Advance America, Cash Advance Centers, Inc.
EX-10.1
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<p align="right" style="margin:0pt 0pt 12.0pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit
10.1</font></b></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FIFTH AMENDMENT</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">THIS FIFTH AMENDMENT
(this &#147;<u>Amendment</u>&#148;) dated as of August 16, 2006 to the Credit Agreement
referenced below is by and among <font style="letter-spacing:-.15pt;">Advance
America, Cash Advance Centers, Inc.</font>, a Delaware corporation (the &#147;<u>Borrower</u>&#148;),
the Guarantors identified on the signature pages hereto (the &#147;<u>Guarantors</u>&#148;),
the Lenders identified on the signature pages hereto and Bank of America, N.A.,
as administrative agent (the &#147;<u>Administrative Agent</u>&#148;).</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">W I T N E S S E T
H</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WHEREAS, a $265
million revolving credit facility has been extended to the Borrower pursuant to
the Amended and Restated Credit Agreement (as amended, modified and
supplemented from time to time, the &#147;<u>Credit Agreement</u>&#148;) dated as of July
16, 2004 among the Borrower, the Guarantors, the Lenders identified therein and
Bank of America, N.A., as Administrative Agent; and</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WHEREAS, the
Borrower has requested certain modifications to the Credit Agreement and the Required
Lenders have agreed to the requested modifications on the terms and conditions set
forth herein.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NOW, THEREFORE, IN
CONSIDERATION of the premises and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
agree as follows:</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Defined Terms</u>.&#160; Capitalized terms used herein but not
otherwise defined herein shall have the meanings provided to such terms in the
Credit Agreement.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Amendments</u>.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2.1&#160;&#160;&#160;&#160;&#160;&#160; In Section 1.1 of the
Credit Agreement, the definition of &#147;Permitted Stock Repurchase&#148; is amended to
read as follows:</font></p>

<p style="margin:0pt 0pt 12.0pt 48.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">&#147;<u>Permitted
Stock Repurchase</u>&#148; means the repurchase of Capital Stock of the Borrower in
an aggregate amount of up to (i) prior to the date of the Fifth Amendment to
the Credit Agreement, $50 million and (i) on and after the date of the Fifth
Amendment to the Credit Agreement, $100 million (excluding any repurchases made
prior to the date of the Fifth Amendment to the Credit Agreement).</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2.2&#160;&#160;&#160;&#160;&#160;&#160; In Section
7.1(b)(ii)(A), (B) and (C) of the Credit Agreement, the phrase &#147;forty-five (45)
days&#148; is amended to read &#147;forty-five (45) days (or, in the case of the fourth
fiscal quarter, seventy-five (75) days)&#148;.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u style="letter-spacing:-.15pt;">Conditions Precedent</u><font style="letter-spacing:-.15pt;">.&#160; </font>This
Amendment shall be effective as of the date hereof upon execution of this
Amendment by the Credit Parties and the Required Lenders.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Reaffirmation
of Representations and Warranties</u>.&#160;
The Borrower and each Guarantor represents and warrants that the
representations and warranties set forth in the Credit Agreement and the other
Credit Documents are true and correct in all material respects as of the date
hereof (except those that expressly relate to an earlier period).</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Reaffirmation of Guaranty</u>.&#160; <font style="letter-spacing:-.15pt;">Each
Guarantor (a) acknowledges and consents to all of the terms and conditions of
this Amendment, (b) affirms all of its obligations under the Credit Documents and
(c) agrees that this Amendment and all documents executed in connection
herewith do not operate to reduce or discharge such Guarantor&#146;s obligations
under the Credit Documents.</font></font></p>

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<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u>Reaffirmation of Security Interests</u>.&#160; The
Borrower and each Guarantor (i) affirms that
each of the Liens granted in or pursuant to the Credit Documents are valid and
subsisting and (ii) agrees that this Amendment shall in no manner impair or
otherwise adversely effect any of the Liens granted in or pursuant to the
Credit Documents.</p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No
Other Changes</u>.&#160; Except as modified
hereby, all of the terms and provisions of the Credit Documents (including
schedules and exhibits thereto) shall remain in full force and effect.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">8.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Counterparts</u>.&#160; This Amendment may be executed in any number
of counterparts, each of which when so executed and delivered shall be deemed
an original and it shall not be necessary in making proof of this Amendment to
produce or account for more than one such counterpart.</font></p>

<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Governing
Law</u>.&#160; This Amendment shall be deemed
to be a contract made under, and for all purposes shall be construed in
accordance with, the laws of the State of North Carolina.</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages Follow]</font></p>

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<p style="margin:0pt 0pt 12.0pt;text-indent:20.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">IN WITNESS WHEREOF, each of
the parties hereto has caused a counterpart of this Fifth Amendment to be duly
executed and delivered as of the date first above written.</font></p>

<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt 12.0pt 108.0pt;text-indent:-108.0pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">BORROWER</font></u><font style="letter-spacing:-.15pt;">:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;text-indent:-108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">ADVANCE AMERICA, CASH ADVANCE
CENTERS, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/
Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth
E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive Officer and President</font></p>

<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt 12.0pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">GUARANTORS</font></u><font style="letter-spacing:-.15pt;">:</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">AARC, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Monica L. Allie&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;page-break-after:avoid;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:&#160;&#160;&#160;&#160; Monica
L. Allie</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; President</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA SERVICING OF ARKANSAS, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA SERVICING OF INDIANA, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA LEASING SERVICES, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">AAIC, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALABAMA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF ALASKA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARIZONA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF ARKANSAS, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF CALIFORNIA, LLC,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF COLORADO, LLC,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF CONNECTICUT, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF DELAWARE, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF DISTRICT OF COLUMBIA, INC.,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF FLORIDA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF GEORGIA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF HAWAII, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF IDAHO, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF ILLINOIS, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF INDIANA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF IOWA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF KANSAS, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF KENTUCKY, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF LOUISIANA, LLC, a Delaware
limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MAINE, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH
ADVANCE CENTERS OF MARYLAND, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth
E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive Officer and President</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages
Continue]</font></p>

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<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MASSACHUSETTS, INC., a
Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MICHIGAN, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MINNESOTA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSISSIPPI, LLC,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MISSOURI, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF MONTANA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEBRASKA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEVADA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW HAMPSHIRE, INC., a
Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW JERSEY, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW MEXICO, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NEW YORK, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH CAROLINA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF NORTH DAKOTA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF OHIO, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF OKLAHOMA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF OREGON, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF PENNSYLVANIA, LLC, a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH CAROLINA, INC., a
Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF SOUTH DAKOTA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF TENNESSEE, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF TEXAS, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF UTAH, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF VERMONT, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF VIRGINIA, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF WEST VIRGINIA, INC., a
Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF WISCONSIN, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA, CASH ADVANCE CENTERS OF WYOMING, INC., a Delaware
corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA SERVICING OF GEORGIA, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF ALABAMA, L.L.C., a Tennessee limited
liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF ARKANSAS, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF COLORADO, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF INDIANA, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF IOWA, L.L.C., a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF KANSAS, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF MISSISSIPPI, LLC, a Tennessee limited
liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF MISSOURI, L.L.C., a Tennessee limited
liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF NEBRASKA, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF NEW JERSEY, L.L.C., a Tennessee limited
liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF OHIO, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF OREGON, LLC, a Tennessee limited liability
company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK ADVANCE OF WASHINGTON, L.L.C., a Tennessee limited
liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">MCKENZIE CHECK
ADVANCE OF WISCONSIN, LLC, a Tennessee limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NCAS OF DELAWARE, LLC, a
Delaware limited liability company</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NCAS OF NEW JERSEY, LLC,
a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth
E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive Officer and President</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages
Continue]</font></p>

<br><hr size="3" width="100%" noshade color="#010101" align="center">

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<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">AA CHALLENGER, LLC, a Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">AA AIR, LLC, a Delaware
limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA MONEY.COM, INC., a Delaware corporation</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ACSO OF MICHIGAN, INC., a
Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth
E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive Officer and President</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ACSO OF TEXAS, L.P.,</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Texas limited partnership</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADVANCE AMERICA SERVICING OF TEXAS, L.P.,</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Texas limited
partnership</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ADVANCE AMERICA, CASH
ADVANCE CENTERS OF TEXAS, INC.,<br>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a Delaware corporation and
its general partner</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0pt 0pt .0001pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief
Executive Officer and President</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">W.P.S. SYSTEMS, LTD. OF NEW ENGLAND,</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Rhode Island
corporation</font></p>

<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt .0001pt 36.0pt;text-indent:-36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>ADVANCE
AMERICA, CASH ADVANCE CENTERS OF RHODE ISLAND, INC.,</p>

<p style="margin:0pt 0pt 12.0pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">a Delaware corporation</font></p>

<p style="margin:0pt 0pt .0001pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt 36.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief
Executive Officer and President</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages
Continue]</font></p>

<br><hr size="3" width="100%" noshade color="#010101" align="center">

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<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NCA OF LOUISIANA, LLC, a
Delaware limited liability company</font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; /s/ Kenneth E. Compton&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Name:&#160;&#160;&#160;&#160; Kenneth
E. Compton</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Chief Executive Officer and President</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages
Continue]</font></p>

<br><hr size="3" width="100%" noshade color="#010101" align="center">

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<p style="margin:0pt 0pt .0001pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">ADMINISTRATIVE</font></u></p>

<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt 12.0pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">AGENT</font></u>:<font size="1" style="font-size:5.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;&nbsp;&nbsp;&nbsp;</font>BANK OF AMERICA, N.A., as Administrative
Agent</p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="font-family:Times New Roman;font-size:10.0pt;margin:0pt 0pt 12.0pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">LENDERS</font></u>:<font size="1" style="font-size:5.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &nbsp;&nbsp;&nbsp;&nbsp;</font>BANK OF AMERICA, N.A., as a Lender</p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:&#160;&#160;&#160;&#160; Scott K. Mitchell</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:&#160;&#160;&#160;&#160;&#160;&#160; Senior Vice President</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WACHOVIA BANK, NATIONAL
ASSOCIATION</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">US BANK NATIONAL ASSOCIATION</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">WELLS
FARGO BANK, N.A.</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NATIONAL CITY BANK OF
PENNSYLVANIA</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">NATIONAL BANK OF SOUTH
CAROLINA</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">CAROLINA FIRST BANK</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p align="center" style="margin:0pt 0pt 12.0pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">[Signature Pages Continue]</font></p>

<br><hr size="3" width="100%" noshade color="#010101" align="center">

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<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FIRST TENNESSEE BANK
NATIONAL ASSOCIATION</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;page-break-after:avoid;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;page-break-after:avoid;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">BRANCH
BANKING AND TRUST COMPANY</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;letter-spacing:-.15pt;">TEXAS
CAPITAL BANK, NA</font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:<u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u></font></p>

<p style="margin:0pt 0pt .0001pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Name:</font></p>

<p style="margin:0pt 0pt 12.0pt 108.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Title:</font></p>

<p style="margin:0pt 0pt 12.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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