Document:

<PAGE>
                                                                    EXHIBIT 10.9

                             MULTIMEDIA GAMES, INC.

                             2001 STOCK OPTION PLAN

SECTION 1. GENERAL PURPOSE OF PLAN; DEFINITIONS.

The name of this plan is the Multimedia Games, Inc. 2001 Stock Plan (the
"Plan"). The Plan was adopted by the Board on September 21, 2001. The purpose of
the Plan is to enable the Company to attract and retain highly qualified
personnel who will contribute to the Company's success by their ability,
ingenuity and industry and to provide incentives to the participating officers,
employees, directors, consultants and advisors that are linked directly to
increases in stockholder value and will therefore inure to the benefit of all
stockholders of the Company.

For purposes of the Plan, the following terms shall be defined as set forth
below:

"Act" means Securities Exchange Act of 1934, as amended.

"Administrator" means the Board, or if the Board does not administer the Plan,
the Committee in accordance with Section 2.

"Board" means the Board of Directors of the Company.

"Code" means the Internal Revenue Code of 1986, as amended from time to time, or
any successor thereto.

"Committee" means the Committee of the Board designated from time to time by the
Board to be the Administrator.

"Commission" means Securities and Exchange Commission.

"Company" means Multimedia Games, Inc., a Texas corporation (or any successor
corporation).

"Disability" means the inability of a Participant to perform substantially his
duties and responsibilities to the Company by reason of a physical or mental
disability or infirmity (i) for a continuous period of six months, or (ii) at
such earlier time as the Participant submits medical evidence satisfactory to
the Company that he has a physical or mental disability or infirmity which will
likely prevent him from returning to the performance of his work duties for six
months or longer. The date of such Disability shall be on the last day of such
six-month period or the day on which the Participant submits such satisfactory
medical evidence, as the case may be.

"Effective Date" shall mean the date provided pursuant to Section 9.

"Eligible Employee" means an employee of the Company eligible to participate in
the Plan pursuant to Section 4.

"Fair Market Value" means, as of any given date, with respect to any awards
granted hereunder, at the discretion of the Administrator and subject to such
limitations as the Administrator may impose, (A) if the Stock is publicly
traded, the closing sale price of the Stock on such date as reported in the Wall
Street Journal, or the average of the closing price of the Stock on each day on
which the Stock was traded over a period of up to twenty trading days
immediately prior to such date, (B) the fair market value of the Stock as
determined in accordance with a method prescribed in the agreement evidencing
any award hereunder, or (C) the fair market value of the Stock as otherwise
determined by the Administrator in the good faith exercise of its discretion.

"Incentive Stock Option" or "ISO" means any Stock Option intended to be
designated as an "incentive stock option" within the meaning of Section 422 of
the Code (and any successor provision of the Code having a similar intent).

"Non-Qualified Stock Option" or "NQSO" means any Stock Option that is not an
Incentive Stock Option, including any Stock Option that provides (as of the time
such option is granted) that it will not be treated as an Incentive Stock
Option.

"Parent Corporation" means any corporation (other the Company) in an unbroken
chain of corporations ending with the Company, if each of the corporations in
the chain (other than the Company) owns stock possessing 50% or more of the
combined voting power of all classes of stock in one of the other corporations
in the chain.

"Participant" means any Eligible Employee, consultant or advisor to the Company
selected by the Administrator, pursuant to the Administrator's authority in
Section 2 below, to receive grants of Stock Options.

"Stock" means the Common Stock, $0.01 par value, of the Company.

"Stock Option" means any option to purchase shares of Stock granted pursuant to
Section 5.

"Subsidiary" means any corporation (other than the Company) in an unbroken chain
of corporations beginning with the Company, if each of the corporations (other
than the last corporation) in the unbroken chain owns stock possessing 50% or
more of the total combined voting power of all classes of stock in one of the
other corporations in the chain.

<PAGE>

SECTION 2. ADMINISTRATION.

The Plan shall be administered by the Board or by the Committee which shall be
appointed by the Board and which shall serve at the pleasure of the Board.

The Administrator shall have the power and authority to grant Stock Options to
Eligible Employees, consultants and advisors to the Company, pursuant to the
terms of the Plan.

In particular, the Administrator shall have the authority:

(a)      to determine whether and to what extent Stock Options are to be granted
         hereunder to Eligible Employees, consultants and advisors to the
         Company;

(b)      to determine the number of shares to be covered by each Stock Option
         granted hereunder;

(c)      to determine the terms and conditions, not inconsistent with the terms
         of the Plan, of any Stock Option granted hereunder; and

(d)      to determine the terms and conditions, not inconsistent with the terms
         of the Plan, which shall govern all written instruments evidencing the
         Stock Options.

The Administrator shall have the authority, in its discretion, to adopt, alter
and repeal such administrative rules, guidelines and practices governing the
Plan as it shall from time to time deem advisable; to interpret the terms and
provisions of the Plan and any award issued under the Plan (and any agreements
relating thereto); and to otherwise supervise the administration of the Plan.

All decisions made by the Administrator pursuant to the provisions of the Plan
shall be final and binding on all persons, including the Company and the
Participants.

SECTION 3. STOCK SUBJECT TO PLAN.

The total number of shares of Stock reserved and available for issuance under
the Plan (and the total number of shares that may be granted as ISO's) shall be
700,000 shares of Stock. Such shares may consist, in whole or in part, of
authorized and unissued shares or treasury shares.

To the extent that a Stock Option expires or is otherwise terminated without
being exercised, such shares shall again be available for issuance in connection
with future awards under the Plan. If any shares of Stock have been pledged as
collateral for indebtedness incurred by a Participant in connection with the
exercise of a Stock Option and such shares are returned to the Company in
satisfaction of such indebtedness, such shares shall again be available for
issuance in connection with future awards under the Plan. To the extent that a
Participant is eligible to use, and uses, shares of Stock to exercise a Stock
Option, the number of Shares of Stock so used shall be available for issuance in
connection with future awards under the Plan.

In the event of any merger, reorganization, consolidation, recapitalization,
stock dividend or other change in corporate structure affecting the Stock, an
appropriate substitution or adjustment shall be made in the aggregate number of
shares reserved for issuance under the Plan as may be determined by the
Administrator, in its sole discretion. Any other substitutions or adjustments
shall be made as may be determined by the Administrator, in its sole discretion.
In connection with any event described in this paragraph, the Administrator may
provide, in its discretion, for the cancellation of any outstanding awards and
payment in cash or other property therefor.

SECTION 4. ELIGIBILITY.

Officers (including officers who are directors of the Company), employees of the
Company, and consultants and advisors to the Company who are responsible for or
contribute to the management, growth and/or profitability of the business of the
Company shall be eligible to be granted Stock Options. The Participants under
the Plan shall be selected from time to time by the Administrator, in its sole
discretion, from among the Eligible Employees, consultants and advisors to the
Company recommended by the senior management of the Company, and the
Administrator shall determine, in its sole discretion, the number of shares
covered by each award.

<PAGE>

SECTION 5. STOCK OPTIONS.

Any Stock Option granted under the Plan shall be in such form as the
Administrator may from time to time approve, and the provisions of Stock Option
awards need not be the same with respect to each optionee. Recipients of Stock
Options shall enter into a subscription and/or award agreement with the Company,
in such form as the Administrator shall determine, which agreement shall set
forth, among other things, the exercise price of the option, the term of the
option and provisions regarding exercisability of the option granted thereunder.

The Stock Options granted under the Plan may be of two types: (i) Incentive
Stock Options and (ii) Non-Qualified Stock Options.

The Administrator shall have the authority to grant any Eligible Employee
Incentive Stock Options, Non-Qualified Stock Options, or both types of Stock
Options. Consultants and advisors may only be granted Non-Qualified Stock
Options. To the extent that any Stock Option does not qualify as an Incentive
Stock Option, it shall constitute a separate Non-Qualified Stock Option. More
than one option may be granted to the same optionee and be outstanding
concurrently hereunder.

Stock Options granted under the Plan shall be subject to the following terms and
conditions and shall contain such additional terms and conditions, not
inconsistent with the terms of the Plan, as the Administrator shall deem
desirable:

(1)      Option Price. The option price per share of Stock purchasable under a
         Stock Option shall be determined by the Administrator in its sole
         discretion at the time of grant but shall not, (i) in the case of
         Incentive Stock Options, be less than 100% of the Fair Market Value of
         the Stock on such date, (ii) in the case of Non-Qualified Stock
         Options, be less than 85% of the Fair Market Value of the Stock on such
         date, and (iii) in any event, be less than the par value of the Stock.
         If an employee owns or is deemed to own (by reason of the attribution
         rules applicable under Section 425(d) of the Code) more than 10% of the
         combined voting power of all classes of stock of the Company or any
         Parent Corporation and an Incentive Stock Option is granted to such
         employee, the option price of such Incentive Stock Option (to the
         extent required by the Code at the time of grant) shall be no less than
         110% of the Fair Market Value of the Stock on the date such Incentive
         Stock Option is granted.

(2)      Option Term. The term of each Stock Option shall be fixed by the
         Administrator, but no Stock Option shall be exercisable more than ten
         years after the date such Stock Option is granted; provided, however,
         that if an employee owns or is deemed to own (by reason of the
         attribution rules of Section 425(d) of the Code) more than 10% of the
         combined voting power of all classes of stock of the Company or any
         Parent Corporation and an Incentive Stock Option is granted to such
         employee, the term of such Incentive Stock Option (to the extent
         required by the Code at the time of grant) shall be no more than five
         years from the date of grant.

(3)      Exercisability. Stock Options shall be exercisable at such time or
         times and subject to such terms and conditions as shall be determined
         by the Administrator at or after grant. The Administrator may provide,
         in its discretion, that any Stock Option shall be exercisable only in
         installments, and the Administrator may waive such installment exercise
         provisions at any time in whole or in part based on such factors as the
         Administrator may determine, in its sole discretion.

(4)      Method of Exercise. Subject to Section 5(3) above, Stock Options may be
         exercised in whole or in part at any time during the option period, by
         giving written notice of exercise to the Company satisfying the number
         of shares to be purchased, accompanied by payment in full of the
         purchase price in cash or in such other form of consideration as is set
         forth in the related Stock Option agreement as determined by the
         Administrator. As determined by the Administrator, in its sole
         discretion, payment in whole or in part may also be made in the form of
         unrestricted Stock already owned by the optionee; provided, however,
         that the right to make payment in the form of already owned shares may
         be authorized only at the time of grant. An optionee shall generally
         have the rights to dividends and any other rights of a stockholder with
         respect to the Stock subject to the option only after the optionee has
         given written notice of exercise, has paid in full for such shares,
         and, if requested, has given the representation described in paragraph
         (1) of Section 10.

         The Administrator may require the voluntary surrender of all or a
         portion of any Stock Option granted under the Plan as a condition
         precedent to the grant of a new Stock Option. Subject to the provisions
         of the Plan, such new Stock Option shall be exercisable at the price,
         during such period and on such other terms and conditions as are
         specified by the Administrator at the time the new Stock Option is
         granted. Upon their

<PAGE>

         surrender, Stock Options shall be canceled and the shares previously
         subject to such canceled Stock Options shall again be available for
         grants of Stock Options and other awards hereunder.

(5)      Loans. The Company may make loans available to Stock Option holders in
         connection with the exercise of outstanding options granted under the
         Plan, as the Administrator, in its discretion, may determine; provided,
         however, that the right to make payment in the form of loans may be
         authorized only at the time of grant and the terms of such loans shall
         be specified in the related Stock Option agreement. Such loans shall
         (i) be evidenced by promissory notes entered into by the Stock Option
         holders in favor of the Company, (ii) be subject to the terms and
         conditions set forth in this Section 5(5) and such other terms and
         conditions, not inconsistent with the Plan, as the Administrator shall
         determine, (iii) bear interest, if any, at such rate as the
         Administrator shall determine, and (iv) be subject to Board approval
         (or to approval by the Administrator to the extent the Board may
         delegate such authority). In no event may the principal amount of any
         such loan exceed the sum of (x) the exercise price less the-par value
         of the shares of Stock covered by the option, or portion thereof,
         exercised by the holder, and (y) any federal, state, and local income
         tax attributable to such exercise. The initial term of the loan, the
         schedule of payments of principal and interest (if any) under the loan,
         the extent to which the loan is to be with or without recourse against
         the holder with respect to principal or interest and the conditions
         upon which the loan will become payable in the event of the holder's
         termination of employment shall be determined by the Administrator.
         Unless the Administrator determines otherwise, when a loan is made,
         shares of Stock having a Fair Market Value at least equal to the
         principal amount of the loan shall be pledged by the holder to the
         Company as security for payment of the unpaid balance of the loan, and
         such pledge shall be evidenced by a pledge agreement, the terms of
         which shall be determined by the Administrator, in its discretion;
         provided, however, that each loan shall comply with all applicable
         laws, regulations and rules of the Board of Governors of the Federal
         Reserve System and any other governmental agency having jurisdiction.

(6)      Non-transferability of Options. Unless otherwise determined by the
         Administrator, no Stock Option shall be transferable by the optionee,
         and all Stock Options shall be exercisable, during the optionee's
         lifetime, only by the optionee.

(7)      Termination of Employment or Service. If an optionee's employment with
         or service as a director of or consultant or advisor to the Company
         terminates by reason of death, Disability or for any other reason, the
         Stock Option may thereafter be exercised to the extent provided in the
         applicable subscription or award agreement, or as otherwise determined
         by the Administrator.

(8)      Annual Limit on Incentive Stock Options. To the extent that the
         aggregate Fair Market Value (determined as of the date the Incentive
         Stock Option is granted) of shares of Stock with respect to which
         Incentive Stock Options granted to an Optionee under this Plan and all
         other option plans of the Company or its Parent Corporation become
         exercisable for the first time by the Optionee during any calendar year
         exceeds $100,000, such Stock Options shall be treated as Non-Qualified
         Stock Options.

SECTION 6. AMENDMENT AND TERMINATION.

The Board may amend, alter or discontinue the Plan, but no amendment,
alteration, or discontinuation shall be made that would impair the rights of a
Participant under any award theretofore granted without such Participant's
consent.

The Administrator may amend the terms of any award theretofore granted,
prospectively or retroactively, but, subject to Section 3 above, no such
amendment shall impair the rights of any holder without his or her consent.

SECTION 7. UNFUNDED STATUS OF PLAN.

The Plan is intended to constitute an "unfunded" plan for incentive
compensation. With respect to any payments not yet made to a Participant by the
Company, nothing contained herein shall give any such Participant any rights
that are greater than those of a general creditor of the Company.

SECTION 8. GENERAL PROVISIONS.

(1)      The Administrator may require each person purchasing shares pursuant to
         a Stock Option to represent to and agree with the Company in writing
         that such person is acquiring the shares without a view to distribution
         thereof. The certificates for such shares may include any legend which
         the Administrator deems appropriate to reflect any restrictions on
         transfer.

<PAGE>

         All certificates for shares of Stock delivered under the Plan shall be
         subject to such stock-transfer orders and other restrictions as the
         Administrator may deem advisable under the rules, regulations, and
         other requirements of the Commission, any stock exchange upon which the
         Stock is then listed, and any applicable federal or state securities
         law, and the Administrator may cause a legend or legends to be placed
         on any such certificates to make appropriate reference to such
         restrictions.

(2)      Nothing contained in the Plan shall prevent the Board from adopting
         other or additional compensation arrangements, subject to stockholder
         approval if such approval is required; and such arrangements may be
         either generally applicable or applicable only in specific cases. The
         adoption of the Plan shall not confer upon any employee, director,
         consultant or advisor of the Company any right to continued employment
         or service with the Company, as the case may be, nor shall it interfere
         in any way with the right of the Company to terminate the employment or
         service of any of its employees, directors, consultants or advisors at
         any time.

(3)      Each Participant shall, no later than the date as of which the value of
         an award first becomes includible in the gross income of the
         Participant for federal income tax purposes, pay to the Company, or
         make arrangements satisfactory to the Administrator regarding payment
         of, any federal, state, or local taxes of any kind required by law to
         be withheld with respect to the award. The obligations of the Company
         under the Plan shall be conditional on the making of such payments or
         arrangements, and the Company shall, to the extent permitted by law,
         have the right to deduct any such taxes from any payment of any kind
         otherwise due to the Participant.

(4)      No member of the Board or the Administrator, nor any officer or
         employee of the Company acting on behalf of the Board or the
         Administrator, shall be personally liable for any action,
         determination, or interpretation taken or made in good faith with
         respect to the Plan, and all members of the Board or the Administrator
         and each and any officer or employee of the Company acting on their
         behalf shall, to the extent permitted by law, be fully indemnified and
         protected by the Company in respect of any such action, determination
         or interpretation.

SECTION 9. EFFECTIVE DATE OF PLAN.

The Plan became effective (the "Effective Date") on September 21, 2001, subject
to, in the case of Incentive Stock Options, approval by the Company's
stockholders.

SECTION 10. TERM OF PLAN.

No Stock Option shall be granted pursuant to the Plan on or after the tenth
anniversary of the Effective Date, but awards theretofore granted may extend
beyond that date.<PAGE>
                                                                   EXHIBIT 10.84

================================================================================

                                  EZCORP, INC.

                               SECOND AMENDMENT TO
                      AMENDED AND RESTATED CREDIT AGREEMENT

                          DATED AS OF OCTOBER 10, 2001

                  WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION,

                                    AS AGENT

                                       AND

                                  ISSUING BANK

================================================================================

<PAGE>

            SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

         THIS SECOND AMENDMENT TO CREDIT AGREEMENT (the "Amendment"), dated as
of October 10, 2001 is among EZCORP, INC., a Delaware corporation ("Borrower"),
each of the Lenders signatory hereto party to the Agreement referred to below,
and WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION, a national banking
association, as Agent for itself and the other Lenders (in such capacity,
together with its successors in such capacity the "Agent") and as the Issuing
Bank.

                                    RECITALS;

         Borrower, Agent, Required Lenders and Issuing Bank have previously
entered into that certain Amended and Restated Credit Agreement dated as of
December 15, 2000 as amended by that certain First Amendment to Amended and
Restated Credit Agreement dated as of May 1, 2001 (as amended, the "Agreement").

         Borrower, Agent, Lenders and Issuing Bank now desire to amend Schedules
9.1 and 9.2 to the Agreement as hereinafter more specifically provided.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the parties hereto agree as follows:

                                    ARTICLE I

                                   Definitions

         1.1 Definitions. All capitalized terms not otherwise defined herein,
shall have the same meanings as in the Agreement, as amended hereby.

                                   ARTICLE II

                                   Amendments

         2.1 Amendment to Schedule 9.1 to the Agreement. Effective as of the
date hereof, Schedule 9.1 to the Agreement is amended by adding thereto the
following:

                  "Indebtedness of Borrower in the principal amount of
         $1,623,600.00 to AFCO Premium Credit LLC pursuant to that certain
         Premium Finance Agreement dated in October 2001 at an annual percentage
         rate of 4.632%, payable in 11 consecutive monthly payments each in the
         amount of $151,040.73 with the first monthly installment due November
         1, 2001."

         2.2 Amendment to Schedule 9.2 to the Agreement. Effective as of the
date hereof, Schedule 9.2 to the Agreement is amended by deleting the word
"None" therefrom and adding thereto the following:

                  "Security interest created pursuant to that certain Premium
         Finance Agreement dated in October 2001 executed by Borrower in favor
         of AFCO

<PAGE>

         Premium Credit LLC securing the indebtedness evidenced thereby in the
         principal amount of $l,623,600.00, such security interest covering
         Borrower's interest in unearned premiums and dividends which may become
         payable under the insurance policies listed therein and loss payments
         which reduce the unearned premiums, subject to any mortgagee or loss
         payee interest."

                                   ARTICLE III

                  Ratifications, Representations and Warranties

         3.1 Ratifications. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions set forth in
the Agreement and except as expressly modified and superseded by this Amendment,
the terms and provisions of the Agreement and the other Loan Documents are
ratified and confirmed and shall continue in full force and effect. Borrower,
Lenders, Issuing Bank and Agent agree that the Agreement as amended hereby and
the other Loan Documents shall continue to be legal, valid, binding and
enforceable in accordance with their respective terms.

         3.2 Representations and Warranties. Borrower hereby represents and
warrants to the Lenders, Agent and Issuing Bank that (i) the execution, delivery
and performance of this Amendment and any and all other Loan Documents executed
and/or delivered in connection herewith have been authorized by all requisite
corporate action on the part of Borrower and will not violate the articles of
incorporation or bylaws of Borrower, (ii) the representations and warranties
contained in the Agreement, as amended hereby, and any other Loan Document are
true and correct on and as of the date hereof as though made on and as of the
date hereof, except to the extent such representations and warranties speak to a
specific date, (iii) except for a possible violation of Section 10.6 of the
Agreement which Borrower understands is not being waived hereby, no Default has
occurred and is continuing, and (iv) except for a possible violation of Section
10.6 of the Agreement which Borrower understands is not being waived hereby,
Borrower is in full compliance with all covenants and agreements contained in
the Agreement as amended hereby.

                                   ARTICLE IV

                                  Miscellaneous

         4.1 Survival of Representations and Warranties. All representations and
warranties made in this Amendment or any other Loan Document including any Loan
Document furnished in connection with this Amendment shall survive the execution
and delivery of this Amendment and the other Loan Documents, and no
investigation by the Lenders, Agent or Issuing Bank or any closing shall affect
the representations and warranties or the right of the Lenders, Agent or Issuing
Bank to rely upon them.

        4.2 Reference to Agreement. Each of the Loan Documents, including the
Agreement and any and all other agreements, documents, or instruments now or
hereafter executed and delivered pursuant to the terms hereof or pursuant to the
terms of the Agreement as amended hereby, are hereby amended so that any
reference in such Loan Documents to the Agreement shall mean a reference to the
Agreement as amended hereby.

                                       2
<PAGE>

        4.3 Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

        4.4 Applicable Law. This Amendment and all other Loan Documents executed
pursuant hereto shall be deemed to have been made and to be performable in
Travis County, Texas and shall be governed by and construed in accordance with
the laws of the State of Texas.

        4.5 Successors and Assigns. This Amendment is binding upon and shall
inure to the benefit of the Lenders, Agent, Issuing Bank and Borrower and their
respective successors and assigns, except Borrower may not assign or transfer
any of its rights or obligations hereunder without the prior written consent of
the Lenders.

        4.6 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument.

        4.7 WAIVER AND RELEASE. IN ORDER, TO INDUCE THE AGENT, THE LENDERS AND
THE ISSUING BANK TO AGREE TO THIS AMENDMENT, BORROWER AND EACH GUARANTOR
REPRESENT AND WARRANT THAT AS OF THE DATE HEREOF THERE ARE NO CLAIMS OR OFFSETS
AGAINST OR DEFENSES OR COUNTERCLAIMS TO THEIR OBLIGATIONS UNDER THE LOAN
DOCUMENTS AND IN ACCORDANCE THEREWITH EACH OF THEM:

                  (a) WAIVER, WAIVES ANY AND ALL SUCH CLAIMS, OFFSETS, DEFENSES
         OR COUNTERCLAIMS, WHETHER KNOWN OR UNKNOWN, ARISING PRIOR TO THE DATE
         HEREOF, AND

                  (b) RELEASE. RELEASES AND DISCHARGES THE AGENT, THE LENDERS
         AND THE ISSUING BANK, AND THEIR RESPECTIVE OFFICERS, DIRECTORS,
         EMPLOYEES, AGENTS, SHAREHOLDERS, AFFILIATES AND ATTORNEYS
         (COLLECTIVELY, THE "RELEASED PARTIES") FROM ANY AND ALL OBLIGATIONS,
         INDEBTEDNESS, LIABILITIES, CLAIMS, RIGHTS, CAUSES OF ACTION OR DEMANDS
         WHATSOEVER, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, IN LAW
         OR EQUITY, WHICH THE BORROWER OR ANY GUARANTOR EVER HAD, NOW HAS,
         CLAIMS TO HAVE OR MAY HAVE AGAINST ANY RELEASED PARTY ARISING PRIOR TO
         THE DATE HEREOF AND FROM OR IN CONNECTION WITH THE LOAN DOCUMENTS OR
         THE TRANSACTIONS CONTEMPLATED THEREBY AND HEREBY.

                                       3
<PAGE>

         4.8 ENTIRE AGREEMENT. THIS AMENDMENT AND ALL OTHER INSTRUMENTS,
DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN CONNECTION WITH THIS
AMENDMENT REPRESENT THE FINAL AGREEMENT AMONG THE PARTIES HERETO AND MAY NOT BE
CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL
AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO. THERE ARE NO UNWRITTEN ORAL
AGREEMENTS AMONG THE PARTIES HERETO.

                  [Remainder of Page Intentionally Left Blank]

                                       4
<PAGE>

         Executed as of the date first written above.

                                       BORROWER:

                                       EZCORP, INC.

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       AGENT, ISSUING BANK AND LENDER:

                                       WELLS FARGO BANK TEXAS, NATIONAL
                                       ASSOCIATION

                                       By:
                                          --------------------------------------
                                          Larry Clayton
                                          Vice President

                                       5
<PAGE>

                                       OTHER LENDERS:

                                       BANK ONE, NA (successor by merger to Bank
                                       One, Texas, National Association)

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       6
<PAGE>

                                       GUARANTY BANK (formerly known as Guaranty
                                       Federal Bank, F.S.B.)

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       7
<PAGE>

                                       COMERICA BANK-TEXAS

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       8
<PAGE>

                                       THE CHASE MANHATTAN BANK (successor by
                                       merger to Chase Bank of Texas, National
                                       Association)

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       9
<PAGE>

                     Obligated Parties Consent and Agreement

         Each of the undersigned Obligated Parties (i) consent and agree to this
Amendment; and (ii) agree that the Loan Documents to which it is a party shall
remain in full force and effect and shall continue to be the legal, valid and
binding obligation of such Obligated Party enforceable against it in accordance
with their respective terms.

                                       OBLIGATED PARTIES:

                                       EZPAWN ALABAMA, INC.
                                       EZPAWN ARKANSAS, INC.
                                       EZPAWN COLORADO, INC.
                                       EZPAWN FLORIDA, INC.
                                       EZPAWN GEORGIA, INC.
                                       EZPAWN HOLDINGS, INC.
                                       EZPAWN INDIANA, INC.
                                       EZPAWN LOUISIANA, INC.
                                       EZPAWN NEVADA, INC.
                                       EZPAWN NORTH CAROLINA, INC.
                                       EZPAWN OKLAHOMA, INC.
                                       EZPAWN TENNESSEE, INC.
                                       TEXAS EZPAWN MANAGEMENT, INC.
                                       EZ CAR SALES, INC.
                                       EZPAWN CONSTRUCTION, INC.
                                       EZPAWN KANSAS, INC.
                                       EZPAWN KENTUCKY, INC.
                                       EZPAWN MISSOURI, INC.
                                       EZPAWN SOUTH CAROLINA, INC.
                                       EZCORP INTERNATIONAL, INC.
                                       EZ MONEY NORTH CAROLINA, INC.

                                       By:
                                          --------------------------------------
                                          Name:
                                               ---------------------------------
                                          Title:
                                                --------------------------------

                                       TEXAS EZPAWN L.P.

                                       By: TEXAS EZPAWN MANAGEMENT, INC.,
                                           its sole general partner

                                           By:
                                              ----------------------------------
                                              Name:
                                                   -----------------------------
                                              Title:
                                                    ----------------------------

                                       10

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]