and agreed to in good faith after discussion with the Agent. 

5.6 Nonwaiver. Except as set forth in Section 2 above or as otherwise expressly set forth herein, the execution, delivery,
performance and effectiveness of this Amendment shall not operate as, or be deemed or construed to be, a waiver: (a) of any right, power or remedy of the Agent under the Loan Agreement or the other Loan Documents or (b) of any term,
provision, representation, warranty or covenant contained in the Loan Agreement or any other Loan Document. Further, none of the provisions of this Amendment, except as set forth in Section 2 above, shall constitute, be deemed to be or
construed as, a waiver of any Default or Event of Default under the Loan Agreement. 

  
 13 

 5.7 Reference to and Effect on the Loan Agreement; Successor and Assigns. Upon the
effectiveness of this Amendment, each reference in the Loan Agreement to “this Agreement,” “hereunder,” “hereof,” “herein,” or words of like import shall mean and be a reference to the Loan Agreement, as
modified by this Amendment and each reference to the Loan Agreement in any other document, instrument or agreement executed and/or delivered in connection with the Loan Agreement shall mean and be a reference to the Loan Agreement, as modified by
this Amendment. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective permitted successors and assigns. 

5.8 Acknowledgment; Release of Claims. No Borrower is aware of any claim or offset against, or defense or counterclaim to, such
Borrower’s obligations or liabilities under the Loan Agreement or any Loan Document to which it is a party. In consideration of the Lender’s agreements contained in this Amendment, each Borrower hereby irrevocably releases and forever
discharges the Agent and its Affiliates, subsidiaries, successors, assigns, directors, officers, employees, agents, consultants and attorneys (each, a “Released Person”) of and from any and all claims, suits, actions,
investigations, proceedings or demands, whether based in contract, tort, implied or express warranty, strict liability, criminal or civil statute or common law of any kind or character, known or unknown, which such Borrower ever had or now has
against the Agent or any other Released Person which relates, directly or indirectly, to any acts or omissions of the Agent or any other Released Person relating to the Loan Agreement or any Loan Document on or prior to the date hereof. 

5.9 Reaffirmation. Each of the parties hereto (as debtor, grantor, pledgor, guarantor, assignor, or in any other similar capacity in
which such party grants liens or security interests in its property or otherwise acts as accommodation party or guarantor, as the case may be, under the Loan Documents) hereby: (i) ratifies and reaffirms all of its payment and performance
obligations, contingent or otherwise, under the Loan Agreement and the other Loan Documents to which it is a party and (ii) to the extent such party has granted liens on or security interests in any of its property pursuant to the Loan
Agreement or any other Loan Document as security for or otherwise guaranteed the Obligations, ratifies and reaffirms such guarantee and grant of security interests and liens and confirms and agrees that such security interests and liens hereafter
secure all of the Obligations. Each of the parties hereto hereby consents to this Amendment and hereby ratifies and affirms the Loan Agreement and the other Loan Documents, as modified hereby. 

5.10 Waiver of Jury Trial. Each party hereto waives to the fullest extent permitted by law, any right it may have to a trial by jury of
any claim, counterclaim, action or other proceeding arising under or relating to this amendment or the transactions contemplated hereby. 

5.11 Loan Document. This Amendment is a Loan Document. 

5.12 Fees and Expenses. The Borrowers shall pay all outstanding costs, expenses and fees of the Agent and its advisors, service
providers and legal counsels incurred in connection with the documentation of this Amendment. 
 [Signature Pages Follow] 

  
 14 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed by
their respective officers or agents thereunto duly authorized as of the date first written above. 
  

			
	BORROWERS
	
	REGIONAL MANAGEMENT CORP.
	REGIONAL FINANCE CORPORATION OF SOUTH CAROLINA
	REGIONAL FINANCE CORPORATION OF GEORGIA
	REGIONAL FINANCE CORPORATION OF TEXAS
	REGIONAL FINANCE CORPORATION OF NORTH CAROLINA
	REGIONAL FINANCE CORPORATION OF ALABAMA
	REGIONAL FINANCE CORPORATION OF TENNESSEE
	REGIONAL FINANCE COMPANY OF OKLAHOMA, LLC
	REGIONAL FINANCE COMPANY OF NEW MEXICO, LLC
	REGIONAL FINANCE COMPANY OF MISSOURI, LLC
	REGIONAL FINANCE COMPANY OF GEORGIA, LLC
	REGIONAL FINANCE COMPANY OF MISSISSIPPI, LLC
	REGIONAL FINANCE COMPANY OF LOUISIANA, LLC
	RMC FINANCIAL SERVICES OF FLORIDA, LLC
	REGIONAL FINANCE COMPANY OF KENTUCKY, LLC
	REGIONAL FINANCE COMPANY OF VIRGINIA, LLC,
as Regional Borrowers
		
	By:	 	 /s/ Donald E. Thomas

	Name: Donald E. Thomas
	Title:   EVP and CFO
	Address: 509 West Butler Road, Greenville, South Carolina 29607

 
			
	AGENT
	
	BANK OF AMERICA, N.A., as Agent
		
	By:	 	 /s/ Bruce Jenks

	Name: Bruce Jenks
	Title:   Senior Vice President

 
			
	Address:	 	4 Sentry Parkway, Suite 200
		 	   Blue Bell, PA 19422
	Attn: Bruce Jenks
	Telecopy:	 	646-834-9753
	
	LENDERS
	
	 BANK OF AMERICA, N.A.,
 as a
Lender and Letter of Credit Issuer

 
			
		
	By:	 	 /s/ Bruce Jenks

	Name: Bruce Jenks
	Title:   Senior Vice President
	
	Commitment = $195,000,000.00
	
	 BMO HARRIS FINANCING, INC.,

as a Lender

 
			
		
	By:	 	 /s/ Michael S. Cameli

	Name: Michael S. Cameli
	Title:   Director

 
			
	
	Commitment = $100,000,000.00
	
	 FIRST TENNESSEE BANK NATIONAL ASSOCIATION,

as a Lender

 
			
		
	By:	 	 /s/ Micah Dickey

	Name: Micah Dickey
	Title:   Vice President
	
	Commitment = $40,000,000.00

 
			
	CAPITAL ONE, N.A.,
	as a Lender
		
	By:	 	 /s/ Beverly Abrahams

	Name:     Beverly Abrahams
	Title:       Senior Vice President
	
	Commitment = $75,000,000.00
	
	 TEXAS CAPITAL BANK, N.A.
 as
a Lender

		
	By:	 	 /s/ Stephanie Bowman

	Name:     Stephanie Bowman
	Title:       Senior Vice President
	
	Commitment = $30,000,000.00
	
	 WELLS FARGO BANK, NATIONAL ASSOCIATION

as a Lender

		
	By:	 	 /s/ Thomas M. Romanowski

	Name:     Thomas M. Romanowski
	Title:       Vice President
	
	Commitment = $130,000,000.00
	
	 CAPITAL BANK, N.A.
 as a
Lender

		
	By:	 	 /s/ Lam B. Britton

	Name:     Lam B. Britton
	Title:       Senior Vice President
	
	Commitment = $15,000,000.00

 SCHEDULE 4.4 

LOCATIONS OF BOOKS AND RECORDS AND COLLATERAL 

The following is a correct and complete list of the locations of all books and records concerning the Collateral, the locations of the Collateral, and the
locations of all Borrowers’ places of business as of the Closing Date: 
 501 West Butler Road, Greenville, South Carolina 29607 

503 West Butler Road, Greenville, South Carolina 29607 

507 West Butler Road, Greenville, South Carolina 29607 

509 West Butler Road, Greenville, South Carolina 29607 

511 West Butler Road, Greenville, South Carolina 29607 

9303 Monroe Road, Suite A, Charlotte, North Carolina 28270 

979 Batesville Road, Suite B, Greer, South Carolina 29651 

The following branch locations: 
  

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	101	  	101 Verdae Boulevard, Suite 130	  	Greenville	  	SC	  	29607-3887
	102	  	528 Knox Abbott Drive	  	Cayce	  	SC	  	29033-4125
	103	  	1544 West Floyd Baker Blvd	  	Gaffney	  	SC	  	29341-1204
	104	  	1924 Remount Road	  	North Charleston	  	SC	  	29406-3241
	105	  	120 Highway 14, Suite C	  	Simpsonville	  	SC	  	29681-6056
	106	  	2303 Boundary Street, Suite 3	  	Beaufort	  	SC	  	29902-3720
	107	  	1200 Sam Rittenburg Blvd, Suite B	  	Charleston	  	SC	  	29407-5006
	108	  	6729 Two Notch Road Suite L	  	Columbia	  	SC	  	29223-7535
	109	  	314 Richland Avenue West	  	Aiken	  	SC	  	29801-3868
	110	  	110A N. Memorial Avenue	  	Walterboro	  	SC	  	29488-3908
	111	  	1047 Broad Street	  	Camden	  	SC	  	29020-4307
	112	  	592 N. Anderson Road	  	Rock Hill	  	SC	  	29730-7300
	113	  	251 Broad Street	  	Sumter	  	SC	  	29150-4146
	114	  	1450 W. O. Ezell Blvd, Suite 950	  	Spartanburg	  	SC	  	29301-1500
	115	  	718A Montague Avenue	  	Greenwood	  	SC	  	29649-1439
	118	  	302 Main Street	  	Conway	  	SC	  	29526-5131
	119	  	1113 N. Fraser Street	  	Georgetown	  	SC	  	29440-2851
	121	  	2705 North Main Street, Suite C	  	Anderson	  	SC	  	29621-3283
	122	  	642 John C. Calhoun Drive	  	Orangeburg	  	SC	  	29115-6169
	123	  	810 Dutch Square Boulevard, Suite 102	  	Columbia	  	SC	  	29210-7318
	124	  	145 Hwy 15 & 401 Bypass, Suite 7	  	Bennettsville	  	SC	  	29512-4359
	125	  	112 East Carolina Avenue	  	Hartsville	  	SC	  	29550-4214
	126	  	115 E. Richardson Avenue	  	Summerville	  	SC	  	29483-6332
	127	  	2889 Main Street	  	Newberry	  	SC	  	29108-4133
	128	  	109 East Main Street	  	Lake City	  	SC	  	29560-2626
	129	  	410 N. Duncan Bypass, Suite D	  	Union	  	SC	  	29379-8641
	130	  	517 Radford Blvd, Suite D	  	Dillon	  	SC	  	29536-2469

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	131	  	1309 B West Poinsett Street	  	Greer	  	SC	  	29650-1251
	132	  	605 Broadway Street	  	Myrtle Beach	  	SC	  	29577-3814
	133	  	6932 Calhoun Memorial Hwy., Suite G	  	Easley	  	SC	  	29640-3572
	134	  	226 S. Main Street	  	Lancaster	  	SC	  	29720-2444
	135	  	1107 East Godbold Street	  	Marion	  	SC	  	29571-3907
	136	  	129 Lee Avenue	  	Hampton	  	SC	  	29924-3439
	137	  	1612 State Road, Suite A-14	  	Cheraw	  	SC	  	29520-2401
	139	  	141 E. Church Street, Suite M	  	Batesburg-Leesville	  	SC	  	29070-7066
	140	  	104 Bi-Lo Way, Suite A2	  	Moncks Corner	  	SC	  	29461-3975
	141	  	197 Main Street	  	Barnwell	  	SC	  	29812-1847
	142	  	721 U.S. Hwy 321 Bypass S, Unit 11	  	Winnsboro	  	SC	  	29180-6326
	143	  	3720 Boiling Springs Rd, Suite F	  	Boiling Springs	  	SC	  	29316-5760
	144	  	211 Oconee Square Drive	  	Seneca	  	SC	  	29678-2546
	145	  	507 N. Harper Street, Suite D	  	Laurens	  	SC	  	29360-2337
	146	  	348 North Highway 701, Unit 1	  	Loris	  	SC	  	29569-2464
	147	  	404 E. Martintown Road, Suite D	  	North Augusta	  	SC	  	29841-4236
	148	  	938 E. Liberty Street	  	York	  	SC	  	29745-1662
	149	  	200 West Mill Street	  	Kingstree	  	SC	  	29556-3340
	151	  	134 Saint James Avenue, Suite 6	  	Goose Creek	  	SC	  	29445-2995
	152	  	815 West Greenwood Street, Suite 3	  	Abbeville	  	SC	  	29620-2471
	153	  	229 Apple Square Plaza	  	Edgefield	  	SC	  	29824-4203
	154	  	218 City Square	  	Belton	  	SC	  	29627-1433
	155	  	1035 Johnnie Dodds Blvd., Suite C-7	  	Mt. Pleasant	  	SC	  	29464-6154
	156	  	867 U.S. Highway 17 South	  	North Myrtle Beach	  	SC	  	29582-3428
	157	  	7509 Garners Ferry Road, Suite F	  	Columbia	  	SC	  	29209-2664
	158	  	3405 White Horse Road, Suite C	  	Greenville	  	SC	  	29611-5947
	159	  	4490 Socastee Boulevard	  	Myrtle Beach	  	SC	  	29588-7206
	160	  	7249 Saint Andrews Road, Suite B	  	Columbia	  	SC	  	29212-1178
	180	  	2523 S. Cashua Drive	  	Florence	  	SC	  	29501-5350
	187	  	475 N. Main Street, Suite D	  	Hemingway	  	SC	  	29554-9191
	189	  	103 South Brooks Street	  	Manning	  	SC	  	29102-3111
	190	  	509 12th Street	  	West Columbia	  	SC	  	29169-6334
	301	  	2301 Wade Hampton Blvd., Suite 3	  	Greenville	  	SC	  	29615-1059
	302	  	710 South Pendleton Street	  	Easley	  	SC	  	29640-3526
	303	  	6729 Two Notch Road, Unit B	  	Columbia	  	SC	  	29223-7535
	304	  	110 Garner Road, Suite 10	  	Spartanburg	  	SC	  	29303-3155
	305	  	1291 John C. Calhoun Drive	  	Orangeburg	  	SC	  	29115-6672
	306	  	1222 West Evans Street	  	Florence	  	SC	  	29501-3322
	307	  	8600 Dorchester Road, Suite 203	  	North Charleston	  	SC	  	29420-7383
	308	  	479 Bypass 72 NW, Suite 111	  	Greenwood	  	SC	  	29649-1405
	309	  	5175 Sunset Boulevard, Suite 4	  	Lexington	  	SC	  	29072-7320
	311	  	124 Commons Parkway	  	Anderson	  	SC	  	29621-4133

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	312	  	1300 Savannah Highway, Suite 11	  	Charleston	  	SC	  	29407-7849
	313	  	708 Bultman Drive	  	Sumter	  	SC	  	29150-2517
	501	  	2523 East Fifth Street	  	Tyler	  	TX	  	75701-3544
	502	  	1518 Pennsylvania Avenue	  	Fort Worth	  	TX	  	76104-2027
	503	  	217 S. Oklahoma Avenue, Suite D	  	Weslaco	  	TX	  	78596-7970
	504	  	2912 N. Laurent Street	  	Victoria	  	TX	  	77901-4141
	505	  	509 S. Bicentennial Blvd	  	McAllen	  	TX	  	78501-5217
	506	  	318 E. Jackson Street	  	Harlingen	  	TX	  	78550-6850
	507	  	502 W. Calton Road, Suite 109	  	Laredo	  	TX	  	78041-6631
	508	  	2200 Boca Chica Blvd, Suite 104	  	Brownsville	  	TX	  	78521-2241
	509	  	1121 SW Military Drive, Suite 103	  	San Antonio	  	TX	  	78221-1672
	510	  	4918 Ayers Road, Ayers Plaza, Suite 136	  	Corpus Christi	  	TX	  	78415-1431
	511	  	1104-B North Meadow	  	Laredo	  	TX	  	78040-5349
	512	  	2400 Veterans Blvd., Suite 10	  	Del Rio	  	TX	  	78840-3136
	513	  	4761 E. Hwy. 83, Suite B	  	Rio Grande City	  	TX	  	78582-6494
	514	  	2708 H E. Griffin Parkway	  	Mission	  	TX	  	78572-3309
	515	  	206-B West San Antonio Street	  	San Marcos	  	TX	  	78666-5585
	516	  	14145 Nacogdoches Road, Suite 1	  	San Antonio	  	TX	  	78247-1931
	517	  	220 Jefferson Street	  	Eagle Pass	  	TX	  	78852-4820
	518	  	2551 Judson Road, Suite C	  	Longview	  	TX	  	75605-4645
	519	  	8868 Research Boulevard, Suite 705	  	Austin	  	TX	  	78758-8522
	520	  	3221 Wurzbach Road	  	San Antonio	  	TX	  	78238-4002
	521	  	218 E. Kleberg Avenue	  	Kingsville	  	TX	  	78363-4573
	522	  	840 Secretary Drive	  	Arlington	  	TX	  	76015-1640
	523	  	817 W. Pioneer Parkway, Suite 156	  	Grand Prairie	  	TX	  	75051-4738
	524	  	1615 N. Valley Mills Drive	  	Waco	  	TX	  	76710-2552
	525	  	3655 Fredericksburg Road, Suite 119	  	San Antonio	  	TX	  	78201-3859
	526	  	1710 C, Suite 101 South Texas Avenue	  	Bryan	  	TX	  	77802-1019
	527	  	2314 W. Adams Avenue, Suite C	  	Temple	  	TX	  	76504-3931
	528	  	2725 NE 28th Street, Suite 130	  	Fort Worth	  	TX	  	76111-2966
	529	  	1918 North Story Rd.	  	Irving	  	TX	  	75061-1936
	530	  	3115 S. 1st Street	  	Garland	  	TX	  	75041-3422
	531	  	719 West William Cannon Drive, Suite 112	  	Austin	  	TX	  	78745-3981
	532	  	1645 E. Canton Rd	  	Edinburg	  	TX	  	78542-2925
	533	  	1804 Wirt Road	  	Houston	  	TX	  	77055-2407
	534	  	5517 Airline Drive, Suite E	  	Houston	  	TX	  	77076-4946
	535	  	3910 Fairmont Parkway, Suite D	  	Pasadena	  	TX	  	77504-3066
	536	  	12220 Murphy Road, Suite H	  	Stafford	  	TX	  	77477-2410
	537	  	6240 Phelan Boulevard	  	Beaumont	  	TX	  	77706-6120
	538	  	4525 Rigsby Avenue, Suite 106	  	San Antonio	  	TX	  	78222-1275
	539	  	459 Uvalde Road	  	Houston	  	TX	  	77015-3717
	540	  	3401 W. Davis Street, Suite A1	  	Conroe	  	TX	  	77304-1841

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	541	  	6003 Bellaire Blvd., Suite G	  	Houston	  	TX	  	77081-5421
	542	  	500 N. Oregon, Suite E	  	El Paso	  	TX	  	79901-1124
	543	  	8720 Alameda Avenue, Suite A	  	El Paso	  	TX	  	79907-6275
	544	  	10755 N. Loop Drive, Suite P	  	Socorro	  	TX	  	79927-4694
	545	  	3333 N. Yarbrough Drive, Suite V	  	El Paso	  	TX	  	79925-1739
	546	  	9861 Dyer Street, Suite 4	  	El Paso	  	TX	  	79924-4747
	547	  	6920 Delta Drive, Suite 2	  	El Paso	  	TX	  	79905-5519
	548	  	1605 George Dieter Drive, Suite 302	  	El Paso	  	TX	  	79936-6586
	549	  	3806 Avenue I, Suite 22	  	Rosenberg	  	TX	  	77471-3951
	550	  	7500 Eckhert Road, Suite 460	  	San Antonio	  	TX	  	78240-3068
	551	  	5015 FM 2920 Road, Suite B	  	Spring	  	TX	  	77388-3114
	552	  	230 W. Parker Road, Suite 190	  	Plano	  	TX	  	75075-2383
	553	  	11819 West Avenue, Suite 2	  	San Antonio	  	TX	  	78216-2533
	554	  	3465 W. Walnut Street, Suite 107	  	Garland	  	TX	  	75042-7169
	555	  	1015 S. Mays Street, Suite 101	  	Round Rock	  	TX	  	78664-6745
	556	  	6242 Rufe Snow Drive, Suite 230	  	North Richland Hills	  	TX	  	76148-3347
	557	  	1703 Shaver Street	  	Pasadena	  	TX	  	77502-2027
	558	  	2550 Broadway Street	  	Pearland	  	TX	  	77581
	559	  	11925 Southwest Freeway, Suite 6	  	Stafford	  	TX	  	77477-2300
	560	  	4485 North Freeway	  	Houston	  	TX	  	77022
	561	  	873 S. Mason Road, Suite 324	  	Katy	  	TX	  	77450-3882
	562	  	3917 W. Camp Wisdom Road, Suite 107	  	Dallas	  	TX	  	75237-2468
	563	  	2506 25th Avenue North, Suite 2	  	Texas City	  	TX	  	77590-4666
	564	  	2901 Alta Mere Drive, Suite 1000	  	Fort Worth	  	TX	  	76116-4180
	565	  	1700 N. Zaragoza Road, Suite 103	  	El Paso	  	TX	  	79936-7964
	566	  	14181 Northwest Freeway	  	Houston	  	TX	  	77040-5013
	567	  	1931 Texas Parkway	  	Missouri City	  	TX	  	77489-3121
	568	  	1101 E. Highway 6, Suite A	  	Alvin	  	TX	  	77511-2878
	569	  	2364 E. Southcross Blvd.	  	San Antonio	  	TX	  	78223-2263
	570	  	1420 FM1960 Bypass Rd. E, Suite 118	  	Humble	  	TX	  	77338-3934
	571	  	5488 Walzem Road	  	San Antonio	  	TX	  	78218-2125
	572	  	2301 N. Collins Street, Suite 116	  	Arlington	  	TX	  	76011-2645
	573	  	901 N Raul Longoria Rd, Suite 4	  	San Juan	  	TX	  	78589-3747
	574	  	4010 W. Commerce Street, Suite 101	  	San Antonio	  	TX	  	78207-3650
	575	  	4902 Holly Road, Suite 112	  	Corpus Christi	  	TX	  	78411-4767
	576	  	16876 Stuebner Airline Road	  	Spring	  	TX	  	77379-6207
	577	  	713 W Wheatland Rd	  	Duncanville	  	TX	  	75116
	578	  	3719 N Fry Rd, Suite O	  	Katy	  	TX	  	77449-6740
	579	  	4509 50th Street	  	Lubbock	  	TX	  	79414-3611
	580	  	4070 N. Belt Line Road, Suite 153	  	Irving	  	TX	  	75038-5010
	581	  	12637 Westheimer Road, Suite 150	  	Houston	  	TX	  	77077-5746
	582	  	9714 Potranco Road, Suite 113	  	San Antonio	  	TX	  	78251-9617

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	583	  	2400 E. Oltorf Street, Suite 12A	  	Austin	  	TX	  	78741-4567
	584	  	2644 SW 34th Avenue	  	Amarillo	  	TX	  	79109-4806
	585	  	1607 East 8th Street	  	Odessa	  	TX	  	79761-4806
	586	  	2252 E. Main Street	  	Uvalde	  	TX	  	78801-4947
	587	  	1645 Pat Booker Road, Suite 115	  	Universal City	  	TX	  	78148-3400
	588	  	810 E. Veterans Blvd, Suite F	  	Palmview	  	TX	  	78572-5019
	589	  	3552 Sherwood Way	  	San Angelo	  	TX	  	76901-3533
	590	  	7097 N Expressway 77, Suite 4	  	Olmito	  	TX	  	78575-9808
	591	  	3482 Catclaw Drive	  	Abilene	  	TX	  	79606-8224
	592	  	1909 Texoma Parkway, Suite G	  	Sherman	  	TX	  	75090-2668
	593	  	3301 E. Rancier Avenue, Suite 103G	  	Killeen	  	TX	  	76543-7855
	594	  	601 Sunset Street	  	Denton	  	TX	  	76201-2665
	595	  	1812 Santa Fe Drive, Suite D	  	Weatherford	  	TX	  	76086-6429
	596	  	2708 Southwest Parkway, Suite 114	  	Wichita Falls	  	TX	  	76308-3727
	597	  	386 Landa Street, Suite B	  	New Braunfels	  	TX	  	78130-5401
	598	  	120 FM 2821 Road W, Suite C	  	Huntsville	  	TX	  	77320-8414
	601	  	473 Hendersonville Road, Suite A	  	Asheville	  	NC	  	28803-2892
	602	  	2367 Hwy 70 SE	  	Hickory	  	NC	  	28602-8300
	650	  	2568 West Franklin Blvd.	  	Gastonia	  	NC	  	28052-1250
	651	  	7309 E. Independence Blvd., Suite 24	  	Charlotte	  	NC	  	28227-9439
	652	  	230 Signal Hill Drive	  	Statesville	  	NC	  	28625-4327
	653	  	3733 B Farmington Drive	  	Greensboro	  	NC	  	27407-6246
	654	  	2108 N. Centennial Street, Suite 114	  	High Point	  	NC	  	27262-7742
	655	  	3193-D Peters Creek Parkway	  	Winston-Salem	  	NC	  	27127-4710
	656	  	811 S. Jake Alexander Blvd.	  	Salisbury	  	NC	  	28147-9058
	657	  	9601 N Tryon Street, Suite H	  	Charlotte	  	NC	  	28262-8460
	658	  	3306 Highway 74 West, Unit D	  	Monroe	  	NC	  	28110-8695
	659	  	6407 South Blvd., Suite J	  	Charlotte	  	NC	  	28217-4401
	660	  	638 Spartanburg Highway, Suite 30	  	Hendersonville	  	NC	  	28792-5921
	661	  	2140 S. Church Street	  	Burlington	  	NC	  	27215-5328
	662	  	704-C E. Broad Avenue	  	Rockingham	  	NC	  	28379-4343
	663	  	1337 C East Dixie Drive	  	Asheboro	  	NC	  	27203-8889
	664	  	3379 Cloverleaf Parkway	  	Kannapolis	  	NC	  	28083-6991
	665	  	808 East Franklin Blvd.	  	Gastonia	  	NC	  	28054-4241
	667	  	2403 Battleground Avenue, Suite 10	  	Greensboro	  	NC	  	27408-4035
	668	  	420 Eastwood Road, Suite 101	  	Wilmington	  	NC	  	28403-1866
	669	  	4011 Capital Blvd., Suite 123	  	Raleigh	  	NC	  	27604-3486
	670	  	5410 NC Highway 55, Suite R	  	Durham	  	NC	  	27713-7802
	671	  	4964 Martin View Lane	  	Winston-Salem	  	NC	  	27104-5066
	672	  	1111 Ireland Drive, Suite 102	  	Fayetteville	  	NC	  	28304-3329
	673	  	588 Bailey Road, Suite E	  	Lumberton	  	NC	  	28358-2470
	674	  	3250 Wilkinson Blvd, Suite H	  	Charlotte	  	NC	  	28208-5667

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	675	  	1330 Fifth Avenue, Suite 250	  	Garner	  	NC	  	27529-3638
	676	  	2630 S. Main Street, Suite 103	  	High Point	  	NC	  	27263-1941
	677	  	12265 Capital Boulevard	  	Wake Forest	  	NC	  	27587-6200
	678	  	4731 Ramsey Street	  	Fayetteville	  	NC	  	28311-1614
	679	  	260 Summit Square Blvd, Unit A6	  	Winston-Salem	  	NC	  	27105-1461
	680	  	2316 S. 17th Street, Suite 120	  	Wilmington	  	NC	  	28401-7913
	681	  	1331 Mebane Oaks Road	  	Mebane	  	NC	  	27302-9681
	682	  	5539 W. Market Street	  	Greensboro	  	NC	  	27409-2525
	683	  	3607 Matthews Mint Hill Road, Suite 10	  	Matthews	  	NC	  	28105-4146
	684	  	460 Moye Blvd, Suite 103	  	Greenville	  	NC	  	27834-2886
	701	  	7118 Maynardville Highway	  	Knoxville	  	TN	  	37918-5738
	702	  	3014 Bristol Highway, Suite 3	  	Johnson City	  	TN	  	37601-1512
	703	  	421 West Stone Drive, Suite 3	  	Kingsport	  	TN	  	37660-3270
	704	  	1135 Volunteer Parkway, Suite 1	  	Bristol	  	TN	  	37620-4658
	705	  	5716 Ringgold Road, Unit 106	  	Chattanooga	  	TN	  	37412-3597
	706	  	891 Keith Street NW, Suite 6	  	Cleveland	  	TN	  	37311-1879
	707	  	126 The Crossings	  	Crossville	  	TN	  	38555-8754
	708	  	1645 Downtown West Blvd., Unit 11	  	Knoxville	  	TN	  	37919-5411
	709	  	516 S. Willow Avenue	  	Cookeville	  	TN	  	38501-3727
	710	  	1631 E. Andrew Johnson Highway	  	Morristown	  	TN	  	37814-5401
	711	  	1636 Memorial Blvd.	  	Murfreesboro	  	TN	  	37129-2104
	712	  	224 West Main Street, Suite D	  	Lebanon	  	TN	  	37087-2680
	713	  	136 Bear Creek Pike, Suite E	  	Columbia	  	TN	  	38401-2484
	714	  	2565 East Andrew Johnson Hwy.	  	Greeneville	  	TN	  	37745-0951
	715	  	319 Vann Drive, Suite B	  	Jackson	  	TN	  	38305-6032
	716	  	2021 Gallatin Pike North, Suite 240	  	Madison	  	TN	  	37115-2029
	717	  	200 Able Drive, Suite 16	  	Dayton	  	TN	  	37321-6034
	718	  	121 Henslee Drive, Suite H	  	Dickson	  	TN	  	37055-2076
	719	  	1321 Bell Road	  	Antioch	  	TN	  	37013-3730
	720	  	371 West Church Street	  	Lexington	  	TN	  	38351-2096
	721	  	7444 Winchester Road, Suite 104	  	Memphis	  	TN	  	38125-2206
	801	  	449 George Wallace Drive	  	Gadsden	  	AL	  	35903-2282
	802	  	2699 Sandlin Rd. SW, Suite B-2	  	Decatur	  	AL	  	35601-7343
	803	  	4925 University Drive, Suite 110	  	Huntsville	  	AL	  	35816-1849
	804	  	2801 Mall Road, Suite 9	  	Florence	  	AL	  	35630-1676
	805	  	8144 U.S. Highway 431	  	Albertville	  	AL	  	35950-1135
	806	  	1225 Snow Street, Suite 4	  	Oxford	  	AL	  	36203-1964
	807	  	1710 2nd Avenue SW, Suite 5	  	Cullman	  	AL	  	35055-5337
	808	  	3659 Lorna Road, Suite 125	  	Hoover	  	AL	  	35216-5958
	809	  	2001 Skyland Blvd. East, Suite C-1	  	Tuscaloosa	  	AL	  	35405-1545
	810	  	1930 Edwards Lake Road, Suite 120	  	Birmingham	  	AL	  	35235-3719
	811	  	246 Interstate Commercial Park Loop	  	Prattville	  	AL	  	36066-7361

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	812	  	3074 Ross Clark Circle, Suite 8	  	Dothan	  	AL	  	36301-1194
	813	  	2140 East University Drive, Suite E	  	Auburn	  	AL	  	36830-1853
	814	  	6144 Atlanta Highway	  	Montgomery	  	AL	  	36117-2800
	815	  	3304 US Highway 80 West, Suite E	  	Phenix City	  	AL	  	36870-6405
	816	  	220 Town Mart	  	Clanton	  	AL	  	35045-3784
	817	  	792 Commerce Drive, Suite 101	  	Alexander City	  	AL	  	35010-4213
	818	  	5238 US Highway 90 West, Suite D	  	Mobile	  	AL	  	36619-4220
	819	  	5031 Ford Parkway, Suite 104	  	Bessemer	  	AL	  	35022-5284
	820	  	6345 Airport Boulevard, Suite G	  	Mobile	  	AL	  	36608-3127
	821	  	1237 Highway 231 South	  	Troy	  	AL	  	36081-3054
	822	  	631 Willow Lane, Suite K	  	Greenville	  	AL	  	36037-8028
	823	  	1605 S. Broad Street	  	Scottsboro	  	AL	  	35768-2610
	824	  	458 1st Street SW	  	Alabaster	  	AL	  	35007-9703
	825	  	4405 N. College Avenue, Suite C	  	Jackson	  	AL	  	36545-2045
	826	  	1123 N. McKenzie Street	  	Foley	  	AL	  	36535-3550
	827	  	1209 N. Main Avenue	  	Sylacauga	  	AL	  	35150-1648
	828	  	33208 Highway 43, Suite A	  	Thomasville	  	AL	  	36784-1631
	829	  	906 McMeans Avenue, Suite B	  	Bay Minette	  	AL	  	36507-3308
	830	  	306 Palisades Boulevard, Suite 4	  	Homewood	  	AL	  	35209-5148
	831	  	632 Boll Weevil Circle	  	Enterprise	  	AL	  	36330-2734
	870	  	1310 Quintard Avenue	  	Anniston	  	AL	  	36201-4620
	871	  	959 Gilbert Ferry Road, SE, Suite M	  	Attalla	  	AL	  	35954-3335
	872	  	3186 Alabama Highway 157	  	Cullman	  	AL	  	35058-0686
	873	  	841 Odum Road, Suite 105	  	Gardendale	  	AL	  	35071-4112
	875	  	1811 Highway 78 East, Suite 110	  	Jasper	  	AL	  	35501-4081
	876	  	2206 Village Drive	  	Moody	  	AL	  	35004-3241
	877	  	1986 US Highway 78 East	  	Oxford	  	AL	  	36203-2020
	881	  	583 Brindlee Mountain Parkway	  	Arab	  	AL	  	35016-1054
	882	  	920 Highway 72 E	  	Athens	  	AL	  	35611-4318
	883	  	981 US Highway 431 South	  	Boaz	  	AL	  	35957-1749
	885	  	2314 6th Avenue SE, Suite B	  	Decatur	  	AL	  	35601-6565
	886	  	2415 Rosedale Street, Suite C	  	Muscle Shoals	  	AL	  	35661-6427
	887	  	2308 Gault Avenue North	  	Fort Payne	  	AL	  	35967-3644
	888	  	587 Highway 31 NW, Suite A	  	Hartselle	  	AL	  	35640-4470
	889	  	700 Airport Road, Suite E	  	Huntsville	  	AL	  	35802-4360
	890	  	800 Highway 78 East, Suite 300	  	Jasper	  	AL	  	35501-3912
	891	  	80 McFarland Blvd., Suite 2	  	Northport	  	AL	  	35476-3332
	893	  	305 E. Battle Street, Suite A	  	Talladega	  	AL	  	35160-2421
	894	  	2401 Stemley Bridge Road, Suite 13	  	Pell City	  	AL	  	35128-2393
	901	  	7141 S. Western Avenue, Suite C	  	Oklahoma City	  	OK	  	73139-2000
	902	  	2108 A W. Lindsey Street	  	Norman	  	OK	  	73069-4108
	903	  	6221 N. Meridian Avenue	  	Oklahoma City	  	OK	  	73112-1249

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	904	  	1300 West Vandament Avenue, Suite 2301	  	Yukon	  	OK	  	73099-4575
	905	  	1510 N. Kickapoo Avenue, Suite 1	  	Shawnee	  	OK	  	74804-4331
	906	  	7505 SE 15th Street	  	Midwest City	  	OK	  	73110
	907	  	1915 W. Gore Boulevard, Suite 3	  	Lawton	  	OK	  	73501-3661
	908	  	1208 North York Street, Suite B	  	Muskogee	  	OK	  	74403-2562
	909	  	3202 S. Memorial Drive, Suite 7A	  	Tulsa	  	OK	  	74145-1322
	910	  	1231 SE Frank Phillips Boulevard	  	Bartlesville	  	OK	  	74003-4321
	911	  	806 S. Aspen Avenue, Suite B	  	Broken Arrow	  	OK	  	74012-4884
	912	  	305 W. Taft Road	  	Sapulpa	  	OK	  	74066-5436
	913	  	1942 S. Highway 66	  	Claremore	  	OK	  	74019-4371
	914	  	1500 Hoppe Boulevard, Suite 6	  	Ada	  	OK	  	74820-2309
	915	  	120 N. 5th Street	  	Chickasha	  	OK	  	73018-2406
	916	  	302 W. Edmond Road	  	Edmond	  	OK	  	73003-5600
	917	  	1212 Merrick Drive, Suite 5	  	Ardmore	  	OK	  	73401-1824
	918	  	2329 W. Willow Road	  	Enid	  	OK	  	73703-2433
	919	  	639 NW 7th Street	  	Moore	  	OK	  	73160-3803
	920	  	701 N Main Street	  	Stillwater	  	OK	  	74075-5410
	921	  	200 E. Choctaw Avenue	  	McAlester	  	OK	  	74501-5026
	922	  	111 S. Main Street	  	Miami	  	OK	  	74354-7024
	923	  	3040 S. Muskogee Avenue, Suite 101	  	Tahlequah	  	OK	  	74464-5485
	924	  	2135 NW 23rd Street	  	Oklahoma City	  	OK	  	73107
	925	  	512 Plaza Court	  	Sand Springs	  	OK	  	74063
	926	  	2501 N. 14th Street	  	Ponca City	  	OK	  	74601-1734
	927	  	1519 N Highway 81	  	Duncan	  	OK	  	73533-1407
	928	  	6961 S. Lewis Avenue	  	Tulsa	  	OK	  	74136-3914
	1001	  	2300 North Main Street, Suite 205	  	Las Cruces	  	NM	  	88001-1117
	1002	  	1215 Anthony Drive, Suite G	  	Anthony	  	NM	  	88021-9371
	1003	  	5504 Menaul Boulevard NE, Suite G-East	  	Albuquerque	  	NM	  	87110-3184
	1004	  	3301 Coors Blvd. NW, Suite 16	  	Albuquerque	  	NM	  	87120-1418
	1005	  	1001 Golf Course Road SE, Suite 103	  	Rio Rancho	  	NM	  	87124-2575
	1006	  	200 1st Street, Suite C	  	Alamogordo	  	NM	  	88310-6517
	1007	  	3000 E. 20th Street, Suite B	  	Farmington	  	NM	  	87402-5350
	1008	  	2404 Cerrillos Road	  	Santa Fe	  	NM	  	87505-3392
	1009	  	1698 Rio Bravo Blvd SW, Suite C	  	Albuquerque	  	NM	  	87105-6000
	1010	  	2013 N. Prince Street	  	Clovis	  	NM	  	88101-4858
	1011	  	101 W Broadway St	  	Hobbs	  	NM	  	88240-6001
	1012	  	107 E 5th Street	  	Roswell	  	NM	  	88201-6205
	1013	  	1331 Juan Tabo Blvd NE, Suite 2C	  	Albuquerque	  	NM	  	87112-4463
	1014	  	1405 S. Valley Drive, Suite 700	  	Las Cruces	  	NM	  	88005-3132
	1015	  	601 Main Street SE, Suite 23A	  	Los Lunas	  	NM	  	87031-4309
	1016	  	527 N. Riverside Drive, Suite F	  	Espanola	  	NM	  	87532-3382
	1017	  	1900 E Historic Highway 66, Suite E	  	Gallup	  	NM	  	87301-4883

									
	 Branch #
	  	 Street Address
	  	 City
	  	 State
	  	Zip
	1018	  	2514 7th Street, Suite E	  	Las Vegas	  	NM	  	87701-4988
	1101	  	6409 Abercorn Street, Suite A	  	Savannah	  	GA	  	31405-5796
	1102	  	3421-6 Cypress Mill Road	  	Brunswick	  	GA	  	31520-2876
	1103	  	2768 Cumberland Blvd SE	  	Smyrna	  	GA	  	30080-3048
	1104	  	3412 Wrightsboro Rd, Suite 902	  	Augusta	  	GA	  	30909-1099
	1105	  	1200 Ernest W Barrett Pkwy NW Suite 216	  	Kennesaw	  	GA	  	30144-4513
	1106	  	690 Hwy 29 N, Suite 135	  	Athens	  	GA	  	30601-1545
	1107	  	322 Oak Street, Suite 4	  	Gainesville	  	GA	  	30501-3580
	1108	  	860 Duluth Hwy, Suite 1520	  	Lawrenceville	  	GA	  	30043-5374
	1201	  	3260 Electric Road, Suite 501	  	Roanoke	  	VA	  	24018-6400
	1202	  	165 Holt Garrison Pkwy, Unit 560B	  	Danville	  	VA	  	24540-5949
	1203	  	3920 Wards Road, Suite E	  	Lynchburg	  	VA	  	24502-3569
	1204	  	4511 John Tyler Hwy, Suite A	  	Williamsburg	  	VA	  	23185-2415
	1205	  	614 Albemarle Square	  	Charlottesville	  	VA	  	22901-7406
	1206	  	5694 Brook Road	  	Richmond	  	VA	  	23227-2274
	1207	  	65 Conston Avenue	  	Christiansburg	  	VA	  	24073-1164
	1208	  	340 Town Center Drive	  	Abingdon	  	VA	  	24210-3248

 SCHEDULE 7.6 

GAAP EXCEPTIONS 
 None. 

 SCHEDULE 7.9 

PERMITTED LIENS 
 None. 

 SCHEDULE 7.10 

LICENSES 
 None. 

 SCHEDULE 7.13 

COMPLIANCE WITH LAWS 
 None. 

 SCHEDULE 7.16 

SUBSIDIARIES 
 Each of the
entities listed below is a direct or indirect wholly owned subsidiary of Regional Management Corp. 
 Regional Finance Corporation of Alabama 

Regional Finance Corporation of Georgia 
 Regional Finance
Corporation of North Carolina 
 Regional Finance Corporation of South Carolina 

Regional Finance Corporation of Tennessee 
 Regional Finance
Corporation of Texas 
 Regional Finance Company of Oklahoma, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of New Mexico, LLC (wholly-owned by Regional Finance Corporation of South Carolina) 

Regional Finance Company of Missouri, LLC 
 Regional Finance
Company of Louisiana, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 
 Regional Finance Company of Mississippi, LLC (wholly-owned by
Regional Finance Corporation of North Carolina) 
 RMC Financial Services of Florida, LLC (wholly-owned by Regional Finance Corporation of North Carolina)

 Regional Finance Company of Georgia, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of Kentucky, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Regional Finance Company of Virginia, LLC (wholly-owned by Regional Finance Corporation of North Carolina) 

Upstate Motor Company 
 Credit Recovery Associates, Inc. 

RMC Reinsurance, LTD 
 Regional Management Receivables, LLC 

 SCHEDULE 7.19 

BANK ACCOUNTS 
  

													
	 Bank Name
	  	Account
Number	  	City	  	State	  	Purpose	  	 Company Name
	  	Sweep
Account
	Arvest Bank	  	XXXXXXXXX	  	Bartlesville	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	BancFirst	  	XXXXXXXXX	  	Ardmore	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	BB & T	  	XXXXXXXXX	  	Brunswick	  	GA	  	Depository	  	Regional Finance Company of Georgia, LLC	  	
	BB & T	  	XXXXXXXXX	  	Winston Salem	  	NC	  	Depository	  	Regional Management Corp.	  	
	BB & T	  	XXXXXXXXX	  	Winston Salem	  	NC	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	BB & T	  	XXXXXXXXX	  	Winston Salem	  	NC	  	Depository	  	Regional Finance Corporation of North Carolina	  	
	Compass Bank	  	XXXXXXXXX	  	Birmingham	  	AL	  	Depository	  	Regional Finance Corporation of Texas	  	
	First Bank	  	XXXXXXXXX	  	Dickson	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	First Bank NC, SC, VA	  	XXXXXXXXX	  	Rockingham	  	NC	  	Depository	  	Regional Finance Corporation of North Carolina	  	
	First Bank NC, SC, VA	  	XXXXXXXXX	  	Abingdon	  	VA	  	Depository	  	Regional Finance Corporation of North Carolina	  	
	First Citizens	  	XXXXXXXXX	  	Columbia	  	SC	  	Depository	  	Regional Finance Corporation of South Carolina	  	
	FNB Community Bank	  	XXXXXXXXX	  	Midwest City	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	First National Bank	  	XXXXXXXXX	  	Talladega	  	AL	  	Depository	  	Regional Finance Corporation of Alabama	  	
	First National Bank of TN	  	XXXXXXXXX	  	Livingston	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	First National Bank of TX	  	XXXXXXXXX	  	Killeen	  	TX	  	Depository	  	Regional Finance Corporation of Texas	  	
	First Tennessee Bank	  	XXXXXXXXX	  	Memphis	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	International Bank and Commerce	  	XXXXXXXXX	  	Laredo	  	TX	  	Depository	  	Regional Finance Corporation of Texas	  	
	Liberty Savings and Loan	  	XXXXXXXXX	  	Enid	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	Merchants Bank	  	XXXXXXXXX	  	Jackson	  	AL	  	Depository	  	Regional Finance Corporation of Alabama	  	
	NBSC	  	XXXXXXXXX	  	Columbus	  	GA	  	Depository	  	Regional Finance Corporation of South Carolina	  	
	RCB Bank	  	XXXXXXXXX	  	Ponca City	  	OK	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	
	Southside	  	XXXXXXXXX	  	Tyler	  	TX	  	Depository	  	Regional Finance Corporation of Texas	  	
	US Bank	  	XXXXXXXXX	  	Columbia	  	TN	  	Depository	  	Regional Finance Corporation of Tennessee	  	
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Reinsurance	  	RMC Reinsurance, Ltd.	  	
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Payroll	  	Regional Management Corp.	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	OK Checking	  	Regional Management Corp.	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Master Depository	  	Regional Management Corp.	  	
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Master Funding	  	Regional Management Corp.	  	

													
	 Bank Name
	  	Account
Number	  	City	  	State	  	Purpose	  	 Company Name
	  	Sweep
Account
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of South Carolina	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of Texas	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Corporation of Texas	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Company of Oklahoma, LLC	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Depository	  	Regional Finance Company of New Mexico, LLC	  	Sweep
	Bank Of America	  	XXXXXXXXX	  	Charlotte	  	NC	  	Accounts Payable	  	Regional Finance Company of New Mexico, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Tax Payments and
Other ACH Debits	  	Regional Management Corp.	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Master Funding	  	Regional Management Corp.	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Insurance refunds	  	Regional Management Corp.	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Depository	  	Regional Finance Corporation of Alabama	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	GA Depository	  	Regional Finance Company of Georgia, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NC Depository	  	Regional Finance Corporation of North Carolina	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NM Depository	  	Regional Finance Company of New Mexico, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TN Depository	  	Regional Finance Corporation of Tennessee	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	SC Depository	  	Regional Finance Corporation of South Carolina	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TX Depository	  	Regional Finance Corporation of Texas	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	GA Checking	  	Regional Finance Company of Georgia, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	SC Checking	  	Regional Finance Corporation of South Carolina	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TX Checking	  	Regional Finance Corporation of Texas	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NC Checking	  	Regional Finance Corporation of North Carolina	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NC Checking	  	Regional Finance Corporation of North Carolina	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TN Checking	  	Regional Finance Corporation of Tennessee	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Checking	  	Regional Finance Corporation of Alabama	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Corporate AP	  	Regional Management Corp.	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TN Loan Solicitation	  	Regional Finance Corporation of Tennessee	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NC Loan Solicitation	  	Regional Finance Corporation of North Carolina	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	SC Loan Solicitation	  	Regional Finance Corporation of South Carolina	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	TX Loan Solicitation	  	Regional Finance Corporation of Texas	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	GA Loan Solicitation	  	Regional Finance Company of Georgia, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NM Checking	  	Regional Finance Company of New Mexico, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	CRA Depository	  	Credit Recovery Associates, Inc.	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	NM Loan Solicitation	  	Regional Finance Company of New Mexico, LLC	  	Sweep

													
	 Bank Name
	  	Account
Number	  	City	  	State	  	Purpose	  	 Company Name
	  	Sweep
Account
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	OK Loan Solicitation	  	Regional Finance Company of Oklahoma, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	AL Loan Solicitation	  	Regional Finance Corporation of Alabama	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Checking	  	Regional Finance Company of Virginia, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Depository	  	Regional Finance Company of Virginia, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Loan Solicitation	  	Regional Finance Company of Virginia, LLC	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	VA Licensing	  	Regional Finance Company of Virginia, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Insurance ACH Credits	  	Regional Management Corp.	  	Sweep
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Depository	  	RMC Reinsurance, Ltd.	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Licensing Purposes	  	Credit Recovery Associates, Inc.	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Licensing Purposes	  	Regional Finance Company of New Mexico, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Licensing Purposes	  	Regional Finance Company of Missouri, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Licensing Purposes	  	Regional Finance Company of Georgia, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Greenville	  	SC	  	Depository	  	Regional Management Receivables, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Minneapolis	  	MN	  	Collection	  	Regional Management Receivables, LLC	  	
	Wells Fargo	  	XXXXXXXXX	  	Minneapolis	  	MN	  	Reserve	  	Regional Management Receivables, LLC	  	

 SCHEDULE 8.3 

GUARANTIES 
 None. 

 SCHEDULE 8.6 

DEBT 
 None.Exhibit 10.1

 

 

 

Sales, Marketing, Distribution,
and Supply Agreement {***}

 

WHEREAS HEMISPHERX is a biopharmaceutical company with headquarters
at One Penn Center, 1617 JFK Boulevard, Suite 500, Philadelphia, PA 19103, U.S. ("HEMISPHERX") and Scientific
Products Pharmaceutical Co. LTD is a pharmaceutical company with its primary offices located at Tahlia Street, P.O Box 10485, Riyadh
11433 Saudi Arabia (" SCIEN”), each a “Party” together, “Parties”, and

 

WHEREAS HEMISPHERX owns intellectual proprietary rights relating
to Interferon alfa-n3 (human leukocyte derived), and

 

WHEREAS HEMISPHERX desires to have Interferon alfa-n3 (human leukocyte
derived) provided to physicians to treat genital warts and other infections and diseases, including MERS, in the GCC (Gulf Cooperation
Council) states , as appropriate, prior to regulatory approval in such countries and to have Interferon alfa-n3 (human leukocyte
derived) approved by the regulatory authorities in each GCC country (Kingdom of Saudi Arabia, Bahrain, Qatar, Kuwait, United Arab
emirates (UAE) and Sultanate of Oman)), and

 

WHEREAS SCIEN has sales, marketing, distribution capabilities in
the GCC states, and

 

WHEREAS, AFTER A SUCCESSFUL CLINICAL TRIAL IN MERS, SCIEN affirms
it has the ability to supply Interferon alfa-n3 (human leukocyte derived) in the GCC States prior to regulatory approval and simultaneously
seek to gain regulatory approval in each of the GCC States. After the clinical trial in MERS has been conducted, in the event it
is successful and the Hemispherx manufacturing site requires approved by the GCC / SFDA, the cost of any post-clinical trial inspection
of the facility to be the responsibility of Scien or the regulatory authority, and subsequently to market, sell and distribute
Interferon alfa-n3 (human leukocyte derived) in the GCC, and

 

WHEREAS, SCIEN desires to supply Interferon alfa-n3 (human leukocyte
derived) under special approval from the Saudi Ministry of Health and for other GCC states where applicable, and

 

WHEREAS, HEMISPHERX desires to supply and sell Interferon alfa-n3
(human leukocyte derived)) to SCIEN, and SCIEN is willing to purchase Interferon alfa-n3 (human leukocyte derived) from HEMISPHERX
for the purposes described in this agreement.

 

NOW THEREFORE, in consideration of the mutual covenants and agreements
made herein, and for other good and valuable consideration, the receipt of which is hereby acknowledged, the Parties agree as follows:

 

I.           DEFINITIONS

 

"Affiliate" means any corporation or other business entity,
which controls, is controlled by, or is under the common control of a Party.

 

"End User" means a physician, medical facility or institution,
or government agency that purchases Product with the intent of administering it to a patient.

 

"Field" means refractory/recurrent genital warts, recombinant
interferon refractory patients and patients with other infectious diseases, e.g., MERS, influenza, West Nile Virus, and cancer,
etc.

 

"HEMISPHERX Intellectual Property" means all HEMISPHERX
patents, patent applications, know-how, and trademarks owned or controlled by HEMISPHERX up to the termination or expiration of
this Agreement.

 

“List Price” means ${***}/Product Unit.

 

“Product” means an injectable formulation of clinical
grade Interferon alfa-n3 (human leukocyte derived).

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 1 of 28

     

    

  

"Product Data" means all data possessed by HEMISPHERX
relating to the use of Interferon alfa-n3 (human leukocyte derived) to treat patients in the Field and which is needed to obtain
regulatory approval in the Territory.

 

"Product Unit" means 1 x1ml vial containing 5 million
international units (I.U.) of Interferon alfa-n3 (human leukocyte derived)

 

"Sales Price" means the price SCIEN and/or its Affiliates
charge an End User for a Product Unit.

 

"Territory" means the GCC States

 

“Transfer Price” means
a discounted price of ${***}/ Product Unit. 

 

		II.	LICENSE

 

CONDITION PRECEDENT: THE GRANTING OF ANY AND ALL LICENSES OR
PRIVILEGES HEREIN IS SUBJECT THE THE SUCCESSFUL COMPLETION OF A FIVE PERSON MINIMUM CLINICAL TRIAL IN THE KINGDOM OF SAUDI ARABIA
TREATING EARLY ONSET PATIENTS INFECTED WITH MERS.

 

A.           Subject
to the condition above, HEMISPHERX hereby grants SCIEN the exclusive license to sell, market, and distribute Product for use
in the Field in the Territory for Direct Access/EAP and Regulatory Agency-Approved (RAA) purposes.

 

B.           SCIEN
shall not use HEMISPHERX Intellectual Property nor sell nor permit the sale of any products that use the HEMISPHERX Intellectual
Property outside the Territory or knowingly sell or have sold any products that use the HEMISPHERX Intellectual Property to any
party in or outside the Territory for export or sale outside the Territory, without HEMISPHERX's prior written consent.

 

C.           SCIEN
will have six 6) months after the date of this Agreement to Purchase at least 50 vials to be used by the MOH in treating patients
with MERS. Scien will thereafter, based on the outcome of the initial treatment for MERS by the MOH trial, aggressively promote
to all stakeholders in Saudi Arabia and the other GCC states(“First Performance Milestone”).

  

		III.	COMMERCIAL DEVELOPMENT

 

		A.	HEMISPHERX has or will provide SCIEN:

 

1.          As
an Integral Part of this Agreement and in order for HEMISPHERX to ship Product to SCIEN, the letter with attachments (Exhibit
1) must be signed by an officer of SCIEN. A protocol is also provided (Exhibit 2).

 

2.          All
the appropriate information about Products that will assist with the education of physicians about the Product in the Territory.

 

3.          Ongoing
scientific and medical support.

 

4.          Product
Units in quantities sufficient for SCIEN's Direct Access/EAP and RAA commercial needs in the Territory, subject to availability
from HEMISPHERX.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 2 of 28

     

    

  

		B.	SCIEN will:

 

1.          Within 60 days after this Agreement becomes effective,
prepare and provide a Business Plan, to be attached to this Agreement as Exhibit 3, to make aware and educate physicians and patients
about Product both prior to and following approval of Product.

 

2.          Assist
in determining reimbursable End User pricing of Product and gain reimbursement for Product under Direct Access/EAP program and
RAA sales of the Product in the Territory.

 

3.          Assist
physicians who desire to administer Product with the required paperwork under any Direct Access/EAP program.

 

4.          Manage
the logistics within the Territory from arrival to End User supply.

 

6.          Assist
HEMISPHERX to gain regulatory approval of Product in the Field in the Territory

 

7.          Prepare
and provide a 3-year post regulatory approval Sales, Marketing, and Distribution Plan including a 3-year minimum sale forecast
and a committed-dollar field sales force, product manager and marketing budget to be agreed by both Parties and a non-binding 12
month Product forecast no later than six (6) months prior to the anticipated registration and subsequent launch date for each Product,
also to be agreed by both parties,

 

8.          Pay
for all the above Sales Marketing and Distribution activities and related expenses.

 

9.          Hold
3 months inventory of the forecasted sales once the product is registered.

 

10.         If
needed, assist in recruiting clinical trial sites and principal investigators in the Field in the Territory.

 

11.         Provide
HEMISPHERX a monthly written report of SCIEN's efforts and status thereof under this Agreement.

 

		IV.	SUPPLY

 

		A.	Subject to the terms and conditions of this Agreement,
HEMISPHERX agrees to exclusively supply Product to SCIEN in the Territory with a minimum expiry of 6 months from the date of shipment.

 

		B.	The price that SCIEN will pay for Product under this Agreement
is the Transfer Price, CIF. Taxes, duties, and other expenses to be paid by SCIEN.

 

		C.	SCIEN shall pay HEMISPHERX for each order of Product within
75 days after receipt of the goods except for the for first purchase order which will be for 50 vials of Interferon alfa-n3 (human
leukocyte derived) (“First Order”) and paid once the MOH approves the use for Interferon alfa-n3 (human leukocyte
derived) on 5 MERS patients. All purchase orders are final.

 

		D.	SCIEN will ensure all necessary QA testing / approval for
use occurs in the Territory and that each Product is stored under the conditions stipulated in a Quality Agreement (QA) to be
executed and appended to this Agreement as Exhibit 4.

 

		E.	Forecasts, Orders, Payment, and Delivery.

 

Direct Access/EAP Distribution

 

Following the signing of this Agreement, SCIEN will start a full
and comprehensive market analysis of the potential of each Product for Direct Access/ EAP distribution. This will be from a market
potential and willingness to pay point of view and will be completed within 3 months of the signature of this Agreement. A forecast
will then be provided for Product for Direct Access/ EAP distribution and this will be added as a supplement to the Business Plan
(Exhibit 3).

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 3 of 28

     

    

  

RAA Distribution 

 

Six (6) months prior to the estimated regulatory approval for commercial
sale of Product in each country in the Territory:

 

1.            SCIEN will provide HEMISPHERX a rolling
12-month forecast of the estimated sales of Product Units, the first 3 months of which will be firm and the second three (3) months
of which cannot vary by more than 25% when these become the first three (3) months. This forecast will be updated at 3-month intervals
thereafter.

 

2.            In accordance with this forecast, SCIEN
agrees to order Product from HEMISPHERX under this Agreement by submitting to HEMISPHERX written purchase orders specifying the
quantity, packaging, delivery dates, and delivery location.

 

3.            HEMISPHERX shall manufacture Product as
described in the purchase order from SCIEN and HEMISPHERX shall make all shipments to the location specified on SCIEN's purchase
order as follows:

 

4.            Hemispherx shall pack, mark and ship Products
in accordance with temperature thermometer specifications for the drug product. Hemispherx shall package Products so as to prevent
damage or deterioration and shall comply with all applicable temperature and packaging laws. Unless otherwise stipulated, Products
shall be packaged, marked, crated and otherwise prepared in accordance with HEMISPHERX's current packaging and crating practices,
and good commercial practices.

 

5.            SCIEN will prominently display on all Product
that the Product is a product of HEMISPHERX and be so noted and on a visible surface thereof and/or on tags, labels, manuals, and
other materials with which Product is sold, the fact that the Product is manufactured and supplied to SCIEN by HEMISPHERX for use
and/or sale in the Territory shall be clearly displayed.

 

		F.	If, for any reason, at any time, HEMISPHERX shall be unable,
or should reasonably anticipate being unable to deliver any part or all of the ordered Product in accordance with the terms hereof
or the accompanying purchase order, HEMISPHERX shall notify SCIEN of such inability at the earliest possible time (but no later
than five (5) workings after HEMISPHERX becomes aware of this their inability to supply Product, whereupon HEMISPHERX and SCIEN
will devise a plan to manage the situation.

 

		G.	HEMISPHERX warrants that the Product (i) shall conform to the specifications set out in the SCIEN purchase order for Product
and (ii) shall meet all, if any, reasonably applicable regulatory requirements in the Territory once Product is approved. In the
Direct Access/ EAP setting, the Product that HEMISPHERX supplies must confirm with all manufacturing and regulatory requirements
(including labelling) for the country in which said Product is intended to be sold. SCIEN's acceptance of the Product shall relieve
HEMISPHERX from the obligations arising from this warranty

 

		H.	SCIEN shall have the right to return and demand replacement of any Product which violates this warranty.

 

		I.	HEMISPHERX and/or SCIEN shall have the right to cancel, without further obligation to the other party, one or more orders for
Product(s) if HEMISPHERX's or SCIEN's business is interrupted because of an event of force majeure beyond the control of HEMISPHERX
or SCIEN.

 

		J.	HEMISPHERX shall permit SCIEN or its agent, at SCIENs' expense, to conduct periodic audits of HEMISPHERX's Quality System and
Manufacturing records relating to HEMISPHERX's performance under this Agreement. The audits shall be conducted upon reasonable
advance notice during regular business hours at HEMISPHERX's principal office and in such a manner as not to unduly interfere with
HEMISPHERX's operations.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 4 of 28

     

    

  

		K.	SCIEN will provide HEMISPHERX with copies of Product specification sheets, Product inserts, user manuals, user bulletins, and
user Product updates and any other customer materials such as brochures, educational materials, web pages or other electronic information
relating to SCIEN's efforts to sell, market and distribute Product under this Agreement at least 10 (ten) days prior to the public
release or use of such information.

 

		V.	REPORTS AND PAYMENTS

 

		A.	Within 30 days following the end of each calendar quarter after execution of the Agreement, SCIEN will provide HEMISPHERX with
quarterly reports on the number of Product Units sold and the Sales Price during the preceding three months, key market place issues
and successes, regulatory and reimbursement subjects and revisions to the sales and marketing plans.

 

		B.	Product (s) will be considered sold by SCIEN on the date it is shipped or invoiced to an End User, whichever is earlier. All
shipping, taxes, duties and other expenses in the Territory is the responsibility of SCIEN.

 

		C.	Price Increase: Beginning on the second year anniversary
of the signing of this Agreement (“Effective Date”) and on each succeeding anniversary of the Effective Date during
the term of this agreement and in consideration of a varies of economic factors such as for example, costs of labour, costs of
material and costs the price paid by SCIEN for Product(s) shall be renegotiated. Any price increase will need to be justified
by HEMISPHERX. Both parties shall, in good faith, attempt to agree upon a reasonable price increase. In the event agreement cannot
be reached the Agreement shall terminate.

 

		D.	All payments hereunder will be made by SCIEN in United States Dollars by wire transfer of immediately available funds to an
account designated by HEMISPHERX. The following is wire transfer information:

 

Domestic (U.S.):

{***}

International:

{***}

 

		VI.	TERM/TERMINATION

 

		A.	The Term will be 3 years from Effective Date with an automatic 2 year term extensions unless otherwise advised by one of the
Parties.

 

		B.	Termination for breach will include:

 

1.          Failure
to purchase Product and distribute to End Users as called for in II D.

 

		2.	Failure of SCIEN achieving less than 50% achievement of
the minimum Purchases as in III B.7. for two (2) consecutive years,

 

3.          
Insolvency, or the filing for protection under either Party’s bankruptcy laws. Upon the filing of a petition in bankruptcy,
insolvency or reorganization against or by either Party, or either Party becoming subject to a composition for creditors , whether
by law or agreement, or either party going into receivership or otherwise becoming insolvent (such party hereinafter referred to
as the "insolvent party"), this Agreement may be terminated by the other Party by giving written notice of termination
to the insolvent Party, such termination immediately effective upon the giving of such notice of termination.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 5 of 28

     

    

  

		C.	Upon the occurrence of a breach or default as to any obligation hereunder by either Party and the failure of the breaching
Party to cure (within thirty (30) days after receiving written notice thereof from the non-breaching Party) such breach or default,
this Agreement may be terminated by the non- breaching Party by giving written notice of termination to the breaching Party, such
termination being immediately effective upon the giving of such notice of termination.

 

		D.	In the event this Agreement is terminated by either Party for any reason whatsoever, HEMISPHERX agrees to reasonable efforts
to make Product available to SCIEN for a period of three (3) months after the termination date at the same Transfer Price and under
the same terms of payment.

 

		E.	In the event of termination of this Agreement, SCIEN will have the right to complete all contracts for the sale or disposition
of Product) under which SCIEN is obligated on the date of termination, provided SCIEN pays the associated Transfer Price and provided
all such sales or dispositions are completed within three (3) months after the date of termination. Thereafter, HEMISPHERX shall
purchase from the SCIEN all remaining stock of Product that is of merchantable quality at the same price as was paid by SCIEN.

 

		VII.	ASSIGNMENT

 

Neither this Agreement nor any rights or obligations or licenses
hereunder may be assigned, pledged, transferred or encumbered by either party without the express prior written approval of the
other party, except that either HEMISPHERX or SCIEN may assign this Agreement to any successor by merger or sale of substantially
all of its business or assets to which this Agreement pertains, without any such consent. Any assignment in violation hereof is
void.

 

		VIII.	AUTHORITY

 

SCIEN and HEMISPHERX each warrant and represent that it has the
full right and power to make the promises set forth in this Agreement and that there are no outstanding agreements, assignments,
or encumbrances inconsistent with the provisions of this Agreement.

 

IX.          EXCEPT
AS EXPRESSLY SET FORTH IN THIS SECTION IX, HEMISPHERX MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED,
REGARDING THE DEVELOPMENT, VIABILITY, COMMERCIAL OR OTHER USEFULNESS OR SUCCESS OF PRODUCT) AND THAT NO WARRANTY OR REPRESENTATION
THAT ANYTHING MADE, USED, SOLD OR OTHERWISE PRACTICED OR ANY SERVICE PROVIDED UNDER THIS AGREEMENT WILL NOT INFRINGE ANY PATENT,
COPYRIGHT, TRADE SECRET, OR OTHER PROPRIETARY RIGHT, FOREIGN OR DOMESTIC, OF ANY THIRD PARTY AND MAKES NO WARRANTIES OR REPRESENTATIONS
AS TO THE VALIDITY, ENFORCEABILITY OR SCOPE OF ANY HEMISPHERX INTELLECTUAL PROPERTY.

 

		X.	INDEMNIFICATION AND WARRANTIES

 

		A.	INDEMNIFICATION

 

SCIEN and HEMISPHERX (each an "Indemnifying Party")
shall indemnify, defend and hold harmless and the other Party's subsidiaries or affiliates, their agents, directors, officers,
employees and assigns (the "Indemnified Parties") from and against all losses, liabilities, damages, demands and expenses
(including reasonable attorneys' fees and expenses) arising out of, as a result of, or in connection with (i) the negligent actions
of the Indemnifying Party, its employees or any third party acting on behalf of or under authority of the Indemnifying Party in
the performance of this Agreement and/or (ii) the violation of any representation or warranty of Indemnifying Party in this Agreement.
Each Party's obligations under this provision shall be subject to the other Party providing reasonable notice of any such claim.
Each Party shall defend with competent counsel and pay all costs of defence, including attorneys' fees, and any and all damages
and court costs awarded in respect to such claim, action or proceeding regarding the claim of infringement. The Indemnified Parties
agree to permit the Indemnifying Party to defend, compromise, or settle any such claim, action or proceeding and further agree
to provide all available information, and reasonable assistance to enable the other Indemnifying Party to do so. However, neither
party will be liable under this indemnity for any losses, liabilities, damages, demands or expenses arising out of the gross negligence
or wilful misconduct of the other party or any of its affiliates, agents, directors, officers, employees or assigns. Limitation
of Liability. IN NO EVENT WILL EITHER PARTY BE LIABLE FOR ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE LICENSE
GRANTED PURSUANT TO THIS AGREEMENT OR THE USE OR COMMERCIAL DEVELOPMENT OF PRODUCT.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 6 of 28

     

    

 

		B.	WARRANTIES

 

Subject as herein provided HEMISPHERX
warrants to SCIEN that:

 

		·	All Product(s) supplied hereunder will comply with the Dossier and
with any specification agreed for them in the Quality Agreement;

		·	It is not aware of any rights of any third party in the Territory
which would or might render the sale of the Product, or the use of any of the Trademarks on or in relation to the Products, unlawful;

		·	It is the owner or the permitted licensee of all Intellectual Property
Rights and it is not aware of any claims of any third party in the Territory or worldwide related to the fact that the Products
infringes any intellectual property of such third party.

		·	Nothing in this Agreement shall exclude either party’s liability
for death or personal injury.

 

Subject to the above WARRANTIES, HEMISPHERX shall indemnify
and hold harmless SCIEN and its respective employees from any loss, damage or claim made by a third party in respect of (i) the
death or personal injury arising from the manufacture or use of the Products in the Territory or (ii) infringement of third party
intellectual property, if and to the extent such loss, damage or claim is caused by any act or omission of HEMISPHERX and is not
attributable directly or indirectly to the breach of any of the material terms of this Agreement by SCIEN or by any wilful default
or negligent act or omission of SCIEN, its employees or its agents.

 

		1.	The indemnity given by HEMISPHERX shall be subject to the
following conditions:

 

		·	No indemnity shall be claimed unless notice is given by SCIEN claiming
the indemnity to HEMISPHERX together with details of the claim promptly on notice of such claim being received by the SCIEN;

		·	No admissions of liability or compromise or offer of settlement of
any claim shall be made by SCIEN without the prior written consent of HEMISPHERX; and

		·	HEMISPHERX shall have full control over any claim, proceedings or
settlement negotiations in respect of which it is providing the indemnity.

 

Subject to clause X.B 1.), SCIEN shall defend and indemnify
HEMISPHERX and its Affiliates and hold each of them harmless against all claims, demands, actions, losses, expenses, damages, liabilities,
costs (including interest, penalties and reasonable attorneys' fees) and judgements suffered by each of them, which arise out of
SCIEN’s negligent or wilful acts or omissions or which otherwise arise out of SCIEN’s breach of the Agreement.

 

Survivability. The obligations set forth in this Section
X. shall survive the termination of this Agreement for the legal periods of limitation provided by US law.

 

    
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XI.          CONFIDENTIALITY

 

		A.	SCIEN and HEMISPHERX agree to keep secret and confidential all confidential, proprietary or non-public information ("Confidential
Information") of the other Party .This provision shall survive termination or expiration of this Agreement.

 

		B.	Such Confidential Information will be kept confidential until 5 years after the expiration of termination of this Agreement.
Notwithstanding the foregoing , Confidential Information of a Party shall not include information which the other Party can establish
by written documentation was (a) to have been publicly known prior to disclosure of such information by the disclosing Party to
the other Party, (b) to have become publicly known, without fault on the part of the other Party, subsequent to disclosure of such
information by the disclosing Party to the other Party, (c) to have been received by the other Party at any time from a source
, other than the disclosing Party, rightfully having possession of and the right to disclose such information, (d) to have been
otherwise known by the other Party prior to disclosure of such information by the disclosing Party to the other Party, or (e) to
have been independently developed by employees or agents of the other Party without access to or use of such information disclosed
by the disclosing Party to the other Party.

 

		C.	The confidentiality obligations contained in this section XI shall not apply to the extent that the receiving Party (the "Recipient")
is required (a) to disclose information by law, order or regulation of a governmental agency or a court of competent jurisdiction
, or (b) to disclose information to any governmental agency for purposes of obtaining approval to test or market a Product , provided
in either case that the Recipient shall provide written notice thereof to the other Party and sufficient opportunity to object
to any such disclosure or to request confidential treatment thereof.

 

		XII.	PROSECUTION, INFRINGEMENT, AND DEFENSE OF HEMISPHERX
INTELLECTUAL PROPERTY

 

		A.	HEMISPHERX will be responsible for and shall control, at
its expense, the preparation, filing, prosecution and maintenance of HEMISPHERX Intellectual Property.

 

		B.	SCIEN will cooperate in all reasonable ways to establish
and protect HEMISPHERX Intellectual Property in the Territory.

 

		C.	HEMISPHERX, at its expense, will have the right to determine
the appropriate course of action to enforce its HEMISPHERX Intellectual Property against infringement or otherwise abate the infringement
thereof , to take (or refrain from taking) appropriate action to enforce its HEMISPHERX Intellectual Property, to control any
litigation or other enforcement action and to enter into, or permit, the settlement of any such litigation or other enforcement
action with respect to its Intellectual Property .

 

		D.	Each Party shall promptly notify the other Party in writing
if any claim, action, demand or other proceeding (a "Claim") is brought against or is threatened to be brought against
such Party alleging that the sale of Product violates another party's intellectual property.

 

		E.	SCIEN will promptly notify HEMISPHERX of any Third party
SCIEN knows or believes may be infringing HEMISPHERX Intellectual Property and will, to the greatest extent reasonably possible,
provide to HEMISPHERX any information SCIEN has in support of such belief. HEMISPHERX will have the right, but not the obligation,
to use such information in an infringement action against such third Party. SCIEN agrees to cooperate with HEMISPHERX in any action
for infringement of HEMISPHERX, and HEMISPHERX will reimburse SCIEN for all reasonable costs incurred by it in providing cooperation
requested by HEMISPHERX.

 

    
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		F.	HEMISPHERX is and shall remain the sole legal and registered
owner for any trademark or trade name of “Interferon alfa-n3 (human leukocyte derived)". The parties shall work together,
upon commercial approval in the Territory to secure a trade name in the Territory.

 

		G.	HEMISPHERX hereby grants to SCIEN and SCIEN hereby accepts
the right, privilege and exclusive license to use of “Interferon alfa-n3 (human leukocyte derived)” solely in connection
with the terms of the Sales, Marketing, Distribution and Supply Agreement of Product in the Territory for the Term of this Agreement.
Should the Agreement expire or terminate, the right to use the trademark shall also terminate. SCIEN shall use “Interferon
alfa-n3 (human leukocyte derived)” at all times for the sole purpose of marketing of Product for no other purpose.

 

		H.	The terms of the intellectual property license hereby granted
shall be effective upon the Effective Date of this Agreement and during the term of this Agreement, unless sooner terminated in
accordance with the provisions of the Sales, Marketing, Distribution and Supply Agreement between the parties.

 

1.          Good
Will. SCIEN recognizes that there exists great value and good will associated with the Intellectual Property of Interferon alfa-n3
(human leukocyte derived)”

 

2. SCIEN agrees that it will not during the
term of this Agreement, or thereafter, attack the title or any rights of HEMISPHERX in and to Interferon alfa-n3 (human leukocyte
derived) or attack the validity of the license granted herein by HEMISPHERX and solely owned by HEMISPHERX.

 

		I.	SCIEN agrees to assist HEMISPHERX to the extent necessary in the procurement of any protection or to protect any of HEMISPHERX's
right to Interferon alfa-n3 (human leukocyte derived) and HEMISPHERX, if it so desires, may commence or prosecute any claims or
suits in its own name or in the name of SCIEN or join SCIEN as a party thereto. SCIEN shall notify HEMISPHERX in writing of any
infringements or imitations by others of “Interferon alfa-n3 (human leukocyte derived) which may come to SCIEN 's attention,
and HEMISPHERX shall have the sole right to determine whether or not any action shall be taken on account of any such infringements
or imitations. SCIEN shall not institute any suit or take any action on account of any such infringements or imitation without
first obtaining the written consent of the HEMISPHERX so to do.

 

		J.	SCIEN agrees to cooperate fully and in good faith with
HEMISPHERX for the purpose of securing and preserving HEMISPHERX's rights.

 

K.          It
is agreed that nothing contained in this Sales, Marketing, Distribution, and Supply Agreement shall be construed as an assignment
or grant to the SCIEN of any rights, title or interest in or to “Interferon alfa-n3 (human leukocyte derived)".

 

		L.	It is further understood that all rights relating thereto are reserved by HEMISPHERX, except for the license hereunder to SCIEN
of the right to use and utilize the name Interferon alfa-n3 (human leukocyte derived) only as specifically and expressly provided
in this Agreement.

 

		M.	In the event of termination of this license for any reason, SCIEN shall within 6months (as described in the Termination clause),
cease all use of the “Interferon alfa-n3 (human leukocyte derived)”. SCIEN shall not thereafter use any names, mark
or trade name similar thereto belonging to HEMISPHERX. Termination of the license under the provisions of this Agreement shall
be without prejudice to any rights which HEMISPHERX may otherwise have against SCIEN.

 

		N.	SCIEN shall, and shall cause its shareholders, officers, directors, and managing personnel to, comply with all laws, rules
and government regulations pertaining to its business and shall not violate any laws which would create an adverse effect on “Interferon
alfa-n3 (human leukocyte derived)” in the U.S. and/or the Territory.

 

		O.	Relationship of Parties. SCIEN shall not in any manner
or respect be the legal representative or agent of HEMISPHERX and shall not enter into or create any contracts, Agreements, or
obligations on the part of HEMISPHERX, either expressed or implied, nor bind HEMISPHERX in any manner or respect whatsoever regarding
its intellectual property; it being understood that this Agreement is only a contract for the licensed use of the product names
in connection with the terms in this Agreement.

 

    
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		XIII.	BUYOUT

 

HEMISPHERX will have the option at any time to buy out this Agreement.
If exercised within the first two (2) years HEMISPHERX will pay SCIEN three (3) times the Product sales for the preceding 12 months.
If exercised after year 3, HEMISPHERX will pay SCIEN two (2) times the Product sales for the preceding 12 months.

 

		XIV.	MISCELLANEOUS.

 

		A.	Notices. Notices sent pursuant to this Agreement are valid
if in writing and addressed to the parties at the respective addresses given below or at such other addresses as either party
shall notify the other in writing and sent by registered or certified mail, postage prepaid and return receipt requested, or by
Federal Express or other comparable courier providing proof of delivery, and shall be deemed duly given and received (i) if mailed,
on the third business day following the mailing thereof, or (ii) if sent by courier, the date of its receipt (or if not on a business
day, the next succeeding business day).

 

If to HEMISPHERX:

 

Thomas K. Equels, President and CEO

One Penn Center

1617 JFK Boulevard

Suite 500

Philadelphia, PA 19103 United States

 

If to SCIEN:

Abdelrhman Mofeed Zhreldin

Business Development Manager

Scientific Products Pharmaceutical Co. Ltd

Tahlia Street, P.O Box 10485,

Riyadh 11433 Saudi Arabia

 

		B.	This Agreement and the transactions contemplated herein
shall be governed by, and construed in accordance with, the laws of the State of Delaware, USA and disputes, if not resolved by
the Parties, will be settled by binding arbitration in and under the rules of arbitration in London, England.

 

		C.	This Agreement constitutes the entire understanding of
the parties with respect to the purchase and sale of Products and supersedes all prior discussions, agreements, and understandings
between HEMISPHERX and SCIEN.

 

		D.	Each party an independent contractor to the other and the
relationship between the parties shall not be construed to be that of an employer and employee, or to constitute a partnership,
joint venture, or agency of any kind.

 

		E.	This Agreement may only be amended in a writing signed
by both parties hereto.

 

		F.	If any provision of this Agreement is declared invalid
or unenforceable by a court having competent jurisdiction, it is mutually agreed that this Agreement shall endure except for the
part declared invalid or unenforceable by order of such court.

 

		G.	This Agreement may be executed in one or more counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.

 

    
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		H.	Prior to their release, the parties must agree on press
releases or market communication that utilises the other Party’s name.

 

Counterparts; Integration; Effectiveness; Electronic Execution

 

This Agreement may be executed in counterparts (and by different
parties hereto in different counterparts), each of which shall constitute an original, but all of which when taken together shall
constitute a single contract. This Agreement constitutes the entire contract among the parties relating to the subject matter hereof
and supersede any and all previous agreements and understandings, oral or written, relating to the subject matter hereof.

 

This Agreement shall become effective when it shall have been executed
by all parties and upon receipt of all counterparts hereof that, when taken together, bear the signatures of each of the other
parties hereto. Delivery of an executed counterpart of a signature page of this Agreement by e-mail and/or telecopy shall be effective
as delivery of a manually executed counterpart of this Agreement.

 

The words "execution," "signed," "signature,"
and words of like shall be deemed to include electronic signatures or the keeping of records in electronic form, each of which
shall be of the same legal effect, validity or enforceability as a manually executed signature or the use of a paper-based recordkeeping
system, as the case may be, to the extent and as provided for in any applicable law, including the Federal Electronic Signatures
in Global and National Commerce Act, and any other similar State laws based on the Uniform Electronic Transactions Act.

 

IN WITNESS WHEREOF, the parties have executed this Agreement as
of the last date below and in so doing acknowledge that they have a corporate authority to bind their respective organizations
to this Agreement.

 

	SCIENTIFIC PRODUCTS PHARMACEUTICAL CO. LTD:	 	HEMISPHERX BIOPHARMA, INC:
	 	 	 
	S/ Saleh Al-Abdullah Al-Rasheed	 	S/ Thomas K. Equels
	Saleh Al-Abdullah Al-Rasheed	 	Thomas K. Equels
	CEO & Owner	 	President and CEO
	 	 	 
	Date:	 	Date: 
	 	 	 
	3-29-2016	 	3-31-16

 

    
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Exhibit 1

 

The drug, Interferon Alfa-n3, is intended for investigational use
in the countries in which it is distributed prior to receipt of RAA;

 

The drug, Interferon Alfa-n3, meets your specifications as reflected
on the attached Certificate of Analysis;

 

The drug, Interferon Alfa-n3, is not in conflict with the laws of
the countries in which it is distributed;

 

The investigation will be conducted in accordance with good clinical
practices, including review and approval of the study by an independent ethics panel and informed consent of the study subjects;

 

The drug, Interferon Alfa-n3, does not present an imminent hazard
to public health, either in the United States, if the drug were to be reimported, or in the countries in which it is distributed;

 

The drug, Interferon Alfa-n3, is labelled in accordance with the
laws of the countries in which it is distributed.

 

I have reviewed the attached labels and the current Certificate
of Analysis against the specifications and agree with the above statements that these meet the laws of the countries in which the
product will be distributed.

 

Signature: __________________________________Date: ______________________

 

Printed Name: Saleh Al- Rashid

 

Title: Chairman and CEO

 

Company: Scientific Products Pharmaceutical Co. LTD

 

    
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Certificate of Analysis

 

{***}

 

    
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Label information enlarged for ease of read.

 

{***}

 

Enlarged Label:

 

{***}

 

Caution: Limited by Federal (US)

 

Law to Investigational Use.

 

Manufactured For:

 

Hemispherx Biopharma, Inc.

 

Philadelphia, PA 19103

 

(U.S.A.)

 

Actual Label:

 

{***}

 

    
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Exhibit 2 Study Protocol Synopsis

 

A Compassionate Use Protocol Using Natural
Leukocyte Interferon (Alfa-n3) for Individual Treatment of Symptomatic Patients with Middle East Respiratory Syndrome (MERS)

 

{***}

 

    
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Exhibit 3 Business Plan

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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Exhibit 4

 

TECHNICAL / QUALITY AGREEMENT 

 

1.          Parties

 

This Quality Agreement is entered by and between Scientific Products
Pharmaceutical Co. LTD., a pharmaceutical company with its primary offices located at Tahlia Street, P.O Box 10485, Riyadh 11433
Saudi Arabia (“SCIEN”) and Hemispherx Biopharma, Inc. 783 Jersey Avenue, New Brunswick, New Jersey 08901(HEMISPHERX).

 

2.          Purpose

 

The purpose of this Quality Agreement is to clearly define the quality
operating procedures, duties and responsibilities to be employed by SCIEN and HEMISPHERX in the conduct of activities by
SCIEN for Hemispherx Biopharma, Inc. The objective of these procedures and this Quality Agreement is assurance that services
are conducted in a timely, consistent and uniform manner and in accordance with current laws, directives, regulations and guidelines,
as may be applicable to the specific project(s). These requirements may include those defined by the U.S. FDA’s regulations
At 21CFR314.80 (Post-marketing reporting of adverse drug experiences for drugs), 21CFR312.32 (IND safety reporting) 21CFR600.80
(Post marketing reporting of adverse experiences for biologics) 21CFR Parts 210 and 211 (“current Good Manufacturing Practices”
or “cGMPs”) with particular interest in 21CFR211.1.42 (Warehousing), 21CFR211.150 (Distribution), 21CFR211.204 (Returned
drug) and 21CFR211.208 (Drug product salvaging), ICH Guidance for Industry: E6 Good Clinical Practice Consolidated Guidance and/or
others that may be appropriate for the particular project.

 

3.          Scope

 

This Quality Agreement is to be applied to the activities performed
by SCIEN, for HEMISPHERX as specifically defined by the Sales, Marketing, Distribution, and Supply Agreement January ___, 2016
(“Agreement”) to which this Quality Agreement is an integral Exhibit. In the event of a conflict between the terms
of the Agreement and this Quality Agreement, the terms of the Agreement shall control. Unless otherwise
stated in these documents, SCIEN shall follow its Standard Operating Procedures (“SOPs”) with respect to the activities
it shall carry out in accordance with the Agreement. Copies of all relevant SOPs shall be provided to HEMISPHERX for review during
audits.

 

4.          Confidentiality

 

The information and procedures contained in this Quality Agreement
are confidential and subject to the terms and conditions of the confidentiality provisions as set forth in the Confidential Disclosure
Agreement September 22, 2014 (“CDA”) executed by HEMISPHERX and SCIEN.

 

5.          Terms

 

This Agreement between HEMISPHERX and SCIEN shall be in effect beginning
the last date of execution set forth on the signature page to the Agreement (the “Effective Date”) to which this Quality
Agreement is Exhibit 2 and remain in effect until HEMISPHERX and SCIEN terminate the Agreement or it is superseded by a revised
Quality Agreement executed by both parties. This Quality Agreement should be reviewed periodically by both parties for any
needed updating, revisions, amendments, and the like. Regular periodic review of this Quality Agreement should be conducted to
ensure it is up-to-date.

 

    
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HEMISPHERX may perform audits for initial qualification of SCIEN
as well as periodic audits and “for cause” audits. At mutually agreed upon times, HEMISPHERX may review standard operating
and other quality control procedures and records and the records of SCIEN relating to the Agreement. Such routine and general
oversight review is to be requested at least twenty (20) business days in advance, limited to two (2) persons, completed within
one (1) to two (2) business days and shall be offered to HEMISPHERX one (1) time each calendar year. SCIEN will make every
reasonable effort to accommodate the special circumstances that may arise pursuant to “for cause” audits. The following
applies to all audits:

 

		·	Prior to an audit HEMISPHERX will communicate to SCIEN the scope of the audit.

		·	HEMISPHERX will prepare a written report of the results of the audit and forward a copy to SCIEN.

 

SCIEN will provide a written response to HEMISPHERX’s
written audit report within twenty (20) business days of receipt of such report setting forth the corrective actions to be taken
by SCIEN, if any, and a timeline for such implementation.

 

In the event of an inspection by any governmental
or regulatory authority concerning the activities carried out under the Agreement, SCIEN shall notify HEMISPHERX promptly
upon learning of such an inspection, shall supply HEMISPHERX with copies of any correspondence or portions of correspondence relating
to HEMISPHERX’s materials and shall inform HEMISPHERX of the general findings and outcomes of such inspections.

 

SCIEN and HEMISPHERX shall cooperate with each other during any
such inspection, investigation or other inquiry, including applying reasonable effort, as might be practical, at allowing, upon
reasonable request, a representative of HEMISPHERX to be on site during such inspection, investigation or other inquiry, and providing
copies of all documents related to the inspection. Each party acknowledges that it may not direct the manner in which the other
party fulfills its obligations to permit inspection by governmental entities

 

6.          Dispute
Resolution

 

If a dispute arises between the parties under this Agreement, the
parties agree that, prior to either pursuing other available remedies, decision-making individuals from each party will promptly
meet, either in person or by telephone, to attempt in good faith to negotiate a resolution of the dispute. If, within sixty days
after such meeting, the parties are unable to resolve the dispute (or such longer time as the parties may agree) either party is
free to pursue its legal remedies.

 

7.          Definitions

 

Adverse experience: Any adverse event associated with
the use of a biological or drug product in humans, whether or not considered product related, including the following: an adverse
event occurring in the course of the use of a biological or drug product in professional practice; an adverse event occurring from
overdose of the product whether accidental or intentional; an adverse event occurring from abuse of the product; an adverse event
occurring from withdrawal of the product; and any failure of expected pharmacological action.

 

Disability: A substantial disruption of a person’s
ability to conduct normal life functions.

 

Life-threatening adverse experience: Any adverse experience
that places the patient, in the view of the initial reporter, at immediate risk of death from the adverse experience as it occurred,
i.e., it does not include an adverse experience that, had it occurred in a more severe form, might have caused death.

 

Labeled event: An adverse experience that is listed on the
product insert as having been observed in patients who are receiving the drug product.

 

    
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Drug Product: A finished dosage form, for example, tablet,
capsule, or solution that contains an active ingredient generally, but not necessarily, in association with inactive ingredients

 

Serious adverse experience: Any adverse experience
occurring at any dose that results in any of the following outcomes: Death, a life-threatening adverse experience, inpatient hospitalization
or prolongation of existing hospitalization, a persistent or significant disability/incapacity, or a congenital anomaly/birth defect.
Important medical events that may not result in death, be life-threatening, or require hospitalization may be considered a serious
adverse experience when, based upon appropriate medical judgment, they may jeopardize the patient or subject and may require medical
or surgical intervention to prevent one of the outcomes listed in this definition.

 

Unexpected adverse experience: Any adverse experience that
is not listed in the current labelling for the biological or drug product. This includes events that may be symptomatically and
pathophysiologically related to an event listed in the labelling, but differ from the event because of greater severity or specificity.

 

For example, under this definition, hepatic necrosis would be unexpected
(by virtue of greater severity) if the labeling only referred to elevated hepatic enzymes or hepatitis. Similarly, cerebral thromboembolism
and cerebral vasculitis would be unexpected (by virtue of greater specificity) if the labeling only listed cerebral vascular accidents.
“Unexpected,” as used in this definition, refers to an adverse experience that has not been previously observed (i.e.,
included in the labeling) rather than from the perspective of such experience not being anticipated from the pharmacological properties
of the pharmaceutical product.

 

Call report: A list of all questions, requests for circulars,
and physician/patient complaints received by SCIEN's Clinical Support Department is prepared monthly by SCIEN staff
and is forwarded to HEMISPHERX RA/QA Department.

 

Audit: A systematic examination of processes, controls and
systems, operating procedures, reports, records and/or data to assess SCIEN’s compliance with standards, regulatory
submissions, SOPs; applicable laws, regulations, directives, standards and guidelines; the terms of this Agreement and other contracts
in place defining the services being provided and to verify data integrity.

 

Good Clinical Practices (“GCPs”): Good clinical
practice (GCP) is an international ethical and scientific quality standard for designing, conducting, recording, and reporting
trials that involve the participation of human subjects. Compliance with this standard provides public assurance that the rights,
safety, and wellbeing of trial subjects are protected, consistent with the principles that have their origin in the Declaration
of Helsinki, and that the clinical trial data are credible. ICH Guidance for Industry: E6 Good Clinical Practice Consolidated Guidance.

 

Good Manufacturing Practices (“GMPs”): The recognized
pharmaceutical regulations and requirements of regulatory authorities such as those defined by the U.S. FDA’s regulations
at 21CFR Parts 210 and 211.

 

Key Contacts:  Persons at SCIEN and HEMISPHERX assigned
to assure proper communication and follow-up in a timely manner within both parties’ organizations. Names, titles and full
contact information for Key Contacts shall be appended to this Agreement as Attachment 1 and should be maintained up-to-date during
the course of the project.

 

Observation: A statement of fact made during an audit that
is substantiated by objective evidence. HEMISPHERX categorizes observations as follows:

 

		o	Critical: May pose risk to patient or consumer or otherwise compromise the integrity or quality of the material, product,
process, or service being provided. Other instances that could be defined as a critical observation include: A practice that poses
an immediate safety risk to personnel; Quality System(s) missing or not in compliance with regulations, guidelines, or corporate
policies.

 

    
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		o	Major:  Does not fully comply with regulations, guidelines or corporate policies and may pose unnecessary risks to the
integrity or quality of material, product, process or service being provided. Other instances that could be defined as a major
observation include: Likely or probable safety risk to personnel; Quality System(s) weak or needing improvement; repeated Minor
deficiencies of a similar nature that indicate a systemic problem and therefore may be classified as Major.

		o	Minor:  Does not comply with regulations, guidelines, or corporate policies but does not directly impact the integrity
or quality of the material, product, process, or service being provided.

		o	Comment:  Compliant with regulations, guidelines and/or corporate policies; however, the auditor comment serves as a
recommendation relative to maintaining or improving a specific condition noted.

 

Out-of-Specification / Out-of-Trend (“OOS / “OOT”):
 A result that is not within the established specifications or trend, whether these are qualitative or quantitative.

 

Standard Operating Procedures (“SOPs”): Procedures
in effect at SCIEN that define the processes and controls by and under which activities are to be conducted to assure compliance
with the appropriate Code of Federal Regulations.

 

7.          Communications

 

To assure proper communication, notification and
follow-up in a timely manner by both parties, “Key” contacts are listed in Attachment 1 of this Agreement. Key contacts
shall have access to project managers and technical staff and, upon reasonable notice and as required, facilitate resolution of
any issues. Every effort will be made by SCIEN to accommodate timely communications, including face-to-face meetings, with
HEMISPHERX.

 

8.          Change
of Control 

 

SCIEN will maintain and follow change control SOP(s) to ensure
that changes to equipment, procedures, processes, etc. occur in a controlled manner and in compliance with requirements e defined
by the U.S. FDA’s regulations (see Section 2). The implementation of any change that may directly impact the integrity of
the activities conducted or data being supplied for HEMISPHERX will require prior written approval of HEMISPHERX. SCIEN
and HEMISPHERX will advise the appropriate organization’s staff member (See Attachment 1) before implementation of a change,
by either party, to equipment, procedures, specifications, processes, clinical protocols, product claims or facilities directly
related to HEMISPHERX’s specific products and processes. Each party agrees to review the proposed change in a timely manner
and, at its discretion, may audit and/or request an alternative or additional change prior to the implementation of the proposed
change. The respective party will review the proposed change, determine if it is reasonably practicable to implement the change
and can suggest alternative or additional changes prior to the implementation of the proposed change. Change control requirements
should be articulated within the specific operation’s documentation practices.

 

HEMISPHERX is responsible for assuring changes are in accordance
with and/or reported to the investigational, marketing and/or any other filing with regulatory agencies (IND, IMPD, CTA, NDA, MA,
etc.) and for informing SCIEN of any changes requested by regulatory agencies. SCIEN agrees to keep HEMISPHERX fully
informed of any and all communications with regulatory agencies that may affect the services being provided to HEMISPHERX by SCIEN.

 

This Agreement is not meant to supersede or replace controlled documents
typically used to define and record the work to be conducted by SCIEN for HEMISPHERX. Specific requirements of this Agreement and/or
any service contracts shall be articulated within SCIEN’s current operating procedures and documentation systems.

 

9.          Responsibilities

 

SCIEN is responsible for:

		1)	case management support services to patients and maintain a 24-hour/365-day a year telephone service
for assistance of prescription drug-related medical emergencies to patients

		2)	the distribution of product, including the shipping, handling and storage and all rules and regulations
of every governmental authority having jurisdiction over the shipping, handling, storage, distribution, and dispensing of Product

 

    
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		3)	confirming the product labelling requirements in the territory

		4)	conforming to all labeled specifications concerning the shipping, handling and storage of Product

		5)	notifying HEMISPHERX of any unacceptable storage or handling deviation within one (1) business
day

		6)	inspecting all product shipments received by SCIEN from HEMISPHERX and reporting any damage, defect,
loss in transit, or other shipping errors to HEMISPHERX within one (1) business days of receipt by SCIEN

		7)	administering recalls, field alerts, warning letters, quarantines or withdrawals in accordance
with HEMISPHERX instructions (See Attachment 2)

		8)	administering HEMISPHERX’s Returned Goods Policy (See Attachment 3)

		9)	immediately (within 24 hours of becoming aware of event) notifying HEMISPHERX of any serious and
unexpected side effects (Adverse Experiences reported to SCIEN, as defined by 21CFR 314.80 and 21CFR 312.32))

		10)	providing HEMISPHERX with written Adverse Experience Reports (at the latest day 4 after becoming
aware of event)

		11)	notifying the Regulatory Authorities within the Territory of any reportable adverse experiences

		12)	notifying the Regulatory Authorities within the Territory of any suspected counterfeiting or tampering
except as required different by law

		13)	obtaining program approval from appropriate regulatory agencies in the Territory

		14)	keeping HEMISPHERX fully informed of any and all communications with regulatory agencies that may
affect the services being provided to HEMISPHERX by SCIEN

		15)	receiving and processing complaints

		16)	notifying HEMISPHERX of complaints and actions taken or to be taken to address the complaints

		17)	the performance of all services provided by SCIEN’s subcontractors

		18)	communicating to HEMISPHERX any events of non-conformance that impact the quality of HEMISPHERX’s
product. Examples of non-conformances may include, but are not limited to: equipment failure, shipping error or documentation error,
labeling error, improper storage, facilities system error, and unplanned study protocol deviations. When a non-conformance event
occurs that is specific to HEMISPHERX’s product, SCIEN will conduct an investigation and provide copies of all investigation
documentation to HEMISPHERX for review and input

		19)	for initiating, monitoring and completing CAPA tasks related to discrepancies, errors and incidents
involving services that are under SCIEN’s control

 

HEMISPHERX is responsible for:

		1)	release of product following review of all manufacturing and quality control testing requirements
to confirm the batch has been manufactured according to approved processes and specifications

		2)	supply all necessary quality documentation with shipments to allow product importation and release

		3)	ensuring product intended for supply in territory is labelled accordingly

		4)	assuring changes to the established operations are in accordance with and/or reported to the investigational,
marketing and/or any other filing with regulatory agencies (IND, IMPD, CTA, NDA, MA, etc.).

		5)	informing SCIEN of any changes requested by regulatory agencies

		6)	assist with/address any Agencies requests relating to manufacture of product

		7)	providing SCIEN any information that could result in a field alert or recall of a product under
a HEMISPHERX NDA or ANDA immediately, but no more than one (1) business day after discovery. HEMISPHERX interprets FDA 21 CFR 314.81,
“Other Post-Marketing Reports,” to require a Field Alert Report to be made within three (3) days of an occurrence of
an OOS result, whether that result is confirmed or not. The only exception to this would be where the original result was invalidated
within the three (3) days. In that case, no field alert would be required

		8)	making the proper reports to the FDA regarding a field alert or recall

 

    
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		9)	making the proper reports to the FDA regarding any serious and unexpected side effects

		10)	communicating to SCIEN any events of non-conformance that impact the quality of HEMISPHERX’s
product. Examples of non-conformances may include, but are not limited to: contamination, calculation or documentation error, labeling
error. When a non-conformance event occurs HEMISPHERX will conduct an investigation and inform SCIEN of any appropriate action
to be taken

		11)	for initiating, monitoring and completing CAPA tasks related to discrepancies, errors and incidents
involving services that are under HEMISPHERX’s control

		12)	contribute to customer complaint investigations where possible issues due to manufacturing process
may have contributed to complaint

 

HEMISPHERX and SCIEN are separately responsible for securing and
maintaining all required licenses, permits and certificates applicable to their respective operations and each shall comply with
any and all applicable federal, state and local laws, including but not limited to (i) the Federal Food Drug and Cosmetic Act;
(ii) the Social Security Act; (iii) HIPAA; (iv) all federal and state health care anti-fraud and abuse laws, and (v) all state
privacy, and consumer protection laws, including those relating to the use of medical and prescription information for commercial
purposes.

 

10.         Subcontractors

 

SCIEN may enter into agreements between SCIEN and
a subcontractor. SCIEN will identify the services performed by each such subcontractor. SCIEN is responsible for
the performance of all services provided on behalf HEMISPHERX and the compliance of each subcontractor to the terms of this Agreement.
HEMISPHERX will be permitted to conduct periodic audits of the subcontractors to assure compliance to applicable GMP’s, GLP’s
and federal regulations (CFR’s).

 

11.         Standard
Operating Procedures (SOP’s)

 

The following HEMISPHERX SOP’s are relevant to this Quality
Agreement and interactions between HEMISPHERX and SCIEN and affiliates.

 

		A.	CLN-009 Handling Adverse Event Reports and Records

		B.	RA-001 Post Marketing Adverse Experience Reporting

		C.	QC-006 Investigation of Out of Specification Results

 

12.         Laboratory
Controls-N/A

 

13.         Documentation
and Record Maintenance

 

SCIEN shall preserve all records in accordance with any applicable
federal, state or local requirements. Raw data, documentation, batch records, source documents, product disposition records and
reports (collectively, “Documentation”) shall be retained by SCIEN for a minimum period of two (2) years after termination
or expiration of the Specialty Distributor Purchase and Service Agreement between HEMISPHERX and SCIEN. SCIEN shall, upon written
receipt of a written request from HEMISPHERX, finish such Documentation in a format reasonably acceptable to HEMISPHERX with thirty
(30) days of receipt of such request. In this case, the Documentation will be shipped to the Quality Assurance Manager named in
this Agreement (see Key Contact List, Attachment 1). It is the responsibility of HEMISPHERX to notify SCIEN of any changes in this
contact. During the retention period, documentation shall be available for inspection by HEMISPHERX, its authorized agents and
authorized government agencies.

 

14.         Complaints

 

In the event SCIEN is notified of a complaint, SCIEN will receive,
investigate and respond to the complaint following its internal procedures. A copy of all complaint investigation documentation
will be provided to HEMISPHERX.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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15.         Contact
List of Key Personnel. See Attachment 1

 

IN WITNESS WHEREOF, the parties hereto have executed this Quality
Agreement as of the Effective Date.

 

Hemispherx Biopharma Inc.         

 

Quality Assurance Signature: _____________________________________________________

 

Printed Name: Victoria Scott

 

Title: Associate Director Quality and Regulatory

 

Date: _________________________________________________________________________

 

Management Signature: __________________________________________________________

 

Printed Name: Wayne Springate

 

Title: Senior Vice President Operations

 

Date: _________________________________________________________________________

 

SCIEN.

 

Quality Assurance Signature: _____________________________________________________

 

Printed Name: _________________________________________________________________

 

Title: _________________________________________________________________________

 

Date: _________________________________________________________________________

 

Management Signature: ___________________________________________________________

 

Printed Name: Abdelrhman Mofeed Zhreldin

 

Title: Business Development Manager

 

Date: _________________________________________________________________________

  

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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Attachment 1

List of Key Contacts

 

	SUBJECT	 	HEMISPHERX CONTACT	 	SCIEN
    CONTACT
	
        Regulatory Compliance Requirements

         

        Notification of Regulatory Agencies and Regulatory Submissions
	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Regulatory@Hemispherx.net
	 	 
	Recall of Marketed Product	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Regulatory@Hemispherx.net
	 	 
	Adverse Drug Events	 	
        David Strayer, MD

        Medical Director

        Phone:215-988-0880

        Fax: 215-988-1739

        Email: SAE@Hemispherx.net
	 	 
	Product Complaint	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Field Alert Reports/Biological Product Deviation Reports	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Change Control	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Clinical Study Protocol Changes	 	
        David Strayer, MD

        Medical Director

        Phone:215-988-0880

        Fax: 215-988-1739

        Email: David.Strayer@Hemispherx.net
	 	 
	New or Revised Product Claims	 	
        David Strayer, MD

        Medical Director

        Phone:215-988-0880

        Fax: 215-988-1739

        Email: David.Strayer@Hemispherx.net
	 	 
	
        Documentation

        Quality Records

        Record Retention
	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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	SUBJECT	 	HEMISPHERX CONTACT	 	 
	Product Testing and Release	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	
        Control of Components, Labelling and Packaging Materials

         
	 	
        Chris Cavalli

        VP Quality and Process Development

        Phone: 732-249-3250

        Email:Chris.Cavalli@Hemispherx.net

        Fax:732-249-6895
	 	 
	Product Storage and Shipping	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Returned Goods	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.
	 	 
	
        Deviations/Investigations

         

        Nonconforming or Rejected Material
	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Supplier Qualification	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 
	Quality Audits & Regulatory Inspections	 	
        Victoria Scott

        Associate Director/Quality and Regulatory

        Phone: 732-249-3250

        Fax:732-249-6895

        Email:Victoria.Scott@Hemispherx.net
	 	 

  

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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Attachment 2

QA-007-Product Recall

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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Attachment 3

HEMISPHERX Return Goods Policy

 

This Return Goods Policy us for all HEMISPHERX product, Interferon
alfa-n3 (human leukocyte derived) distributed by SCIEN.

 

The following products are eligible for return and reimbursement:

 

		·	Outdated Product: Product within two (2) months prior or six (6) months past expiration date and noted on product;

 

AND

 

		·	Product in its original container and bearing its original label.

 

OR

 

		·	Product which HEMISPHERX has specified be returned

 

The following products are not eligible for return and reimbursement:

 

		·	Product that is not outdated.

 

		·	Product in which the lot number and/or expiration date is missing, illegible, covered, and/or unreadable on original container.

 

		·	Product that has been damaged due to improper storage handling, fire, flood, or catastrophe.

 

		·	Product that has been sold expressly on a non-returnable basis.

 

		·	Product that is not in its original container and/or not bearing its original label.

 

		·	Product that is in its original container with a prescription label attached.

 

		·	Product that has been repackaged

 

		·	Partial Vials

 

		·	Product obtained illegally or via diverted means

 

		·	Product purchased on the “secondary source” market or from a distributor other than SCIEN.

 

		·	Product that HEMISPHERX determines, in its sole discretion, is otherwise adulterated, misbranded, or counterfeit.

 

HEMISPHERX will only accept returns shipped to SCIEN. All
eligible products shall be shipped in a safe, secure, and reliable manner, and in compliance with all applicable federal, state
and local laws, regulations and statutes. It is the shipper’s responsibility to securely package all return goods to prevent
to prevent breakage during transit and otherwise comply with the laws and regulations applicable to the packaging, shipping, and
transport of return goods shipments.

 

HEMISPHERX is not responsible for shipments lost and/or damaged
in transit. HEMISPHERX recommends that all customers insure return goods shipments.

 

HEMISPHERX will audit the quantities of return goods and final reimbursement
will be based on HEMISPHERX count. All products will be reimbursed based on the price paid direct purchasing customers reimbursement
will be issued in the form of credit or product replacement to the appropriate party.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
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To assist in accurate credit memo processing, please include the
following information:

 

		1.	Purchasers Name and Mailing Address

 

		2.	Date and Quantity

 

Return goods shipments which are deemed to be outside of this policy
will not be returned to the customer or the third party processor and no reimbursement will be issued by HEMISPHERX. HEMISPHERX
return goods policy is subject to change at any time and without prior notices to other parties.

 

    
{***} Confidential portions of this exhibit have been redacted and filed separately with the Commission pursuant to a confidential treatment request in accordance with Rule 24b-2 of the Securities Exchange Act of 1934, as amended.

 
Page 28 of 28

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