Document:

exv10w17

 

Exhibit 10.17

EXECUTIVE EMPLOYMENT AGREEMENT

This Executive Employment Agreement (“Agreement”) is entered into as of the
effective date (“Effective Date”) specified in the exhibit (“Exhibit”) to this
Agreement by and between Hyperion Solutions Corporation, a Delaware corporation
with offices at 1344 Crossman Avenue, Sunnyvale, California 94089 (“Hyperion”)
and the executive employee (“Employee”) specified in the Exhibit.

1.      Duties and Scope of Employment

a.      Subject to the terms of this Agreement, Hyperion agrees to employ Employee
in the position (“Position”) specified in the Exhibit, or in such other
position as Hyperion subsequently may assign to Employee, to perform the duties
of the Position (“Employment”) specified in the Exhibit, or such duties as
Hyperion subsequently may assign to Employee. Employee shall report to the
supervisor (“Supervisor”) specified in the Exhibit.

b.      During the term of Employee’s Employment, Employee shall devote Employee’s
full business efforts and time to Hyperion. During the term of Employee’s
Employment, without the prior written approval of Hyperion (which shall not be
unreasonably withheld), Employee shall not render services in any capacity to
any other person or entity, and shall not act as a sole proprietor, partner or
managing member of any other entity, or as a shareholder owning more than one
percent (1%) of the stock of any other corporation or entity. The foregoing,
however, shall not preclude Employee from engaging in reasonable community,
school or charitable activities.

c.      Employee shall comply with Hyperion’s policies and rules, as they may be in
effect from time to time, during the term of Employee’s Employment.

d.      Employee represents to Hyperion, to the best of Employee’s knowledge and
belief, that Employee is under no obligation or commitment, whether contractual
or otherwise, that is inconsistent with Employee’s obligations under this
Agreement. Employee represents to Hyperion, to the best of Employee’s
knowledge and belief, that Employee’s Employment with Hyperion will not require
the use, or disclosure, of any trade secrets or other proprietary information
or intellectual property in which Employee, or any other person, has any right,
title or interest, and that Employee’s Employment by Hyperion, as contemplated
by this Agreement, will not infringe or violate the rights of any other person
or entity. Employee represents to Hyperion, to the best of Employee’s
knowledge and belief, that Employee has returned all property and confidential
information belonging to any prior employer.

2.      Compensation

a.      Hyperion shall pay Employee, as compensation for Employee’s services, a base
salary at a gross annual rate of not less than the base salary (“Base Salary”)
specified in the Exhibit. Such Base Salary shall be payable in accordance with
Hyperion’s standard payroll procedures. The Base Salary, together with any
increases in such compensation that Hyperion may grant from time to time, shall
be referred to as the base compensation (“Base Compensation”).

b.      As more fully and completely described in the attached offer letter with the
date (“Offer Letter Date”) specified in the Exhibit, Employee shall be eligible
to receive an annual incentive bonus (“Incentive Bonus”) with a target amount
equal to the bonus percentage (“Bonus Percentage”) specified in the Exhibit, of
Employee’s Base Compensation. Such bonus (if any) shall be awarded based on
objective or subjective criteria established in advance by Hyperion’s board of
directors or its compensation committee. The determinations of the board or
such committee with respect to such bonus shall be final and binding. Any
conflict between this subsection 2.b and the offer letter shall be resolved in
favor of the offer letter.

c.      During the term of Employee’s Employment, Employee shall be eligible to
participate in any employee benefit plans maintained by Hyperion for similarly
situated employees, subject in each case to the generally applicable terms and
conditions of the plan in question, and to the determinations of any person or
committee administering such plan. In addition to the foregoing benefits,
Employee shall be entitled to the additional benefits (“Additional Benefits”)
specified in the Exhibit, if any.

d.      During the term of Employee’s Employment, Employee shall be authorized to
incur necessary and reasonable travel, entertainment and other business
expenses in connection with Employee’s duties hereunder. Hyperion shall
reimburse Employee for such expenses upon presentation of an itemized account
and appropriate supporting documentation, all in accordance with Hyperion’s
generally applicable policies. Any single expenditure in excess of ten
thousand dollars ($10,000.00) shall require the prior approval of Hyperion’s
Chief Executive Officer, President or Chief Financial Officer.

	 	 	 	 	 
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3.      Term of Employment

a.      This Agreement shall be for the initial term (“Initial Term”) specified in
the Exhibit. Thereafter, this Agreement shall automatically be renewed for
successive renewal periods (“Renewal Period”) as specified in the Exhibit,
unless either party has given the other party written notice of non-renewal not
less than ninety (90) days prior to the end of the Initial Term, or Renewal
Period then in effect.

b.      Hyperion agrees to continue Employee’s Employment, and Employee agrees to
remain in Employment with Hyperion, from the Effective Date until the earlier
of the Initial Term Date or Renewal Period, or the date when Employee’s
Employment terminates according to section 4, below.

4.      Termination

a.      Employee may terminate Employee’s Employment at any time and for any reason
(or no reason) by giving Hyperion thirty (30) days advance written notice.
Hyperion may terminate Employee’s Employment at any time and for any reason (or
no reason), and with or without cause, by giving Employee thirty (30) days
advance written notice.

b.     Hyperion may also terminate Employee’s Employment due to Employee’s
permanent disability, by giving Employee notice in writing. Permanent
disability shall mean that Employee, at the time notice is given, has failed to
perform Employee’s duties under this Agreement for sixty (60), or more
consecutive days, or for ninety (90), or more days, during any twelve (12)
month period, as the result of Employee’s incapacity due to physical or mental
injury, disability or illness, and which Hyperion is unable to accommodate
reasonably without undue hardship. Employee’s Employment shall terminate
automatically in the event of Employee’s death.

c.      Unless otherwise provided for herein, upon the termination of Employee’s
Employment pursuant to this section, Employee shall only be entitled to the
compensation, benefits and reimbursements described in section 2 for the period
preceding the effective date of the termination. No unpaid bonus under Section
2 shall be payable for the year in which Employee’s Employment terminates,
unless the applicable bonus program expressly provides for the payment of a
prorated bonus for such year. The payments under this Agreement shall fully
discharge all responsibilities of Hyperion to Employee. The termination of
this Agreement shall not limit or otherwise affect Employee’s obligations under
Section 5.

d.      Any other provision of this Agreement notwithstanding, subsections e and f,
below, shall not apply unless Employee has executed a general release (in a
form prescribed by Hyperion, such as the current Termination Release Agreement
available from the Hyperion legal department) of all known and unknown claims
that Employee may then have against Hyperion or persons affiliated with
Hyperion. Such release shall include, among other things, an agreement not to
prosecute any legal action or other proceeding based upon any of such claims.
Employee acknowledges that such release may provide that in the event of a
breach by Employee of the terms of the release, or of Employee’s obligations
under section 5 hereof, Hyperion shall be entitled to recover from Employee all
amounts paid under subsections e and f of this section.

e.      If:

i.      Hyperion does not renew this Agreement, or terminates Employee’s
Employment for any reason other than permanent disability, or cause, as
defined below;

ii.      Employee resigns for good reason, as defined below; or

iii.      during the term of this Agreement, the chief executive officer as of
the Effective Date of this Agreement ceases to serve as the senior
executive officer of Hyperion, Hyperion’s board of directors appoints a
new chief executive officer, and within six (6) months of the first day of
such new chief executive officer’s employment with Hyperion, Employee
resigns because Hyperion has significantly diminished the nature or scope
of Employee’s authority, duties or responsibilities the were in effect
immediately prior to the appointment of the new chief executive officer,

then, for the continuation period (“Continuation Period”) specified in the
Exhibit, following Employee’s termination, Hyperion shall pay Employee
Employee’s Base Compensation, at the rate in effect at the time of the
termination of Employment, Employee’s Incentive Bonus, both in accordance with
Hyperion’s standard payroll procedures, and continue the coverage of Employee,
and Employee’s dependents (if applicable), under the health benefit plans in
effect at the time of the termination. To the extent that such plans or the
insurance contracts or provider agreements associated with such plans do not
permit the extension of Employee’s coverage following the termination of
Employee’s active employment, Hyperion shall pay Employee cash in an amount
equal to the cost to Hyperion of the coverage that cannot be provided. If
Employee elects to continue Employee’s health insurance coverage under the
Consolidated Omnibus Budget Reconciliation Act (“COBRA”), following Employee’s
termination, then the date of the “qualifying event” for purposes of COBRA
shall be Employee’s last day of active employment.

f.      Cause means the commission of any act of fraud, embezzlement or dishonesty
by Employee, any unauthorized use or disclosure by Employee of confidential
information or trade secrets of Hyperion, or any other

	 	 	 	 	 
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	 	Hyperion Confidential
	 	 

 

 

intentional misconduct by Employee adversely affecting the business or affairs
of Hyperion in a material manner. The foregoing definition shall not be deemed
to be inclusive of all the acts or omissions which Hyperion may consider as
cause for the dismissal or discharge of Employee.

g.      Good reason means:

i.      a change in Employee’s position which significantly diminishes the
nature or scope of Employee’s authority, duties or responsibilities;

ii.      a reduction in Employee’s level of compensation (including Base
Salary, benefits and participation in corporate-performance based bonus or
incentive programs), excluding any insignificant change therein; or

iii.      a relocation of Employee’s place of employment by more than fifty
(50) miles;

provided and only if such change, reduction or relocation is effected by
Hyperion without Employee’s consent.

5.     Employee’s Covenants

a.      From the Effective Date of this Agreement and continuing until the second
(2nd) anniversary of Employee’s termination, Employee shall not interfere with
the business of Hyperion by, directly or indirectly, personally or through
others, soliciting or attempting to solicit, on Employee’s own behalf or on
behalf of any other person or entity, the employment of any employee of
Hyperion, or any of Hyperion’s affiliates. During this period, Employee shall
not encourage or induce, or take any action that has the effect of encouraging
or inducing, any employee of Hyperion, or any of Hyperion’s corporate
affiliates, to terminate that employee’s employment. Notwithstanding the
forgoing, or any other term in this Agreement, Employee may solicit and hire
Employee’s executive assistant away from Hyperion.

b.      For a period of one hundred and twenty days (120) days following Employee’s
termination, Employee shall not hire, or assist any other person in hiring, any
person who was an employee of Hyperion on the date of Employee’s termination,
to work at Employee’s new place of employment in a position that reports either
directly to Employee, or to any other person who reports directly to Employee.

c.      From the Effective Date of this Agreement and continuing until the second
(2nd) anniversary of Employee’s termination, Employee shall not use any
confidential information Employee obtained during Employee’s Employment with
Hyperion to, directly or indirectly, personally or through others, solicit, or
attempt to solicit (on Employee’s own behalf or on behalf of any other person
or entity), the business of any customer, or prospective customer, of Hyperion,
or of any of Hyperion’s affiliates, for services or products similar to those
sold by Hyperion. Prospective customer means any person or entity whom
Employee was involved in contacting or soliciting to become a customer during
the six (6) month period prior to Employee’s termination.

d.      Employee has entered into an Employee Proprietary Information Agreement with
Hyperion, which is incorporated herein by reference, and survives the
termination or expiration of this Agreement. Given the nature of Employee’s
Position, Employee understands that it may be not be possible for Employee to
work in a position similar to Employee’s Position with Hyperion, doing similar
tasks involved with Employee’s Employment with Hyperion, for the companies
listed in Schedule A (attached hereto), that provide services or products that
are similar to those of Hyperion, without disclosing Hyperion’s trade secrets
in violation of the Employee Proprietary Information Agreement.

e.      Commencing on Employee’s termination and continuing thereafter, Employee
shall not directly or indirectly, personally or through others, disparage
Hyperion, or any of its predecessors, any of their products or services, any of
Hyperion’s current or former officers, directors or employees, nor make or
solicit any comments, statements, or the like to the media, on the internet, or
to others that may be considered derogatory or detrimental to the good name or
business reputation of any of the foregoing parties and entities.

f.      Employee acknowledges and agrees that Employee’s failure to perform any of
Employee’s covenants in this section would cause irreparable injury to
Hyperion, and cause damages to Hyperion that would be difficult or impossible
to ascertain or quantify. Accordingly, without limiting any other remedies
that may be available with respect to any breach of this Agreement, Employee
consents to the entry of an injunction to restrain any breach of this section.

g.      The covenants in this section shall survive any termination or expiration of
this Agreement, and the termination of Employee’s Employment with Hyperion, for
any reason.

6.      General

a.      Hyperion shall require any entity that assumes all, or substantially all, of
Hyperion’s assets to assume the obligations of this Agreement. Such an
assignment shall be binding upon any successor (whether direct or indirect and
whether by purchase, lease, merger, consolidation, liquidation or otherwise) to
all or substantially all of Hyperion’s business and/or assets. This Agreement
and all rights and obligations of Employee hereunder are personal to Employee
and may not be transferred or assigned by Employee at any time. However,
subject to the

	 	 	 	 	 
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	 	Hyperion Confidential
	 	 

 

 

foregoing and where expressly permitted under this Agreement, all rights of
Employee hereunder shall inure to the benefit of, and be enforceable by,
Employee’s personal or legal representatives, executors, administrators,
successors, heirs, distributees, devisees and legatees.

b.      The validity, performance and construction of this Agreement shall be
governed by the laws of the State of California, USA (excluding its conflict of
laws provisions). Santa Clara County, California shall be the appropriate
venue and jurisdiction for the resolution of disputes hereunder.

c.      All notices or communications to be given under this Agreement shall be in
writing and shall be deemed delivered upon hand delivery, upon delivery by a
courier service, upon acknowledged facsimile communication, or three (3) days
after deposit in the United States mail, postage prepaid, by certified,
registered or first class mail. In the case of Employee, notices shall be
addressed to Employee at the home address provided by Employee, or which
Employee most recently communicated to Hyperion in writing, and in the case of
Hyperion, notices shall be addressed to its corporate headquarters and directed
to the attention of the general counsel.

d.      All payments made under this Agreement shall be subject to reduction to
reflect taxes or other charges required to be withheld by law.

e.      In the event that any provision of this Agreement is prohibited by any law
governing its construction, performance or enforcement, such provision shall be
ineffective to the extent of such prohibition without invalidating thereby any
of the remaining provisions of the Agreement. The captions of sections herein
are intended for convenience only, and the same shall not be interpretive of
the content of such section.

f.      Subject to provisions of this agreement providing for injunctive relief, any
controversy or claim arising out of or relating to this Agreement or the breach
thereof, or Employee’s Employment or the termination thereof, shall be settled
in Santa Clara County, California, by arbitration in accordance with the
National Rules for the Resolution of Employment Disputes of the American
Arbitration Association. The decision of the arbitrator shall be final and
binding on the parties, and judgment on the award rendered by the arbitrator
may be entered in any court having jurisdiction thereof. The parties hereby
agree that the arbitrator shall be empowered to enter an equitable decree
mandating specific enforcement of the terms of this Agreement. Employee hereby
consents to personal jurisdiction of the state and federal courts located in
the County of Santa Clara in the State of California for any action or
proceeding arising from or relating to this Agreement or relating to any
arbitration in which the parties are participants.

g.      The terms and conditions of this Agreement may not be superseded, modified,
or amended except in writing which states that it is such a modification,
signed by Employee and an authorized officer of Hyperion (other than Employee).
No waiver by either party of any breach of, or of compliance with, any
condition or provision of this Agreement by the other party shall be considered
a waiver of any other condition or provision or of the same condition or
provision at another time.

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

i.      This Agreement, the Exhibit, any additional terms (“Additional Terms”)
specified in the Exhibit, Schedule A, the Employee Proprietary Information
Agreement, and the attached offer letter with the Offer Letter Date, constitute
the entire agreement between the parties as to the subject matter hereof, and
supersede and replace all prior or contemporaneous agreements, written or oral,
regarding such subject matter. In the event of any conflict between the terms
of these documents, the terms of this Agreement, unless expressly provided
herein, shall have precedence.

Accepted and Agreed:

	 	 	 	 	 
	Hyperion Solutions Corporation	 	Employee
	 
	 	 	 	 
	By:

	 	/s/ Godfrey Sullivan
	 	/s/ Burton M. Goldfield
	

	 	
 
	 	
 
	signature of authorized representative	 	signature
	 
	 	 	 	 
	Godfrey Sullivan	 	Burton M. Goldfield
	
 	 	
 
	printed name	 	printed name
	 
	 	 	 	 
	President and Chief Operating Officer	 	 
	
 	 	 
	title	 	 

	 	 	 	 	 
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	 	Hyperion Confidential
	 	 

 

 

	 	 	 	 	 
	

	 	EXECUTIVE EMPLOYMENT AGREEMENT	 	 
	

	 	EXHIBIT
	 	 

	 	 	 	 	 	 	 
	Employee Name:

	 	 	 	Effective Date:
	 	Offer Letter Date (if any):
	Burton M. Goldfield

	 	 	 	January 1, 2004
	 	November 23, 2003
	 
	 	 	 	 	 	 
	Employee Address:
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	Position (title):

	 	 	 	Supervisor (title):	 	 
	Senior Vice President, Worldwide Field Operations	 	President and Chief Operating Officer of Hyperion
	 
	 	 	 	 	 	 
	Employment (briefly describe nature of position):
	The Position is responsible for all activities related to global sales and services.
	 
	 	 	 	 	 	 
	Base Salary:

	 	 	 	 	 	Bonus Percentage:
	Three hundred thousand dollars ($300,000.00) per year	 	 	 	One hundred percent (100%)
	 
	 	 	 	 	 	 
	Initial Term:

	 	Renewal Period:
	 	 	 	Continuation Period:
	Twelve (12) months

	 	Twelve (12) months
	 	 	 	Twelve (12) months
	 
	 	 	 	 	 	 
	Additional Benefits (if any):
	1. Four (4) weeks of vacation per year, provided that no more than two (2) weeks of vacation shall continue to accrue into
subsequent years.
	2. Reimbursement for the reasonable and customary cost of an annual physical examination.
	 
	 	 	 	 	 	 
	Additional Terms (if any):
	1. In the event that the top five (5) officers (determined by total compensation) of Hyperion are offered new employment terms
relating to a change in ownership and/or control, such as employment terms relating to accelerated vested, or rights to
voluntary termination with severance benefits, then such new employment terms shall also be offered to Employee.

	 	 	 	 	 
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	 	Hyperion Confidential
	 	 

 

 

	 	 	 	 	 
	

	 	EXECUTIVE EMPLOYMENT AGREEMENT	 	 
	

	 	SCHEDULE A
	 	 

Business Objects SA

Cognos, Inc.

Microsoft Corporation, Server Division

MicroStrategy Inc.

PeopleSoft, Inc.

SAP AG

	 	 	 	 	 
	Page 6 of 6

	 	Hyperion Confidential<PAGE>
                                                                    EXHIBIT 10.1

                        CASH AMERICA INTERNATIONAL, INC.

                        AMENDMENT NO. 1 TO NOTE AGREEMENT

                                                         As of September 7, 2004

To the Persons Named on
Annex 1 Hereto

Ladies and Gentlemen:

      Cash America International, Inc., a Texas corporation (hereinafter, the
"COMPANY"), together with its successors and assigns, agrees with you as
follows:

1.    PRELIMINARY STATEMENTS.

      1.1.  NOTE ISSUANCE, ETC.

      The Company issued and sold $42,500,000 in aggregate principal amount of
its 7.20% Senior Notes due August 12, 2009 (as they may be amended, restated or
otherwise modified from time to time, the "SENIOR NOTES") pursuant to that
certain Note Agreement, dated as of August 12, 2002 (as in effect immediately
prior to giving effect to the Amendments (as defined below) provided for hereby,
the "EXISTING NOTE AGREEMENT", and as amended hereby, the "NOTE AGREEMENT"). The
register for the registration and transfer of the Senior Notes indicates that
the parties named in Annex 1 (the "CURRENT HOLDERS") to this Amendment No. 1 to
Note Agreement (this "AMENDMENT AGREEMENT") are currently the holders of the
entire outstanding principal amount of the Senior Notes.

2.    DEFINED TERMS.

      Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Note Agreement.

3.    AMENDMENTS TO THE EXISTING NOTE AGREEMENT.

      Subject to Section 5, the Existing Note Agreement is amended as provided
for by this Amendment Agreement as follows:

      3.1. SECTION 2.01; DEFINITIONS. Section 2.01 of the Existing Note
Agreement shall be and is hereby amended by inserting into such Section, in its
proper alphabetical order, the following definition:

      "FOREIGN ENTITY SALES" means the sale by the Company or any Subsidiary of
substantially all of the capital stock of each of (i) Harvey & Thompson Limited,
a limited liability company organized under the laws of the United Kingdom, and
(ii) CAII Pantbelaning, AB, a joint stock company organized under the laws of
Sweden."

<PAGE>

      3.2. SECTION 2.01; DEFINITION OF CONSOLIDATED TANGIBLE NET WORTH. The
definition of "CONSOLIDATED TANGIBLE NET WORTH" set forth in Section 2.01 of the
Existing Note Agreement shall be and is hereby amended by adding, at the end
thereof, the following:

      "For the avoidance of doubt, Consolidated Tangible Net Worth shall be
      calculated giving effect to all past and future gains and losses of
      Subsidiaries and other entities which are not Consolidated Subsidiaries,
      in each case as provided by GAAP."

      3.3. SECTION 5.07; ASSET SALE OFFER OF PREPAYMENT. Section 5 of the
Existing Note Agreement is hereby amended by inserting a new Section 5.07 at the
end thereof to read in its entirety as follows:

      "5.07 ASSET SALE OFFER OF PREPAYMENT.

      (a) Notice and Offer. In the event that the Company makes an offer (the
      "Prepayment Offer") to prepay the Notes pursuant to Section 8.16 hereof,
      the Company will give written notice of such offer to each holder of Notes
      by telecopy and, simultaneously with the sending of such telecopied
      notice, send a copy of such notice to each such holder via an overnight
      courier of international reputation. Such written notice shall contain,
      and such written notice shall constitute, an irrevocable offer to prepay,
      at the election of each holder, a portion of the Notes held by such holder
      equal to such holder's Ratable Portion (defined in Section 8.16) on a date
      specified in such notice (the "Transfer Prepayment Date") that is not less
      than thirty (30) days and not more than forty-five (45) days after the
      date of such notice. If the Transfer Prepayment Date shall not be
      specified in such notice, the Transfer Prepayment Date shall be the
      thirtieth (30th) day after the date of such notice. If the Company shall
      not have received a written response to such notice from a holder of Notes
      within ten (10) days after the delivery of such telecopied notice to such
      holder of Notes, then the Company shall immediately send a second written
      notice via an overnight courier of international reputation to each such
      holder of Notes who shall not have previously responded to the Company.

      (b) Acceptance and Payment. To accept such Prepayment Offer, a holder of
      Notes shall cause a notice of such acceptance to be delivered to the
      Company not later than twenty (20) days after the date of such first
      written notice (or not later than ten (10) days in the case of such second
      written notice) from the Company, provided, that failure to respond to
      such offer in writing within ten (10) days after the delivery of the
      second written notice shall be deemed to be acceptance of the Prepayment
      Offer. If so accepted, such offered prepayment equal to not less than such
      holder's Ratable Portion shall be due and payable on the Transfer
      Prepayment Date. Such offered prepayment shall be made at one hundred
      percent (100%) of the principal amount of such Notes being so prepaid,
      together with interest and Make-Whole Amount on such principal amount then
      being prepaid accrued to and calculated as of the Transfer Prepayment
      Date. Two (2) Business Days prior to the making of any such prepayment,
      the Company shall deliver to each accepting holder of Notes by facsimile
      transmission a certificate of a senior financial officer of the Company,
      specifying the details of the calculation of such Ratable Portion and
      applicable Make Whole Amount as of such Transfer Prepayment Date.

                                       2

<PAGE>

      (c) Officer's Certificate. Each offer to prepay the Notes pursuant to this
      Section 5.07 shall be accompanied by a certificate, executed by a senior
      financial officer of the Company and dated the date of such offer,
      specifying:

            (i) the Transfer Prepayment Date and the applicable Ratable Portion
      for each holder of Notes;

            (ii) that such offer is being made pursuant to Section 5.07 and
      Section 8.16 of this Agreement;

            (iv) the principal amount of each Note offered to be prepaid;

            (v) the interest that would be due on each such Note offered to be
      prepaid, accrued to the date fixed for payment; and

            (vi) a calculation of the applicable Make Whole Amount as of the
      date of such notice (assuming the Notes were being prepaid on such date)

      (d) Effect of Prepayment. Each prepayment in respect of the Notes pursuant
      to this Section 5.07 shall be applied to reduce ratably all remaining
      payments then due on the Notes as provided in Section 5.01.

      (e) Notice Concerning Status of Holders of Notes. Promptly after each
      Transfer Prepayment Date and the making of all prepayments contemplated on
      such Transfer Prepayment Date under this Section 5.07 (and, in any event,
      within thirty (30) days thereafter), the Company shall deliver to each
      holder of Notes a certificate signed by a senior financial officer of the
      Company containing a list of the then current holders of Notes (together
      with their addresses) and setting forth as to each such holder the
      outstanding principal amount of Notes held by such holder at such time."

      3.4. SECTION 8; AFFIRMATIVE COVENANTS. Section 8 of the Existing Note
Agreement is hereby amended by inserting a new Section 8.16 at the end thereof
to read in its entirety as follows:

      "8.16 ACQUISITION/PREPAYMENT.

      On or before November 1, 2005 the Company shall have either:

            (a) Acquired all of the capital stock of each of CAMCO, Inc., a
            Nevada corporation and Superpawn, Inc., a Nevada corporation; or

            (b) repaid Indebtedness for Borrowed Money of the Company (other
            than Indebtedness for Borrowed Money owing to the Company or any of
            its Affiliates and Indebtedness for Borrowed Money in respect of any
            revolving credit or similar credit facility providing the Company
            with the right to obtain loans or other extensions of credit from
            time to time, except to the extent that in connection with such
            payment of Indebtedness for Borrowed Money the availability of
            credit under such credit facility is permanently reduced by an

                                       3

<PAGE>

            amount not less than the amount of the funds applied to the payment
            of such Indebtedness for Borrowed Money) which by its terms is not
            subordinated in right of payment to the Notes ("Payment
            Indebtedness"); provided that in that course of making such
            repayment the Company shall offer to prepay each outstanding Note in
            accordance with Section 5.07 in a principal amount which, when added
            to the Make-Whole Amount applicable thereto, equals the Ratable
            Portion for such Note. If any holder of a Note fails to accept such
            prepayment, then, for purposes of the preceding sentence only, the
            Company nevertheless will be deemed to have paid Payment
            Indebtedness in an amount equal to the Ratable Portion in respect of
            such Note. As used herein the term "Ratable Portion" in respect of a
            holder of Notes means the product of (x) the Remaining Proceeds
            Amount multiplied by (y) a fraction the numerator of which is the
            outstanding principal amount of Notes held by such holder and the
            denominator of which is the aggregate principal amount of Payment
            Indebtedness then outstanding (including Payment Indebtedness
            evidenced by the Notes) that will receive or be offered any portion
            of such repayment (calculated immediately prior to such repayment
            and offer). As used herein the term "Remaining Proceeds Amount"
            shall be an amount equal to the greater of (1) zero (0) and (2) the
            result of (A) $80,000,000 minus (B) the aggregate cash consideration
            paid by the Company to acquire one or more operating businesses
            engaged in the same line of business as the Company during the
            period beginning September 1, 2004 and ending November 1, 2005."

      3.5. SECTION 9.02; CONSOLIDATED TANGIBLE NET WORTH. Section 9.02 of the
Existing Note Agreement shall be and is hereby amended and replaced in its
entirety to read as follows:

            "9.02 CONSOLIDATED TANGIBLE NET WORTH.

            (a) If, on or before November 1, 2005, the Company has acquired all
            the capital stock of each of CAMCO, Inc., a Nevada corporation and
            Superpawn, Inc., a Nevada corporation, then the Company will not
            permit Consolidated Tangible Net Worth at any time to be less than
            the sum of (i) $66,676,000 plus (ii) 50% of Consolidated Adjusted
            Net Income (but only if positive) for each Fiscal Quarter ending on
            or after August 12, 2002.

            (b) If, on or before November 1, 2005, the Company has not (i)
            acquired all the capital stock of each of CAMCO, Inc., a Nevada
            corporation and Superpawn, Inc., a Nevada corporation or (ii)
            completed at least $80,000,000 of replacement acquisitions, then the
            Company will not permit Consolidated Tangible Net Worth at any time
            to be less than the sum of (i) $93,000,000 plus (ii) 50% of
            Consolidated Adjusted Net Income (but only if positive) for each
            Fiscal Quarter ending on or after the Closing Date."

      3.6. SECTION 9.14; LIMITATION ON SALE OR ISSUANCE OF SUBSIDIARY STOCK.
Each of Sections 9.14(a) and 9.14(b) of the Existing Note Agreement shall be and
is hereby amended by adding at the end of each such Section the following:
"Notwithstanding the foregoing, the Company or any Subsidiary may at any time
prior to November 1, 2004 complete any one or

                                       4

<PAGE>

more Foreign Entity Sales so long as no Default or Event of Default exists at
the time of such Foreign Entity Sale."

      3.7. SECTION 9.15; LIMITATION ON SALE OF PROPERTIES. Section 9.15 of the
Existing Note Agreement shall be and is hereby amended by inserting the
following sentence at the end of such Section, to read in its entirety as
follows:

      "Notwithstanding the foregoing, the Company or any Subsidiary may at any
      time prior to November 1, 2004 complete any one or more Foreign Entity
      Sales, so long as no Default or Event of Default exists at the time of
      such Foreign Entity Sale."

Such amendments are referred to herein, collectively, as the "AMENDMENTS."

4.    REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

      To induce you to enter into this Amendment Agreement and to consent to the
Amendments, the Company represents and warrants to you as follows:

      4.1.  FULL DISCLOSURE.

      Neither the financial statements and other certificates previously
provided to each of the Current Holders pursuant to the provisions of the
Existing Note Agreement nor the statements made in this Amendment Agreement nor
any other written statements furnished to each of the Current Holders by or on
behalf of the Company in connection with the proposal and negotiation of the
transactions contemplated hereby, taken as a whole, contained any untrue
statement of a material fact or omitted a material fact necessary to make the
statements contained therein and herein not misleading, in each case as of the
time such financial statements or certificates were provided or such statements
were made or furnished. There is no fact known to the Company relating to any
event or circumstance that has occurred or arisen since the Closing Date that
the Company has not disclosed to each of the Current Holders in writing that has
had or, so far as the Company can now reasonably foresee, could reasonably be
expected to have, a Material Adverse Effect.

      4.2.  POWER AND AUTHORITY.

      The Company has all requisite corporate power and authority to enter into
and perform its obligations under this Amendment Agreement.

      4.3.  DUE AUTHORIZATION.

      This Amendment Agreement has been duly authorized by all necessary action
on the part of the Company, has been executed and delivered by a duly authorized
officer of the Company, and constitutes a legal, valid and binding obligation of
the Company, enforceable in accordance with its terms, except that
enforceability may be limited by applicable bankruptcy, reorganization,
arrangement, insolvency, moratorium, or other similar laws affecting the
enforceability of creditors' rights generally and subject to the availability of
equitable remedies.

      4.4.  NO DEFAULTS.

                                       5

<PAGE>

      No event has occurred and no condition exists that, upon the execution and
delivery of this Amendment Agreement, would constitute a Default or an Event of
Default.

5.    EFFECTIVENESS OF AMENDMENTS.

      The Amendments shall become effective as of the first date written above
(the "EFFECTIVE DATE") upon the satisfaction of all of the following conditions
precedent:

      5.1.  EXECUTION AND DELIVERY OF THIS AMENDMENT AGREEMENT.

      The Company and each of the Current Holders shall have executed and
delivered this Amendment Agreement.

      5.2.  NEW BANK LOAN AGREEMENT CONSENT.

      Each of the Current Holders shall have received an executed amendment by
and among the Company, Wells Fargo Bank Texas, National Association and the
other Lenders party to the New Bank Loan Agreement, permitting the Company's
sale of each of (i) Harvey & Thompson Limited, a limited liability company
organized under the laws of the United Kingdom, and (ii) Svensk Pantbelaning
Service, AB, a joint stock company organized under the laws of Sweden, and
waiving the Company's compliance with various sections of the New Bank Loan
Agreement with respect to such sale.

      5.3.  GUARANTORS.

      Each Guarantor which delivered a Joint and Several Guaranty shall have
executed and delivered to you the Consent and Reaffirmation attached hereto as
Exhibit A.

      5.4.  AMENDMENT FEE.

      The Company shall have paid each holder of a Note a fee in an amount equal
to the product of (a) 0.10 percent (10 basis points) times (b) the outstanding
principal amount of Notes held by such holder on the date hereof.

      5.5.  FEES AND EXPENSES.

      Whether or not the Amendments become effective, the Company will promptly
(and in any event within thirty Business Days of receiving any statement or
invoice therefor) pay all reasonable fees, expenses and costs relating to this
Amendment Agreement, including, but not limited to, the reasonable fees of your
special counsel, Bingham McCutchen LLP, incurred in connection with the
preparation, negotiation and delivery of this Amendment Agreement and any other
documents related thereto. Nothing in this Section shall limit the Company's
obligations pursuant to Section 11.02 of the Note Agreement.

                                       6

<PAGE>

6.    MISCELLANEOUS.

      6.1.  PART OF EXISTING NOTE AGREEMENT; FUTURE REFERENCES, ETC.

      This Amendment Agreement shall be construed in connection with and as a
part of the Existing Note Agreement and, except as expressly amended by this
Amendment Agreement, all terms, conditions and covenants contained in the
Existing Note Agreement are hereby ratified and shall be and remain in full
force and effect. Any and all notices, requests, certificates and other
instruments executed and delivered after the execution and delivery of this
Amendment Agreement may refer to the Existing Note Agreement without making
specific reference to this Amendment Agreement, but nevertheless all such
references shall include this Amendment Agreement unless the context otherwise
requires.

      6.2.  COUNTERPARTS.

      This Amendment Agreement may be executed in any number of counterparts,
each of which shall be an original but all of which together shall constitute
one instrument. Each counterpart may consist of a number of copies hereof, each
signed by less than all, but together signed by all, of the parties hereto.

      6.3.  GOVERNING LAW.

      THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE
WITH, AND THE RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE
OF NEW YORK EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT
WOULD REQUIRE THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN NEW YORK.

   [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK; NEXT PAGE IS SIGNATURE PAGE.]

                                       7

<PAGE>

      If you are in agreement with the foregoing, please so indicate by signing
the acceptance below on the accompanying counterpart of this agreement and
returning it to the Company, whereupon it will become a binding agreement among
you and the Company.

                                           CASH AMERICA INTERNATIONAL, INC.

                                           By:  /s/ David J. Clay
                                               ---------------------------------
                                           Name:    David J. Clay
                                           Title:   Vice President and Treasurer

      The foregoing Amendment Agreement is hereby accepted as of the date first
above written. By its execution below, each of the undersigned represents that
it is either the registered owner of one or more of the Senior Notes or is the
beneficial owner of one or more of the Senior Notes and is authorized to enter
into this Agreement in respect thereof.

TEACHERS INSURANCE AND ANNUITY
ASSOCIATION OF AMERICA

      By: /s/ Estelle Simsolo
          ---------------------------------
      Name:   Estelle Simsolo
      Title:  Director-Private Placements

MINNESOTA LIFE INSURANCE COMPANY
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ Robert W. Thompson
          ---------------------------------
      Name:  Robert W. Thompson
      Title: Vice President

FARM BUREAU LIFE INSURANCE COMPANY
OF MICHIGAN
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ Robert W. Thompson
          ---------------------------------
      Name:   Robert W. Thompson
      Title:  Vice President

              [Signature Page to Amendment No. 1 to Note Agreement]

<PAGE>

MTL INSURANCE COMPANY
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ Robert W. Thompson
          ---------------------------------
      Name:   Robert W. Thompson
      Title:  Vice President

AMERICAN FIDELITY ASSURANCE COMPANY
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ Robert W. Thompson
          ---------------------------------
      Name:   Robert W. Thompson
      Title:  Vice President

GREAT WESTERN INSURANCE COMPANY
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ Robert W. Thompson
          ---------------------------------
      Name:   Robert W. Thompson
      Title:  Vice President

              [Signature Page to Amendment No. 1 to Note Agreement]

<PAGE>

FARM BUREAU MUTUAL INSURANCE COMPANY
OF MICHIGAN
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ James W. Tobin
          ---------------------------------
      Name:   James W. Tobin
      Title:  Vice President

FARM BUREAU GENERAL INSURANCE COMPANY
OF MICHIGAN
BY: ADVANTUS CAPITAL MANAGEMENT, INC.

      By: /s/ James W. Tobin
          ---------------------------------
      Name:   James W. Tobin
      Title:  Vice President

THE TRAVELERS INSURANCE COMPANY

      By: /s/ Denise T. Duffee
          ---------------------------------
      Name:   Denise T. Duffee
      Title:  Investment Officer

              [Signature Page to Amendment No. 1 to Note Agreement]

<PAGE>

                                     ANNEX 1

                                 CURRENT HOLDERS

Teachers Insurance and Annuity Association of America
Minnesota Life Insurance Company
Farm Bureau Life Insurance Company of Michigan
MTL Insurance Company
American Fidelity Assurance Company
Great Western Insurance Company
Farm Bureau Mutual Insurance Company of Michigan
Farm Bureau General Insurance Company of Michigan
The Travelers Insurance Company

<PAGE>

                                    EXHIBIT A

                            CONSENT AND REAFFIRMATION

      Each of the undersigned (the "GUARANTORS") hereby (i) acknowledges receipt
of a copy of the foregoing Amendment No. 1 to Note Agreement (the "FIRST
AMENDMENT"); (ii) consents to the Company's execution and delivery thereof;
(iii) agrees to be bound thereby; and (iv) affirms that nothing contained
therein shall modify in any respect whatsoever its guaranty of the obligations
of the Company to the holders of the Notes pursuant to the terms of those
certain Joint and Several Guaranties, entered into by the Guarantors pursuant to
the terms of the Note Agreement (collectively, the "GUARANTY"), and (v)
reaffirms that the Guaranty is and shall continue to remain in full force and
effect. Although each of the Guarantors has been informed of the matters set
forth herein and in the First Amendment and has acknowledged and agreed to same,
such Guarantors understand that the holders of the Notes have no obligation to
inform any of the Guarantors of such matters in the future or to seek any of the
Guarantors' acknowledgment or agreement to future amendments or waivers, and
nothing herein shall create such a duty.

      In witness whereof, each of the undersigned has executed this Consent and
Reaffirmation on and as of the date of such First Amendment.

                                        GUARANTORS

                        BRONCO PAWN & GUN, INC., AN OKLAHOMA CORPORATION
                        CASH AMERICA FINANCIAL SERVICES, INC.,
                         A DELAWARE CORPORATION
                        CASH AMERICA FRANCHISING, INC.
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA MANAGEMENT L.P.,
                         A DELAWARE LIMITED PARTNERSHIP, BY ITS GENERAL PARTNER,
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA OF MISSOURI, INC.
                        CASH AMERICA PAWN L.P., A DELAWARE LIMITED PARTNERSHIP,
                         BY ITS GENERAL PARTNER, CASH AMERICA HOLDING, INC.
                        CASH AMERICA PAWN, INC. OF OHIO
                        CASH AMERICA, INC.
                        CASH AMERICA, INC. OF ALABAMA
                        CASH AMERICA, INC. OF COLORADO
                        CASH AMERICA, INC. OF ILLINOIS, AN ILLINOIS CORPORATION
                        CASH AMERICA, INC. OF INDIANA
                        CASH AMERICA, INC. OF KENTUCKY
                        CASH AMERICA, INC. OF LOUISIANA
                        CASH AMERICA, INC. OF NORTH CAROLINA
                        CASH AMERICA, INC. OF OKLAHOMA
                        CASH AMERICA, INC. OF SOUTH CAROLINA
                        CASH AMERICA, INC. OF TENNESSEE
                        CASH AMERICA, INC. OF UTAH

      [Signature page to Consent and Reaffirmation re: 2002 Note Agreement]

<PAGE>

                        DOC HOLLIDAY'S PAWNBROKERS & JEWELLERS, INC.,
                         A DELAWARE CORPORATION
                        EXPRESS CASH INTERNATIONAL CORPORATION
                        FLORIDA CASH AMERICA, INC.
                        GAMECOCK PAWN & GUN, INC., A SOUTH CAROLINA CORPORATION
                        GEORGIA CASH AMERICA, INC.
                        HORNET PAWN & GUN, INC., A NORTH CAROLINA CORPORATION
                        LONGHORN PAWN & GUN, INC., A TEXAS CORPORATION
                        MR. PAYROLL CORPORATION, A DELAWARE CORPORATION
                        TIGER PAWN & GUN, INC., A TENNESSEE CORPORATION
                        UPTOWN CITY PAWNERS, INC., AN ILLINOIS CORPORATION
                        VINCENT'S JEWELERS AND LOAN, INC.
                        CASHLAND FINANCIAL SERVICES, INC.
                        CASH AMERICA ADVANCE, INC.
                        RATI HOLDING, INC.

                        By: /s/ David J. Clay
                            -----------------------------------------------
                        Name:   David J. Clay
                        Title:  Treasurer for All

                        CASH AMERICA INTERNATIONAL, INC.

                        By: /s/ David J. Clay
                            -----------------------------------------------
                        Name:   David  J. Clay
                        Title:  Vice President and Treasurer

      [Signature page to Consent and Reaffirmation re: 2002 Note Agreement]
<PAGE>

                        CASH AMERICA INTERNATIONAL, INC.

                       SUPPLEMENT NO. 5 TO NOTE AGREEMENT

                                                         As of September 7, 2004

To the Persons Named on
Annex 1 Hereto

Ladies and Gentlemen:

      Cash America International, Inc., a Texas corporation (hereinafter, the
"COMPANY"), together with its successors and assigns, agrees with you as
follows:

1.    PRELIMINARY STATEMENTS.

      1.1.  NOTE ISSUANCE, ETC.

      The Company issued and sold $30,000,000 in aggregate principal amount of
its 7.10% Senior Notes due January 2, 2008 (as they may be amended, restated or
otherwise modified from time to time, the "SENIOR NOTES") pursuant to that
certain Note Agreement, dated as of December 1, 1997 (as amended by each of (i)
that certain First Supplement to 1997 Note Agreement, dated as of December 31,
1998, (ii) that certain Second Supplement to 1997 Note Agreement, dated as of
September 29, 1999, (iii) that certain Third Supplement to 1997 Note Agreement,
dated as of June 30, 2000, and (iv) that certain Fourth Supplement to 1997 Note
Agreement, dated as of September 30, 2001, and as in effect immediately prior to
giving effect to the Amendments (as defined below) provided for hereby, the
"EXISTING NOTE AGREEMENT", and as amended hereby, the "NOTE AGREEMENT"). The
register for the registration and transfer of the Senior Notes indicates that
the parties named in Annex 1 (the "CURRENT HOLDERS") to this Supplement No. 5 to
Note Agreement (this "AMENDMENT AGREEMENT") are currently the holders of the
entire outstanding principal amount of the Senior Notes.

2.    DEFINED TERMS.

      Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Note Agreement.

3.    AMENDMENTS TO THE EXISTING NOTE AGREEMENT.

      Subject to Section 5, the Existing Note Agreement is amended as provided
for by this Amendment Agreement as follows:

      3.1. SECTION 2.01; DEFINITIONS. Section 2.01 of the Existing Note
Agreement shall be and is hereby amended by inserting into such Section, in its
proper alphabetical order, the following definition:

      "Foreign Entity Sales" means the sale by the Company or any Subsidiary of
substantially all of the capital stock of each of (i) Harvey & Thompson Limited,
a limited liability company

<PAGE>

organized under the laws of the United Kingdom, and (ii) CAII Pantbelaning, AB,
a joint stock company organized under the laws of Sweden."

      3.2. SECTION 2.01; DEFINITION OF CONSOLIDATED TANGIBLE NET WORTH. The
definition of "Consolidated Tangible Net Worth" set forth in Section 2.01 of the
Existing Note Agreement shall be and is hereby amended by adding, at the end
thereof, the following:

      "For the avoidance of doubt, Consolidated Tangible Net Worth shall be
      calculated giving effect to all past and future gains and losses of
      Subsidiaries and other entities which are not Consolidated Subsidiaries,
      in each case as provided by GAAP."

      3.3. SECTION 5.07; ASSET SALE OFFER OF PREPAYMENT. Section 5 of the
Existing Note Agreement is hereby amended by inserting a new Section 5.07 at the
end thereof to read in its entirety as follows:

      "Section 5.07; Asset Sale Offer of Prepayment.

      (a) Notice and Offer. In the event that the Company makes an offer (the
      "Prepayment Offer") to prepay the Notes pursuant to Section 8.15 hereof,
      the Company will give written notice of such offer to each holder of Notes
      by telecopy and, simultaneously with the sending of such telecopied
      notice, send a copy of such notice to each such holder via an overnight
      courier of international reputation. Such written notice shall contain,
      and such written notice shall constitute, an irrevocable offer to prepay,
      at the election of each holder, a portion of the Notes held by such holder
      equal to such holder's Ratable Portion (defined in Section 8.15) on a date
      specified in such notice (the "Transfer Prepayment Date") that is not less
      than thirty (30) days and not more than forty-five (45) days after the
      date of such notice. If the Transfer Prepayment Date shall not be
      specified in such notice, the Transfer Prepayment Date shall be the
      thirtieth (30th) day after the date of such notice. If the Company shall
      not have received a written response to such notice from a holder of Notes
      within ten (10) days after the delivery of such telecopied notice to such
      holder of Notes, then the Company shall immediately send a second written
      notice via an overnight courier of international reputation to each such
      holder of Notes who shall not have previously responded to the Company.

      (b) Acceptance and Payment. To accept such Prepayment Offer, a holder of
      Notes shall cause a notice of such acceptance to be delivered to the
      Company not later than twenty (20) days after the date of such first
      written notice (or not later than ten (10) days in the case of such second
      written notice) from the Company, provided, that failure to respond to
      such offer in writing within ten (10) days after the delivery of the
      second written notice shall be deemed to be acceptance of the Prepayment
      Offer. If so accepted, such offered prepayment equal to not less than such
      holder's Ratable Portion shall be due and payable on the Transfer
      Prepayment Date. Such offered prepayment shall be made at one hundred
      percent (100%) of the principal amount of such Notes being so prepaid,
      together with interest and Make-Whole Amount on such principal amount then
      being prepaid accrued to and calculated as of the Transfer Prepayment
      Date. Two (2) Business Days prior to the making of any such prepayment,
      the Company shall deliver to each accepting holder of Notes by facsimile
      transmission a certificate of a senior financial

                                       2

<PAGE>

      officer of the Company, specifying the details of the calculation of such
      Ratable Portion and applicable Make Whole Amount as of such Transfer
      Prepayment Date.

      (c) Officer's Certificate. Each offer to prepay the Notes pursuant to this
      Section 5.07 shall be accompanied by a certificate, executed by a senior
      financial officer of the Company and dated the date of such offer,
      specifying:

            (i) the Transfer Prepayment Date and the applicable Ratable Portion
      for each holder of Notes;

            (ii) that such offer is being made pursuant to Section 5.07 and
      Section 8.15 of this Agreement;

            (iv) the principal amount of each Note offered to be prepaid;

            (v) the interest that would be due on each such Note offered to be
      prepaid, accrued to the date fixed for payment; and

            (vi) a calculation of the applicable Make Whole Amount as of the
      date of such notice (assuming the Notes were being prepaid on such date)

      (d) Effect of Prepayment. Each prepayment in respect of the Notes pursuant
      to this Section 5.07 shall be applied to reduce ratably all remaining
      payments then due on the Notes as provided in Section 5.01.

      (e) Notice Concerning Status of Holders of Notes. Promptly after each
      Transfer Prepayment Date and the making of all prepayments contemplated on
      such Transfer Prepayment Date under this Section 5.07 (and, in any event,
      within thirty (30) days thereafter), the Company shall deliver to each
      holder of Notes a certificate signed by a senior financial officer of the
      Company containing a list of the then current holders of Notes (together
      with their addresses) and setting forth as to each such holder the
      outstanding principal amount of Notes held by such holder at such time."

      3.4. SECTION 8; AFFIRMATIVE COVENANTS. Section 8 of the Existing Note
Agreement is hereby amended by inserting a new Section 8.15 at the end thereof
to read in its entirety as follows:

      "Section 8.15 Acquisition/Prepayment.

      On or before November 1, 2005 the Company shall have either:

            (a) Acquired all of the capital stock of each of CAMCO, Inc., a
            Nevada corporation and SuperPawn, Inc., a Nevada corporation; or

            (b) repaid Indebtedness for Borrowed Money of the Company (other
            than Indebtedness for Borrowed Money owing to the Company or any of
            its Affiliates and Indebtedness for Borrowed Money in respect of any
            revolving credit or similar credit facility providing the Company
            with the right to obtain loans or

                                       3

<PAGE>

            other extensions of credit from time to time, except to the extent
            that in connection with such payment of Indebtedness for Borrowed
            Money the availability of credit under such credit facility is
            permanently reduced by an amount not less than the amount of the
            funds applied to the payment of such Indebtedness for Borrowed
            Money) which by its terms is not subordinated in right of payment to
            the Notes ("Payment Indebtedness"); provided that in that course of
            making such repayment the Company shall offer to prepay each
            outstanding Note in accordance with Section 5.07 in a principal
            amount which, when added to the Make-Whole Amount applicable
            thereto, equals the Ratable Portion for such Note. If any holder of
            a Note fails to accept such prepayment, then, for purposes of the
            preceding sentence only, the Company nevertheless will be deemed to
            have paid Payment Indebtedness in an amount equal to the Ratable
            Portion in respect of such Note. As used herein the term "Ratable
            Portion" in respect of a holder of Notes means the product of (x)
            the Remaining Proceeds Amount multiplied by (y) a fraction the
            numerator of which is the outstanding principal amount of Notes held
            by such holder and the denominator of which is the aggregate
            principal amount of Payment Indebtedness then outstanding (including
            Payment Indebtedness evidenced by the Notes) that will receive or be
            offered any portion of such repayment (calculated immediately prior
            to such repayment and offer). As used herein the term "Remaining
            Proceeds Amount" shall be an amount equal to the greater of (1) zero
            (0) and (2) the result of (A) $80,000,000 minus (B) the aggregate
            cash consideration paid by the Company to acquire one or more
            operating businesses engaged in the same line of business as the
            Company during the period beginning September 1, 2004 and ending
            November 1, 2005."

      3.5. SECTION 9.02; CONSOLIDATED TANGIBLE NET WORTH. Section 9.02 of the
Existing Note Agreement shall be and is hereby amended and replaced in its
entirety to read as follows:

            "Section 9.02 Consolidated Tangible Net Worth.

            (a) If, on or before November 1, 2005, the Company has acquired all
            the capital stock of each of CAMCO, Inc., a Nevada corporation and
            SuperPawn, Inc., a Nevada corporation, then the Company will not
            permit Consolidated Tangible Net Worth at any time to be less than
            the sum of (i) $66,676,000 plus (ii) 50% of Consolidated Adjusted
            Net Income (but only if positive) for each Fiscal Quarter ending on
            or after August 12, 2002.

            (b) If, on or before November 1, 2005, the Company has not (i)
            acquired all the capital stock of each of CAMCO, Inc., a Nevada
            corporation and SuperPawn, Inc., a Nevada corporation or (ii)
            completed at least $80,000,000 of replacement acquisitions, then the
            Company will not permit Consolidated Tangible Net Worth at any time
            to be less than the sum of (i) $30,625,000 plus (ii) 50% of
            Consolidated Adjusted Net Income (but only if positive) for each
            Fiscal Quarter ending on or after December 31, 1992."

      3.6. SECTION 9.14; LIMITATION ON SALE OR ISSUANCE OF SUBSIDIARY STOCK.
Each of Sections 9.14(a) and 9.14(b) of the Existing Note Agreement shall be and
is hereby amended by

                                       4

<PAGE>

adding at the end of each such Section the following: "Notwithstanding the
foregoing, the Company or any Subsidiary may at any time prior to November 1,
2004 complete any one or more Foreign Entity Sales so long as no Default or
Event of Default exists at the time of such Foreign Entity Sale."

      3.7. SECTION 9.15; LIMITATION ON SALE OF PROPERTIES. Section 9.15 of the
Existing Note Agreement shall be and is hereby amended by inserting the
following sentence at the end of such Section, to read in its entirety as
follows:

      "Notwithstanding the foregoing, the Company or any Subsidiary may at any
      time prior to November 1, 2004 complete any one or more Foreign Entity
      Sales, so long as no Default or Event of Default exists at the time of
      such Foreign Entity Sale."

Such amendments are referred to herein, collectively, as the "AMENDMENTS."

4.    REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

      To induce you to enter into this Amendment Agreement and to consent to the
Amendments, the Company represents and warrants to you as follows:

      4.1.  FULL DISCLOSURE.

      Neither the financial statements and other certificates previously
provided to each of the Current Holders pursuant to the provisions of the
Existing Note Agreement nor the statements made in this Amendment Agreement nor
any other written statements furnished to each of the Current Holders by or on
behalf of the Company in connection with the proposal and negotiation of the
transactions contemplated hereby, taken as a whole, contained any untrue
statement of a material fact or omitted a material fact necessary to make the
statements contained therein and herein not misleading, in each case as of the
time such financial statements or certificates were provided or such statements
were made or furnished. There is no fact known to the Company relating to any
event or circumstance that has occurred or arisen since the Closing Date that
the Company has not disclosed to each of the Current Holders in writing that has
had or, so far as the Company can now reasonably foresee, could reasonably be
expected to have, a Material Adverse Effect.

      4.2.  POWER AND AUTHORITY.

      The Company has all requisite corporate power and authority to enter into
and perform its obligations under this Amendment Agreement.

      4.3.  DUE AUTHORIZATION.

      This Amendment Agreement has been duly authorized by all necessary action
on the part of the Company, has been executed and delivered by a duly authorized
officer of the Company, and constitutes a legal, valid and binding obligation of
the Company, enforceable in accordance with its terms, except that
enforceability may be limited by applicable bankruptcy, reorganization,
arrangement, insolvency, moratorium, or other similar laws affecting the
enforceability of creditors' rights generally and subject to the availability of
equitable remedies.

                                       5

<PAGE>

      4.4.  NO DEFAULTS.

      No event has occurred and no condition exists that, upon the execution and
delivery of this Amendment Agreement, would constitute a Default or an Event of
Default.

5.    EFFECTIVENESS OF AMENDMENTS.

      The Amendments shall become effective as of the first date written above
(the "EFFECTIVE DATE") upon the satisfaction of all of the following conditions
precedent:

      5.1.  EXECUTION AND DELIVERY OF THIS AMENDMENT AGREEMENT.

      The Company and each of the Current Holders shall have executed and
delivered this Amendment Agreement.

      5.2.  NEW BANK LOAN AGREEMENT CONSENT.

      Each of the Current Holders shall have received an executed amendment by
and among the Company, Wells Fargo Bank Texas, National Association and the
other Lenders party to that certain Credit Agreement, dated as of August 14,
2002 (the "NEW BANK LOAN AGREEMENT"), permitting the Company's sale of each of
(i) Harvey & Thompson Limited, a limited liability company organized under the
laws of the United Kingdom, and (ii) Svensk Pantbelaning Service, AB, a joint
stock company organized under the laws of Sweden, and waiving the Company's
compliance with various sections of the New Bank Loan Agreement with respect to
such sale.

      5.3.  GUARANTORS.

      Each Guarantor which delivered a Joint and Several Guaranty shall have
executed and delivered to you the Consent and Reaffirmation attached hereto as
Exhibit A.

      5.4.  AMENDMENT FEE.

      The Company shall have paid each holder of a Note a fee in an amount equal
to the product of (a) 0.10 percent (10 basis points) times (b) the outstanding
principal amount of Notes held by such holder on the date hereof.

      5.5.  FEES AND EXPENSES.

      Whether or not the Amendments become effective, the Company will promptly
(and in any event within thirty Business Days of receiving any statement or
invoice therefor) pay all reasonable fees, expenses and costs relating to this
Amendment Agreement, including, but not limited to, the reasonable fees of your
special counsel, Bingham McCutchen LLP, incurred in connection with the
preparation, negotiation and delivery of this Amendment Agreement and any other
documents related thereto. Nothing in this Section shall limit the Company's
obligations pursuant to Section 11.02 of the Note Agreement.

                                       6

<PAGE>

6.    MISCELLANEOUS.

      6.1.  PART OF EXISTING NOTE AGREEMENT; FUTURE REFERENCES, ETC.

      This Amendment Agreement shall be construed in connection with and as a
part of the Existing Note Agreement and, except as expressly amended by this
Amendment Agreement, all terms, conditions and covenants contained in the
Existing Note Agreement are hereby ratified and shall be and remain in full
force and effect. Any and all notices, requests, certificates and other
instruments executed and delivered after the execution and delivery of this
Amendment Agreement may refer to the Existing Note Agreement without making
specific reference to this Amendment Agreement, but nevertheless all such
references shall include this Amendment Agreement unless the context otherwise
requires.

      6.2.  COUNTERPARTS.

      This Amendment Agreement may be executed in any number of counterparts,
each of which shall be an original but all of which together shall constitute
one instrument. Each counterpart may consist of a number of copies hereof, each
signed by less than all, but together signed by all, of the parties hereto.

      6.3.  GOVERNING LAW.

      THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE
WITH, AND THE RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE
OF NEW YORK EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT
WOULD REQUIRE THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN NEW YORK.

   [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK; NEXT PAGE IS SIGNATURE PAGE.]

                                       7
<PAGE>

      If you are in agreement with the foregoing, please so indicate by signing
the acceptance below on the accompanying counterpart of this agreement and
returning it to the Company, whereupon it will become a binding agreement among
you and the Company.

                                           CASH AMERICA INTERNATIONAL, INC.

                                           By: /s/ David J. Clay
                                               ---------------------------------
                                           Name:   David J. Clay
                                           Title:  Vice President and Treasurer

      The foregoing Amendment Agreement is hereby accepted as of the date first
above written. By its execution below, each of the undersigned represents that
it is either the registered owner of one or more of the Senior Notes or is the
beneficial owner of one or more of the Senior Notes and is authorized to enter
into this Agreement in respect thereof.

THE TRAVELERS INSURANCE COMPANY

By: /s/ Denise T. Duffee
    ------------------------------------
Name:   Denise T. Duffee
Title:  Investment Officer

THE TRAVELERS LIFE AND ANNUITY COMPANY

By: /s/ Denise T. Duffee
    ------------------------------------
Name:   Denise T. Duffee
Title:  Investment Officer

PRIMERICA LIFE INSURANCE COMPANY

By: /s/ Denise T. Duffee
    ------------------------------------
Name:   Denise T. Duffee
Title:  Investment Officer

             [Signature Page to Supplement No. 5 to Note Agreement]

<PAGE>

NATIONWIDE LIFE INSURANCE COMPANY

By: /s/ Joseph P. Young
    ------------------------------------
Name:   Joseph P. Young
Title:  Authorized Signatory

NATIONWIDE LIFE INSURANCE COMPANY
(AS SUCCESSOR TO EMPLOYERS LIFE INSURANCE COMPANY
OF WAUSAU)

By: /s/ Joseph P. Young
    ------------------------------------
Name:   Joseph P. Young
Title:  Authorized Signatory

OHIO NATIONAL LIFE ASSURANCE CORPORATION

By: /s/ Michael Boedeker
    ------------------------------------
Name:   Michael Boedeker
Title:  Sr. Vice President, Investments

MINNESOTA LIFE INSURANCE COMPANY
By: Advantus Capital Management, Inc.

By: /s/ Sean M. O'Connell
    ------------------------------------
Name:   Sean M. O'Connell
Title:  Vice President

             [Signature Page to Supplement No. 5 to Note Agreement]

<PAGE>

                                     ANNEX 1

                                 CURRENT HOLDERS

The Travelers Insurance Company
The Travelers Life and Annuity Company
Primerica Life Insurance Company
Nationwide Life Insurance Company
Employers Life Insurance Company of Wausau
Ohio National Life Assurance Corporation
The Minnesota Mutual Life Insurance Company

<PAGE>

                                    EXHIBIT A

                            CONSENT AND REAFFIRMATION

      Each of the undersigned (the "GUARANTORS") hereby (i) acknowledges receipt
of a copy of the foregoing Supplement No. 5 to Note Agreement (the "FIFTH
AMENDMENT"); (ii) consents to the Company's execution and delivery thereof;
(iii) agrees to be bound thereby; and (iv) affirms that nothing contained
therein shall modify in any respect whatsoever its guaranty of the obligations
of the Company to the holders of the Notes pursuant to the terms of those
certain Joint and Several Guaranties, entered into by the Guarantors pursuant to
the terms of the Note Agreement (collectively, the "GUARANTY"), and (v)
reaffirms that the Guaranty is and shall continue to remain in full force and
effect. Although each of the Guarantors has been informed of the matters set
forth herein and in the Fifth Amendment and has acknowledged and agreed to same,
such Guarantors understand that the holders of the Notes have no obligation to
inform any of the Guarantors of such matters in the future or to seek any of the
Guarantors' acknowledgment or agreement to future amendments or waivers, and
nothing herein shall create such a duty.

      In witness whereof, each of the undersigned has executed this Consent and
Reaffirmation on and as of the date of such Fifth Amendment.

                                        GUARANTORS

                        BRONCO PAWN & GUN, INC., AN OKLAHOMA CORPORATION
                        CASH AMERICA FINANCIAL SERVICES, INC.,
                         A DELAWARE CORPORATION
                        CASH AMERICA FRANCHISING, INC.
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA MANAGEMENT L.P.,
                         A DELAWARE LIMITED PARTNERSHIP, BY ITS GENERAL PARTNER,
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA OF MISSOURI, INC.
                        CASH AMERICA PAWN L.P., A DELAWARE LIMITED PARTNERSHIP,
                         BY ITS GENERAL PARTNER, CASH AMERICA HOLDING, INC.
                        CASH AMERICA PAWN, INC. OF OHIO
                        CASH AMERICA, INC.
                        CASH AMERICA, INC. OF ALABAMA
                        CASH AMERICA, INC. OF COLORADO
                        CASH AMERICA, INC. OF ILLINOIS, AN ILLINOIS CORPORATION
                        CASH AMERICA, INC. OF INDIANA
                        CASH AMERICA, INC. OF KENTUCKY
                        CASH AMERICA, INC. OF LOUISIANA
                        CASH AMERICA, INC. OF NORTH CAROLINA
                        CASH AMERICA, INC. OF OKLAHOMA
                        CASH AMERICA, INC. OF SOUTH CAROLINA
                        CASH AMERICA, INC. OF TENNESSEE
                        CASH AMERICA, INC. OF UTAH
                        DOC HOLLIDAY'S PAWNBROKERS & JEWELLERS, INC.,
                         A DELAWARE CORPORATION

<PAGE>

                        EXPRESS CASH INTERNATIONAL CORPORATION
                        FLORIDA CASH AMERICA, INC.
                        GAMECOCK PAWN & GUN, INC., A SOUTH CAROLINA CORPORATION
                        GEORGIA CASH AMERICA, INC.
                        HORNET PAWN & GUN, INC., A NORTH CAROLINA CORPORATION
                        LONGHORN PAWN & GUN, INC., A TEXAS CORPORATION
                        MR. PAYROLL CORPORATION, A DELAWARE CORPORATION
                        TIGER PAWN & GUN, INC., A TENNESSEE CORPORATION
                        UPTOWN CITY PAWNERS, INC., AN ILLINOIS CORPORATION
                        VINCENT'S JEWELERS AND LOAN, INC.
                        CASHLAND FINANCIAL SERVICES, INC.
                        CASH AMERICA ADVANCE, INC.
                        RATI HOLDING, INC.

                        By: /s/ David J. Clay
                            ---------------------------------------
                        Name:   David J. Clay
                        Title:  Treasurer for All

                        CASH AMERICA INTERNATIONAL, INC.

                        By: /s/ David J. Clay
                            ---------------------------------------
                        Name:   David J. Clay
                        Title:  Vice President and Treasurer
<PAGE>

                        CASH AMERICA INTERNATIONAL, INC.

                       SUPPLEMENT NO. 8 TO NOTE AGREEMENT

                                                         As of September 7, 2004

To the Persons Named on
Annex 1 Hereto

Ladies and Gentlemen:

      Cash America International, Inc., a Texas corporation (hereinafter, the
"COMPANY"), together with its successors and assigns, agrees with you as
follows:

1.    PRELIMINARY STATEMENTS.

      1.1.  NOTE ISSUANCE, ETC.

      The Company issued and sold $20,000,000 in aggregate principal amount of
its 8.14% Senior Notes due July 7, 2007 (as they may be amended, restated or
otherwise modified from time to time, the "SENIOR NOTES") pursuant to that
certain Note Agreement, dated as of July 7, 1995 (as amended by each of (i) that
certain First Supplement to 1995 Note Agreement, dated as of November 10, 1995,
(ii) that certain Second Supplement to 1995 Note Agreement, dated as of December
30, 1996, (iii) that certain Third Supplement to 1995 Note Agreement, dated as
of December 30, 1997, (iv) that certain Fourth Supplement to 1995 Note
Agreement, dated as of December 31, 1998, (v) that certain Fifth Supplement to
1995 Note Agreement, dated as of September 29, 1999, (vi) that certain Sixth
Supplement to 1995 Note Agreement, dated as of June 30, 2000, and (vii) that
certain Seventh Supplement to 1995 Note Agreement, dated as of September 30,
2001, and as in effect immediately prior to giving effect to the Amendments (as
defined below) provided for hereby, the "EXISTING NOTE AGREEMENT", and as
amended hereby, the "NOTE AGREEMENT"). The register for the registration and
transfer of the Senior Notes indicates that the parties named in Annex 1 (the
"CURRENT HOLDERS") to this Supplement No. 8 to Note Agreement (this "AMENDMENT
AGREEMENT") are currently the holders of the entire outstanding principal amount
of the Senior Notes.

2.    DEFINED TERMS.

      Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Note Agreement.

3.    AMENDMENTS TO THE EXISTING NOTE AGREEMENT.

      Subject to Section 5, the Existing Note Agreement is amended as provided
for by this Amendment Agreement as follows:

      3.1. SECTION 2.01; DEFINITIONS. Section 2.01 of the Existing Note
Agreement shall be and is hereby amended by inserting into such Section, in its
proper alphabetical order, the following definition:

<PAGE>

      "Foreign Entity Sales" means the sale by the Company or any Subsidiary of
substantially all of the capital stock of each of (i) Harvey & Thompson Limited,
a limited liability company organized under the laws of the United Kingdom, and
(ii) CAII Pantbelaning, AB, a joint stock company organized under the laws of
Sweden."

      3.2. SECTION 2.01; DEFINITION OF CONSOLIDATED TANGIBLE NET WORTH. The
definition of "Consolidated Tangible Net Worth" set forth in Section 2.01 of the
Existing Note Agreement shall be and is hereby amended by adding, at the end
thereof, the following:

      "For the avoidance of doubt, Consolidated Tangible Net Worth shall be
      calculated giving effect to all past and future gains and losses of
      Subsidiaries and other entities which are not Consolidated Subsidiaries,
      in each case as provided by GAAP."

      3.3. SECTION 5.07; ASSET SALE OFFER OF PREPAYMENT. Section 5 of the
Existing Note Agreement is hereby amended by inserting a new Section 5.07 at the
end thereof to read in its entirety as follows:

      "SECTION 5.07. Asset Sale Offer of Prepayment.

      (a) Notice and Offer. In the event that the Company makes an offer (the
      "Prepayment Offer") to prepay the Notes pursuant to Section 8.15 hereof,
      the Company will give written notice of such offer to each holder of Notes
      by telecopy and, simultaneously with the sending of such telecopied
      notice, send a copy of such notice to each such holder via an overnight
      courier of international reputation. Such written notice shall contain,
      and such written notice shall constitute, an irrevocable offer to prepay,
      at the election of each holder, a portion of the Notes held by such holder
      equal to such holder's Ratable Portion (defined in Section 8.15) on a date
      specified in such notice (the "Transfer Prepayment Date") that is not less
      than thirty (30) days and not more than forty-five (45) days after the
      date of such notice. If the Transfer Prepayment Date shall not be
      specified in such notice, the Transfer Prepayment Date shall be the
      thirtieth (30th) day after the date of such notice. If the Company shall
      not have received a written response to such notice from a holder of Notes
      within ten (10) days after the delivery of such telecopied notice to such
      holder of Notes, then the Company shall immediately send a second written
      notice via an overnight courier of international reputation to each such
      holder of Notes who shall not have previously responded to the Company.

      (b) Acceptance and Payment. To accept such Prepayment Offer, a holder of
      Notes shall cause a notice of such acceptance to be delivered to the
      Company not later than twenty (20) days after the date of such first
      written notice (or not later than ten (10) days in the case of such second
      written notice) from the Company, provided, that failure to respond to
      such offer in writing within ten (10) days after the delivery of the
      second written notice shall be deemed to be acceptance of the Prepayment
      Offer. If so accepted, such offered prepayment equal to not less than such
      holder's Ratable Portion shall be due and payable on the Transfer
      Prepayment Date. Such offered prepayment shall be made at one hundred
      percent (100%) of the principal amount of such Notes being so prepaid,
      together with interest and Make-Whole Amount on such principal amount then
      being prepaid accrued to and calculated as of the Transfer Prepayment
      Date. Two (2) Business

                                       2

<PAGE>

      Days prior to the making of any such prepayment, the Company shall deliver
      to each accepting holder of Notes by facsimile transmission a certificate
      of a senior financial officer of the Company, specifying the details of
      the calculation of such Ratable Portion and applicable Make Whole Amount
      as of such Transfer Prepayment Date.

      (c) Officer's Certificate. Each offer to prepay the Notes pursuant to this
      Section 5.07 shall be accompanied by a certificate, executed by a senior
      financial officer of the Company and dated the date of such offer,
      specifying:

            (i) the Transfer Prepayment Date and the applicable Ratable Portion
      for each holder of Notes;

            (ii) that such offer is being made pursuant to Section 5.07 and
      Section 8.15 of this Agreement;

            (iv) the principal amount of each Note offered to be prepaid;

            (v) the interest that would be due on each such Note offered to be
      prepaid, accrued to the date fixed for payment; and

            (vi) a calculation of the applicable Make Whole Amount as of the
      date of such notice (assuming the Notes were being prepaid on such date)

      (d) Effect of Prepayment. Each prepayment in respect of the Notes pursuant
      to this Section 5.07 shall be applied to reduce ratably all remaining
      payments then due on the Notes as provided in Section 5.01.

      (e) Notice Concerning Status of Holders of Notes. Promptly after each
      Transfer Prepayment Date and the making of all prepayments contemplated on
      such Transfer Prepayment Date under this Section 5.07 (and, in any event,
      within thirty (30) days thereafter), the Company shall deliver to each
      holder of Notes a certificate signed by a senior financial officer of the
      Company containing a list of the then current holders of Notes (together
      with their addresses) and setting forth as to each such holder the
      outstanding principal amount of Notes held by such holder at such time."

      3.4. SECTION 8; AFFIRMATIVE COVENANTS. Section 8 of the Existing Note
Agreement is hereby amended by inserting a new Section 8.15 at the end thereof
to read in its entirety as follows:

      "SECTION 8.15. Acquisition/Prepayment.

      On or before November 1, 2005 the Company shall have either:

            (a) Acquired all of the capital stock of each of CAMCO, Inc., a
            Nevada corporation and SuperPawn, Inc., a Nevada corporation; or

            (b) repaid Indebtedness for Borrowed Money of the Company (other
            than Indebtedness for Borrowed Money owing to the Company or any of
            its Affiliates

                                       3

<PAGE>

            and Indebtedness for Borrowed Money in respect of any revolving
            credit or similar credit facility providing the Company with the
            right to obtain loans or other extensions of credit from time to
            time, except to the extent that in connection with such payment of
            Indebtedness for Borrowed Money the availability of credit under
            such credit facility is permanently reduced by an amount not less
            than the amount of the funds applied to the payment of such
            Indebtedness for Borrowed Money) which by its terms is not
            subordinated in right of payment to the Notes ("Payment
            Indebtedness"); provided that in that course of making such
            repayment the Company shall offer to prepay each outstanding Note in
            accordance with Section 5.07 in a principal amount which, when added
            to the Make-Whole Amount applicable thereto, equals the Ratable
            Portion for such Note. If any holder of a Note fails to accept such
            prepayment, then, for purposes of the preceding sentence only, the
            Company nevertheless will be deemed to have paid Payment
            Indebtedness in an amount equal to the Ratable Portion in respect of
            such Note. As used herein the term "Ratable Portion" in respect of a
            holder of Notes means the product of (x) the Remaining Proceeds
            Amount multiplied by (y) a fraction the numerator of which is the
            outstanding principal amount of Notes held by such holder and the
            denominator of which is the aggregate principal amount of Payment
            Indebtedness then outstanding (including Payment Indebtedness
            evidenced by the Notes) that will receive or be offered any portion
            of such repayment (calculated immediately prior to such repayment
            and offer). As used herein the term "Remaining Proceeds Amount"
            shall be an amount equal to the greater of (1) zero (0) and (2) the
            result of (A) $80,000,000 minus (B) the aggregate cash consideration
            paid by the Company to acquire one or more operating businesses
            engaged in the same line of business as the Company during the
            period beginning September 1, 2004 and ending November 1, 2005."

      3.5. SECTION 9.02; CONSOLIDATED TANGIBLE NET WORTH. Section 9.02 of the
Existing Note Agreement shall be and is hereby amended and replaced in its
entirety to read as follows:

            "SECTION 9.02. Consolidated Tangible Net Worth.

            (a) If, on or before November 1, 2005, the Company has acquired all
            the capital stock of each of CAMCO, Inc., a Nevada corporation and
            SuperPawn, Inc., a Nevada corporation, then the Company will not
            permit Consolidated Tangible Net Worth at any time to be less than
            the sum of (i) $66,676,000 plus (ii) 50% of Consolidated Adjusted
            Net Income (but only if positive) for each Fiscal Quarter ending on
            or after August 12, 2002.

            (b) If, on or before November 1, 2005, the Company has not (i)
            acquired all the capital stock of each of CAMCO, Inc., a Nevada
            corporation and SuperPawn, Inc., a Nevada corporation or (ii)
            completed at least $80,000,000 of replacement acquisitions, then the
            Company will not permit Consolidated Tangible Net Worth at any time
            to be less than the sum of (i) $30,625,000 plus (ii) 50% of
            Consolidated Adjusted Net Income (but only if positive) for each
            Fiscal Quarter ending on or after December 31, 1992."

                                       4

<PAGE>

      3.6. SECTION 9.14; LIMITATION ON SALE OR ISSUANCE OF SUBSIDIARY STOCK.
Each of Sections 9.14(a) and 9.14(b) of the Existing Note Agreement shall be and
is hereby amended by adding at the end of each such Section the following:
"Notwithstanding the foregoing, the Company or any Subsidiary may at any time
prior to November 1, 2004 complete any one or more Foreign Entity Sales so long
as no Default or Event of Default exists at the time of such Foreign Entity
Sale."

      3.7. SECTION 9.15; LIMITATION ON SALE OF PROPERTIES. Section 9.15 of the
Existing Note Agreement shall be and is hereby amended by inserting the
following sentence at the end of such Section, to read in its entirety as
follows:

      "Notwithstanding the foregoing, the Company or any Subsidiary may at any
      time prior to November 1, 2004 complete any one or more Foreign Entity
      Sales, so long as no Default or Event of Default exists at the time of
      such Foreign Entity Sale."

Such amendments are referred to herein, collectively, as the "AMENDMENTS."

4.    REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

      To induce you to enter into this Amendment Agreement and to consent to the
Amendments, the Company represents and warrants to you as follows:

      4.1.  FULL DISCLOSURE.

      Neither the financial statements and other certificates previously
provided to each of the Current Holders pursuant to the provisions of the
Existing Note Agreement nor the statements made in this Amendment Agreement nor
any other written statements furnished to each of the Current Holders by or on
behalf of the Company in connection with the proposal and negotiation of the
transactions contemplated hereby, taken as a whole, contained any untrue
statement of a material fact or omitted a material fact necessary to make the
statements contained therein and herein not misleading, in each case as of the
time such financial statements or certificates were provided or such statements
were made or furnished. There is no fact known to the Company relating to any
event or circumstance that has occurred or arisen since the Closing Date that
the Company has not disclosed to each of the Current Holders in writing that has
had or, so far as the Company can now reasonably foresee, could reasonably be
expected to have, a Material Adverse Effect.

      4.2.  POWER AND AUTHORITY.

      The Company has all requisite corporate power and authority to enter into
and perform its obligations under this Amendment Agreement.

      4.3.  DUE AUTHORIZATION.

      This Amendment Agreement has been duly authorized by all necessary action
on the part of the Company, has been executed and delivered by a duly authorized
officer of the Company,

                                       5

<PAGE>

and constitutes a legal, valid and binding obligation of the Company,
enforceable in accordance with its terms, except that enforceability may be
limited by applicable bankruptcy, reorganization, arrangement, insolvency,
moratorium, or other similar laws affecting the enforceability of creditors'
rights generally and subject to the availability of equitable remedies.

      4.4.  NO DEFAULTS.

      No event has occurred and no condition exists that, upon the execution and
delivery of this Amendment Agreement, would constitute a Default or an Event of
Default.

5.    EFFECTIVENESS OF AMENDMENTS.

      The Amendments shall become effective as of the first date written above
(the "EFFECTIVE DATE") upon the satisfaction of all of the following conditions
precedent:

      5.1.  EXECUTION AND DELIVERY OF THIS AMENDMENT AGREEMENT.

      The Company and each of the Current Holders shall have executed and
delivered this Amendment Agreement.

      5.2.  NEW BANK LOAN AGREEMENT CONSENT.

      Each of the Current Holders shall have received an executed amendment by
and among the Company, Wells Fargo Bank Texas, National Association and the
other Lenders party to that certain Credit Agreement, dated as of August 14,
2002 (the "NEW BANK LOAN AGREEMENT"), permitting the Company's sale of each of
(i) Harvey & Thompson Limited, a limited liability company organized under the
laws of the United Kingdom, and (ii) Svensk Pantbelaning Service, AB, a joint
stock company organized under the laws of Sweden, and waiving the Company's
compliance with various sections of the New Bank Loan Agreement with respect to
such sale.

      5.3.  GUARANTORS.

      Each Guarantor which delivered a Joint and Several Guaranty shall have
executed and delivered to you the Consent and Reaffirmation attached hereto as
Exhibit A.

      5.4.  AMENDMENT FEE.

      The Company shall have paid each holder of a Note a fee in an amount equal
to the product of (a) 0.10 percent (10 basis points) times (b) the outstanding
principal amount of Notes held by such holder on the date hereof.

      5.5.  FEES AND EXPENSES.

      Whether or not the Amendments become effective, the Company will promptly
(and in any event within thirty Business Days of receiving any statement or
invoice therefor) pay all reasonable fees, expenses and costs relating to this
Amendment Agreement, including, but not limited to, the reasonable fees of your
special counsel, Bingham McCutchen LLP, incurred in

                                       6

<PAGE>

connection with the preparation, negotiation and delivery of this Amendment
Agreement and any other documents related thereto. Nothing in this Section shall
limit the Company's obligations pursuant to Section 11.02 of the Note Agreement.

6.    MISCELLANEOUS.

      6.1.  PART OF EXISTING NOTE AGREEMENT; FUTURE REFERENCES, ETC.

      This Amendment Agreement shall be construed in connection with and as a
part of the Existing Note Agreement and, except as expressly amended by this
Amendment Agreement, all terms, conditions and covenants contained in the
Existing Note Agreement are hereby ratified and shall be and remain in full
force and effect. Any and all notices, requests, certificates and other
instruments executed and delivered after the execution and delivery of this
Amendment Agreement may refer to the Existing Note Agreement without making
specific reference to this Amendment Agreement, but nevertheless all such
references shall include this Amendment Agreement unless the context otherwise
requires.

      6.2.  COUNTERPARTS.

      This Amendment Agreement may be executed in any number of counterparts,
each of which shall be an original but all of which together shall constitute
one instrument. Each counterpart may consist of a number of copies hereof, each
signed by less than all, but together signed by all, of the parties hereto.

      6.3.  GOVERNING LAW.

      THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE
WITH, AND THE RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE
OF NEW YORK EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT
WOULD REQUIRE THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN NEW YORK.

   [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK; NEXT PAGE IS SIGNATURE PAGE.]

                                       7

<PAGE>

      If you are in agreement with the foregoing, please so indicate by signing
the acceptance below on the accompanying counterpart of this agreement and
returning it to the Company, whereupon it will become a binding agreement among
you and the Company.

                                           CASH AMERICA INTERNATIONAL, INC.

                                           By: /s/ David J. Clay
                                               ---------------------------------
                                           Name:   David J. Clay
                                           Title:  Vice President and Treasurer

      The foregoing Amendment Agreement is hereby accepted as of the date first
above written. By its execution below, each of the undersigned represents that
it is either the registered owner of one or more of the Senior Notes or is the
beneficial owner of one or more of the Senior Notes and is authorized to enter
into this Agreement in respect thereof.

TEACHERS INSURANCE AND ANNUITY
ASSOCIATION OF AMERICA

By: /s/ Estelle Simsolo
    ------------------------------------
Name:   Estelle Simsolo
Title:  Director-Private Placements

              [Signature Page to Amendment No. 8 to Note Agreement]

<PAGE>

                                     ANNEX 1

                                 CURRENT HOLDERS

Teachers Insurance and Annuity Association of America

<PAGE>

                                    EXHIBIT A

                            CONSENT AND REAFFIRMATION

      Each of the undersigned (the "GUARANTORS") hereby (i) acknowledges receipt
of a copy of the foregoing Supplement No. 8 to Note Agreement (the "EIGHTH
AMENDMENT"); (ii) consents to the Company's execution and delivery thereof;
(iii) agrees to be bound thereby; and (iv) affirms that nothing contained
therein shall modify in any respect whatsoever its guaranty of the obligations
of the Company to the holders of the Notes pursuant to the terms of those
certain Joint and Several Guaranties, entered into by the Guarantors pursuant to
the terms of the Note Agreement (collectively, the "GUARANTY"), and (v)
reaffirms that the Guaranty is and shall continue to remain in full force and
effect. Although each of the Guarantors has been informed of the matters set
forth herein and in the Eighth Amendment and has acknowledged and agreed to
same, such Guarantors understand that the holders of the Notes have no
obligation to inform any of the Guarantors of such matters in the future or to
seek any of the Guarantors' acknowledgment or agreement to future amendments or
waivers, and nothing herein shall create such a duty.

      In witness whereof, each of the undersigned has executed this Consent and
Reaffirmation on and as of the date of such Eighth Amendment.

                                        GUARANTORS

                        BRONCO PAWN & GUN, INC., AN OKLAHOMA CORPORATION
                        CASH AMERICA FINANCIAL SERVICES, INC.,
                         A DELAWARE CORPORATION
                        CASH AMERICA FRANCHISING, INC.
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA MANAGEMENT L.P.,
                         A DELAWARE LIMITED PARTNERSHIP, BY ITS GENERAL PARTNER,
                        CASH AMERICA HOLDING, INC.
                        CASH AMERICA OF MISSOURI, INC.
                        CASH AMERICA PAWN L.P., A DELAWARE LIMITED PARTNERSHIP,
                         BY ITS GENERAL PARTNER, CASH AMERICA HOLDING, INC.
                        CASH AMERICA PAWN, INC. OF OHIO
                        CASH AMERICA, INC.
                        CASH AMERICA, INC. OF ALABAMA
                        CASH AMERICA, INC. OF COLORADO
                        CASH AMERICA, INC. OF ILLINOIS, AN ILLINOIS CORPORATION
                        CASH AMERICA, INC. OF INDIANA
                        CASH AMERICA, INC. OF KENTUCKY
                        CASH AMERICA, INC. OF LOUISIANA
                        CASH AMERICA, INC. OF NORTH CAROLINA
                        CASH AMERICA, INC. OF OKLAHOMA
                        CASH AMERICA, INC. OF SOUTH CAROLINA
                        CASH AMERICA, INC. OF TENNESSEE
                        CASH AMERICA, INC. OF UTAH

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                        DOC HOLLIDAY'S PAWNBROKERS & JEWELLERS, INC.,
                         A DELAWARE CORPORATION
                        EXPRESS CASH INTERNATIONAL CORPORATION
                        FLORIDA CASH AMERICA, INC.
                        GAMECOCK PAWN & GUN, INC., A SOUTH CAROLINA CORPORATION
                        GEORGIA CASH AMERICA, INC.
                        HORNET PAWN & GUN, INC., A NORTH CAROLINA CORPORATION
                        LONGHORN PAWN & GUN, INC., A TEXAS CORPORATION
                        MR. PAYROLL CORPORATION, A DELAWARE CORPORATION
                        TIGER PAWN & GUN, INC., A TENNESSEE CORPORATION
                        UPTOWN CITY PAWNERS, INC., AN ILLINOIS CORPORATION
                        VINCENT'S JEWELERS AND LOAN, INC.
                        CASHLAND FINANCIAL SERVICES, INC.
                        CASH AMERICA ADVANCE, INC.
                        RATI HOLDING, INC.

                        By: /s/ David J. Clay
                            ---------------------------------
                        Name:   David J. Clay
                        Title:  Treasurer for All

                        CASH AMERICA INTERNATIONAL, INC.

                        By: /s/ David J. Clay
                            ---------------------------------
                        Name:   David J. Clay
                        Title:  Vice President and Treasurer

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