Form 8-K

8-K — Katapult Holdings, Inc.

Accession: 0001104659-26-113271

Filed: 2026-10-02

Period: 2026-09-30

CIK: 0001785424

SIC: 7359 (SERVICES-EQUIPMENT RENTAL & LEASING, NEC)

Item: Entry into a Material Definitive Agreement

Item: Financial Statements and Exhibits

Documents

8-K — tm2625971d1_8k.htm (Primary)

EX-10.1 — EXHIBIT 10.1 (tm2625971d1_ex10-1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — FORM 8-K

8-K (Primary)

Filename: tm2625971d1_8k.htm · Sequence: 1

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0001785424

2026-09-30

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):

September 30, 2026

KATAPULT

HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Delaware

001-39116

84-2704291

(State or other jurisdiction

of incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

400 Galleria Parkway SE, Suite 300, Atlanta, GA

30339

(Address of principal executive offices)

(Zip Code)

(678) 402-3000

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended

to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction

A.2. below):

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on

Which Registered

Common Stock, par value $0.0001 per share

KPLT

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth

company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities

Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant

has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant

to Section 13(a) of the Exchange Act. ¨

Item 1.01 Entry into a Material Definitive Agreement

On September 30, 2026, CCF OpCo LLC (the “Borrower”),

a wholly owned subsidiary of Katapult Holdings, Inc. (the “Company”), entered into a Seventh Amendment (the “Seventh

Amendment”) to that certain Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023, by and among

the Borrower, the lenders from time to time party thereto, The Huntington National Bank, successor by merger to Veritex Community Bank

(“Huntington”), as resigning administrative agent, Sunflower Bank, N.A., as successor administrative agent (“Sunflower”), and BP Funding Trust, Series SPL-V, as Class B Agent (“BP Funding

Trust”) (the “Credit Agreement”).

The Seventh Amendment extends the scheduled Draw Period Termination

Date (as defined in the Seventh Amendment) from September 30, 2026 to November 30, 2026, subject to earlier termination upon the occurrence

of an unwaived Cease Funding Event (as defined in the Credit Agreement) and any extension requested by the Borrower and approved by the

lenders in accordance with the Credit Agreement.

Upon the occurrence of a Draw Period Termination Date, a twelve-month

amortization period will commence as described in the Credit Agreement, and, absent an Event of Default (as defined in the Credit Agreement),

the maturity date will not occur until the end of such amortization period.

In connection with entry into the Seventh Amendment, the Borrower

entered into an Assignment and Assumption of Revolving Credit Documents (the “Assignment and Assumption”), by and among

the Borrower, Huntington, Sunflower and BP Funding Trust, pursuant to which Huntington simultaneously resigned as administrative

agent and assigned, and Sunflower assumed, all of Huntington’s rights, title and interest in that capacity under the Credit

Agreement, and Sunflower was appointed as successor administrative agent. Other than as modified by the Seventh Amendment and the

Assignment and Assumption, the Credit Agreement remains in full force and effect.

The foregoing description of the Seventh Amendment does not purport

to be complete and is qualified in its entirety by reference to the Seventh Amendment, which is attached as Exhibit 10.1 to this Current

Report on Form 8-K and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

Exhibit

No.

Exhibit

10.1†

Seventh Amendment to Second Amended and Restated Revolving Credit Agreement, dated as of September 30, 2026, by and among CCF OpCo LLC, as Borrower, the lenders from time to time party thereto, The Huntington National Bank, successor by merger to Vertix Community Bank, as resigning administrative agent, Sunflower Bank, N.A., as administrative agent, and BP Funding Trust, Series SPL-V, as Class B Agent.

104

Cover Page Interactive Data File (the cover page XBRL tags are embedded within the inline XBRL document)

† Pursuant to Item 601(a)(5) of Regulation S-K, certain schedules and similar attachments have been omitted. the Company hereby agrees to

furnish supplementally a copy of any omitted schedule or similar attachment to the U.S. Securities and Exchange Commission upon request.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934,

the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date:

October 2, 2026

/s/ Russell Falkenstein

Name: Russell Falkenstein

Title: Executive Vice President, Chief Financial Officer

EX-10.1 — EXHIBIT 10.1

EX-10.1

Filename: tm2625971d1_ex10-1.htm · Sequence: 2

Exhibit 10.1

Execution Version

SEVENTH

AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

This SEVENTH AMENDMENT

TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT (this “Amendment”), is dated and entered into

as of September 30, 2026, among CCF OPCO LLC, a Delaware limited liability company (“Borrower”),

the Lenders party hereto, THE HUNTINGTON NATIONAL BANK, SUCCESSOR BY MERGER TO VERITEX COMMUNITY BANK, as existing Administrative

Agent (in such capacity, the “Resigning Agent”), SUNFLOWER BANK, N.A., as Administrative Agent (in such

capacity, the “Administrative Agent”), and BP FUNDING TRUST, SERIES SPL-V, a statutory series of BP

Funding Trust, a Delaware statutory trust, for itself and for no other series of BP Funding Trust, as Class B Agent (in such capacity,

“Class B Agent”). Capitalized terms used herein that are not otherwise defined shall have the meanings

ascribed thereto in the Loan Agreement (defined below).

RECITALS

WHEREAS, reference is hereby

made to that certain Second Amended and Restated Revolving Credit Agreement dated as of December 29, 2023 (as may be amended, restated,

modified and/or supplemented from time to time, the “Loan Agreement”), among the Borrower, the Lenders from

time to time party thereto, the Subsidiary Guarantors party thereto, the Resigning Agent and Class B Agent;

WHEREAS, pursuant to that

certain Assignment Agreement dated as of the date hereof (the “Assignment Agreement”), by and between Sunflower

Bank, N.A. (“Sunflower”) and The Huntington National Bank, successor by merger to Veritex Community Bank (“Veritex”),

and consented to by Borrower, Veritex, as a lender, assigned all of its interests in its Class A Loans to Sunflower;

WHEREAS, simultaneously with

the effectiveness of the Assignment Agreement, pursuant to that certain Assignment and Assumption of Revolving Credit Documents dated

as of the date hereof, executed by and among the Administrative Agent, as assignee, the Resigning Agent, as assignor, and Borrower (the

“Assignment and Assumption”), the Resigning Agent resigned as administrative agent under the Loan Agreement

and assigned all of its rights, title, and interest in the Loan Agreement and the other Revolving Credit Documents to the Administrative

Agent, and the Administrative Agent was appointed replacement administrative agent under the Loan Agreement and assumed all of the rights,

title and interest of the Resigning Agent in the Loan Agreement and the other Revolving Credit Documents;

WHEREAS, pursuant to Section 10.01

of the Loan Agreement, certain amendments, waivers or other modifications of the Loan Agreement shall not be effective without the written

concurrence of the Required Lenders or all the Lenders, as applicable, and the Borrower or the applicable CCF Party, as the case may

be, with receipt acknowledged by Administrative Agent; and

WHEREAS, each Lender and

Borrower wishes to amend certain provisions of the Loan Agreement on and subject to the terms and conditions set forth below.

NOW, THEREFORE, in consideration

of the mutual agreements contained in this Amendment and other good and valuable consideration, the receipt and sufficiency of which

are hereby acknowledged, the parties hereto hereby mutually agree as follows:

Article I

- AMENDMENTS TO LOAN AGREEMENT

Section 1.01           Effective

as of the date hereof, the Loan Agreement (including, for the avoidance of doubt, Schedules 2.01 and 10.02 and Exhibits A, B, C, D, E-1,

E-2, F, H and I to the Loan Agreement, but not any other Schedules or Exhibits thereto) is hereby amended (a) to delete the red

or green stricken text (indicated textually in the same manner as the following examples: stricken text

and stricken text) and (b) to add the blue or green double-underlined text

(indicated textually in the same manner as the following examples: double-underlined

text and double-underlined text), in each case, as set

forth in the marked copy of the Loan Agreement (including, for the avoidance of doubt, Schedules 2.01 and 10.02 and Exhibits A, B, C,

D, E-1, E-2, F, H and I to the Loan Agreement, but not any other Schedules or Exhibits thereto) attached hereto as Annex I and

made a part hereof for all purposes.

Article II

- CONDITIONS TO EFFECTIVENESS

Section 2.01           This

Amendment shall become effective as of the date (the “Amendment Effective Date”) that Administrative Agent

shall have received:

(i)             each

of this Amendment, the Assignment Agreement and the Assignment and Assumption, duly executed and delivered on behalf of each party hereto;

(ii)            results

of a search of the UCC (or equivalent) filings made with respect to the Loan Parties in the jurisdictions identified by Administrative

Agent and copies of the financing statements (or similar documents) disclosed by such search and evidence reasonably satisfactory to

Administrative Agent that the Liens indicated by such financing statements (or similar documents) are Permitted Liens; and

(iii)           such

other documents, opinions, certificates, information and consents as the Administrative Agent shall reasonably request in connection

herewith.

Article III

- REPRESENTATIONS AND WARRANTIES

Section 3.01           Borrower

hereby represents and warrants to each Lender and Administrative Agent on and as of the Amendment Effective Date that:

(a)            the

representations and warranties of Borrower under each of the Revolving Credit Documents (as amended or modified hereby) to which it is

a party are true and correct as if made and restated on the date hereof (other than any representation and warranty that specifically

relates to a specified prior date, in which case such representation and warranty shall be true and correct in all material respects

on and as of such specified prior date).

(b)           (i) the

individual executing this Amendment on behalf of Borrower is duly authorized to do so, (ii) Borrower has full right and authority

to enter into this Amendment and to consummate the transactions described in this Amendment and (iii) this Amendment constitutes

the valid and legally binding obligation of Borrower, enforceable against Borrower in accordance with its terms.

Default or Event of Default has occurred and is continuing and no event or condition, the occurrence of which immediately is or, with

the lapse of time or the giving of notice or both, would become a Backup Servicing Trigger Event or Cease Funding Event.

- 2 -

(d)            The

execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under this Amendment and the

other Revolving Credit Documents (as amended or modified hereby) to which it is a party, in each case, have been duly authorized by all

necessary action on the part of Borrower and do not and will not (i) violate, conflict with or constitute a breach of, or constitute

a default under, any provision of Borrower’s Organizational Documents; (ii) violate, conflict with or constitute a breach

of, or constitute a default under, any provision of any statute, rule, regulation, order, writ, judgment, injunction, decree, determination,

or award presently in effect to which Borrower is a party or is subject, or by which any of its assets are bound or affected; (iii) result

in, or require the creation or imposition of, any Lien upon or with respect to any asset of Borrower other than Liens in favor of the

Administrative Agent and the other Permitted Liens; or (iv) result in a breach of, or constitute a default by Borrower under, any

indenture, loan, or credit agreement or any other agreement, document, instrument, or certificate to which Borrower is a party or subject

or by which it or any of its assets are bound or affected, including, but not limited to, any loan from or agreement of any type with

a third-party lender.

(e)            No

approval, authorization, order, license, permit, franchise, or consent of, or registration, declaration, qualification, or filing with,

any Governmental Authority or other Person is required in connection with the execution and delivery of this Amendment by Borrower and

the performance by Borrower of its obligations under this Amendment or any of the other Revolving Credit Documents (as amended or modified

hereby) to which it is a party, in addition to those that have already been obtained.

(f)             As

of the date hereof, the Subsidiaries of the Borrower set forth on Schedule 1 hereto hold all of the assets that are material to

the Borrower and its Subsidiaries (including licenses to originate consumer loans) and the Subsidiaries of the Borrower that are not

set forth on such Schedule (the “Immaterial Subsidiaries”) do not hold any assets material to the business

of the Borrower and its Subsidiaries.

Article IV

- REAFFIRMATION AND ACKNOWLEDGMENT

Section 4.01           Borrower

hereby: (i) acknowledges, confirms and reaffirms in all respects the terms and provisions of, and confirms the validity and effectiveness

of, each of the Revolving Credit Documents (as amended or modified hereby) to which it is a party; (ii) acknowledges, confirms and

reaffirms its obligations, guarantees and grant of security interests under each of the Revolving Credit Documents (as amended or modified

hereby) to which it is a party; and (iii) confirms and agrees that it has no defenses to or counterclaims or offsets against any

of its obligations under any of the Revolving Credit Documents (as amended or modified hereby) to which it is a party (any such offset,

defense or counterclaim as may exist being hereby irrevocable waived by Borrower.

Article V

- MISCELLANEOUS

Section 5.01           The

amendments set forth in Article I above, respectively, are limited precisely as written and shall not be deemed to (a) be

a waiver of or amendment to any other term or condition of any Revolving Credit Document, or (b) prejudice any other right which

each Lender or the Administrative Agent may now have or may have in the future under or in connection with any Revolving Credit Document

(as amended or modified hereby). All of the terms and provisions of each Revolving Credit Document (as amended or modified hereby) are

and shall remain in full force and effect.

Section 5.02           From

and after the Amendment Effective Date, (i) all references in the Loan Agreement to “this Amendment”, “hereto”,

“hereof”, “hereunder” or words of like import referring to the Loan Agreement shall mean the Loan Agreement (as

amended or modified hereby), and (ii) all references in the other Revolving Credit Documents to the “Loan Agreement”,

“thereto”, “thereof”, “thereunder” or words of like import referring to the Loan Agreement shall

mean the Loan Agreement (as amended or modified hereby). This Amendment shall constitute a Revolving Credit Document.

- 3 -

Section 5.03           This

Amendment and the Revolving Credit Documents (as amended or modified hereby) sets forth the entire agreement of the parties hereto with

respect to the subject matter hereof.

Section 5.04           Neither

this Amendment nor any provision hereof may be waived, amended or modified, except pursuant to a written agreement signed by each of

the parties hereto.

Section 5.05           THIS

AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO ANY CONFLICTS OF LAW PROVISIONS (EXCEPT

FOR SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW) AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER

SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, EXCEPT TO THE EXTENT PREEMPTED BY FEDERAL LAW.

Section 5.06           The

general provisions of Article 10 of the Loan Agreement (as amended or modified hereby) are hereby incorporated by reference

into this Amendment, mutatis mutandis.

Section 5.07           This

Amendment may be executed in counterparts (and by different parties hereto on different counterparts), each of which shall constitute

an original, but all of which when taken together shall constitute a single contract. Delivery of an executed counterpart of a signature

page of this Amendment by telecopy, electronic "PDF" or other electronic means shall be effective as delivery of a manually

executed counterpart of this Amendment.

Section 5.08           The

provisions of this Amendment are intended to be severable. Any provision of this Amendment held to be invalid, illegal or unenforceable

in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without

affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision

in a particular jurisdiction shall not invalidate such provision in any other jurisdiction.

Section 5.09           Borrower

shall pay to or otherwise reimburse each Lender and the Administrative Agent upon demand all reasonable fees, costs and expenses (including

all reasonable fees and expenses of the Administrative Agent’s counsel) incurred by each Lender and the Administrative Agent in

connection with or arising out of the negotiation, preparation, review, execution and delivery of this Amendment.

Section 5.10           In

consideration of each Lender’s and the Administrative Agent’s agreements contained in this Amendment, Borrower hereby irrevocably

releases and forever discharge each Lender, the Administrative Agent and the other Indemnitees (each, a “Released Person”)

of and from any and all claims, suits, actions, investigations, proceedings or demands, whether based in contract, tort, implied or express

warranty, strict liability, criminal or civil statute or common law of any kind or character, known or unknown, which Borrower ever had

or now has against any Lender, the Administrative Agent or any other Released Person which relates, directly or indirectly, to any acts

or omissions of any Lender, the Administrative Agent or any other Released Person relating to the Revolving Credit Documents (as amended

or modified hereby) on or prior to the date hereof

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

- 4 -

IN WITNESS WHEREOF, the parties

hereto have caused this Amendment to be duly executed as of the day and year first above written.

Borrower:

CCF OPCO LLC,

a Delaware limited liability company

By:

/s/ Kyle Hanson

Name: Kyle Hanson

Title: Authorized Signatory

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

Administrative Agent and Class A Lenders:

SUNFLOWER BANK, N.A.,

in its capacity as Administrative Agent and Class A Lender

By:

/s/ Will Lummus

Name:

Will Lummus

Title:

Vice President

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

BUSEY BANK, SUCCESSOR BY MERGER TO CROSSFIRST BANK,

as Class A Lender

By:

/s/ Seth Allen

Name:

Seth Allen

Title:

Senior Vice President

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

B1BANK, SUCCESSOR BY MERGER TO OAKWOOD BANK,

as Class A Lender

By:

/s/ Matt Barker

Name:

Matt Barker

Title:

Vice President

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

Class B Agent and Class B Lender:

BP FUNDING TRUST, SERIES SPL-V,

a statutory series of BP Funding Trust, a Delaware statutory trust, for itself and for no other series of BP Funding Trust, in its capacity as Class B Agent and Class B Lender

By:

BasePoint Capital II, LLC,

Not in its individual capacity but solely as

Administrator of BP Funding Trust

By:

/s/ Michael Petronio

Name:

Michael Petronio

Title:

Authorized Signatory

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

Consented to and acknowledged by:

THE HUNTINGTON NATIONAL BANK, SUCCESSOR BY MERGER TO VERITEX COMMUNITY BANK,

as Resigning Agent

By:

/s/ Daniel Keeton

Name:

Daniel Keeton

Title:

Senior Vice President

[Signature

Page to SEVENTH Amendment to SECOND a&r REVOLVING CREDIT AGREEMENT]

Annex I

Loan Agreement

[See attached.]

COMPOSITE OF THE SECOND AMENDED AND RESTATED

REVOLVING CREDIT AGREEMENT, DATED AS OF DECEMBER 29, 2023, AS AMENDED BY THAT CERTAIN FIRST AMENDMENT TO SECOND AMENDED AND RESTATED

REVOLVING CREDIT AGREEMENT, DATED FEBRUARY 23, 2024, THAT CERTAIN SECOND AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT,

DATED MARCH 8, 2024, THAT CERTAIN THIRD AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, DATED APRIL 26, 2024,

THAT CERTAIN FOURTH AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, DATED AUGUST 23, 2024, THAT CERTAIN FIFTH AMENDMENT

TO SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, DATED OCTOBER 16, 2025, THAT CERTAIN SIXTH AMENDMENT TO SECOND AMENDED AND

RESTATED REVOLVING CREDIT AGREEMENT, DATED AS OF AUGUST 28, 2026, AND THAT CERTAIN SEVENTH AMENDMENT TO SECOND AMENDED AND RESTATED REVOLVING

CREDIT AGREEMENT, DATED AS OF SEPTEMBER 30, 2026 (NOTE FOR CONVENIENCE PURPOSES ONLY, SCHEDULES AND EXHIBITS NOT AMENDED HEREBY MAY HAVE

BEEN OMITTED FROM THIS ANNEX I).

ANNEX I

SEVENTH AMENDMENT TO

SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

NOTE: The changes to the Second Amended and

Restated Revolving Credit Agreement set forth below are reflected as follows: deletions are shown by the stricken text (indicated textually

in the same manner as the following example: stricken text and stricken

text); and additions are shown by the double-underlined text (indicated textually in the same manner as the following

example: double-underlined text and double-underlined

text).

SECOND AMENDED AND RESTATED REVOLVING CREDIT

AGREEMENT

dated as of December 29, 2023

among

CCF

OpCo LLC,

as Borrower,

The

Subsidiaries of Borrower Party Hereto,

as Subsidiary Guarantors,

The

Financial Institutions Party Hereto,

as Lenders,

and

VERITEX

COMMUNITYSUNFLOWER

BANK, N.A.,

as Administrative

Agent

CROSSFIRST BANK,

as Syndication Agent

SUNFLOWER BANK, N.A.

as Documentation Agent

BP FUNDING TRUST, SERIES SPL-V,

as Class B Agent

Table

of Contents

Page

Article 1

CERTAIN DEFINED TERMS; CERTAIN RULES OF CONSTRUCTION

SECTION 1.01

CERTAIN DEFINED TERMS.

Article 2

TERMS OF REVOLVING CREDIT LOANS

SECTION 2.01

REVOLVING CREDIT LOANS

SECTION 2.02

PROCEDURES FOR BORROWING

SECTION 2.03

[Intentionally Omitted]

SECTION 2.04

[Intentionally Omitted]

SECTION 2.05

BORROWING BASE SHORTFALL;

PAYMENTS AND PREPAYMENTS

SECTION 2.06

[INTENTIONALLY OMITTED]

SECTION 2.07

FINAL REPAYMENT

SECTION 2.08

INTEREST

SECTION 2.09

APPLICATION OF FUNDS

SECTION 2.10

COMPUTATIONS OF INTEREST

AND FEES

SECTION 2.11

EVIDENCE OF DEBT

SECTION 2.12

PAYMENTS GENERALLY; RIGHT

OF ADMINISTRATIVE AGENT TO MAKE DEDUCTIONS AUTOMATICALLY

SECTION 2.13

SHARING OF PAYMENTS

SECTION 2.14

[INTENTIONALLY OMITTED]

SECTION 2.15

SECURITY FOR THE OBLIGATIONS;

SERVICE PROVIDERS

SECTION 2.16

DEFAULTING LENDERS

Article 3

TAXES, YIELD PROTECTION AND ILLEGALITY

SECTION 3.01

TAXES

SECTION 3.02

[INTENTIONALLY OMITTED]

SECTION 3.03

[INTENTIONALLY OMITTED]

SECTION 3.04

INCREASED COSTS

SECTION 3.05

[INTENTIONALLY OMITTED]

SECTION 3.06

MITIGATION OBLIGATIONS

SECTION 3.07

REMOVAL OR REPLACEMENT OF

LENDERS

SECTION 3.08

SURVIVAL

Article 4

CONDITIONS PRECEDENT

SECTION 4.01

CONDITIONS TO EFFECTIVENESS AND INITIAL BORROWING

SECTION 4.02

CONDITIONS TO ALL BORROWINGS

Article 5

REPRESENTATIONS AND WARRANTIES

SECTION 5.01

CORPORATE EXISTENCE AND POWER

SECTION 5.02

CORPORATE AUTHORIZATION;

NO CONTRAVENTION

SECTION 5.03

GOVERNMENTAL AUTHORIZATION;

COMPLIANCE WITH LAWS

SECTION 5.04

BINDING EFFECT

SECTION 5.05

LITIGATION

SECTION 5.06

NO DEFAULTS, CEASE FUNDING

EVENT OR BACKUP SERVICING TRIGGER EVENT

SECTION 5.07

EMPLOYEE BENEFIT PLANS

SECTION 5.08

USE OF PROCEEDS

Page i

SECTION 5.09

TITLE TO PROPERTIES

SECTION 5.10

TAXES

SECTION 5.11

FINANCIAL CONDITION

SECTION 5.12

ENVIRONMENTAL MATTERS

SECTION 5.13

MARGIN REGULATIONS; REGULATED

ENTITIES

SECTION 5.14

SWAP OBLIGATIONS

SECTION 5.15

INTELLECTUAL PROPERTY

SECTION 5.16

EQUITY INTERESTS HELD BY

BORROWER; EQUITY INTERESTS IN BORROWER

SECTION 5.17

INSURANCE

SECTION 5.18

COLLATERAL AND COLLATERAL

DOCUMENTS

SECTION 5.19

LABOR RELATIONS

SECTION 5.20

SOLVENCY

SECTION 5.21

FULL DISCLOSURE

SECTION 5.22

CERTAIN EXHIBITS AND SCHEDULES

Article 6

AFFIRMATIVE COVENANTS

SECTION 6.01

REPORTING REQUIREMENTS

SECTION 6.02

CERTIFICATES; OTHER INFORMATION

SECTION 6.03

NOTICES

SECTION 6.04

PAYMENT OF CERTAIN OBLIGATIONS

SECTION 6.05

PRESERVATION OF EXISTENCE, ETC.

SECTION 6.06

MAINTENANCE OF PROPERTIES

SECTION 6.07

MAINTENANCE OF INSURANCE

SECTION 6.08

COMPLIANCE WITH LAWS

SECTION 6.09

BOOKS AND RECORDS

SECTION 6.10

INSPECTION RIGHTS; DATA ACCESS;

BACK-UP SERVICER

SECTION 6.11

USE OF PROCEEDS

SECTION 6.12

FINANCIAL COVENANTS

SECTION 6.13

Deposit Accounts; Collections; Cash Management

SECTION 6.14

FURTHER ASSURANCES

SECTION 6.15

POST-CLOSING DELIVERIES

Article 7

NEGATIVE COVENANTS

SECTION 7.01

LIENS

SECTION 7.02

INVESTMENTS

SECTION 7.03

DEBT

SECTION 7.04

FUNDAMENTAL CHANGES

SECTION 7.05

DISPOSITIONS

SECTION 7.06

RESTRICTED PAYMENTS

SECTION 7.07

[INTENTIONALLY OMITTED]

SECTION 7.08

TRANSACTIONS WITH AFFILIATES

SECTION 7.09

BURDENSOME AGREEMENTS

SECTION 7.10

USE OF PROCEEDS

SECTION 7.11

CERTAIN GOVERNMENTAL REGULATIONS

SECTION 7.12

AMENDMENT OF MATERIAL DOCUMENTS

100

SECTION 7.13

DISQUALIFIED EQUITY INTERESTS

100

SECTION 7.14

CERTAIN OTHER MAJOR DECISIONS

100

Page ii

Article 8

EVENTS OF DEFAULT AND REMEDIES

101

SECTION 8.01

EVENTS OF DEFAULT

101

SECTION 8.02

REMEDIES UPON EVENT OF DEFAULT

103

Article 9

ADMINISTRATIVE AGENT

104

SECTION 9.01

APPOINTMENT OF AUTHORIZATION

OF ADMINISTRATIVE AGENT

104

SECTION 9.02

RIGHTS AS A LENDER

105

SECTION 9.03

EXCULPATORY PROVISIONS

105

SECTION 9.04

RELIANCE BY ADMINISTRATIVE

AGENT

106

SECTION 9.05

DELEGATION OF DUTIES

106

SECTION 9.06

RESIGNATION OF ADMINISTRATIVE

AGENT

106

SECTION 9.07

NON-RELIANCE ON ADMINISTRATIVE

AGENT AND OTHER LENDERS

107

SECTION 9.08

SYNDICATION AGENT, DOCUMENTATION AGENT OR OTHER TITLES

107

SECTION 9.09

ADMINISTRATIVE AGENT MAY

FILE PROOFS OF CLAIM

108

SECTION 9.10

GUARANTY MATTERS

108

SECTION 9.11

COLLATERAL MATTERS

108

Article 10

GENERAL PROVISIONS

113

SECTION 10.01

AMENDMENTS, ETC.

113

SECTION 10.02

NOTICES; EFFECTIVENESS; ELECTRONIC COMMUNICATIONS

115

SECTION 10.03

NO WAIVER; CUMULATIVE REMEDIES

117

SECTION 10.04

EXPENSES; INDEMNITY; DAMAGE WAIVER

117

SECTION 10.05

MARSHALLING; PAYMENTS SET ASIDE; RELEASES UPON DISCHARGE OF SECURED OBLIGATIONS

119

SECTION 10.06

SUCCESSORS AND ASSIGNS

120

SECTION 10.07

TREATMENT OF CERTAIN INFORMATION; CONFIDENTIALITY

123

SECTION 10.08

RIGHT OF SETOFF

124

SECTION 10.09

INTEREST RATE LIMITATION

124

SECTION 10.10

COUNTERPARTS; INTEGRATION; EFFECTIVENESS; ELECTRONIC EXECUTION

124

SECTION 10.11

SURVIVAL OF REPRESENTATIONS AND WARRANTIES

125

SECTION 10.12

SEVERABILITY

125

SECTION 10.13

USA PATRIOT ACT NOTICE

125

SECTION 10.14

GUARANTY BY SUBSIDIARIES

126

SECTION 10.15

TIME OF THE ESSENCE

131

SECTION 10.16

GOVERNING LAW; JURISDICTION; ETC.

131

SECTION 10.17

WAIVER OF RIGHT TO JURY TRIAL

132

SECTION 10.18

LIMITED LIABILITY

133

SECTION 10.19

LENDER NOT A FIDUCIARY OR PRINCIPAL

133

SECTION 10.20

LENDER’S DISCRETION

133

SECTION 10.21

NOT A SECURITY

133

SECTION 10.22

SUBORDINATION PROVISIONS

134

Page iii

Schedules

Subsidiary Guarantors

Original CIC Schedules

TMX Legacy Subsidiaries

1.01

Applicable States

1.02A

Approved CSOs

1.02B

Approved CSO Agreements

1.03

Deposit Accounts

1.03A

CIC Existing Accounts

1.05

Flow of Funds

Exhibit 1 to Flow of Funds

2.01

Lenders; Commitments; Percentage Shares

5.05

Litigation

5.12

Environmental Matters

5.16

Equity Interests Held by Borrower; Equity Interests in Borrower

5.18

Applicable Filing Offices

5.19

Labor Issues

6.15

Post-Closing Deliveries

7.01

Existing Liens

7.03

Existing Debt

7.04(b)(iv)

Dormant or Immaterial Subsidiaries

7.08

Affiliate Transactions

10.02

Administrative Agent’s Office; Certain Addresses for Notices

Exhibits

Agreed Concentration Targets

Consumer Receivable Eligibility Criteria

Program Summary

Underwriting Guidelines

Servicing Policy

6.01(f)(i)

Loan Summary File

6.01(f)(ii)

Transaction File

Form of Assignment and Assumption

Form of Compliance Certificate

Form of Joinder Agreement

Form of Notice of Borrowing

E-1

Form of Promissory Note A

E-2

Form of Promissory Note B

Form of Power of Attorney

Intentionally Omitted

Form of Borrowing Base Certificate

Form of Data Field Certificate

Form of Merger Agreement

Page iv

SECOND

AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

This Second

Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, modified or otherwise supplemented

from time to time in accordance with the terms hereof, this “Agreement”) is among CCF OPCO LLC, a Delaware

limited liability company (“Borrower”), the Subsidiary Guarantors party hereto, the several financial institutions

or other entities party to this Agreement as Lenders, VERITEX COMMUNITYSUNFLOWER

BANK, N.A.,

as Administrative Agent, and BP FUNDING TRUST, SERIES SPL-V, a statutory series of BP FUNDING TRUST, a Delaware statutory

trust, for itself and for no other series of BP FUNDING TRUST, as Class B Agent.

Recitals

WHEREAS Borrower, certain

subsidiaries of Borrower (the “Legacy CCF Subsidiaries”) and BP COMMERCIAL FUNDING TRUST, SERIES SPL-VI, a

statutory series of BP COMMERCIAL FUNDING TRUST, a Delaware statutory trust, for itself and for no other series of BP COMMERCIAL FUNDING

TRUST (“BP Commercial Funding Trust VI”), as administrative agent and lender thereunder, entered into that

certain Revolving Credit Agreement dated as of March 25, 2021 (as amended, restated, supplemented or otherwise modified prior to

the date hereof, the “Original CCF Revolving Credit Agreement” and, as modified by the Closing Date Assignment

and Assumption Agreement (as defined below), the “Existing CCF Revolving Credit Agreement” );

WHEREAS, pursuant to that

certain Assignment and Assumption Agreement, dated as of August 30, 2021 (the “Closing Date Assignment and Assumption

Agreement”), between BP Commercial Funding Trust VI, BP Funding Trust, Series SPL-V, a statutory series of BP Funding

Trust, a Delaware statutory trust, for itself and for no other series of BP Funding Trust (“BP Funding Trust V”),

the Borrower, CreditCorp, CCF Holdings LLC and CCF Intermediate Holdings LLC, BP Commercial Funding Trust VI, in its capacity as administrative

agent and as a lender, assigned all of its right, title and interest in the Original CCF Revolving Credit Agreement and certain other

Credit Documents (as defined in the Original CCF Revolving Credit Agreement) to BP Funding Trust V;

WHEREAS Creditcorp, a Tennessee

corporation (“CreditCorp”), is a borrower under that certain Revolving Credit Agreement dated as of July 13,

2018 by and among CreditCorp, the subsidiaries of CreditCorp party thereto as guarantors (certain of such subsidiaries, the “Legacy

CIC Subsidiaries”), the lenders party thereto and BP Funding Trust V, as administrative agent thereunder (as amended, restated,

supplemented or otherwise modified prior to the date hereof, the “Original CIC Credit Agreement” and, as modified

by the Closing Date Assignment and Assumption Agreement, the “Existing CIC Credit Agreement”);

WHEREAS, pursuant to the

Closing Date Assignment and Assumption Agreement, CreditCorp assigned to the Borrower, and the Borrower assumed and agreed to perform,

all of CreditCorp's obligations under the Original CIC Credit Agreement and certain other Loan Documents (as defined in the Original

CIC Credit Agreement) (as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Existing CIC

Loan Documents”);

WHEREAS, Borrower, Subsidiary

Guarantors and BP Funding Trust V, as administrative agent and lender thereunder, and certain other financial institutions party thereto,

entered into that certain Amended and Restated Revolving Credit Agreement dated as of August 30, 2021 (as amended, restated, supplemented

or otherwise modified prior to the date hereof, the “Existing Revolving Credit Agreement”);

Page 1

WHEREAS, pursuant to that

certain Assignment Agreement dated as of December 29, 2023 (the “Closing Date Assignment Agreement”),

between BP Funding Trust V and VERITEX COMMUNITY BANK (“Veritex”), and consented to by Borrower, BP Funding

Trust V, as a lender, assigned a portion of the “Class A Loan” (for this purpose, as defined in the Existing Revolving

Credit Agreement) to Veritex;

WHEREAS, simultaneously with

the effectiveness of the Closing Date Assignment Agreement, pursuant to that certain Assignment and Assumption of Existing Revolving

Credit Documents dated as of December 29, 2023, executed by and between BP Funding Trust V, as assignor, Veritex, as assignee, BP

Funding Trust V, as resigning administrative agent, and Borrower, BP Funding Trust V resigned as administrative agent under the Existing

Revolving Credit Agreement and Veritex was appointed replacement administrative agent under the Existing Revolving Credit Agreement;

WHEREAS,

pursuant to that certain Assignment Agreement dated as of September 30, 2026 (the “Seventh Amendment Assignment Agreement”),

between Veritex and SUNFLOWER BANK, N.A. (“Sunflower”), and consented to by Borrower, Veritex, as a lender,

assigned a portion of the “Class A Loan” (for this purpose, as defined in the Existing Revolving Credit Agreement) to

Sunflower;

WHEREAS,

simultaneously with the effectiveness of the Seventh Amendment Assignment Agreement, pursuant to that certain Assignment and Assumption

of Existing Revolving Credit Documents dated as of September 30, 2026, executed by and between Veritex, as assignor, Sunflower,

as assignee, Veritex, as resigning administrative agent, and Borrower, Veritex resigned as administrative agent under the Existing Revolving

Credit Agreement and Sunflower was appointed replacement administrative agent under the Existing Revolving Credit Agreement;

WHEREAS Borrower and Subsidiary Guarantors have

requested that Administrative Agent and Lenders agree to amend and restate the Existing Revolving Credit Agreement on the terms and conditions

contained herein;

WHEREAS Lenders have agreed

severally to make available to Borrower the extensions of credit referenced herein on the terms and conditions contained herein;

NOW, THEREFORE, in consideration

of the mutual agreements, provisions and covenants contained herein and for other good and valuable consideration (the receipt and sufficiency

of which are hereby acknowledged), the parties agree as follows:

Agreement

Article 1

CERTAIN DEFINED TERMS; CERTAIN RULES OF CONSTRUCTION

SECTION 1.01                      CERTAIN

DEFINED TERMS.

As used herein:

“Aaron’s

Holdco” means Aaron’s Intermediate Holdco, Inc., a Delaware corporation.

“Account Bank”

means each Concentration Account Bank and Borrower Funding Account Bank, in each case, acceptable to Administrative Agent in its Permitted

Discretion.

Page 2

“Account Control

Agreement” means each agreement in form and substance satisfactory to Administrative Agent, in its Permitted Discretion,

which provides Administrative Agent (or an agent thereof) with “control” over (within the meaning of the UCC), and a first

priority, perfected Lien on, each Deposit Account (other than any Excluded Account or Zero Balance Account) of each Credit Party and

the proceeds of Collateral and all other property and assets from time to time on deposit or otherwise credited thereto.

“Acquiree”

has the meaning ascribed thereto in the definition of “Permitted Acquisition” contained herein.

“Acquisition”

means any transaction or series of related transactions resulting, directly or indirectly, in: (a) the acquisition by any Person

of: (i) all or substantially all of the assets of another Person; or (ii) any business unit or division of another Person;

(b) the acquisition by any Person of in excess of 50.00% of the Equity Interests of any other Person, or otherwise causing any other

Person to become a Subsidiary of such Person; or (c) a merger or consolidation, or any other combination, of any Person with another

Person (other than a Person that is a wholly-owned Subsidiary) in which Borrower or a Subsidiary of Borrower is the surviving Person.

“Act”

means the USA Patriot Act (Title III of Pub. L. 107-56 (signed into law October 26, 2001)).

“Additional Approved

CSO” means any additional credit services organization or similar unaffiliated, third-party lender or other counterparty

selected by Borrower and approved by each of Administrative Agent and Class B Agent, each in its sole discretion.

“Additional Approved

Deposit Funding Account” means any additional deposit account of any Credit Party; provided, that (i) such

deposit account was established by such Credit Party in connection with a receivables purchase agreement between a third party seller

and a Credit Party pursuant to which such seller sells to a Credit Party certain interests in consumer loans or other receivables, all

as approved by Administrative Agent in its sole and absolute discretion, (ii) Borrower shall have delivered or caused to have been

delivered to Administrative Agent an acknowledgment and direction letter executed by such seller, the applicable Credit Party and Administrative

Agent, which letter shall, among other things, address the use and disposition of any funds in such deposit account, in form and substance

satisfactory to Administrative Agent in its sole and absolute discretion, and (iii) Administrative Agent shall have approved the

use of any funds held or on deposit in or otherwise credited to such deposit account in its sole and absolute discretion.

“Administrative

Agent” means, at any time, Administrative Agent for the Lenders under each of the Revolving Credit Documents (which, initially,

shall be Veritex CommunitySunflower

Bank, N.A.).

“Administrative

Agent’s Office” means Administrative Agent’s address and, as appropriate, account as set forth on Schedule 10.02,

or such other address or account as Administrative Agent may from time to time notify Borrower, Guarantors and each Lender.

“Administrative

Detail Form” means an administrative detail form in a form supplied by, or otherwise acceptable to, Administrative Agent.

“Administrator”

has the meaning set forth in Section 10.18.

Page 3

“Affiliate”

means, with respect to any Person, another Person that directly, or indirectly through one or more intermediaries, Controls or is Controlled

by or is under common Control with the Person specified; provided that following the Katapult Merger Transaction, except for purposes

of Section 7.08, (i) Aaron’s Holdco and its Subsidiaries, and (ii) Katapult Intermediate and its Subsidiaries

shall not be deemed to be Affiliates of CCF Holdings and its Subsidiaries.

“Aggregate Approved

Deposit Funding Account Cash” means, as of any Business Day, all restricted and unrestricted Cash (determined in accordance

with GAAP) of the Borrower and its Subsidiaries on deposit in the Approved Deposit Funding Accounts, as of the close of business on such

Business Day.

“Aggregate Cash-in-Store”

means, as of any Business Day, the unrestricted Cash (determined in accordance with GAAP) of Borrower that has been received in a CCF

Store's vault, as of the close of business on such Business Day subject to a maximum amount of $33,800,000; provided, however,

that during the months of January, February and March, such maximum amount shall be $54,080,000; provided, further,

however, at no time shall the Aggregate Cash-in-Store attributable to any single CCF Store exceed $500,000.

“Aggregate Cash-in-Transit”

means, as of any Business Day, the unrestricted Cash (determined in accordance with GAAP) of Borrower and its Subsidiaries that is in-transit,

in an armored car, to a CCF Store, as of the close of business on such Business Day, subject to a maximum amount of $8,500,000; provided,

however, that during the months of January, February and March, such maximum amount shall be $13,600,000.

“Aggregate Cash

on Deposit” means, as of any Business Day, the unrestricted Cash (determined in accordance with GAAP) of the Borrower and

its Subsidiaries on deposit in accounts of one or more Legacy CIC Subsidiaries not subject to a deposit account control agreement, as

of the close of business on such Business Day, that is not otherwise subject to a Lien in favor of any Person other than the Administrative

Agent and the Lenders, subject to an aggregate maximum amount of $3,500,000.

“Aggregate Commitments”

means, at any time, the combined Revolving Credit Commitments of all Revolving Credit Lenders; provided, however, that

the Aggregate Commitments shall not exceed the Maximum Commitment Amount.

“Agreed Concentration

Targets” means the product-specific concentration targets determined in accordance with pro-forma underwriting and performance

projections established by mutual agreement between Administrative Agent and Borrower prior to the Closing Date and set forth on Exhibit 1,

as the same is amended or modified from time to time by mutual agreement of Borrower and Administrative Agent.

“Aggregate Deposits-in-Transit”

means checks and cash received by a Credit Party from, or on behalf of, a Consumer Receivable Obligor and checks and cash received by

a money service business customer that have been deposited via scan or courier by a CCF Store for deposit into an Eligible Account but

which have not been credited in the balance of such Eligible Account.

“Agreement”

has the meaning set forth in the preamble hereto.

“Amortization

Period” means the period beginning on the Draw Period Termination Date and ending on the later of (i) the date that

is twelve (12) months after the Draw Period Termination Date or (ii) such other date as mutually agreed to, in writing, by all Lenders

and Borrower.

Page 4

“Amortization

Period MPA” means, as of any date of determination, (a) the Outstanding Legal Balance (minus accrued interest) as

of the last day of the Draw Period, minus (b) the product of (i) the Outstanding Legal Balance (minus accrued interest)

as of the last day of the Draw Period, (ii) twelve and one half percent (12.5%), and (iii) the number of months since the last

day of the Draw Period. For purposes of this definition of “Amortization Period MPA”, the determination date shall be the

last Business Day of the first calendar month after the end of the Draw Period.

“Applicable Floor” shall

mean two and one-half percent (2.5%) per annum.

“Applicable Margin”

shall mean four percent (4.00%) per annum.

“Applicable State”

means as to the related Credit Party and Consumer Receivable specified in the Program Summary (a) each of the States identified

on Schedule 1.01 hereto as of the Closing Date as the same may be amended, restated or replaced from time to time with the prior

written consent of Administrative Agent and Class B Agent, each in its Permitted Discretion, so long as the related Credit Party

specified therein is licensed or registered to originate or service consumer loans having similar terms and conditions as the Consumer

Receivables and Administrative Agent and Class B Agent has received evidence from the applicable Credit Party that the forms used

to document such Consumer Receivables conform with applicable Law and the Regulatory Legal Opinion, and (b) any other state in which

such Credit Party is licensed or registered to originate or service consumer loans having similar terms and conditions as the Consumer

Receivables, provided that, in each case, Administrative Agent and Class B Agent has approved the addition of such state as an Applicable

State in its Permitted Discretion following its and its counsel’s due diligence of the same, provided, that upon the occurrence

of any Regulatory Action, any impacted Credit Party shall provide prompt written notice thereof to Administrative Agent, and such Applicable

State may, in the Permitted Discretion of Administrative Agent and Class B Agent, be deemed to no longer be an Applicable State

(a “Removal Event”); provided, that, in each case, (a) upon the favorable resolution of such action or

proceeding (whether by judgment, withdrawal of such action or proceeding or settlement of such action or proceeding), or (b) further

consultation with Borrower with respect to any Removal Event such state may, in Administrative Agent’s and Class B Agent’s

sole discretion be reinstated as an Applicable State.

“Applicable Tenor”

means, as of any date of determination the then-effective tenor of such Benchmark (initially one (1) month term SOFR).

“Approved CSO”

means (a) each entity specified on Schedule 1.02A and (b) any Additional Approved CSO.

“Approved CSO

Agreements” means (a) with respect to any Approved CSO, each related agreement specified on Schedule 1.02B

(including, without limitation, any purchase obligation, guarantee, deposit arrangement, servicing agreement, distribution agreement

or other similar agreement) and (b) with respect to any Additional Approved CSO, any agreements entered into between a Credit Party

and such Additional Approved CSO, as amended from time to time in accordance with the terms thereof and hereof.

“Approved Deposit

Funding Accounts” means, collectively, (a) the Approved NCP Deposit Funding Account and (b) each Additional Approved

Deposit Funding Account.

“Approved NCP

Deposit Funding Account” means the deposit account maintained by CreditCorp pursuant to the Approved Specified Collateral

Agreement, which deposit account is pledged to NCP pursuant to the Approved Specified Collateral Agreement and is the subject of the

Approved Specified DACA.

Page 5

“Approved Specified

Collateral Agreement” means the Collateral Agreement, dated as of February 11, 2020, between CreditCorp and NCP Finance

Ohio, LLC, an Ohio limited liability company (“NCP”), as amended by the Amendment to Collateral Assignment,

dated as of June 23, 2021, by and between CreditCorp and NCP, and as the same may be further amended, restated, amended and restated,

supplemented or otherwise modified from time to time with the prior consent of Administrative Agent and Class B Agent.

“Approved Specified

DACA” means the Depositary Account Control Agreement, dated April 22, 2020, among First Horizon Bank, NCP and CreditCorp,

as amended, restated, amended and restated, supplemented or otherwise modified from time to time with the prior consent of Administrative

Agent and Class B Agent.

“Approved Product”

means (a) each Existing Product with respect to which all amendments to the description of such Existing Product set forth in the

Program Summary have been approved, in writing, by Administrative Agent, and (b) each New Product set forth in an updated Program

Summary which has been approved, in writing, by Administrative Agent.

“Asset Sale”

means any direct or indirect Disposition (whether in one transaction or a series of related transactions) by Borrower or any Subsidiary

thereof to any Person other than Borrower or any wholly-owned Subsidiary thereof of: (a) any Equity Interests of any Subsidiary

of Borrower; or (b) any other property of Borrower or any Subsidiary thereof; provided that “Asset Sale”

shall not include: (i) any Disposition by Borrower or any Subsidiary thereof of Investments of the type described in, Section 7.02(a),

(b), (c), (f) or (h); (ii) any Disposition that is governed by and complies with Section 7.05(a),

(b), (c), (d) or (e); or (iii) any issuance by Borrower of perpetual common Equity Interests.

“Assignment and

Assumption” means an assignment and assumption entered into by a Lender and an Eligible Assignee (with the consent of any

party whose consent is required by Section 10.06(b)), and accepted by Administrative Agent, in substantially the form of

Exhibit A or any other form approved by Administrative Agent.

“Attributable

Debt” means, on any date of determination: (a) in respect of any capital lease of any Person, the capitalized amount

thereof that would appear on a balance sheet of such Person prepared as of such date in accordance with GAAP; and (b) in respect

of any Synthetic Lease Obligation, the capitalized amount of the remaining lease payments under the relevant lease that would appear

on a balance sheet of such Person prepared as of such date in accordance with GAAP if such lease were accounted for as a capital lease.

“Audited Financial

Statements” means the most recent audited consolidated balance sheet for CCF Holdings and its consolidated Subsidiaries

delivered to Administrative Agent pursuant to this Agreement, which, on the Closing Date is for the fiscal year ended December 31,

2023, and the related consolidated statements of income or operations, shareholders’ equity and cash flows for such fiscal year

of CCF Holdings, including the notes thereto, together with the opinion issued thereon by the independent accountants that prepared such

financial statements.

“Backup Servicing

Agent” means Carmel Solutions or such other Person as may be selected by each of Administrative Agent and Class B

Agent, each in its Permitted Discretion, in writing, who shall service the Eligible Consumer Receivables pledged as Collateral on and

after the occurrence of Backup Servicing Trigger Event, all in accordance with the terms and conditions of a Backup Servicing Agreement.

“Backup Servicing

Agreement” means that certain Amended and Restated Master Services Agreement, in form and substance acceptable to Administrative

Agent in its Permitted Discretion by and among Borrower, Administrative Agent and Backup Servicing Agent, as amended, restated, modified

or supplemented from time to time in accordance with the terms thereof.

Page 6

“Backup Servicing

Trigger Event” means any of the following events:

(a)            The

occurrence of an Event of Default or the occurrence of a Cease Funding Event, in each case, which impairs in any material respect the

ability of any Credit Party, Processor or custodian of the Consumer Receivables to perform its duties or obligations hereunder with respect

to Collections of Consumer Receivables, as determined by Administrative Agent in its Permitted Discretion;

(b)            Any

Credit Party, Processor or custodian of the Consumer Receivables fails (for any reason, whether voluntary or involuntary) to service

the Consumer Receivables in accordance with the Program Summary, Consumer Receivable Documents or as required by the Revolving Credit

Documents, provided that such failure continues for a period of thirty (30) days after such Credit Party, custodian or Processor receives

written notice of said failure from Administrative Agent or any other Person on behalf of Administrative Agent;

case is commenced or a petition is filed against any Credit Party, custodian or Processor of the Consumer Receivables under any Bankruptcy

Law or any material asset of any Credit Party, Processor or custodian of the Consumer Receivables is appointed by court order and such

order remains in effect for more than thirty (30) days, or if any material asset of any Credit Party, Processor or custodian of the Consumer

Receivables is sequestered by court order and such order remains in effect for more than thirty (30) days; or (ii) any Credit Party,

custodian or Processor of Consumer Receivables voluntarily seeks, consents to, or acquiesces in the benefit of any provision of any Bankruptcy

Law, whether now or hereafter in effect, consents to the filing of any petition against it under such law, makes an assignment for the

benefit of its creditors, admits in writing its inability to pay its debts generally as they become due, or consents to or suffers the

appointment of a receiver, trustee, liquidator, or conservator for it or any part of its assets; or

(d)            Any

modification, amendment, rescission or revocation of any Processor Direction Letter not consented to in writing by Administrative Agent

in its Permitted Discretion, any failure by Borrower to cause Net Collections to be deposited and remitted into a Concentration Account

and/or any failure to comply with Section 6.13, without the prior written consent of Administrative Agent and Class B

Agent, each in its Permitted Discretion.

“Bankruptcy Code”

means the federal Bankruptcy Reform Act of 1978 (11 U.S.C. Sections 101 et seq.).

“Bankruptcy Laws”

means, collectively: (a) the Bankruptcy Code; and (b) all other liquidation, conservatorship, bankruptcy, assignment for the

benefit of creditors, moratorium, rearrangement, receivership, insolvency, reorganization, or similar debtor relief Laws of the United

States or other applicable jurisdictions from time to time in effect and affecting the rights of creditors generally.

“Base Rate”

means, for any day, a rate per annum equal to the highest of (a) the Prime Rate in effect on such day, and (b) the Federal

Funds Rate in effect on such day plus 1.00%. Any change in the Base Rate due to a change in the Prime Rate or the Federal

Funds Rate shall be effective from and including the effective date of such change in the Prime Rate or the Federal Funds Rate, respectively.

Page 7

“Benchmark”

means, initially, Term SOFR; provided that if a Benchmark Transition Event has occurred, then “Benchmark” means the

applicable Benchmark Replacement to the extent that such Benchmark Replacement has replaced such prior benchmark rate. Any reference

to “Benchmark” shall include, as applicable, the published component used in the calculation thereof.

“Benchmark Conforming

Changes” means, with respect to either the use or administration of Term SOFR or the use, administration, adoption or implementation

of any Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of “Business

Day,” the definition of “U.S. Government Securities Business Day,” the definition of “Interest Period”,

timing and frequency of determining rates and making payments of interest, timing of borrowing requests or prepayment, conversion or

continuation notices, the applicability and length of lookback periods, the applicability of breakage provisions, and other technical,

administrative or operational matters) that Administrative Agent decides may be appropriate to reflect the adoption and implementation

of any such rate and to permit the administration thereof by Administrative Agent in a manner substantially consistent with market practice

(or, if Administrative Agent decides that adoption of any portion of such market practice is not administratively feasible or if Administrative

Agent determines that no market practice for the administration of such Benchmark Replacement exists, in such other manner of administration

as Administrative Agent decides is reasonably necessary in connection with the administration of this Agreement).

“Benchmark Replacement”

means with respect to any Benchmark Transition Event: the sum of: (a) the alternate benchmark rate that has been selected by Administrative

Agent giving due consideration to (i) any selection or recommendation of a replacement benchmark rate or the mechanism for determining

such a rate by the Relevant Governmental Body, or (ii) any evolving or then-prevailing market convention for determining a benchmark

rate as a replacement to the then-current Benchmark for Dollar-denominated syndicated credit facilities, and (b) the related Benchmark

Replacement Adjustment; provided that, if such Benchmark Replacement as so determined would be less than the Applicable Floor, such Benchmark

Replacement will be deemed to be the Applicable Floor for the purposes of this Agreement.

“Benchmark Replacement

Adjustment” means, with respect to any replacement of the then-current Benchmark with an Benchmark Replacement, the spread

adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) that

has been selected by Administrative Agent giving due consideration to (a) any selection or recommendation of a spread adjustment,

or method for calculating or determining such spread adjustment, for the replacement of such Benchmark with the applicable Unadjusted

Benchmark Replacement by the Relevant Governmental Body or (b) any evolving or then-prevailing market convention for determining

a spread adjustment, or method for calculating or determining such spread adjustment, for the replacement of such Benchmark with the

applicable Unadjusted Benchmark Replacement for Dollar-denominated syndicated credit facilities.

“Benchmark Replacement

Date” means the later of (i) the date of the public statement or publication of information referenced therein and

(ii) the date on which the administrator of such Benchmark (or the published component used in the calculation thereof) permanently

or indefinitely ceases to provide the Applicable Tenor of such Benchmark (or such component thereof).

“Benchmark Transition

Event” means, with respect to any then-current Benchmark, the occurrence of a public statement or publication of information

by or on behalf of the administrator of the then-current Benchmark, the regulatory supervisor for the administrator of such Benchmark,

the Federal Reserve Board, the Federal Reserve Bank of New York, an insolvency official with jurisdiction over the administrator for

such Benchmark, a resolution authority with jurisdiction over the administrator for such Benchmark or a court or an entity with similar

insolvency or resolution authority over the administrator for such Benchmark, announcing or stating that (a) such administrator

has ceased or will cease on a specified date to provide the Applicable Tenor of such Benchmark, permanently or indefinitely, provided

that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Applicable

Tenor of such Benchmark, or (b) the Applicable Tenor of such Benchmark are or will no longer be representative of the underlying

market and economic reality that such Benchmark is intended to measure and that representativeness will not be restored.

Page 8

“Benefit Plan”

means any of (a) an “employee benefit plan” (as defined in ERISA) that is subject to Title I of ERISA, (b) a “plan”

as defined in and subject to Section 4975 of the Code or (c) any Person whose assets include (for purposes of ERISA Section 3(42)

or otherwise for purposes of Title I of ERISA or Section 4975 of the Code) the assets of any such “employee benefit plan”

or “plan”.

“Borrower”

has the meaning set forth in the preamble hereto.

“Borrower Business

Plan” has the meaning set forth in Section 6.01(c)(ii).

“Borrower Funding

Account Bank” means Wells Fargo Bank or such other domestic bank as approved by Administrative Agent from time to time

in writing in advance in its Permitted Discretion.

“Borrower Funding

Account” means a Deposit Account into which all Revolving Credit Loans made by Lenders to Borrower are deposited as specified

in the applicable Notice of Borrowing.

“Borrower's Available

Funds” means, with respect to any Business Day, the excess of Net Collections since the prior Business Day over

the Daily Lender Allocation Amounts since the prior Business Day.

“Borrowing”

means a borrowing consisting of simultaneous Revolving Credit Loans pursuant to Section 2.01(a).

“Borrowing Base”

means, as of any date of determination, an amount, as set forth on the most current Borrowing Base Certificate delivered to Administrative

Agent, equal to the sum of:

(A) (1) for

any date of determination from Closing Date until January 30, 2025, ninety-five (95%) of the Eligible Principal Balance, and (2) for

any date of determination on or after January 31, 2025, ninety percent (90%) of the Eligible Principal Balance; plus

(B) one hundred

percent (100%) of the aggregate value of Eligible Cash; plus

any date of determination from the Closing Date until December 31, 2023, ninety percent (90%) of Aggregate Cash-in-Store, (2) for

any date of determination from January 1, 2024 until December 31, 2024, eighty-five percent (85%) of Aggregate Cash-in-Store,

and (3) for any date of determination after December 31, 2024, eighty percent (80%) of Aggregate Cash-in-Store; plus

(D) (1) for

any date of determination from the Closing Date until December 31, 2023, eighty-five percent (85%) of Aggregate Cash-in-Transit,

(2) for any date of determination from January 1, 2024 until December 31, 2024, eighty percent (80%) of Aggregate Cash-in-Transit,

and (3) for any date of determination after December 31, 2024, sixty percent (60%) of Aggregate Cash-in-Transit; plus

Page 9

(E) (1) for

any date of determination from the Closing Date until December 31, 2023, ninety percent (90%) of Aggregate Deposits-in-Transit,

(2) for any date of determination from January 1, 2024 until December 31, 2024, eighty-five percent (85%) of Aggregate

Deposits-in-Transit, and (3) for any date of determination after December 31, 2024, eighty percent (80%) of Aggregate Deposits-in-Transit;

plus

(F) (1) for

any date of determination from the Closing Date until December 31, 2023, eighty-five percent (85%) of Aggregate Cash on Deposit,

and (2) for any date of determination after December 31, 2023, eighty percent (80%) of Aggregate Cash on Deposit; plus

(G) for any

date of determination, sixty percent (60%) of Aggregate Approved Deposit Funding Account Cash, in each case with respect to the foregoing

in this definition, if permitted by the Administrative Agent in its Permitted Discretion.

Borrower, Administrative Agent and the Lenders

acknowledge and agree that (i) the advance rates set forth in this definition with respect to Eligible Cash and the Eligible Principal

Balance are solely to establish the parameters for calculation of the Borrowing Base, and (ii) this definition does not constitute

nor shall it be deemed to constitute an express or implied representation or determination by Lenders that the recovery on Eligible Cash

and the Eligible Principal Balance in a forced liquidation scenario would be equal to the advance rates established herein.

“Borrowing Base

Certificate” means a certificate, in substantially the form of Exhibit H attached hereto and made a part hereof,

setting forth the Borrowing Base and the component calculations thereof.

“Borrowing Base

Shortfall” means the excess, if any of the aggregate outstanding principal balance of all Revolving Credit Loans (excluding

any Class B PIK Interest added to the principal amount of the Class B Loans on any Remittance Date) over the Borrowing Base.

“BP Commercial

Funding Trust VI” has the meaning ascribed thereto in the Recitals hereto.

“BP Funding Trust

V” has the meaning ascribed thereto in the Recitals hereto.

“BP Purchaser”

means collectively, Advantage CCFI LLC and Invested Asset Portfolio, LLC.

“Business Day”

means any day other than a Saturday, Sunday or other day on which commercial banks are authorized to close under the Laws of, or are

in fact closed in, New York, New York.

“Calculation

Date” has the meaning ascribed thereto in Section 6.01(e).

“Capital Expenditures”

means all expenditures (whether paid in cash or other consideration or accrued as a liability and including that portion of capital leases

that is capitalized on the balance sheet of such Person including in connection with a sale-leaseback transaction) by such Person for

the acquisition or leasing of fixed or capital assets or additions to equipment (including replacements, capitalized repairs and improvements

during such period) that are required to be capitalized under GAAP on a balance sheet of such Person. For purposes of this definition:

(a) the purchase price of equipment that is purchased simultaneously with the trade-in of existing equipment owned by such Person

thereof or with insurance proceeds shall be included in Capital Expenditures only to the extent of the gross amount of such purchase

price minus the credit granted by the seller of such equipment for such equipment being traded in at such time, or the amount

of such proceeds, as the case may be; and (b) an Acquisition complying with Section 7.02(e) shall not constitute

a “Capital Expenditure.”

Page 10

“Cash”

means cash denominated in Dollars.

“Cash Equivalents”

means, as to any Person: (a) securities issued or directly and fully guaranteed or insured by the United States or any agency or

instrumentality thereof (but only so long as the full faith and credit of the United States is pledged in support thereof) having maturities

of not more than twelve months from the date of acquisition; (b) securities issued by any state of the United States or any political

subdivision of any such state or any public instrumentality thereof having maturities of not more than ninety days from the date of acquisition

and having one of the two highest ratings from either Standard & Poor’s Corporation or Moody’s Investors Service, Inc.;

(c) domestic certificates of deposit, time or demand deposits or bankers’ acceptances maturing within six months after the

date of acquisition issued or guaranteed by or placed with, and money market deposit accounts issued or offered by: (i) any Lender;

(ii) any commercial bank other than a Lender which is organized under the Laws of the United States or any state thereof or the

District of Columbia having combined capital and surplus of not less than $250,000,000; and (iii) any federally insured financial

institution but only up to the Federal Deposit Insurance Corporation insured deposit limit; (d) repurchase obligations with a term

of not more than thirty days for underlying securities of the types described in clause (a) and (b) of this definition

entered into with any bank meeting the qualifications specified in clause (c) of this definition; (e) commercial paper

issued by the parent corporation of any Lender or any commercial bank (provided that the parent corporation and the bank are both incorporated

in the United States) having capital and surplus in excess of $250,000,000 and commercial paper issued by any Person incorporated in

the United States, which commercial paper is rated at least A-1 or the equivalent thereof by Standard & Poor’s Corporation

or at least P-1 or the equivalent thereof by Moody’s Investors Service, Inc., and in each case maturing not more than ninety

days after the date of acquisition by such Person; and (f) investments in money market funds substantially all the assets of which

are comprised of securities of the types described in clauses (a) through (e) of this definition.

“CCF Brand”

means each of Community Choice Financial, Community Choice Family Insurance, Cash 1, First Virginia, Direct Financial Solutions, Check$mart,

California Check Cashing Stores, Cash Central, Check Into Cash, Loan by Phone, U.S. Money Shops, Great American, Nation’s Quick

Cash and Quic! Loans brands used after, and in connection with, a Permitted Acquisition on a temporary basis (provided that Borrower

has provided Administrative Agent with prior written notice of such temporary usage) and each other brand, identified by Borrower from

time to time, in writing, to Administrative Agent, under which Borrower and its Subsidiaries do business

“CCF Holdings”

means CCF Holdings LLC.

“CCF Holdings

Business Plan” has the meaning set forth in Section 6.01(c)(i).

“CCF Intermediate

Holdings” means CCF Intermediate Holdings LLC.

“CCF Operating

Agreement” means the Sixth Amended and Restated Limited Liability Company Operating Agreement, dated as of October 2,

2023, of CCF Holdings.

“CCF Party”

means each of the Credit Parties and CCF Intermediate Holdings LLC.

“CCF Preferred

Equity Documents” means, collectively, the CCF Subscription Agreement, the CCF Operating Agreement and the CCF Preferred

Units.

Page 11

“CCF Preferred

Units” means the Class D Preferred Units issued pursuant to the CCF Operating Agreement.

“CCF Subscription

Agreement” means the Amended and Restated Securities Purchase Agreement, dated August 30, 2021, by and between CCF

Holdings and BP Purchaser, as amended, restated, supplemented or otherwise modified from time to time.

“CCF Store”

means a retail store operating under one of the CCF Brands through which the Borrower and its Subsidiaries originate Consumer Receivables,

receive Collections on Consumer Receivables and conduct other consumer financial activities.

“Cease Funding

Event” means, as of any date of determination, as determined by either Administrative Agent or the Class B Agent,

each in its Permitted Discretion, any of the following events has occurred and has not been waived by Administrative Agent or the Class B

Agent, as applicable, or cured by the applicable Credit Party to the satisfaction of Administrative Agent or the Class B Agent,

as applicable:

(a)           a

Default or an Event of Default;

(b)           any

event, condition, obligation, liability or circumstance (or set of events, conditions, obligations, liabilities or circumstances), or

any change(s) including, without limitation, changes in the Laws of any Applicable State or any changes in any other applicable

Laws, any Change in Law, the existence of any Regulatory Action (or any changes with respect thereto) or the existence of any Federal

Regulatory Event (or changes with respect thereto) which, as determined by Administrative Agent, in its Permitted Discretion, (i) could

reasonably be expected to have a material adverse effect upon or change in the legality, validity, binding effect or enforceability of

the Consumer Receivables or any Revolving Credit Document; (ii) could reasonably be expected to have a material adverse effect on

the value, marketability or collectability of the Collateral, including the Consumer Receivables, the Credit Parties’ interest

therein or the duly perfected first-priority security interest of Administrative Agent therein (based on the deviation from the projections,

estimates, concentrations and criteria provided to Administrative Agent as of the Closing Date (including, without limitation, delinquency

and default projections)); (iii) could reasonably be expected to have a material adverse effect on the business, operations, properties,

assets, liabilities or financial condition of any Credit Party or a material impairment of the ability of any Credit Party to conduct

its business as presently conducted, including, without limitation, any origination, servicing, and other obligations under any of the

Revolving Credit Documents (or any repudiation or breach thereof); or (iv) could reasonably be expected to have a material adverse

effect upon the legality, validity, binding effect of or enforceability of the Term Loan Documents or the CCF Preferred Equity Documents

or on the ability of any Term Loan Party or CCF Holdings to perform its obligations under the Term Loan Documents or the CCF Preferred

Equity Documents, as applicable (or any repudiation or breach thereof);

material deviation from the Underwriting Guidelines by any Credit Party in the origination of the Consumer Receivables;

(d)           any

material and adverse deviation from projected Collections on the Consumer Receivables (including, without limitation, delinquency and

default projections) provided by the Credit Parties to Administrative Agent and Class B Agent;

(e)           any

material deviation from the projections, estimates, concentrations and criteria provided by the Credit Parties to Administrative Agent

and Class B Agent as of the Closing Date;

Page 12

(f)            Borrower

or any Subsidiary replaces any Key Employee without the approval of Administrative Agent and Class B Agent, each in its Permitted

Discretion; or

(g)           any

of the Backup Servicing Agent or the Custodian, if any, has resigned and has not been replaced by a successor reasonably acceptable to

Administrative Agent and the Class B Agent.

“Cease Funding

Event (Defaulting Lender)” means, as of any date of determination, as determined by the Administrative Agent, in its Permitted

Discretion, that the following event has occurred and has not been waived by Administrative Agent or cured to the satisfaction of Administrative

Agent: the Class B Agent is a Defaulting Lender.

“Change in Law”

means the occurrence, after the date of this Agreement, of any of the following: (a) the adoption or taking effect of any Law, rule,

regulation or treaty, (b) any change in any Law, rule, regulation or treaty or in the administration, interpretation, implementation

or application thereof by any Governmental Authority or (c) the making or issuance of any request, rule, guideline or directive

(whether or not having the force of law) by any Governmental Authority.

“Change of Control”

means (a) during the 24-month period following the Katapult Merger Transaction, a majority of the board of directors of Katapult

ceases to be members of the board of directors that were in existence at the start of such 24-month period, (b) the failure of CCF

Holdings to own, directly or indirectly, beneficially and of record, 100% of the aggregate ordinary voting power and economic interests

represented by the issued and outstanding Equity Interests of Borrower, other than up to 20% of such voting power and economic interests

that may be owned, indirectly, by the Class B Members (as defined in the Amended and Restated Limited Liability Company Agreement

of CCF MIP Holdings LLC, dated as of May 21, 2021), (c) the failure of Borrower to own directly or indirectly, beneficially

and of record, 100% of the aggregate ordinary voting power and economic interests represented by the issued and outstanding Equity Interests

of each Subsidiary, and (d) (i) prior to the Katapult Merger Transaction, the failure of 80.0%, on a fully diluted basis, of

voting interest in the Equity Interests in CCF Holdings to be beneficially owned and controlled, collectively, by the holders of such

Equity Interests in CCF Holdings as of the Sixth Amendment Effective Date (after giving effect to the transactions contemplated by the

CCF Preferred Equity Documents and the Sparrow Transaction), and (ii) following the Katapult Merger Transaction, the failure of

100.0%, on a fully diluted basis, of voting interest in the Equity Interests in CCF Holdings to be beneficially owned and controlled,

collectively, by Katapult, without the prior written consent of Administrative Agent and Class B Agent; provided, the consummation

of the Katapult Merger Transaction shall not be deemed to be a Change of Control.

“Charge-Off”

means a Consumer Receivable that is deemed by a Credit Party uncollectable for any reason, including a Consumer Receivable that (a) may

not be collected because it does not comply with applicable Law, (b) subjects Borrower to any fines or damages for failure to comply

with applicable Law or (c) is subject to setoff or counterclaim.

“CIC Existing

Account” means each account of a Legacy CIC Subsidiary set forth on Schedule 1.03A hereto.

“Claims”

means, collectively, any claim or cause of action based upon or arising out of this Agreement, the other Revolving Credit Documents or

any of the transactions contemplated hereby or thereby, including contract claims, tort claims, breach of duty claims, and all other

common Law or statutory claims.

Page 13

“Class A

Funding Amount” has the meaning ascribed thereto in Section 2.01(c).

“Class A

Lender” has the meaning ascribed thereto in Section 10.22(d).

“Class A

Loan” means a Revolving Credit Loan designated as a “Class A Loan” in accordance with Section 2.01(c).

“Class A

Rate” means the Benchmark (initially Term SOFR), plus the Applicable Margin; provided, however, in no event shall the Benchmark

be less than the Applicable Floor.

“Class A

Required Lenders” means Class A Lenders holding in excess of 66.67% of the Outstanding Legal Balance of the Class A

Loans; provided that, the Outstanding Legal Balance held or deemed held by any Defaulting Lender shall be excluded for purposes of making

a determination of Class A Required Lenders; provided that, if there are less than three (3) Class A Lenders, Class A

Required Lenders shall mean all Class A Lenders.

“Class A

Revolving Credit Commitment Amount” means, as of any date, the aggregate Revolving Credit Commitment held by Class A

Lenders.

“Class A

Senior Debt” has the meaning ascribed thereto in Section 2.09(c)(iv).

“Class B

Agent” means, initially, BP Funding Trust V in its capacity as agent for the Class B Lenders.

“Class B

Lender” has the meaning ascribed thereto in Section 10.22(d).

“Class B

Loan” means a Revolving Credit Loan designated as a “Class B Loan” in accordance with Section 2.01(c).

“Class B

PIK Interest” means the payment-in-kind of interest in respect of the Class B Loans accruing in the aggregate amount

of $5,000,000 by increasing the outstanding principal amount of the Class B Loans in accordance with Section 2.08(a).

“Class B

Subordinated Debt” has the meaning ascribed thereto in Section 2.09(c)(iv).

“Closing Date”

means December 29, 2023, subject to satisfaction (or waiver in accordance with Section 10.01) of all of the conditions

precedent in Section 4.01.

“Closing Date

Assignment and Assumption” has the meaning ascribed thereto in the Recitals hereto.

“Code”

means the Internal Revenue Code of 1986, as amended.

“Collateral”

means all property and interests in property including, without limitation, related books and records and proceeds thereof now owned

or hereafter acquired by Borrower or any Subsidiary thereof in or upon which a Lien now or hereafter exists in favor of Administrative

Agent, for the benefit of itself and each Lender, whether under this Agreement or under any other Revolving Credit Document.

Page 14

“Collateral Documents”

means, collectively, the Pledge Agreement, Security Agreement and all other security agreements, mortgages, deeds of trust, patent, trademark

and copyright assignments, lease assignments and other similar documents between Borrower or any Subsidiary thereof and Administrative

Agent, for the benefit of itself and each Lender, now or hereafter delivered to Administrative Agent pursuant to or in connection with

the transactions contemplated hereby, and all financing statements (or comparable documents now or hereafter filed in accordance with

the UCC or other comparable Law) against Borrower or any Subsidiary thereof as debtor in favor of Administrative Agent, for the benefit

of itself and each Lender, as secured party.

“Collateral Report”

has the meaning ascribed thereto in Section 6.01(f).

“Collection Period”

means, with respect to any Remittance Date, the seven (7) day period ending on the Saturday that precedes such Remittance Date.

“Collections”

means, in respect of any and all Collateral (including, without limitation, all Consumer Receivables), all payments and proceeds (including,

without limitation, liquidation proceeds, sales proceeds or other proceeds), whether by cash, check, remote check, wire transfer, credit

card, ACH, or other manner of payment, including all payments and proceeds of fees, interest, principal, prepayments (both voluntary

and mandatory), late fees, insufficient funds charges or other amounts of any and every description payable pursuant to such Collateral,

or any other related documents or instruments, received in connection with such Collateral, or any other Collateral related to the replacement

or renewal thereof.

“Commitment”

means, as to any Lender, such Lender’s Revolving Credit Commitment.

“Commodity Exchange

Act” means the Commodity Exchange Act (7 U.S.C. § 1 et seq.), as amended from time to time, and any successor statute.

“Compliance Certificate”

means a certificate substantially in the form of Exhibit B.

“Concentration

Account” means each Deposit Account of the Credit Parties that is expressly identified as a “Concentration Account”

on the Flow of Funds, and, in each case, which shall be maintained with the applicable Concentration Account Bank and be subject to an

Account Control Agreement at all times.

“Concentration

Account Bank” means, as applicable, each of Wells Fargo Bank, National Association, Republic Bank of Chicago, Evolve Bank &

Trust, or such other domestic bank as approved by Administrative Agent from time to time in writing in advance in its Permitted Discretion.

“Concentration

Account Bank (Master)” means Wells Fargo or such other domestic bank as approved by Administrative Agent from time to time

in writing in advance in its Permitted Discretion.

“Concentration

Account Funds (Master)” means, on any day of determination, the amount of funds on deposit in the Concentration Account

(Master).

“Concentration

Account (Master)” means a Concentration Account designated on the Flow of Funds from which the payments described in Section 2.09(b) will

be made.

Page 15

“Consolidated

Adjusted EBITDA (Borrower)” means, as of any date of determination, for any period, the sum of the following determined

on a consolidated basis, without duplication, for Borrower and its Subsidiaries in accordance with GAAP:

(a)            Consolidated

EBITDA (Borrower), plus

(b)            to

the extent deducted in determining Consolidated Net Income (Borrower), employee severance and termination costs resulting from the Sparrow

Acquisition for the period from and including the Sparrow Closing Date to and including the date that is the eighteen (18th) month anniversary

of the Sparrow Closing Date (subject to a maximum of no greater than $4,500,000 for any two consecutive Fiscal Periods), plus

forma “run rate” cost savings, operating expense reductions, operational improvements and synergies (including expected revenue

enhancements) related to the Sparrow Acquisition and the other transactions contemplated by this Agreement (subject to a maximum of no

greater than $5,000,000 per Fiscal Period) that are reasonably identifiable and projected by Borrower and in good faith to result from

actions that have been taken or with respect to which substantial steps have been taken or initiated or are expected to be take (in the

good faith determination of CCF Holdings) for the period from and including the Sparrow Closing Date to and including the date that is

the eighteen (18th) month anniversary of the Sparrow Closing Date.

“Consolidated

Adjusted EBITDA (CCF Holdings)” means, as of any date of determination, for any period, the sum of the following determined

on a consolidated basis, without duplication, for CCF Holdings and its Subsidiaries in accordance with GAAP:

(a)            Consolidated

EBITDA (CCF Holdings), plus

(b)            to

the extent deducted in determining Consolidated Net Income (CCF Holdings), all expenses and payments payable by Sparrow Purchaser to

Sparrow Seller under the Sparrow Transition Services Agreement during such period, plus

forma “run rate” cost savings, operating expense reductions, operational improvements and synergies (including expected revenue

enhancements) related to the Sparrow Acquisition and the other transactions contemplated by this Agreement (subject to a maximum of no

greater than $5,000,000 per Fiscal Quarter) that are reasonably identifiable and projected by CCF Holdings and in good faith to result

from actions that have been taken or with respect to which substantial steps have been taken or initiated or are expected to be take

(in the good faith determination of CCF Holdings) for the period from and including the Sparrow Closing Date to and including the date

that is the eighteenth (18th) month anniversary of the Sparrow Closing Date, plus

(e)            pro

forma “run rate” cost savings, operating expense reductions, operational improvements and synergies (including expected revenue

enhancements) related to the Sparrow Acquisition and the other transactions contemplated by this Agreement (subject to a maximum of no

greater than $5,000,000 per Fiscal Quarter that are reasonably identifiable and projected by CCF Holdings and in good faith to result

from actions that have been taken or with respect to which substantial steps have been taken or initiated or are expected to be take

(in the good faith determination of CCF Holdings) for the period from and including the TMX Closing Date to and including the date that

is the eighteenth (18th) month anniversary of the TMX Closing Date.

For purposes of calculating

Consolidated Adjusted EBITDA (CCF Holdings) for any Fiscal Period ending on or prior to June 30, 2024, the TMX Acquisition shall

be deemed to have been consummated be as of the first day of the first Fiscal Period included in any measurement or calculation of Consolidated

Adjusted EBITDA (CCF Holdings).

Page 16

“Consolidated

EBITDA” means, as of any date of determination, for any period and with respect to any Person, the sum of the following

determined on a consolidated basis, without duplication, for such Person and its Subsidiaries in accordance with GAAP:

(a)            Consolidated

Net Income for such period, plus

(b)            the

sum of the following, without duplication, to the extent deducted in determining Consolidated Net Income for such period: (i) income

and franchise Taxes; (ii) Consolidated Interest Expense; (iii) amortization, depreciation and other non-cash charges (except

to the extent that such non-cash charges are reserved for cash charges to be taken in the future); and (iv) extraordinary losses

(excluding extraordinary losses from the sale or liquidation of discontinued operations, but including lease termination costs, asset

write-downs and other store closure expenses resulting from the integration of operations of the CIC Subsidiaries and the Sparrow Transferred

Entities, as applicable), less

sum of the following, without duplication, to the extent deducted in determining Consolidated Net Income for such period: (i) interest

income (other than interest income arising from consumer loans or otherwise in the ordinary course of business); (ii) any extraordinary

gains; and (iii) non-cash gains or non-cash items increasing Consolidated Net Income.

“Consolidated

EBITDA (Borrower)” means, as of any date of determination, the Consolidated EBITDA for Borrower and its consolidated Subsidiaries.

“Consolidated

EBITDA (CCF Holdings)” means, as of any date of determination, for any period and with respect to any Person, the sum of

the following determined on a consolidated basis (and on a pro forma basis giving effect to the TMX Acquisition as of the beginning of

the period being measured), without duplication, for such Person and its Subsidiaries in accordance with GAAP:

(a)            Consolidated

Net Income (CCF Holdings) for such period, plus

(b)           the

sum of the following, without duplication, to the extent deducted in determining Consolidated Net Income (CCF Holdings) for such period:

(i) income and franchise Taxes; (ii) Consolidated Interest Expense; (iii) amortization, depreciation and other non-cash

charges (except to the extent that such non-cash charges are reserved for cash charges to be taken in the future); and (iv) extraordinary

losses (excluding extraordinary losses from the sale or liquidation of discontinued operations, but including lease termination costs,

asset write-downs and other store closure expenses resulting from the integration of operations of the CIC Subsidiaries, the Sparrow

Transferred Entities and/or the TMX Legacy Subsidiaries), less

without duplication, to the extent deducted in determining Consolidated Net Income (CCF Holdings) for such period: (i) interest

income (other than interest income arising from consumer loans or otherwise in the ordinary course of business); (ii) any extraordinary

gains; and (iii) non-cash gains or non-cash items increasing Consolidated Net Income (CCF Holdings).

Page 17

“Consolidated

Interest Expense” means, for any period with respect to any Person, the total cash interest expense in accordance

with GAAP (including, without limitation to the extent in accordance with GAAP, interest expense attributable to capital lease obligations

and all net payment obligations pursuant to Swap Contracts) of such Person and its Subsidiaries for such period, calculated on a consolidated

basis for such period in accordance with GAAP.

“Consolidated

Net Income” means, as applicable, Consolidated Net Income (Borrower) or Consolidated Net Income (CCF Holdings).

“Consolidated

Net Income (Borrower)” means, for any period and Borrower, the sum of net income (or loss) after taxes for such period

of Borrower and its Subsidiaries on a consolidated basis determined in accordance with GAAP, but excluding: (a) any income of any

Person if such Person is not a Subsidiary of Borrower, as applicable, except that Borrower’s direct or indirect equity in the net

income of any Person for such period shall be included in such Consolidated Net Income up to the aggregate amount of cash actually distributed

by such Person during such period to Borrower or a Subsidiary of Borrower, as applicable, as a dividend or other distribution; (b) the

income of any Subsidiary of such Person to the extent that the declaration or payment of dividends or similar distributions by the Subsidiary

of that income is prohibited by operation of the terms of its charter or any agreement, instrument, judgment, decree, statute, rule or

governmental regulation applicable to the Subsidiary of such Person; (c) amortization, depreciation or any other non-cash charge

or loss, including those resulting from any amortization, write-up, write-down or write-off of goodwill, (d) any non-cash income

(loss) attributable to deferred compensation plans or trusts, (e) any gains or non-cash losses from the sale or liquidation of discontinued

operations and (f) any extraordinary, unusual or non-recurring loss, cost or expense approved to be excluded by both Administrative

Agent and Class B Agent, each in its Permitted Discretion.

“Consolidated

Net Income (CCF Holdings)” means, for any period and CCF Holdings, the sum of net income (or loss) after taxes for such

period of CCF Holdings and its Subsidiaries on a consolidated basis determined in accordance with GAAP, but excluding: (a) any income

of any Person if such Person is not a Subsidiary of CCF Holdings, except that CCF Holdings’ direct or indirect equity in the net

income of any Person for such period shall be included in such Consolidated Net Income (CCF Holdings) up to the aggregate amount of cash

actually distributed by such Person during such period to CCF Holdings or a Subsidiary of CCF Holdings, as applicable as a dividend or

other distribution; (b) the income of any Subsidiary of such Person to the extent that the declaration or payment of dividends or

similar distributions by the Subsidiary of that income is prohibited by operation of the terms of its charter or any agreement, instrument,

judgment, decree, statute, rule or governmental regulation applicable to the Subsidiary of such Person; (c) amortization, depreciation

or any other non-cash charge or loss, including those resulting from any amortization, write-up, write-down or write-off of goodwill,

(d) any non-cash income (loss) attributable to deferred compensation plans or trusts, (e) any gains or non-cash losses from

the sale or liquidation of discontinued operations and (f) any extraordinary, unusual or non-recurring loss, cost or expense approved

to be excluded by both Administrative Agent and Class B Agent, each in its Permitted Discretion.

“Consumer Receivable”

and “Consumer Receivables” means (i) a consumer loan originated by Borrower or any of its Subsidiaries

(or, in the case of a Permitted Acquisition, purchased by a Credit Party), (ii) where applicable, a consumer loan arranged by a

credit access business or credit services organization and serviced by a Credit Party pursuant to (1) Texas state Law or (2) other

applicable Law, in each case, to the extent approved by the Administrative Agent, or (iii) a

participation interest of Borrower or any of its Subsidiaries in a consumer loan or loans, in the form of an installment loan or other

consumer financial product, in each case, approved by the Administrative Agent and Class B Agent.

“Consumer Receivable

Documents” means all promissory notes, loan agreements, documents, instruments, servicing records, and other agreements

entered into, evidencing or executed in connection with the application for or disclosure with respect to a Consumer Receivable extended

(or in the case of a Permitted Acquisition, purchased) by a Credit Party or otherwise related to any Collateral.

Page 18

“Consumer Receivable

Obligor” means any individual who is a maker, co-maker, guarantor, or other obligor with respect to a Consumer Receivable.

In respect of each Consumer Receivable, if there is more than one Consumer Receivable Obligor (husband and wife, for example), references

herein to Consumer Receivable Obligor shall mean any or all of such Consumer Receivable Obligors, as the context may require.

“Contractual

Obligation” means, as to any Person, any document or other agreement or undertaking to which such Person is a party or

by which it or any of its property is bound.

“Control”

means the possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of a Person,

whether through the ability to exercise voting power, by contract or otherwise. The terms “Controlling” and

“Controlled” have meanings correlative thereto. Without limiting the generality of the foregoing, a Person

shall be deemed to be Controlled by another Person if such other Person possesses, directly or indirectly, the power to vote 5% or more

of the securities having ordinary voting power for the election of directors, managing general partners or the equivalent.

“CreditCorp”

has the meaning ascribed thereto in the Recitals hereto.

“Credit Parties”

means, collectively, Borrower and all Subsidiary Guarantors.

“Credit Protection

Laws” means all federal, state and local laws in respect of the business of extending credit to borrowers, including without

limitation, solicitation and disclosure requirements; the Truth in Lending Act (and Regulation Z promulgated thereunder), Equal Credit

Opportunity Act, Electronic Funds Transfer Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act

of 1999, Financial Institutions Reform, Recovery and Enforcement Act of 1989, as amended, anti-discrimination and fair lending laws,

laws relating to servicing procedures or maximum charges and rates of interest, and other similar laws, each to the extent applicable,

and all applicable regulations in respect of any of the foregoing.

“Data Field Certificate”

means a certificate, in substantially the form of Exhibit I attached hereto and made a part hereof.

“Daily Lender

Allocation Amount” means, with respect to any Business Day, the sum of each of the amounts set forth in clauses (i) through

(viii) of Section 2.09(b) accrued since the prior Business Day; provided, that the “Daily Lender Allocation

Amount” of any amounts calculated on the basis of a non-daily period shall be deemed to be the product of (x) such amount

multiplied by (y) a fraction, the numerator of which is the number of days elapsed since the prior Business Day and the denominator

of which is the number of days in such period.

Page 19

“Debt”

means, as to any Person as of any date of determination, without duplication, all of the following, whether or not included as indebtedness

or liabilities in accordance with GAAP: (a) all obligations of such Person for borrowed money and all obligations of such Person

evidenced by bonds, debentures, notes, loan agreements or other similar instruments; (b) all direct or contingent obligations of

such Person arising under letters of credit (including standby and commercial letters of credit), bankers’ acceptances, bank guaranties,

surety bonds and similar instruments; (c) the Swap Termination Value under all Swap Contracts to which such Person is a party; (d) all

obligations of such Person to pay the deferred purchase price of property or services (other than trade accounts payable in the ordinary

course of business); (e) indebtedness (excluding prepaid interest thereon) secured by a Lien on property owned or being purchased

by such Person (including indebtedness arising under conditional sales or other title retention agreements), whether or not such indebtedness

shall have been assumed by such Person or is limited in recourse; (f) the amount of Attributable Debt in respect of all capital

lease obligations and Synthetic Lease Obligations of such Person; (g) all obligations of such Person to purchase, redeem, retire,

defease or otherwise make a payment in respect of Disqualified Equity Interests valued, in the case of a redeemable preferred interest,

at the greater of its voluntary or involuntary liquidation preference plus accrued and unpaid dividends; and (h) all Guarantees

of such Person in respect of any of the foregoing. For all purposes hereof, the Debt of any Person shall (1) include the Debt of

any partnership or joint venture (other than a joint venture that is itself a corporation or limited liability company) in which such

Person is a general partner or a joint venturer, unless such Debt is expressly made non-recourse to such Person, and (2) exclude

any credit support provided and contingent obligations or other liabilities incurred in connection with an Approved CSO Agreement.

“Default”

means any Event of Default or any event or condition that, with the giving of notice, the passage of time, or both, would constitute

an Event of Default.

“Default Rate”

means, with respect to Revolving Credit Loans and all other Obligations, a per annum rate equal to nineteen percent (19%).

“Defaulted Receivable”

means a Consumer Receivable that was included in the Borrowing Base for an advance of a Revolving Credit Loan (a) as to which, in

the case of a Single Pay Receivable, ten percent (10%) or more of any scheduled payment is unpaid for more than thirty (30) days from

its original due date, (b) as to which, in the case of any Consumer Receivable other than a Single Pay Receivable, ten percent (10%)

or more of any scheduled payment is unpaid for more than sixty (60) days from its original due date or (c) as to which the related

Consumer Receivable Obligor is the subject of any bankruptcy, insolvency, or similar proceeding or (d) the related Credit Party

has determined in good faith that it has received all amounts it expects to recover and such Consumer Receivable is the subject of a

Charge Off; provided that in the case of (i) any Single Pay Receivable that is subject to an accepted extended payment plan

that was required to be offered by applicable Law, such Single Pay Receivable shall be deemed not to be a “Defaulted Receivable”

for all purposes hereunder if the applicable Consumer Receivable Obligor with respect to such Single Pay Receivable is in compliance

with the terms of such accepted extended payment plan and (ii) any Consumer Receivable where an accommodation has been reached with

the applicable Consumer Receivable Obligor pursuant to the Servicing Policy, and such Consumer Receivable Obligor has not defaulted under

such accommodation, such Consumer Receivable shall be deemed not to be a “Defaulted Receivable” for all purposes hereunder.

Page 20

“Defaulting Lender”

means any Lender that (a) has failed to (i) fund all or any portion of its Revolving Credit Loans within two (2) Business

Days of the date such Revolving Credit Loans were required to be funded hereunder unless such Lender notifies Administrative Agent and

Borrower in writing that such failure is the result of such Lender’s determination that one or more conditions precedent to funding

(each of which conditions precedent, together with any applicable default, shall be specifically identified in such writing) has not

been satisfied, or (ii) pay to Administrative Agent or any other Lender any other amount required to be paid by it hereunder within

two (2) Business Days of the date when due, (b) has notified Borrower or Administrative Agent in writing that it does not intend

to comply with its funding obligations hereunder, or has made a public statement to that effect (unless such writing or public statement

relates to such Lender’s obligation to fund a Revolving Credit Loan hereunder and states that such position is based on such Lender’s

determination that a condition precedent to funding (which condition precedent, together with any applicable default, shall be specifically

identified in such writing or public statement) cannot be satisfied), (c) has failed, within three (3) Business Days after

written request by Administrative Agent or Borrower, to confirm in writing to Administrative Agent and Borrower that it will comply with

its prospective funding obligations hereunder (provided that such Lender shall cease to be a Defaulting Lender pursuant to this

clause (c) upon receipt of such written confirmation by Administrative Agent and Borrower), or (d) has, or has a direct or

indirect parent company that has, (i) become the subject of a proceeding under any Bankruptcy Law, or (ii) had appointed for

it a receiver, custodian, conservator, trustee, administrator, assignee for the benefit of creditors or similar Person charged with reorganization

or liquidation of its business or assets, including the Federal Deposit Insurance Corporation or any other state or federal regulatory

authority acting in such a capacity; provided that a Lender shall not be a Defaulting Lender solely by virtue of the ownership

or acquisition of any equity interest in that Lender or any direct or indirect parent company thereof by a Governmental Authority so

long as such ownership interest does not result in or provide such Lender with immunity from the jurisdiction of courts within the United

States or from the enforcement of judgments or writs of attachment on its assets or permit such Lender (or such Governmental Authority)

to reject, repudiate, disavow or disaffirm any contracts or agreements made with such Lender. Any determination by Administrative Agent

that a Lender is a Defaulting Lender under clauses (a) through (d) above shall be conclusive and binding absent manifest error,

and such Lender shall be deemed to be a Defaulting Lender upon delivery of written notice of such determination to Borrower and each

Lender.

“Deposit Account”

means, both individually and collectively, any and all bank or other deposit accounts of the Credit Parties, a true, correct and complete

list as of the date hereof of which is set forth on Schedule 1.03 hereto, as the same is amended or modified from time to time

with the prior written consent of the Administrative Agent in its Permitted Discretion.

“Discharge of

Secured Obligations” means (a) the indefeasible payment and performance in full of the Outstanding Legal Balance of

all Revolving Credit Loans and all other Obligations, (b) the Commitments have been terminated or expired and (c) there exists

no Specified Claims; provided, however, that, if a Specified Claim exists and a Transaction Termination Collateral Package

Event has occurred in respect of such Specified Claim in accordance with Section 10.05(b), then such Specified Claim shall

not preclude the Discharge of Secured Obligations from occurring.

“Disqualified

Equity Interest” means any Equity Interest of any Person that, by its terms (or by the terms of any security into which

it is convertible or for which it is exchangeable at the option of the holder thereof), or upon the happening of any event, matures or

is mandatorily redeemable, pursuant to a sinking fund obligation or otherwise, or is redeemable at the option of the holder thereof,

in whole or in part, or requires or mandates payments or distributions in cash, on or prior to the date that is one year after the Maturity

Date. The term “Disqualified Equity Interest” shall also include any options, warrants or other rights that are convertible

into Disqualified Equity Interest or that are redeemable at the option of the holder, or required to be redeemed, prior to the date that

is one year after the Maturity Date.

“Disposition”

means the sale, assignment transfer, conveyance, license, lease or other disposition (including any sale and leaseback transaction) of

any property by any Person, including any sale, assignment, transfer, conveyance or other disposal, with or without recourse, of any

notes or accounts receivable or any rights and claims associated therewith. The term “Dispose” has a meaning correlative

thereto.

“Dollar”

and “$” mean lawful money of the United States.

“Draw Period”

means the period commencing on the Closing Date and ending on the Draw Period Termination Date.

Page 21

“Draw Period

Termination Date” means the earlier of (a) the date on which a Cease Funding Event, which is not waived in accordance

with the terms hereof, occurs, and (b) SeptemberNovember 30,

2026; provided, that Borrower may seek to extend the Draw Period by an additional one (1) year in accordance with Section 2.01(b).

“Electronic Platform”

means an electronic system for the delivery of information (including documents), such as SyndTrak, DebtX or Dropbox or secure FTP site

that may or may not be provided or administered by Administrative Agent or an Affiliate thereof.

“Eligible Account”

means a Deposit Account of a Credit Party that is (a) subject to a duly perfected first-priority security interest and Lien in

Administrative Agent’s favor, for the benefit of Administrative Agent and the Lenders, pursuant to Account Control Agreements,

and (b) not subject to any Lien other than (x) the Lien of the Administrative Agent, (y) the subordinated Lien of the

Term Loan Administrative Agent under the Term Loan Documents and (z) Permitted Liens.

“Eligible Assignee”

means any of the following: (a) a Lender; (b) an Affiliate of a Lender; or (c) any Person (other than a natural person)

that is (or will be) engaged in making, purchasing, holding or otherwise investing in commercial loans and similar extensions of credit

in the ordinary course of business to the extent such Person is administered or managed by: (i) a Lender; or (ii) an Affiliate

of a Lender.

“Eligible Cash”

means Cash and Cash Equivalents owned by the Credit Parties which are then on deposit in an Eligible Account.

“Eligible Consumer

Receivables” means Consumer Receivables that, as of any date of determination, are acceptable to both Administrative Agent

and Class B Agent, each in its Permitted Discretion; provided, however, that each such Person’s determination,

in its Permitted Discretion, as to whether any Consumer Receivables constitute “Eligible Consumer Receivables” that may be

included in the calculation of the Borrowing Base shall include consideration of, but not be limited to, all of the eligibility criteria

set forth on Exhibit 2.

“Eligible Principal

Balance” means, as of any date of determination, the principal amount (or (i) in the case of a Single Pay Receivable,

the original principal amount disbursed to the related Consumer Receivable Obligor or (ii) in the case of a Consumer Receivable

acquired by way of participation interest of the Borrower or any of its Subsidiaries, the principal amount of such Consumer Receivable

multiplied by the applicable participation percentage owned by the Borrower or any of its Subsidiaries) of all Eligible Consumer Receivables

(or interests therein in the case of a participation) that are subject to a duly perfected first-priority security interest and Lien

in Administrative Agent’s favor, for the benefit of Administrative Agent and the Lenders, less the aggregate (without duplication)

of all of the following with respect to such Consumer Receivables:

(a)            all

payments of principal actually received as Collections during the applicable Collection Period with respect to such Consumer Receivables;

(b)            all

full or partial voluntary prepayments received as Collections during the applicable Collection Period with respect to such Consumer Receivables;

greater of the Charge-Offs made or required to be made by Borrower in the preceding Collection Period for such Consumer Receivables;

and

(d)            the

Excess Concentration Amount.

Page 22

“Enforcement

Action” means any action to enforce any Obligations or Revolving Credit Documents or to realize upon any Collateral (whether

by judicial action, self-help, notification of account debtors, exercise of setoff or recoupment, or otherwise).

“Environmental

Claims” means all claims, however asserted, by any Governmental Authority or other Person alleging Environmental Liabilities.

“Environmental

Laws” means any and all Federal, state, local, and foreign statutes, Laws, regulations, ordinances, rules, judgments, orders,

decrees, permits, concessions, grants, franchises, licenses, agreements or governmental restrictions relating to pollution, the protection

of the environment or the release of any materials into the environment, including those related to Hazardous Materials or wastes, air

emissions and discharges to waste or public systems.

“Environmental

Liability” means any liability, contingent or otherwise (including any liability for damages, costs of environmental remediation,

fines, penalties or indemnities), of Borrower, any other Credit Party or any of their respective Subsidiaries directly or indirectly

resulting from or based upon: (a) violation of any Environmental Law; (b) the generation, use, handling, transportation, storage,

treatment or disposal of any Hazardous Materials; (c) exposure to any Hazardous Materials; (d) the release or threatened release

of any Hazardous Materials into the environment; or (e) any contract, agreement or other consensual arrangement pursuant to which

liability is assumed or imposed with respect to any of the foregoing.

“Environmental

Permit” means any permit, approval, authorization, certificate, license, variance, filing or permission required by or

from any Governmental Authority pursuant to any Environmental Law.

“Equity Interests”

means, with respect to any Person, all of the shares of capital stock of (or other ownership or profit interests in) such Person, all

of the warrants, options or other rights for the purchase or acquisition from such Person of shares of capital stock of (or other ownership

or profit interests in) such Person, all of the securities convertible into or exchangeable for shares of capital stock of (or other

ownership or profit interests in) such Person or warrants, rights or options for the purchase or acquisition from such Person of such

shares (or such other interests), and all of the other ownership or profit interests in such Person (including partnership, member or

trust interests therein), whether voting or nonvoting, and whether or not such shares, warrants, options, rights or other interests are

outstanding on any date of determination.

“ERISA”

means the Employee Retirement Income Security Act of 1974.

“ERISA Affiliate”

means any trade or business (whether or not incorporated) under common control with Borrower or any Subsidiary thereof within the meaning

of Section 414(b) or (c) of the Code (and Sections 414(m) and (o) of the Code for purposes of

provisions relating to Section 412 of the Code).

Page 23

“ERISA Event”

means any of the following: (a) a Reportable Event with respect to a Pension Plan; (b) the incurrence by Borrower or an ERISA

Affiliate of any liability with respect to a withdrawal by Borrower or any ERISA Affiliate from a Pension Plan subject to Section 4063

of ERISA during a plan year in which it was a substantial employer (as defined in Section 4001(a)(2) of ERISA) or a cessation

of operations that is treated as such a withdrawal under Section 4062(e) of ERISA; (c) the incurrence by Borrower or any

ERISA Affiliate of any liability with respect to a complete or partial withdrawal (as described in Sections 4203 and 4205 of ERISA respectively)

by Borrower or any ERISA Affiliate from a Multiemployer Plan or the receipt by Borrower or an ERISA Affiliate of notification that a

Multiemployer Plan is in reorganization; (d) the filing of a notice of intent to terminate, the treatment of a Plan amendment as

a termination under Sections 4041 or 4041A of ERISA, or the commencement of proceedings by the PBGC to terminate a Pension Plan

or Multiemployer Plan; (e) an event or condition that constitutes grounds under Section 4042 of ERISA for the termination of,

or the appointment of a trustee to administer, any Pension Plan or Multiemployer Plan; (f) the imposition of any liability under

Title IV of ERISA, other than for PBGC premiums due but not delinquent under Section 4007 of ERISA, upon Borrower or any ERISA

Affiliate; (g) the determination that a Pension Plan is, or is expected to be, in “at risk” status (within the meaning

of Section 430 of the Code or Section 303 of ERISA) or that a Multiemployer Plan is in critical or endangered status (within

the meaning of Section 432 of the Code or Section 305 of ERISA); or (h) any Foreign Benefit Event.

“Event of Default”

has the meaning ascribed thereto in Section 8.01.

“Excess Concentration

Amount” means, as of any date of determination, for all Consumer Receivables that are subject to a duly perfected first-priority

security interest and Lien in Administrative Agent’s favor, for the benefit of Administrative Agent and the Lenders, the portion

of the otherwise Eligible Principal Balance that exceeds the Agreed Concentration Targets.

“Existing CCF

Revolving Credit Agreement” has the meaning ascribed thereto in the Recitals hereto.

“Existing CIC

Credit Agreement” has the meaning ascribed thereto in the Recitals hereto.

“Existing CIC

Loan Documents” has the meaning ascribed thereto in the Recitals hereto.

“Existing Revolving

Credit Agreement” has the meaning ascribed thereto in the Recitals hereto.

“Exchange Act”

means the Securities Exchange Act of 1934.

“Excluded Account”

means any Deposit Account denoted as an “Excluded Account” in the table on Schedule 1.03 (as the same may be updated

from time to time with the consent of Administrative Agent in its Permitted Discretion) (a) solely used to cover wages and payroll

for employees of a Credit Party (and related contributions to be made on behalf of such employees to employee health and benefit plans)

plus balances for outstanding checks for wages and payroll from prior periods; (b) constituting employee withholding accounts

and containing only funds deducted from pay otherwise due to employees for services rendered to be applied toward the Tax obligations

of such employees; (c) constituting escrow accounts or trust or fiduciary accounts held in trust or otherwise into which there are

no funds on deposit other than deposits held in trust for the benefit of a third party; (d) arising in connection with any Approved

CSO or Approved CSO Agreement or other similar lending relationship; or (e) constituting unrestricted cash required by a Governmental

Authority.

“Excluded Subsidiary”

means dormant or immaterial Subsidiaries, set forth on Schedule 7.04(b)(iv) which the Credit Parties shall dissolve or wind-up

within one hundred and twenty (120) days of the Closing Date or such longer period of time as permitted by the Administrative Agent in

its Permitted Discretion.

Page 24

“Excluded Swap

Obligation” means, with respect to any Guarantor, any Swap Obligation if, and to the extent that, all or a portion of the

Guarantee of such Guarantor of, or the grant by such Guarantor of a security interest to secure, such Swap Obligation (or any Guarantee

thereof) is or becomes illegal under the Commodity Exchange Act or any rule, regulation or order of the Commodity Futures Trading Commission

(or the application or official interpretation of any thereof) by virtue of such Guarantor’s failure for any reason not to constitute

an “eligible contract participant” as defined in the Commodity Exchange Act at the time the Guarantee of such Guarantor becomes

effective with respect to such related Swap Obligation.

“Excluded Taxes”

means, with respect to Administrative Agent, any Lender or any other recipient of any payment to be made by or on account of any obligation

of Borrower hereunder, (a) net income, branch profits, or franchise Taxes imposed on or measured by its overall net income

(however denominated), by the jurisdiction (or any political subdivision thereof) under the Laws of which such recipient is organized

or in which its principal office is located or, in the case of any Lender, in which its applicable lending office is located, (b) except

in the case of an assignee pursuant to a request by Borrower under Section 3.07, any U.S. federal withholding Taxes that

is imposed on amounts payable to such recipient at the time such recipient becomes a party hereto (or designates a new lending office),

except to the extent that such recipient (or its assignor, if any) was entitled, at the time of designation of a new lending office (or

assignment), to receive additional amounts from Borrower with respect to such withholding tax pursuant to Section 3.01(a),

(c) any withholding Taxes attributable to such recipient’s failure to comply with documentation requirements under Section 3.01(e),

and (d) any withholding Taxes imposed under FATCA.

“Existing Guaranteed

Obligations” has the meaning ascribed thereto in Section 10.14(j).

“Existing Product”

means any consumer loan or other consumer loan related financial asset reflected on the balance sheet of the Borrower and its Subsidiaries

as of the Closing Date and described in the Program Summary.

“FATCA”

means Sections 1471 through 1474 of the Code, as of the date of this Agreement (or any amended or successor version that is substantially

comparable and not materially more onerous to comply with), any current or future regulations or official interpretations thereof, any

agreements entered into pursuant to Section 1471(b)(1) of the Code and any fiscal or regulatory legislation, rules or

practices adopted pursuant to any intergovernmental agreement, treaty or convention among Governmental Authorities and implementing such

Sections of the Code.

“Federal Funds

Rate” means, for any day, the rate per annum equal to the weighted average of the rates on overnight Federal funds transactions

with members of the Federal Reserve System arranged by Federal funds brokers on such day, as published by the Federal Reserve Bank of

New York on the Business Day next succeeding such day; provided that: (a) if such day is not a Business Day, then the Federal

Funds Rate for such day shall be such rate on such transactions on the next preceding Business Day as so published on the next succeeding

Business Day; and (b) if no such rate is so published on such next succeeding Business Day, then the Federal Funds Rate for such

day shall be the average rate (rounded upward, if necessary, to a whole multiple of one one-hundredth of 1.00%) quoted to Administrative

Agent for such day for such transactions from three federal funds brokers of recognized standing selected by Administrative Agent.

“Federal Regulatory

Event’’ means the enactment, adoption or issuance of any Law, rule or regulation by the United States federal

government, the effect of which is to regulate the origination, purchase or collection of or limit the enforceability of Consumer Receivables

in a manner that would, in Administrative Agent’s Permitted Discretion, materially and adversely affect Borrower’s ability

to timely repay any Revolving Credit Loan or Term Borrower's ability to timely repay the Term Loan.

Page 25

“Financing Statement”

has the meaning ascribed thereto in Section 5.18(a).

“First Payment

Default” means, with respect to any Multi-Pay Receivable that was included in the Borrowing Base at the time of its origination,

that the first scheduled payment consisting of both principal and interest, due on such Multi-Pay Receivable was greater than thirty

(30) days past due.

“First Payment

Default Percentage” means, for any Monthly Vintage, an amount, expressed as a percentage, of the Monthly Vintage Defaulted

Principal Amount divided by the Monthly Vintage Original Principal Amount.

“First Payment

Default Permissible Percentage” means, with respect to any Multi-Pay Receivable, 10%.

“Fiscal Period”

means, as of any date of determination with respect to Borrower or any Subsidiary thereof, as the context may require, (i) each

Fiscal Quarter occurring during each of Borrower’s fiscal years or (ii) for the twelve-month period ending on the last day

of any Fiscal Quarter.

“Fiscal Quarter”

means, as of any date of determination with respect to Borrower or any Subsidiary thereof, a Fiscal Quarter of any Fiscal Year.

“Flow of Funds”

means the agreed flow of funds regarding all Collections, the Concentration Accounts, Funding Account and any other Deposit Accounts

attached hereto as Schedule 1.05, as the same may be amended, restated or replaced from time to time with the prior written consent

of Administrative Agent in its Permitted Discretion.

“Foreign Benefit

Event” means, with respect to any Foreign Pension Plan, (a) the existence of unfunded liabilities in excess of the

amount permitted under any applicable Law, or in excess of the amount that would be permitted absent a waiver from a Governmental Authority,

(b) the failure to make the required contributions or payments, under any applicable Law, on or before the due date for such contributions

or payments, (c) the receipt of a notice by a Governmental Authority relating to the intention to terminate any such Foreign Pension

Plan or to appoint a trustee or similar official to administer any such Foreign Pension Plan, or alleging the insolvency of any such

Foreign Pension Plan and (d) the incurrence of any liability in excess of $1,000,000.00 (or the Dollar equivalent thereof in another

currency) by Borrower or any of its Subsidiaries under applicable Law on account of the complete or partial termination of such Foreign

Pension Plan or the complete or partial withdrawal of any participating employer therein, or (e) the occurrence of any transaction

that is prohibited under any applicable Law and could reasonably be expected to result in the incurrence of any liability by Borrower

or any of its Subsidiaries, or the imposition on Borrower or any of its Subsidiaries of any fine, excise tax or penalty resulting from

any noncompliance with any applicable Law, in each case in excess of $1,000,000.00 (or the Dollar equivalent thereof in another currency).

“Foreign Lender”

means a Lender that is not a “United States person” under Section 7701(a)(30) of the Code.

“Foreign Pension

Plan” means any benefit plan which under applicable Law is required to be funded through a trust or other funding vehicle

other than a trust or funding vehicle maintained exclusively by a Governmental Authority.

Page 26

“FRB”

means the Board of Governors of the Federal Reserve System of the United States.

“Funding Date”

means each Remittance Date during the Draw Period on which the Lenders make Revolving Credit Loans to Borrower.

“GAAP”

means generally accepted accounting principles in the United States set forth in the opinions and pronouncements of the Accounting Principles

Board and the American Institute of Certified Public Accountants and statements and pronouncements of the Financial Accounting Standards

Board or such other principles as may be approved by a significant segment of the accounting profession in the United States, that are

applicable to the circumstances as of the date of determination, consistently applied.

“Governmental

Authority” means any federal, state, municipal, national, local or other governmental department, court, commission, board,

bureau, agency, regulatory body, authority or instrumentality or political subdivision thereof, including without limitation, any attorney

general or agency related thereto, the Consumer Financial Protection Bureau, or any entity or officer exercising executive, legislative

or judicial, taxing, regulatory or administrative functions of or pertaining to any government or any court, in each case, whether of

the United States or a state, territory or possession thereof, a foreign sovereign entity or country or jurisdiction or the District

of Columbia.

“Gross Finance

Receivables” means all Consumer Receivables originated or acquired by Borrower and its Subsidiaries.

“Guarantee”

means, as to any Person, any obligation, contingent or otherwise, of such Person guaranteeing or having the economic effect of guaranteeing

any Debt or other obligation payable or performable by another Person (the “primary obligor”) in any manner,

whether directly or indirectly, and including any obligation of such Person, direct or indirect: (a) to purchase or pay (or advance

or supply funds for the purchase or payment of) such Debt or other obligation; (b) to purchase or lease property, securities or

services for the purpose of assuring the obligee in respect of such Debt or other obligation of the payment or performance of such Debt

or other obligation; (c) to maintain working capital, equity capital or any other financial statement condition or liquidity or

level of income or cash flow of the primary obligor so as to enable the primary obligor to pay such Debt or other obligation; or (d) entered

into for the purpose of assuring in any other manner the obligee in respect of such Debt or other obligation of the payment or performance

thereof or to protect such obligee against loss in respect thereof (in whole or in part). The amount of any Guarantee shall be deemed

to be an amount equal to the stated or determinable amount of the related primary obligation, or portion thereof, in respect of which

such Guarantee is made or, if not stated or determinable, the maximum reasonably anticipated liability in respect thereof as determined

by the guaranteeing Person in good faith. The term “Guarantee” as a verb has a corresponding meaning.

“Guaranteed Obligations”

has the meaning ascribed thereto in Section 10.14(a).

“Guarantors”

means, collectively: (a) each Subsidiary Guarantor (including each Subsidiary of Borrower who executes a Joinder Agreement following

the date hereof); and (b) each other Person who, following the date hereof, is required pursuant to the terms hereof to be a guarantor

of the Obligations.

“Guaranty”

means any guaranty, in form and substance acceptable to Administrative Agent, made by a Guarantor in favor of Administrative Agent and

each Lender and includes the guaranty set forth in Section 10.14.

Page 27

“Hazardous Materials”

means all explosive or radioactive substances or wastes and all hazardous or toxic substances, wastes or other pollutants, including

petroleum or petroleum distillates, asbestos or asbestos-containing materials, polychlorinated biphenyls, radon gas, infectious or medical

wastes and all other substances or wastes of any nature regulated pursuant to any Environmental Law.

“Indemnified

Taxes” means (a) Taxes other than Excluded Taxes imposed on or with respect to any payment made by or on account of

any obligation of any Credit Party under any Revolving Credit Documents, and (b) to the extent not otherwise described in clause

(a), Other Taxes.

“Indemnitees”

means, collectively, Administrative Agent (and any sub-agent thereof), each Lender, the Backup Servicing Agent and each Related Party

of any of the foregoing Persons.

“Ineligible Receivable”

means any Consumer Receivable that is not an Eligible Consumer Receivable.

“Installment

Loan” means an unsecured Consumer Receivable with a set dollar amount that is repaid through a set number of scheduled

payments and which satisfies the applicable criteria set forth in the Program Summary for an “Installment Loan”.

“Installment

Title Loan” means a secured Consumer Receivable with a set dollar amount that is repaid through a set number of scheduled

payments and which satisfies the applicable criteria set forth in the Program Summary for a “Title Installment Loan”.

“Interest Coverage

Ratio (CCF Holdings)” means, for any Fiscal Quarter, the ratio of (a) Consolidated Adjusted EBITDA (CCF Holdings)

for the twelve (12) month period ending on the last day of such Fiscal Quarter to (b) Consolidated Interest Expense of CCF Holdings

for the twelve-month period ending on the last day of such Fiscal Quarter.

“Interest Period”

shall mean (a) the period commencing on the Closing Date and ending on, but excluding, the first (1st) day of the succeeding

calendar month, and (b) thereafter, the period commencing on the last day of the preceding Interest Period and ending on, but excluding,

the first (1st) day of the succeeding calendar month; provided that, if any Interest Period would otherwise end on a day which

is not a Business Day, such Interest Period shall be extended to the succeeding Business Day.

“Investment”

means, as to any Person, any direct or indirect acquisition or investment by such Person in another Person, whether by means of: (a) the

purchase or other acquisition of Equity Interests or other securities of another Person; (b) a loan, advance or capital contribution

to, Guarantee or assumption of debt of, or purchase or other acquisition of any other debt or equity participation or interest in, another

Person, including any partnership or limited liability company interest in such other Person and any arrangement pursuant to which the

investor Guarantees the Debt of such other Person; or (c) the purchase or other acquisition (in one transaction or a series of transactions)

of assets of another Person that constitute a business unit. For purposes of covenant compliance, the amount of any Investment shall

be the amount actually invested, without adjustment for subsequent increases or decreases in the value of such Investment.

“IRS”

means the United States Internal Revenue Service.

“Joinder Agreement”

means an agreement entered into by a Subsidiary of Borrower following the date hereof to join in the Guaranty set forth in Section 10.14,

in substantially the form of Exhibit C or any other form approved by Administrative Agent.

Page 28

“Katapult” means Katapult Holdings, Inc.,

a Delaware corporation.

“Katapult Intermediate”

means Katapult Intermediate Holdings III, LLC, a Delaware limited liability company.

“Katapult Merger

Agreement”           means that certain Agreement and

Plan of Merger dated on or about October 16, 2025, by and among Katapult, Katapult Merger Sub 1, Inc., Katapult Merger Sub

2, LLC, CCF Holdings and Aaron’s Holdco, substantially in the form of the attached Exhibit J (or as amended or modified

from time to time so long as such amendments and modifications are not materially adverse to the Lenders).

“Katapult Merger

Transaction” means the consummation of and the satisfaction of all conditions precedent to the merger of newly formed Subsidiaries

of Katapult to be formed in connection with such merger with and into each of (a) CCF Holdings and (b) Aaron’s Holdco,

and any related restructuring transactions as described in the Katapult Merger Agreement.

“Key Employee”

means each of Kyle Hanson and Julie Torkelson, or any replacement thereof approved by Administrative Agent and Class B Agent, each

in its Permitted Discretion.

“Laws”

means, collectively, all international, foreign, Federal, state and local statutes, treaties, rules, guidelines, regulations, ordinances,

codes and administrative or judicial precedents or authorities, including the interpretation or administration thereof by any Governmental

Authority charged with the enforcement, interpretation or administration thereof, and all applicable administrative orders, directed

duties, requests, licenses, authorizations and permits of, and agreements with, any Governmental Authority, in each case whether or not

having the force of law, and other legal requirements of any and every conceivable type applicable to the Revolving Credit Loans, the

Revolving Credit Documents, Borrower, any Processor or the Collateral or any portion thereof, including, but not limited to, Credit Protection

Laws, credit disclosure laws and regulations, the Fair Labor Standards Act, and all applicable state and federal usury laws.

“Legacy CCF Subsidiaries”

has the meaning ascribed thereto in the Recitals hereto.

“Legacy CIC Subsidiaries”

has the meaning ascribed thereto in the Recitals hereto.

“Lender”

means a Revolving Credit Lender.

“Lender Distribution

Clauses” has the meaning ascribed thereto in Section 2.09(c)(i).

“Lending Office”

means, as to any Lender, the office or offices of such Lender described as such in such Lender’s Administrative Detail Form, or

such other office or offices as a Lender may from time to time notify Borrower, Administrative Agent and Lenders.

“Leverage Ratio

(CCF Holdings)” means, for any Fiscal Quarter, the ratio of (a) the sum of (i) the aggregate outstanding amount

of Debt of CCF Holdings and its Subsidiaries under the Sparrow Loan Documents, the Term Loan Documents, the Revolving Credit Documents

and the TMX Financing Documents less (ii) all Liquidity (CCF Holdings), in each case as of the last day of such Fiscal Quarter,

to (b) Consolidated Adjusted EBITDA (CCF Holdings) for the twelve (12) month period ending on the last day of such Fiscal Quarter.

Page 29

“Lien”

means any mortgage, pledge, hypothecation, assignment, deposit arrangement, encumbrance, lien (statutory or other), charge, or preference,

priority or other security interest or preferential arrangement in the nature of a security interest of any kind or nature whatsoever

(including any conditional sale or other title retention agreement and any easement, right of way or other encumbrance on title to real

property).

“Line of Credit”

means an unsecured or secured Consumer Receivable in the form of a line of credit that permits the Consumer Receivable Obligor to borrow

and repay as needed and which satisfies the applicable criteria set forth in the Program Summary for a “Line of Credit”.

“Liquidity (Borrower)”

means, as of any date of determination, the sum of (a) all unrestricted and unencumbered (other than Permitted Cash Liens (Borrower))

Cash and Cash Equivalents of Borrower and its Subsidiaries as of such date (including all Cash and Cash Equivalents in any deposit accounts

and securities accounts of Borrower and its Subsidiaries (including the Deposit Accounts maintained in compliance with the terms of Section 6.13)

plus (b) the amount available and undrawn under any committed revolving indebtedness of Borrower and its Subsidiaries based

on the aggregate of the most recent borrowing base reports prior to the end of the calendar month as long as such amount remains undrawn

through the end of such calendar month.

“Liquidity (CCF

Holdings)” means, as of any date of determination, the sum of (a) all unrestricted and unencumbered (other than Permitted

Cash Liens (CCF Holdings)) Cash and Cash Equivalents of CCF Holdings and its Subsidiaries as of such date (including all Cash and Cash

Equivalents in any deposit accounts and securities accounts of CCF Holdings and its Subsidiaries (including the Deposit Accounts maintained

in compliance with the terms of Section 6.13) plus (b) the amount available and undrawn under any committed revolving

indebtedness of CCF Holdings and its Subsidiaries based on the aggregate of the most recent borrowing base reports prior to the end of

the calendar month as long as such amount remains undrawn through the end of such calendar month.

“Material Adverse

Effect” means, as of any date of determination, as determined by Administrative Agent or Class B Agent in its Permitted

Discretion, the occurrence of: any event, condition, obligation, liability or circumstance (or set of events, conditions, obligations,

liabilities or circumstances), or any change(s) including, without limitation, a Portfolio Trigger Event, changes in the Laws of

any Applicable State or any changes in any other applicable Laws, the existence of any Regulatory Action (or any changes with respect

thereto) or the existence of any Federal Regulatory Event (or changes with respect thereto) which, as determined by Administrative Agent

or Class B Agent, in its Permitted Discretion, (i) has a material adverse effect upon or change in the legality, validity,

binding effect or enforceability of a material portion of the Consumer Receivables, any Revolving Credit Document, any Term Loan Document

or any CCF Preferred Equity Document; (ii) has a material adverse effect on the value, marketability or collectability of a material

portion of the Collateral, including the Consumer Receivables, the Credit Parties’ interest therein or the duly perfected first-priority

security interest of Administrative Agent therein (based on the deviation from the projections, estimates, concentrations and criteria

provided to Administrative Agent and Class B Agent as of the Closing Date (including, without limitation, delinquency and default

projections)); or (iii) has a material adverse effect on the business, operations, properties, assets, liabilities or financial

condition of any Credit Party or a material impairment of the ability of any Credit Party to conduct its business as presently conducted

in compliance with the Laws of any Applicable State or any other applicable Laws, including, without limitation, any origination, servicing,

and other obligations under any of the Revolving Credit Documents (or any repudiation or breach thereof).

“Maturity Date”

means the earlier of: (a) with respect to the Class A Loans and the Class B Loans the date that is the last day of the

Amortization Period, and (b) the date of the acceleration of the Outstanding Legal Balance and all other Obligations pursuant to

Section 8.02(b) following the occurrence of an Event of Default.

Page 30

“Maximum Commitment

Amount” means $180,000,000.00.

“Maximum Rate”

means, at any time, the maximum rate of interest permitted by applicable Law.

“Mistaken Payment”

has the meaning ascribed thereto in Section 2.09(c)(v).

“Monetizing Event”

means (a) any bona-fide initial public offering by CCF Holdings or any of its Subsidiaries or (b) “Change of Control

Transaction” (as defined in the CCF Operating Agreement) consented to by the holders of the CCF Preferred Units.

“Monthly Vintage”

means, for any calendar month, each of the Consumer Receivables originated during such month that were included in the Borrowing Base

at any time.

“Monthly Vintage

Original Principal Amount” means, for any calendar month, the aggregate of the original principal loan amounts of the Consumer

Receivables constituting a Monthly Vintage.

“Monthly Vintage

Defaulted Principal Amount” means, for any Monthly Vintage, the aggregate outstanding and unpaid principal balance of the

Consumer Receivables in such Monthly Vintage that experience First Payment Defaults.

“Multiemployer

Plan” means any employee benefit plan of the type described in Section 4001(a)(3) of ERISA to which Borrower

or any ERISA Affiliate makes or is obligated to make contributions, or during the preceding five plan years, has made or been obligated

to make contributions.

“Multi-Pay Receivable”

means any Consumer Receivable that is not a Single Pay Receivable.

“Net Collections”

means, with respect to any Business Day, all Collections received by Borrower and its Subsidiaries since the prior Business Day, minus

(i) those Collections which were remitted to customers in the ordinary course of business and (ii) those Collections that were

used for petty cash purposes at a CCF Store, which in no event shall exceed $250 per CCF Store on such Business Day and (i) those

Collections included in the Aggregate Cash-in-Store on such Business Day.

“New Product”

means any consumer loan or other consumer loan related financial asset reflected on the balance sheet, which (a) is not an Existing

Product and (b) a Credit Party proposes to begin offering to its customers, or investing in, such that it will be reflected on its

balance sheet following the Closing Date in accordance with criteria set forth in an updated Program Summary, which updated Program Summary

shall be delivered to Administrative Agent in accordance with Section 6.03(a).

“Non-Approved

Product” means (a) any Existing Product with respect to which a Credit Party has amended the applicable criteria set

forth in the Program Summary but has not obtained the Administrative Agent’s approval of such amendment and (b) any New Product

which has not been approved by Administrative Agent and Class B Agent.

“Note”

or “Notes” means, individually or collectively as the context may require, a promissory note executed by the

Borrower in favor of the Class A Lender or the Class B Lender, as applicable, in the form of Exhibit E-1 (in the

case of the Class A Lender) or Exhibit E-2 (in the case of the Class B Lender), in each case, to the extent requested

by the applicable Lender pursuant to Section 2.11 and as the same may be amended, divided, split, supplemented and/or restated

from time to time.

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“Notice of Borrowing”

means a written notice, pursuant to Section 2.02(a), of a borrowing of Revolving Credit Loans in the form of Exhibit D.

“Obligations”

means all advances, debts, liabilities, obligations, covenants and duties of each CCF Party to Administrative Agent or any Lender under

or in respect of any Revolving Credit Document, whether with respect to any Revolving Credit Loan, whether direct or indirect (including

those acquired by assumption), absolute or contingent, due or to become due, now existing or hereafter arising and including interest

and fees that accrue after the commencement by or against any CCF Party or any Affiliate thereof of any proceeding under any Bankruptcy

Law naming such Person as the debtor in such proceeding, regardless of whether such interest and fees are allowed claims in such proceeding;

provided, however, Obligations shall not include any Excluded Swap Obligation.

“Organizational

Documents” means: (a) with respect to any corporation, the certificate or articles of incorporation and the bylaws

(or equivalent or comparable constitutive documents with respect to any non-U.S. jurisdiction) of such Person; (b) with respect

to any limited liability company, the certificate or articles of formation or organization and operating agreement of such Person; and

(c) with respect to any partnership, joint venture, trust or other form of business entity, the partnership, joint venture or other

applicable agreement of formation or organization of such Person and any agreement, instrument, filing or notice with respect thereto

filed in connection with such Person’s formation or organization with the applicable Governmental Authority in the jurisdiction

of its formation or organization and, if applicable, any certificate or articles of formation or organization of such Person.

“Original CCF

Revolving Credit Agreement” has the meaning ascribed thereto in the Recitals hereto.

“Original CIC

Credit Agreement” has the meaning ascribed thereto in the Recitals hereto.

“Other Taxes”

means all present or future stamp, intangible or documentary Taxes or any other excise or property taxes, charges or similar levies arising

from any payment made hereunder or under any other Revolving Credit Document or from the execution, delivery or enforcement of, or otherwise

with respect to, this Agreement or any other Revolving Credit Document.

“Outstanding

Legal Balance” means, with respect to any or all Revolving Credit Loans, as the context may require and as determined weekly

as of the close of the previous week, the sum of (a) the aggregate outstanding principal amount of such Revolving Credit Loans plus

all accrued and unpaid interest thereon, compounded on a weekly basis as of the last day immediately preceding Remittance Date, plus

(b) all accrued and due fees owed to any third parties in connection with any Account Control Agreements, Processor Direction Letters

or any other arrangements with third parties entered into pursuant to or in connection with the Revolving Credit Documents, plus

(c) all other unpaid and due Obligations of the Credit Parties allocable to such Revolving Credit Loans as determined by Administrative

Agent in its Permitted Discretion.

“Parent Entity”

means any Person that is a direct or indirect parent of Borrower.

“Participant”

any Person who by separate written agreement with a Lender is expressly provided with all of the rights of a “Participant”

as provided herein (and shall not include the holder of a silent sub-participation).

Page 32

“Past Due”

means, as of any date of determination, a Consumer Receivable as to which the most recent scheduled payment was not fully and timely

satisfied on the date such payment was due; provided that in the case of (i) any Single Pay Receivable that is subject to

an accepted extended payment plan that was required to be offered by applicable Law, such Single Pay Receivable shall be deemed not to

be “Past Due” for all purposes hereunder if the applicable Consumer Receivable Obligor with respect to such Single Pay Receivable

is in compliance with the terms of such accepted extended payment plan and (ii) any Consumer Receivable where an accommodation has

been reached with the applicable Consumer Receivable Obligor pursuant to the Servicing Policy, and such Consumer Receivable Obligor has

not defaulted under such accommodation, such Consumer Receivable shall be deemed not to be “Past Due” for all purposes hereunder.

“Payment Intangibles”

has the meaning set forth in the UCC.

“PBGC”

means the Pension Benefit Guaranty Corporation.

“Pension Plan”

means any “employee pension benefit plan” (as that term is defined in Section 3(2) of ERISA), other than a Multiemployer

Plan, that is subject to Title IV of ERISA and is sponsored or maintained by Borrower or any ERISA Affiliate or to which Borrower

or any ERISA Affiliate contributes or has an obligation to contribute, or in the case of a multiple employer or other plan described

in Section 4064(a) of ERISA, has made contributions at any time during the immediately preceding five plan years.

“Percentage Share”

means as to any Class A Lender or Class B Lender, its Revolving Credit Percentage Share.

“Perfection Certificate”

means the Perfection Certificate substantially in the form of Exhibit A to the Security Agreement.

“Permitted Acquisition”

means any Acquisition approved in writing by Administrative Agent or any other Acquisition so long as: (a) such Acquisition is undertaken

in accordance with all applicable Laws; (b) no Borrowing Base Shortfall or Event of Default has occurred and is continuing immediately

prior to, or would exist immediately after, giving effect to such Acquisition; (c) in connection with such Acquisition for which

the aggregate cash and non-cash consideration to be paid by Borrower exceeds $2,500,000, Borrower has obtained and delivered to Administrative

Agent the prior, effective written consent of the board of directors or equivalent governing body of the Person or business so acquired

(the “Acquiree”); (d) the Acquiree (or the business unit or division of the Acquiree to be acquired) shall

be engaged principally in the same business as Borrower or the Subsidiary of Borrower proposing to effect such Acquisition or a Related

Business, and shall be organized under the Laws of a State of the United States unless otherwise consented to by Administrative Agent

and Class B Agent, each in its Permitted Discretion; and (e) upon the consummation of any such Acquisition, a Responsible Officer

of Borrower delivers a certificate to Administrative Agent: (i) to the effect that each of clauses (a) through (d), inclusive,

of this definition has been satisfied; and (ii) detailing pro forma compliance with all financial covenants set forth in Section 6.12

as of the most recent test date and as of the date of the last day of the Fiscal Period in which the proposed Acquisition is to occur.

Page 33

“Permitted Cash

Liens (Borrower)” means any of the following:

(a)            any

Lien created under any Loan Document, Term Loan Document, Sparrow Loan Document or TMX Loan Document;

(b)            any

Lien arising solely by virtue of any statutory or common law provision relating to banker’s liens, rights of set off or similar

rights and remedies as to deposit accounts or securities accounts or other funds maintained with a creditor depository institution; provided

that: (i) such deposit account or securities account is not a dedicated cash collateral account and is not subject to restrictions

against access by any of Borrower or any of its Subsidiaries in excess of those set forth by regulations promulgated by the Board of

Governors of the Federal Reserve System of the United States; and (ii) such deposit account or securities account is not intended

by any of Borrower or any of its Subsidiaries to provide collateral to the depository institution; or

customary banker’s Liens in favor of banking institutions (including the right of setoff) encumbering deposit accounts or securities

accounts maintained at such banking institutions by any of Borrower or any of its Subsidiaries that are within the general parameters

in the banking industry or arising pursuant to such banking institution’s general terms and conditions.

“Permitted Cash

Liens (CCF Holdings)” means any of the following:

(a)            any

Lien created under any Loan Document, Term Loan Document or Sparrow Loan Document;

(b)            any

Lien arising solely by virtue of any statutory or common law provision relating to banker’s liens, rights of set off or similar

rights and remedies as to deposit accounts or securities accounts or other funds maintained with a creditor depository institution; provided

that: (i) such deposit account or securities account is not a dedicated cash collateral account and is not subject to restrictions

against access by any of CCF Holdings or any of its Subsidiaries in excess of those set forth by regulations promulgated by the Board

of Governors of the Federal Reserve System of the United States; and (ii) such deposit account or securities account is not intended

by any of CCF Holdings or any of its Subsidiaries to provide collateral to the depository institution; or

customary banker’s Liens in favor of banking institutions (including the right of setoff) encumbering deposit accounts or securities

accounts maintained at such banking institutions by any of CCF Holdings or any of its Subsidiaries that are within the general parameters

in the banking industry or arising pursuant to such banking institution’s general terms and conditions.

“Permitted Discretion”

means the determination by Administrative Agent, Class B Agent or a Lender, as applicable, in its reasonable discretion (reasonable

as determined from the perspective of a prudent secured asset-based lender under similar circumstances) acting in good faith and without

regard to any relationship that any such Person may have with any Credit Party in any capacity other than as the Administrative Agent,

Class B Agent or a Lender, as applicable.

“Permitted Grace

Period” means that, if any Credit Party fails to deliver or cause to be delivered any Net Collections received under any

Eligible Consumer Receivable, pledged as Collateral, to Administrative Agent, for the benefit of itself and the Lenders, in the manner

required by Section 6.13 hereof (other than by reason of any action which Administrative Agent shall deem, in Administrative

Agent’s Permitted Discretion, to be a conversion of all or any portion of the Collateral or fraudulent with respect to Administrative

Agent and Lenders), such failure shall not be an Event of Default unless (a) such Credit Party has failed to promptly (and, in no

event, greater than two (2) Business Days after such Credit Party knew or should have known about such failure or such later time

period agreed to by Administrative Agent in its Permitted Discretion) deliver to a Deposit Account of the Credit Parties maintained in

compliance with Section 6.13, such accidentally misdirected payments, and (b) the cumulative amount of such failures

pursuant to the foregoing clause (a) exceeds $100,000 in any annual twelve-month period commencing on the Closing Date.

Page 34

“Permitted Liens”

has the meaning ascribed thereto in Section 7.01.

“Permitted Subordinated

Debt” means the subordinated Debt of Borrower incurred pursuant to the Term Loan Documents and any other Debt that has been

subordinated to the Obligations on terms and conditions, and pursuant to documents, satisfactory to Administrative Agent in its sole discretion,

and, solely to the extent any subordinated Debt is not subordinated to the Obligations owing to the Class B Lenders on the same terms

and conditions as compared to the Obligations owing to the Class A Lenders, on terms and conditions, and pursuant to documents, satisfactory

to the Class B Agent.

“Person”

means any natural person, corporation, limited liability company, trust, joint venture, association, company, partnership, Governmental

Authority or other entity.

“Plan”

means any “employee benefit plan” (as such term is defined in Section 3(3) of ERISA) established, maintained or

contributed to by Borrower or any ERISA Affiliate.

“Pledge Agreement”

means that certain Amended and Restated Pledge Agreement, dated as of the date hereof, by CCF Intermediate Holdings LLC in favor of Administrative

Agent for the benefit of the Lenders and Term Loan Administrative Agent for the benefit of the Term Loan Lenders, as the same may be amended,

modified, supplemented, restated, replaced or renewed in writing from time to time in accordance with the terms hereof of thereof.

“Portfolio Trigger

Event” means as of any date of determination, any or all of the following events has occurred:

(a)            the

aggregate outstanding and unpaid principal balance of the Eligible Consumer Receivables in the Borrowing Base that became Charge-Offs,

Defaulted Receivables or Ineligible Receivables during a calendar month, as determined at the end of such calendar month, is greater than

7.5% of the aggregate outstanding and unpaid principal balance of all Eligible Consumer Receivables that were included in the Borrowing

Base as of the beginning of such calendar month for any two consecutive calendar months;

(b)            the

aggregate amount of fee and interest income received on the aggregate and unpaid principal balance of the Eligible Consumer Receivables

in the Borrowing Base during a calendar month, as determined at the end of such calendar month, is less than 13.75% of the aggregate amount

of the Eligible Consumer Receivables that were in the Borrowing Base as of the beginning of such calendar month;

aggregate outstanding and unpaid principal balance of the Eligible Consumer Receivables that are Single Pay Receivables in the Borrowing

Base that become Defaulted Receivables, Charge-Offs or Ineligible Receivables during a calendar month, as determined at the end of such

calendar month, is greater than 10.0% of the aggregate outstanding and unpaid principal balance of all Eligible Receivables that are Single

Pay Receivables, which were in the Borrowing Base as of the beginning of such calendar month (for two consecutive calendar months);

(d)            as

of the end of any calendar month, the aggregate outstanding and unpaid principal balance of the Eligible Consumer Receivables in the Borrowing

Base that are not more than fifteen (15) days Past Due represent less than 85% of all Eligible Consumer Receivables (excluding in the

numerator and the denominator Defaulted Receivables) in the Borrowing Base

Page 35

(e)            as

of the end of any calendar month, the aggregate outstanding and unpaid principal balance of the Eligible Consumer Receivables in the Borrowing

Base, which are Single Pay Receivables that are not more than fifteen (15) days Past Due represents less than 90% of all Eligible Consumer

Receivables that are Single Pay Receivables (excluding in the numerator and the denominator Defaulted Receivables) in the Borrowing Base;

(f)             the

First Payment Default Percentage for any Monthly Vintage is greater than the First Payment Default Permissible Percentage.

“Power of Attorney”

means a power of attorney executed by each Credit Party that holds one or more Zero Balance Accounts that are not subject to an Account

Control Agreement, in the form of Exhibit F.

“Prime Rate”

means the rate of interest per annum last quoted by The Wall Street Journal as the “Prime Rate” in the U.S. or, if The Wall

Street Journal ceases to quote such rate, the highest per annum interest rate published by the Federal Reserve Board in Federal Reserve

Statistical Release H.15 (519) (Selected Interest Rates) as the “bank prime loan” rate or, if such rate is no longer quoted

therein, any similar rate quoted therein (as determined by the Agent) or any similar release by the Federal Reserve Board (as determined

by the Agent). Any change in the Prime Rate shall take effect at the opening of business on the day such change is publicly announced

or quoted as being effective.

“Processor Direction

Letter” means, individually and collectively as the context may require, the instruction letter(s) delivered by Credit

Parties or Backup Servicing Agent to Processor on December 29, 2023 or from time to time regarding the direction of Collections and/or

amounts on deposit or to be directed to or at the direction of any Credit Party or Backup Servicing Agent from time to time on account

of the Consumer Receivables that irrevocably direct that such Collections be deposited, without offset, to a Concentration Account, in

form and substance satisfactory to Administrative Agent and Class B Agent, each in its Permitted Discretion, and, in each case, as

the same may be amended, modified, supplemented, restated, replaced or renewed in writing from time to time in accordance with the terms

hereof.

“Processor”

means any vendor of a Credit Party that at any time processes, administers or directs Collections (including, without limitation, proceeds

of Eligible Consumer Receivables) on behalf of any Credit Party or Backup Servicing Agent, as the case may be.

“Program Summary”

means the written program summary of Borrower and the other Credit Parties in place as of the Closing Date and attached hereto as Exhibit 3,

as the same may be amended, restated or replaced from time to time upon prior written notice to Administrative Agent and Class B

Agent in accordance with Section 6.03(a).

“Purchase Closing

Date” has the meaning set forth in Section 10.06(h).

“Purchase Default”

has the meaning set forth in Section 10.06(h).

“Purchase Notice”

has the meaning set forth in Section 10.06(h).

“Purchase Price”

has the meaning set forth in Section 10.06(h).

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“Qualified ECP

Guarantor” means, in respect of any Swap Obligation, each Credit Party that has total assets exceeding $10,000,000 at the

time the relevant Guarantee or grant of the relevant security interest becomes effective with respect to such Swap Obligation or such

other person as constitutes an “eligible contract participant” under the Commodity Exchange Act or any regulations promulgated

thereunder and can cause another person to qualify as an “eligible contract participant” at such time by entering into a keepwell

under Section 1a(18)(A)(v)(II) of the Commodity Exchange Act.

“Register”

means a register for the recordation of the names and addresses of Lenders and, as applicable, the Commitments of, and Outstanding Legal

Balance of the Revolving Credit Loans owing to, each Lender pursuant to the terms hereof from time to time.

“Regulatory Action”

means (a) the formal commencement by written notice by any Governmental Authority of any legal action or adversarial proceeding against

any Credit Party, any Subsidiary of any Credit Party or any of their respective Related Parties (other than Affiliates of such Person

and of such Person’s Affiliates) challenging its authority to originate, hold, own, service, collect or enforce any Consumer Receivable,

or otherwise alleging any material non-compliance by any Credit Party, any Subsidiary of any Credit Party or any of their respective Related

Parties (other than Affiliates of such Person and of such Person’s Affiliates) with any Laws of any Applicable State or any other

applicable Laws related to originating, holding, collecting, servicing or enforcing such Consumer Receivable, which inquiry, investigation,

legal action or proceeding is not released or terminated in a manner acceptable to Administrative Agent and Class B Agent in its

Permitted Discretion or (b) the issuance or entering of any stay, order, judgment, cease and desist order, injunction, temporary

restraining order, or other judicial or non-judicial sanction (other than the imposition of a monetary fine), order or ruling against

any Credit Party, any Subsidiary of any Credit Party or any of their respective Related Parties (other than Affiliates of such Person

and of such Person’s Affiliates) related in any way to the originating, holding, pledging, collecting, servicing or enforcing of

any Consumer Receivables; provided, that, in each case, upon the favorable resolution of any investigation, action or proceeding

as determined by Administrative Agent and Class B Agent in their Permitted Discretion, such Regulatory Action shall cease to exist

immediately upon such determination by Administrative Agent and Class B Agent. For the avoidance of doubt, a Routine Inquiry shall

not, on its own, constitute a Regulatory Action.

“Regulatory Legal

Opinion” means a legal opinion, dated no later than sixty (60) days after the Closing Date, issued by Dreher Tomkies LLP,

counsel to Administrative Agent.

“Related Business”

means any business that is the same, similar or otherwise reasonably related, ancillary or complementary to the businesses of Borrower

and its Subsidiaries on the Closing Date.

“Related Parties”

means, with respect to any Person, such Person’s Affiliates and the partners, members, directors, officers and non-ministerial employees

of such Person’s Affiliates.

“Relevant Governmental

Body” means the Federal Reserve Board or the Federal Reserve Bank of New York, or a committee officially endorsed or convened

by the Federal Reserve Board or the Federal Reserve Bank of New York, or any successor thereto.

“Remittance Date”

means the first Friday after the Closing Date and each Friday occurring thereafter (or, if such day is not a Business Day, the immediately

succeeding Business Day).

“Removal Effective

Date” has the meaning ascribed thereto in Section 9.06(b).

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“Removal Event”

has the meaning ascribed thereto in the definition of Applicable State.

“Replacement Lender”

has the meaning ascribed thereto in Section 3.07(a)(iii).

“Reportable Event”

means any of the events set forth in Section 4043(c) of ERISA, other than events for which the thirty-day notice period has

been waived.

“Required Lenders”

means (a) until such time as the Outstanding Legal Balance of the Class A Loans has been reduced to zero, the Class A Required

Lenders, and (b) following such time as the Outstanding Legal Balance of the Class A Loans has been reduced to zero, Lenders

holding in excess of 66.67% of the Outstanding Legal Balance of the Class B Loans; provided that the Outstanding Legal Balance

held or deemed held by, any Defaulting Lender shall be excluded for purposes of making a determination of Required Lenders; and provided

further, if there are less than three (3) Lenders, Required Lenders shall mean all Lenders.

“Required Class B

Lenders” means Class B Lenders holding in excess of 66.67% of the Outstanding Legal Balance of the Class B Loans;

provided that the Outstanding Legal Balance held or deemed held by, any Defaulting Lender shall be excluded for purposes of making

a determination of Required Class B Lenders; and provided further, if there are less than three (3) Class B Lenders, Required

Class B Lenders shall mean all Class B Lenders.

“Responsible Officer”

means: (a) with respect to Borrower in connection with any Compliance Certificate or any other certificate or notice pertaining to

any financial information required to be delivery by Borrower hereunder, the chief financial officer or controller of Borrower; and (b) otherwise

(including any Notice of Borrowing), with respect to Borrower or any other CCF Party, the chief executive officer, chief operating officer,

president, chief financial officer, treasurer or similar officer of such Person.

“Resignation Effective

Date” has the meaning ascribed thereto in Section 9.06(a).

“Retail Consumer

Receivable” means a Consumer Receivable for which the Consumer Obligor has submitted an application in-person in a CCF Store

operated by a Credit Party (as opposed to via the internet).

“Restricted Payment”

means, as to any Person, (a)any dividend or other distribution by such Person (whether in cash, securities or other property) with respect

to any Equity Interests of such Person (other than any dividends or distributions payable solely in its Equity Interests (other than Disqualified

Equity Interests) and dividends or distributions payable to Borrower or any of its Subsidiaries (and, if such Subsidiary has stockholders

other than Borrower or other Subsidiaries, to its other stockholders on no more than a pro rata basis)), (b)any payment (whether

in cash, securities or other property), including any sinking fund or similar deposit, on account of the purchase, redemption, retirement,

acquisition, cancellation or termination of any such Equity Interest (in each case other than held by Borrower or a Subsidiary of Borrower),

(c)any payment of principal or interest or any purchase, redemption, retirement, acquisition or defeasance with respect to any Debt of

such Person which is subordinated to the payment of the Obligations (other than in connection with Debt that matures within one year of

such payment, purchase, redemption, retirement, acquisition or defeasance), and (d)with respect to clauses (a) through (c), any transaction

that has a substantially similar effect.

“Revolving Credit

Commitment” means, as to each Revolving Credit Lender at any time any determination thereof is to be made, its obligation

to make Revolving Credit Loans to Borrower; all in an aggregate principal amount at any one time outstanding not to exceed the amount

set forth opposite such Lender’s name on Schedule 2.01 or in the Assignment and Assumption pursuant to which such Lender

became a party hereto or pursuant to the applicable Additional Commitment Documentation, as applicable, as such amount may be adjusted

from time to time in accordance with this Agreement.

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“Revolving Credit

Documents” means, collectively, this Agreement, each Note (if any), each Collateral Document, the Guaranties, if any, each

Account Control Agreement, each Processor Direction Letter, the Backup Servicing Agreement, the Closing Date Assignment and Assumption

Agreement, and all other agreements, documents, instruments and certificates heretofore or hereafter executed or delivered to Administrative

Agent, the Class B Agent or the Lenders in connection with any of the foregoing or the Revolving Credit Loans, together with any

and all renewals, modifications, amendments, restatements, consolidations, substitutions, replacements and extensions and modifications

of any of the foregoing permitted in accordance with the terms herein and/or thereof.

“Revolving Credit

Lender” means, collectively, (a)initially, each Lender designated on Schedule 2.01 and the signature pages hereto

as a “Revolving Credit Lender” and (b)each Lender that assumes a Revolving Credit Commitment pursuant to an Assignment and

Assumption or pursuant to the applicable Additional Commitment Documentation or which otherwise holds a Revolving Credit Commitment or

a Revolving Credit Loan.

“Revolving Credit

Loan” has the meaning ascribed thereto in Section 2.01(a).

“Revolving Credit

Percentage Share” means as to any Revolving Credit Lender at any time, the percentage (expressed as a decimal carried out

to the twelfth decimal place) of the Aggregate Commitments represented by such Lender’s Revolving Credit Commitment at such time;

provided that, if the commitment of each Revolving Credit Lender to make Revolving Credit Loans have been terminated pursuant to

Section 8.02 or if the Aggregate Commitments have expired, then the Revolving Credit Percentage Share of each Revolving Credit

Lender shall be determined based upon such Lender’s Revolving Credit Percentage Share most recently in effect, giving effect to

any subsequent assignments. The initial Revolving Credit Percentage Share of each Revolving Credit Lender is set forth opposite the name

of such Lender on Schedule 2.01 or in the Assignment and Assumption or the Additional Commitment Documentation pursuant to

which such Lender became a party hereto, as applicable.

"Revolving Loan

Floor Amount" means $97,500,000.

“Routine Inquiry”

means any inquiry or request, written or otherwise, formal or informal, made by a competent Governmental Authority with legal authority

to regulate the activities of a Credit Party or any of their respective Affiliates, or otherwise with legal authority or mandate to request

information, made via a form letter or otherwise in connection with (a) the routine transmittal of a consumer complaint, or (b) a

request for information that is routine in nature, is unconnected with any alleged pattern or practice of wrongdoing, or otherwise consists

of a general request for information relating to the activities of a Credit Party or any of their respective Affiliates.

“Secured Parties”

shall have the meaning assigned to such term in any applicable Collateral Document.

“Security Agreement”

means that certain Amended and Restated Security Agreement, dated as of the date hereof, by Borrower, each Subsidiary Guarantor and each

other Guarantor from time to time party thereto, in favor of Administrative Agent for the benefit of the Lenders and Term Loan Administrative

Agent for the benefit of the Term Loan Lenders, as the same may be amended, modified, supplemented, restated, replaced or renewed in writing

from time to time in accordance with the terms hereof and thereof.

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“Security Interest”

has the meaning ascribed thereto in Section 5.18(a).

“Servicing Policy”

means the documented servicing policies and procedures of Borrower and the other Credit Parties and their Affiliates in place as of the

Closing Date and attached hereto as Exhibit 5, as the same may be amended, restated or replaced from time to time in accordance

with Section 7.14(b).

“Single Pay Receivable”

means a Consumer Receivable that, at the time of origination, is payable in a single installment at its maturity.

“Single Pay Title

Receivable” means a secured Consumer Receivable that is payable in a single installment at maturity and which satisfies

the applicable criteria set forth in the Program Summary for a “Title Single Payment Loan”.

“SOFR”

shall mean a rate per annum equal to the secured overnight financing rate as administered by the Federal Reserve Bank of New York (or

a successor administrator of the secured overnight financing rate).

“Solvent”

means, as to any Person at any time, that: (a) the fair value of the property of such Person on a going concern basis is greater

than the amount of such Person’s liabilities (including contingent liabilities), as such value is established and such liabilities

are evaluated for purposes of Section 101(32) of the Bankruptcy Code and, in the alternative, for purposes of the Uniform Fraudulent

Transfer Act or any similar state statute applicable to Borrower or any Subsidiary thereof; (b) the present fair salable value of

the property of such Person is not less than the amount that will be required to pay the probable liability of such Person on its debts

as they become absolute and matured; (c) such Person is able to realize upon its property and pay its debts and other liabilities

(including contingent liabilities) as they mature in the normal course of business; (d) such Person does not intend to, and does

not believe that it will, incur debts or liabilities beyond such Person’s ability to pay as such debts and liabilities mature; and

(e) such Person is not engaged in business or a transaction, and is not about to engage in business or a transaction, for which such

Person’s property would constitute unreasonably small capital.

“Sparrow Acquisition”

means the acquisition by Sparrow Purchaser of the Sparrow Transferred Entities and Sparrow Purchased Assets pursuant to the Sparrow Acquisition

Agreement.

“Sparrow Acquisition

Agreement” means that certain Equity and Asset Purchase Agreement, dated as of May 18, 2022, by and among Sparrow Seller,

Sparrow Purchaser, and (solely for the purposes of Section 11.17 thereof) CCF Intermediate Holdings LLC, together with the schedules,

annexes and exhibits thereto and as amended, restated, supplemented or modified from time to time.

“Sparrow Closing

Date” means the “Closing Date” as defined in the Sparrow Acquisition Agreement.

“Sparrow Loan

Documents” means, collectively, the following:

(a)           (i)

the Term Loan Agreement, dated as of July 8, 2022, by and among Sparrow Purchaser, the guarantors from time to time party thereto,

the lenders from time to time party thereto (the “Sparrow Term Loan Lenders”), and BP Commercial Funding Trust

II, Series SPL-IV, a statutory series of BP Commercial Funding Trust II, a Delaware statutory trust, for itself and for no other

series of BP Commercial Funding Trust II, as administrative agent (the “Sparrow Term Loan Agent”) (as the same

may be amended, restated, amended and restated, supplemented or otherwise modified from time to time, the “Sparrow Term Loan

Agreement”), and (ii) all other “Term Loan Documents” (as defined in the Sparrow Term Loan Agreement (the

Sparrow Term Loan Agreement and such other Sparrow Term Loan Documents are referred to herein collectively as the “Sparrow

Term Loan Documents”);

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(b)           (i) the

Master Loan and Security Agreement, dated as of July 8, 2022, by and among Sparrow 2022 SP SPE, LLC, a Delaware limited liability

company (the “SP SPE Borrower”), the lenders from time to time party thereto (the “SP SPE Lenders”),

and BP Commercial Funding Trust II, Series SPL-V, a statutory series of BP Commercial Funding Trust II, a Delaware statutory trust,

for itself and for no other series of BP Commercial Funding Trust II, as administrative agent (the “SP SPE Agent”)

(as the same may be amended, restated, amended and restated, supplemented or otherwise modified from time to time, the “SP

SPE Loan Agreement”), and (ii) all other “Loan Documents” (as such term is defined in the SP SPE Loan Agreement

(the SP SPE Loan Agreement and such other Loan Documents are referred to herein collectively as the “SP SPE Loan Documents”);

and

Master Loan and Security Agreement, dated as of July 8, 2022, by and among Sparrow 2022 MP SPE, LLC, a Delaware limited liability

company (the “MP SPE Borrower”), the lenders from time to time party thereto (the “MP SPE Lenders”),

and BP Commercial Funding Trust II, Series SPL-VI, a statutory series of BP Commercial Funding Trust II, a Delaware statutory trust,

for itself and for no other series of BP Commercial Funding Trust II, as administrative agent (the “MP SPE Agent”)

(as the same may be amended, restated, amended and restated, supplemented or otherwise modified from time to time, the “MP

SPE Loan Agreement”), and (ii) all other “Loan Documents” (as such term is defined in the MP SPE Loan Agreement

(the MP SPE Loan Agreement and such other Loan Documents are referred to herein collectively as the “MP SPE Loan Documents”).

“Sparrow Purchased

Assets” means the “Purchased Assets” as defined in the Sparrow Acquisition Agreement.

“Sparrow Purchaser”

means Sparrow Purchaser, LLC, a Delaware limited liability company and wholly-owned Subsidiary of CCF Intermediate Holdings LLC.

“Sparrow Seller”

means CURO Intermediate Holdings Corp., a Delaware corporation.

“Sparrow Transactions”

means, collectively, (i) the Sparrow Acquisition, and (ii) the issuance of up to $45,000,000 of CCF Preferred Units in connection

therewith.

“Sparrow Transferred

Entities” means the “Transferred Entities” as defined in the Sparrow Acquisition Agreement.

“Sparrow Transition

Services Agreement” means that certain Transition Services Agreement, dated as of May 18, 2022, by and between Sparrow

Seller and Sparrow Purchaser, as amended, restated, amended and restated, supplemented or otherwise modified from time to time in accordance

with the terms thereof.

“Specified Action”

means any written demand, action, request, claim, inquiry, investigation, interrogatories, requests for information or documents, subpoena,

civil or criminal investigative demand, other legal process, or litigation, arbitration or other similar proceedings with respect to Administrative

Agent and/or any Indemnitee or in which Administrative Agent and/or any Indemnitee has been named a party.

Page 41

“Specified Claims”

means any claim subject to indemnification by a Credit Party under Section 10.04(b) for which Administrative Agent has

notified Borrower and which claim (a) constitutes a Specified Action and (b) has not been reduced to a monetary amount.

“Specified Lender”

means, at any time, any Lender: (a) that has requested compensation under Section 3.04 and has not rescinded such request

within five (5) Business Days of the making thereof; (b) to whom Borrower must pay an additional amount (or on whose behalf

Borrower must pay an additional amount to a Governmental Authority) pursuant to Section 3.01; and, in the case of clause (a) or

(b), such Lender has declined or is unable to designate a different lending office in accordance with Section 3.06; (c) that

gives a notice pursuant to Section 3.02; or (d) that is a Lender that may, but does not, provide its consent to any matter

as to which Required Lenders may give and have given their consent pursuant to Section 10.01.

“Specified Materials”

means, collectively, all materials or information provided by or on behalf of Borrower or any Subsidiary thereof, as well as documents

and other written materials relating to Borrower, the Credit Parties or any of their respective Subsidiaries or Affiliates or any other

materials or matters relating to the Revolving Credit Documents (including any amendments or waivers of the terms thereof or supplements

thereto).

“Standstill Conditions”

means, collectively:

(a)           no

Event of Default exists under Sections 8.01(a), 8.01(b) (with respect to Section 2.05(a), 6.05 as

the same applies to Borrower, 6.10, 6.13, 7.04, 7.05, or 7.11), 8.01(e)-(k), or 8.01 (m-o);

(b)           the

Outstanding Legal Balance of the Class A Loans, less any cash that has been received by Administrative Agent and will be applied

to repay the Outstanding Legal Balance of the Class A Loan on the next Business Day in accordance with this Agreement, does not exceed

forty-five percent (45%) of the Eligible Principal Balance;

Subordination Event exists;

(d)           the

Class A Loans, and only the Class A Loans, are being paid down on a daily basis in accordance with the terms of this Agreement;

(e)           Class B

Agent is not a Defaulting Lender;

(f)            no

Purchase Default has occurred and is existing; and

(g)           no

Event of Default has existed for more than sixty (60) days.

“Subordination

Event” means the occurrence of any of the following: (a) an Event of Default, whether or not waived by the Required

Lenders, (b) any acceleration of the Obligations pursuant to Section 8.2(b) has occurred and is continuing, (c) the

exercise of remedies by the Administrative Agent or the Lenders in accordance with the terms of this Agreement against a material portion

of the Collateral following the occurrence of an Event of Default, (d) a Federal Regulatory Event, (e) a Regulatory Action with

respect to a Credit Party that gives rise to a Material Adverse Effect or a Cease Funding Event pursuant to clause (b) of the definition

thereof, (f) [intentionally deleted], (g) Borrower's failure to cure a Borrowing Base Shortfall or to pay any required Amortization

Period MPA within the time frames specified in this Agreement, or (h) Class B Agent constitutes a Defaulting Lender and thereafter

remains a Defaulting Lender for a period of fifteen (15) days (or such longer period as agreed to by the Administrative Agent in its sole

discretion). For the avoidance of doubt, once commenced, a Subordination Event shall be deemed to be continuing until the Class A

Lender provides written notice to the Class B Lender that such Subordination Event has been waived.

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“Subsidiary”

of a Person means a corporation, partnership, joint venture, limited liability company or other business entity of which a majority of

the shares of securities or other interests having ordinary voting power for the election of directors or other governing body (other

than securities or interests having such power only by reason of the happening of a contingency) are at the time beneficially owned, or

the management of which is otherwise Controlled, directly, or indirectly through one or more intermediaries, or both, by such Person.

Unless otherwise specified, all references herein to a “Subsidiary” or to “Subsidiaries” shall refer

to a Subsidiary or Subsidiaries of Borrower. It is hereby understood and agreed that, on and as of the Closing Date, each of CreditCorp

and each of the Legacy CIC Subsidiaries is a Subsidiary of Borrower.

“Subsidiary Guarantor”

has the meaning ascribed thereto in Section 10.14(a).

“Subsidiary Guarantor

Subordinated Debt” has the meaning ascribed thereto in Section 10.14(i).

“Subsidiary Guarantor

Subordinated Debt Payments” has the meaning ascribed thereto in Section 10.14(i).

“Swap Contract”

means: (a) any and all rate swap transactions, basis swaps, credit derivative transactions, forward rate transactions, commodity

swaps, commodity options, forward commodity contracts, equity or equity index swaps or options, bond or bond price or bond index swaps

or options or forward bond or forward bond price or forward bond index transactions, interest rate options, forward foreign exchange transactions,

cap transactions, floor transactions, collar transactions, currency swap transactions, cross-currency rate swap transactions, currency

options, spot contracts, or any other similar transactions or any combination of any of the foregoing (including any options to enter

into any of the foregoing), whether or not any such transaction is governed by or subject to any master agreement; and (b) any and

all transactions of any kind, and the related confirmations, that are subject to the terms and conditions of, or governed by, any form

of master agreement published by the International Swaps and Derivatives Association, Inc., any International Foreign Exchange Master

Agreement, or any other master agreement including any such obligations or liabilities under any such master agreement (in each case,

together with any related schedules).

“Swap Obligation”

means, with respect to any Guarantor, any obligation to pay or perform under any agreement, contract or transaction that constitutes a

“swap” within the meaning of section 1a(47) of the Commodity Exchange Act.

“Swap Termination

Value” means, in respect of any one or more Swap Contracts, after taking into account the effect of any legally enforceable

netting agreement relating to such Swap Contracts: (a) for any date on or after the date such Swap Contracts have been closed out

and termination value(s) determined in accordance therewith, such termination value(s); and (b) for any date prior to the date

referenced in clause (a) of this definition, the amount(s) determined as the mark-to-market value(s) for such Swap

Contracts, as determined based upon one or more mid-market or other readily available quotations provided by any recognized dealer in

such Swap Contracts.

Page 43

“Synthetic Lease

Obligation” means the monetary obligation of a Person under either: (a) a so-called synthetic, off-balance sheet or

tax retention lease; or (b) an agreement for the use or possession of property creating obligations that do not appear on the balance

sheet of such Person but which, upon the insolvency or bankruptcy of such Person, would be characterized as the indebtedness of such Person

(without regard to accounting treatment).

“Tangible Asset

Coverage Ratio” means, with respect to any Credit Party and any date of determination, subject to Section 1.02(h),

the ratio of (a) the sum of (i) unrestricted Cash and Cash Equivalents (including all Cash and Cash Equivalents in the Deposit

Accounts), plus (ii) the aggregate outstanding balance of all Gross Finance Receivables and accrued fees with respect thereto,

net of allowance for loan losses, plus (iii) all deferred financing fees, plus (iv) other current assets as reflected

on the balance sheet of such Credit Party, and plus (v) for purposes of calculating the Tangible Asset Coverage Ratio for

the Fiscal Quarter ending on September 30, 2023, the amount of cash equity contributions made to CCF Holdings on October 2,

2023; to (b) the aggregate outstanding funded (i.e., non-PIK) principal balance of all Revolving Credit Loans.

“Tangible Net

Worth” shall mean, for any Person at any particular time of determination, all amounts which, in conformity with GAAP, would

be included as owner’s equity on a balance sheet of such Person; but excluding (a) all assets which are properly classified

as intangible assets, and (b) all loans and advances to any Affiliate, member, shareholder, owner, officer, or employee of such person,

in each case, which is not a Credit Party.

“Taxes”

means all present or future taxes, levies, imposts, duties, deductions, withholdings, assessments, fees or other charges imposed by any

Governmental Authority, including any interest, additions to tax or penalties applicable thereto.

“Tax Distributions”

has the meaning ascribed thereto in Section 7.06.

“Term Loan”

means the term loan extended to the Term Loan Borrower by the Term Loan Lender pursuant to the Term Loan Agreement.

“Term Loan Administrative

Agent” means BP Commercial Funding Trust, Series SPL-VII, in its capacity as administrative agent under the Term Loan

Agreement.

“Term Loan Agreement”

means the Amended and Restated Term Loan Agreement, dated as of the date hereof, by and among the Term Loan Borrower, the Term

Loan Subsidiary Guarantors, the Term Loan Administrative Agent and the Term Loan Lender, as amended, restated, modified or supplemented

from time to time in accordance with the terms thereof and with the consent of Administrative Agent and Class B Agent.

“Term Loan Borrower”

means Borrower, in its capacity as Borrower under the Term Loan Agreement.

“Term Loan Documents”

means the Term Loan Agreement and each other “Loan Document” (as defined in the Term Loan Agreement).

Page 44

“Term Loan Lender”

means BP Commercial Funding Trust, Series SPL-VII, in its capacity as lender under the Term Loan Agreement.

“Term Loan Subsidiary

Guarantor” means each Subsidiary of the Term Loan Borrower as a guarantor under the Term Loan Agreement.

“Term Loan Obligations”

means all “Obligations” (as defined in the Term Loan Agreement) of the Term Loan Parties under the Term Loan Documents.

“Term Loan Parties”

means, collectively, Term Loan Borrower and all Term Loan Subsidiary Guarantors.

“Term SOFR”

means, for each Interest Period, the one (1) month term SOFR as announced and published by CME Group Benchmark Administration Limited

(“CBA”), on the website of the CBA, currently at https://www.cmegroup.com/market-data/cme-group-benchmark-administration/term-sofr.html,

or in any widely circulated and publicly available source designated and approved by Administrative Agent, on the date that is two (2) U.S.

Government Securities Business Days prior to the first day of such Interest Period (the “Determination Date”);

provided, however, that if as of 5:00 p.m. (New York, New York, time) on any Determination Date the Term SOFR has not been published

by the CBA and a Benchmark Replacement Date with respect to Term SOFR has not occurred, then Term SOFR will be the Term SOFR as published

by the CBA on the first preceding U.S. Government Securities Business Day for which such Term SOFR was published by CBA so long as such

first preceding U.S. Government Securities Business Day is not more than three (3) U.S. Government Securities Business Day prior

to such Determination Date.

“Threshold Amount”

means $500,000.

“TMX Acquisition”

means the purchase and acquisition by Trident Purchaser, directly or indirectly, of all TMX Finance LLC and its Subsidiaries pursuant

to the TMX Acquisition Agreement and documents executed and delivered in connection therewith.

“TMX Acquisition

Agreement” means that certain Equity Purchase Agreement, dated as of July 17, 2023, by and among TMX Finance LLC, a

Delaware limited liability company, TMX Finance Holdings Inc., a Delaware corporation, Project Trident Purchaser, LLC, a Delaware limited

liability company (“Trident Purchaser”), Project Trident Buyer, Inc., a Delaware corporation (together

with Trident Purchaser, “Purchaser”), as the same may be amended, modified and/or supplemented from time to

time in accordance with the terms hereof and thereof.

“TMX Closing Date”

means October 2, 2023.

“TMX Financing

Documents” means:

(a)            (i) that

certain Master Loan and Security Agreement, dated as of February 10, 2023, by and among TMX MP SPE, LLC, a Delaware limited liability

company, the lenders from time to time party thereto, and BP Commercial Funding Trust II, Series SPL-XVI, a statutory series of BP

Commercial Funding Trust II, a Delaware statutory trust, for itself and for no other series of BP Commercial Funding Trust II, as administrative

agent, and (ii) all related loan documents, in each case with respect to clauses (i) and (ii) immediately above, as the

same may be amended, restated, supplemented or otherwise modified or refinanced or replaced from time to time;

Page 45

(b)            (i)

that certain Credit Agreement, dated as February 17, 2023, by and among TMX Finance, LLC, a Delaware limited liability company, the

lenders from time to time party thereto, BP Commercial Funding Trust II, Series SPL-XIV, a statutory series of BP Commercial Funding

Trust II, a Delaware statutory trust, for itself and for no other series of BP Commercial Funding Trust II, in its capacity as administrative

agent, and (ii) all related loan documents, in each case with respect to clauses (i) and (ii) immediately above, as the

same may be amended, restated, supplemented or otherwise modified or refinanced or replaced from time to time;

that certain Term Loan Agreement, dated as of October 2, 2023, by and among Project Trident Purchaser, LLC, a Delaware limited company,

the lenders from time to time party thereto, BP Commercial Funding Trust II, Series SPL-XIV, a statutory series of BP Commercial

Funding Trust II, a Delaware statutory trust, for itself and for no other series of BP Commercial Funding Trust II, in its capacity as

administrative agent, and (ii) all related loan documents, in each case with respect to clauses (i) and (ii) immediately

above, as the same may be amended, restated, supplemented or otherwise modified or refinanced or replaced from time to time; and

(d)            (i) that

certain Credit Agreement, dated as of December 26, 2018, by and among the TMX Finance and Titlemax Finance Corporation, as borrowers,

TMX Finance Holdings, Inc., Cortland Capital Market Services LLC as disbursing agent and collateral agent, the lenders party thereto

from time to time and the other parties thereto (as amended, restated, amended and restated, supplemented or otherwise modified from time

to time) and (ii) all related loan documents, in each case with respect to clauses (i) and (ii) immediately above, as the

same may be amended, restated, supplemented or otherwise modified or refinanced or replaced from time to time.

“TMX Legacy Subsidiaries”

means those Persons identified on Schedule C under the heading “TMX Legacy Subsidiaries.”

“Transaction Termination

Collateral Package Event” means the grant by any Credit Parties to Administrative Agent of a perfected, first-priority security

interest in a cash reserve amount acceptable to Administrative Agent in its Permitted Discretion, which cash reserve amount will secure

a Specified Claim and be held in a Deposit Account of such Credit Party (as applicable) subject to an Account Control Agreement (fully

blocked) in favor of Administrative Agent, and all of the foregoing pursuant to documentation, and in form and substance, acceptable to

Administrative Agent in its Permitted Discretion.

“Transactions”

means (a) the execution, delivery and performance by each CCF Party of each Revolving Credit Document to which it is a party, (b) the

borrowing of the Revolving Credit Loans, and (c) the use of the proceeds of the Revolving Credit Loans.

“U.S. Government

Securities Business Day” shall mean any day except for (a) a Saturday, (b) a Sunday or (c) a day on which

the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the

entire day for purposes of trading in United States government securities.

“UCC”

means the Uniform Commercial Code as in effect in any applicable jurisdiction.

“Underwriting

Guidelines” means the underwriting guidelines of Borrower and the other Credit Parties and their Affiliates in place as

of the Closing Date and attached hereto as Exhibit 4, as the same may be amended, restated or replaced from time to time in

accordance with Section 7.14(b).

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“United States”

and “U.S.” mean the United States of America.

“Withholding Agent”

means any Credit Party and Administrative Agent.

“Withdrawal Liability”

means liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such Multiemployer Plan, as such terms are

defined in Part I of Subtitle E of Title IV of ERISA.

“Yield Maintenance

Fee” means, with respect to a voluntary prepayment of any Revolving Credit Loans, an amount equal to three percent (3.0%)

of the amount of any such voluntary prepayment, in each case, as determined as of the date of such prepayment; provided, however,

that no Yield Maintenance Fee shall be payable with respect to any prepayment or repayment of the Revolving Credit Loans so long as following

such prepayment or repayment, the aggregate outstanding principal amount of the Revolving Credit Loans is equal to or greater than the

Revolving Loan Floor Amount. In addition, the Yield Maintenance Fee shall be $0.00 upon any repayment of the Revolving Credit Loans in

connection with a Monetizing Event.

Administrative Agent’s calculation of the

Yield Maintenance Fee shall be conclusive and binding for all purposes, absent manifest error.

“Zero Balance

Account” means each deposit account maintained by a Credit Party that is used to receive Collections; provided that

all Net Collections received in such account are swept on a daily basis to a Concentration Account in accordance with the Flow of Funds;

provided, further, that the applicable Credit Party has delivered a fully executed, original Power of Attorney to Administrative

Agent.

SECTION 1.02                    CERTAIN RULES OF CONSTRUCTION.

(a)            General

Rules.

(i)            Unless

the context otherwise clearly requires, the meaning of a defined term is applicable equally to the singular and plural forms thereof.

(ii)           The

words “hereof,” “herein,” “hereunder” and similar words

refer to this Agreement as a whole and not to any particular provision of this Agreement.

(iii)          The

word “documents” includes instruments, documents, agreements, certificates, indentures, notices and other writings,

however evidenced.

(iv)          The

words “include” and “including” are not limiting and the word “or” is

not exclusive.

(v)           In

the computation of periods of time from a specified date to a later specified date, the word “from” means “from

and including”; the words “to” and “until” each mean “to

but excluding” and the word “through” means “to and including.”

(vi)          Unless

the context otherwise clearly requires, the words “property,” “properties,” “asset”

and “assets” refer to both personal property (whether tangible or intangible) and real property.

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(vii)         Unless

the context otherwise clearly requires: (A) Article, Section, subsection, clause, Schedule and Exhibit references are to this

Agreement; (B) references to documents (including this Agreement) shall be deemed to include all subsequent amendments and other

modifications thereto, but only to the extent such amendments and other modifications are not prohibited by the terms of any Revolving

Credit Document; (C) references to any statute or regulation are to be construed as including all statutory and regulatory provisions

consolidating, amending, replacing, supplementing or interpreting the statute or regulation; and (D) references to any Person shall

be deemed to include such Person’s successors and assigns.

(b)            Time

and Fiscal Year References. Unless the context otherwise clearly requires: (i) all references herein to times of day shall be

references to Eastern time (daylight or standard, as applicable); and (ii) all references herein to “fiscal year”

refer to the fiscal year of Borrower.

The captions and headings of this Agreement are for convenience of reference only and shall not affect the interpretation of this

Agreement.

(d)            Cumulative

Nature of Certain Provisions. This Agreement and the other Revolving Credit Documents may use several different limitations, tests

or measurements to regulate the same or similar matters. All such limitations, tests and measurements are cumulative and shall be performed

in accordance with their respective terms.

(e)            No

Construction Against Any Party. This Agreement and the other Revolving Credit Documents are the result of negotiations among, and

have been reviewed by counsel to, the CCF Parties, Administrative Agent and Lenders and are the products of all parties. Accordingly,

they shall not be construed against Administrative Agent or any Lender merely because of the involvement of any or all of the preceding

Persons in their preparation.

(f)             GAAP.

Unless the context otherwise clearly requires, all accounting terms not expressly defined herein shall be construed, and all financial

computations required under this Agreement shall be made, in accordance with GAAP. If at any time any change in GAAP would affect the

computation of any financial ratio or requirement set forth in any Revolving Credit Document, and either Borrower or Required Lenders

shall so request, Administrative Agent, Lenders and Borrower shall negotiate in good faith to amend such ratio or requirement to preserve

the original intent thereof in light of such change in GAAP (subject to the approval of Required Lenders); provided that, until

so amended: (i) such ratio or requirement shall continue to be computed in accordance with GAAP prior to such change therein; and

(ii) Borrower shall provide to Administrative Agent and Lenders financial statements and other documents required under this Agreement

or as reasonably requested hereunder setting forth a reconciliation between calculations of such ratio or requirement made before and

after giving effect to such change in GAAP. Notwithstanding anything to the contrary herein, any obligation that is required to be accounted

for as a financing or capital lease on both the balance sheet and the income statement for financing reporting purposes in accordance

with GAAP shall be construed in accordance with GAAP prior to giving effect to the adoption of ASU No. 2016-02 “Leases (Topic

842)” and ASU No. 2018-11 “Leases (Topic 842)”

(g)            Rounding.

Any financial ratios required to be maintained by the Credit Parties, their Affiliates or any of them pursuant to the Revolving Credit

Documents shall be calculated by dividing the appropriate component by the other component, carrying the result to one place more than

the number of places by which such ratio is expressed herein and rounding the result up or down to the nearest number using the common

– or symmetric arithmetic – method of rounding (in other words, rounding-up if there is no nearest number).

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(h)            Computations

of Certain Financial Covenants. For purposes of computing the financial covenants set forth in Section 6.12 that measure

results from the previous twelve (12) months as of any date, the previous Fiscal Period or the previous monthly period, as applicable,

as of any date, all components of such financial tests shall include or exclude, as the case may be, for the period consisting of the

four Fiscal Periods, the Fiscal Period or the calendar month, as applicable, in each case, ending on such date all financial results (without

duplication of amounts) attributable to any business or assets the subject of any Acquisition or Disposition by Borrower or any Subsidiary

thereof effected during such period, as determined in good faith by Borrower on a pro forma basis for such period as if such Acquisition

or Disposition had occurred (and any Debt incurred or repaid in connection therewith had been incurred and repaid, as the case may be)

on (in the case of any balance sheet item) the last day of such period or on (in the case of any other item) the first day of such period

(including cost savings reasonably projected by Borrower that would have been realized had such Acquisition occurred on such day and which

inclusion when not otherwise permitted under GAAP has been approved by Administrative Agent and Class B Agent).

(i)             Documents

Executed by Responsible Officers. Any document delivered hereunder that is signed by a Responsible Officer of a CCF Party shall be

conclusively presumed to have been authorized by all necessary corporate or other organizational action on the part of such CCF Party

and such Responsible Officer shall be conclusively presumed to have acted on behalf of such CCF Party.

(j)             Determination

by Administrative Agent. Except as otherwise explicitly set forth herein, to the extent any provision of this Agreement is subject

to conditions of materiality, reasonableness or adverse effect, the determination of such materiality, reasonableness or adverse effect

shall be made by Administrative Agent exercising its Permitted Discretion.

Article 2

TERMS OF REVOLVING CREDIT LOANS

SECTION 2.01                    REVOLVING

CREDIT LOANS.

Subject to the terms and conditions set forth herein:

(a)            Revolving

Credit Loans. Each Revolving Credit Lender severally agrees to make loans (each such loan, a “Revolving Credit Loan”)

to Borrower, on the Closing Date and thereafter from time to time not more frequently than one (1) time per week on the Remittance

Date during the Draw Period, in an aggregate outstanding principal amount not to exceed at any time such Lender’s Revolving Credit

Commitment, provided that, after giving effect to any Borrowing:

(i)            the

aggregate outstanding principal balance of all Revolving Credit Loans shall not exceed the Aggregate Commitments;

(ii)           the

aggregate outstanding principal balance of all Revolving Credit Loans shall not exceed the Borrowing Base; and

(iii)          the

aggregate outstanding principal balance of the Revolving Credit Loans of any Revolving Credit Lender shall not exceed such Lender’s

Revolving Credit Commitment.

Within the limits of each Revolving Credit Lender’s

Revolving Credit Commitment, and subject to the other terms and conditions hereof, Borrower may reborrow under this Section 2.01

amounts that have been repaid pursuant to Section 2.09; provided, however, that, for the avoidance of doubt,

Borrower shall not have any right to reborrow all or any portion of any Revolving Credit Loans which are prepaid pursuant to Section 2.05(b).

For the avoidance of doubt, no Lender will make a Revolving Credit Loan to Borrower following the occurrence and during the continuance

of an Event of Default, a Cease Funding Event, a Cease Funding Event (Defaulting Lender), a Backup Servicing Trigger Event, the Draw Period

Termination Date or after the end of the Draw Period, unless such Lender agrees to advance such Revolving Credit Loans in its Permitted

Discretion.

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(b)            Extension

of Draw Period. Borrower may, by written request to Administrative Agent (delivered no later than six (6) months prior (twelve

(12) months for any request delivered after September 2024) to the date set forth in clause (b) of the definition of “Draw

Period Termination Date”, request that the Lenders extend the date set forth in clause (a) of the definition of “Draw

Period Termination Date” set forth in Section 1.01 by an additional one (1) year period; provided, however,

that such extension request may be granted or rejected by all of the Lenders in each Lender’s sole and absolute discretion, for

any reason, or for no reason.

Loans and Class B Loans. Each Revolving Credit Loan made hereunder shall be designated as a “Class A Loan”

or a “Class B Loan” by the Administrative Agent as follows:

(i) Each Revolving Credit Loan shall

be funded pro-rata based on the Aggregate Commitments from: (a) first, Class A Funding Amount (without giving effect to any

Borrowing Base Shortfall), (b) second, the available Borrowing Base for Class B Loans;

(ii) a portion of such Revolving

Credit Loan shall be designated as a “Class A Loan” such that, following the extension of such Revolving Credit Loan,

the aggregate amount of all Class A Loans shall not exceed the lesser of (A) an amount equal to 50% of the Class A Funding

Amount (as defined below), and (B) the Class A Revolving Credit Commitment Amount; and

(iii) the remaining amount of such

Revolving Credit Loan shall be designated as a “Class B Loan.”

As used herein, the “Class A

Funding Amount” means, as of any date of determination, the Borrowing Base calculated with the following adjustments:

(1)            in

the case of clause (A) in the definition thereof, using 90% in lieu of 95%, as applicable, in respect of the Eligible Principal Balance;

(2)            in

the case of clause (C) in the definition thereof, using 60% in lieu of 90%, 85% and 80%, as applicable, in respect of Aggregate Cash-in

Store;

(3)            in

the case of clause (E) in the definition thereof, using 60% in lieu of 90%, 85% and 80%, as applicable, in respect of Aggregate Deposits-in-Transit,

and

(4)            without

giving effect to the amount of the Borrowing Base in respect of any Aggregate Cash-in-Transit, Aggregate Cash on Deposit, Aggregate Approved

Deposit Funding Account Cash and, without duplication of the foregoing, any amounts in any Deposit Account that are not subject to an

Account Control Agreement.

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(d)            Revolving

Credit Loans Generally. Each Revolving Credit Loan shall be made by the Lenders in accordance with their applicable Revolving Credit

Commitments, provided, however, that (i) Revolving Credit Loans may be made by the Lenders on a non-pro rata

basis at the election of the Administrative Agent in its sole discretion, and at the time of each advance the Administrative Agent will

notify the Borrower and the Lenders whether such advance is deemed made as a Class A Loan or a Class B Loan; and (ii) the

failure of any Lender to make any Revolving Credit Loan shall not in itself relieve any other Lender of its obligation to lend hereunder

(it being understood, however, that no Lender shall be responsible for the failure of any other Lender to make any Revolving Credit Loan

required to be made by such other Lender).

(e)            Unused

Fee. On the fifth (5th) Business Day following each calendar quarter after the Closing Date, Borrower agrees to pay to

Administrative Agent, for the benefit of Class A Lenders, a fully-earned, non-refundable unused fee in an amount equal to 1/4th

of (i) the average daily difference for the preceding quarter between (i) the aggregate Revolving Credit Commitment held by

Class A Lenders, and (ii) the aggregate Outstanding Legal Balance of the Class A Loans, multiplied by 0.50%.

SECTION 2.02                    PROCEDURES

FOR BORROWING.

(a)            Notices

of Borrowing. Each Borrowing shall be made upon Borrower’s irrevocable notice to Administrative Agent issued not more frequently

than two (2) times per week, which may, subject to the provisions of Section 10.02(b) and Section 10.02(d),

be given by approved electronic communication. Each such Notice of Borrowing must be received by Administrative Agent not later than 11:00

a.m. two (2) Business Days prior to the related Funding Date (other than the initial funding hereunder) and shall be accompanied

by a Borrowing Base Certificate evidencing sufficient availability. Notwithstanding anything to the contrary contained herein, but subject

to the provisions of Section 10.02(b) and Section 10.02(d), any electronic communication by Borrower pursuant

to this Section 2.02(a) may be given by an individual who has been authorized in writing to do so by an appropriate Responsible

Officer of Borrower. Each such electronic communication (other than by e-mail) must be confirmed promptly by delivery to Administrative

Agent of a written Notice of Borrowing, appropriately completed and signed by an appropriate Responsible Officer of Borrower.

(b)            Amount

of Borrowing. Each Borrowing shall be in a principal amount of $1,000,000.00 or a whole multiple of $250,000.00 in excess thereof.

of Borrowing Generally. Each Notice of Borrowing shall be in the form of Exhibit D, and shall specify with respect

to the requested Borrowing: (i) the requested Funding Date of such Borrowing, which shall be a Business Day; and (ii) the principal

amount of the Revolving Credit Loans to be borrowed.

(d)            Procedures

Concerning the Making of Revolving Credit Loans. Following receipt of a Notice of Borrowing in accordance with Section 2.02(a),

Administrative Agent shall promptly notify each applicable Lender of the amount of its applicable Percentage Share of the requested Borrowings.

Each Lender shall make the amount of its applicable Revolving Credit Loan available to Administrative Agent in immediately available funds

at Administrative Agent’s Office not later than 1:00 p.m. on the related Funding Date. Upon satisfaction of the applicable

conditions set forth in Section 4.02 (and, if such Borrowing is the initial Borrowing, Section 4.01), Administrative

Agent shall remit, or cause to be remitted, all funds so received to the Borrower Funding Account. Amounts on deposit in the Borrower

Funding Account may be withdrawn by Borrower at any time to fund the origination of Consumer Receivables.

SECTION 2.03                    [Intentionally

Omitted].

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SECTION 2.04                    [Intentionally

Omitted].

SECTION 2.05                    BORROWING

BASE SHORTFALL; PAYMENTS AND PREPAYMENTS.

(a)            Borrowing

Base Shortfall. If, as of any date of determination, a Borrowing Base Shortfall exists, then on the next Business Day, Borrower shall

deposit or cause to be deposited Cash into an Eligible Account held by Administrative Agent established and existing in accordance with

Section 6.13 to repay a principal amount of the Revolving Credit Loans in an amount necessary to eliminate the Borrowing Base

Shortfall, without the necessity of any notice or demand, on the Remittance Date.

(b)            Voluntary

Prepayments. Except as set forth below, Borrower is not permitted to voluntarily prepay the Revolving Credit Loans, in-whole or in-part,

prior to August 30, 2025; provided, however that Borrower may, at any time, repay the Revolving Credit Loans (A) solely

from amounts released to the Borrower pursuant to Section 2.09(b)(x) so long as, following such repayment, the aggregate

outstanding principal amount of the Revolving Credit Loans will not be less than the Revolving Loan Floor Amount or (B) in connection

with a Monetizing Event so long as the credit facility contemplated by this Revolving Credit Agreement is not replaced. On or after August 30,

2025, Borrower may voluntarily prepay the Revolving Credit Loans in-whole (but not in-part) and terminate the Aggregate Commitments upon

five (5) Business Days' written notice to Administrative Agent. If Borrower gives such notice, then Borrower’s prepayment obligation

shall be irrevocable, and Borrower shall make such prepayment and terminate the Aggregate Commitments on the date specified therein. Each

such prepayment shall be applied to the Revolving Credit Loans of the Revolving Credit Lenders in accordance with their respective Revolving

Credit Percentage Shares. Notwithstanding the foregoing, in the event Borrower prepays the Revolving Credit Loans in violation of the

first sentence of this subsection (b), Borrower shall pay to Administrative Agent, for the ratable benefit of the Lenders, the Yield Maintenance

Fee. For the avoidance of doubt, mandatory pre-payments made pursuant to Section 2.05(a), principal payments made out of Collections

in accordance with Section 2.09 and any other repayment of principal required pursuant to any Revolving Credit Document on

a Remittance Date shall not constitute voluntary prepayments for purposes of this Section 2.05(b).

SECTION 2.06                    [RESERVED]

SECTION 2.07                    FINAL

REPAYMENT

All Obligations, including,

without limitation, the aggregate Outstanding Legal Balance of all Revolving Credit Loans shall be due and payable in full on the Maturity

Date.

SECTION 2.08                    INTEREST.

(a)            Interest

Generally. Subject to the provisions of subsection Section 2.08(b):

(i)            the

Outstanding Legal Balance of all Class B Loans shall bear interest at a per annum rate equal to fifteen percent (15%); provided,

that, in the event of a successful bona-fide initial public offering of CCF Holdings or any of its Subsidiaries, the interest rate on

the Class B Loans shall be reduced to twelve percent (12%) per annum); provided further, that, notwithstanding anything to

the contrary set forth herein, any such interest accrued on the Class B Loans up to $96,153.85 on any Remittance Date shall be paid

partially as Class B PIK Interest and the remainder as cash; provided further still, that the cumulative aggregate amount

of Class B PIK Interest shall not exceed $5,000,000. All Revolving Loan PIK Interest shall automatically be added to the principal

amount of the Class B Loans on each Remittance Date and shall thereafter constitute principal of the Class B Loans for all purposes

of this Agreement (including the accrual of interest); and

Page 52

(ii)           the

Outstanding Legal Balance of all Class A Loans shall bear interest at the Class A Rate. Each determination by Administrative

Agent of the interest rate under this Agreement shall be conclusive and binding upon Borrower in all respects absent manifest error and

may be computed using any reasonable averaging and attribution method. In connection with the use or administration of Term SOFR, Administrative

Agent will have the right to make Benchmark Conforming Changes from time to time and, notwithstanding anything to the contrary herein

or in any other Revolving Credit Document, any amendments implementing such Benchmark Conforming Changes will become effective without

any further action or consent of Borrower or any other party to the Revolving Credit Documents.

(iii)          all

interest on the Revolving Credit Loans shall accrue from the date of disbursement through the date of repayment in accordance with the

terms of this Agreement, calculated on the basis of a year of 360 days and actual days elapsed.

(b)            Default

Rate. Upon the occurrence of an Event of Default (unless waived by each applicable Lender), the Outstanding Legal Balance of all Revolving

Credit Loans shall bear interest at the Default Rate without further action on the part of Administrative Agent. Accrued and unpaid interest

on past due amounts (including interest on past due interest) shall be due and payable upon demand.

Dates; Accrual of Interest. Interest on each Revolving Credit Loan shall be due and payable in arrears on each Remittance Date, on

the Maturity Date and at such other times as may be specified herein. Interest hereunder shall be due and payable in accordance with the

terms hereof both before and after judgment, and both before and after the commencement of any proceeding under any Bankruptcy Law.

(d)            Inability

to Determine Rate. Unless and until a Benchmark Replacement is implemented in accordance with Section 2.08(e) below,

if (a) Administrative Agent determines (which determination shall be conclusive and binding on Borrower) that Term SOFR cannot be

determined pursuant to the definition thereof, or (b) Class A Lenders determine that for any reason Term SOFR does not adequately

and fairly reflect the cost to such Lenders of funding the Class A Loans, Administrative Agent will promptly so notify the Borrower

and each Class A Lender. Upon receipt of such notice, the Class A Rate shall be the Base Rate plus the Applicable Margin.

(e)            Benchmark

Transition Event.

(i)            Notwithstanding

anything to the contrary herein or in any other Revolving Credit Document, upon the occurrence of a Benchmark Transition Event, the Benchmark

Replacement will replace the then-current Benchmark for all purposes hereunder and under any Revolving Credit Document. Such replacement

shall become effective at 5:00 p.m. (New York, New York time) on the fifth (5th) Business Day after the date notice of

such Benchmark Replacement is provided to Borrower without any amendment to, or further action or consent of Borrower, or any other party

to, this Agreement or any other Revolving Credit Document.

(ii)           In

connection with the implementation and administration of Term SOFR or a Benchmark Replacement, Administrative Agent will have the right

to make Benchmark Conforming Changes from time to time and, notwithstanding anything to the contrary herein or in any other Revolving

Credit Document, any amendments implementing such Benchmark Conforming Changes will become effective without any further action or consent

of Borrower or any other party to this Agreement or any other Revolving Credit Document.

Page 53

(iii)          Administrative

Agent will promptly notify Borrower of (i) the implementation of any Benchmark Replacement, and (ii) the effectiveness of any

Benchmark Conforming Changes. Any determination, decision or election that may be made by Administrative Agent pursuant to this Section,

including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence of an event, circumstance

or date and any decision to take or refrain from taking any action, will be conclusive and binding absent manifest error and may be made

in its sole discretion and without consent from Borrower or any other party hereto or to any other Revolving Credit Document, except,

in each case, as expressly required pursuant to this Section 2.08(e).

(iv)          Notwithstanding

anything to the contrary herein or in any other Revolving Credit Document, at any time, if a relevant setting of the then-current Benchmark

is temporarily unavailable due to a systemic market disruption not falling within the scope of subsection (i) above, as determined

by Administrative Agent in its reasonable discretion, then Administrative Agent may utilize the last available setting of the then-current

Benchmark until such time as the source and/or publisher of the then-current Benchmark resumes timely publication of such Benchmark’s

settings.

(f)             Illegality.

If any Class A Lender determines (which determination shall be conclusive and binding absent manifest error) that any applicable

law has made it unlawful, or that any Governmental Authority has asserted that it is unlawful, it would create safety and soundness risks,

or it would not be consistent with sound banking practices, for any Class A Lender or its applicable lending office to make, maintain

or fund Borrowings whose interest is determined by reference to Term SOFR, or to determine or charge interest rates based upon Term SOFR

then, upon notice thereof by such Class A Lender to Borrower (through Administrative Agent), the Class A Rate shall be the Base

Rate plus the Applicable Margin, in each case until such Class A Lender notifies Administrative Agent and Borrower that the circumstances

giving rise to such determination no longer exist.

SECTION 2.09                    APPLICATION

OF FUNDS.

(a)            Daily

Remittances from Concentration Accounts. On each Business Day, so long as no Default, Event of Default, Borrowing Base Shortfall or

Cease Funding Event has occurred and is continuing, Borrower shall direct each Concentration Account Bank, as applicable, to distribute

Borrower's Available Funds for such Business Day on deposit in such Concentration Account in the following order of priority: (A) First,

to or at the direction of Borrower, to pay all operating expenses of Borrower and its Subsidiaries and dividends to a Parent Entity to

the extent permitted pursuant to the terms of this Agreement; (B) Second, with respect to each Concentration Account other

than the Concentration Account (Master), to the Concentration Account (Master), the amount, if any, sufficient to ensure that the amount

on deposit in the Concentration Account (Master) is equal to, or greater than, an amount equal to the sum of the Daily Lender Allocation

Amounts accrued since the prior Remittance Date, and (C) Third, all remaining amounts to the Borrower Funding Account. Amounts

on deposit in the Concentration Account (Master) in excess of Borrower's Available Funds transferred to the Borrower Funding Account pursuant

to the preceding sentence shall be retained in the Concentration Account for distribution on each weekly Remittance Date in accordance

with Section 2.09(b). Amounts on deposit in the Borrower Funding Account may be used by Borrower to fund additional Consumer

Receivables and may be used to make voluntary payments on the Revolving Loans permitted by Section 2.05.

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(b)            Weekly

Distributions from Concentration Account (Master). On each Remittance Date and on the Maturity Date, Borrower shall direct the Concentration

Account Bank (Master) to distribute all amounts on deposit in the Concentration Account (Master) in the following order of priority:

(i)            First,

on a pari passu basis, (A) to each Concentration Account Bank, the fees, reimbursable expenses and indemnification amounts

of such Concentration Account Bank accrued and unpaid as of the last day of the related Collection Period, (B) to the Borrower Funding

Account Bank, the fees, reimbursable expenses and indemnification amounts of the Borrower Funding Account Bank accrued and unpaid as of

the last day of the related Collection Period, and (C) to Administrative Agent's custodian, if any, the fees, reimbursable expenses

and indemnification amounts of such custodian accrued and unpaid as of the last day of the related Collection Period;

(ii)           Second,

to the Backup Servicing Agent, the fees, reimbursable expenses and indemnification amounts of the Backup Servicing Agent (including the

fees and expenses, if any, owed to the Backup Servicing Agent in its capacity as sub-servicer or successor servicer, as applicable) pursuant

to the Backup Servicing Agreement accrued and unpaid as of the last day of the related Collection Period;

(iii)          Third,

to pay all costs and expenses incident to the enforcement of the Revolving Credit Documents or otherwise owing to Administrative Agent

hereunder when due, including all attorneys’ fees and costs and all compensation to any agents, sub-agents and contractors of Administrative

Agent and Lenders (pro-rata based on their then respective Outstanding Legal Balances (including any such amounts that were previously

due but unpaid));

(iv)          Fourth,

to Administrative Agent, for further distribution to the Class A Lenders and Class B Lenders in accordance with Section 2.09(c),

to pay all accrued but unpaid interest (and Yield Maintenance Fees, if any) on the Class A Loans and Class B Loans since the

preceding Remittance Date and then due and payable (including any interest accrued as of any prior Remittance Date and not yet paid);

(v)           Fifth,

to Administrative Agent, for further distribution to the Class A Lenders and Class B Lenders in accordance with Section 2.09(c),

the amount necessary to cure any Borrowing Base Shortfall;

(vi)          Sixth,

with respect to any Remittance Date occurring during the Amortization Period, so long as no Event of Default has occurred and is continuing,

to Administrative Agent, for further distribution to the Class A Lenders and Class B Lenders in accordance with Section 2.09(c),

the Amortization Period MPA;

(vii)         Seventh,

with respect to any Remittance Date occurring following the occurrence and during the continuance of an Event of Default, to Administrative

Agent, for further distribution to the Class A Lenders and Class B Lenders in accordance with Section 2.09(c), all

remaining amounts until the Outstanding Legal Balances of the Class A Loans and Class B Loans have been reduced to zero;

(viii)        Eighth,

to Administrative Agent, for further distribution in accordance with Section 2.09(c), to pay all other Obligations when due;

(ix)          Ninth,

to the Term Loan Agent, to pay all accrued but unpaid interest on the Term Loans since the preceding Remittance Date and then due

and payable, and with respect to any Remittance Date occurring following the occurrence and during the continuance of an Event of Default,

to Term Loan Agent, all remaining amounts until the Outstanding Legal Balances of the Term Loan has been reduced to zero; and

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(x)           Tenth,

the remainder, if any, to the Borrower Funding Account.

of Payments Among Lenders.

(i)            At

all times during the Draw Period, so long as no Subordination Event has occurred and is continuing, all amounts payable to the Class A

Lenders and the Class B Lenders pursuant to clauses (iv) through (ix) of Section 2.09(b) (the

“Lender Distribution Clauses”) shall be applied by Administrative Agent in the same priority set forth in Section 2.09(b)(iv) through

(ix) and allocated among the Class A Lender and the Class B Lender on a pro rata basis within each level

of priority.

(ii)           At

all times during the Amortization Period, so long as no Subordination Event has occurred and is continuing, all amounts payable to the

Class A Lenders and the Class B Lenders pursuant to the Lender Distribution Clauses shall be applied by the Administrative Agent

as follows: (A) first, to the Lenders holding Class A Loans and the Lenders holding Class B Loans, pro rata,

to pay all accrued but unpaid interest (and Yield Maintenance Fees, if any) on the Class A Loans and the Class B Loans since

the preceding Remittance Date, together with any interest accrued thereon; (B) second, to the Lenders holding Class A

Loans (pro rata based on their then respective Outstanding Legal Balances) all remaining amounts until the Outstanding Legal Balance of

the Class A Loans has been reduced to zero; and (C) third, to the Lenders holding Class B Loans (pro rata based

on their then respective Outstanding Legal Balances) all remaining amounts until the Outstanding Legal Balance of the Class B Loans

has been reduced to zero.

(iii)          At

all times following the occurrence and during the continuance of a Subordination Event, all amounts payable to the Class A Lenders

and the Class B Lenders pursuant to the Lender Distribution Clauses shall be applied by the Administrative Agent as follows: (A) first,

to the Lenders holding Class A Loans (pro rata based on their then respective Outstanding Legal Balances) all remaining amounts until

the Outstanding Legal Balance of the Class A Loans has been reduced to zero; and (B) second, to the Lenders holding Class B

Loans (pro rata based on their then respective Outstanding Legal Balances) all remaining amounts until the Outstanding Legal Balance of

the Class B Loans has been reduced to zero.

(iv)          The

priority of payments set forth in clauses (ii) and (iii) above constitute a subordination agreement by the Class B Lender

in favor of the Class A Lender of the Obligations owed to the Class B Lender under this Agreement (the “Class B

Subordinated Debt”) to the Obligations owed to the Class A Lender under this Agreement (the “Class A

Senior Debt”) and shall be subject to the provisions set forth in Section 10.22.

(v)           In

addition to and not in limitation of each Lender’s obligations pursuant to Section 2.13, if any Class B Lender

shall receive any amount that should have been delivered instead to the Class A Lenders in accordance with the waterfall set forth

above in this Section 2.09 (each, a “Mistaken Payment”), then such Lender receiving the Mistaken

Payment shall promptly deliver the same to the Administrative Agent for further delivery to the correct recipient(s) in the form

received (except for endorsement or assignment where required by the payee), and, until so delivered, the same shall be held in trust

for the correct recipient.

(vi)          The

allocations and other provisions set forth in this Section 2.09(c) are solely to determine the rights and priorities

of Administrative Agent and the Lenders as among themselves and may be changed by Administrative Agent and the Lenders without notice

to or the consent or approval of Borrower or any other Person.

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SECTION 2.10                    COMPUTATIONS

OF INTEREST AND FEES.

All computations of interest

and fees hereunder shall be made on the basis of a year of 360 days and actual days elapsed. Interest shall accrue on each Revolving Credit

Loan for the day on which the Revolving Credit Loan is made, and shall not accrue on a Revolving Credit Loan, or any portion thereof,

for the day on which the Revolving Credit Loan or such portion is paid, provided that any Revolving Credit Loan that is repaid

on the same day on which it is made shall, subject to Section 2.12(a), bear interest for one day. Each determination by Administrative

Agent of an interest rate or fee hereunder shall be conclusive and binding for all purposes, absent manifest error.

SECTION 2.11                    EVIDENCE

OF DEBT.

(a)            Evidence

of Payments. The Revolving Credit Loans made by each Lender shall be evidenced by one or more accounts or records maintained by such

Lender and by Administrative Agent in the ordinary course of business. The accounts or records maintained by Administrative Agent and

each Lender shall be conclusive absent manifest error of the amount of the Revolving Credit Loans made by Lenders to Borrower and the

interest and payments thereon. Any failure to so record or any error in doing so shall not, however, limit or otherwise affect the obligation

of Borrower hereunder to pay any amount owing with respect to the Obligations. If any conflict exists between the accounts and records

maintained by any Lender and the accounts and records of Administrative Agent in respect of such matters, the accounts and records of

Administrative Agent shall control in the absence of manifest error. In addition, if so requested by a Lender at any time following the

Closing Date, the Borrower shall, within three (3) Business Days of such request, execute and deliver a Note in the form of Exhibit E-1

(with respect to a Class A Lender) or Exhibit E-2 (with respect to a Class B Lender) further evidencing such

Lender's Revolving Credit Loans. Each Lender may attach schedules to its respective Note, if any, and endorse thereon the date, amount

and maturity of its Revolving Credit Loans and payments with respect thereto. In the event of the mutilation, destruction, loss or theft

of any Notes, Borrower shall, upon the written request of the holder of such Notes, and in any event within three (3) Business Days

of any such request, execute and deliver to such Lender new replacement Notes in the same form and original principal balance amount and

original date as the Notes so mutilated, destroyed, lost or stolen, and such replaced Notes shall then be deemed no longer outstanding

hereunder. If the Notes being replaced have been mutilated, they shall be surrendered to Borrower after the applicable Lender’s

receipt of the replacement Notes and if such replaced Notes have been destroyed, lost or stolen, such holder shall furnish Borrower with

an indemnity in writing reasonably acceptable such Lender to save them harmless in respect of such replaced Note.

(b)            Administrative

Agent’s Records Control. If any conflict exists between the accounts and records maintained by Administrative Agent and the

accounts and records of any Lender in respect of such matters, the accounts and records of Administrative Agent shall control in the absence

of manifest error.

SECTION 2.12                    PAYMENTS

GENERALLY; RIGHT OF ADMINISTRATIVE AGENT TO MAKE DEDUCTIONS AUTOMATICALLY.

(a)            Payments

Generally.

(i)            All

payments to be made by Borrower shall be made without condition or deduction for any counterclaim, defense, recoupment or setoff. Except

as otherwise expressly provided herein, all payments by Borrower hereunder shall be made to Administrative Agent, for the account of the

respective Lenders to which such payment is owed, at Administrative Agent’s Office in Dollars and in immediately available funds

not later than 12:30 p.m. on the date specified herein. Administrative Agent will promptly distribute to each Lender its applicable

Percentage Share (or other applicable share as provided herein) of such payment in like funds as received by wire transfer to such Lender’s

Lending Office. All payments received by Administrative Agent after 12:30 p.m. shall be deemed received on the next succeeding Business

Day and any applicable interest or fee shall continue to accrue. If any payment to be made by Borrower shall come due on a day other than

a Business Day, payment shall be made on the next following Business Day, and such extension of time shall be reflected in computing interest

or fees, as the case may be.

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(ii)           Borrower

hereby authorizes Administrative Agent: (A) to deduct automatically all principal, interest or fees when due hereunder or with respect

to any Revolving Credit Loan from any account of Borrower maintained with Administrative Agent; and (B) if and to the extent any

payment of principal, interest or fees under this Agreement or otherwise with respect to any Revolving Credit Loan is not made when due

to deduct any such amount from any or all of the accounts of Borrower maintained at or controlled by Administrative Agent, as the case

may be. Administrative Agent agrees to provide written notice to Borrower of any automatic deduction made pursuant to this Section 2.12(a)(ii) showing

in reasonable detail the amounts of such deduction. Each Lender agrees to reimburse Borrower based on its applicable Percentage Share

for any amounts deducted from such accounts in excess of the amount due hereunder and under any other Revolving Credit Documents.

(b)            Fundings

by Lenders, Payments by Borrower and Presumptions by Administrative Agent.

(i)            Unless

Administrative Agent shall have received notice from a Lender prior to the proposed date of any Borrowing that such Lender will not make

available to Administrative Agent such Lender’s share of such Borrowing, Administrative Agent may assume that such Lender has made

such share available on such date in accordance with Section 2.02 and may, in reliance upon such assumption, make available

to Borrower a corresponding amount. In such event, if a Lender has not in fact made its share of the applicable Borrowing available to

Administrative Agent, then the applicable Lender, on the one hand, and Borrower, on the other hand, each severally agrees to pay to Administrative

Agent forthwith on demand such corresponding amount in immediately available funds with interest thereon, for each day from the date such

amount is made available to Borrower to the date of payment to Administrative Agent, at: (A) in the case of a payment to be made

by such Lender, the greater of the Federal Funds Rate and a rate determined by Administrative Agent in accordance with banking industry

rules on interbank compensation, plus any administrative, processing or similar fees customarily charged by Administrative

Agent in connection with the foregoing; and (B) in the case of a payment to be made by Borrower, the interest rate applicable to

Revolving Credit Loans. If Borrower and such Lender shall pay such interest to Administrative Agent for the same or an overlapping period,

Administrative Agent shall promptly remit to Borrower the amount of such interest paid by Borrower for such period. If such Lender pays

its share of the applicable Borrowing to Administrative Agent, then the amount so paid shall constitute such Lender’s Revolving

Credit Loan included in such Borrowing. Any payment by Borrower shall be without prejudice to any claim Borrower may have against a Lender

that shall have failed to make such payment to Administrative Agent.

(ii)           Unless

Administrative Agent shall have received notice from Borrower prior to the date on which any payment is due hereunder to Administrative

Agent for the account of Lenders that Borrower will not make such payment, Administrative Agent may assume that Borrower has made such

payment on such date in accordance herewith and may, in reliance upon such assumption, distribute to Lenders the amount due. In such event,

if Borrower has not in fact made such payment, then Lenders each severally agrees to repay to Administrative Agent forthwith on demand

the amount so distributed to such Lenders in immediately available funds with interest thereon, for each day from the date such amount

is distributed to it to the date of payment to Administrative Agent, at the greater of the Federal Funds Rate and a rate determined by

Administrative Agent in accordance with banking industry rules on interbank compensation. A notice of Administrative Agent to any

Lender or Borrower with respect to any amount owing under this subsection (b) shall be conclusive, absent manifest error.

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to Satisfy Conditions Precedent. If any Lender makes available to Administrative Agent funds for any Revolving Credit Loan to be made

by such Lender as provided in the foregoing provisions of this Article II, and such funds are not made available to Borrower

by Administrative Agent because the conditions to the applicable Borrowing set forth in Article IV are not satisfied or waived

in accordance with the terms hereof, Administrative Agent shall return such funds (in like funds as received from such Lender) to such

Lender, without interest.

(d)            Obligations

of Lenders Several. The obligations of Lenders hereunder to make Revolving Credit Loans and to make payments under Section 10.04(c) are

several and not joint. The failure of any Lender to make any Revolving Credit Loan, to fund any such participation or to make any payment

under Section 10.04(c) on any date required hereunder shall not relieve any other Lender of its corresponding obligation

to do so on such date, and no Lender shall be responsible for the failure of any other Lender to so make its Revolving Credit Loan, purchase

its participation or to make its payment under Section 10.04(c).

(e)            Funding

Sources. Nothing herein shall be deemed to obligate any Lender to obtain the funds for any Revolving Credit Loan in any particular

place or manner or to constitute a representation by any Lender that it has obtained or will obtain the funds for any Revolving Credit

Loan in any particular place or manner.

SECTION 2.13                    SHARING

OF PAYMENTS.

If any Lender shall, by exercising

any right of setoff or counterclaim or otherwise, obtain payment in respect of any principal of or interest on any of the Revolving Credit

Loans made by it, resulting in such Lender receiving payment of a proportion of the aggregate amount of such Revolving Credit Loans or

accrued interest thereon greater than its Percentage Share (or other applicable share as provided herein) thereof as provided herein,

then the Lender receiving such greater proportion shall: (a) notify Administrative Agent of such fact; and (b) purchase (for

cash at face value) participations in the Revolving Credit Loans of the other Lenders, or make such other adjustments as shall be equitable,

so that the benefit of all such payments shall be shared by Lenders ratably in accordance with the aggregate amount of principal of and

accrued interest on their respective Revolving Credit Loans and other amounts owing them; provided that: (i) if any such participations

or subparticipations are purchased and all or any portion of the payment giving rise thereto is recovered, such participations or subparticipations

shall be rescinded and the purchase price restored to the extent of such recovery, without interest; and (ii) the provisions of this

Section 2.13 shall not be construed to apply to: (A) any payment made by Borrower pursuant to and in accordance with

the express terms of this Agreement; or (B) any payment obtained by a Lender as consideration for the assignment of or sale of a

participation in any of its Revolving Credit Loans to any assignee or participant, other than to Borrower or any Subsidiary thereof (as

to which the provisions of this Section 2.13 shall apply).

Each Credit Party consents

to the foregoing and agrees, to the extent it may effectively do so under applicable Law, that any Lender acquiring a participation pursuant

to the foregoing arrangements may exercise against such Credit Party rights of setoff and counterclaim with respect to such participation

as fully as if such Lender were a direct creditor of such Credit Party in the amount of such participation.

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SECTION 2.14                    [INTENTIONALLY

OMITTED].

SECTION 2.15                    SECURITY

FOR THE OBLIGATIONS; SERVICE PROVIDERS.

Except as otherwise specifically

provided in any Revolving Credit Document, all Obligations shall be secured pursuant to the terms of the Collateral Documents. All cash

collateral required to secure the Obligations (or any portion thereof) shall be maintained in accordance with Section 6.13,

and be subject to the perfected, first priority security interest of Administrative Agent, for the benefit of Administrative Agent and

the Lenders; provided that the security interest in each Zero Balance Account (or any CIC Existing Account, in the Administrative

Agent’s and Class B Agent’s Permitted Discretion), shall not be required to be perfected. Borrower shall, and shall cause

each of its Subsidiaries to, use commercially reasonable efforts to cause each Processor, no later than the thirtieth (30th)

day following the Closing Date, (i) to acknowledge the perfected, first priority security interest of Administrative Agent, for the

benefit of Administrative Agent and the Lenders, in and to all Collections of Borrower or such Subsidiary, as the case may be, and also

in and to all Contractual Obligations between Borrower or such Subsidiary on the one hand, and the Processor, on the other hand, and (ii) to

promptly execute a collateral assignment of rights with respect to such Contractual Obligations, in form and substance satisfactory to

Administrative Agent in its Permitted Discretion.

SECTION 2.16                    DEFAULTING LENDERS.

Notwithstanding any provision

of this Agreement to the contrary, if any Lender becomes a Defaulting Lender, then the following provisions shall apply for so long as

such Lender is a Defaulting Lender:

(a)            such

Defaulting Lender shall not be entitled to receive any portion of the Yield Maintenance Fee, if any, payable pursuant to Section 2.05(b);

and

(b)            in

the event that Administrative Agent and Borrower agree that a Defaulting Lender has adequately remedied all matters that caused such Lender

to be a Defaulting Lender, then on such date such Lender shall purchase at par such of the Revolving Credit Loans of the other Revolving

Credit Lenders as Administrative Agent shall determine may be necessary in order for such Lender to hold such Revolving Credit Loans in

accordance with its Revolving Credit Percentage Share.

Article 3

TAXES, YIELD PROTECTION AND ILLEGALITY

SECTION 3.01                    TAXES.

(a)            Payments

Free of Taxes. Any and all payments by Borrower to or on account of any obligation of any CCF Party hereunder or under any other Revolving

Credit Document shall be made free and clear of and without reduction or withholding for any Taxes, provided that, if any Withholding

Agent shall be required by any applicable Law to deduct any Taxes from such payments, then: (i) if such Tax is an Indemnified Tax,

the sum payable by the applicable CCF Party shall be increased as necessary so that after making all required deductions (including deductions

applicable to additional sums payable under this Section 3.01), Administrative Agent or Lender, as the case may be, receives

an amount equal to the sum it would have received had no such deductions been made; (ii) the applicable Withholding Agent shall be

entitled to make such deductions; and (iii) the applicable Withholding Agent Borrower shall timely pay the full amount deducted to

the relevant Governmental Authority in accordance with applicable Law.

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(b)            Payment

of Other Taxes by Borrower. Without limiting the provisions of Section 3.01(a), Borrower shall timely pay any Other Taxes

to the relevant Governmental Authority in accordance with applicable Law or, at the option of the Administrative Agent, timely reimburse

it for the payment of any Other Taxes.

by Borrower. Borrower shall indemnify Administrative Agent and each Lender, within ten (10) days after written demand therefor,

for the full amount of any Indemnified Taxes or Other Taxes (including Taxes imposed or asserted on or attributable to amounts payable

under this Section 3.01) paid by Administrative Agent or Lenders, as the case may be, and any penalties, interest and reasonable

expenses arising therefrom or with respect thereto, whether or not such Indemnified Taxes or Other Taxes were correctly or legally imposed

or asserted by the relevant Governmental Authority. A certificate as to the amount of such payment or liability delivered to Borrower

by any Lender (with a copy to Administrative Agent), or by Administrative Agent on its own behalf or on behalf of a Lender, shall be conclusive

absent manifest error.

(d)            Indemnification

by the Lenders. Each Lender shall jointly and severally indemnify Administrative Agent, within ten (10) days after demand therefor,

for (i) any Indemnified Taxes attributable to such Lender (but only to the extent that any Credit Party has not already indemnified

Administrative Agent for such Indemnified Taxes and without limiting the obligation of the Credit Parties to do so), (ii) any Taxes

attributable to such Lender’s failure to comply with the provisions of Section 10.6(c) relating to the maintenance

of a Register and (iii) any Excluded Taxes attributable to such Lender, in each case, that are payable or paid by Administrative

Agent in connection with any Revolving Credit Document, and any reasonable expenses arising therefrom or with respect thereto, whether

or not such Taxes were correctly or legally imposed or asserted by the relevant Governmental Authority. A certificate as to the amount

of such payment or liability delivered to any Lender by Administrative Agent shall be conclusive absent manifest error. Each Lender hereby

authorizes Administrative Agent to set off and apply any and all amounts at any time owing to such Lender under any Revolving Credit Document

or otherwise payable by Administrative Agent to the Lender from any other source against any amount due to Administrative Agent under

this paragraph (d).

(e)            Evidence

of Payments. If requested in writing by Administrative Agent, any Credit Party shall deliver to Administrative Agent, as soon as practicable

after any payment of Taxes under this Section 3.01 by any Credit Party to a Governmental Authority, the original or a certified

copy of a receipt issued by such Governmental Authority evidencing such payment, a copy of the return reporting such payment or other

evidence of such payment reasonably satisfactory to Administrative Agent.

(f)            Status

of Lenders. (i) Any Lender that is entitled to an exemption from or reduction of withholding Tax with respect to payments made

under any Revolving Credit Document shall deliver to the Borrower and the Administrative Agent, at the time or times reasonably requested

by the Borrower or the Administrative Agent, such properly completed and executed documentation reasonably requested by the Borrower or

the Administrative Agent as will permit such payments to be made without withholding or at a reduced rate of withholding. In addition,

any Lender, if reasonably requested by the Borrower or the Administrative Agent, shall deliver such other documentation prescribed by

Law or reasonably requested by the Borrower or the Administrative Agent as will enable the Borrower or the Administrative Agent to determine

whether or not such Lender is subject to backup withholding or information reporting requirements. Notwithstanding anything to the contrary

in the preceding two sentences, the completion, execution and submission of such documentation (other than such documentation set forth

in paragraphs (ii)(A), (ii)(B) and (ii)(D) of this Section) shall not be required if in the Lender’s reasonable judgment

such completion, execution or submission would subject such Lender to any material unreimbursed cost or expense or would materially prejudice

the legal or commercial position of such Lender.

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(ii)           Without

limiting the generality of the foregoing,

(A)           any

Lender that is a U.S. Person shall deliver to the Borrower and the Administrative Agent on or about the date on which such Lender becomes

a Lender under this Agreement (and from time to time thereafter upon the reasonable request of the Borrower or the Administrative Agent),

executed copies of IRS Form W-9 certifying that such Lender is not subject to U.S. federal backup withholding tax;

(B)            any

Foreign Lender shall, to the extent it is legally entitled to do so, deliver to the Borrower and the Administrative Agent (in such number

of copies as shall be requested by the recipient) on or about the date on which such Foreign Lender becomes a Lender under this Agreement

(and from time to time thereafter upon the reasonable request of the Borrower or the Administrative Agent), whichever of the following

is applicable:

a.            in

the case of a Foreign Lender claiming the benefits of an income tax treaty to which the United States is a party (x) with respect

to payments of interest under any Loan Document, executed copies of IRS Form W-8BEN or IRS Form W-8BEN-E establishing an exemption

from, or reduction of, U.S. federal withholding Tax pursuant to the “interest” article of such tax treaty and (y) with

respect to any other applicable payments under any Loan Document, IRS Form W-8BEN or IRS Form W-8BEN-E establishing an

exemption from, or reduction of, U.S. federal withholding Tax pursuant to the “business profits” or “other income”

article of such tax treaty;

b.            executed

copies of IRS Form W-8ECI;

c.            in

the case of a Foreign Lender claiming the benefits of the exemption for portfolio interest under Section 881(c) of the Code,

(x) a certificate to the effect that such Foreign Lender is not a “bank” within the meaning of Section 881(c)(3)(A) of

the Code, a “10 percent shareholder” of the Borrower within the meaning of Section 871(h)(3)(B) of the Code, or

a “controlled foreign corporation” related to the Borrower as described in Section 881(c)(3)(C) of the Code (a “U.S.

Tax Compliance Certificate”) and (y) executed copies of IRS Form W-8BEN or IRS Form W 8BEN-E; or

d.            to

the extent a Foreign Lender is not the beneficial owner, executed copies of IRS Form W-8IMY, accompanied by IRS Form W-8ECI, IRS

Form W-8BEN, IRS Form W 8BEN-E, a U.S. Tax Compliance Certificate, IRS Form W-9, and/or other certification documents

from each beneficial owner, as applicable; provided that if the Foreign Lender is a partnership and one or more direct or indirect

partners of such Foreign Lender are claiming the portfolio interest exemption, such Foreign Lender may provide a U.S. Tax Compliance Certificate

on behalf of each such direct and indirect partner;

Page 62

Foreign Lender shall, to the extent it is legally entitled to do so, deliver to the Borrower and the Administrative Agent (in such number

of copies as shall be requested by the recipient) on or about the date on which such Foreign Lender becomes a Lender under this Agreement

(and from time to time thereafter upon the reasonable request of the Borrower or the Administrative Agent), executed copies of any other

form prescribed by Law as a basis for claiming exemption from or a reduction in U.S. federal withholding Tax, duly completed, together

with such supplementary documentation as may be prescribed by Applicable Law to permit the Borrower or the Administrative Agent to determine

the withholding or deduction required to be made; and

(D)            if

a payment made to a Lender under any Revolving Credit Document would be subject to U.S. federal withholding Tax imposed by FATCA if such

Lender were to fail to comply with the applicable reporting requirements of FATCA (including those contained in Section 1471(b) or

1472(b) of the Code, as applicable), such Lender shall deliver to the Borrower and the Administrative Agent at the time or times

prescribed by law and at such time or times reasonably requested by the Borrower or the Administrative Agent such documentation prescribed

by Law (including as prescribed by Section 1471(b)(3)(C)(i) of the Code) and such additional documentation reasonably requested

by the Borrower or the Administrative Agent as may be necessary for the Borrower and the Administrative Agent to comply with their obligations

under FATCA and to determine that such Lender has complied with such Lender’s obligations under FATCA or to determine the amount,

if any, to deduct and withhold from such payment. Solely for purposes of this clause (D), “FATCA” shall include any amendments

made to FATCA after the date of this Agreement.

Each Lender agrees that if

any form or certification it previously delivered expires or becomes obsolete or inaccurate in any respect, it shall update such form

or certification or promptly notify the Borrower and the Administrative Agent in writing of its legal inability to do so.

(g)            Treatment

of Certain Refunds. If Administrative Agent or any Lender receives a refund of any Taxes or Other Taxes as to which it has been indemnified

by Borrower or with respect to which Borrower has paid additional amounts pursuant to this Section 3.01, it shall pay to Borrower

an amount equal to such refund (but only to the extent of indemnity payments made, or additional amounts paid, by Borrower under this

Section 3.01 with respect to the Taxes or Other Taxes giving rise to such refund), net of all out-of-pocket expenses (including

Taxes) of Administrative Agent or such Lender, as the case may be, and without interest (other than any interest paid by the relevant

Governmental Authority with respect to such refund); provided that Borrower, upon the request of Administrative Agent or such Lender,

as applicable, agrees to repay the amount paid over to Borrower (plus any penalties, interest or other charges imposed by the relevant

Governmental Authority) to Administrative Agent or such Lender, as applicable, in the event Administrative Agent or such Lender, as applicable

is required to repay such refund to such Governmental Authority.. Notwithstanding anything to the contrary in this paragraph (g), in no

event will Administrative Agent or Lender be required to pay any amount to a Borrower or any CCF Party pursuant to this paragraph (g) the

payment of which would place Administrative Agent or Lender (as applicable) in a less favorable net after-Tax position than such party

would have been in if the Tax subject to indemnification and giving rise to such refund had not been deducted, withheld or otherwise imposed

and the indemnification payments or additional amounts with respect to such Tax had never been paid This subsection (g) shall

not be construed to require Administrative Agent or any Lender to make available its tax returns (or any other information relating to

its taxes that it deems confidential) to Borrower or any other Person.

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(h)            Each

party’s obligations under this Section 3.01 shall survive the resignation or replacement of the Administrative Agent

or any assignment of rights by, or the replacement of, a Lender, the termination of the Revolving Credit Commitments and the repayment,

satisfaction or discharge of all obligations under any Revolving Credit Document.

SECTION 3.02                    [INTENTIONALLY

OMITTED].

SECTION 3.03                    [INTENTIONALLY

OMITTED].

SECTION 3.04                    INCREASED

COSTS.

(a)            Increased

Costs Generally. If any Change in Law shall:

(i)            impose,

modify or deem applicable any reserve, special deposit, compulsory loan, insurance charge or similar requirement against assets of, deposits

with or for the account of, or credit extended or participated in by, any Lender;

(ii)           subject

any Lender to any tax of any kind whatsoever with respect to this Agreement or any Revolving Credit Loan made by it, or change the basis

of taxation of payments to such Lender in respect thereof (except for Indemnified Taxes or Other Taxes covered by Section 3.01

and the imposition of, or any change in the rate of, any Taxes described in clauses (b) through (c) of the definition of Excluded

Tax payable by such Lender); or

(iii)          impose

on any Lender any other condition, cost or expense affecting this Agreement or Revolving Credit Loans made by such Lender or participation

therein;

and the result of any of the foregoing shall be

to increase the cost to such Lender of making or maintaining any Revolving Credit Loan (or of maintaining its obligation to make any such

Revolving Credit Loan), or to reduce the amount of any sum received or receivable by such Lender hereunder (whether of principal, interest

or any other amount), then, upon request of such applicable Lender, Borrower will pay to such Lender such additional amount or amounts

as will compensate such Lender for such additional costs incurred or reduction suffered.

(b)            Capital

Requirements. If any Lender determines that any Change in Law affecting such Lender or the Lending Office of such Lender or such Lender’s

holding company, if any, regarding capital requirements has or would have the effect of reducing the rate of return on such Lender’s

capital or on the capital of such Lender’s holding company, if any, as a consequence of this Agreement, the Commitments of such

Lender or the Revolving Credit Loans made by such Lender, to a level below that which such Lender or such Lender’s holding company

could have achieved but for such Change in Law (taking into consideration such Lender’s policies and the policies of such Lender’s

holding company with respect to capital adequacy), then from time to time Borrower will pay to such Lender such additional amount or amounts

as will compensate such Lender or such Lender’s holding company for any such reduction suffered.

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for Reimbursement. A certificate of a Lender setting forth the amount or amounts necessary to compensate such Lender or its holding

company, as the case may be, as specified in subsection (a) or (b) of this Section 3.04, as well as the basis for

determining such amount or amounts, and delivered to Borrower shall be conclusive absent manifest error. Borrower shall pay such Lender

the amount shown as due on any such certificate within thirty (30) days after receipt thereof.

(d)            Delay

in Requests. Failure or delay on the part of any Lender to demand compensation pursuant to the foregoing provisions of this Section 3.04

shall not constitute a waiver of such Lender’s right to demand such compensation, provided that Borrower shall not be

required to compensate a Lender pursuant to the foregoing provisions of this Section 3.04 for any increased costs incurred

or reductions suffered more than six (6) months prior to the date that such Lender notifies Borrower of the Change in Law giving

rise to such increased costs or reductions and of such Lender’s intention to claim compensation therefor (except that, if the Change

in Law giving rise to such increased costs or reductions is retroactive, then the six (6) month period referred to in this subsection (d) shall

be extended to include the period of retroactive effect thereof).

SECTION 3.05                    [INTENTIONALLY

OMITTED].

SECTION 3.06                    MITIGATION

OBLIGATIONS.

Notwithstanding anything to

the contrary contained in Section 10.01 if any Lender requests compensation under Section 3.04, or Borrower is

required to pay any additional amount to any Lender or any Governmental Authority for the account of any Lender pursuant to Section 3.01,

then such Lender, at the request of Borrower, shall use reasonable efforts to designate a different Lending Office for funding or booking

its Revolving Credit Loans hereunder or to assign its rights and obligations hereunder to another of its offices, branches or affiliates,

if, in the reasonable judgment of such Lender, such designation or assignment: (i) would eliminate or reduce amounts payable pursuant

to Section 3.01 or Section 3.04, as the case may be, in the future; and (ii) in each case, would not subject

such Lender to any unreimbursed cost or expense and would not otherwise be disadvantageous to such Lender as reasonably determined by

such Lender. Borrower hereby agrees to pay all reasonable costs and expenses incurred by any Lender in connection with any such designation

or assignment.

SECTION 3.07                    REMOVAL

OR REPLACEMENT OF LENDERS.

Notwithstanding anything to

the contrary contained in Section 10.01:

(a)            Removal

or Replacement of Lenders Generally. Borrower may with respect to any Specified Lender, at its sole expense and effort, upon notice

to such Lender and Administrative Agent:

(i)            remove

such Specified Lender by terminating such Specified Lender’s Commitments;

(ii)           request

one or more of the other Lenders to acquire and assume all of such Specified Lender’s Revolving Credit Loans and Commitments, which

Lender or Lenders shall have the right, but not the obligation, to so acquire and assume such Specified Lender’s Revolving Credit

Loans and Commitments pursuant to the procedures set forth in Section 10.06(b); or

(iii)          with

the prior written consent of Administrative Agent and Class B Agent (which consent shall not be unreasonably withheld or delayed),

designate a replacement bank or financial institution that is an Eligible Assignee (a “Replacement Lender”),

which Replacement Lender shall assume all of the Revolving Credit Loans and Commitments of such Specified Lender pursuant to the procedures

set forth in Section 10.06(b);

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provided that Borrower may not

remove such Specified Lender, or require such Specified Lender to make any assignment and delegation, pursuant to the immediately preceding

clauses (i), (ii) or (iii), as applicable, if: (1) an Event of Default has occurred and is continuing; (2) such Specified

Lender became a Specified Lender as a result of being a Defaulting Lender and Administrative Agent and Borrower have agreed, prior to

the effectiveness of such action, that such Lender is no longer a Defaulting Lender; or (3) Borrower has not concurrently taken an

action under clause (i), clause (ii) or clause (iii) of this subsection (a) with respect to all other

Lenders who at the time are Specified Lenders under the same clause of the definition thereof.

Any removal of,

or assignment and delegation by, a Specified Lender pursuant to this Section 3.07(a) shall be subject to Section 3.05

and to payment to such Specified Lender of the aggregate Outstanding Legal Balance of all of its Revolving Credit Loans at the time owing

to it, all accrued and unpaid interest thereon, all accrued and unpaid fees and all other amounts payable to it hereunder, which amounts

shall be paid to such Specified Lender by: (A) in the case of a removal of such Specified Lender, Borrower; or (B) in the case

of an assignment and delegation by such Specified Lender, the applicable assignee (to the extent of all such outstanding principal and

accrued and unpaid interest and fees) and Borrower (to the extent of all such other amounts).

(b)            Certain

Actions Incident to Removal. In the case of the removal of any Specified Lender pursuant to Section 3.07(a)(i), Borrower

shall also release such Specified Lender from its obligations under the Revolving Credit Documents. Each Lender hereby grants to Administrative

Agent a power of attorney (which power of attorney, being coupled with an interest, is irrevocable) to execute and deliver, on behalf

of such Lender, as assignor, any Assignment and Assumption necessary to effectuate any assignment of such Lender’s interests hereunder

in circumstances contemplated by this Section 3.07.

Rights as a Lender. Upon the prepayment of all amounts owing to any Specified Lender and the termination of such Lender’s Commitments

pursuant to this Section 3.07, such Specified Lender shall no longer constitute a “Lender” for purposes

hereof; provided that any rights of such Specified Lender to indemnification hereunder with respect to matters that occurred prior

to the date on which such Specified Lender’s Commitments were terminated shall survive as to such Specified Lender.

(d)            Evidence

of Removal or Replacement. Promptly following the removal or replacement of any Specified Lender in accordance with this Section 3.07,

Administrative Agent shall distribute an amended Schedule 2.01, which shall be deemed incorporated into this Agreement, to

reflect changes in the identities of Lenders and adjustments of their respective Commitments or Percentage Shares, as applicable, resulting

from any such removal or replacement.

SECTION 3.08                    SURVIVAL.

All obligations of Borrower

under this Article III shall survive termination of the Aggregate Commitments and repayment of all other Obligations.

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Article 4

CONDITIONS PRECEDENT

SECTION 4.01                    CONDITIONS

TO EFFECTIVENESS AND INITIAL BORROWING.

This Agreement shall become

binding on the parties hereto upon, and the obligation of each Lender to make its initial extension of Revolving Credit Loans hereunder

is subject to, the satisfaction of the following conditions precedent (all Revolving Credit Documents and other documents to be delivered

to Administrative Agent or any Lender pursuant to this Section 4.01 shall be subject to prior approval as to form and substance

(including as to results) by Lender and Administrative Agent, with delivery by a Lender or Administrative Agent of its signature page to

this Agreement evidencing such Person’s acknowledgement that the conditions set forth in this Section 4.01 have been

satisfied, unless otherwise waived in writing):

(a)            Receipt

of Certain Documents. Unless delivery of any of the following is waived by Administrative Agent, Administrative Agent shall have received

the following, each of which shall be in form and substance satisfactory to Administrative Agent and each of which shall be, unless otherwise

specified herein or otherwise required by Administrative Agent, originals (or telefacsimiles or portable document format versions thereof

(in either such case, promptly followed by originals thereof to the extent requested by Administrative Agent or any Lender), each, to

the extent to be executed by a CCF Party, properly executed by a Responsible Officer of such CCF Party, each dated the Closing Date (or,

in the case of certificates of governmental officials, a recent date before the Closing Date), all in sufficient number as Administrative

Agent shall separately identify (including, if specified by Administrative Agent, for purposes of the distribution thereof to Administrative

Agent, Lenders and Borrower):

(i)            counterparts

of this Agreement, executed by each of the parties hereto;

(ii)           [reserved];

(iii)          counterparts

of the other Revolving Credit Documents (including Account Control Agreements with respect to the Concentration Accounts and Borrower

Funding Account, an initial Processor Direction Letter from each Processor, and all other applicable Collateral Documents), executed by

each of the parties thereto, together with:

(A)           any

certificated securities representing shares of Equity Interests owned by or on behalf of any CCF Party constituting Collateral as of the

Closing Date after giving effect to the Transactions together with undated stock powers with respect thereto executed in blank;

(B)            any

promissory notes and other instruments evidencing all loans, advances and other debt owed or owing to any CCF Party (other than Consumer

Receivables) constituting Collateral as of the Closing Date after giving effect to the Transactions together with undated instruments

of transfer with respect thereto executed in blank;

instruments and other documents, including UCC financing statements, required by Law or reasonably requested by Administrative Agent to

be filed, registered or recorded to create or perfect the Liens intended to be created under the Security Agreement, and Administrative

Agent shall be satisfied with the results of all UCC, litigation and other similar searches conducted by it or on its behalf prior to

the Closing Date; and

(D)            a

Perfection Certificate with respect to the CCF Parties, dated the Closing Date and duly executed by a Responsible Officer of Borrower

together with results of a search of the UCC (or equivalent) filings made and tax and judgment lien searches with respect to the CCF Parties

in the jurisdictions contemplated by the Security Agreement and copies of the financing statements (or similar documents) disclosed by

such search and evidence reasonably satisfactory to Administrative Agent that the Liens indicated by such financing statements (or similar

documents) are permitted by Section 7.01 or have been released.

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(iv)          such

certificates of resolutions or other action, incumbency certificates or other certificates of Responsible Officers of each CCF Party and

CCF Holdings as Administrative Agent may reasonably require evidencing the identity, authority and capacity of each Responsible Officer

thereof authorized to act as a Responsible Officer in connection with the Revolving Credit Documents to which such CCF Party is a party;

(v)           such

documents and certifications as Administrative Agent may reasonably require to evidence that each CCF Party and CCF Holdings is duly organized

or formed, and that each CCF Party and CCF Holdings is validly existing, in good standing and qualified to engage in business in: (A) the

State of its organization; and (B) each jurisdiction where its ownership, lease or operation of properties or the conduct of its

business requires such qualification, except to the extent that failure to do so could not reasonably be expected to have a Material Adverse

Effect;

(vi)          (i) favorable

opinions, acceptable to Administrative Agent addressed to Administrative Agent and each Lender of counsel to the CCF Parties and CCF Holdings,

as to such matters as are reasonably required by Administrative Agent or any Lender with respect to the CCF Parties, CCF Holdings, the

Revolving Credit Documents and the Term Loan Documents, and (ii) the Regulatory Legal Opinion;

(vii)         a

certificate of a Responsible Officer of each CCF Party either: (A) attaching copies of all consents, licenses and approvals required

in connection with the execution, delivery and performance by such CCF Party and the validity against such CCF Party of the Revolving

Credit Documents to which it is a party, and such consents, licenses and approvals shall be in full force and effect; or (B) stating

that no such consents, licenses or approvals are so required;

(viii)        a

certificate signed by a Responsible Officer of each CCF Party certifying that: (A) the conditions specified in Section 4.02(d) and

Section 4.02(e) have been satisfied; and (B) there has been no event or circumstance since the date of the Audited

Financial Statements that has had or could be reasonably expected to have, either individually or in the aggregate, a Material Adverse

Effect;

(ix)          evidence

that all insurance required to be maintained pursuant to the Revolving Credit Documents has been obtained and is in effect, together with

copies of all endorsements required pursuant to Section 6.07, subject to the terms of Section 6.15;

(x)            a

copy, certified by an appropriate Responsible Officer of CCF Holdings, of the financial statements of CCF Holdings referred to in Section 5.11;

(xi)           a

Borrowing Base Certificate dated as of the most recent date of periodic delivery required by the existing Revolving Credit Agreement;

(xii)          a

Data Field Certificate as of the Closing Date;

(xiii)         fully

executed copies of each CCF Preferred Equity Document and each Term Loan Document;

(xiv)        fully

executed copies of each Approved CSO Agreement, together with a certification by Borrower that such copies are true, correct and complete

in all material respects.

Page 68

(xv)         a

fully executed copy of the Closing Date Assignment and Assumption Agreement;

(xvi)        a

completed operational and field audit performed by Crowe LLP, in form and substance satisfactory to Administrative Agent and Class A

Lenders;

(xvii        [reserved];

(xviii)      such

other assurances, certificates, documents, consents, reports or opinions as Administrative Agent or any Lender may reasonably require.

(b)            Diligence

and Approvals. Administrative Agent and Lenders have completed, and are satisfied with the results of, all business, legal and regulatory

due diligence with respect to the CCF Parties, CCF Holdings and the Consumer Receivables as Administrative Agent and Lenders deem necessary

or advisable and Lenders have received all necessary credit committee approvals. Administrative Agent shall have reviewed and approved

the allocation of CCF Holdings' common equity among management of CCF Holdings and other holders.

of Fees. Borrower shall have paid: (i) all fees required to be paid to Administrative Agent and any Lender on or before the Closing

Date; and (ii) unless Administrative Agent shall have agreed in writing to any delay in such payment, all fees, charges, expenses

(including costs and expenses related to the field and operational audit performed by Crowe LLP prior to the Closing Date), of whatever

character incurred in connection underwriting, due diligence, documentation, closing and any other actively related to the transactions

contemplated by the Revolving Credit Documents, including disbursements of counsel to Administrative Agent, to the extent invoiced prior

to or on the Closing Date, plus such additional amounts of such fees, charges and disbursements as shall constitute its reasonable

estimate of such fees, charges and disbursements incurred or to be incurred by it through the closing proceedings (provided that

such estimate shall not thereafter preclude a final billing by Administrative Agent to Borrower).

Notwithstanding anything to

the contrary contained herein, this Agreement shall not become effective or be binding on any party hereto unless all of the conditions

precedent to the effectiveness of this Agreement as specified in this Section 4.01(a) are satisfied or waived at or before

3:00 p.m. on December 29, 2023. Administrative Agent shall promptly notify each Credit Party and each Lender of the occurrence

of the Closing Date, and such notice shall be conclusive and binding on all parties hereto. For purposes of determining compliance with

the conditions specified in this Section 4.01 (but without limiting the generality of the provisions of Section 9.04),

each Lender that has signed this Agreement shall be deemed to have consented to, approved or accepted or become satisfied with, each document

or other matter required hereunder to be consented to or approved by or to be acceptable or satisfactory to a Lender unless Administrative

Agent shall have received notice from such Lender prior to the proposed Closing Date specifying its objection thereto.

SECTION 4.02                    CONDITIONS

TO ALL BORROWINGS.

The obligation of each Lender

to make any extension of a Revolving Credit Loan hereunder or to honor any Notice of Borrowing (including, without limitation, the initial

Borrowing) is subject to the following conditions precedent:

(a)            Requests

for Borrowing. Administrative Agent shall have received the applicable Notice of Borrowing no later than two (2) Business Days

prior to the applicable Funding Date.

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(b)            Draw

Period In Effect. The Draw Period Termination Date shall not have occurred.

Documents. Each Revolving Credit Document, Term Loan Document and CCF Preferred Equity Document shall be in full force and no provision

thereof shall have been amended, restated, supplemented, modified or waived without the consent of Administrative Agent, Term Loan Administrative

Agent and/or BP Lender, as applicable, in each case, in accordance with the terms thereof (except for any expiration, termination, payoff,

or similar event occurring pursuant to the terms of any such agreement).

(d)            Truth

and Correctness of Representations and Warranties. As of the related Funding Date, immediately prior to and after giving effect to

the related Borrowing, the representations and warranties of Borrower and each other CCF Party contained in Article V or any

other Revolving Credit Document, or that are contained in any document furnished at any time under or in connection herewith or therewith,

shall be true and correct in all material respects on and as of the date of such Borrowing to the same extent as though made on such date,

except to the extent that such representations and warranties specifically refer to an earlier date, in which case they shall be true

and correct in all material respects as of such earlier date, and except that for purposes of this Section 4.02, the representations

and warranties contained in subsections (a) and (b) of Section 5.11 shall be deemed to refer to each of the

Audited Financial Statements and the most recent statements furnished pursuant to subsections (a) and (b), respectively, of

Section 6.01.

(e)            No

Event of Default, Cease Funding Event, Backup Servicing Trigger Event or Borrowing Base Shortfall. No Event of Default, Cease Funding

Event, Cease Funding Event (Defaulting Lender), Backup Servicing Trigger Event or Borrowing Base Shortfall shall have occurred and be

continuing immediately before giving effect to, or shall result from, such proposed Borrowing or from the application of the proceeds

thereof or from the honoring of any Notice of Borrowing.

(f)             No

Default under Term Loan Documents. No “Event of Default” (as defined in the Term Loan Agreement) has occurred and is continuing

under the Term Loan Agreement or any other Term Loan Document, both immediately before and after giving effect to the related Borrowing.

(g)            Collateral

Reports. Administrative Agent shall have received all Collateral Reports required to be delivered in accordance with Section 6.01(f).

(h)            Consumer

Receivable Documents. Credit Parties shall have provided, or caused to be provided, Administrative Agent and Backup Servicing Agent

with an electronic copy of, or access to, each Consumer Receivable Document, in native format, including all metadata and other embedded

data, as applicable. If any of the Consumer Receivables pledged to Secured Parties under the Security Agreement are evidenced by “tangible

chattel paper” or “electronic chattel paper” (in each case as defined in the UCC), the Credit Parties shall have executed

and delivered to Administrative Agent custodial and/or electronic collateral control agreements, acceptable to Administrative Agent, as

Administrative Agent determines are necessary or advisable in order to perfect the security interest of the Secured Parties in such Consumer

Receivables.

(i)             Backup

Servicing Agreement. Credit Parties shall have provided to Backup Servicing Agent all documents, information and access required to

be so provided pursuant to the Backup Servicing Agreement.

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(j)             Subsidiary

Guarantors. To the extent required by Section 6.14 (after giving effect to the time period provided thereunder), each

Subsidiary of Borrower formed or acquired after the Closing Date has executed and delivered to Administrative Agent and Lenders a joinder

to this Agreement, a joinder to the Security Agreement, an Account Control Agreement with respect to any Deposit Account held by such

Subsidiary and all other documents reasonably requested by Administrative Agent in order to evidence such Subsidiary's guaranty and pledge

to the Secured Parties.

(k)            Tennessee

Recording Tax. The Borrower has paid all recording taxes due with respect to the amounts to be borrowed on such Funding Date pursuant

to T.C.A. §67-7-409(b)(7).

(l)             Class B

Agent. As of any applicable Funding Date, Class B Agent is not a Defaulting Lender.

Each Notice of Borrowing submitted

by Borrower shall be deemed to be a representation and warranty that the conditions specified in Section 4.02(d) and

Section 4.02(e) have been satisfied on and as of the date of the making of the applicable Borrowing or the honoring of

the applicable Notice of Borrowing.

Article 5

REPRESENTATIONS AND WARRANTIES

Borrower represents and warrants to Administrative

Agent and Class B Agent and each Lender that:

SECTION 5.01                    CORPORATE

EXISTENCE AND POWER.

Each of the Credit Parties

and their respective Subsidiaries: (a) is a corporation, partnership or limited liability company duly organized, validly existing

and in good standing under the Laws of the jurisdiction of its incorporation, organization or formation (subject to such changes after

the date hereof as are permitted under the Revolving Credit Documents); (b) has the power and authority and all governmental licenses,

authorizations, consents and approvals: (i) to own its assets and carry on its business, except to the extent that any failure to

have any of the foregoing could not reasonably be expected to have a Material Adverse Effect; and (ii) to execute, deliver, and perform

its obligations under the Revolving Credit Documents to which each is a party; and (c) is duly qualified as a foreign corporation,

partnership or limited liability company, as applicable, and is licensed and in good standing under the Laws of each jurisdiction where

its ownership, leasing or operation of property or the conduct of its business requires such qualification or license, except to the extent

that the failure to do so could not reasonably be expected to have a Material Adverse Effect.

SECTION 5.02                    CORPORATE

AUTHORIZATION; NO CONTRAVENTION.

The execution and delivery

by each of the Credit Parties and their respective Subsidiaries, and the performance by each of the Credit Parties and their respective

Subsidiaries of its obligations under, each Revolving Credit Document to which such Person is party have been duly authorized by all necessary

corporate or other organizational action, and do not and will not: (a) contravene the terms of any of such Person’s Organizational

Documents; (b) conflict with or result in any breach or contravention of, or the creation of any Lien under, or require any payment

to be made under: (i) any Contractual Obligation to which such Person is a party or affecting such Person or the properties of such

Person or any Subsidiary thereof or (ii) any order, injunction, writ or decree of any Governmental Authority or any arbitral award

to which such Person or its property is subject; or (c) violate in any material respect any applicable Law. Each of the Credit Parties

and their respective Subsidiaries are in compliance with all Contractual Obligations referred to in clause (b)(i), except to the

extent that any failure to be in compliance could not reasonably be expected to have a Material Adverse Effect. No Credit Party or any

Subsidiary thereof is a party to or is bound by any Contractual Obligation, or is subject to any restriction in any Organizational Document,

or any requirement of Law, which could reasonably be expected to have a Material Adverse Effect.

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SECTION 5.03                    GOVERNMENTAL

AUTHORIZATION; COMPLIANCE WITH LAWS.

(a)            Governmental

Authorizations. No approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental

Authority is necessary or required in connection with the execution and delivery by any Credit Party (or any Subsidiary thereof) of, or

the performance by any Credit Party (or any Subsidiary thereof) of its obligations under, any Revolving Credit Document to which it is

a party other than (i) such as have been obtained or made and are in full force and effect or (ii) filings necessary to perfect

Liens created by the Revolving Credit Documents.

(b)            Compliance

with Laws. Each Credit Party and each Subsidiary thereof are in compliance in all material respects with the requirements of all Laws

and all orders, writs, injunctions and decrees applicable to it or to its properties, except in such instances in which such requirement

of Law or order, writ, injunction or decree is being contested in good faith by appropriate proceedings diligently conducted and the failure

to comply therewith, either individually or in the aggregate, could not reasonably be expected to have a Material Adverse Effect.

SECTION 5.04                    BINDING

EFFECT.

This Agreement has been, and

each other Revolving Credit Document (when delivered hereunder) will have been, duly executed and delivered by each Credit Party that

is party thereto. This Agreement and each other Revolving Credit Document to which any Credit Party is a party constitutes the legal,

valid and binding obligations of such Credit Party, enforceable against such Credit Party in accordance with their respective terms.

SECTION 5.05                    LITIGATION.

Except as specifically disclosed

on Schedule 5.05, there are no actions, suits, proceedings, claims, disputes or Regulatory Actions pending, or to the best

knowledge of Borrower, threatened in writing, at law, in equity, in arbitration or before any Governmental Authority, against any Credit

Party or any Subsidiary of any Credit Party that: (a) purport to affect or pertain to any Revolving Credit Document, or any of the

transactions contemplated thereby (including any prior iteration of the Revolving Credit Documents such as the Existing Revolving Credit

Agreement); or (b) could reasonably be expected to have a Material Adverse Effect. No injunction, writ, temporary restraining order

or any order of any nature has been issued by any court or other Governmental Authority purporting to enjoin or restrain the execution,

delivery or performance of any Revolving Credit Document, or directing that the transactions provided for therein not be consummated as

therein provided. Since the Closing Date, there has been no change in the status of any matters disclosed on Schedule 5.05

that, individually or in the aggregate, has resulted in, or materially increased the likelihood of, a Material Adverse Effect.

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SECTION 5.06                    NO

DEFAULTS, CEASE FUNDING EVENT OR BACKUP SERVICING TRIGGER EVENT.

No Default, Event of Default,

Cease Funding Event, Cease Funding Event (Defaulting Lender) or Backup Servicing Trigger Event has occurred and is continuing or would

result from the incurring of any Obligations by Borrower or from the grant and perfection of the Liens upon the Collateral in favor of

Administrative Agent. As of the Closing Date, none of Borrower, any other Credit Party or any Subsidiary of any Credit Party is in default

under or with respect to any Contractual Obligation in any respect that, individually or together with all such defaults, could reasonably

be expected to have a Material Adverse Effect, or that would, if such default had occurred after the Closing Date, create an Event of

Default under Section 8.01(e).

SECTION 5.07                    EMPLOYEE

BENEFIT PLANS.

(a)            Compliance

with ERISA Generally. As of the Closing Date, Borrower and each ERISA Affiliate are in compliance with the applicable provisions of

ERISA, the Code and other federal or state Law with respect to each Plan, and each Plan which is intended to qualify under subsection 401(a) of

the Code has received a favorable determination letter from the IRS and nothing has occurred that would cause the loss of such qualification,

in each case, except as could not reasonably be expected to have a Material Adverse Effect. As of the Closing Date, Borrower and each

ERISA Affiliate have made all required contributions to any Pension Plan subject to Section 412 of the Code, and no application for

a funding waiver or an extension of any amortization period pursuant to Section 412 of the Code has been made with respect to any

Plan.

(b)            No

Actions. As of the Closing Date: (i) there are no pending or, to the best knowledge of Borrower, threatened claims, actions or

lawsuits, or action by any Governmental Authority, with respect to any Plan that has resulted or could reasonably be expected to result

in a Material Adverse Effect; and (ii) there has been no prohibited transaction or violation of the fiduciary responsibility rules with

respect to any Plan that has resulted or could reasonably be expected to result in a Material Adverse Effect.

Events. As of the Closing Date: (i) except as could not reasonably be expected to result in a Material Adverse Effect, no ERISA

Event has occurred or is reasonably expected to occur and neither Borrower nor any ERISA Affiliate has engaged in a transaction that

could be subject to Section 4069(a) or 4212(c) of ERISA; and (ii) no event or circumstance has occurred or exists

that, if such event or circumstance had occurred or arisen after the Closing Date, would create an Event of Default under Section 8.01(i).

(d)            Each

Foreign Pension Plan is in compliance in all material respects with all requirements of Law applicable thereto and the respective requirements

of the governing documents for such plan except to the extent such non-compliance could not reasonably be expected to result in a Material

Adverse Effect. With respect to each Foreign Pension Plan, none of Borrower, its Affiliates or any of its directors, officers, employees

or agents has engaged in a transaction which would subject Borrower or any of its Subsidiaries, directly or indirectly, to a tax or civil

penalty which could reasonably be expected, individually or in the aggregate, to result in a Material Adverse Effect. With respect to

each Foreign Pension Plan, reserves have been established in the financial statements furnished to Administrative Agent in respect of

any unfunded liabilities in accordance with applicable Law and prudent business practice or, where required, in accordance with ordinary

accounting practices in the jurisdiction in which such Foreign Pension Plan is maintained. The aggregate unfunded liabilities with respect

to such Foreign Pension Plans could not reasonably be expected to result in a Material Adverse Effect. There are no actions, suits or

claims (other than routine claims for benefits) pending or threatened against Borrower or any of its Affiliates with respect to any Foreign

Pension Plan which could reasonably be expected, individually or in the aggregate, to result in a Material Adverse Effect.

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SECTION 5.08                    USE

OF PROCEEDS.

Borrower will use the proceeds

of the Revolving Credit Loans solely for the purposes set forth in and as permitted by Section 6.11 and Section 7.10.

SECTION 5.09                    TITLE

TO PROPERTIES.

Except as disclosed on Schedule

5.09 (as the same may be updated from time to time by Borrower with the prior written consent of Administrative Agent exercising its

Permitted Discretion), Credit Party and each Subsidiary thereof have good record and marketable title in fee simple to, or valid leasehold

interests in, or valid rights to use (including easements) all real property necessary to the ordinary conduct of their respective businesses,

except for such defects in title as could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.

As of the Closing Date, the properties of each Credit Party and each Subsidiary thereof are subject to no Liens other than Permitted Liens.

SECTION 5.10                    TAXES.

Each Credit Party and each

Subsidiary thereof have filed all U.S. federal and other Tax returns and reports required to be filed, and have paid prior to delinquency

all U.S. federal and other Taxes, assessments, fees and other governmental charges levied or imposed upon them or their properties, income

or assets otherwise due and payable, except those (i) that are being contested in good faith by appropriate proceedings timely instituted

and diligently conducted and for which such Person has set aside adequate reserves, if any, on its financial statements in accordance

with GAAP and (ii) where failure to file or pay could not reasonably be expected to have, individually or in the aggregate, a Material

Adverse Effect. There is no proposed tax assessment against any Credit Party or any Subsidiary thereof that would, if made, have a Material

Adverse Effect.

SECTION 5.11                    FINANCIAL

CONDITION.

(a)            Financial

Statements.

(i)            The

Audited Financial Statements: (A) were prepared in accordance with GAAP consistently applied throughout the period covered thereby,

except as otherwise expressly noted therein; (B) fairly present the consolidated financial condition of the Credit Parties as of

the date thereof and its consolidated results of operations for the period covered thereby in accordance with GAAP consistently applied

throughout the period covered thereby, except as otherwise expressly noted therein; and (C) show, on a consolidated basis, all material

indebtedness and other liabilities, direct or contingent, of the Credit Parties as of the date thereof, including liabilities for Taxes,

material commitments and Debt.

(ii)           The

unaudited consolidated balance sheet of CCF Holdings and its Subsidiaries (other than Subsidiaries which are variable interest entities)

dated September 30, 2023, and the related consolidated statements of income or operations, shareholders’ equity and cash flows

for the Fiscal Period ended on such date: (i) were prepared in accordance with GAAP consistently applied throughout the period covered

thereby (excluding variable interest entities), except as otherwise expressly noted therein; and (ii) fairly present the consolidated

financial condition of the Credit Parties as of the date thereof and their results of operations for the period covered thereby, subject,

in the case of clauses (i) and (ii), to the absence of footnotes and to normal year-end audit adjustments.

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(b)            No

Material Adverse Effect. Since the date of the Audited Financial Statements, there has been no event or circumstance, either individually

or in the aggregate, that has had or could reasonably be expected to have a Material Adverse Effect.

SECTION 5.12                    ENVIRONMENTAL

MATTERS.

Each Credit Party conducts

in the ordinary course of business a review of the effect of existing Environmental Laws and existing Environmental Claims on its business,

operations and properties, and as a result thereof each Credit Party has reasonably concluded that, except as specifically disclosed on

Schedule 5.12, such Environmental Laws and Environmental Claims could not, individually or in the aggregate, reasonably be

expected to have a Material Adverse Effect. Since the Closing Date, there has been no change in the status of the any matters disclosed

on Schedule 5.12 that, individually or in the aggregate, has resulted in, or materially increased the likelihood of, a Material

Adverse Effect.

SECTION 5.13                    MARGIN

REGULATIONS; REGULATED ENTITIES.

Neither Borrower nor any Subsidiary

thereof is engaged or will engage, principally or as one of its important activities, in the business of purchasing or carrying margin

stock (within the meaning of Regulation U issued by the FRB), or extending credit for the purpose of purchasing or carrying margin stock.

None of Borrower, any Subsidiary thereof or any Person controlling Borrower is required to be registered as an “investment company”

within the meaning of the Investment Company Act of 1940. Borrower is not subject to regulation under the Federal Power Act, any state

public utilities code or any other Federal or state statute or regulation limiting its ability to incur Debt.

SECTION 5.14                    SWAP

OBLIGATIONS.

Neither Borrower nor any Subsidiary

thereof has incurred any outstanding obligations under any Swap Contracts, other than obligations under Swap Contracts currently existing

between Borrower and Administrative Agent or otherwise expressly permitted hereby. Borrower has voluntarily entered into each Swap Contract

to which it is a party based upon its own independent assessment of its consolidated assets, liabilities and commitments, in each case

as an appropriate means of mitigating and managing risks associated with such matters, and has not relied on any swap counterparty or

any Affiliate of any swap counterparty in determining whether to enter into any Swap Contract.

SECTION 5.15                    INTELLECTUAL

PROPERTY.

Borrower and each Subsidiary

thereof own or are licensed or otherwise have the right to use all of the patents, trademarks, service marks, trade names, copyrights,

contractual franchises, authorizations and other rights that are reasonably necessary for the operation of their respective businesses,

except for those the failure of which to own or license could not, individually or in the aggregate, reasonably be expected to have a

Material Adverse Effect. The use of such intellectual property by Borrower and its Subsidiaries and the operation of their respective

businesses do not infringe any valid and enforceable intellectual property rights of any other Person, except to the extent any such infringement

could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. No slogan or other advertising

device, product, process, method, substance, part or other material now employed, or now contemplated to be employed, by Borrower or any

Subsidiary thereof infringes upon any rights held by any other Person, except to the extent any such infringement could not, individually

or in the aggregate, reasonably be expected to have a Material Adverse Effect. Except as specifically disclosed on Schedule 5.05,

no claim or litigation regarding any of the foregoing is pending or, to Borrower’s knowledge, threatened in writing, and no patent,

invention, device, application, principle or any statute, Law, rule, regulation, standard or code is pending or, to Borrower’s knowledge,

proposed, which could, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.

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SECTION 5.16                    EQUITY

INTERESTS HELD BY BORROWER; EQUITY INTERESTS IN BORROWER.

(a)            As

of the Closing Date: (i) the only Subsidiaries of Borrower are those listed on Schedule 5.16; and (ii) Borrower

holds no Equity Interests in any other Person other than those specifically disclosed on Schedule 5.16. All of the outstanding

Equity Interests in Borrower and in each Subsidiary thereof have been validly issued and are fully paid and nonassessable.

(b)            To

the knowledge of the Credit Parties, no owner of any Equity Interests in Borrower has voluntarily granted any security interest or Lien

on such Equity Interests to any Person.

SECTION 5.17                    INSURANCE.

The properties of each Credit

Party and each Subsidiary thereof are insured with financially sound and reputable insurance companies that are not Affiliates of any

of the Credit Parties, in such amounts, with such deductibles and covering such risks as are customarily carried by companies engaged

in similar businesses and owning similar properties in localities where such Credit Party or its Subsidiary operates.

SECTION 5.18                    COLLATERAL

AND COLLATERAL DOCUMENTS.

(a)            Enforceable

and Perfected Security Interest.

(i)            Each

of the Pledge Agreement and the Security Agreement creates in favor of Administrative Agent, for the benefit of the Secured Parties, a

legal, valid and enforceable first-priority security interest in the Collateral (as defined in the Pledge Agreement and Security Agreement,

as applicable) and the proceeds thereof (the “Security Interest”) and (i) when the applicable Collateral

(other than Uncertificated Securities, Uncertificated Limited Liability Company Interests and Uncertificated Partnership Interests, each

as defined in the Pledge Agreement and the Security Agreement, as applicable) required to be delivered pursuant to the Pledge Agreement

or the Security Agreement, as applicable, are delivered to Administrative Agent together with the proper endorsements, the Security Interest

therein shall be perfected, (ii) when each financing statement in the form attached to the Perfection Certificate (each a “Financing

Statement”) is filed in the applicable office set forth in Schedule 5.18, the Security Interest (other than with

respect to (x) certain Intellectual Property (as defined in the Security Agreement) with respect to which additional filings may

be necessary or desirable as described in clause (ii) of this Section 5.18(a) and (y) any Zero Balance

Account) shall be perfected to the extent the Security Interest may be perfected by the filing of a UCC financing statement.

(ii)           Upon

the recordation of the Security Agreement (or a short-form security agreement in form and substance reasonably satisfactory to Borrower

and Administrative Agent) with the United States Patent and Trademark Office and the United States Copyright Office, and the filing of

each Financing Statement in the office indicated therein, the Security Interest in all of the Intellectual Property of Borrower and the

other Credit Parties constituting Collateral shall be perfected.

(iii)          Each

Account Control Agreement, deposit account control agreement and securities account control agreement perfects the Security Interest in

each Concentration Account, and each other deposit account and securities account constituting Collateral (other than any Zero Balance

Account).

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(b)            Truth

and Correctness of Representations and Warranties. All representations and warranties of each CCF Party in each Collateral Document

are true and correct in all material respects.

SECTION 5.19                    LABOR

RELATIONS.

There are no strikes, lockouts

or other material labor disputes against Borrower or any Subsidiary thereof, or to Borrower’s knowledge, threatened against or affecting

Borrower or any Subsidiary thereof, and no significant unfair labor practice complaint is pending against Borrower or any Subsidiary thereof

or, to the knowledge of Borrower, threatened against any of them before any Governmental Authority. Except as set forth on Schedule 5.19:

(a) neither Borrower nor any Affiliate or Subsidiary thereof are a party to any collective bargaining agreements or contracts; and

(b) no union representation exists and, to the knowledge of Borrower, no union organizing activities are taking place.

SECTION 5.20                    SOLVENCY.

Borrower and each of its Subsidiaries is Solvent.

SECTION 5.21                    FULL

DISCLOSURE.

To the best knowledge after

due inquiry of any Responsible Officer of Borrower, the Revolving Credit Documents, the Perfection Certificate and the statements contained

in the exhibits, reports, statements and certificates furnished by or on behalf of any CCF Party in connection with the Revolving Credit

Documents (including the offering and disclosure materials delivered by or on behalf of any CCF Party to Administrative Agent and Lenders

(or any of the foregoing Persons) prior to the Closing Date), taken as a whole, do not contain any untrue statement of a material fact

or omit any material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances

under which they are made, not misleading as of the time when made or delivered; provided that with respect to projected financial

information, Borrower represents only that such information was prepared in good faith based upon assumptions believed to be reasonable

at the time.

SECTION 5.22                    CERTAIN

EXHIBITS AND SCHEDULES.

Borrower has delivered to

Administrative Agent true, accurate and correct copies of the in-force and in-effect Program Summary, Underwriting Guidelines and Servicing

Policy of Borrower and the other Credit Parties and of Schedule 1.01 to this Agreement; provided, however, that this representation

and warranty shall be deemed not to be untrue or incorrect to the extent Borrower or the other Credit Parties have discontinued origination

of an Existing Product or Borrower or the other Credit Parties are originating a Non-Approved Product to the extent the origination of

such Non-Approved Product complies with Section 7.14 hereof and an update to the Program Summary, the Servicing Policy or

the Underwriting Guidelines is not then due under Section 6.03(a).

SECTION 5.23                    SANCTIONS;

ANTI-CORRUPTION LAWS.

(a)            No

Credit Party, nor any of its Subsidiaries or any director, officer, employee, agent, or affiliate of any Credit Party or any of its Subsidiaries

is a Person that is, or is owned or controlled by Peresons that are: (i) the subject of any sanctions administered or enforced by

the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”), the U.S. Department of

State, the United Nations Security Council, the European Union, His Majesty’s Treasury, or other relevant sanctions authority (collectively,

“Sanctions”), or (ii) located, organized or resident in a country or territory that is the subject of Sanctions

(including, currently, Crimea, the so-called Luhansk People’s Republic, the so-called Donetsk People’s Republic, Cuba, Iran,

North Korea and Syria).

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(b)            Each

Credit Party, its Subsidiaries and their respective directors, officers and employees and, to the knowledge of each Credit Party, the

agents of each Credit Party and its Subsidiaries, are in compliance with all applicable Sanctions and with the Foreign Corrupt Practices

Act of 1977, as amended, and the rules and regulations thereunder (the “FCPA”) and any other applicable

anti-corruption law, in all material respects. Each Credit Party has instituted and maintains policies and procedures designed to ensure

continued compliance with applicable Sanctions, the FCPA and any other applicable anti-corruption laws.

Article 6

AFFIRMATIVE COVENANTS

So long as any Lender shall

have any Commitment hereunder, any Revolving Credit Loan or other Obligation (other than unasserted contingent indemnification obligations)

shall remain unpaid or unsatisfied and the Discharge of Secured Obligations shall not have occurred:

SECTION 6.01                    REPORTING

REQUIREMENTS.

Unless any of the following

are waived by Administrative Agent and Class B Agent from time to time in its sole discretion, Borrower shall deliver, or cause to

be delivered, to Administrative Agent, in form and detail satisfactory to Administrative Agent:

(a)            Annual

Financial Statements.

(i)            As

soon as available, but in any event (i) within ninety (90) days after the end of each fiscal year of CCF Holdings, a consolidated

balance sheet for CCF Holdings and its Subsidiaries as at the end of such fiscal year, and the related consolidated statements of income

or operations, shareholders’ equity and cash flows for such fiscal year, setting forth, in each case in comparative form, the figures

for the previous fiscal year, all in reasonable detail and prepared in accordance with GAAP, and (ii) within one hundred twenty (120)

days after the end of each fiscal year of CCF Holdings, a consolidated balance sheet for CCF Holdings and its Subsidiaries as at the end

of such fiscal year, and the related consolidated statements of income or operations, shareholders’ equity and cash flows for such

fiscal year, setting forth, in each case in comparative form, the figures for the previous fiscal year, all in reasonable detail and prepared

in accordance with GAAP; provided, that in the case of this clause (ii), such consolidated statements to be audited and accompanied

by a report and opinion of an independent certified public accountant of nationally recognized standing reasonably acceptable to Administrative

Agent (it being understood and agreed that Elliott Davis is reasonably acceptable), which report and opinion shall be prepared in accordance

with generally accepted auditing standards and shall not be subject to any “going concern” or like qualification or exception

or any qualification or exception as to the scope of such audit other than for the exclusion of variable interest entities; and

(ii)           As

soon as available, but in any event (i) within ninety (90) days after the end of each fiscal year of Borrower, a consolidated balance

sheet for Borrower and its Subsidiaries as at the end of such fiscal year, and the related consolidated statements of income or operations,

shareholders’ equity and cash flows for such fiscal year, setting forth, in each case in comparative form, the figures for the previous

fiscal year, all in reasonable detail and prepared in accordance with GAAP.

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(b)            Fiscal

Period and Monthly Financial Statements.

(i)            Fiscal

Period Financial Statements.

(A)         As

soon as available, but in any event within forty-five (45) days after the end of each of the first three Fiscal Periods in each fiscal

year, a consolidated balance sheet for CCF Holdings and its Subsidiaries as at the end of such Fiscal Period, and the related consolidated

statements of income or operations, shareholders’ equity and cash flows for the portion of CCF Holdings’ fiscal year then

ended, setting forth, in each case in comparative form, the figures for the corresponding portion of the previous fiscal year, all in

reasonable detail, such consolidated statements to be internally prepared and certified by a Responsible Officer of CCF Holdings as fairly

presenting the financial condition, results of operations, shareholders’ equity and cash flows of CCF Holdings and its Subsidiaries

in accordance with GAAP, subject only to normal year-end audit adjustments and the absence of footnotes and excluding variable interest

entities; and

(B)          As

soon as available, but in any event within forty-five (45) days after the end of each of the first three Fiscal Periods in each fiscal

year, a consolidated balance sheet for Borrower and its Subsidiaries as at the end of such Fiscal Period, and the related consolidated

statements of income or operations, shareholders’ equity and cash flows for the portion of Borrower’s fiscal year then ended,

setting forth, in each case in comparative form, the figures for the corresponding portion of the previous fiscal year, all in reasonable

detail, such consolidated statements to be internally prepared and certified by a Responsible Officer of Borrower as fairly presenting

the financial condition, results of operations, shareholders’ equity and cash flows of Borrower and its Subsidiaries in accordance

with GAAP, subject only to normal year-end audit adjustments and the absence of footnotes and excluding variable interest entities.

(ii)           Monthly

Financial Statements.

(A)         As

soon as available and in any event within forty-five (45) days after the end of each calendar month (provided, however,

in the case of each of the calendar months ending on, September 30, 2023, October 31, 2023 and November 30, 2023, such

financial statements must be delivered within seventy-five (75) days after the end of such calendar month),

(1) the unaudited consolidated statements of income and expense of CCF Holdings and its Subsidiaries for the monthly period

in question, (2) the unaudited consolidated balance sheet of CCF Holdings and its Subsidiaries as of the last day of such calendar

month and (3) an unaudited consolidated statement of cash flows of CCF Holdings and its Subsidiaries during such calendar month,

all of the foregoing in this clause (ii) in such detail and scope as may be reasonably required by Administrative Agent, prepared

in accordance with GAAP and on a basis consistent with prior accounting periods and certified by the chief financial officer of CCF Holdings

as fairly presenting in all material respects the financial condition, results of operations and cash flows of CCF Holdings and its Subsidiaries

as at the end of such calendar month and for the period covered thereby, in accordance with GAAP; and

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(B)          As

soon as available and in any event within forty-five (45) days after the end of each calendar month (provided, however,

in the case of each of the calendar months ending on, September 30, 2023, October 31, 2023 and November 30, 2023, such

financial statements must be delivered within seventy-five (75) days after the end of such calendar month),

(1) the unaudited consolidated statements of income and expense of Borrower and its Subsidiaries for the monthly period in

question, and (2) the unaudited consolidated balance sheet of Borrower and its Subsidiaries as of the last day of such calendar month,

all of the foregoing in this clause (B) in such detail and scope as may be reasonably required by Administrative Agent, prepared

in accordance with GAAP and on a basis consistent with prior accounting periods and certified by the chief financial officer of Borrower

as fairly presenting in all material respects the financial condition, and results of operations and cash flows of Borrower and its Subsidiaries

as at the end of such calendar month and for the period covered thereby, in accordance with GAAP.

Holdings Business Plan and Borrower Business Plan.

(i)            CCF

Holdings Business Plan. Borrower shall submit, or cause to be submitted, to Administrative Agent on December 31, 2023, and on

each June 30th and December 31st (i) forecasts of CCF Holdings and its Subsidiaries, (A) of

consolidated balance sheets and statements of income or operations and cash flows for CCF Holdings and its Subsidiaries for the immediately

following fiscal year (including for the fiscal year immediately following the fiscal year in which the Maturity Date occurs) and (B) showing

projected average Consumer Loan balances (and related model calculations), revenues, origination costs, overhead costs, outstanding balance

of debt and other financial metrics for the immediately following fiscal year (clauses (A) and (B) immediately above, a “CCF Holdings

Business Plan”) and (ii) a comparison of the previous CCF Holdings Business Plan delivered to Administrative Agent

and the Lenders to actual performance over the related period.

(ii)           Borrower

Business Plan. Borrower shall submit, or cause to be submitted, to Administrative Agent on December 31, 2023, and on each June 30th

and December 31st thereafter, (i) forecasts of Borrower and its Subsidiaries, in form and substance satisfactory

to Administrative Agent, (A) of consolidated balance sheets and statements of income or operations and cash flows for Borrower and

its Subsidiaries for the immediately following fiscal year (including for the fiscal year immediately following the fiscal year in which

the Maturity Date occurs) and (B) showing projected originations, revenues, origination costs, overhead costs, outstanding balance

of debt and other financial metrics for the immediately following fiscal year and demonstrating expected compliance with the financial

covenants set forth in Section 6.12 (clauses (A) and (B) immediately above, a “Borrower Business Plan”)

and (ii) for any Borrower Business Plan delivered to Administrative Agent and the Lenders after December 31, 2022, a comparison

of the previous Borrower Business Plan delivered to Administrative Agent and the Lenders to actual performance over the related period.

(d)            Borrowing

Base Certificates. No later than 12:00 p.m. EST two (2) Business Days prior to each Funding Date and each Remittance Date

(each a “Calculation Date”), Borrower shall calculate a Borrowing Base Certificate, which shall be delivered

to Administrative Agent via electronic mail. For purposes of clarity, such Borrowing Base Certificate shall be calculated

based upon (i) the opening deposit account balances of Eligible Cash for such Calculation Date and (ii) the Eligible Principal

Balance of all Eligible Consumer Receivables as of the end of the Business Day that is three (3) Business Days preceding such Funding

Date or Remittance Date, as applicable;

Page 80

(e)            Monthly

Bank Statement/Reconciliation. Not more than ten (10) Business Days after the end of each month, shall cause each Account Bank

to deliver to Administrative Agent a copy of the bank statement for each Concentration Account, the Borrower Funding Account and any CIC

Existing Account for which such statements were delivered to the administrative agent under the Existing CIC Credit Agreement;

(f)             Collateral

Reports. The following reports (each, a “Collateral Report”) shall be in the form of a digital file sent

via Electronic Platform and shall be accompanied by such other monthly reports and other information relating to the Collateral as shall

reasonably be requested by Administrative Agent from time to time:

(i)            Monthly

Loan Summary. As soon as available and in any event no later than 11:00 a.m. EST on third (3rd) Business Day of each

calendar month, a report identifying all Eligible Consumer Receivables pledged to Administrative Agent, for the benefit of itself and

the Lenders, as of the close of business on the last day of the immediately preceding calendar month, which report contains the applicable

information for each of the data fields listed under “Loan Summary File” in Exhibit 6.01(f)(i) to this Agreement;

(ii)           Monthly

Transaction Summary. As soon as available and in any event no later than 11:00 a.m. EST on the third (3rd) Business

Day of each calendar month, a report identifying the activity occurring during the preceding calendar month (e.g., Charge-Offs, Collections

and other changes) in respect of the Eligible Consumer Receivables pledged to Administrative Agent, for the benefit of itself and the

Lenders, and setting forth the applicable information for each of the data fields listed under “Transaction File” in Exhibit 6.01(f)(ii) to

this Agreement;

(iii)          [Intentionally

Deleted]; and

(iv)          Daily

Summary. As soon as available and in any event no later than 11:00 a.m. EST each day (or the next succeeding Business Day if

such day is not a Business Day), a report in form and substance satisfactory to Administrative Agent, in its Permitted Discretion, which

may contain (x) a report identifying all Eligible Consumer Receivables pledged to Administrative Agent, for the benefit of Administrative

Agent and the Lenders, as of the close of business on the preceding Business Day, which report contains the applicable information for

each of the data fields listed under “Loan Summary File” in Exhibit 6.01(f)(i) to this Agreement; and (y) a

report identifying the activity since the previously Business Day (e.g., Charge-Offs, Collections, account balances, Aggregate-Cash-In

Store, Aggregate-Cash-In Transit, Aggregate Deposits-In-Transit, Aggregate Amounts on Deposit, Net Collections and other activity) in

respect of the Eligible Consumer Receivables and Eligible Accounts pledged to Administrative Agent, for the benefit of Administrative

Agent and the Lenders, and setting forth the applicable information for each of the data fields listed under “Transaction File”

in Exhibit 6.01(f)(ii) to this Agreement.

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SECTION 6.02                    CERTIFICATES;

OTHER INFORMATION.

Unless any of the following

are waived by both Administrative Agent and Class B Agent from time to time, each in its sole discretion, Borrower shall deliver

to Administrative Agent, in form and detail satisfactory to Administrative Agent:

(a)            Accountants’

Certificate. Concurrently with Borrower’s delivery of the financial statements referred to in Section 6.01(a), a

certificate of its independent certified public accountants certifying and stating that, in connection with their audit, nothing came

to their attention that caused them to believe that Borrower failed to comply with the financial covenants of Section 6.12(a) through

(d), but also noting that their audit was not directed primarily toward obtaining knowledge of or noncompliance with Section 6.12(a) through

(d);

(b)            Compliance

Certificate; Monthly Certificate.

(i)            Concurrently

with the delivery of the financial statements referred to in subsections (a)(ii), (b)(i) and b(ii) of Section 6.01,

a duly completed Compliance Certificate (including detailed calculations and support demonstrating compliance with the financial covenants

set forth in Section 6.12) signed by an appropriate Responsible Officer of CCF Holdings;

(ii)           Concurrently

with the delivery of the financial statements referred to in subsection (b)(ii) of Section 6.01, a duly completed

monthly certificate (including detailed supporting calculations), in form and substance satisfactory to Administrative Agent, signed by

an appropriate Responsible Officer of Borrower certifying as to whether or not a Portfolio Trigger Event has occurred;

Accountant Reports. Promptly after any request by Administrative Agent or any Lender, copies of any detailed audit reports, management

letters or recommendations submitted to the board of directors (or the audit committee of the board of directors) of CCF Holdings by independent

accountants in connection with the accounts or books of CCF Holdings, any CCF Party or any Subsidiary thereof, or any audit of any of

them;

(d)            Equity

Interest Holder Reports and Certain Public Filings. Promptly after the same are available, copies of each annual report, proxy or

financial statement or other report or communication sent to the holders of Equity Interests of Borrower and copies of all annual, regular,

periodic and special reports and registration statements that Borrower may file or be required to file with the Securities and Exchange

Commission under Section 13 or Section 15(d) of the Exchange Act, and, in each case, not otherwise required to be delivered

to Administrative Agent pursuant hereto;

(e)            Debt

Holder Reports. Promptly after the furnishing thereof, copies of any statement or report furnished to any holder of debt securities

of any CCF Party or any Subsidiary thereof pursuant to the terms of any indenture, loan or credit or similar agreement that are not otherwise

required to be furnished to Administrative Agent and Lenders pursuant to Section 6.01 or any other clause of this Section 6.02;

(f)             Materials

from Governmental Authorities. Promptly, and in any event within five Business Days after receipt thereof by any CCF Party or any

Subsidiary thereof, copies of each material notice or other correspondence received from any Governmental Authority concerning any investigation

or possible investigation or other inquiry by such agency regarding any material financial or other material operational results of Borrower

and its Subsidiaries, taken as a whole;

(g)            CSO

Agreements. Promptly, and in any event within thirty (30) days after the execution and delivery thereof, copies of each credit services

organization and lender agreement or other similar agreement between any Credit Party and an unaffiliated, third-party lender in connection

with any credit services organization program implemented by such Credit Party and, at the request of Administrative Agent, copies of

any other agreements related thereto, together with a certification by Borrower that such copies are true, correct and complete in all

material respects;

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(h)            Insurance

Certificates. Concurrently with Borrower’s delivery of the financial statements referred to in Section 6.01(a),

certificates of insurance evidencing the policies of insurance required to be maintained by the Loan Parties hereunder or under any other

Loan Document; and

(i)             Additional

Information. Promptly, such additional information regarding the business, financial or corporate affairs of any CCF Party or any

Subsidiary thereof or compliance with the terms of the Revolving Credit Documents, as Administrative Agent or any Lender may from time

to time request in its Permitted Discretion.

SECTION 6.03                    NOTICES.

(a)            Certain

Amendments.

(i)            Servicing

Policy. Borrower shall provide Administrative Agent with (A) prior written notice of any proposed material changes to the Servicing

Policy, and (B) prompt written notice of any non-material changes to the Servicing Policy that do not require Administrative Agent's

prior written consent pursuant to Section 7.14(b).

(ii)           Program

Summary. Borrower shall, no less frequently than monthly, provide Administrative Agent with written notice of any change to the Program

Summary. For the avoidance of doubt, until approved in writing by Administrative Agent, any New Products reflected in the Program Summary

shall be deemed Non-Approved Products.

(iii)          Underwriting

Guidelines. Borrower shall provide Administrative Agent with prior written notice of any proposed material changes to the Underwriting

Guidelines. No less than once per calendar month, Borrower shall provide Administrative Agent an updated copy of the Underwriting Guidelines,

which highlights or otherwise clearly indicates all changes (including, for the avoidance of doubt, any non-material changes that do not

require Administrative Agent's prior written consent pursuant to Section 7.14(b)) made since the date Underwriting Guidelines

were last delivered to Administrative Agent hereunder.

(iv)          Applicable

States. Borrower shall provide Administrative Agent with prompt written notice of any modification of Schedule 1.01.

(b)            Borrower

shall promptly, and in any event within three (3) Business Days after any Responsible Officer of Borrower obtains actual knowledge,

or receives notice, thereof, notify Administrative Agent and each Lender of:

(i)            Defaults;

Events of Default. The occurrence of any Default or Event of Default;

(ii)           Matters

Involving a Material Adverse Effect. Any matter that has resulted or could reasonably be expected to result in a Material Adverse

Effect, including any such matter arising from: (i) any breach or non-performance of, or any default under, a Contractual Obligation

of any CCF Party or any Subsidiary thereof; (ii) any dispute, litigation, investigation, proceeding or suspension between any CCF

Party or any Subsidiary thereof and any Governmental Authority; or (iii) the commencement of, or any material development in, any

litigation or proceeding affecting any CCF Party or any Subsidiary thereof, including pursuant to any applicable Environmental Laws;

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(iii)          ERISA

Events. The occurrence of any ERISA Event that has resulted, or could reasonably be expected to result, in a Material Adverse Effect;

(iv)          Certain

Acquisitions. Any Acquisition, or the incurrence of any Contractual Obligations with respect to any Acquisition, by Borrower or any

Subsidiary thereof if the aggregate cash and non-cash consideration (including assumption of Debt) in connection with such Acquisition

is (or could reasonably be expected to become) $1,000,000.00 or more, which notice shall identify the related Acquiree(s), if any, the

anticipated closing date of such Acquisition and the aggregate cash and non-cash consideration (including assumption of Debt) to be paid

in connection with such Acquisition;

(v)           Certain

Asset Sales. Any Asset Sale, or the incurrence of any Contractual Obligations with respect to any Asset Sale, by Borrower or any Subsidiary

thereof if the aggregate cash and non-cash consideration (including assumption of Debt) in connection with such Asset Sale is (or could

reasonably be expected to become) $1,000,000.00 or more, which notice shall identify the related purchaser(s), the anticipated closing

date of such Asset Sale and the aggregate cash and non-cash consideration (including assumption of Debt) to be paid in connection with

such Asset Sale;

(vi)          Litigation.

Any (A) institution (by filing) of any litigation involving an alleged liability of any CCF Party equal to or greater than $500,000,

(B) adverse determination in any litigation against any CCF Party equal to or greater than $500,000, (C) institution (by filing)

of, or adverse determination in, any class action litigation against any CCF Party, or (D) any assertion of any allegation of fraud,

criminal conduct, misappropriation or other wrongful or illegal conduct on the part of any CCF Party except to the extent such assertion

could not reasonably be expected to result in a Material Adverse Effect;

(vii)         Regulatory

Action. Any complaint, order, citation, notice, request for information or other written communication from a Governmental Authority

or any other Person delivered to any CCF Party with respect to, or if any Responsible Officer of any CCF Party becomes actually aware

of (i) any material violation or alleged material violation by a CCF Party of any applicable Law, including, without limitation,

the Law of any Applicable State, (ii) any Regulatory Action;

(viii)        Financial

Matters. Any material change in accounting policies or financial reporting practices by Borrower or any Subsidiary thereof;

(i)            Legal

Matters. Any change to any Law materially affecting Borrower’s business;

(j)            Formation

of New Subsidiary. Any Credit Party forms a new Subsidiary;

(k)           Taxes.

Any proposed adjustments, reports, proceedings or investigations related to any material Taxes and any other material reports or notices

received by any CCF Party from, or filed by any CCF Party with, any Governmental Authority;

(l)            Liens.

Any incurrence (whether voluntary or involuntary) of any Debt or Liens not permitted by the terms of this Agreement;

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(m)          Borrowing

Base Shortfall, Cease Funding Event, Cease Funding Event (Defaulting Lender) and Backup Servicing Trigger Event. Any Credit Party

obtaining knowledge of the occurrence of any Borrowing Base Shortfall, Cease Funding Event, Cease Funding Event (Defaulting Lender), and/or

Backup Servicing Trigger Event; and

(n)           Facility

Documents. Any Credit Party obtaining knowledge of the occurrence of any “Material Adverse Effect”, “Default”

or “Event of Default” (in each case, as defined in the Term Loan Documents) under the Term Loan Documents.

Each notice pursuant to this

Section 6.03 shall be accompanied by a statement of a Responsible Officer of Borrower setting forth details of the occurrence

referred to therein and stating what action, if any, Borrower (or the other applicable Person) has taken or proposes to take with respect

thereto. To the extent applicable, each notice given pursuant to Section 6.03 shall describe with particularity any and all

provisions of this Agreement and any other Revolving Credit Document that have been (or could reasonably be expected to be) breached or

violated.

SECTION 6.04                    PAYMENT

OF CERTAIN OBLIGATIONS.

Borrower shall and shall cause

each of its Subsidiaries to pay and discharge prior to delinquency all material Tax liabilities, assessments and governmental charges

or levies upon their respective properties, unless the same are being contested in good faith by appropriate proceedings timely instituted

and diligently conducted by the applicable Person and such Person has set aside adequate reserves, if any, on its financial statements

in accordance with GAAP.

SECTION 6.05                    PRESERVATION

OF EXISTENCE, ETC.

Borrower shall and shall cause

each of its Subsidiaries (other than any Excluded Subsidiary or any Legacy CIC Subsidiary to be dissolved as part of an entity rationalization

plan, which entity rationalization plan has been provided to Administrative Agent in reasonable detail and approved by Administrative

Agent) to: (a) preserve, renew and maintain in full force and effect their respective legal existence and good standing under the

Laws of the jurisdiction of their organization except in a transaction permitted by Section 7.04 or Section 7.05;

(b) take all reasonable action to maintain all rights, privileges, permits, licenses and franchises necessary or desirable in the

normal conduct of their respective businesses, except to the extent that the failure to do so could not reasonably be expected to have

a Material Adverse Effect; and (c) preserve or renew all of their respective registered patents, trademarks, trade names and service

marks and other intellectual property, the non-preservation of which could reasonably be expected to have a Material Adverse Effect.

SECTION 6.06                    MAINTENANCE

OF PROPERTIES.

Borrower shall and shall cause

each of its Subsidiaries to: (a) maintain, preserve and protect all of their respective material properties and equipment necessary

to the operation of their respective businesses in good working order and condition, ordinary wear and tear excepted; and (b) make

all necessary repairs thereto and renewals and replacements thereof; in each of the foregoing clauses (a) and (b), except where

the failure to do so could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.

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SECTION 6.07

MAINTENANCE OF INSURANCE.

Borrower shall and shall cause

each of its Subsidiaries to maintain, with financially sound and reputable insurance companies not Affiliates of any Credit Party, property

and casualty insurance (including hazard insurance where customary) with respect to their respective properties and businesses against

loss or damage of the kinds customarily insured against by Persons engaged in the same or similar business, of such types and in such

amounts (after giving effect to any self-insurance compatible with the following standards) as are customarily carried under similar circumstances

by such other Persons, in each case naming Administrative Agent as an additional insured or loss payee, and will pay or ensure payment

of all premiums for such insurance coverage when due and prior to the expiration date of each policy maintained pursuant to this Section 6.07,

and shall deliver or cause to be delivered to Administrative Agent, certificates of insurance with respect to the renewal or replacement

thereof. Upon the request of the Administrative Agent, Borrower shall use commercially reasonable efforts to obtain (and thereafter, shall

maintain in force), with financially sound and reputable insurance companies not Affiliates of any Credit Party, an “errors and

omissions” insurance policy and/or an employee fidelity insurance policy, in each case (x) in an amount as determined by the

Administrative Agent in its Permitted Discretion and (y) naming Administrative Agent as an additional insured.

SECTION 6.08 COMPLIANCE

WITH LAWS.

Borrower shall and shall cause

each of its Subsidiaries to comply in all material respects with the requirements of all Laws and all orders, writs, injunctions and decrees

applicable to them or to their respective properties or businesses, except in such instances in which (a) such requirement of Law

or order, writ, injunction or decree is being contested in good faith by appropriate proceedings timely instituted and diligently conducted;

or (b) the failure to comply therewith could not reasonably be expected to have a Material Adverse Effect.

SECTION 6.09

BOOKS AND RECORDS.

Borrower shall and shall cause

each of its Subsidiaries to: (a) maintain proper books of record and account, in which full, true and correct (in all material respects)

entries in conformity with GAAP consistently applied are made of all financial transactions and matters involving their respective properties

and businesses; (b) maintain such books of record and account in material conformity with all applicable requirements of any Governmental

Authority having regulatory jurisdiction over them, as the case may be; and (c) preserve the electronic form of all Consumer Receivable

Documents stored on servers and back-up systems in native format, together with all metadata and any other embedded data, all in accordance

with any written document management policies of Borrower or such Subsidiary, as the case may be, which are satisfactory to Administrative

Agent in its Permitted Discretion. The electronic original of the documents and/or instruments evidencing the duty to repay each Consumer

Receivable shall clearly indicate that it is not intended to be a “transferable record” under UETA or otherwise, or, alternatively,

be an “authoritative” original held by an acceptable electronic document custodian. In the event that any Consumer Receivable

is evidenced by “tangible chattel paper” or “electronic chattel paper” (in each case, as defined in the UCC),

Borrower shall cooperate with Administrative Agent to execute custodial agreements and electronic control agreements and to deliver such

documents to Administrative Agent's custodian as Administrative Agent determines are necessary or advisable in order to preserve the Security

Interest of the Secured Parties in the Collateral.

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SECTION 6.10

INSPECTION RIGHTS; DATA ACCESS; BACK-UP SERVICER.

(a)            Borrower

shall and shall cause each of its Subsidiaries to permit representatives and independent contractors of Administrative Agent, Class B

Agent and each Lender selected by Administrative Agent, Class B Agent or such Lender, as the case may be, in the exercise of their

respective Permitted Discretion, to visit and inspect any of their respective properties, to examine their corporate, financial and operating

records, and make copies thereof or abstracts therefrom, and to discuss their respective affairs, finances and accounts with their respective

directors, officers, members, managers and independent public accountants, at such reasonable times during normal business hours and as

often as may be reasonably desired, upon three (3) Business Days' advance notice to Borrower, including, without limitation, in connection

with a semi-annual field audit and annual operational audit to be performed by Crowe LLP (or such other firm as Administrative Agent may

select) at Borrower’s sole cost and expense; provided that, when an Event of Default has occurred and is continuing, Administrative

Agent, Class B Agent or any Lender (or any of their respective representatives or independent contractors) may do any of the foregoing

at the expense of Borrower at any time during normal business hours and without advance notice and as many times as Administrative Agent

or any Lender may require.

(b)            Borrower

shall and shall cause each of its Subsidiaries to permit Administrative Agent, Class B Agent, Backup Servicing Agent and any other

representatives and independent contractors of Administrative Agent or Class B Agent to be provided with view only access to data

and information through the applicable system of record in order to view, monitor and reconcile (i) bank and transactional activity

and the Collateral as may be deemed necessary or desirable by Administrative Agent in its Permitted Discretion, (ii) the Consumer

Receivable Documents and all other credit and legal files evidencing or relating to the Consumer Receivables and other Collateral and

(iii) compliance with the terms of the Consumer Receivable Documents and the Revolving Credit Documents, including, without limitation,

all disbursement and payment activity in connection therewith.

SECTION 6.11

USE OF PROCEEDS.

Borrower shall use the proceeds

of the Revolving Credit Loans solely: (a) on the effective date of the Existing Revolving Credit Facility, to repay in full all Debt

outstanding under or in respect of the Original CCF Revolving Credit Agreement; (b) to pay the costs associated with preparing and

closing this Agreement and the other transactions contemplated hereby; and (c) otherwise, before and after giving effect to the calculation

of the Borrowing Base and any Borrowing Base Shortfall, for working capital, general corporate purposes and payment of dividends not in

contravention of any applicable Law or of any Revolving Credit Document, including the making of a Permitted Acquisition.

SECTION 6.12

FINANCIAL COVENANTS

(a)            Liquidity.

(1) As of the end of each calendar month, the Liquidity (CCF Holdings) of CCF Holdings and its Subsidiaries on a consolidated basis

shall not be less than $75,000,000; and (2) as of the end of each calendar month, the Liquidity (Borrower) of the Borrower and its

Subsidiaries on a consolidated basis shall not be less than $25,000,000.

(b)           CCF Holdings Leverage Ratio. As of the last day of each Fiscal Quarter beginning with the Fiscal Quarter

ending on December 31, 2023, the Leverage Ratio (CCF Holdings) shall not be greater than 5.00 to 1.00.

Holdings Interest Coverage Ratio. As of the last day of each Fiscal Quarter beginning with the Fiscal Quarter ending on December 31,

2023, the Interest Coverage Ratio (CCF Holdings) shall not be less than 1.30 to 1.00.

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(d)            Borrower

Consolidated Adjusted EBITDA. As of the last day of each Fiscal Quarter beginning with the Fiscal Quarter ending on December 31,

2023, the Consolidated Adjusted EBITDA (Borrower) of the Borrower and its Subsidiaries on a consolidated basis for such Fiscal Quarter

shall not be less than $12,000,000.

(e)            Tangible

Asset Coverage Ratio. As of the last day of each Fiscal Quarter beginning with the Fiscal Quarter ending on September 30,

2023, the Tangible Asset Coverage Ratio of the Borrower and its Subsidiaries on a consolidated basis for such Fiscal Quarter shall not

be less than 110%.

(f)            Maximum

Total Debt. CCF Holdings and its Subsidiaries shall not maintain at any time as of the end of any Fiscal Quarter of Borrower,

beginning with the Fiscal Quarter ending on December 31, 2023, CCF Consolidated Total Debt that is more than $1,200,000,000. For

purposes of this clause (f), “CCF Consolidated Total Debt” means, as at any date of determination, the aggregate

stated balance sheet amount of all Debt (excluding, for the purposes of this calculation, the Swap Termination Value under all Swap Contracts

to which such Person is a party) of Parent and its Subsidiaries, determined on a consolidated basis in accordance with GAAP.

(g)            Tangible

Net Worth (Borrower). As of the last day of each Fiscal Quarter beginning with the Fiscal Quarter during which the Katapult Merger

Transaction is consummated, the Tangible Net Worth of the Borrower and its Subsidiaries on a consolidated basis for such Fiscal Quarter

shall not be less than -$210,000,000. For the avoidance of doubt, this Tangible Net Worth (Borrower) covenant shall only be effective

if the Katapult Merger Transaction is consummated.

SECTION 6.13

Deposit Accounts; Collections; Cash Management

(a)            The

CCF Parties shall take all actions necessary to maintain, preserve and protect the rights of Administrative Agent, for the benefit of

itself and the Lenders, with respect to all proceeds of Collateral in accordance with Administrative Agent’s first-priority security

interest (other than with respect to perfection over any Zero Balance Account and any CIC Existing Account as permitted in the Administrative

Agent’s Permitted Discretion).

(b)            The

Credit Parties shall cause all Net Collections of Collateral (including, without limitation, all proceeds of Eligible Consumer Receivables)

to be deposited into a Concentration Account in strict compliance with the Flow of Funds, or, after the occurrence and during the continuance

of an Event of Default, as Administrative Agent may otherwise direct in writing in its Permitted Discretion. With respect to any funds

collected directly by any Credit Party or any servicing agent or Backup Servicing Agent with respect to the Collateral (including, without

limitation, all proceeds of Eligible Consumer Receivables), such recipient shall cause the Net Collections portion of such funds to be

deposited into a Concentration Account no later than two (2) Business Days following receipt thereof. Each Credit Party shall cause

the Net Collections portion of all proceeds from all Charge-Offs to be deposited promptly into a Concentration Account.

Credit Parties shall cause any and all Processors to handle all Collections (including, without limitation, all proceeds of Eligible Consumer

Receivables) in strict compliance with the Flow of Funds and, if applicable, an in-force Processor Direction Letter. In furtherance and

not in limitation of the foregoing, the Credit Parties shall (A) not take any action to interfere with any Processor depositing Collections

received by such Processor in accordance with the Flow of Funds, and (B) not direct any Processor not to deposit all Net Collections

received by such Processor in accordance with the Flow of Funds.

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(d)            At

all times, each Deposit Account (other than any Excluded Account, CIC Existing Account or Zero Balance Account) shall be subject to an

Account Control Agreement pursuant to which Administrative Agent, for the benefit of itself and the Lenders, has “springing control”.

Following Administrative Agent’s written request and at all times thereafter, the Credit Parties and Administrative Agent shall

have access to the statements and status of the Deposit Accounts and will be entitled to receive periodic account statements with respect

thereto. The Credit Parties shall take all steps reasonably requested by Administrative Agent to ensure that Administrative Agent has

full online access to view the Deposit Accounts (other than any Excluded Account), in the same manner as the applicable Credit Party has

as a customer of the applicable Deposit Account Bank.

(e)            The

Credit Parties shall cause (i) each Concentration Account Bank to remit, collectively, on a daily basis, an aggregate amount equal

to Borrower’s Available Funds to the Borrower Funding Account, and (ii) the Concentration Account Bank (Master) to distribute

all funds on deposit in the Concentration Account (Master), on a weekly basis, in accordance with the priorities set forth in Section 2.09.

(f)            Each

Credit Party hereby irrevocably makes, constitutes and appoints Administrative Agent (and all Persons designated by Administrative Agent

for that purpose, including any servicing agent or Backup Servicing Agent) as such Credit Party’s true and lawful attorney and agent-in-fact,

to do any of the following at Administrative Agent’s sole election (and Administrative Agent shall not have any obligations to do

so) after the occurrence and during the continuance of an Event of Default or a Backup Servicing Trigger Event: (i) to endorse the

name of such Credit Party upon all authorizations to transfer any funds out of the Concentration Accounts and any other Deposit Accounts

(other than any Excluded Account) maintained by or on behalf of such Credit Party as contemplated by the Revolving Credit Documents, or

upon any chattel paper, document, instrument, invoice or similar document or agreement relating to any of the Collateral; (ii) to

take control in any manner of any item of payment or proceeds thereof relating to the Collateral; (iii) to have access to any lock

box or postal box into which mail of such Credit Party related to the Eligible Consumer Receivables financed by the Lenders is deposited;

and (iv) to open and process all mail addressed to such Credit Party and deposited therein related to the Eligible Consumer Receivables

financed by the Lenders. The power of attorney granted herein shall be deemed an agency, coupled with an interest and irrevocable, and

not subject to termination without the consent of Administrative Agent. For the avoidance of doubt, Administrative Agent covenants and

agrees with the Credit Parties that it shall not exercise the foregoing power of attorney referred to in this Section 6.13(f) unless

an Event of Default or a Backup Servicing Trigger Event has occurred and is continuing.

(g)            Each

Credit Party covenants and agrees that, notwithstanding the maximum threshold amounts set forth in the definitions of Aggregate Cash-in-Store

and Aggregate Cash-in-Transit, respectively, each Credit Party shall use commercially reasonable efforts to maintain Cash held in a CCF

Store vault and Cash in-transit to a CCF Store at the minimum levels necessary to conduct its business and to cause all Collections in

excess of such minimum levels to be deposited in, or remain on deposit in, a Concentration Account.

(h)            Each

Credit Party that maintains one or more Zero Balance Accounts or existing CIC Existing Accounts shall deliver a fully executed, original

Power of Attorney to Administrative Agent.

(i)            [Intentionally

Deleted].

(j)            On

or before August 30, 2025, Borrower shall cause Administrative Agent to be used as its principal depository bank, including for the

maintenance of business, cash management, operating and administrative Deposit Accounts for the term of this Agreement, with not less

than fifty percent (50%) of all deposits (excluding those of Sparrow and TMX) in Deposit Accounts held with Administrative Agent, including

but not limited to, the Borrower Funding Account Bank and Concentration Account Bank (Master).

Page 89

SECTION 6.14

FURTHER ASSURANCES.

Promptly upon the written

request by Administrative Agent, Borrower shall and shall cause each of its Subsidiaries to take such further acts (including the acknowledgement,

execution, delivery, recordation, filing and registering of documents) as may reasonably be required from time to time to: (a) carry

out more effectively the purposes of this Agreement or any other Revolving Credit Document; (b) subject to the Liens created by any

of the Collateral Documents any of the properties, rights or interests covered by any of the Collateral Documents or any other properties,

rights or interests (including real property) acquired by Borrower or any Subsidiary thereof following the Closing Date; (c) perfect

and maintain the validity, effectiveness and priority of the Liens created or intended to be created by any of the Revolving Credit Documents;

and (d) better assure, convey, grant, assign, transfer, preserve, protect and confirm to Administrative Agent the rights, remedies

and privileges existing or granted or now or hereafter intended to be granted to such Persons under any Revolving Credit Document or other

document executed in connection therewith. Without limiting the generality of the foregoing, Borrower shall cause any Person that becomes

a Subsidiary (other than an Excluded Subsidiary) of Borrower following the Closing Date to: (1) within three (3) Business Days

of such Person becoming a Subsidiary of Borrower, enter into a Joinder Agreement or otherwise deliver a Guaranty; and (2) as soon

as commercially practicable and in any event within thirty (30) days (or such longer period as approved by Administrative Agent in writing)

of such Person becoming a Subsidiary, enter into such Collateral Documents and Account Control Agreements as shall be required by Administrative

Agent so as to create, perfect and protect a Lien in favor of Administrative Agent in all of the properties of such Person which constitute

Collateral; and Borrower shall deliver or cause to be delivered to Administrative Agent, such opinions, certificates and other documents

as Administrative Agent shall reasonably require.

SECTION 6.15                     POST-CLOSING

DELIVERIES.

(a)            Borrower

shall and shall cause each of its Subsidiaries to comply with the requirements of Schedule 6.15 in accordance with the terms thereof.

(b)            In

the event that Consumer Receivables originated by any Credit Party organized under the laws of any State exceed five percent (5%) of all

Consumer Receivables originated by the Credit Parties, Borrower shall cause each Credit Party organized in such State to deliver to Administrative

Agent and Lenders such opinions, certificates and other documents as Administrative Agent shall reasonably require to the extent that

such opinions, certificates and other documents were not delivered on the Closing Date.

SECTION 6.16                     SANCTIONS;

ANTI-CORRUPTION LAWS.

Each Credit Party will maintain

in effect policies and procedures designed to promote compliance by each Credit Party, its Subsidiaries, and their respective directors,

officers, employees, and agents with applicable Sanctions and with the FCPA and any other applicable anti-corruption laws.

Page 90

Article 7

NEGATIVE COVENANTS

So long as any Lender shall

have any Commitment hereunder, any Revolving Credit Loan or other Obligation (other than unasserted contingent indemnification obligations)

hereunder shall remain unpaid or unsatisfied, Borrower shall not and shall not permit any Subsidiary of Borrower directly or indirectly

to:

SECTION 7.01                     LIENS.

Create, incur, assume or suffer

to exist any Lien upon any of its property, assets or revenues, whether now owned or hereafter acquired, other than any of the following

(collectively, “Permitted Liens”):

(a)            any

Lien created under any Revolving Credit Document or any Term Loan Agreement;

(b)            any

Lien for Tax liabilities, assessments and governmental charges or levies arising in the ordinary course of business that are not yet due

or to the extent that non-payment thereof is permitted by Section 6.04; so long as (i) (A) no notice of lien has

been filed or recorded under the Code, or (B) payment in respect of any such Lien is being properly contested in good faith by appropriate

proceedings, and (ii) in each case, such Liens could not reasonably be expected to cause, individually or in the aggregate, a Material

Adverse Effect or a Cease Funding Event;

landlord’s, grower’s, supplier’s, producer’s, carrier’s, warehouseman’s, mechanic’s, materialman’s,

repairman’s or other like Lien arising in the ordinary course of business that is not overdue for a period of more than thirty (30)

days or that is being contested in good faith and by appropriate proceedings timely instituted and diligently conducted, if adequate reserves

with respect thereto, if any, in accordance with GAAP are set aside on the financial statements of the applicable Person;

(d)            any

pledge or deposit in the ordinary course of business in connection with workers’ compensation, unemployment insurance and other

social security legislation, other than any Lien imposed by ERISA;

(e)            any

deposit to secure the performance of bids, trade contracts or leases (other than Debt) or letters of credit issued in lieu of such deposits,

statutory obligations, surety bonds (other than bonds related to judgments or litigation), performance bonds and other obligations of

a like nature, in each case, incurred in the ordinary course of business;

(f)            any

lease, sublease, easement, right-of-way, encroachment, restriction or other similar encumbrance affecting real property that, when aggregated

with all other such Liens, is not substantial in amount, and that does not in any case materially detract from the value of the property

subject thereto or materially interfere with the ordinary conduct of the business of the applicable Person;

(g)            any

Lien securing a judgment for the payment of money not constituting an Event of Default under Section 8.01(h) or securing

an appeal or other surety bond related to any such judgment;

(h)            any

Lien existing on any property prior to the acquisition thereof by Borrower or any Subsidiary thereof or existing on any property of any

Person at the time such Person is merged into or consolidated with Borrower or a Subsidiary of Borrower; provided that: (i) such

Lien is not created in contemplation of or in connection with such acquisition or such Person being merged into or consolidated with Borrower

or any Subsidiary of Borrower, as the case may be; (ii) such Lien shall not apply to any other property or assets of Borrower or

any Subsidiary thereof; and (iii) such Lien shall secure only those obligations which it secures on the date of such acquisition

or the date such Person is merged into or consolidated with Borrower or any Subsidiary of Borrower, as the case may be;

Page 91

(i)            any

Lien securing Debt permitted by Section 7.03(f) covering only the assets acquired with such Debt and directly related

assets such as proceeds (including insurance proceeds), products, replacements, substitutions and accessions thereto;

(j)            any

Lien arising solely by virtue of any statutory or common law provision relating to banker’s liens, rights of set-off or similar

rights and remedies as to deposit accounts or other funds maintained with a creditor depository institution; provided that: (i) such

deposit account is not a dedicated cash collateral account and is not subject to restrictions against access by Borrower or any Subsidiary

thereof in excess of those set forth by regulations promulgated by the FRB; and (ii) such deposit account is not intended by Borrower

or any Subsidiary thereof to provide collateral to the depository institution;

(k)            the

right of a licensee under a license agreement entered into by Borrower or any Subsidiary thereof, as licensor, in the ordinary course

of business for the use of intellectual property or other intangible assets of Borrower or any such Subsidiary; provided that,

in the case of any such license granted by Borrower or any such Subsidiary on an exclusive basis: (i) such Person shall have determined

in its reasonable business judgment that such intellectual property or other intangible assets are no longer useful in the ordinary course

of business; (ii) such license is for the use of intellectual property or other intangible assets in geographic regions in which

Borrower or any Subsidiary thereof does not have material operations or in connection with the exploitation of any product not then produced

or planned to be produced by Borrower or any Subsidiary thereof; or (iii) such license is granted in connection with a transaction

otherwise permitted by this Agreement in which a third party acquires the right to manufacture or sell any product covered by such intellectual

property or other intangible assets from Borrower or such Subsidiary; provided further that, in the case of clauses (ii) and

(iii) of this subsection (m), Borrower or such Subsidiary has determined that it is in its best economic interest to grant such

license;

(l)            any

Liens in favor of Borrower or a Subsidiary Guarantor;

(m)            any

customary banker’s Liens in favor of banking institutions (including the right of setoff) encumbering Deposit Accounts maintained

at such banking institutions by Borrower or any Subsidiaries that are within the general parameters in the banking industry or arising

pursuant to such banking institution’s general terms and conditions;

(n)            Liens

arising from filings of UCC financing statements or similar documents regarding leases or otherwise for precautionary purposes relating

to arrangements not constituting Debt;

(o)            Liens

described on Schedule 7.01;

(p)            Liens

arising in connection with any Approved CSO or Approved CSO Agreements;

(q)            Liens

solely on any cash earnest money deposits made by Borrower or any of its Subsidiaries in connection with any letter of intent or purchase

agreement with respect to transaction that is related to a New Product or an Existing Product that has been approved by Administrative

Agent or is otherwise permitted under this Agreement;

(r)            Liens

on cash constituting bonus or other similar prepayments made to a Credit Party; and

(s)            Liens

extending, renewing or replacing any of the foregoing.

Page 92

SECTION 7.02                     INVESTMENTS.

Make any Investments, except:

(a)            Investments

in cash and Cash Equivalents;

(b)            Investments

arising from transactions by Borrower or any Subsidiary thereof with customers or suppliers in the ordinary course of business, including

Investments (including debt obligations) received in connection with the bankruptcy or reorganization of customers and suppliers and in

settlement of delinquent obligations of, and other disputes with, customers or suppliers arising in the ordinary course of business;

to officers, directors, employees, shareholders, partners or members of Borrower or any Subsidiary thereof for travel, entertainment,

relocation and analogous ordinary business purposes in a maximum aggregate amount at any time outstanding not to exceed $50,000;

(d)            Investments

of Borrower in any Subsidiary Guarantor;

(e)            any

Permitted Acquisition;

(f)            Investments

made for the benefit of employees of Borrower or any Subsidiary thereof for the purposes of deferred compensation;

(g)            Guarantees

permitted by Section 7.03(c);

(h)            Investments

consisting of Swap Contracts permitted by Section 7.03(d);

(i)            Investments

consisting of Capital Expenditures to the extent not prohibited by the Term Loan Documents;

(j)            [Intentionally

Omitted];

(k)            Investments

in a new Subsidiary; provided such new Subsidiary executes a joinder hereto;

(l)            any

Investment existing on the date of this Agreement or made pursuant to binding commitments in effect on the date of this Agreement or an

Investment consisting of any extension, modification or renewal of any Investment existing on the date of this Agreement; provided

that the amount of any such Investment may only be increased (x) as required by the terms of such Investment as in existence on the

date of this Agreement or (y) as otherwise permitted under this Agreement;

(m)            Investments

in prepaid expenses, negotiable instruments held for collection and lease, utility and workers’ compensation, performance and other

similar deposits;

(n)            Investments

consisting of non-cash consideration received in the form of securities, notes or similar obligations in connection with dispositions

of obsolete or worn out assets permitted pursuant to this Agreement;

(o)            Any

credit services organization program that would otherwise constitute an Investment;

(p)            Investments

consisting of obligations of officers and employees to Borrower or its Subsidiaries in connection with such officers’ and employees’

acquisition of Equity Interests in Borrower (other than Disqualified Equity Interests) so long as no cash is actually advanced by Borrower

or any of its Subsidiaries in connection with the acquisition of such obligations;

Page 93

(q)            other

Investments in any Person having an aggregate fair market value (measured on the date each such Investment was made and without giving

effect to subsequent changes in value), when taken together with all other Investments made pursuant to this clause (q) that are

at the time outstanding, not to exceed the greater of $10,000,000 and 3.5% of the consolidated total trailing twelve-month revenue of

the Borrower; and

(r)            any

Investment by the Borrower or any of its Subsidiaries in a Person that is engaged in a similar business if as a result of such Investment:

(x) such Person becomes a Subsidiary and a Subsidiary Guarantor; or (y) such Person, in one transaction or a series of related

transactions, is merged, amalgamated or consolidated with or into, or transfers or conveys substantially all of its assets to, or is liquidated

into, the Borrower or a Subsidiary Guarantor, and, in each case, any Investment held by such Person; provided that such Investment

was not acquired by such Person in contemplation of such acquisition, merger, amalgamation, consolidation or transfer.

SECTION 7.03                     DEBT.

Create, incur, assume or suffer

to exist any Debt, except:

(a)            Debt

under the Revolving Credit Documents;

(b)            Debt

under the Term Loan Documents;

omitted];

(d)            Swap

Contracts entered into with the consent of Administrative Agent for the purpose of fixing or hedging (A) interest rate risk with

respect to any floating rate Debt that is permitted by the terms of this Agreement to be outstanding or (B) currency exchange risk

in connection with financial obligations in the ordinary course of business and not for purposes of speculation;

(e)            Debt

evidenced by that certain Paycheck Protection Program Promissory Note and Agreement dated May 4, 2020 by and between Creditcorp and

Wells Fargo Bank, National Association;

(f)            Debt

in respect of: (i) capital leases; (ii) Synthetic Lease Obligations; and (iii) purchase money obligations for the purpose

of financing (or refinancing) all or any part of the purchase price or cost of construction or improvement of property (real or personal),

plant or equipment used in the business of Borrower or such Subsidiary that, added to all other Debt permitted pursuant to this clause

(f) and then outstanding will not exceed (A) $10,000,000, so long as such Debt is incurred or issued at the date of such purchase,

or completion of such construction or improvement, or within 270 days thereafter, plus (B) the amount of any fees and expenses

incurred in connection with any financing transaction or refinancing;

(g)            Debt

in respect of: (i) workers’ compensation claims or obligations in respect of health, disability or other employee benefits;

(ii) property, casualty or liability insurance or self-insurance; (iii) completion, bid, performance, appeal or surety bonds

issued for the account of Borrower or any Subsidiary thereof; or (iv) bank guarantees, letters of credit, bankers’ acceptances

and other similar obligations not constituting Debt for borrowed money; in each of the foregoing cases, to the extent incurred in the

ordinary course of business;

Page 94

(h)            intercompany

Debt of Borrower or any Subsidiary owing to and held by Borrower or any Subsidiary; provided that (i)if

Borrower or any Subsidiary Guarantor is the obligor on such Debt and any Subsidiary (other than a Subsidiary Guarantor) is the obligee

thereof, such Debt must be acceptable to Administrative Agent and Class B Agent, each in its Permitted Discretion, and also be unsecured

and expressly subordinated to the prior Discharge of Secured Obligations and the prior satisfaction of all Obligations (including, with

respect to any Subsidiary Guarantor, its obligations under Section 10.14), and (ii)Debt

owed to Borrower or any Subsidiary Guarantor must be evidenced by an unsubordinated promissory note pledged to Administrative Agent under

the applicable Collateral Document;

(i)            [intentionally

omitted];

(j)            Debt

consisting of promissory notes or similar Debt issued by Borrower or any Subsidiary of Borrower to current, future or former officers,

directors and employees thereof, or to their respective estates, spouses or former spouses, in each case to finance the purchase or redemption

of Equity Interests of Borrower or a Subsidiary of Borrower to the extent described in clause (p) of Section 7.02;

(k)            Debt

arising from the honoring by a bank or other financial institution of a check, draft or similar instrument inadvertently (except in the

case of daylight overdrafts) drawn against insufficient funds in the ordinary course of business;

(l)            Debt

arising from agreements of Borrower or any of its Subsidiaries providing for indemnification, adjustment of purchase price, earnouts or

similar obligations, in each case, incurred in connection with the disposition of any business, assets or Subsidiary, other than guarantees

of Debt incurred by any Person acquiring all or any portion of such business, assets or Subsidiary for the purpose of financing such acquisition;

provided that the maximum aggregate liability in respect of all such Debt shall at no time exceed the gross proceeds actually received

by Borrower or such Subsidiary in connection with such disposition;

(m)            Debt

described on Schedule 7.03;

(n)            other

unsecured Debt (other than Debt subordinated to the Obligations); provided that the aggregate principal amount of all such unsecured Debt

permitted by this Section 7.03(n) shall not exceed $5,000,000 at any time outstanding; and

(o)            Any

obligation, or guaranty of any obligation, of Borrower or a Subsidiary Guarantor to reimburse or indemnify a Person extending credit a

customer of Borrower or a Subsidiary Guarantor for all or a portion of the amounts payable by the applicable customer to such Person incurred

in connection with an Approved CSO or other Approved Product.

SECTION 7.04                     FUNDAMENTAL

CHANGES.

(a)            Engage

in any material line of business substantially different from those lines of business conducted by Borrower and its Subsidiaries on the

date hereof or any Related Business; or

Page 95

(b)            Merge,

dissolve, liquidate, consolidate with or into another Person, or Dispose of (whether in one transaction or in a series of transactions)

all or substantially all of its assets (whether now owned or hereafter acquired) to or in favor of any Person, except that:

(i)            any

Subsidiary of Borrower may merge with: (A) Borrower, provided that Borrower shall be the continuing or surviving Person; or

(B) any one or more other Subsidiaries of Borrower, provided that all of the following conditions are met: (i) when any

wholly-owned Subsidiary of Borrower is merging with another Subsidiary of Borrower, then another wholly-owned Subsidiary of Borrower shall

be the continuing or surviving Person and (ii) when the merger involves a Subsidiary Guarantor, then another Subsidiary Guarantor

shall be the continuing or surviving Person or shall promptly become a Subsidiary Guarantor;

(ii)            any

Subsidiary of Borrower may Dispose of all or substantially all of its assets (upon voluntary liquidation or otherwise) to Borrower or

to another Subsidiary of Borrower; provided that if the transferor in such a transaction is a Subsidiary Guarantor or a wholly-owned

Subsidiary of Borrower, then the transferee must either be Borrower or a Subsidiary Guarantor or shall promptly become a Subsidiary Guarantor;

(iii)           any

Subsidiary of Borrower may dissolve so long as concurrently therewith such Subsidiary conveys to Borrower or another Subsidiary Guarantor

all of its assets;

(iv)           Borrower

or any Subsidiary thereof may consummate any Acquisition permitted under Section 7.02(e); and

(v)            Borrower

or any Subsidiary may consummate or approve the consummation of the dissolution or winding down, as the case may be, of any of the dormant

or immaterial Subsidiaries set forth on Schedule 7.04(b)(iv) as of the Closing Date, provided that such election is made in

the exercise of their good faith business judgment and such dormant or immaterial Subsidiary (1) does not have any Cash or other

assets at the effective time of such dissolution or winding down or (2) all such Cash and/or assets of such Subsidiary are transferred

to a Credit Party prior to or substantially concurrently with such dissolution or winding down; or

any voluntary, optional payment or prepayment on account of, or optional redemption or acquisition for value of any portion of, any Debt

(other than that arising under the Revolving Credit Documents or the Term Loan Documents subject to the terms and conditions in the Revolving

Credit Documents or the Term Loan Documents); or (ii) otherwise agree to amend, modify or otherwise alter: (A) the payment terms

(including any provisions regarding interest rates, principal or interest payment or prepayment amounts, total principal amounts or similar

or related terms and provisions) of or subordination provisions respecting any such Debt (including Permitted Subordinated Debt); or (B) any

other provision of such Debt (including Permitted Subordinated Debt) except to the extent that: (1) no Event of Default has occurred

and is continuing at the time or results by virtue of any such amendment, modification or other alteration; or (2) such amendment,

modification or other alteration could not reasonably be expected to have a Material Adverse Effect.

SECTION 7.05                     DISPOSITIONS.

Make any Disposition or enter

into any agreement to make any Disposition, except:

(a)            Dispositions

of used, obsolete, surplus or worn out property, whether now owned or hereafter acquired, in the ordinary course of business and the abandonment

or other Disposition of intellectual property that is, in the reasonable judgment of Borrower, no longer economically practicable to maintain

or useful in the conduct of the business of Borrower and its Subsidiaries, taken as a whole;

(b)            Dispositions

of inventory in the ordinary course of business;

Page 96

of equipment or real property to the extent that: (i) such property is exchanged for credit against the purchase price of similar

replacement property; (ii) the proceeds of such Disposition are reasonably promptly applied to the purchase price of such replacement

property; or (iii) the proceeds of such Disposition are promptly deposited into a Concentration Account;

(d)            Dispositions

of property by Borrower or any Subsidiary thereof to Borrower or to a wholly-owned Subsidiary of Borrower; provided that, if the

transferor of such property is Borrower or a Subsidiary Guarantor, the transferee thereof must be Borrower or a Subsidiary Guarantor or

promptly become a Subsidiary Guarantor;

(e)            Dispositions

permitted by Section 7.04(b)(i), Section 7.04(b)(ii), Section 7.04(b)(iv) or Section 7.04(b)(v);

(f)            Dispositions

of bad debt in the ordinary course of business;

(g)           (i) the

unwinding of any Swap Contract; (ii) to the extent permitted hereunder, Restricted Payments; and (iii) to the extent permitted

hereunder and otherwise constituting Dispositions, Investments;

(h)           Dispositions

of cash and Cash Equivalents;

(i)            Dispositions

of accounts receivable in connection with the compromise, settlement or collection thereof in the ordinary course of business; and

(j)            Dispositions

of CCF Stores with a value in the aggregate not to exceed $1,000,000 during any fiscal year of Borrower;

provided that (i) any Disposition

pursuant to any of the foregoing subsections of this Section 7.05 shall be for not less than fair market value unless otherwise

agreed by Administrative Agent and Class B Agent, each in its Permitted Discretion, and (ii) Borrower shall provide Administrative

Agent with written notice of any Disposition made pursuant to Section 7.05(c)(ii) or (j) to extent such Disposition

exceeds $1,500,000 in the aggregate.

SECTION 7.06                     RESTRICTED

PAYMENTS.

Declare or make, directly

or indirectly, any Restricted Payment, or incur any obligation (contingent or otherwise) to do so, except that:

(a) the Borrower may

make payments to any direct or indirect parent entity to permit such direct or indirect parent entity to pay: (x) in the event the

Borrower files (or is included in) a consolidated, combined, unitary or similar type tax return with such parent entity, U.S. federal

and state and local income taxes then due and payable pursuant to those returns, provided that the amount of such distributions shall

not be greater in the aggregate than the amount of such taxes that would have been due and payable by the Borrower and its relevant Subsidiaries

had the Borrower and its relevant Subsidiaries filed a hypothetical consolidated, combined, unitary or similar type return with Borrower

treated as the consolidated parent, provided further, that such payments are actually used to pay such taxes and that any tax refunds

received by such direct or indirect parent entity that are attributable to the Borrower or its Subsidiaries shall be promptly returned

to the Borrower (collectively, “Tax Distributions”), and (y) franchise and excise taxes, and related fees

and expenses, incurred in the ordinary course of business and required to be paid to maintain the corporate or other existence of any

such direct or indirect parent entity;

Page 97

(b) so long as no Subordination

Event has occurred and is continuing or would result from such payment and Borrower is, and following such payment will be, in compliance

with the financial covenants set forth in Section 6.12, at the election of the board of directors of Borrower, Borrower may

make distributions from amounts released to the Borrower pursuant to Section 2.09(b)(x) to CCF Intermediate Holdings

LLC in an amount not to exceed the amount sufficient to cause CCF Holdings to receive the amount of dividends to be distributed by CCF

Holdings with respect to the CCF Preferred Units after giving effect to both (i) CCF Intermediate Holdings making a distribution

ratably with respect to all its outstanding Equity Interests and (ii) all amounts received by CCF Holdings, directly or indirectly,

with respect to such distribution.”; and

of doubt and in addition to all other restrictions contained herein, no Restricted Payment may be made to any Person (other than Borrower)

in respect of Equity Interests issued by CreditCorp.

SECTION 7.07                     [INTENTIONALLY

OMITTED].

SECTION 7.08                     TRANSACTIONS

WITH AFFILIATES.

Enter into any transaction

of any kind with any Affiliate of Borrower, irrespective of whether in the ordinary course of business, other than on fair and reasonable

terms substantially as favorable to Borrower or a Subsidiary of Borrower as would be obtainable by such Person at the time in a comparable

arm’s-length transaction with a Person other than an Affiliate, provided that the foregoing restriction shall not apply to:

(a)            transactions

between or among Borrower and any Guarantor or between or among Guarantors;

(b)            Restricted

Payments permitted hereunder;

contemplated by Sections 7.02(c), (f) and (p);

(d)            Guarantees

permitted by Section 7.03(c);

(e)            arrangements

that do not violate Sections 7.03(h), (j) or (l);

(f)            existing

arrangements and other transactions and arrangements with variable interest entities described on Schedule 7.08;

(g)            the

payment of reasonable and customary fees and compensation paid to, and indemnities and reimbursements and employment and severance arrangements

provided on behalf of, or for the benefit of, future, current or former officers, directors, employees or consultants of the Borrower,

any Parent Entity or any of its Subsidiaries; provided that any such severance arrangements provided on behalf of officers, directors

or senior management of the Borrower or any Parent Entity are or have been approved by the Compensation Committee of the Borrower’s

board of directors and are not otherwise prohibited by the Credit Documents or the Term Loan Documents;

(h)            payments

or loans (or cancellation of loans) to employees, directors or consultants of the Borrower, any Parent Entity or any of its Subsidiaries

and employment agreements, stock option plans and other similar arrangements with such employees, directors or consultants that, in each

case, that are approved by the board of directors of the Borrower in good faith and are not otherwise prohibited by the Credit Documents

or the Term Loan Documents;

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(i)            payments

to any future, current or former employee, director, officer or consultant of the Borrower, any Parent Entity or any of its Subsidiaries

pursuant to any management equity plan or stock option plan or any other management or employee benefit plan or agreement or any stock

subscription or shareholder agreement; and any employment agreements, stock option plans and other compensatory arrangements (and any

successor plans thereto) and any health, disability and similar insurance or benefit plans or supplemental executive retirement benefit

plans or arrangements with any such employees, directors, officers or consultants that are, in each case, approved by the board of directors

of the Borrower in good faith and not otherwise prohibited by the Credit Documents or the Term Loan Documents;

(j)            payments

by Borrower and any Subsidiary Guarantor pursuant to tax sharing agreements;

(k)            intellectual

property licenses entered into between Borrower and any Subsidiary Guarantor in the ordinary course of business; and

(l)            transactions

under agreements described on Schedule 7.08.

SECTION 7.09                     BURDENSOME

AGREEMENTS.

Enter into any Contractual

Obligation (other than this Agreement or any other Revolving Credit Document or Term Loan Document) that: (a) limits the ability:

(i) of any Subsidiary of Borrower to make Restricted Payments to Borrower or to otherwise transfer property to Borrower; (ii) of

any Subsidiary of Borrower to Guarantee the Debt of Borrower; or (iii) of Borrower or any Subsidiary thereof to create, incur, assume

or suffer to exist Liens on property of such Person; provided that this subclause (iii) shall not prohibit any negative

pledge incurred or provided in favor of any holder of Debt permitted under Sections 7.03(b), (d), (e) or (f) solely

to the extent that any such negative pledge relates to the property financed by or the subject of such Debt; or (b) requires the

grant of a Lien to secure an obligation of such Person if a Lien is granted to secure another obligation of such Person.

SECTION 7.10                     USE

OF PROCEEDS.

Use the proceeds of any Revolving

Credit Loans, whether directly or indirectly, and whether immediately, incidentally or ultimately, to purchase or carry margin stock (within

the meaning of Regulation U of the FRB) or to extend credit to others for the purpose of purchasing or carrying margin stock or to

refund indebtedness originally incurred for such purpose.

SECTION 7.11                     CERTAIN

GOVERNMENTAL REGULATIONS.

Borrower

will not, and will not permit any Subsidiary or Related Party to, (a)be or become subject at any

time to any Law, regulation, or list of any government agency (including the United States Office of Foreign Asset Control list) that

prohibits or limits any Lender from making any loans or extension of credit (including the Revolving Credit Loans ) to any Credit Party

or from otherwise conducting business with any Credit Party, or (b)fail to provide documentary and

other evidence of any Credit Party’s identity as may be requested by any Lender at any time to enable such Lender to verify any

Credit Party’s identity or to comply with any applicable Law or regulation, including Section 326 of the Act.

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SECTION 7.12                     AMENDMENT

OF MATERIAL DOCUMENTS.

Borrower will not, and will

not permit any of the Subsidiaries to:

(a)            in

the case of Borrower or any Subsidiary Guarantor, modify or restate its name unless Administrative Agent receives notice of such change

promptly, but in any event within thirty (30) days’ after such change is effected, or reincorporate or reorganize under the laws

of any jurisdiction, and Borrower shall deliver to Administrative Agent UCC financing statements and other Collateral Documents as shall

be required by Administrative Agent in its Permitted Discretion to continue, create, perfect and protect, as the case may be, a Lien in

favor of Administrative Agent in all of the properties of such Person which constitute Collateral, together with such legal opinions confirming

perfection, certificates and other documents as Administrative Agent shall require in its Permitted Discretion; and/or

(b)            amend,

supplement modify or waive any of its rights under its Organizational Documents, other than amendments, modifications or waivers that

could not reasonably be expected to adversely affect Administrative Agent or the Lenders; provided that Borrower shall deliver

or cause to be delivered to Administrative Agent a copy of each such amendment, modification or waiver promptly after the execution and

delivery thereof.

SECTION 7.13                     DISQUALIFIED

EQUITY INTERESTS

Borrower

will not, and will not permit any Subsidiary to, (a)issue any Disqualified Equity Interests, or (b)be

or become liable in respect of any obligation (contingent or otherwise) to purchase, redeem, retire, acquire or make any other payment

in respect of any Equity Interests of Borrower or any Subsidiary, except as permitted under Section 7.06.

SECTION 7.14                     CERTAIN

OTHER MAJOR DECISIONS.

(a)            Non-Approved

Products. Borrower will not, and will not permit any Subsidiary to, offer Non-Approved Products in the aggregate in an amount greater

than 7.5% of the aggregate principal balance of the Eligible Consumer Receivables owned by Borrower and its Subsidiaries.

(b)            Underwriting

Guidelines and Servicing Policy. Borrower shall not make, or permit to be made, any material changes to the Underwriting Guidelines

or the Servicing Policy without the prior written consent of Administrative Agent and Class B Agent; provided, however,

and not in derogation of Section 1.03, that in the case of revisions made to the Underwriting Guidelines or the Servicing

Policy to harmonize products offered by a Legacy CIC Subsidiary with practices and procedures of a Legacy CCF Subsidiary, such prior written

consent of Administrative Agent and Class B Agent shall not be unreasonably withheld, conditioned or delayed.

SECTION 7.15                     SANCTIONS;

ANTI-CORRUPTION USE OF PROCEEDS.

No Credit Party will, directly

or indirectly, use the proceeds of the Revolving Credit Loans, or lend, contribute or otherwise make available such proceeds to any subsidiary,

joint venture partner or other Person, (i) in furtherance of an offer, payment, promise to pay, or authorization of the payment or

giving of money, or anything else of value, to any Person in violation of the FCPA or any other applicable anti-corruption law, or (ii) (A) to

fund any activities or business of or with any Person, or in any country or territory, that, at the time of such funding, is the subject

of Sanctions, or (B) in any other manner that would result in a violation of Sanctions by any Person (including any Person participating

in the Loans, whether as Administrative Agent, Lender, underwriter, advisor, investor, or otherwise).

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Article 8

EVENTS OF DEFAULT AND REMEDIES

SECTION 8.01                     EVENTS

OF DEFAULT

Each of the following shall

constitute an event of default hereunder (each, an “Event of Default”):

(a)            Non-Payment.

Borrower or any other Credit Party fails to pay: (i) when and as required to be paid herein, any amount of principal of any Revolving

Credit Loan; (ii) within one (1) Business Day after the same becomes due, any interest on any Revolving Credit Loan, or any

fee due hereunder; or (iii) within two (2) Business Days after the same becomes due, any other amount payable hereunder or under

any other Revolving Credit Document, in each case, after giving effect to any applicable grace period set forth in this Agreement or in

any other Credit Document; or

(b)           Specific

Covenants. Any Credit Party fails to: (i) perform or observe any term, covenant or agreement contained in any of Section 2.05(a),

Section 6.01, Section 6.02, Section 6.03, Section 6.05 (solely as to legal existence),

Section 6.10, Section 6.11, Section 6.12 or Article VII, any Guarantor fails to perform

or observe any term, covenant or agreement contained in its Guaranty, or CCF Intermediate Holdings LLC fails to perform or observe any

term, covenant or agreement contained in the Pledge Agreement; or (ii) deliver or cause to be delivered all Net Collections of Eligible

Consumer Receivables pledged as Collateral to the Concentration Accounts, in strict compliance with the Flow of Funds and Section 6.13,

subject to the Permitted Grace Period; or (iii) perform or observe any term, covenant or agreement contained in Section 6.05

(other than with respect to its legal existence), which failure continues for more than one (1) Business Day after the earlier of

such Credit Party's knowledge or receipt of notice thereof; or

and Warranties. Any representation, warranty, certification or statement of fact made or deemed made by or on behalf of Borrower or

any other CCF Party herein, in any other Revolving Credit Document or in any document delivered in connection herewith or therewith shall

be incorrect or misleading in any material respect when made or deemed made; or

(d)           Other

Defaults. Any CCF Party fails to perform or observe any other covenant or agreement (not specified in Section 8.01(a),

Section 8.01(b) or Section 8.01(c)) contained in any Revolving Credit Document on its part to be performed

or observed and such failure continues for thirty (30) days after the earlier of such CCF Party's knowledge or receipt of notice from

Administrative Agent or any Lender; or

(e)            Cross-Default.

(i) Any CCF Party: (A) fails to make any payment when due (whether by scheduled maturity, required prepayment, acceleration,

demand, or otherwise) in respect of any Debt (other than Debt hereunder and Debt under Swap Contracts) having an aggregate principal amount

(including undrawn committed or available amounts and including amounts owing to all creditors under any combined or syndicated credit

arrangement) of more than the Threshold Amount; or (B) fails to observe or perform any other agreement or condition relating to any

such other Debt or contained in any document evidencing, securing or relating to any of the foregoing, or any other default or event occurs,

the effect of which default or other event is to cause, or to permit the holder or holders of such Debt (or a trustee or agent on behalf

of such holder or holders) to cause, with the giving of notice if required, such Debt to be demanded or to become due or to be repurchased,

prepaid, defeased or redeemed (automatically or otherwise), or an offer to repurchase, prepay, defease or redeem such Debt to be made,

prior to its stated maturity; or (ii) there occurs under any Swap Contract an Early Termination Date (as defined in such Swap Contract)

resulting from: (A) any event of default under such Swap Contract as to which Borrower or any Subsidiary thereof is the Defaulting

Party (as defined in such Swap Contract); or (B) any Termination Event (as so defined) under such Swap Contract as to which Borrower

or any Subsidiary thereof is an Affected Party (as so defined) and, in either event, the Swap Termination Value owed by Borrower or any

such Subsidiary as a result thereof is greater than the Threshold Amount; or

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(f)            Insolvency

Proceedings, Etc. Any CCF Party institutes or consents to the institution of any proceeding under any Bankruptcy Law, or makes an

assignment for the benefit of creditors; or applies for or consents to the appointment of any receiver, trustee, custodian, conservator,

liquidator, rehabilitator or similar officer for it or for all or any material part of its property; or any receiver, trustee, custodian,

conservator, liquidator, rehabilitator or similar officer is appointed without the application or consent of such Person and the appointment

continues undischarged or unstayed for sixty (60) calendar days; or any proceeding under any Bankruptcy Law relating to any such Person

or to all or any material part of its property is instituted without the consent of such Person and continues undismissed or unstayed

for sixty (60) calendar days, or an order for relief is entered in any such proceeding; or

(g)            Inability

to Pay Debts; Attachment. (i) Any CCF Party becomes unable or admits in writing its inability or fails generally to pay its debts

as they become due; or (ii) any writ or warrant of attachment or execution or similar process is issued or levied against all or

any material part of the property of any such Person and is not released, vacated or fully bonded within thirty days after its issue or

levy; or

(h)            Judgments.

There is entered against any CCF Party: (i) a final, non-appealable judgment or order for the payment of money in an aggregate amount

exceeding the Threshold Amount (to the extent not covered by independent third-party insurance as to which the insurer does not dispute

coverage); or (ii) any one or more non-monetary final, non-appealable judgments that have, or could reasonably be expected to have,

individually or in the aggregate, a Material Adverse Effect and, in either case: (A) enforcement proceedings are commenced by any

creditor upon such judgment or order; or (B) there is a period of thirty (30) consecutive days during which a stay of enforcement

of such judgment, by reason of a pending appeal or otherwise, is not in effect or such judgment is not discharged; or

(i)            ERISA.

(i) One or more ERISA Events occur with respect to a Pension Plan or Multiemployer Plan which, individually or in the aggregate,

result or could reasonably be expected to result in a Material Adverse Effect; or (ii) Borrower or any ERISA Affiliate fails to pay

when due, after the expiration of any applicable grace period, any installment payment with respect to its Withdrawal Liability under

Section 4201 of ERISA under a Multiemployer Plan, which Withdrawal Liability is, in an aggregate amount in excess of the Threshold

Amount; or

(j)            Invalidity

of Revolving Credit Documents. Any Revolving Credit Document or any material provision thereof, at any time after its execution and

delivery and for any reason other than as expressly permitted hereunder or thereunder or Discharge of Secured Obligations, ceases to be

in full force and effect; or any CCF Party contests in any manner the validity or enforceability of any Revolving Credit Document or any

provision thereof; or any CCF Party denies that it has any or further liability or obligation under any Revolving Credit Document, or

purports to revoke, terminate or rescind any Revolving Credit Document or any provision thereof; or

(k)            Liens.

Any Lien purported to be created under any Collateral Document shall cease to be, or shall be asserted by any CCF Party not to be, a valid

and perfected Lien on any Collateral, with the priority required by the applicable Collateral Document, except (A) as a result of

the sale or other disposition of the applicable Collateral in a transaction permitted under the Revolving Credit Documents or (B) as

a result of Administrative Agent’s failure to maintain possession of any stock certificates, promissory notes or other instruments

delivered to it under the applicable Collateral Document; or

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(l)            Material

Adverse Effect. There occurs a Material Adverse Effect; or

(m)          Change

of Control. There occurs a Change of Control; or

(n)           Portfolio

Trigger Event. There occurs a Portfolio Trigger Event; or

(o)           Default

Under other Facility Documents. There occurs (i) an “Event of Default” (as defined in the Term Loan Agreement) under

the Term Loan Agreement, or (ii) a failure to perform or observe any material term, covenant or agreement by CCF Holdings or any

Credit Party any under the CCF Preferred Equity Documents, which failure continues for more than one (1) Business Day after the earlier

of such Credit Party's knowledge or receipt of notice thereof after taking into account any applicable cure period or waiver by the BP

Purchaser in the exercise of its Permitted Discretion.

SECTION 8.02                     REMEDIES

UPON EVENT OF DEFAULT.

If any Event of Default occurs

and is continuing, Administrative Agent shall, at the request of, or may, with the consent of, Required Lenders, take any or all of the

following actions:

(a)            Termination

of Commitments, Etc. Declare, by written notice to Borrower, the commitment of each Lender to make Revolving Credit Loans to be terminated,

whereupon such commitments and obligation shall be terminated;

(b)            Acceleration

of Obligations. Declare the Outstanding Legal Balance and all other Obligations payable hereunder or under any other Revolving Credit

Document to be immediately due and payable, without presentment, demand, protest or other notice of any kind, all of which are hereby

expressly waived by Borrower; and

of Rights and Remedies. Exercise on behalf of itself and Lenders all rights and remedies available to it and Lenders under this Agreement

(including, without limitation, Section 6.13(f)) all other Revolving Credit Documents and all of the rights and remedies of

a secured party under the UCC or under other applicable Law, and all other legal or equitable rights which Administrative Agent, on behalf

of itself and the Lenders, may be entitled to under any of the Revolving Credit Documents, and to issue notices of exclusive control under

any or all Account Control Agreements and/or all other deposit account control agreements or security account control agreements, if any,

all of which rights shall be cumulative and shall be in addition to any other rights or remedies contained in this Agreement or any of

the other Revolving Credit Documents, and none of which shall be exclusive. Without limiting the generality of the foregoing, each Credit

Party hereby authorizes Administrative Agent (and each Consumer Receivable Obligor is hereby directed and authorized to recognize such

authorization), following the occurrence of an Event of Default or a Backup Servicing Trigger Event, to direct any or all Consumer Receivable

Obligors to make all further payments on Eligible Consumer Receivables in accordance with the directions of Administrative Agent. Following

the occurrence of a Backup Servicing Trigger Event Administrative Agent shall have the right to require that all payments becoming due

under such pledged Eligible Consumer Receivable be paid directly to Administrative Agent, and Administrative Agent is hereby authorized

to receive, collect, hold, and apply the same in accordance with the provisions of this Agreement. In the event that following the occurrence

of a Backup Servicing Trigger Event, Administrative Agent does not receive any installment of principal or interest due and payable under

any of such pledged Eligible Consumer Receivables on or prior to the date upon which such installment becomes due, Administrative Agent

may, at its election (but without any obligation to do so), request Backup Servicing Agent to give notice of such event of default to

the defaulting party or parties, and Administrative Agent shall have the right (but not the obligation), subject to the terms of such

instruments, to accelerate payment of the unpaid balance of any of such pledged Eligible Consumer Receivables in default and to enforce

any remedies available to the holder of such pledged Eligible Consumer Receivables, with respect to such event of default. Each Credit

Party hereby further authorizes, directs, and empowers Administrative Agent (or any Person as may be designated by Administrative Agent

in writing) to collect and receive all checks and drafts evidencing such payments and to endorse such checks or drafts in the name of

such Credit Party and, upon such endorsements, to collect and receive the money therefor. Subject to applicable Laws, each Credit Party

also authorizes Administrative Agent’s agents and advisors to conduct verifications of the pledged Eligible Consumer Receivables

by contacting the related Consumer Receivable Obligors directly. The right to endorse checks and drafts granted pursuant to the preceding

sentence is irrevocable by the Credit Parties until such time as the Discharge of Secured Obligations has occurred and this Agreement

has terminated in accordance with Section 10.05, and the banks or banks paying such checks or drafts upon such endorsements,

as well as the signers of the same, shall be as fully protected as though the checks or drafts had been endorsed by the Credit Parties.

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(d)           Standstill

Period. During (i) the sixty (60) day period immediately following the occurrence of an Event of Default, other than an Event

of Default under Section 8.01(n), or (ii) the thirty (30) day period immediately following the occurrence of an Event of Default

under Section 8.01(n), Required Lenders shall not request, or consent to, the exercise of any rights or remedies by Administrative

Agent against any Credit Party or the Collateral pursuant to the Revolving Credit Documents as a result of such Event of Default (or any

other Event of Default which occurs during such sixty (60) day period) so long as the Standstill Conditions remain satisfied at all times

(other than to the extent such failure is a result of the occurrence of an Event of Default under Section 8.01(n) that has not

existed for thirty (30) days) (a “Standstill Period”); provided that (i) the Standstill Period shall

automatically terminate in the event the Standstill Conditions are not satisfied at any time during a Standstill Period (other than to

the extent such failure is a result of the occurrence of an Event of Default under Section 8.01(n) that has not existed for

thirty (30) days, (ii) only one (1) Standstill Period shall exist at any time, and (iii) if a new Event of Default occurs

either during a Standstill Period or after the expiration or termination of a Standstill Period, such new Event of Default shall not result

in a new Standstill Period unless, prior to the occurrence of such new Event of Default, any previously-occurring Event of Default was

waived pursuant to the terms of this Agreement.

For the avoidance of doubt, nothing in this Section 8.02(d) shall

preclude Administrative Agent from collecting and running off the Collateral during the Standstill Period or preparing to exercise rights

and remedies under this Agreement, including, without limitation, sending applicable notices of default or notices of foreclosure sale,

preparing to sell, dispose or auction off the Collateral, in each case, during the Standstill Period in accordance with the terms of this

Agreement and the other Revolving Credit Documents.

Article 9

ADMINISTRATIVE AGENT

SECTION 9.01                     APPOINTMENT

OF AUTHORIZATION OF ADMINISTRATIVE AGENT.

Each Lender hereby irrevocably

appoints Veritex CommunitySunflower

Bank, N.A. to act on its behalf as Administrative Agent hereunder

and under the other Revolving Credit Documents and authorizes Administrative Agent to take such actions on its behalf and to exercise

such powers as are delegated to Administrative Agent by the terms hereof and thereof, together with such actions and powers as are reasonably

incidental thereto. The provisions of this Article IX are solely for the benefit of Administrative Agent and Lenders, and

neither Borrower nor any other Credit Party shall have rights as a third party beneficiary of any of such provisions.

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SECTION 9.02                     RIGHTS

AS A LENDER.

If the Person serving as Administrative

Agent hereunder is also a “Lender,” such Person shall have the same rights and powers in such capacity(ies)

as any other Person in such capacity(ies) and may exercise the same as though it were not Administrative Agent. Such Person and its Affiliates

may accept deposits from, lend money to, act as the financial advisor or in any other advisory capacity for and generally engage in any

kind of business with Borrower or any Subsidiary or Affiliate of Borrower as if such Person were not Administrative Agent hereunder and

without any duty to account therefor to any other Lender.

SECTION 9.03                     EXCULPATORY

PROVISIONS.

Administrative Agent shall

not have any duties or obligations except those expressly set forth herein and in the other Revolving Credit Documents. Without limiting

the generality of the foregoing, Administrative Agent:

(a)            No

Fiduciary Duties. Shall not be subject to any fiduciary or other implied duties, regardless of whether a Default has occurred and

is continuing;

(b)            No

Obligations Regarding Certain Actions. Shall not have any duty to take any discretionary action or exercise any discretionary powers,

except discretionary rights and powers expressly contemplated hereby or by the other Revolving Credit Documents that Administrative Agent

is required to exercise as directed in writing by Required Lenders (or such other number or percentage of Lenders as shall be expressly

provided for herein or in any other Revolving Credit Documents, as applicable); provided that Administrative Agent shall not be

required to take any action that, in its opinion or the opinion of its counsel, may expose Administrative Agent to liability or that is

contrary to any Revolving Credit Document or applicable Law; and

Obligations. Shall not, except as expressly set forth herein and in the other Revolving Credit Documents, have any duty to disclose,

and shall not be liable for the failure to disclose, any information relating to Borrower or any of its Affiliates that is communicated

to or obtained by the Person serving as Administrative Agent or any of its Affiliates in any capacity.

(d)            Limitation

on Liability. Shall not be liable for any action taken or not taken by it: (i) with the consent or at the request of Required

Lenders (or such other number or percentage of Lenders as shall be necessary, or as Administrative Agent shall believe in good faith shall

be necessary, under the circumstances as provided in Section 8.02 and Section 10.01); or (ii) in the absence

of its own gross negligence or willful misconduct in the performance of its duties under the terms of the Revolving Credit Documents.

Administrative Agent shall be deemed not to have knowledge of any Default, unless and until Borrower, a Credit Party, or a Lender provides

written notice to Administrative Agent describing such Default.

(e)            No

Further Inquiry. Administrative Agent shall not be responsible for or have any duty to ascertain or inquire into: (A) any statement,

warranty or representation made in or in connection with this Agreement or any other Revolving Credit Document; (B) the contents

of any certificate, report or other document delivered hereunder or thereunder or in connection herewith or therewith; (C) the performance

or observance of any of the covenants, agreements or other terms or conditions set forth herein or therein or the occurrence of any Default;

(D) the validity, enforceability, effectiveness or genuineness of this Agreement, any other Revolving Credit Document or any other

agreement, instrument or document; or (E) the satisfaction of any condition set forth in Article IV or elsewhere herein,

other than to confirm receipt of items expressly required to be delivered to Administrative Agent.

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SECTION 9.04                     RELIANCE

BY ADMINISTRATIVE AGENT.

Administrative Agent shall

be entitled to rely upon, and shall not incur any liability for relying upon, any notice, request, certificate, consent, statement, instrument,

document or other writing (including any electronic message, Internet or intranet website posting or other distribution) believed

by it to be genuine and to have been signed, sent or otherwise authenticated by the proper Person. Administrative Agent also may rely

upon any statement made to it orally or by telephone and believed by it to have been made by the proper Person and shall not incur any

liability for relying thereon. In determining compliance with any condition hereunder to the making of a Revolving Credit Loan that by

its terms must be fulfilled to the satisfaction of a specified Lender, Administrative Agent may presume that such condition is satisfactory

to such Lender, unless Administrative Agent shall have received notice to the contrary from such Lender prior to the making of such Revolving

Credit Loan. Administrative Agent may consult with legal counsel (who may be counsel for Borrower), independent accountants and other

experts it selects and shall not be liable for any action it takes or does not take in accordance with the advice of any such counsel,

accountants or experts.

SECTION 9.05                     DELEGATION

OF DUTIES.

Administrative Agent may perform

any and all of its duties and exercise its rights and powers hereunder or under any other Revolving Credit Document by or through any

one or more sub-agents it appoints. Administrative Agent and any such sub-agent may perform any and all of its duties and exercise its

rights and powers by or through their respective Related Parties. The exculpatory provisions of this Article IX shall apply

to any such sub-agent and to the Related Parties of Administrative Agent and any such sub-agent and shall apply to their respective activities

in connection with the syndication of the credit facilities provided for herein, as well as activities as Administrative Agent. Administrative

Agent shall not be liable for the actions or inactions of any sub-agent selected by it with due care.

SECTION 9.06                     RESIGNATION

OF ADMINISTRATIVE AGENT.

(a)            Administrative

Agent may at any time give notice of its resignation to the Lenders and Borrower. Upon receipt of any such notice of resignation, the

Required Lenders shall have the right, in consultation with Borrower, to appoint a successor, which shall be a bank with an office in

New York, New York, or the State of Texas, or an Affiliate of any such bank with an office in New York, New York, or the State of Texas;

provided, that no consultation of Borrower shall be required at any time after the occurrence and during the continuance of an

Event of Default. If no such successor shall have been so appointed by the Required Lenders and shall have accepted such appointment within

thirty (30) days after the retiring Administrative Agent gives notice of its resignation (or such earlier day as shall be agreed

by the Required Lenders) (the “Resignation Effective Date”), then the retiring Administrative Agent may (but

shall not be obligated to), on behalf of the Lenders, appoint a successor Administrative Agent meeting the qualifications set forth above.

Whether or not a successor has been appointed, such resignation shall become effective in accordance with such notice on the Resignation

Effective Date.

(b)            If

the Person serving as Administrative Agent is a Defaulting Lender pursuant to clause (d) of the definition thereof, the Required

Lenders may, to the extent permitted by applicable Law, by notice in writing to Borrower and such Person remove such Person as Administrative

Agent and, in consultation with Borrower, appoint a successor. If no such successor shall have been so appointed by the Required Lenders

and shall have accepted such appointment within thirty (30) days (or such earlier day as shall be agreed by the Required Lenders) (the

“Removal Effective Date”), then such removal shall nonetheless become effective in accordance with such notice

on the Removal Effective Date.

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effect from the Resignation Effective Date or the Removal Effective Date (as applicable) (1) the retiring or removed Administrative

Agent shall be discharged from its duties and obligations hereunder and under the other Revolving Credit Documents (except that in the

case of any collateral security held by Administrative Agent on behalf of the Lenders under any of the Revolving Credit Documents, the

retiring or removed Administrative Agent shall continue to hold such collateral security until such time as a successor Administrative

Agent is appointed) and (2) all payments, communications and determinations provided to be made by, to or through Administrative

Agent shall instead be made by or to each Lender directly, until such time, if any, as the Required Lenders appoint a successor Administrative

Agent as provided for above. Upon the acceptance of a successor’s appointment as Administrative Agent hereunder, such successor

shall succeed to and become vested with all of the rights, powers, privileges and duties of the retiring or removed Administrative Agent,

and the retiring or removed Administrative Agent shall be discharged from all of its duties and obligations hereunder or under the other

Revolving Credit Documents. The fees payable by Borrower to a successor Administrative Agent shall be the same as those payable to its

predecessor unless otherwise agreed between Borrower and such successor. After the retiring or removed Administrative Agent’s resignation

or removal hereunder and under the other Revolving Credit Documents, the provisions of this Article and Section 10.04

shall continue in effect for the benefit of such retiring or removed Administrative Agent, its sub-agents and their respective Related

Parties in respect of any actions taken or omitted to be taken by any of them while the retiring or removed Administrative Agent was acting

as Administrative Agent.

SECTION 9.07                     NON-RELIANCE

ON ADMINISTRATIVE AGENT AND OTHER LENDERS.

Each Lender acknowledges that

it has, independently and without reliance upon Administrative Agent, any other Lender or any of their Related Parties and based on such

documents and information as it has deemed appropriate, made its own credit analysis and decision to enter into this Agreement. Each Lender

also acknowledges that it will, independently and without reliance upon Administrative Agent, any other Lender or any of their Related

Parties and based on such documents and information as it shall from time to time deem appropriate, continue to make its own decisions

in taking or not taking action under or based upon this Agreement, any other Revolving Credit Document or any related agreement or any

document furnished hereunder or thereunder.

SECTION 9.08                     SYNDICATION

AGENT, DOCUMENTATION AGENT OR OTHER TITLES.

Any Lender identified on the facing page or

signature page of this Agreement or in any amendment hereto or as designated with consent of the Agent in any assignment agreement

as Arranger, Documentation Agent, Syndication Agent or any similar titles, shall not have any right, power, obligation, liability, responsibility

or duty under this Agreement as a result of such title other than those applicable to all Lenders as such. Without limiting the foregoing,

the Lenders so identified shall not have or be deemed to have any fiduciary relationship with any Lender as a result of such title. Each

Lender acknowledges that it has not relied, and will not rely, on the Lender so identified in deciding to enter into this Agreement or

in taking or not taking action hereunder.

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SECTION 9.09                     ADMINISTRATIVE

AGENT MAY FILE PROOFS OF CLAIM.

In case of the pendency of

any receivership, insolvency, liquidation, bankruptcy, reorganization, arrangement, adjustment, composition or other judicial proceeding

relative to any CCF Party, Administrative Agent (irrespective of whether the principal of any Revolving Credit Loan shall then be due

and payable as herein expressed or by declaration or otherwise and irrespective of whether Administrative Agent shall have made any demand

on Borrower) shall be entitled and empowered, by intervention in such proceeding or otherwise: (a) to file and prove a claim for

the whole amount of the principal and interest owing and unpaid in respect of the Revolving Credit Loans and all other Obligations that

are owing and unpaid and to file such other documents as may be necessary or advisable in order to have the claims of Lenders and Administrative

Agent (including any claim for the reasonable compensation, expenses, disbursements and advances of Lenders and Administrative Agent and

their respective agents and counsel and all other amounts due Lenders and Administrative Agent under Section 2.05(b) and

Section 10.04) allowed in such judicial proceeding; and (b) to collect and receive any monies or other property payable

or deliverable on any such claims and to distribute the same; and any custodian, receiver, assignee, trustee, liquidator, sequestrator

or other similar official in any such judicial proceeding is hereby authorized by each Lender to make such payments to Administrative

Agent and, in the event that Administrative Agent shall consent to the making of such payments directly to Lenders, to pay to Administrative

Agent any amount due for the reasonable compensation, expenses, disbursements and advances of Administrative Agent and its agents and

counsel, and any other amounts due Administrative Agent under Section 2.05(b) and Section 10.04. Nothing

contained herein shall be deemed to authorize Administrative Agent to authorize or consent to or accept or adopt on behalf of any Lender

any plan of reorganization, arrangement, adjustment or composition affecting the Obligations or the rights of any Lender or to authorize

Administrative Agent to vote in respect of the claim of any Lender in any such proceeding.

SECTION 9.10                     GUARANTY

MATTERS.

Each Lender hereby: (a) irrevocably

authorizes Administrative Agent, at its option and in its discretion, to release any Guarantor from its obligations under a Guaranty if

such Person ceases to be a Subsidiary as a result of a transaction permitted hereunder; and (b) agrees that, upon request by Administrative

Agent at any time, it will confirm in writing Administrative Agent’s authority to release any such Guarantor pursuant to this Section 9.10.

SECTION 9.11                     COLLATERAL

MATTERS.

(a)            Directions

by Lenders. Each Lender hereby, irrevocably authorizes and directs Administrative Agent: (i) to enter into the Collateral Documents

for the benefit of such Person; (ii) without the necessity of any notice to or further consent from any such Person from time to

time prior to an Event of Default, to take any action with respect to any Collateral or Collateral Documents that may be necessary to

perfect and maintain perfected the Liens upon the Collateral granted pursuant to the Collateral Documents; (iii) to release any Lien

on any property granted to or held by Administrative Agent under any Revolving Credit Document: (A) upon the Discharge of Secured

Obligations; (B) that is sold or to be sold as part of or in connection with any Asset Sale or other Disposition permitted hereunder

or under any other Revolving Credit Document; (C) subject to Section 10.01, if approved, authorized or ratified in writing

by Required Lenders; or (D) in connection with any foreclosure sale or other disposition of Collateral after the occurrence of an

Event of Default; and (iv) to subordinate any Lien on any property granted to or held by Administrative Agent under any Revolving

Credit Document to the holder of any Lien on such property that is permitted by this Agreement or any other Revolving Credit Document.

Upon request by Administrative Agent at any time, each Lender will confirm in writing Administrative Agent’s authority to release

or subordinate its interest in particular types or items of Collateral pursuant to this Section 9.11.

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(b)            Certain

Actions by Administrative Agent. Subject to Section 9.11(a)(iii) and Section 9.11(a)(iv), Administrative

Agent shall (and is hereby irrevocably authorized by each Lender to) execute such documents as may be necessary to evidence the release

or subordination of Liens granted to Administrative Agent herein or pursuant hereto upon the applicable Collateral; provided that:

(i) Administrative Agent shall not be required to execute any such document on terms that, in Administrative Agent’s opinion,

would expose Administrative Agent to or create any liability or entail any consequence other than the release or subordination of such

Liens without recourse or warranty; and (ii) such release or subordination shall not in any manner discharge, affect or impair the

Obligations or any Liens upon (or obligations of Borrower or any other CCF Party in respect of) all interests retained by Borrower or

any other CCF Party, including the proceeds of the sale, all of which shall continue to constitute part of the Collateral. In the event

of any sale or transfer of Collateral, or any foreclosure with respect to any of the Collateral, Administrative Agent shall be authorized

to deduct all expenses reasonably incurred by Administrative Agent from the proceeds of any such sale, transfer or foreclosure.

Obligations Regarding Certain Actions. Administrative Agent shall have no obligation whatsoever to any Lender or any other Person

to assure that the Collateral exists or is owned by Borrower or any other CCF Party or is cared for, protected or insured or that the

Liens granted to Administrative Agent herein or in any of the Collateral Documents or pursuant hereto or thereto have been properly or

sufficiently or lawfully created, perfected, protected or enforced or are entitled to any particular priority, or to exercise or to continue

exercising at all or in any manner or under any duty of care, disclosure or fidelity any of the rights, authorities and powers granted

or available to Administrative Agent in this Section 9.11 or in any of the Collateral Documents, it being understood and agreed

that in respect of the Collateral, or any act, omission or event related thereto, Administrative Agent may act in any manner it may deem

appropriate, in its sole discretion, given Administrative Agent’s own interest in the Collateral as one of the Lenders.

(d)            Appointment

of Lenders as Agents. Each Lender hereby appoints each other such Person as agent for the purpose of perfecting Administrative Agent’s

or such Person’s security interest in assets that, in accordance with Article 9 or Division 9 (as applicable) of the UCC,

can be perfected only by possession. Should any such Person (other than Administrative Agent) obtain possession of any such Collateral,

such Person shall notify Administrative Agent thereof, and, promptly upon Administrative Agent’s request therefor, shall deliver

such Collateral to Administrative Agent or in accordance with Administrative Agent’s instructions.

(e)            Credit

Bidding. The Lenders irrevocably authorize Administrative Agent, at any time upon the direction of the Required Lenders, to credit

bid all or any portion of the Obligations in any foreclosure sale relating to the Collateral. Each Lender agrees that, except as otherwise

provided in any Revolving Credit Documents or with the written consent of Administrative Agent and Required Lenders, it will not take

any Enforcement Action, accelerate Obligations under any Revolving Credit Documents, or exercise any right that it might otherwise have

under applicable Laws to credit bid at foreclosure sales, UCC sales or other similar dispositions of Collateral.

(f)            Class B

Agent Notices. Borrower acknowledges and agrees, simultaneously with the delivery of any notice or communication to Administrative

Agent required pursuant to Sections 6.01, 6.02 or 6.03 hereof, or otherwise concerning a matter that requires the consent of Class B

Agent, to deliver to the Class B Agent true and correct copies of such notice or communication.

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SECTION 9.12                     CLASS B

AGENT.

(a)            Appointment.

To assist the orderly administration of the rights and obligations of Class B Lenders under this Agreement and the other Revolving

Credit Documents, each Class B Lender hereby irrevocably appoints BP Funding Trust V to act on their behalf as Class B Agent

hereunder and under the other Revolving Credit Documents and authorizes Class B Agent to take such actions on its behalf and to exercise

such powers as are delegated to Class B Agent by the terms hereof and thereof, together with such actions and powers as are reasonably

incidental thereto.

(b)            Rights

as a Lender. If the Person serving as Class B Agent and/or Administrative Agent hereunder is also a “Lender,”

such Person shall have the same rights and powers in such capacity(ies) as any other Person in such capacity(ies) and may exercise the

same as though it were not Class B Agent. Such Person and its Affiliates may accept deposits from, lend money to, act as the financial

advisor or in any other advisory capacity for and generally engage in any kind of business with Borrower or any Subsidiary or Affiliate

of Borrower as if such Person were not Administrative Agent hereunder and without any duty to account therefor to any other Lender.

Obligations. Class B Agent shall not have any duties or obligations except those expressly set forth herein and in the other

Credit Documents. Without limiting the foregoing, Class B Agent:

(i)            shall

not be subject to any fiduciary or other implied duties, regardless of whether a Default has occurred and is continuing;

(ii)           shall

not have any duty to take any discretionary action or exercise any discretionary powers;

(iii)          shall

not have any duty to disclose, and shall not be liable for the failure to disclose, any information relating to Borrower or any of its

Affiliates that is communicated to or obtained by the Person serving as Class B Agent, as applicable, or any of their Affiliates

in any capacity;

(iv)          shall

not be liable for any action taken or not taken by it: (i) with the consent or at the request of any Class B Lender, as applicable;

or (ii) in the absence of its own gross negligence or willful misconduct in the performance of its duties under the terms of this

Agreement. No Class B Agent shall be deemed to have knowledge of any Default, unless and until Administrative Agent provides written

notice to Class B Agent describing such Default; and

(v)           No

Class B Agent shall be responsible for or have any duty to ascertain or inquire into: (A) any statement, warranty or representation

made in or in connection with this Agreement or any other Revolving Credit Document; (B) the contents of any certificate, report

or other document delivered hereunder or thereunder or in connection herewith or therewith; (C) the performance or observance of

any of the covenants, agreements or other terms or conditions set forth herein or therein or the occurrence of any Default; (D) the

validity, enforceability, effectiveness or genuineness of this Agreement, any other Revolving Credit Document or any other agreement,

instrument or document; or (E) the satisfaction of any condition set forth in Article IV or elsewhere herein.

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(d)            Powers

of Class B Agent. Each Class B Lender hereby irrevocably appoints and directs Class B Agent to:

(i)            receive

all payments (from whatever source whatsoever) payable to such Class B Lender in connection with this Agreement and the other Revolving

Credit Documents directly from Administrative Agent on behalf of such Class B Lender. Within one (1) Business Day after receipt

of any payments from Administrative Agent, Class B Agent agrees to deliver to the applicable Class B Lender the amounts which

are due to such Class B Lender from Administrative Agent (without discount, setoff, deduction or defense). Any payments to Class B

Lender from Class B Agent shall be made pursuant to the wiring instructions located on such Class B Lender’s Assignment

and Assumption (as may be updated in accordance with this Agreement);

(ii)            receive

all notices or other communications (including, without limitation, any Notice of Borrowing) owed to such Class B Lender under this

Agreement or the other Revolving Credit Documents on behalf of such Class B Lender. Within one (1) Business Day after receipt

of any notice or communication from Administrative Agent, Class B Agent agrees to deliver to the applicable Class B Lender true

and correct copies of such notice or communication to each Class B Lender. Deliver of any notice or other communications to such

Lender from Class B Agent shall be made pursuant to the notice address located on such Class B Lender’s Assignment and

Assumption (as may be updated in accordance with this Agreement);

(iii)          deliver

any notice consent, approval or other authorization from such Class B Lender under this Agreement and the other Revolving Credit

Documents to Administrative Agent.

(iv)          deliver

any amounts (including, without limitation, any Borrowing) payable by such Class B Lender to Administrative Agent under this Agreement

or the other Revolving Credit Documents. Within one (1) Business Day after receipt of any amounts payable to Administrative Agent

from such Lender, Class B Agent agrees to deliver the same to Administrative Agent pursuant to the terms of this Agreement.

(e)            Obligations

of Administrative Agent. Class B Agent and each Class B Lender hereby irrevocably acknowledges and agrees that:

(i)            any

obligation in this Agreement or the other Revolving Credit Documents for Administrative Agent to pay or deliver any payments, proceeds

or other funds to a Class B Lender (whether designated as a Lender or Class B Lender) shall be deemed fully satisfied by Administrative

Agent upon delivery of such payment, proceeds or other funds to Class B Agent, in each case in accordance with the instructions applicable

to such Class B Agent as a “Lender”. Delivery of such payments, proceeds or other funds to Class B Agent shall,

for all purposes, be deemed the same as delivery directly to the applicable Class B Lender itself for all purposes. Administrative

Agent shall have no duty or obligation (whether express or implied) to Class B Agent or any Class B Lender to ensure that any

such payments, proceeds or other funds delivered to Class B Agent are actually delivered to, or received by, the appropriate Class B

Lender and each Class B Lender shall look solely to Class B Agent to receive such amounts.

(ii)            any

obligation in this Agreement or the other Revolving Credit Documents for Administrative Agent to deliver any notice or other communication

(including, without limitation, any Notice of Borrowing) to any Class B Lender (whether designated as a Lender or Class B Lender)

shall be deemed fully satisfied by Administrative Agent upon delivery of such notice or communication to Class B Agent in accordance

with the instructions applicable to Class B Agent as a “Lender”. Delivery of such notice or other communication to Class B

Agent shall be deemed the same as delivery directly to the applicable Class B Lender itself for all purposes. Administrative Agent

shall have no duty or obligation (whether express or implied) to Class B Agent or any Class B Lender to ensure that any notice

or other communication delivered to Class B Agent is actually delivered to the appropriate Class B Lender and each Class B

Lender shall look solely to the Class B Agent to receive such notice or other communication.

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(iii)           any

obligation or request under this Agreement or the other Revolving Credit Documents for Administrative Agent to obtain any consent, approval

or other authorization from any Class B Lender (whether designated as a Lender or Class B Lender) shall be deemed satisfied

by Administrative Agent upon receipt of written consent, approval or other authorization from Class B Agent, in each case in accordance

with the instructions applicable to Class B Agent as a “Lender”. Receipt of such consent, approval or other authorization

from Class B Agent shall be deemed the same as receipt directly from the applicable Class B Lender itself for all purposes.

Administrative Agent shall have no duty or obligation (whether express or implied) to Class B Agent or any Class B Lender to

ensure that any written consent, approval or authorization received from Class B Agent is true, correct or accurate.

(iv)          any

obligation under this Agreement or the other Revolving Credit Documents for any Class B Lender to deliver any amounts payable to

Administrative Agent (including, without limitation, any Borrowing) shall only be considered satisfied upon actual receipt by Administrative

Agent of such amounts payable. Receipt of any such amounts solely by any Class B Agent shall never be considered received by Administrative

Agent or the obligations of Class B Lender to Administrative Agent not be deemed satisfied for any purpose. Administrative Agent

shall have no duty or obligation (whether express or implied) to Class B Agent or any Class B Lender to ensure the timely or

correct delivery of funds to Administrative Agent.

(f)            Reliance

by Administrative Agent. Each Class B Lender hereby irrevocably acknowledge and agree that:

(i)            The

appointment of Class B Agent by Class B Lenders is solely at the request of and for the benefit of Class B Lenders.

(ii)           Administrative

Agent shall be entitled to rely upon, and shall not incur any liability for relying upon, any notice, request, certificate, consent, statement,

instrument, document or other writing (including any electronic message, Internet or intranet website posting or other distribution)

believed by it to be genuine and to have been signed, sent or otherwise authenticated by Class B Agent.

(iii)          Not

action or inaction by Class B Agent shall limit, abrogate or absolve any Class B Lender of its obligations under this Agreement

and the other Revolving Credit Documents. It shall be the sole responsibility of Class B Lenders to ensure Class B Agent is

acting in compliance with their obligations under this Agreement and the other Revolving Credit Documents.

(g)            Resignation;

No Class B Agent.

(i)            Any

Class B Agent may at any time give notice of its resignation to the Class B Lenders and Administrative Agent; provided that,

any Class B Agent shall be required to give notice of its resignation to Administrative Agent and the Class B Lenders in the

event such Class B Agent is no longer a Lender. Following receipt of any such notice of resignation, Class B Lenders shall be

entitled to select an alternate Class B Agent by delivering written notice to Administrative Agent signed by all Class B Lenders.

If no such successor Class B Agent shall have been so appointed by the Class B Lenders prior to the effectiveness of the resignation

of Class B Agent (or such earlier day as shall be agreed by Class B Lenders) (the “Class B Agent Resignation

Date”), then Class B Lenders shall be deemed to have no Class B Agent and the provisions of this Section 9.12

shall no longer be applicable following the Class B Agent Resignation Date.

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(ii)            If

the Person serving as Class B Agent is a Defaulting Lender pursuant to clause (d) of the definition thereof, Class B Lenders,

as applicable, may, to the extent permitted by applicable Law, by notice in writing to Administrative Agent and such Person remove such

Person as Class B Agent and appoint a successor by delivering written notice to Administrative Agent signed by all Class B Lenders.

If no such successor shall have been so appointed by the Class B Lenders prior to the effectiveness of the removal of Class B

Agent (or such earlier day as shall be agreed by Class B Lenders) (the “Class B Agent Removal Effective Date”),

then Class B Lenders shall be deemed to have no Class B Agent and the provisions of this Section 9.12 shall no longer

be applicable following the Class B Agent Removal Effective Date.

(iii)           In

no event shall any Person be a Class B Agent while such Person is not a Class B Lender.

Article 10

GENERAL PROVISIONS

SECTION 10.01                   AMENDMENTS, ETC.

No amendment or waiver of

any provision of this Agreement or any other Revolving Credit Document, and no consent to any departure by Borrower or any other CCF Party

therefrom, shall be effective unless in writing signed by Required Lenders (or Administrative Agent at the written request of Required

Lenders) and Borrower or the applicable CCF Party, as the case may be, with receipt acknowledged by Administrative Agent, and each such

waiver or consent shall be effective only in the specific instance and for the specific purpose for which given; provided that

no such amendment, waiver or consent shall:

(a)            Matters

Involving Each Revolving Credit Lender. Unless in writing and signed by Borrower, with receipt acknowledged by Administrative Agent,

do any of the following:

(i)            increase,

or extend the expiry of, the Revolving Credit Commitment of any Revolving Credit Lender without the written consent of such Revolving

Credit Lender (or reinstate any such Commitment to the extent terminated pursuant to Section 8.02) without the written consent

of all Revolving Credit Lenders; or

(ii)            postpone

or delay any date fixed by this Agreement or any other Revolving Credit Document for any payment of principal, interest, fees or other

amounts due to any Revolving Credit Lender hereunder or under any other Revolving Credit Document, including any prepayments specified

under Section 2.05, or reduce the amount, or waive or excuse any such payment, due to any Revolving Credit Lender on any such

date, in each case without the written consent of such Revolving Credit Lender; or

(iii)           reduce

the principal of or the rate of interest specified herein on, any Revolving Credit Loan or any Revolving Credit Commitment or other amounts

payable to any Revolving Credit Lender hereunder or under any other Revolving Credit Document, in each case without the written consent

of such Revolving Credit Lender; or

Page 113

(iv)          change

Section 2.13 in a manner that would alter the pro rata sharing of payments required thereby or change Section 2.09,

in each case, without the written consent of each Lender directly and adversely affected thereby; or

(v)           subordinate,

or have the effect of subordinating, the Obligations to any other Debt or subordinate, or have the effect of subordinating the Liens securing

the Obligations to Liens securing any other Debt without the consent of each Lender directly and adversely affected thereby; or

(vi)          amend

any provision herein providing for consent or other action by all Revolving Credit Lenders, without the written consent of all Revolving

Credit Lenders.

(b)            Matters

Involving All Lenders. Unless in writing and signed by all Lenders and Borrower, with receipt acknowledged by Administrative Agent,

do any of the following:

(i)            amend

this Section 10.01, or Section 2.13, or any provision herein providing for consent or other action by all Lenders;

(ii)           amend

the definition of “Borrowing Base” or any definitions which comprise such “Borrowing Base”;

(iii)          extend

the Draw Period or the Draw Period Termination Date; or

(iv)          release

all or substantially all of the Collateral, except as otherwise expressly provided herein or in any of the Collateral Documents, or amend

the definition of the obligations secured by any of the Collateral Documents; or

(v)           release

or terminate any of the Guaranties except as otherwise expressly provided herein or in any of the Revolving Credit Documents; or

(vi)          amend

the definition of “Required Lenders” contained in Section 1.01; and

Involving Required Lenders. No such waiver, amendment or consent to any representation, warranty, covenant, Event of Default or other

provision of any Revolving Credit Document shall be effective for purposes of Section 4.02 with respect to the making of Revolving

Credit Loans after the Closing Date unless in writing and signed by Required Lenders and Borrower, with receipt acknowledged by Administrative

Agent;

provided further that no amendment, waiver

or consent shall, unless in writing and signed by Administrative Agent in addition to such Lenders as are otherwise required by this Section 10.01,

affect the rights or duties of Administrative Agent under this Agreement or any other Revolving Credit Document. Notwithstanding anything

to the contrary herein, no Lender who is at the time a Defaulting Lender shall have any right to approve or disapprove any amendment,

waiver or consent hereunder, except that the Commitment of such Lender may not be increased or extended without the consent of such Lender.

Notwithstanding anything to the contrary herein

(i) Administrative Agent may make Benchmark Conforming Changes in accordance with Section 2.08, and (ii) in connection

with the use or administration of any Benchmark, the Administrative Agent will have the right to make Benchmark Conforming Changes from

time to time, and any amendments implementing such Benchmark Conforming Changes will become effective without any further action or consent

of any other party to this Agreement or any other Revolving Credit Document (provided that the Administrative Agent will promptly notify

the Borrower and the Class A Lenders of the effectiveness of any such Benchmark Conforming Changes).

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(d)            Matters

Involving Required Lenders and Required Class B Lenders. Unless in writing and signed by Required Lenders, Required Class B

Lenders and Borrower, with receipt acknowledged by Administrative Agent, do any of the following:

(i)            amend,

modify or waive any provisions of (i) Sections 2.01, 2.05, 2.08(a) through (c), 2.09, 2.10, Article III, 6.12, 7.01, 7.02(e),

7.03, 7.06, 7.14, or 8.01 of this Agreement or (ii) any other provisions of this Agreement in a manner that impacts any consent rights

of Class B Agent expressly provided herein, in each case, in any respect (including by way of amendment, modification or waiver to

the definitions used directly or indirectly therein);

(ii)            permit

the appointment of another Person as the administrative agent under this Agreement and the other Revolving Credit Documents;

(iii)           waive

the incurring or payment of interest at the Default Rate with respect to the Class B Loans;

(iv)          amend

or modify any provisions of this Agreement or the other Revolving Credit Documents to increase the rate of interest payable on any Class A

Loans or the amount of fees payable with respect to the Class A Loans or principal payable on the Class A Loans;

(v)           provide

for any Lien releases not otherwise set forth in this Agreement or any other Revolving Credit Document as of the Closing Date; or

(vi)          waive

any condition precedent to the funding of Class B Loans.

SECTION 10.02                   NOTICES; EFFECTIVENESS;

ELECTRONIC COMMUNICATIONS.

(a)            Notices

Generally. Except as provided in Section 10.02(b), all notices and other communications provided for herein shall be in

writing and shall be delivered by hand or overnight courier service, mailed by certified or registered mail, sent by telefacsimile transmission

or sent by approved electronic communication in accordance with Section 10.02(b), as follows:

(i)            if

to Borrower, any Guarantor or Administrative Agent, to the address, telefacsimile number or e-mail address specified for such Person on

Schedule 10.02; and

(ii)            if

to any Lender, to the address, telefacsimile number or e-mail address specified in its Administrative Detail Form.

Notices sent by hand or overnight

courier service, or mailed by certified or registered mail, shall be deemed to have been given when received, and notices sent by telefacsimile

transmission or by means of approved electronic communication shall be deemed to have been given when sent (except that, if not given

during normal business hours for the recipient, shall be deemed to have been given at the opening of business on the next business day

for the recipient); provided that notices delivered through electronic communications to the extent provided by Section 10.02(b) shall

be effective as provided in such subsection (b).

Page 115

(b)            Electronic

Communications. Each Lender agrees that notices and other communications to it hereunder may be delivered or furnished by electronic

communication (including e-mail and Internet or intranet websites) pursuant to procedures approved by Administrative Agent; provided

that the foregoing shall not apply to notices to any Lender pursuant to Article II if such Lender has notified Administrative

Agent that it is incapable of receiving notices under Article II by electronic communication; provided further that,

as of the date hereof, each Lender who is a party hereto confirms that it is capable of receiving notices under Article II

by electronic communication. In furtherance of the foregoing, each Lender hereby agrees to notify Administrative Agent in writing, on

or before the date such Lender becomes a party to this Agreement, of such Lender’s e-mail address to which a notice may be sent

(and from time to time thereafter to ensure that Administrative Agent has on record an effective e-mail address for such Lender). Each

of Administrative Agent and Borrower may, in its discretion, agree to accept notices and other communications to it hereunder by means

of electronic communication pursuant to procedures approved by it; provided that approval of such procedures may be limited to

particular notices or communications.

Unless Administrative Agent

otherwise prescribes: (A) notices and other communications sent to an e-mail address shall be deemed received upon the sender’s

receipt of an acknowledgement from the intended recipient (such as by the “return receipt requested” function, as available,

return e-mail or other written acknowledgement); provided that, if such notice or other communication is not sent during the normal

business hours of the recipient, such notice or communication shall be deemed to have been sent at the opening of business on the next

Business Day for the recipient; and (B) notices or communications posted to an Internet or intranet website shall be deemed received

upon the deemed receipt by the intended recipient at its e-mail address as described in the foregoing clause (A) of notification

that such notice or communication is available and identifying the website address therefor.

of Address, Etc. Borrower and Administrative Agent may change their respective address(es) telefacsimile number(s) or e-mail

address(es) for notices and other communications hereunder by notice to the other parties hereto. Each Lender may change its address(es),

telefacsimile number(s) or e-mail address(es) for notices and other communications hereunder by notice to Borrower and Administrative

Agent.

(d)            Reliance

by Administrative Agent and Lenders. Administrative Agent and Lender shall be entitled to rely and act upon any notices (including

electronically delivered Notices of Borrowing) purportedly given by or on behalf of Borrower even if: (i) such notices were not made

in a manner specified herein, were incomplete or were not preceded or followed by any other form of notice specified herein; or (ii) the

terms thereof, as understood by the recipient, varied from any confirmation thereof. Borrower shall indemnify Administrative Agent and

each Lender and their respective Related Parties from all losses, costs, expenses and liabilities resulting from the reliance by such

Person on each notice purportedly given by or on behalf of Borrower.

(e)            Platform.

Borrower hereby acknowledges that: (i) Administrative Agent may make available to Lenders Specified Materials by posting some or

all of the Specified Materials on an Electronic Platform; (ii) the distribution of materials and information through an electronic

medium is not necessarily secure and that there are confidentiality and other risks associated with any such distribution, the Electronic

Platform is provided and used on an “As Is,” “As

Available” basis; and (iii) neither Administrative Agent nor any of its Affiliates warrants the accuracy, completeness,

timeliness, sufficiency or sequencing of the Specified Materials posted on the Electronic Platform. Administrative

Agent, on behalf of itself and its Affiliates, expressly and specifically disclaims, with respect to the Electronic Platform, delays in

posting or delivery, or problems accessing the Specified Materials posted on the Electronic Platform, and any liability for any losses,

costs, expenses or liabilities that may be suffered or incurred in connection with the Electronic Platform. No warranty of any kind, express,

implied or statutory, including any warranty of merchantability, fitness for a particular purposes, non-infringement of third party rights

or freedom from viruses or other code defects, is made by Administrative Agent or any of its Affiliates in connection with the Electronic

Platform.

Page 116

Each Lender hereby agrees

that notice to it in accordance with Section 10.02(b)(i) specifying that any Specified Materials have been posted to

the Electronic Platform shall, for purposes of this Agreement, constitute effective delivery to such Lender of such Specified Materials.

Each

LENDER: (1) acknowledges that the Specified Materials, including information furnished to it by any Credit Party or Administrative

Agent pursuant to, or in the course of administering, the Revolving Credit Documents, may include material, non-public information concerning

the Credit Parties and their respective Subsidiaries or Affiliates or their respective securities; and (2) confirms that: (I) it

has developed compliance procedures regarding the use of material, non-public information; (II) it will handle such material, non-public

information in accordance with such procedures and applicable Laws, include Federal and state securities laws; and (III) it has identified

in its Administrative Detail Form a contact person who may receive Specified Materials that may contain material, non-public information

in accordance with its compliance procedures and applicable Laws.

SECTION 10.03                   NO WAIVER; CUMULATIVE

REMEDIES.

No failure by Administrative

Agent or any Lender to exercise, and no delay by any such Person in exercising, any right, remedy, power or privilege hereunder shall

operate as a waiver thereof; no single or partial exercise of any right, remedy, power or privilege hereunder shall preclude any other

or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights, remedies, powers and privileges

herein provided are cumulative and not exclusive of any rights, remedies, powers and privileges provided by Law.

SECTION 10.04                   EXPENSES; INDEMNITY;

DAMAGE WAIVER.

(a)            Costs

and Expenses. The Credit Parties shall pay: (i) all reasonable out-of-pocket costs and expenses incurred by Administrative Agent

and its respective Affiliates (including the reasonable fees, charges and disbursements of counsel for Administrative Agent), in connection

with the syndication of the credit facilities provided for herein, the examination, review, due diligence investigation, preparation,

negotiation, documentation, execution, delivery and administration of this Agreement and the other Revolving Credit Documents or any amendments,

modifications, supplements, consents or waivers of the provisions hereof or thereof (whether or not the transactions contemplated hereby

or thereby shall be consummated) or any subsequent closings or other transactions pursuant to the terms hereof or thereof; (ii) all

reasonable out-of-pocket costs and expenses incurred by Administrative Agent and its respective Affiliates in connection with external

compliance, management system and other audit fees and expenses, all reasonable third party collateral and portfolio management fees and

expenses, all reasonable out-of-pocket costs and expenses incurred for credit investigations, and all reasonable out-of-pocket costs and

expenses incurred for visits and inspections under Section 6.10; (iii) all reasonable out-of-pocket costs and expenses

incurred by Administrative Agent and its respective Affiliates in connection with the administration of the Revolving Credit Loans, including,

without limitation, wire transfer fees and travel and other expenses incurred under Section 6.10; (iv) all out-of-pocket

costs and expenses of Administrative Agent and its Affiliates in connection with the creation, perfection and maintenance of the Liens

contemplated by the Revolving Credit Documents and in connection with periodic public record searches conducted by Administrative Agent

in its Permitted Discretion (including, without limitation, title investigations, UCC searches, judgment, pending litigation and tax lien

searches and searches of applicable corporate, limited liability, partnership and related records concerning the continued existence,

organization and good standing of the Credit Parties; (v) all out-of-pocket costs, fees and expenses of any financial institution

providing services associated with the Concentration Accounts or any other Deposit Account of the Credit Parties and all fees and expenses

of any Processor and/or Backup Servicing Agent; and (vi) all reasonable out-of-pocket expenses incurred by Administrative Agent or

any Lender (including the reasonable fees, charges and disbursements of any counsel for Administrative Agent or any Lender), and shall

pay all reasonable fees and time charges for attorneys, who may be employees of Administrative Agent or any Lender, in connection with

the interpretation, enforcement or protection of its rights and remedies: (A) in connection with this Agreement and the other Revolving

Credit Documents, including its rights under this Section 10.04; (B) in connection with the Revolving Credit Loans made

hereunder, including all reasonable such out-of-pocket expenses incurred during any workout, restructuring, bankruptcy or other insolvency

or enforcement proceeding (or negotiations in connection with the foregoing whether or not the transactions contemplated thereby shall

be consummated) in respect of such Revolving Credit Loans; (C) in connection with protecting, storing, insuring, handling, maintaining

or selling any Collateral; and (D) in connection with any litigation, dispute, suit or proceeding relating to any Revolving Credit

Document.

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(b)            Indemnification

by Borrower and the other Credit Parties. Borrower and the other Credit Parties party hereto shall indemnify each Indemnitee against,

and hold each Indemnitee harmless from, any and all losses, claims, damages, liabilities and related expenses (including the fees, charges

and disbursements of any counsel for any Indemnitee), and shall indemnify and hold harmless each Indemnitee from all reasonable fees and

time charges and disbursements for attorneys, who may be employees of any Indemnitee, incurred by any Indemnitee or asserted against any

Indemnitee by any third party or by Borrower or any other Credit Party arising out of, in connection with, or as a result of: (i) the

execution or delivery of this Agreement, any other Revolving Credit Document or any document contemplated hereby or thereby, the performance

by the parties hereto of their respective obligations hereunder or thereunder or the consummation of the transactions contemplated hereby

or thereby; (ii) any Revolving Credit Loan or the use or proposed use of the proceeds therefrom; (iii) any actual or alleged

presence or release of Hazardous Materials on or from any property owned or operated by Borrower, any Subsidiary thereof or any other

Credit Party, or any Environmental Claim or Environmental Liability related in any way to Borrower, any Subsidiary thereof or any other

Credit Party; or (iv) any actual or prospective claim, litigation, investigation or proceeding relating to any of the foregoing,

whether based on contract, tort or any other theory, whether brought by a third party or by Borrower, any Subsidiary thereof or any other

Credit Party, and regardless of whether any Indemnitee is a party thereto, in all cases, whether or not caused by or arising, in whole

or in part, out of the comparative, contributory or sole negligence of the Indemnitee; provided that such indemnity shall not,

as to any Indemnitee, be available to the extent that such losses, claims, damages, liabilities or related expenses resulted from the

gross negligence or willful misconduct of such Indemnitee in the performance of its respective duties under the Revolving Credit Documents

as determined by a final non-appealable judgment of a court of competent jurisdiction; provided further that such indemnity shall

not be available in connection with any action by one Indemnitee against another Indemnitee unrelated to actions or omissions of Borrower

or any other Credit Party or Subsidiary.

by Lenders. If Borrower for any reason fails to pay when due any amount that it is required to pay under Section 10.04(a) or

Section 10.04(b) to Administrative Agent (or any sub-agent thereof) or any Related Party of Administrative Agent, each

Lender severally agrees to pay to Administrative Agent (or any such sub-agent) or such Related Party, as the case may be, such Lender’s

pro rata share (based on its Percentage Shares (determined as of the time that the applicable unreimbursed expense or indemnity payment

is sought) of such unpaid amount; provided that the unreimbursed expense or indemnified loss, claim, damage, liability or related

expense, as the case may be, was incurred by or asserted against Administrative Agent (or any such sub-agent) or any Related Party of

any of Administrative Agent acting for Administrative Agent (or any such sub-agent) in connection with such capacity. The obligations

of Lenders under this subsection (c) are subject to the provisions of Section 2.12(d).

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(d)            Waiver

of Consequential Damages, Etc. To the fullest extent permitted by applicable Law, each Credit Party shall not assert, and hereby waives,

any claim against any Indemnitee, on any theory of liability, for special, indirect, consequential or punitive damages (as opposed to

direct or actual damages) arising out of, in connection with, or as a result of, this Agreement, any other Revolving Credit Document or

any document contemplated hereby, the transactions contemplated hereby or thereby, any Revolving Credit Loan or the use of the proceeds

thereof. No Indemnitee referred to in Section 10.04(b) shall be liable for any damages arising from the use by unintended

recipients of any information or other materials distributed by it through telecommunications, electronic or other information transmission

systems in connection with this Agreement or the other Revolving Credit Documents or the transactions contemplated hereby or thereby.

(e)            Payments.

All amounts due under this Section 10.04 shall be payable not later than five (5) Business Days after demand therefor.

(f)            Survival.

The agreements in this Section 10.04 shall survive the resignation of Administrative Agent, the replacement of any

Lender, the termination of the Aggregate Commitments and the Discharge of Secured Obligations.

SECTION 10.05                   MARSHALLING;

PAYMENTS SET ASIDE; RELEASES UPON DISCHARGE OF SECURED OBLIGATIONS

(a)            Neither

Administrative Agent nor any Lender shall be under any obligation to marshal any asset in favor of Borrower or any other Person or against

or in payment of any or all of the Obligations. To the extent that any payment by or on behalf of Borrower or any other Credit Party is

made to Administrative Agent or any Lender, or Administrative Agent or any Lender exercises its right of setoff, and such payment or the

proceeds of such setoff or any part thereof is subsequently invalidated, declared to be fraudulent or preferential, set aside or required

(including pursuant to any settlement entered into by Administrative Agent or any Lender in such Person’s discretion) to be repaid

to a trustee, receiver or any other party, in connection with any proceeding under any Bankruptcy Law or otherwise, then: (a) to

the extent of such recovery, the obligation or part thereof originally intended to be satisfied shall be revived and continued in full

force and effect as if such payment had not been made or such setoff had not occurred; and (b) each Lender severally agrees to pay

to Administrative Agent upon demand its applicable share (without duplication) of any amount so recovered from or repaid by Administrative

Agent plus interest thereon from the date of such demand to the date such payment is made at a rate per annum equal to the Federal

Funds Rate. The obligations of each Lender under clause (b) of the preceding sentence shall survive the Discharge of Secured Obligations

and the termination of this Agreement.

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(b)            Subject

to Section 10.04 and all other provisions of this Agreement and any other Revolving Credit Document that survive the Discharge

of the Secured Obligations in accordance with their terms, this Agreement shall continue in full force and effect until the Discharge

of Secured Obligations has occurred. If the Discharge of Secured Obligations has occurred (without giving effect to the proviso therein)

and if, at such time, any Specified Claim exists, then Credit Parties and Administrative Agent shall in good faith negotiate a Transaction

Termination Collateral Package Event in respect of such Specified Claim and upon consummation of such Transaction Termination Collateral

Package Event, the Discharge of Secured Obligations shall occur. Upon the occurrence of the Discharge of Secured Obligations, the Collateral

shall be released from the Liens created by the Collateral Documents, and, subject to Section 10.4 and all other provisions

of this Agreement and any other Revolving Credit Document that survive the Discharge of the Secured Obligations in accordance with their

terms, all Obligations (other than those expressly stated to survive such termination) of Borrower and each other Credit Party hereunder

or under any other Revolving Credit Document (as applicable) shall terminate, all without delivery of any instrument or any further action

by any party, and all rights to any Collateral shall revert to Borrower and the other Credit Parties, all without recourse to or representation

or warranty by Administrative Agent or any Lender, At the reasonable request of Borrower following any such termination, Administrative

Agent shall deliver to Borrower, at the sole expense of Borrower and the other Credit Parties, any Collateral held by the Lender pursuant

to the Collateral Documents, and shall execute and deliver to Borrower, at the sole expense of Borrower and the other Credit Parties,

such documents as Borrower shall reasonably request to evidence such release and termination, all without recourse to or representation

or warranty by Administrative Agent and Lender.

SECTION 10.06                   SUCCESSORS AND

ASSIGNS.

(a)            Successors

and Assigns Generally. The provisions of this Agreement shall be binding upon and inure to the benefit of the parties hereto and their

respective successors and assigns permitted hereby, except that neither Borrower nor any other Credit Party may assign or otherwise transfer

any of its rights or obligations hereunder without the prior written consent of Administrative Agent and each Lender, and no Lender may

assign or otherwise transfer any of its rights or obligations hereunder except: (i) to an Eligible Assignee in accordance with the

provisions of subsection (b) of this Section 10.06; (ii) by way of participation in accordance with the provisions

of subsection (d) of this Section 10.06; or (iii) by way of pledge or assignment of a security interest subject

to the restrictions of subsection (f) of this Section 10.06 (and any other attempted assignment or transfer by any

party hereto shall be null and void). Nothing in this Agreement, expressed or implied, shall be construed to confer upon any Person (other

than the parties hereto, their respective successors and assigns permitted hereby, Participants to the extent provided in subsection (d) of

this Section 10.06 and, to the extent expressly contemplated hereby, the Related Parties of each of Administrative Agent and

each Lender) any legal or equitable right, remedy or claim under or by reason of this Agreement.

(b)            Assignments

by any Lender. Any Lender may at any time assign (x) to one or more Eligible Assignees all or a portion of its rights (but not

its obligations) under this Agreement, and (y) to an Affiliate of any Lender all or a portion of its rights and obligations under

this Agreement, in each case. including all or a portion of its Commitment(s) and the Revolving Credit Loans at the time owing to

it; provided that (i) except in the case of an assignment of the entire remaining amount of the assigning Lender’s Commitment(s) and

Revolving Credit Loans at the time owing to it or in the case of an assignment to a Lender or an Affiliate of a Lender, the aggregate

amount of the Commitment(s) (which for this purpose includes Revolving Credit Loans outstanding thereunder) or, if any Commitment

is not then in effect, the Outstanding Legal Balance of the Revolving Credit Loans of the assigning Lender subject to each such assignment,

determined as of the date the Assignment and Assumption with respect to such assignment is delivered to Administrative Agent or, if a

“trade date” is specified in the Assignment and Assumption, as of such trade date, shall not be less than $1,000,000.00 unless

Administrative Agent otherwise consents in its sole discretion; (ii) each partial assignment shall be made as an assignment of a

proportionate part of all the assigning Lender’s rights (and, solely with respect to an assignment to an Affiliate of a Lender,

the assigning Lender's obligations) under this Agreement with respect to the Revolving Credit Loans or the Commitment assigned; (iii) any

assignment of a Commitment must be approved by Administrative Agent, unless the Person that is the proposed assignee is itself a Lender

(whether or not the proposed assignee would otherwise qualify as an Eligible Assignee) or in the case of any assignment of Commitments

of any Lender that is a Class B Lender as of the Closing Date, an Affiliate of such Class B Lender; (iv) the Eligible Assignee,

if it is not then a Lender, shall deliver to Administrative Agent an Administrative Detail Form; (v) the parties to each assignment

shall execute and deliver to Administrative Agent an Assignment and Assumption, together with a processing and recordation fee of $3,500.00;

provided that Administrative Agent hereby waives such processing and recordation fee in connection with any assignment effected

pursuant to Section 3.07(a); (vi) no assignment shall require the prior written consent of Borrower; and (vii) in

no event shall any Person be entitled to be a Class A Lender without the prior consent of Administrative Agent (including without

limitation, any Person which is directly or indirectly owned, in whole or in part, by BP Funding Trust V or any Affiliate of BP Funding

Trust V). Subject to acceptance and recording thereof by Administrative Agent pursuant to subsection (c) of this Section 10.06,

from and after the effective date specified in each Assignment and Assumption, the Eligible Assignee thereunder shall be a party to this

Agreement and, to the extent of the interest assigned by such Assignment and Assumption, have the rights (and, solely with respect to

an assignment to an Affiliate of a Lender, the obligations) of Lender under this Agreement, and the assigning Lender thereunder shall

not be released from its obligations under this Agreement; provided, however, that, in the case of an Assignment and Assumption

between an assigning Lender and an Affiliate of a Lender, the assigning Lender shall be released from its obligations under this Agreement

to the extent of the interest assigned by such Assignment and Assumption (and, in the case of an Assignment and Assumption between an

assigning Lender and an Affiliate of a Lender covering all of such assigning Lender's rights and obligations under this Agreement, such

assigning Lender shall cease to be a party hereto) but shall continue to be entitled to the benefits of Section 3.01, Section 3.04

and Section 10.04 with respect to facts and circumstances occurring prior to the effective date of such Assignment and Assumption.

Upon request, Borrower (at its expense) shall execute and deliver Notes to the assignee Lender. Any assignment or transfer by a Lender

of its rights under this Agreement that does not comply with this subsection shall be treated for purposes of this Agreement as a sale

by such Lender of a participation in such rights in accordance with subsection (d) of this Section 10.06.

Page 120

Administrative Agent, acting solely for this purpose as an agent of Borrower, shall maintain at Administrative Agent’s Office a

copy of each Assignment and Assumption delivered to it and a Register, which meets the requirements of U.S. Treasury Regulation §

5f.103-1(c). The entries in the Register shall be conclusive, and Borrower, Administrative Agent and Lenders shall treat each Person whose

name is recorded in the Register pursuant to the terms hereof as a Lender hereunder for all purposes of all rights under this Agreement,

notwithstanding notice to the contrary. The Register shall be available for inspection by each of Borrower and Lenders, at any reasonable

time and from time to time upon reasonable prior notice. In addition, at any time that a request for a consent for a material or substantive

change to the Revolving Credit Documents is pending, any Lender wishing to consult with other Lenders in connection therewith may request

and receive from Administrative Agent a copy of the Register.

(d)            Participations.

Any Lender may at any time, without the consent of, or notice to, Borrower or Administrative Agent, sell participations to any Participant

in all or a portion of such Person’s rights (but, except with respect to a Participant that is an Affiliate of a Lender, not obligations)

under this Agreement (including all or a portion of its Commitment(s) and/or the Revolving Credit Loans owing to it); provided

that: (i) such Person’s obligations under this Agreement shall remain unchanged; (ii) such Person shall remain solely

responsible to the other parties hereto for the performance of such obligations; and (iii) Borrower, Administrative Agent and Lenders

shall continue to deal solely and directly with such Person in connection with such Person’s rights and obligations under this Agreement.

Any document pursuant to which a Lender sells such a participation shall provide that such Person shall retain the sole right to enforce

this Agreement and the other Revolving Credit Documents and to approve any amendment, modification or waiver of any provision of this

Agreement and the other Revolving Credit Documents; provided that such document may provide that such Person will not, without

the consent of the Participant, agree to any amendment, waiver or other modification described in the first proviso to Section 10.01

that affects such Participant. Subject to subsection (e) of this Section 10.06, Borrower agrees that each Participant

shall be entitled to the benefits of Section 3.01, Section 3.04 and Section 3.05 to the same extent

as if it were a Lender hereunder and had acquired its interest by assignment pursuant to subsection (b) of this Section 10.06.

To the extent permitted by Law, each Participant also shall be entitled to the benefits of Section 10.08 as though it were

a Lender, as long as such Participant agrees to be subject to Section 2.13 as though it were a Lender. Each Lender that sells

a participation shall, acting solely for this purpose as a non-fiduciary agent of Borrower, maintain a register on which it enters the

name and address of each Participant and the principal amounts (and stated interest) of each Participant's interest in the obligations

under this Agreement and the Revolving Credit Loans; provided that no Lender shall have any obligation to disclose all or any portion

of the participant register (including the identity of any Participant or any information relating to a Participant's interest in any

Revolving Credit Loans) to any Person except to the extent that such disclosure is necessary to establish that such commitment, loan or

other obligation is in registered form under Section 5f.103-1(c) of the Untitled States Treasury Regulations. The entries in

each such participant register shall be conclusive absent manifest error, and such Lender shall treat each Person whose name is recorded

in the participant register as the owner of such participation for all purposes of this Agreement notwithstanding any notice to the contrary.

For the avoidance of doubt, Administrative Agent (in its capacity as Administrative Agent) shall have no responsibility for maintaining

a register of Participants.

Page 121

(e)            Limitations

upon Participant Rights. A Participant shall not be entitled to receive any greater payment under Section 3.04 than the

applicable Lender would have been entitled to receive with respect to the participation sold to such Participant, unless the sale of the

participation to such Participant is made with Borrower’s prior written consent. A Participant that would be a Foreign Lender if

it were a Lender shall not be entitled to the benefits of Section 3.01 unless Borrower is notified of the participation sold

to such Participant and such Participant agrees, for the benefit of Borrower, to comply with Section 3.01(e) as

though it were a Lender.

(f)            Certain

Pledges. Any Lender may at any time pledge or assign a security interest in all or any portion of its rights under this Agreement

(including under its Note, if any) to secure obligations of such Lender, including any pledge or assignment to secure obligations to a

Federal Reserve Bank; provided that no such pledge or assignment shall release such Lender from any of its obligations hereunder

or substitute any such pledgee or assignee for such Lender as a party hereto.

(g)            Class A

Syndication. In connection with efforts of Veritex to syndicate Revolving Credit Commitment in accordance with the Engagement Letter

dated December 1, 2023, Lenders agree that (i) Class B Lenders will, within ten (10) Business Days following a written

request of Veritex, assign to an Eligible Assignee selected by Veritex in accordance with Section 10.06(b) a portion

of the Revolving Credit Commitment classified as Class B Loans in an amount requested by such Eligible Assignee (a “Syndication

Transfer”), and (ii) simultaneously with such Syndication Transfer, the portion of the Revolving Credit Commitment

classified as Class B Loans assigned to such Eligible Assignee shall be reclassified as Class A Loans; provided that, in no

event shall the aggregate Class A Revolving Credit Commitment Amount exceed $80,000,000. Administrative Agent and Lender agree to

execute such documents as may be necessary to reflect such Syndication Transfer and the conversion of such Class B Loan to a Class A

Loan. Class B Lenders agree to cooperate with any Syndication Transaction, including the execution and delivery of any documents,

instruments or certificates as may be reasonably necessary to evidence or effectuate such Syndication Transfer. In the event Class B

Lenders are unwilling to assign, or unable to agree which Class B Lender will assign, a portion of their Revolving Credit Commitment

as part of a Syndication Transfer, Administrative Agent shall have the right to either (A) select the portion of the Class B

Loan which will be subject to the Syndication Transfer and execute such documents as may be necessary to effectuate such Syndication Transfer

without the consent or approval of Class B Lenders, or (B) declare the Class B Lender to be Defaulting Lenders until such

time as the Syndication Transfer is completed.

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(h)            Purchase

Option. During the existence of an Event of Default or Subordination Event, BP Funding Trust V shall have the option to purchase all,

but not less than all, of the Class A Revolving Credit Commitments from Class A Lenders by providing prior written notice (which

written notice shall be irrevocable) (“Purchase Notice”) which sets forth a closing date for the purchase of

the Class A Revolving Credit Commitments no less than five (5) Business Days after such Purchase Notice and no later than thirty

(30) days after such Purchase Notice (the “Purchase Closing Date”). On the Purchase Closing Date (a) BP

Funding Trust V shall pay to each Class A Lender the aggregate Outstanding Legal Balance of all of its Class A Loans at the

time owing to it, all accrued and unpaid interest thereon, all accrued and unpaid fees and all other amounts payable to it hereunder (collectively,

the “Purchase Price”), and (b) Class A Lenders shall cause the assignment of the Class A Loans

to BP Funding Trust V pursuant to this Section 10.06 upon receipt of the Purchase Price. Simultaneously with the receipt of

the Purchase Price by every Class A Lender, Veritex shall be deemed to have automatically resigned as Administrative Agent and BP

Funding Trust V shall be automatically appointed as successor Administrative Agent. Failure of BP Funding Trust V to deliver the Purchase

Price to every Class A Lender on or before the Purchase Closing Date (a “Purchase Default”) shall constitute

a termination of the right to purchase the Class A Revolving Credit Commitment pursuant to this subsection (h). A Standstill

Period shall be deemed to exist when a Purchase Notice is delivered, which Standstill Period shall terminate on the Purchase Closing Date

or a Purchase Default.

SECTION 10.07                   TREATMENT OF

CERTAIN INFORMATION; CONFIDENTIALITY.

Administrative Agent and each

Lender each agrees to maintain the confidentiality of the Information by exercising the same degree of care to maintain the confidentiality

of such Information as such Person would accord to its own confidential information in the ordinary course of business in accordance with

its customary practices, except that Information (as defined below) may be disclosed: (a) to its Affiliates and to its and its Affiliates’

respective partners, directors, officers, trustees, partners, owners, employees, agents, advisors, attorneys, representatives and financing

sources (it being understood that the Persons to whom such disclosure is made will be informed of the confidential nature of such Information

and accepts receipt of such Information subject to a duty of confidentiality); (b) to the extent requested by any regulatory authority,

purporting to have jurisdiction over it (including any self-regulatory authority, such as the National Association of Insurance Commissioners);

(c) to the extent required by applicable Laws or regulations or by any investigative process, subpoena or similar legal process;

(d) to any other party hereto; (e) to any Person that provides statistical analysis and/or information services to Administrative

Agent or Lenders (it being understood that the Persons to whom such disclosure is made will be informed of the confidential nature of

such Information and accepts receipt of such Information subject to a duty of confidentiality); (f) in connection with the exercise

of any remedies hereunder or under any other Revolving Credit Document or any action or proceeding relating to this Agreement or any other

Revolving Credit Document or the interpretation, preservation or enforcement of rights hereunder or thereunder; (g) to: (i) any

assignee of or Participant in, or any prospective assignee of or Participant in, any of its rights or obligations under this Agreement;

or (ii) any actual or prospective counterparty (or its advisors) to any swap or derivative transaction relating to any Credit Party;

provided that, in each case of this clause (g)(i) and (ii), the Persons to whom such disclosure is made will be informed of

the confidential nature of such Information and will accept receipt of such Information subject to a duty of confidentiality; (h) to

any other Person with the consent of Borrower; or (i) to the extent such Information: (i) becomes publicly available other than

as a result of a breach of this Section 10.07; or (ii) becomes available to Administrative Agent, any Lender or any of

their respective Affiliates on a non-confidential basis from a source other than Borrower or any Subsidiary thereof and not in contravention

of this Section 10.07. For purposes of this Section 10.07, “Information” means all information

(including financial information) received from the Credit Parties relating to the Credit Parties or any of their respective businesses

and constituting financial information or other any other information marked as “CONFIDENTIAL” when furnished, other than

any such information whatsoever that is available to Administrative Agent or any Lender on a nonconfidential basis, and not in contravention

of this Section 10.07, prior to disclosure by the Credit Parties thereof. Any Person required to maintain the confidentiality

of Information as provided in this Section 10.07 shall be considered to have complied with its obligation to do so if

such Person has exercised the same degree of care to maintain the confidentiality of such Information as such Person would accord to its

own confidential information in the ordinary course of business in accordance with its customary practices. Notwithstanding the foregoing,

the Credit Parties hereby agree that Administrative Agent, Lenders or any of their respective Affiliates may (i) disclose a general

description of transactions arising under the Revolving Credit Documents for advertising, marketing or other similar purposes and (ii) use

the Credit Parties’ name, logo or other indicia germane to such party in connection with such advertising, marketing or other similar

purposes.

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SECTION 10.08                   RIGHT OF SETOFF.

If an Event of Default shall

have occurred and be continuing, each Lender and their respective Affiliates is hereby authorized at any time and from time to time, to

the fullest extent permitted by applicable Law, to set off and apply any and all deposits (general or special, time or demand, provisional

or final, in whatever currency) at any time held and other obligations (in whatever currency) at any time owing by such Lender to or for

the credit or the account of Borrower or any other Credit Party against any and all of the Obligations to such Lender or such Affiliate,

irrespective of whether or not such Lender shall have made any demand under this Agreement or any other Revolving Credit Document and

although such obligations of Borrower or such Credit Party may be contingent or unmatured or are owed to a branch or office of such Lender

different from the branch or office holding such deposit or obligated on such obligations. The rights of each Lender and its Affiliates

under this Section 10.08 are in addition to other rights and remedies (including other rights of setoff) that such Lender

or its Affiliates may have. Each Lender agrees to notify Borrower and Administrative Agent promptly after any such setoff and application;

provided that the failure to give such notice shall not affect the validity of such setoff and application. Notwithstanding

the foregoing, no Lender shall exercise, or attempt to exercise, any right of set-off, banker’s lien, or the like, against any deposit

account or property of Borrower or any Subsidiary thereof held or maintained by such LENDER without the prior written consent of Administrative

Agent.

SECTION 10.09                   INTEREST RATE

LIMITATION.

Notwithstanding anything to

the contrary contained in any Revolving Credit Document, the interest paid or agreed to be paid under the Revolving Credit Documents shall

not exceed the Maximum Rate. If Administrative Agent or any Lender shall receive interest in an amount that exceeds the Maximum Rate,

the excess interest shall be applied to the principal of the Revolving Credit Loans or, if it exceeds such unpaid principal, refunded

to Borrower. In determining whether the interest contracted for, charged, or received by Administrative Agent or a Lender exceeds the

Maximum Rate, such Person may, to the extent permitted by applicable Law: (a) characterize any payment that is not principal as an

expense, fee, or premium rather than interest; (b) exclude voluntary prepayments and the effects thereof; and (c) amortize,

prorate, allocate, and spread in equal or unequal parts the total amount of interest throughout the contemplated term of the Obligations

hereunder.

SECTION 10.10                   COUNTERPARTS;

INTEGRATION; EFFECTIVENESS; ELECTRONIC EXECUTION.

(a)            Counterparts;

Integration; Effectiveness. This Agreement may be executed in counterparts (and by different parties hereto in different counterparts),

each of which shall constitute an original, but all of which when taken together shall constitute a single contract. This Agreement and

the other Revolving Credit Documents, and any separate letter agreements with respect to fees payable to Administrative Agent, constitute

the entire contract among the parties relating to the subject matter hereof and supersede any and all previous agreements and understandings,

oral or written, relating to the subject matter hereof. Except as provided in Section 4.01, this Agreement shall become effective

when it shall have been executed by Administrative Agent and when Administrative Agent shall have received counterparts hereof that, when

taken together, bear the signatures of each of the other parties hereto. Delivery of an executed counterpart of a signature page of

this Agreement by facsimile or in electronic (i.e., “pdf” or “tif”) format shall be effective as delivery of a

manually executed counterpart of this Agreement.

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(b)            Electronic

Execution of Assignments. The words “execution,” “signed,” “signature,” and words of like import

in any Assignment and Assumption shall be deemed to include electronic signatures or the keeping of records in electronic form, each of

which shall be of the same legal effect, validity or enforceability as a manually executed signature or the use of a paper-based recordkeeping

system, as the case may be, to the extent and as provided for in any applicable Law, including the Federal Electronic Signatures in Global

and National Commerce Act, the New York State Electronic Signatures and Records Act, or any other similar state Laws based on the Uniform

Electronic Transactions Act.

SECTION 10.11                   SURVIVAL OF

REPRESENTATIONS AND WARRANTIES.

All representations and warranties

made hereunder and in any other Revolving Credit Document or other document delivered pursuant hereto or thereto or in connection herewith

or therewith shall survive the execution and delivery hereof and thereof. Such representations and warranties have been or will be relied

upon by Administrative Agent and each Lender, regardless of any investigation made by Administrative Agent or any Lender or on their behalf

and notwithstanding that Administrative Agent or any Lender may have had notice or knowledge of any Default at the time of any Borrowing,

and shall continue in full force and effect as long as the Discharge of Secured Obligations has not occurred.

SECTION 10.12                     SEVERABILITY.

If any provision of this Agreement

or the other Revolving Credit Documents is held to be illegal, invalid or unenforceable, (a) the legality, validity and enforceability

of the remaining provisions of this Agreement and the other Revolving Credit Documents shall not be affected or impaired thereby and (b) the

parties shall endeavor in good faith negotiations to replace the illegal, invalid or unenforceable provisions with valid provisions the

economic effect of which comes as close as possible to that of the illegal, invalid or unenforceable provisions. The invalidity of a provision

in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction.

SECTION 10.13                   USA PATRIOT

ACT NOTICE.

Each Lender that is subject

to the Act and Administrative Agent (for itself and not on behalf of any Lender) hereby notify Borrower that, pursuant to the requirements

of the Act, they are each required to obtain, verify and record information that identifies Borrower and each other Credit Party, which

information includes the name and address of Borrower and each other Credit Party and other information that will allow such Lender or

Administrative Agent, as applicable, to identify Borrower and each other Credit Party in accordance with the Act.

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SECTION 10.14                   GUARANTY BY

SUBSIDIARIES.

(a)            Guaranty.

Each Subsidiary of Borrower party hereto (each, a “Subsidiary Guarantor”) unconditionally and irrevocably guarantees

to Administrative Agent and Lenders the full and prompt payment when due (whether at stated maturity, by required prepayment, declaration,

acceleration, demand or otherwise) and performance of the Obligations (the “Guaranteed Obligations”). The Guaranteed

Obligations include interest that, but for a proceeding under any Bankruptcy Law, would have accrued on such Guaranteed Obligations, whether

or not a claim is allowed against Borrower for such interest in any such proceeding.

(b)            Separate

Obligation. Each Subsidiary Guarantor acknowledges and agrees that: (i) the Guaranteed Obligations are separate and distinct

from any Debt arising under or in connection with any other document, including under any provision of this Agreement other than this

Section 10.14, executed at any time by such Subsidiary Guarantor in favor of Administrative Agent or any Lender; and (ii) such

Subsidiary Guarantor shall pay and perform all of the Guaranteed Obligations as required under this Section 10.14, and Administrative

Agent and Lenders may enforce any and all of their respective rights and remedies hereunder, without regard to any other document, including

any provision of this Agreement other than this Section 10.14, at any time executed by such Subsidiary Guarantor in favor

of Administrative Agent or any Lenders, irrespective of whether any such other document, or any provision thereof or hereof, shall for

any reason become unenforceable or any of the Debt thereunder shall have been discharged, whether by performance, avoidance or otherwise.

Each Subsidiary Guarantor acknowledges that, in providing benefits to Borrower, Administrative Agent and Lenders are relying upon the

enforceability of this Section 10.14 and the Guaranteed Obligations as separate and distinct Debt of such Subsidiary

Guarantor, and each Subsidiary Guarantor agrees that Administrative Agent and Lenders would be denied the full benefit of their bargain

if at any time this Section 10.14 or the Guaranteed Obligations were treated any differently. The fact that the guaranty is

set forth in this Agreement rather than in a separate guaranty document is for the convenience of Borrower and Subsidiary Guarantors and

shall in no way impair or adversely affect the rights or benefits of Administrative Agent and Lenders under this Section 10.14.

Each Subsidiary Guarantor agrees to execute and deliver a separate document, promptly upon request at any time of Administrative Agent

or any Lender, evidencing such Subsidiary Guarantor’s obligations under this Section 10.14. Upon the occurrence of any

Event of Default, a separate action or actions may be brought against such Subsidiary Guarantor, whether or not Borrower, any other Subsidiary

Guarantor or any other Person is joined therein or a separate action or actions are brought against Borrower, any such other Subsidiary

Guarantor or any such other Person.

of Guaranty. To the extent that any court of competent jurisdiction shall impose by final judgment under applicable Law (including

the Uniform Fraudulent Transfer Act and Sections 544 and 548 of the Bankruptcy Code) any limitations on the amount of any Subsidiary

Guarantor’s liability with respect to the Guaranteed Obligations that Administrative Agent or any Lender can enforce under this

Section 10.14, Administrative Agent and Lenders by their acceptance hereof accept such limitation on the amount of such Subsidiary

Guarantor’s liability hereunder to the extent needed to make this Section 10.14 fully enforceable and nonavoidable.

(d)            Liability

of Subsidiary Guarantors. The liability of any Subsidiary Guarantor under this Section 10.14 shall be irrevocable, absolute,

independent and unconditional, and shall not be affected by any circumstance that might constitute a discharge of a surety or guarantor

other than the indefeasible payment and performance in full of all Guaranteed Obligations. In furtherance of the foregoing and without

limiting the generality thereof, each Subsidiary Guarantor agrees as follows:

(i)            such

Subsidiary Guarantor’s liability hereunder shall be the immediate, direct, and primary obligation of such Subsidiary Guarantor and

shall not be contingent upon Administrative Agent’s or any Lender’s exercise or enforcement of any remedy it may have against

Borrower or any other Person, or against any collateral or other security for any Guaranteed Obligations;

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(ii)            this

Guaranty is a guaranty of payment when due and not merely of collectibility;

(iii)          Administrative

Agent and Lenders may enforce this Section 10.14 upon the occurrence of an Event of Default notwithstanding the existence

of any dispute among Administrative Agent and Lenders, on the one hand, and Borrower or any other Person, on the other hand, with respect

to the existence of such Event of Default;

(iv)          such

Subsidiary Guarantor’s payment of a portion, but not all, of the Guaranteed Obligations shall in no way limit, affect, modify or

abridge such Subsidiary Guarantor’s liability for any portion of the Guaranteed Obligations remaining unsatisfied; and

(v)           such

Subsidiary Guarantor’s liability with respect to the Guaranteed Obligations shall remain in full force and effect without regard

to, and shall not be impaired or affected by, nor shall such Subsidiary Guarantor be exonerated or discharged by, any of the following

events:

(A)            any

proceeding under any Bankruptcy Law;

(B)            any

limitation, discharge, or cessation of the liability of Borrower or any other Person for any Guaranteed Obligations due to any statute,

regulation or rule of law, or any invalidity or unenforceability in whole or in part of any of the Guaranteed Obligations or the

Revolving Credit Documents;

merger, acquisition, consolidation or change in structure of any CCF Holdings or any other guarantor or Person, or any sale, lease, transfer

or other disposition of any or all of the assets or shares of Borrower or any other Person;

(D)            any

assignment or other transfer, in whole or in part, of Administrative Agent’s or any Lender’s interests in and rights under

this Agreement (including this Section 10.14) or the other Revolving Credit Documents;

(E)             any

claim, defense, counterclaim or setoff, other than that of prior performance, that Borrower, such Subsidiary Guarantor, any other Guarantor

or any other Person may have or assert, including any defense of incapacity or lack of corporate or other authority to execute any of

the Revolving Credit Documents;

(F)             Administrative

Agent’s or any Lenders’ amendment, modification, renewal, extension, cancellation or surrender of any Revolving Credit Document

or any Guaranteed Obligations;

(G)            Administrative

Agent’s or any Lender’s exercise or non-exercise of any power, right or remedy with respect to any Guaranteed Obligations

or any collateral;

(H)            Administrative

Agent’s or any Lender’s vote, claim, distribution, election, acceptance, action or inaction in any proceeding under any Bankruptcy

Law; or

(I)              any

other guaranty, whether by such Subsidiary Guarantor or any other Person, of all or any part of the Guaranteed Obligations or any other

indebtedness, obligations or liabilities of Borrower to Administrative Agent or any Lender.

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(e)            Consents

of Subsidiary Guarantors. Each Subsidiary Guarantor hereby unconditionally consents and agrees that, without notice to or further

assent from such Subsidiary Guarantor:

(i)            the

principal amount of the Guaranteed Obligations may be increased or decreased and additional indebtedness or obligations of Borrower under

the Revolving Credit Documents may be incurred and the time, manner, place or terms of any payment under any Revolving Credit Document

may be extended or changed, by one or more amendments, modifications, renewals or extensions of any Revolving Credit Document or otherwise;

(ii)            the

time for Borrower’s (or any other Person’s) performance of or compliance with any term, covenant or agreement on its part

to be performed or observed under any Revolving Credit Document may be extended, or such performance or compliance waived, or failure

in or departure from such performance or compliance consented to, all in such manner and upon such terms as Administrative Agent and Lenders

(as applicable under the relevant Revolving Credit Documents) may deem proper;

(iii)            Administrative

Agent and Lenders may request and accept other guaranties and may take and hold security as collateral for the Guaranteed Obligations,

and may, from time to time, in whole or in part, exchange, sell, surrender, release, subordinate, modify, waive, rescind, compromise or

extend such other guaranties or security and may permit or consent to any such action or the result of any such action, and may apply

such security and direct the order or manner of sale thereof; and

(iv)            Administrative

Agent or Lenders may exercise, or waive or otherwise refrain from exercising, any other right, remedy, power or privilege even if the

exercise thereof affects or eliminates any right of subrogation or any other right of such Subsidiary Guarantor against Borrower.

(f)            Subsidiary

Guarantor’s Waivers. Each Subsidiary Guarantor waives and agrees not to assert:

(i)            any

right to require Administrative Agent or any Lender to proceed against Borrower, any other Guarantor or any other Person, or to pursue

any other right, remedy, power or privilege of Administrative Agent or any Lender whatsoever;

(ii)            the

defense of the statute of limitations in any action hereunder or for the collection or performance of the Guaranteed Obligations;

(iii)           any

defense arising by reason of any lack of corporate or other authority or any other defense of Borrower, such Guarantor or any other Person;

(iv)           any

defense based upon Administrative Agent’s or any Lender’s errors or omissions in the administration of the Guaranteed Obligations;

(v)           any

rights to set-offs and counterclaims;

(vi)           without

limiting the generality of the foregoing, to the fullest extent permitted by Law, any defenses or benefits that may be derived from or

afforded by applicable Law limiting the liability of or exonerating guarantors or sureties, or that may conflict with the terms of this

Section 10.14; and

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(vii)            any

and all notice of the acceptance of this guaranty, and any and all notice of the creation, renewal, modification, extension or accrual

of the Guaranteed Obligations, or the reliance by Administrative Agent and Lenders upon this Guaranty, or the exercise of any right, power

or privilege hereunder. The Guaranteed Obligations shall conclusively be deemed to have been created, contracted, incurred and permitted

to exist in reliance upon this Guaranty. Each Subsidiary Guarantor waives promptness, diligence, presentment, protest, demand for payment,

notice of default, dishonor or nonpayment and all other notices to or upon Borrower, each Guarantor or any other Person with respect to

the Guaranteed Obligations.

(g)            Financial

Condition of Borrower. No Subsidiary Guarantor shall have any right to require Administrative Agent or any Lender to obtain or disclose

any information with respect to: the financial condition or character of Borrower or the ability of Borrower to pay and perform the Guaranteed

Obligations; the Guaranteed Obligations; any collateral or other security for any or all of the Guaranteed Obligations; the existence

or nonexistence of any other guarantees of all or any part of the Guaranteed Obligations; any action or inaction on the part of Administrative

Agent or any Lender or any other Person; or any other matter, fact or occurrence whatsoever. Each Subsidiary Guarantor hereby acknowledges

that it has undertaken its own independent investigation of the financial condition of Borrower and all other matters pertaining to this

Guaranty and further acknowledges that it is not relying in any manner upon any representation or statement of Administrative Agent or

any Lender with respect thereto.

(h)            Subrogation.

Until the Guaranteed Obligations shall be satisfied in full and the Aggregate Commitments shall be terminated, each Subsidiary Guarantor

shall not have, and shall not directly or indirectly exercise: (i) any rights that it may acquire by way of subrogation under this

Section 10.14, by any payment hereunder or otherwise; (ii) any rights of contribution, indemnification, reimbursement

or similar suretyship claims arising out of this Section 10.14; or (iii) any other right that it might otherwise have

or acquire (in any way whatsoever) that could entitle it at any time to share or participate in any right, remedy or security of Administrative

Agent or any Lender as against any Borrower or other Guarantors or any other Person, whether in connection with this Section 10.14,

any of the other Revolving Credit Documents or otherwise. If any amount shall be paid to any Subsidiary Guarantor on account of the foregoing

rights at any time when all the Guaranteed Obligations shall not have been paid in full, such amount shall be held in trust for the benefit

of Administrative Agent and Lenders and shall forthwith be paid to Administrative Agent to be credited and applied to the Guaranteed Obligations,

whether matured or unmatured, in accordance with the terms of the Revolving Credit Documents.

(i)            Subordination.

All payments on account of all indebtedness, liabilities and other obligations of Borrower to any Subsidiary Guarantor or to any other

Subordinated Guarantor, whether now existing or hereafter arising, and whether due or to become due, absolute or contingent, liquidated

or unliquidated, determined or undetermined (the “Subsidiary Guarantor Subordinated Debt”) shall be subject,

subordinate and junior in right of payment and exercise of remedies, to the extent and in the manner set forth herein, to the prior payment

in full in cash or cash equivalents of the Guaranteed Obligations. As long as any of the Guaranteed Obligations (other than unasserted

contingent indemnification obligations) shall remain outstanding and unpaid, each Subsidiary Guarantor shall not accept or receive any

payment or distribution by or on behalf of Borrower or any other Subsidiary Guarantor, directly or indirectly, or assets of Borrower or

any other Subsidiary Guarantor, of any kind or character, whether in cash, property or securities, including on account of the purchase,

redemption or other acquisition of Subsidiary Guarantor Subordinated Debt, as a result of any collection, sale or other disposition of

collateral, or by setoff, exchange or in any other manner, for or on account of the Subsidiary Guarantor Subordinated Debt (“Subsidiary

Guarantor Subordinated Debt Payments”), except that, so long as no Event of Default has occurred and is continuing, any

Subsidiary Guarantor shall be entitled to accept and receive payments on its Subsidiary Guarantor Subordinated Debt, in accordance with

past business practices of such Subsidiary Guarantor and Borrower (or any other applicable Subsidiary Guarantor) and not in contravention

of any Law or the terms of the Revolving Credit Documents.

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If any Subsidiary Guarantor

Subordinated Debt Payments shall be received in contravention of this Section 10.14, such Subsidiary Guarantor Subordinated

Debt Payments shall be held in trust for the benefit of Administrative Agent and Lenders and shall be paid over or delivered to Administrative

Agent for application to the payment in full in cash or cash equivalents of all Guaranteed Obligations remaining unpaid to the extent

necessary to give effect to this Section 10.14 after giving effect to any concurrent payments or distributions to Administrative

Agent and Lenders in respect of the Guaranteed Obligations.

(j)            Continuing

Guaranty. This Guaranty is a continuing guaranty and agreement of subordination and shall continue in effect and be binding upon each

Subsidiary Guarantor until termination of the Aggregate Commitments and payment and performance in full of the Guaranteed Obligations,

including Guaranteed Obligations which may exist continuously or which may arise from time to time under successive transactions, and

each Subsidiary Guarantor expressly acknowledges that this guaranty shall remain in full force and effect notwithstanding that there may

be periods in which no Guaranteed Obligations exist. This Guaranty shall continue in effect and be binding upon each Subsidiary Guarantor

until actual receipt by Administrative Agent of written notice from such Subsidiary Guarantor of its intention to discontinue this Guaranty

as to future transactions (which notice shall not be effective until noon on the day that is five (5) Business Days following such

receipt); provided that no revocation or termination of this guaranty shall affect in any way any rights of Administrative Agent,

or any Lender hereunder with respect to any Guaranteed Obligations arising or outstanding on the date of receipt of such notice, including

any subsequent continuation, extension, or renewal thereof, or change in the terms or conditions thereof, or any Guaranteed Obligations

made or created after such date to the extent made or created pursuant to a legally binding commitment of any Lender in existence as of

the date of such revocation (collectively, “Existing Guaranteed Obligations”), and the sole effect of such notice

shall be to exclude from this Guaranty Guaranteed Obligations thereafter arising which are unconnected to any Existing Guaranteed Obligations.

(k)            Reinstatement.

This Guaranty shall continue to be effective or shall be reinstated and revived, as the case may be, if, for any reason, any payment of

the Guaranteed Obligations by or on behalf of Borrower (or receipt of any proceeds of collateral) shall be rescinded, invalidated, declared

to be fraudulent or preferential, set aside, voided or otherwise required to be repaid to Borrower, its estate, trustee, receiver or any

other Person (including under any Bankruptcy Law), or must otherwise be restored by Administrative Agent or any Lender, whether as a result

of proceedings under any Bankruptcy Law or otherwise. All losses, damages, costs and expenses that Administrative Agent, or any Lender

may suffer or incur as a result of any voided or otherwise set aside payments shall be specifically covered by the indemnity in favor

of Administrative Agent and Lender contained in Section 10.04.

(l)            Substantial

Benefits. The Revolving Credit Loans provided to or for the benefit of Borrower hereunder by Lenders have been and are to be contemporaneously

used for the benefit of Borrower and each Subsidiary Guarantor. It is the position, intent and expectation of the parties that Borrower

and each Subsidiary Guarantor have derived and will derive significant and substantial benefits from the Revolving Credit Loans to be

made available by Lenders under the Revolving Credit Documents. Each Subsidiary Guarantor has received at least “reasonably equivalent

value” (as such phrase is used in Section 548 of the Bankruptcy Code, and in comparable provisions of other applicable Law)

and more than sufficient consideration to support its obligations hereunder in respect of the Guaranteed Obligations. Immediately prior

to and after and giving effect to the incurrence of each Subsidiary Guarantor’s obligations under this Guaranty, such Subsidiary

Guarantor will be solvent.

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(m)            Knowing

and Explicit Waivers. Each Subsidiary Guarantor acknowledges that it either has obtained the advice of legal counsel or has had the

opportunity to obtain such advice in connection with the terms and provisions of this Section 10.14. Each Subsidiary Guarantor

acknowledges and agrees that each of the waivers and consents set forth herein is made with full knowledge of its significance and consequences,

that all such waivers and consents herein are explicit and knowing and that each Subsidiary Guarantor expects such waivers and consents

to be fully enforceable.

If, while any Subsidiary Guarantor

Subordinated Debt is outstanding, any proceeding under any Bankruptcy Law is commenced by or against Borrower or its property, Administrative

Agent, when so instructed by Required Lenders, is hereby irrevocably authorized and empowered (in the name of Lenders or in the name of

any Subsidiary Guarantor or otherwise), but shall have no obligation, to demand, sue for, collect and receive every payment or distribution

in respect of all Subsidiary Guarantor Subordinated Debt and give acquittances therefor and to file claims and proofs of claim and take

such other action (including voting the Subsidiary Guarantor Subordinated Debt) as it may deem necessary or advisable for the exercise

or enforcement of any of the rights or interests of Administrative Agent and Lenders; and each Subsidiary Guarantor shall promptly take

such action as Administrative Agent (on instruction from Required Lenders) may reasonably request: (A) to collect the Subsidiary

Guarantor Subordinated Debt for the account of the Lenders and to file appropriate claims or proofs of claim in respect of the Subsidiary

Guarantor Subordinated Debt; (B) to execute and deliver to Administrative Agent such powers of attorney, assignments and other instruments

as it may request to enable it to enforce any and all claims with respect to the Subsidiary Guarantor Subordinated Debt; and (C) to

collect and receive any and all Subsidiary Guarantor Subordinated Debt Payments.

(n)            Keepwell.

Each Qualified ECP Guarantor hereby jointly and severally absolutely, unconditionally and irrevocably undertakes to provide such funds

or other support as may be needed from time to time by each other Credit Party to honor all of its obligations under this Section 10.14

or any other Guaranty now or hereafter executed by such Qualified ECP Guarantor in respect of Swap Obligations (provided, however, that

each Qualified ECP Guarantor shall only be liable under this Section 10.14 or such other Guaranty for the maximum amount of

such liability that can be hereby incurred without rendering its obligations under this Section 10.14, or otherwise under

a Guaranty, voidable under applicable Law relating to fraudulent conveyance or fraudulent transfer, and not for any greater amount). The

obligations of each Qualified ECP Guarantor under this Section 10.14, or otherwise under a Guaranty, shall remain in full

force and effect, until all of the Obligations shall have been paid in full and the Lenders' commitments to make Revolving Credit Loans

and/or extend credit to or for the benefit of Borrower shall have terminated or expired. Each Qualified ECP Guarantor intends that this

Section 10.14(n) constitute, and this Section 10.14(n) shall be deemed to constitute, a “keepwell,

support, or other agreement” for the benefit of each other Credit Party for all purposes of Section 1a(18)(A)(v)(II) of

the Commodity Exchange Act.

SECTION 10.15                   TIME OF THE

ESSENCE.

Time is of the essence of the Revolving Credit

Documents.

SECTION 10.16                   GOVERNING LAW;

JURISDICTION; ETC.

(a)            Governing

Law. This Agreement shall be governed by, and construed in accordance with, the laws

of the State of New York, without regard to principles of conflicts of law.

Page 131

(b)            Submission

to Jurisdiction. Borrower and each other Credit Party hereto each irrevocably and unconditionally

submits, for itself and its property, to the nonexclusive jurisdiction of the courts of any United States federal court sitting in or

with direct or indirect jurisdiction over the Southern District of New York or any New York state or superior court sitting in New York,

New York, in any action or proceeding arising out of or relating to this Agreement or any other Revolving Credit Document to which each

is a party, or for recognition or enforcement of any judgment, and each of the parties hereto irrevocably and unconditionally agrees that

all claims in respect of any such action or proceeding may be heard and determined in such state courts or, to the fullest extent permitted

by applicable Law, in such Federal courts. Each of the parties hereto agrees that a final judgment in any such action or proceeding shall

be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided by Law. Nothing in this

Agreement or in any other Revolving Credit Document shall affect any right that Administrative Agent or any Lender may otherwise have

to bring any action or proceeding relating to this Agreement or any other Revolving Credit Document against any Credit Party or any of

its properties in the courts of any other jurisdiction.

of Venue. Borrower and each other Credit Party hereto each irrevocably and unconditionally

waives, to the fullest extent permitted by applicable Law, any objection that it may now or hereafter have to the laying of venue of any

action or proceeding arising out of or relating to this Agreement or any other Revolving Credit Document in any court referred to in subsection (b) of

this Section 10.16. Each of the parties hereto hereby irrevocably waives, to the fullest extent permitted by applicable Law,

the defense of an inconvenient forum to the maintenance of such action or proceeding in any such court.

(d)            Service

of Process. Borrower and each other Credit Party hereto irrevocably consents to service

of process on it by certified mail, return receipt requested, to its address set forth on Schedule 10.02. Nothing in this Agreement

will affect the right of any party hereto to serve process in any other manner permitted by applicable Law.

SECTION 10.17                   WAIVER OF RIGHT

TO JURY TRIAL.

the extent permitted by applicable Law, each of the parties hereto hereby waives its right to a jury trial of any Claim. Each of the parties

hereto represents that each has reviewed this waiver and each knowingly and voluntarily waives its jury trial rights following consultation

with legal counsel on such matters. In the event of litigation, a copy of this Agreement may be filed as a written consent to a trial

by the court.

Page 132

SECTION 10.18                   LIMITED LIABILITY.

It is expressly understood

and agreed by the parties hereto that (a) this Agreement is executed and delivered by BasePoint AdministrativeCapital

II, LLC (“Administrator”), not individually or personally but solely as administrator of BP Funding Trust,

Series SPL-V, in its capacity as Class B Agent and Class B Lender, in the exercise of the powers and authority conferred

and vested in it under that certain Trust Agreement, dated as of November 25, 2014, and Series Trust Supplement No. 5 thereto,

dated as of May 10, 2018 (collectively, as amended, supplemented or modified from time to time), (b) any representations, undertakings

and agreements herein made on the part of BP Funding Trust, Series SPL-V, in its capacity as Class B Agent and/or Class B

Lender, are made and intended not as personal representations, undertakings and agreements by Administrator but is made and intended for

the purpose for binding only BP Funding Trust, Series SPL-V, in its capacity as Class B Agent and Class B Lender, as the

case may be, (c) nothing herein contained shall be construed as creating any liability on Administrator, individually or personally,

to perform any covenant either express or implied contained herein, all such liability, if any, being expressly waived by the parties

hereto and any person or entity claiming by, through or under the parties hereto, and (d) under no circumstances shall Administrator

be personally liable for the payment of any indebtedness or expenses of BP Funding Trust, Series SPL-V, in its capacity as Class B

Agent or Class B Lender, hereto or be liable for the breach or failure of any obligation, representation, warranty or covenant made

or undertaken by BP Funding Trust, Series SPL-V, in its capacity as Class B Agent or Class B Lender, under this Agreement

or the other related documents or otherwise.

SECTION 10.19                   LENDER NOT A

FIDUCIARY OR PRINCIPAL.

The relationship between Borrower

and each Lender hereunder is solely that of debtor and creditor, and no Lender has any fiduciary, principal and agent, or other special

relationship with Borrower, and no term or provision of any of the Revolving Credit Documents shall be construed so as to deem the relationship

between Borrower, on the one hand, and a Lender, on the other hand, to be other than that of debtor and creditor. Nothing herein or in

any of the other Revolving Credit Document shall be construed to create (and each Lender hereby expressly disclaims) any relationship

of principal and agent between Backup Servicer, on the one hand, and Lenders, on the other hand.

SECTION 10.20                   LENDER’S

DISCRETION.

In every instance in the Revolving

Credit Documents where Administrative Agent or a Lender has discretion to review or approve of any aspect of the Consumer Receivables,

the Consumer Receivable Obligors, the Servicing Policy, the Underwriting Guidelines, or any other policies or procedures related to origination,

administration and servicing of the Consumer Receivables, Borrower agrees that Administrative Agent and Lenders have no duty of any kind

to Borrower, any other Credit Party or the Consumer Receivable Obligors with respect to any aspect of the underwriting, origination, administration

or servicing of the Consumer Receivables in accordance with applicable Laws, and that such duty remains solely the responsibility of Borrower

and each other Credit Party. Borrower agrees that neither Borrower nor any other Credit Party are relying on, or will rely on, any legal,

underwriting or other advice of Administrative Agent or Lenders in connection with the foregoing.

In its Permitted Discretion,

the Lender hereby approves the CIC Acquisition.

SECTION 10.21                   NOT A SECURITY.

Each party hereto hereby represents

and warrants to the other parties that (a) such party does not consider the rights and obligations under this Agreement, the Notes,

if any, or any other Revolving Credit Document to constitute the “purchase” or “sale” of a “security”

within the meaning of the Securities Act of 1933, the Securities Exchange Act of 1934 or Rule l0b-5 promulgated thereunder, the Trust

Indenture Act of 1939, or any other applicable securities statute or law, as amended and in effect from time to time, or any rule or

regulation under any of the foregoing, (b) such party has no expectation that it will derive profits from the efforts of the other

parties or any third party in respect of the rights and obligations under this Agreement, the Notes, if any, or any other Revolving Credit

Document, and (c) this Agreement, the Notes, if any, and the other Revolving Credit Documents merely constitute a commercial transaction

by such party with the other party and do not represent an “investment” (as that term is commonly understood) in the other

party.

Page 133

SECTION 10.22                   SUBORDINATION

PROVISIONS.

(a)            Payment

Subordination. The lender of a Class B Loan (as further defined below, “Class B Lender”) hereby

postpones and subordinates any and all related Class B Subordinated Debt to the payment of the Class A Senior Debt to the lender

of a Class A Loan (as further defined below, the “Class A Lender”) on the following terms. Class B

Lender agrees that (a) so long as any Subordination Event exists and is continuing and (b) at all times during the Amortization

Period, so long as no Subordination Event has occurred and is continuing, solely with respect to amounts payable to the Lenders under

Section 2.09(c)(ii)(B) and (C) (i) no payment of or on account of the related Class B Subordinated

Debt shall be made, or any additional security given therefor, unless and until all related Class A Senior Debt and related Obligations

(other than any contingent Obligations) have been paid in full and further agrees not to demand, receive or accept any such payment or

security to the extent provided in Section 2.09(c); and (ii) Class B Lender shall not file or record in any court

or public recording office any suit, attachment, or application therefor, application for judgment or file any similar matter respecting

or naming BP Seller or the obligor under the related Class B Subordinated Debt prior to the repayment in full of the related Class A

Senior Debt to the extent provided in Section 2.09(c) (provided that this shall not in any way prevent Class B Lender

from establishing in a proceeding initiated by any other Person, its right to prove claims and recover for its own account amounts payable

to Class B Lender based on the Class B Subordinated Debt).

(b)            Payments

Held in Trust. If, during the continuance of a Subordination Event to the extent provided in Section 2.09(c), any payment,

distribution, security or proceeds thereof be received by Class B Lender upon or with respect to any Class B Subordinated Debt

prior to the satisfaction of all related Class A Senior Debt, Class B Lender shall promptly deliver the same to Class A

Lender in the form received (except for endorsement or assignment by Class B Lender where required by the payee), for application

on any such Class A Senior Debt, and, until so delivered, the same shall be held in trust by Class B Lender as the property

of Class A Lender.

of Assets. Upon any distribution of the assets of BP Seller by reason or reorganization, liquidation, dissolution, bankruptcy, receivership

or assignment for the benefit of creditors, Class A Lender shall be entitled to receive payment in full of all related Class A

Senior Debt prior to the payment of all or any part of any related Class B Subordinated Debt to the extent provided in Section 2.09(c).

To enable each Class A Lender to give effect to the right set forth in this Section 10.22, any Class A Lender may

demand that the related Class B Lender make and present appropriate proofs of claim against BP Seller with respect to the related

Class B Subordinated Debt to the extent provided in Section 2.09(c). If such Class B Lender has not made and presented

appropriate proofs of claim within thirty (30) days following demand by such Class A Lender, then such Class A Lender shall

hereby be authorized and empowered to make and present on behalf of such Class B Lender such proofs of claim against BP Seller on

account of the related Class B Subordinated Debt as such Class A Lender may deem advisable and to further receive and collect

any and all dividends or other payments made thereon and to apply the same on account of any Class A Senior Debt in each case to

the extent provided in Section 2.09(c).

(d)            Capitalized

Terms. For purposes of this Section 10.22:

(i)            “BP

Seller” means BP Funding Trust, Series SPL-V, a statutory series of BP Commercial Funding Trust, for itself and for

no other series of BP Funding Trust.

(ii)            “Class A

Lender” includes any participant in or assignee of a Class A Lender that directly or indirectly receives any payment

with respect to the Class A Loans.

Page 134

(iii)            “Class B

Lender” includes any participant in or assignee of a Class B Lender that directly or indirectly receives any payment

with respect to the Class B Loans.

(e)            Legend–Notes

evidencing Class B Loans. Until the Class A Loans are paid in full, each Note, if any, evidencing a Class B Loan and any

amendment, restatement or replacement thereof shall bear a legend substantially to the following effect:

THIS PROMISSORY NOTE IS SUBJECT TO CERTAIN SUBORDINATION

PROVISIONS SET FORTH IN AN AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, DATED AS OF AUGUST 30, 2021 (AS AMENDED, RESTATED OR OTHERWISE

MODIFIED FROM TIME TO TIME IN ACCORDANCE WITH THE TERMS THEREOF) AND THE RIGHTS OF THE CLASS A LENDER, AS PROVIDED THEREIN. THE EFFECT

AND INTENT OF SUCH AGREEMENT IS THAT, IN CASE OF A SUBORDINATION EVENT INCLUDING A BANKRUPTCY PROCEEDING, ALL PAYMENTS UNDER THIS

NOTE ARE SUBORDINATED TO THE PAYMENT IN FULL OF ALL AMOUNTS PAYABLE TO THE CLASS A LENDER. BY ACCEPTING THIS NOTE, THE HOLDER OF

THIS NOTE AND ANY PARTICIPANT HEREIN AGREES THAT IF IT RECEIVES ANY PAYMENT IN VIOLATION OF SUCH SUBORDINATION PROVISIONS, SUCH HOLDER

OR PARTICIPANT SHALL HOLD SUCH AMOUNTS IN TRUST FOR THE BENEFIT OF THE CLASS A LENDER AND SHALL PAY SUCH AMOUNTS OVER TO THE CLASS A

LENDER (OR ANY APPLICABLE PARTICIPANT IN THE CLASS A LOANS) UPON DEMAND WITH INTEREST AT THE APPLICABLE INTEREST RATE UNDER THE REVOLVING

CREDIT AGREEMENT.

[Signature

pages follow.]

Page 135

In witness whereof, the parties hereto have caused this Agreement to

be duly executed as of the date first written above.

CCF OPCO LLC,

a Delaware limited liability company

By:

Name: Julie Torkelson

Title: Chief Financial Officer

Subsidiary Guarantors:

EACH OF THE SUBSIDIARIES LISTED

ON SCHEDULE A-1 HERETO

By:

Name: Julie Torkelson

Title: Chief Financial Officer

EACH OF THE SUBSIDIARIES LISTED

ON SCHEDULE A-2 HERETO

By:

Name: Julie Torkelson

Title: Chief Financial Officer

Signature Page

Administrative Agent and Lenders:

VERITEX COMMUNITYSUNFLOWER

BANK,

N.A., in its capacity as Administrative Agent and

Class A

Lender

BP FUNDING TRUST, SERIES SPL-V, a statutory series of BP Funding

Trust, a Delaware statutory trust, for itself and for no other series of BP Funding Trust, in its capacity as Class B Agent and

Class B Lender

By:

Name: Daniel Keeton

By: BasePoint AdministrativeCapital

II, LLC,

Title: Senior Vice President

not in its individual capacity but solely as

Administrator of BP Funding Trust

VERITEX COMMUNITYSUNFLOWER

BANK, N.A., in its capacity as Class A Lender

By: ______________________________________________________

Name: Michael Petronio

By:

Title: Authorized Signatory

Name: Daniel Keeton

Title: Senior Vice President

Signature Page

EXHIBIT A

FORM OF ASSIGNMENT AND ASSUMPTION

ASSIGNMENT

AGREEMENT

THIS ASSIGNMENT AGREEMENT, dated as of the date

set forth at the top of Attachment 1 hereto, by and among:

(1)            The

financial institution designated under item A of Attachment 1 hereto as the Assignor Lender (“Assignor Lender”);

and

(2)            The

financial institution designated under item B of Attachment 1 hereto as the Assignee Lender (“Assignee Lender”).

RECITALS

A.            Assignor

Lender is one of the Lenders which is a party to the Second Amended and Restated Revolving Credit Agreement, dated as of December 29,

2023 (as amended, supplemented or otherwise modified in accordance with its terms from time to time, the “Revolving Credit

Agreement”), by and among CCF OpCo LLC (“Borrower”), the Subsidiary Guarantors party thereto,

the several financial institutions party thereto as Lenders, and Veritex CommunitySunflower

Bank, N.A., as Administrative Agent (in such capacity, the “Administrative

Agent”).

B.            Assignor

Lender wishes to sell, and Assignee Lender wishes to purchase, all or a portion of Assignor Lender’s rights under the Revolving

Credit Agreement pursuant to Section 10.06(b) of the Revolving Credit Agreement.

AGREEMENT

Now, therefore, the parties

hereto hereby agree as follows:

1.             Definitions.

Except as otherwise defined in this Assignment Agreement, all capitalized terms used herein and defined in the Revolving Credit Agreement

have the respective meanings given to those terms in the Revolving Credit Agreement.

2.             Sale

and Assignment. On the terms and subject to the conditions of this Assignment Agreement, Assignor Lender hereby (i) agrees to

sell, assign and delegate to Assignee Lender and Assignee Lender hereby agrees to purchase, accept and assume the rights, obligations

and duties of a Lender under the Revolving Credit Agreement and the other Revolving Credit Documents having a Revolving Credit Commitment

and corresponding Revolving Credit Percentage Shares as set forth under Column 1 opposite Assignee Lender’s name on Attachment 1

hereto. Such sale, assignment and delegation shall become effective on the date designated in Attachment 1 hereto (the “Assignment

Effective Date”), which date shall be, unless Administrative Agent shall otherwise consent, at least five (5) Business

Days after the date following the date counterparts of this Assignment Agreement are delivered to Administrative Agent in accordance with

Section 3 hereof.

3.             Assignment

Effective Notice. Upon (a) receipt by Administrative Agent of counterparts of this Assignment Agreement (to each of which is

attached a fully completed Attachment 1), each of which has been executed by Assignor Lender and Assignee Lender (and, to the extent required

by Section 10.06(b) of the Revolving Credit Agreement, by Borrower and Administrative Agent) and (b) payment to

Administrative Agent of the recordation and processing fee specified in Section 10.06(b) of the Revolving Credit Agreement

by Assignor Lender, Administrative Agent will transmit to Borrower, Assignor Lender and Assignee Lender an Assignment Effective Notice

substantially in the form of Attachment 2 hereto, fully completed (an “Assignment Effective Notice”).

Exhibit A

4.             Assignment

Effective Date. At or before 12:00 noon (local time of Assignor Lender) on the Assignment Effective Date, Assignee Lender shall pay

to Assignor Lender, in immediately available or same day funds, an amount equal to the purchase price, as agreed between Assignor Lender

and Assignee Lender (the “Purchase Price”), for the Revolving Credit Commitment (and related Revolving Credit

Loans) and corresponding Revolving Credit Percentage Shares purchased by Assignee Lender hereunder. Effective upon receipt by Assignor

Lender of the Purchase Price payable by Assignee Lender, the sale, assignment and delegation to Assignee Lender of such Revolving Credit

Commitment (and related Revolving Credit Loans) and corresponding Revolving Credit Percentage Shares as described in Section 2

hereof shall become effective.

5.             Payments

After the Assignment Effective Date. Assignor Lender and Assignee Lender hereby agree that Administrative Agent shall, and hereby

authorize and direct Administrative Agent to, allocate amounts payable under the Revolving Credit Agreement and the other Revolving Credit

Documents as follows:

(a)            All

principal payments made after the Assignment Effective Date with respect to each Revolving Credit Commitment and corresponding Revolving

Credit Percentage Shares assigned to Assignee Lender pursuant to this Assignment Agreement shall be payable to Assignee Lender.

(b)            All

interest, fees and other amounts accrued after the Assignment Effective Date with respect to the Revolving Credit Commitment and corresponding

Revolving Credit Percentage Shares assigned to Assignee Lender pursuant to this Assignment Agreement shall be payable to Assignee Lender.

Assignor Lender and Assignee

Lender shall make any separate arrangements between themselves which they deem appropriate with respect to payments between them of amounts

paid under the Revolving Credit Documents on account of the Revolving Credit Commitment and corresponding Revolving Credit Percentage

Shares assigned to Assignee Lender, and neither Administrative Agent nor Borrower shall have any responsibility to effect or carry out

such separate arrangements.

6.             Delivery

of Notes. On or prior to the Assignment Effective Date, Assignor Lender will deliver to Administrative Agent the Notes (if any) payable

to Assignor Lender. On or prior to the Assignment Effective Date, if requested in writing at least one (1) Business Day prior to

the Assignment Effective Date, Borrower will deliver to Administrative Agent new Notes for Assignee Lender and Assignor Lender, in each

case in principal amounts reflecting, in accordance with the Revolving Credit Agreement, their respective Revolving Credit Commitments

(as adjusted pursuant to this Assignment Agreement). As provided in Section 10.06(b) of the Revolving Credit Agreement,

each such new Note shall be dated the Closing Date. Promptly after the Assignment Effective Date, if new Notes are requested Administrative

Agent will send to each of Assignor Lender and Assignee Lender, as applicable, its new Notes and, if applicable, will send to Borrower

the superseded Notes payable to Assignor Lender, marked “Cancelled and Replaced.”

7.             Delivery

of Copies of Credit Documents. Concurrently with the execution and delivery hereof, Assignor Lender will provide to Assignee Lender

(if it is not already a Lender party to the Revolving Credit Agreement) conformed copies of all documents delivered to Assignor Lender

on or prior to the Closing Date in satisfaction of the conditions precedent set forth in the Revolving Credit Agreement.

Exhibit A

8.             Further

Assurances. Each of the parties to this Assignment Agreement agrees that at any time and from time to time upon the written request

of any other party, it will execute and deliver such further documents and do such further acts and things as such other party may reasonably

request in order to effect the purposes of this Assignment Agreement.

9.             Further

Representations, Warranties and Covenants. Assignor Lender and Assignee Lender further represent and warrant to and covenant with

each other, Administrative Agent and the Lenders as follows:

(a)            Other

than the representation and warranty that it is the legal and beneficial owner of the interest being assigned hereby free and clear of

any adverse claim, Assignor Lender makes no representation or warranty and assumes no responsibility with respect to any statements, warranties

or representations made in or in connection with the Revolving Credit Agreement or the other Revolving Credit Documents or the execution,

legality, validity, enforceability, genuineness, sufficiency or value of the Revolving Credit Agreement or the other Revolving Credit

Documents furnished.

(b)            Assignor

Lender makes no representation or warranty and assumes no responsibility with respect to the financial condition of Borrower or any of

its obligations under the Revolving Credit Agreement or any other Revolving Credit Documents.

Lender confirms that it has received a copy of the Revolving Credit Agreement and such other documents and information as it has deemed

appropriate to make its own credit analysis and decision to enter into this Assignment Agreement.

(d)            Assignee

Lender will, independently and without reliance upon Administrative Agent, Assignor Lender or any other Lender and based upon such documents

and information as it shall deem appropriate at the time, continue to make its own credit decisions in taking or not taking action under

the Revolving Credit Agreement and the other Revolving Credit Documents.

(e)            Assignee

Lender appoints and authorizes Administrative Agent to take such action as Administrative Agent on its behalf and to exercise such powers

under the Revolving Credit Agreement and the other Revolving Credit Documents as Administrative Agent is authorized to exercise by the

terms thereof, together with such powers as are reasonably incidental thereto, all in accordance with the Revolving Credit Agreement.

(f)             Assignee

Lender agrees that it will perform in accordance with their terms all of the obligations which by the terms of the Revolving Credit Agreement

and the other Revolving Credit Documents are required to be performed by it as a Lender.

(g)            Attachment

1 hereto sets forth administrative information with respect to Assignee Lender.

10.           Effect

of this Assignment Agreement. On and after the Assignment Effective Date, (a) Assignee Lender shall be a Lender with a Revolving

Credit Commitment and corresponding Revolving Credit Percentage Shares equal to that set forth under Column 2 opposite Assignee Lender’s

name on Attachment 1 hereto and shall have the rights, duties and obligations of such a Lender under the Revolving Credit Agreement and

the other Revolving Credit Documents and (b) Assignor Lender shall be a Lender with a Revolving Credit Commitment and corresponding

Revolving Credit Percentage Shares equal to that set forth under Column 2 opposite Assignor Lender’s name on Attachment 1 hereto,

and shall have the rights, duties and obligations of such a Lender under the Revolving Credit Agreement and the other Revolving Credit

Documents or, if the Revolving Credit Commitment of Assignor Lender has been reduced to $0, Assignor Lender shall cease to be a Lender

and shall have no further obligation to make any Revolving Credit Loans.

11.           Miscellaneous.

This Assignment Agreement shall be governed by, and construed in accordance with, the laws of the State of New York without regard to

its conflicts of laws principles. Section headings in this Assignment Agreement are for convenience of reference only and are not

part of the substance hereof.

[signature page to follow]

Exhibit A

WITNESS WHEREOF, the parties hereto have caused this Assignment Agreement to be executed by their respective duly authorized officers

as of the date set forth in Attachment 1 hereto.

______________________________, as

Assignor Lender

By:

Name:

Title:

____________________________, as an

Assignee Lender

By:

Name:

Title:

CONSENTED TO, ACKNOWLEDGED BY,

AND ACCEPTED FOR RECORDATION

IN REGISTER:

_____________________, as Administrative Agent

By:

Name:

Title:

Exhibit A

ATTACHMENT 1

TO ASSIGNMENT AGREEMENT

NAMES, ADDRESSES, REVOLVING CREDIT COMMITMENTS

AND PERCENTAGE

SHARES OF ASSIGNOR LENDER AND ASSIGNEE LENDER

AND ASSIGNMENT EFFECTIVE DATE

_________________ ____, 20___

ASSIGNOR LENDER

Column 1

Revolving Credit

Commitment, Principal and

Revolving Credit Percentage

Transferred1, 2

Column 2

Revolving Credit

Commitment,

Principal

and Revolving Credit

Percentage Shares After

Assignment

Applicable Lending Office:

Attention:

Address for Notices:

Attention:

Telecopier No.:

Wiring Instructions:

1 To be expressed by a percentage rounded to the eighth digit

to the right of the decimal point.

2 Percentage Share of Aggregate Commitment to be sold by Assignor

Lender and purchased by Assignee Lender pursuant to this Assignment Agreement.

Exhibit A

ASSIGNEE LENDER

Column 1

Revolving Credit

Commitment, Principal

and Revolving Credit

Percentage Shares

Transferred1, 2

Column 2

Revolving Credit Commitment,

Principal

and Revolving Credit

Percentage Shares After

Assignment

Applicable Lending Office:

Address for Notices:

Telecopier No.:

Wiring Instructions:

ASSIGNMENT EFFECTIVE DATE:

______________________ ____, 20___

1 To be expressed by a percentage rounded to the eighth digit

to the right of the decimal point.

2 Percentage Share of Aggregate Commitment to be sold by Assignor

Lender and purchased by Assignee Lender pursuant to this Assignment Agreement.

Exhibit A

ATTACHMENT 2

TO ASSIGNMENT AGREEMENT

FORM OF

ASSIGNMENT EFFECTIVE NOTICE

Reference is made to that

certain Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise

modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by and among CCF

OpCo LLC (“Borrower”), the Subsidiary Guarantors party thereto, the several financial institutions party thereto

as Lenders, and Veritex CommunitySunflower

Bank, N.A., as Administrative Agent (in such capacity, the “Administrative

Agent”). Administrative Agent hereby acknowledges receipt of five executed counterparts of a completed Assignment Agreement,

a copy of which is attached hereto. Terms defined in such Assignment Agreement are used herein as therein defined.

1.             Pursuant

to such Assignment Agreement, you are advised that the Assignment Effective Date will be _____________ ____, 20___.

2.             Pursuant

to such Assignment Agreement, Assignor Lender is required to deliver to Administrative Agent on or before the Assignment Effective Date

the Note, if any, payable to Assignor Lender.

3.             Pursuant

to such Assignment Agreement and the Revolving Credit Agreement, Borrower is required, if requested in writing at least one (1) Business

Day prior to the Assignment Effective Date, to deliver to Administrative Agent on or before the Assignment Effective Date the following

Notes, each dated ___________ ____, 20__:

A. Promissory Note in the principal amount

of $_______________ payable to ________________________________.

4.             Pursuant

to such Assignment Agreement, Assignee Lender is required to pay its Purchase Price to Assignor Lender at or before 12:00 noon (local

time of Assignor Lender) on the Assignment Effective Date in immediately available funds.

Very truly yours,

________________ , as Administrative Agent

By:

Name:

Title:

Exhibit A

EXHIBIT B

FORM OF COMPLIANCE CERTIFICATE

Compliance Certificate

To:        Veritex

CommunitySunflower Bank,

N.A., as Administrative Agent

Date:     __________________, 20____

Subject: CCF OpCo LLC,

Financial Statements

In accordance with the Second Amended and Restated

Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise modified in accordance with its

terms from time to time, the “Revolving Credit Agreement”), by and among CCF OpCo LLC (“Borrower”),

the Subsidiary Guarantors party thereto, the several financial institutions party thereto as Lenders, and Veritex

CommunitySunflower Bank,

N.A., as Administrative Agent (in such capacity, the “Administrative Agent”), attached are the consolidated

financial statements of CCF Holdings LLC of and for the [month] [fiscal year] [Fiscal Quarter] ended ____________ ____, 20__ (the

“Reporting Date”) and the year-to-date period then ended (the “Current Financials”)

required to be delivered pursuant to Section 6.01 of the Revolving Credit Agreement. All terms used in this certificate have

the meanings given in the Revolving Credit Agreement.

Borrower certifies that the Current Financials

have been prepared in accordance with GAAP, excluding variable interest entities unless specifically included in the applicable financial

covenant, subject to normal year-end adjustments and absence of footnotes, and fairly present in all material respects the consolidated

financial condition of Borrower as of the date thereof and in a manner consistent with prior periods.

Defaults. (Check one):

Borrower further certifies that:

¨            Borrower

does not have knowledge of the occurrence of any unwaived or uncured Default or Event of Default under the Revolving Credit Agreement.

¨            Except

as previously reported in writing to Administrative Agent, Borrower does not have knowledge of the existence of any Default or Event

of Default under the Revolving Credit Agreement.

¨            Borrower

has knowledge of the occurrence of a Default or Event of Default under the Revolving Credit Agreement not previously reported in writing

to Administrative Agent and attached hereto is a statement of the facts with respect to thereto and the action which Borrower is taking

or purposes to take with respect thereto.

Representations and Warranties:

Borrower further certifies that each of the representations

and warranties made by Borrower, any Subsidiary and/or any member of Borrower in the Revolving Credit Agreement and/or in any other Revolving

Credit Document are true and correct in all material respects on and as of the date of this Compliance Certificate as if made on and as

of the date of this Compliance Certificate (and for purposes of this Compliance Certificate, the representations and warranties made by

Borrower in Section 5.11 of the Revolving Credit Agreement shall be deemed to refer to the financial statements of Borrower

delivered to Administrative Agent and the Lenders with this Compliance Certificate).

Exhibit B

Schedule I attached hereto sets forth financial

data and computations of the financial covenants set forth in Section 6.12 of the Revolving Credit Agreement, all of which

data and computations are true, complete and correct.

As of the Reporting Date or applicable date of

determination, CCF Holdings and its consolidated Subsidiaries are in compliance with the Liquidity (CCF Holdings) covenant set forth in

Section 6.12(a)(1) of the Revolving Credit Agreement.

___ Yes ____

As of the Reporting Date or applicable date of

determination, Borrower and its consolidated Subsidiaries are in compliance with the Liquidity (Borrower) covenant set forth in Section 6.12(a)(2) of

the Revolving Credit Agreement.

___ Yes ____

As of the Reporting Date or applicable date of

determination, CCF Holdings and its consolidated Subsidiaries are in compliance with the Leverage Ratio covenant set forth in Section 6.12(b) of

the Revolving Credit Agreement.

___ Yes ____

As of the Reporting Date or applicable date of

determination, CCF Holdings and its consolidated Subsidiaries are in compliance with the Interest Coverage Ratio covenant set forth in

Section 6.12(c) of the Revolving Credit Agreement.

___ Yes ____

As of the Reporting Date or applicable date of

determination, Borrower and its consolidated Subsidiaries are in compliance with the Consolidated Adjusted EBITDA (Borrower) covenant

set forth in Section 6.12(d) of the Revolving Credit Agreement.

___ Yes ____

As of the Reporting Date or applicable date of

determination, Borrower and its consolidated Subsidiaries are in compliance with the Tangible Asset Coverage Ratio covenant set forth

in Section 6.12(e) of the Revolving Credit Agreement.

___ Yes ____ No

[Remainder of Page Intentionally Blank]

Exhibit B

This Compliance Certificate and the foregoing certifications, together

with the computations set forth in Schedule I attached hereto and the financial statements delivered with this Compliance Certificate

in support hereof, are made and delivered this [___] day of [___], 202[_].

CCF HOLDINGS LLC,

a Delaware limited liability company

Name:

Title:

Exhibit B

SCHEDULE I TO COMPLIANCE CERTIFICATE

Computations

Exhibit B

ANNEX A TO COMPLIANCE CERTIFICATE

Financial Statements

See Attached

Exhibit B

EXHIBIT C

FORM OF JOINDER AGREEMENT

JOINDER AGREEMENT

THIS JOINDER AGREEMENT, dated

as of the ____ day of __________, 20___ (the “Agreement”), to the Second Amended and Restated Revolving Credit

Agreement and the other Revolving Credit Documents referred to below is entered into by and among ____________, a __________ organized

under the laws of __________ (the “New Subsidiary”), CCF OpCo LLC, a Delaware limited liability company (the

“Borrower”) and Veritex CommunitySunflower

Bank, N.A., as Administrative Agent (the “Administrative

Agent”), under such Revolving Credit Agreement (as defined below).

Recitals

I.              Reference

is made to the Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or

otherwise modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by and

among CCF OpCo LLC (“Borrower”), the Subsidiary Guarantors party thereto, the several financial institutions

party thereto as Lenders, and Veritex CommunitySunflower

Bank, N.A., as Administrative Agent (in such capacity, the “Administrative

Agent”). All capitalized terms used and not defined herein shall have the meanings given thereto in the Revolving Credit

Agreement or the applicable Revolving Credit Document referred to therein.

II.            Pursuant

to Section 6.14 of the Revolving Credit Agreement, Borrower is required to cause the New Subsidiary to execute, among other

documents, a joinder agreement in order to become a Guarantor under the Revolving Credit Agreement, to guaranty payment and performance

of the Obligations of Borrower under the Revolving Credit Agreement.

NOW THEREFORE, in consideration

of the premises and other good and valuable consideration, the parties hereto hereby agree as follows:

1.01         Joinder

of the New Subsidiary. Pursuant to Section 10.14 of the Revolving Credit Agreement, the New Subsidiary by its signature

below becomes a Guarantor under the Revolving Credit Agreement with the same force and effect as if originally named therein as a Guarantor,

and the New Subsidiary hereby (i) agrees to all the terms and provisions of the Revolving Credit Agreement applicable to it as a

Guarantor thereunder and (ii) represents and warrants that the representations and warranties made by it as Guarantor thereunder

are true and correct on and as of the date hereof. The New Subsidiary hereby agrees that each reference to a “Subsidiary Guarantor,”

“Guarantor” or the “Guarantors” in the Revolving Credit Agreement and the other Revolving Credit Documents shall

include the New Subsidiary. The New Subsidiary acknowledges that it has received a copy of each of the Revolving Credit Documents and

that it has read and understands the terms thereof and agrees for the benefit of Administrative Agent and the Lenders to be bound thereby

and to comply with the terms thereof insofar as such terms are applicable to it.

2.01         Additional

Items. The New Subsidiary shall have executed and delivered to Administrative Agent all such documents, instruments, and agreements

as Administrative Agent may reasonably request.

3.01         General

Provisions.

(a)            Representations

and Warranties. The New Subsidiary represents and warrants that this Agreement has been duly authorized, executed and delivered by

it and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, subject to applicable

bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors’ rights generally.

Exhibit C

(b)           Limited

Effect. Except as supplemented hereby, the Revolving Credit Agreement and each other Revolving Credit Document shall continue to be,

and shall remain, in full force and effect. This Agreement shall not be deemed (i) to be a waiver of, or consent to, or a modification

or amendment of, any other term or condition of the Revolving Credit Agreement or any other Revolving Credit Document except as otherwise

expressly set forth herein or (ii) to prejudice any right or rights which Administrative Agent or any Lender may now have or may

have in the future under or in connection with the Revolving Credit Agreement or the other Revolving Credit Documents or any of the instruments

or agreements referred to therein, as the same may be amended or modified from time to time.

and Expenses. Borrower hereby agrees that it shall pay or reimburse Administrative Agent for all of its reasonable and customary out-of-pocket

costs and expenses incurred in connection with the preparation, negotiation and execution of this Agreement including, without limitation,

the reasonable fees and disbursements of counsel.

(d)           Notices.

All communications and notices hereunder shall be made in accordance with Section 10.02 of the Revolving Credit Agreement.

All communications and notices hereunder to Administrative Agent or Borrower shall be given to it at its address for notices set forth

in Section 10.02 of the Revolving Credit Agreement, and all communications and notices hereunder to the New Subsidiary shall

be given to it c/o Borrower at such address.

(e)           Severability.

If any provision hereof is invalid and unenforceable in any jurisdiction, then, to the fullest extent permitted by law, (a) the other

provisions hereof shall remain in full force and effect in such jurisdiction and shall be liberally construed in favor of Administrative

Agent and the Lenders in order to carry out the intentions of the parties hereto as nearly as may be possible; and (b) the invalidity

or unenforceability of any provisions hereof in such jurisdiction shall not affect the validity or enforceability of such provision in

any other jurisdiction.

(f)            Governing

Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT

REGARD TO ITS CONFLICTS OF LAWS PRINCIPLES.

(g)           Counterparts.

This Agreement may be executed by one or more of the parties hereto in any number of separate counterparts and all of said counterparts

taken together shall be deemed to constitute one and the same instrument. Delivery of an executed counterpart of a signature page of

this Agreement by facsimile or in electronic (i.e., “pdf” or “tif”) format shall be effective as delivery of a

manually executed counterpart of this Agreement.

(h)           Headings.

The various headings of this Agreement are inserted for convenience only and shall not affect the meaning or interpretation of this Agreement

or any provisions hereof.

Exhibit C

IN WITNESS WHEREOF the undersigned hereby causes

this Agreement to be executed and delivered as of the date first above written.

BORROWER:

CCF OPCO LLC,

a Delaware limited liability company

By:

Name:

Title:

NEW SUBSIDIARY:

[INSERT NEW SUBSIDIARY NAME]

By:

Name:

Title:

______________________,

as Administrative Agent

By:

Name:

Title:

Exhibit C

EXHIBIT D

NOTICE OF BORROWING

_____________ ____, 20__

Veritex CommunitySunflower

Bank, N.A.

8214 Westchester Drive8117

Preston Road, Suite 800220

Dallas, TX 75225

Attn: Daniel Keeton Amber

Hagar

Veritex Community Bank

2900 North Loop West, Suite 200

Houston, TX 77092

Attn: Loan Participations

Reference is made to that

certain Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise

modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by and among CCF

OpCo LLC (“Borrower”), the Subsidiary Guarantors party thereto, the several financial institutions party thereto

as Lenders, and Veritex CommunitySunflower

Bank, N.A., as Administrative Agent (in such capacity, the “Administrative

Agent”). Unless otherwise indicated, all terms defined in the Revolving Credit Agreement have the same respective meanings

when used herein.

1. Pursuant to Section 2.02(a), of the Revolving Credit Agreement, Borrower hereby irrevocably requests a Borrowing upon

the following terms:

a. The principal amount of the requested Borrowing is to be $_________________.

b. The requested Borrowing is to consist of a Revolving Credit Loan.

c. The date of the requested Borrowing is to be ____________ ____, 20__.

2. Borrower hereby certifies to Administrative Agent and the Lender that, on the date of this Notice of Borrowing and after giving effect

to the requested Borrowing:

a. The representations and warranties of the Credit Parties set forth in Article V of the Revolving Credit Agreement and in the

other Revolving Credit Documents are true and correct in all material respects as if made on such date (except for representations and

warranties expressly made as of a specified date, which shall be true and correct in all material respects as of such date);

b. No Default, Event of Default, Cease Funding Event, Cease Funding Event (Defaulting Lender) or Backup Servicing Trigger Event has occurred

and is continuing; and

c. The Borrower has paid all Tennessee recording taxes due with respect to the requested Borrowing pursuant to T.C.A. §67-7-409(b)(7).

Exhibit D

3. Please disburse the proceeds of the requested Borrowing to the following Borrower Funding Account:

ABA No.:

Account No.:

Account Name:

[Signature Page To Follow]

Exhibit D

IN WITNESS WHEREOF, Borrower has executed this

Notice of Borrowing on the date set forth above.

CCF OPCO LLC,

a Delaware limited liability company

By:

Name:

Title:

Exhibit D

EXHIBIT E-1

FORM OF

AMENDED

AND RESTATED

PROMISSORY

NOTE A

$[________]

December 29, 2023

FOR VALUE RECEIVED, CCF OpCo

LLC, a Delaware limited liability company (“Borrower”) hereby promises to pay to VERITEX

COMMUNITYSUNFLOWER BANK,

N.A. (the “Lender”), the principal sum of [_________] MILLION DOLLARS AND 00/100 ($[________]) or

such lesser amount as shall equal the aggregate outstanding principal balance of the Revolving Credit Loans made by the Lender to Borrower

pursuant to that certain Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented

or otherwise modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by

and among Borrower, the Subsidiary Guarantors party thereto, the several financial institutions party thereto as Lenders, and Veritex

CommunitySunflower Bank, N.A.,

as Administrative Agent (in such capacity, the “Administrative Agent”), on or before the Maturity Date

specified in the Revolving Credit Agreement; and to pay interest on said sum, or such lesser amount, at the rates and on the dates provided

in the Revolving Credit Agreement.

Borrower shall make all payments

hereunder, for the account of the Lender’s applicable Lending Office, to Administrative Agent as indicated in the Revolving Credit

Agreement, in lawful money of the United States and in same day or immediately available funds.

Borrower hereby authorizes

the Lender to record on the schedule(s) annexed to this Note the date and amount of each Revolving Credit Loan and of each payment

or prepayment of principal made by Borrower and agree that all such notations shall be conclusive absent manifest error with respect to

the matters noted; provided, however, that the failure of the Lender to make any such notation shall not affect Borrower's

obligations hereunder.

This Note is one of the Notes

referred to in the Revolving Credit Agreement. This Note is subject to the terms of the Revolving Credit Agreement, including the rights

of prepayment and the rights of acceleration of maturity set forth therein. Terms used herein have the meanings assigned to those terms

in the Revolving Credit Agreement, unless otherwise defined herein.

This Note is registered as

to both principal and any stated interest within the meaning of Treasury Regulation § 5f.103-1(c). The transfer, sale or assignment

of any rights under or interest in this Note is subject to certain restrictions contained in the Revolving Credit Agreement, including

Section 10.06 thereof.

To the extent set forth in

the Revolving Credit Agreement, Borrower shall pay all fees and expenses, including attorneys’ fees, incurred by the Lender in the

enforcement or attempt to enforce any of Borrower's obligations hereunder not performed when due. Borrower hereby waives notice of presentment,

demand, protest or notice of any other kind.

This Note shall be governed by and construed in

accordance with the laws of the State of New York without regard to its conflicts of laws principles.

[signature page to follow]

Exhibit E-1

IN WITNESS WHEREOF, Borrower has duly executed

this Note effective on the date first written above.

CCF OPCO LLC,

a Delaware limited liability company

By:

Form Only

– Do Not Execute

Name:

Title:

Exhibit E-1

EXHIBIT E-2

FORM OF

Amended

and restated

PROMISSORY

NOTE B

$[__________]

December 29, 2023

FOR VALUE RECEIVED, CCF OpCo

LLC, a Delaware limited liability company (“Borrower”) hereby promises to pay to BP FUNDING TRUST, SERIES

SPL-V, a statutory series of BP Funding Trust, a Delaware statutory trust, for itself and for no other series of BP Funding Trust

(the “Lender”), the principal sum of [________] MILLION DOLLARS AND 00/100 ($[_______]) or such lesser amount

as shall equal the aggregate outstanding principal balance of the Revolving Credit Loans made by the Lender to Borrower pursuant to that

certain Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise

modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by and among Borrower,

the Subsidiary Guarantors party thereto, the several financial institutions party thereto as Lenders, and Veritex

CommunitySunflower Bank, N.A.,

as Administrative Agent (in such capacity, the “Administrative Agent”), on or before the Maturity Date

specified in the Revolving Credit Agreement; and to pay interest on said sum, or such lesser amount, at the rates and on the dates provided

in the Revolving Credit Agreement.

Borrower shall make all payments

hereunder, for the account of the Lender’s applicable Lending Office, to Administrative Agent as indicated in the Revolving Credit

Agreement, in lawful money of the United States and in same day or immediately available funds.

Borrower hereby authorizes

the Lender to record on the schedule(s) annexed to this Note the date and amount of each Revolving Credit Loan and of each payment

or prepayment of principal made by Borrower and agree that all such notations shall be conclusive absent manifest error with respect to

the matters noted; provided, however, that the failure of the Lender to make any such notation shall not affect Borrower's

obligations hereunder.

This Note is one of the Notes

referred to in the Revolving Credit Agreement. This Note is subject to the terms of the Revolving Credit Agreement, including the rights

of prepayment and the rights of acceleration of maturity set forth therein. Terms used herein have the meanings assigned to those terms

in the Revolving Credit Agreement, unless otherwise defined herein.

This Note is registered as

to both principal and any stated interest within the meaning of Treasury Regulation § 5f.103-1(c). The transfer, sale or assignment

of any rights under or interest in this Note is subject to certain restrictions contained in the Revolving Credit Agreement, including

Section 10.06 thereof.

To the extent set forth in

the Revolving Credit Agreement, Borrower shall pay all fees and expenses, including attorneys’ fees, incurred by the Lender in the

enforcement or attempt to enforce any of Borrower's obligations hereunder not performed when due. Borrower hereby waives notice of presentment,

demand, protest or notice of any other kind.

This Note shall be governed by and construed in

accordance with the laws of the State of New York without regard to its conflicts of laws principles.

Exhibit E-2

THIS PROMISSORY NOTE IS SUBJECT TO CERTAIN SUBORDINATION

PROVISIONS SET FORTH IN A SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT, DATED AS OF DECEMBER 29, 2023 (AS AMENDED, RESTATED

OR OTHERWISE MODIFIED FROM TIME TO TIME IN ACCORDANCE WITH THE TERMS THEREOF) AND THE RIGHTS OF THE CLASS A LENDER, AS PROVIDED THEREIN.

THE EFFECT AND INTENT OF SUCH AGREEMENT IS THAT, IN CASE OF A SUBORDINATION EVENT INCLUDING A BANKRUPTCY PROCEEDING, ALL PAYMENTS

UNDER THIS NOTE ARE SUBORDINATED TO THE PAYMENT IN FULL OF ALL AMOUNTS PAYABLE TO THE CLASS A LENDER. BY ACCEPTING THIS NOTE, THE

HOLDER OF THIS NOTE AND ANY PARTICIPANT HEREIN AGREES THAT IF IT RECEIVES ANY PAYMENT IN VIOLATION OF SUCH SUBORDINATION PROVISIONS, SUCH

HOLDER OR PARTICIPANT SHALL HOLD SUCH AMOUNTS IN TRUST FOR THE BENEFIT OF THE CLASS A LENDER AND SHALL PAY SUCH AMOUNTS OVER TO THE

CLASS A LENDER (OR ANY APPLICABLE PARTICIPANT IN THE CLASS A LOANS) UPON DEMAND WITH INTEREST AT THE APPLICABLE INTEREST RATE

UNDER THE REVOLVING CREDIT AGREEMENT.

[signature page to follow]

Exhibit E-2

IN WITNESS WHEREOF, Borrower has duly executed

this Note effective on the date first written above.

CCF OPCO LLC,

a Delaware limited liability company

By:

Form Only

– Do Not Execute

Name:

Title:

Exhibit E-2

EXHIBIT F

[FORM OF POWER OF ATTORNEY]

Power

of Attorney

[Date]

[____________]

(“Company”) hereby irrevocably makes, constitutes and appoints Veritex CommunitySunflower

Bank, N.A. (and any of Administrative Agent's officers, employees,

or agents designated by Administrative Agent), with full power of substitution (such appointment being coupled with an interest), as its

true and lawful attorney-in-fact with full irrevocable power and authority in the place and stead of Company and in the name of Company

or in its own name, for the purpose of carrying out the terms of (i) the Second Amended and Restated Revolving Credit Agreement,

dated as of December 29, 2023 (as amended, modified, supplemented, renewed, extended or restated, the “Credit Agreement”),

among [CCF OpCo LLC][Company], as Borrower (in such capacity, “Borrower”), [Company and each other Subsidiary of Borrower]

[each Subsidiary of Company] from time to time party thereto (each, a “Subsidiary Guarantor”), the financial institutions

from time to time party thereto as lenders (each, a “Lender”) and Veritex CommunitySunflower

Bank, N.A., as administrative agent for the Lenders (in such capacity,

together with its successors and assigns in such capacity, “Agent”) and (ii) the other Revolving Credit Documents.

Capitalized terms used but not defined herein shall have the meanings assigned to such terms in the Credit Agreement.

This power of attorney entitles

Agent to take (subject to the limitations set forth below and in the Credit Agreement) any and all appropriate action and to execute any

and all documents and instruments that may be necessary or desirable to accomplish the purposes of the Credit Agreement and the other

Revolving Credit Documents, and, without limiting the generality of the foregoing, Company hereby gives Agent the power and right, on

behalf of Company, without notice to or assent by Company (subject to the limitation set forth below and in the Credit Agreement), to

do any or all of the following at any time (and solely at such time) after the occurrence and during the continuation of any Event of

Default or Backup Servicing Trigger Event (other than an Event of Default or Backup Servicing Trigger Event that is capable of cure and

for which a cure period has been provided and not yet expired):

1.            Sign

Company's name on any invoice or bill of lading relating to the Collateral, drafts against Consumer Receivable Obligors, or notices to

Consumer Receivable Obligors;

2.            Send

requests for verification of Company's;

3.            Endorse

Company's name on any of its payment items (including all of its Collections) that may come into the possession of Agent or a Lender;

4.            Make,

settle, and adjust all claims under Company’s policies of insurance and make all determinations and decisions with respect to such

policies of insurance as they relate to any of the Collateral;

Exhibit F

5.            Endorse

the name of Company upon all authorizations to transfer any funds out of the Concentration Accounts and any other Deposit Accounts (other

than any Excluded Account) maintained by or on behalf of Company as contemplated by the Revolving Credit Documents, or upon any chattel

paper, document, instrument, invoice or similar document or agreement relating to any of the Collateral;

6.            Settle

and adjust disputes and claims respecting Company's accounts, chattel paper, or general intangibles (each as defined in the Uniform Commercial

Code in effect in any applicable jurisdiction) constituting Collateral directly with Consumer Receivable Obligors, for amounts and upon

terms that Agent determines to be reasonable, and Agent may cause to be executed and delivered any documents and releases that Agent determines

to be reasonably necessary;

7.            Prepare,

file, and sign Company’s name to a proof of claim in bankruptcy or similar document against any Consumer Receivable Obligors, or

to any notice of lien, assignment, or satisfaction of lien or similar document in connection with any of the Collateral;

8.            Access

any lock-box or postal box into which mail of Company is deposited and receive, open and process all mail addressed to Company, and notify

postal authorities to change the address for delivery thereof to such address as Agent may designate;

9.            Use

the information recorded on or contained in any data processing equipment, computer hardware, and software relating to the Collateral;

10.          Prepare,

execute, and deliver any and all documents necessary or incidental to accomplish the foregoing, including but not limited to file UCC-3

assignments reflecting Agent as assignee of Company with respect to UCC-1 financing statements filed by Company in connection with Collateral,

contracts, leases, assignments, bills of sale, releases, extensions, satisfactions, and full or partial releases of liens, and to take

any and all such other acts of any kind and nature whatsoever the Agent may find necessary to fulfill Company's Obligations under the

Credit Agreement; and

11.          Take control in any manner

of any item of payment or proceeds relating to the Collateral.

The appointment of BP SPL-VI

as Company’s attorney shall be effective as of the execution date set forth below, and each and every one of its rights and powers,

being coupled with an interest, is irrevocable until the occurrence of the Discharge of Secured Obligations (other than with respect to

inchoate indemnification and expense reimbursement obligations for which no Claim has been made). Any third party may rely upon this document

as BP SPL-VI's authority to continue to exercise this power of attorney until prior to the occurrence of the Discharge of Secured Obligations

(other than with respect to inchoate indemnification and expense reimbursement obligations for which no Claim has been made). This power

of attorney is issued pursuant to the Credit Agreement and shall remain subject to the terms thereof and BP SPL-VI shall not exercise

any rights or privileges granted therein and herein unless and until the occurrence and during the continuation of any Event of Default

or Backup Servicing Trigger Event (other than an Event of Default or Backup Servicing Trigger Event that is capable of cure and for which

a cure period has been provided and not yet expired).

[Signature

page follows.]

Exhibit F

Executed as of the date first

written above.

[COMPANY]

By:

Name:

Title:

Attest:

By:

Exhibit F

exhibit

FORM OF BORROWING BASE CERTIFICATE

BORROWING BASE CERTIFICATE

Pursuant

to the Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise

modified in accordance with its terms from time to time, the "Revolving Credit Agreement"), by and among CCF OpCo

LLC ("Borrower"), the Subsidiary Guarantors party thereto, the several financial institutions party thereto as

Lenders, and Veritex CommunitySunflower

Bank, N.A., as

Administrative Agent (in such capacity, the "Administrative Agent"), the undersigned certifies that as of the

close of business on the date set forth below, the Borrowing Base is computed as set forth below.

The undersigned

represents and warrants that this Borrowing Base Certificate is a true and correct statement of, and that the information contained herein

is true and correct in all material respects regarding, the status of the Borrowing Base and that the amounts reflected herein are in

compliance with the provisions of the Revolving Credit Agreement and the schedules and exhibits thereto. The undersigned further represents

and warrants that there is no Default or Event of Default and all representations and warranties continued in the Revolving Credit Agreement

and other Revolving Credit Documents are true and correct in all material respects. The undersigned understands that the Lenders will

extend Revolving Credit Loans in reliance upon the information contained herein. In the event of a conflict between the following summary

of eligibility criteria set forth below and the criteria set forth in the definition of Borrowing Base indicated in the Revolving Credit

Agreement, the Revolving Credit Agreement shall govern. Capitalized terms used herein and not otherwise defined herein shall have the

meanings specified in the Revolving Credit Agreement.

Calculation of Borrowing Base as of _____________:

90% (or 95%) of the Eligible Principal Balance of all Eligible Consumer Receivables:

[Borrower to attach calculations]

From October 1, 2023 to January 30, 2025:

$____________________ (@ 95%)

On or After January 31, 2025:

$____________________ (@ 90%)

For Class A Funding Amount:

$____________________ (@ 90%)

plus

2.            100%

of the aggregate value of Eligible Cash:

[Borrower to attach calculations]

$_____________________

plus

Exhibit H

3.             80%

(or 85%) of the Aggregate Cash-in-Store:

[Borrower to attach calculations]

a.     Omitted:

b.     From

January 1, 2024 to December 31, 2024:

$_____________________ (@ 85%)

c.     After

December 31, 2024:

$_____________________ (@ 80%)

d.     For

Class A Funding Amount:

$_____________________ (@ 60%)

plus

4.             60%

(or 80%) of the Aggregate Cash-in- Transit:

[Borrower to attach calculations]

a.     Omitted:

b.     From

January 1, 2024 to December 31, 2024:

$____________________ (@ 80%)

c.     After

December 31, 2024:

$____________________ (@ 60%)

plus

Exhibit H

5.             80%

(or 85%) of the Aggregate Deposits-in-Transit:

[Borrower to attach calculations]

a.     Omitted:

b.     From

January 1, 2024 to December 31, 2024:

$____________________ (@ 85%)

d.     After

December 31, 2024:

$____________________ (@ 80%)

e.     For

Class A Funding Amount:

$____________________ (@ 60%)

plus

6.              80%

of the Aggregate Cash on Deposit:

[Borrower to attach calculations]

a.     Omitted:

b.     After

December 31, 2023:

$___________________ (@ 80%)

plus

7.              60%

of the Aggregate Approved Deposit Funding Account Cash:

[Borrower to attach calculations]

a.     After

January 31, 2023:

$__________________ (@ 60%)

8.              The sum of the applicable amount described in lines 1, 2, 3, 4, 5, 6 and 7 based on the applicable period.

$__________________

9.              Class A

Funding Amount:

The sum of the applicable amount set forth

in (i) line 1 clause (c), (ii) line 2, (iii) line 3 clause (d), and (iv) line 5 clause (e).

$__________________

10.            Class A

Loan Amount

The lesser of (a) 50% of the amount

set forth on line 9 and (b) the Class A Revolving Credit Commitment Amount.

a.       $________________

b.       $________________

=        $________________

Exhibit H

11.            Class B

Loan Amount

The difference between line 14 minus line

10 (excluding any Class B PIK Interest added to the principal amount of the Class B Loans on any remittance date).

$__________________

12.           Intentionally Omitted.

13.           Total

Borrowing Base

(the amount set forth on line 8)

$__________________

14.            Total Borrowed

$__________________

15.           Surplus (Deficit)

$__________________

Exhibit H

In addition to the foregoing, the information included on the certificate

attached hereto as Annex I is true and correct in all material respects.

[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK. SIGNATURE

PAGE FOLLOWS]

Exhibit H

IN WITNESS WHEREOF, this Borrowing Base Certificate has been duly executed

as of the date first written above.

CCF OPCO LLC,

a Delaware limited liability company

By:

Name:

Title:

Exhibit H

Annex

VERITEX

COMMUNITYSUNFLOWER BANK,

N.A. BORROWING base addendum

(see attached)

Exhibit H

exhibit

form of

DATA FIELD certificate

DATA FIELD CERTIFICATE

Pursuant to the Second Amended

and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise modified in accordance

with its terms from time to time, the “Revolving Credit Agreement”), by and among CCF OpCo LLC (“Borrower”),

the Subsidiary Guarantors party thereto, the several financial institutions party thereto as Lenders, and Veritex

CommunitySunflower Bank, N.A.,

as Administrative Agent (in such capacity, the “Administrative Agent”), the undersigned certifies that

the historical data and transactional history data provided by Borrower to Administrative Agent, for distribution to the Lenders, for

purposes of verifying pricing and modeling assumptions prior to the Closing Date consisting of the data fields below is true, accurate

and correct in all material respects:

[See attached]

IN WITNESS WHEREOF, this Data

Field Certificate has been duly executed as of the date first written above.

CCF OPCO

LLC,

a Delaware limited liability company

By:

Print Name:

Title:

Exhibit I

DATA FIELD CERTIFICATE

Pursuant

to the Second Amended and Restated Revolving Credit Agreement, dated as of December 29, 2023 (as amended, supplemented or otherwise

modified in accordance with its terms from time to time, the “Revolving Credit Agreement”), by and among CCF

OpCo LLC (“Borrower”), the Subsidiary Guarantors party thereto, the several financial institutions party thereto

as Lenders, and BP Funding Trust, Series SPL-V, as Administrative Agent (in such capacity, the “Administrative Agent”),

the undersigned certifies that the historical data and transactional history data provided by Borrower to Administrative Agent, for distribution

to the Lenders, for purposes of verifying pricing and modeling assumptions prior to the Closing Date consisting of the data fields below

is true, accurate and correct in all material respects:

[See attached]

IN WITNESS

WHEREOF, this Data Field Certificate has been duly executed as of the date first written above.

CCF

OPCO LLC,

a Delaware limited liability

company

By:

Print Name:

Title:

Exhibit JI

Data Source

Field

Description

4401

ATM FEES

4990

Cash Over/ (Short)

4402

Credit Card Surcharge

4449

Estrella Insurance Commission

4418

Etax Prep Fee Commission

4082

GAAP FAS 91 Contra - LOC

4085

GAAP FAS 91 Contra - Signature

4054

GAAP FAS 91 Contra Revenue

4081

GAAP FAS 91 Contra - MT Title

4091

GAAP FAS 91 Contra - ST Title

4086

GAAP FAS 91 Contra - Exp Sec

4087

GAAP FAS 91 Contra - Exp Inst

4192

LOC - Return Check Charge

4154

VA LOC - Credit Late Fees

4300

Money Order Fees

4802

Card Commission

4810

CL Store Insight Load Fee

4409

Bank Interest Earned

4450

CCFMI Insurance Commission

4156

CSO Post Default Interest

4999

Dividend Income

4435

Fax Service

4404

Insight Unload

4222

Interest Income - Notes R'able

4762

Late Fee

4438

License Tag & Title

4218

LOC Monthly Membership Fee

4442

Notary

4400

Other Income

4490

P.O. Box Rental

4443

Photo Copies

4405

Stamps,Envelopes,Stamped Env.

4161

Auto Equity Cash Late Fee

4205

CSO ST Late Fees

4209

CSO ST Post Default Interest

4211

CSO Title SP Late Fees

4212

CSO Title SP Post Def Interest

4176

Payday - Late Fees x

4175

Payday - Post Default Interest

4177

Payday - Return Check Charge x

4180

PDIL - Return Check Charge

4199

Reg - Return Check Charge

4197

Signature - Late Fees

Exhibit JI

Data Source

Field

Description

4196

Signature - Post Default Inter

4198

Signature - Return Check Charg

4203

ST Install Late Fees

4157

Express Install Post Def Int

4187

Express Secure - Post Def Int

4188

Express Secure - Late Fees

4185

Title - Late Fees

4184

Title - Post Default Interest

4186

Title - Return Check Charge

4247

Utilities/Payments/Credits

4551

Western Union/Money Gram Comm

4407

WU Commission

4754

Loanmart Commission

6005

(Gain)/Loss on Transaction

5169

Advertising - External Print

5170

Advertising - Internal Print

5195

Advertising Co op

5199

Advertising-Billboard

5198

Advertising-Other

5201

Advertising-TV

5179

Installment Business Repeat

5181

Marketing - Agency Fees

5171

Marketing - Business Repeat

5182

Marketing - Consulting Fees

5172

Marketing - Direct

5173

Marketing - Direct Installment

5183

Marketing - Dues/Subscriptions

5189

Marketing - Local Store

5192

Marketing - Media Software

5188

Marketing - Other DFS

5175

Marketing - Other DFS Install

5193

Marketing - Search Engine

5177

Marketing - Search Engine Inst

5184

Marketing - Social Media

5185

Marketing - Sponsorships

5180

Marketing - Technology

5186

Marketing - Text Campaigns

5174

Marketing - Text Intstallment

5187

Marketing - Web Agency

5196

Radio Advertising

5190

Marketing - Market Research

5203

Automobile

5230

CAR LEASES

Exhibit JI

Data Source

Field

Description

5205

Bank Charges

5228

Stamp/Envelope Purchase

5000

Cashwise Recon Acct

5020

Collection Expense

5207

Contributions

5027

Credit Card Fees

5254

Cust Referral-ChoiceLine/Tax

5255

Customer Referral

5019

Customer Reimbursment Expense

5920

Amortization

5910

Depreciation

5210

Dues

5209

Subscriptions/Reference Mat'l

5515

GAAP - FAS 91 Internet Install

5090

GAAP FAS 91 Contra - Internet

5128

GAAP - FAS 91 Contra Exp

5082

GAAP FAS 91 Contra - LOC

5085

GAAP FAS 91 Contra - Signature

5081

GAAP FAS 91 Contra - Titleloan

5086

GAAP FAS 91 Contra - Exp Sec

5087

GAAP FAS 91 Contra - Exp Inst

5127

GAAP - Accrued Vacation

5118

GAAP - LTIP/Retention Bonus

5925

GAAP- Accounts Payable Accrual

5126

GAAP- Bonus Accrual

5956

Impairment Charges

6010

State Income Tax Expense

5220

Employee Insurance

5131

Workers Compensation

5222

Def Amort (Prev Int Hedge B)

5221

Interest - Revolver (prev all)

5216

Interest - Senior/$40M Revolve

5258

Internet Connection Service

5194

Advertising Lead Generation

5178

Installment Lead Generation

5960

Lease Termination Expense

5251

Licenses and Permits

5303

Other Taxes

5256

Long Distance Telephone

6009

(Gain) / Loss on Disposal

5317

ETAX Prep Fee

5924

Miscellaneous Expense

5056

Overhead Allocation

Exhibit JI

Data Source

Field

Description

5225

Money Order Fees

5955

One Time Comp Charges

5262

CSO Memo Fees

5321

Document Shredding

5322

Document Storage

5316

Estrella Franchise Fees

5315

Estrella Marketing Fees

5313

Estrella MVR Fee

5229

Operating Expenses

5320

Other Equipment Expense

5326

Server Colocation

5318

Software Support

5325

State Database Fees

5227

Operating Supplies

5231

Postage

5117

GAAP - Bonuses

5115

GAAP - Salaries

5122

Incentive Pay Employees

5121

Overtime Pay

5120

Salaries Employees

5132

Tuition Reimbursement

5116

GAAP - Payroll Taxes

5130

Payroll Taxes

5204

Employer 401k Contrib. Match

5267

Independent Directors Expense

5263

Legal

5265

Other Professional Services

5235

Promotion

5339

LOC Transition Promotion

5219

Property and Casualty Ins.

5306

CAM Expense

5305

Real Estate Taxes

5237

Rent

5298

Aesthetic Maintenance

5293

Electronics Maintenance

5300

HVAC Maintenance

5296

Pest Control Services

5239

Repairs & Maintenance

5299

Security Maintenance

5301

Signage Maintenance/Install

5294

Store Cleaning Expense

5297

Trash Removal

5242

False Alarms

Exhibit JI

Data Source

Field

Description

5243

Security - Armored Delivery

5241

Security - Store

5307

Telecom_Speech Analytics

5312

Telecom_Service Star

5245

Telephone

5278

Lien Fees

5212

Training

5002

Airplane repair/maint

5253

Lodging

5249

Travel_Airfare

5250

Travel_Meals

5208

Entertainment Costs

5246

Electricity

5248

GAS

5247

Utilities

5244

Water

5176

Installment Verfiication Proce

5191

Verification Processes

5257

Wireless Service

6004

Fair Value Adjustment

1414

CCFI Funding - Express Install

1413

CCFI Funding - Express Secured

1297

Express Installment Principal

1065

Express Secured

1143

GAAP - Express Secured Unrecog

1337

GAAP_Express Install Def Adj

1152

GAAP_Express Install Unrecog

1148

GAAP_Express Secured_Def Allow

1404

Acquisition Receivable

1408

CCFI Funding - Short Term

1153

GAAP_PRA Contra Defaults

1025

PRA / OMLA Receivable

1068

EPP Inventory

1411

CCFI Funding - LOC

1415

CCFI Funding - LOC Title

1324

GAAP - LOC Unrecognized

1151

GAAP_LOC Title Unrecognized

1262

LOC Interest Receivable

1062

LOC Principal Receivable

1149

LOC Title Principal Receivable

1368

VA LOC - Credit Scored R'ables

1364

Acquisition R'able Installment

1348

CCFI Funding - Medium Term

Exhibit JI

Data Source

Field

Description

1358

GAAP - Signature Unrecognized

1275

Signature Interest Receivable

1173

Signature Loan Contra Defaults

1175

Signature Principal Receivable

1338

TDR Signature R'able Contra

1365

Acquisition R'able Title

1347

CCFI Funding - MT Title

1412

CCFI Funding - ST Title

1357

GAAP - MT Title Unrecognized

1378

GAAP - ST Title Unrecognized

1055

MT Title Allow Def Adjustment

1052

MT Title Principal Receivable

1377

ST Title Contra Defaults

1375

ST Title Receivable

1026

GAAP_PRA / OMLA Allowance

1057

GAAP - MT Title Allowance

1060

GAAP_Express Secured Allowance

1061

GAAP-LOC Allowance

1150

GAAP_LOC Title Allowance

1329

GAAP - Signature Allowance

1331

GAAP_Express Installment Allow

1369

GAAP - LOC Credit Allowance

1376

GAAP - ST Title Allowance

2069

GAAP - Ivy Finance LOC Reserve

2078

GAAP - CSO ST Check Reserve

2081

GAAP - CSO Title 24 Reserve

2084

GAAP - Crestline LOC Reserve

2086

GAAP - PathCredit LOC Reserve

4023

GAAP - Express Secured Unrecog

4065

Express Installment Fees

4756

Express Secured Fees

4040

GAAP_Express Install Unrecog

4096

SPV_ExpressTitle_Acquisition F

4097

SPV_ExpressSecure_Acquisition

4000

Check Cashing Fees

4050

PRA / OMLA Fees

4053

GAAP_Unearned PRA Fees / OMLA

4002

SPV_PRA_Acquisition Fee/Prem

4221

Interest

4036

CSO ST Fee

4064

GAAP - CSO ST Check Unearned

4009

CSO 12-Pay NC Fee

4010

GAAP - CSO 12-Pay NC Unearned

Exhibit JI

Data Source

Field

Description

4011

CSO 12-Pay Fee

4012

GAAP - CSO 12-Pay Unearned

4007

CSO 12-Pay Int Settlment

4008

CSO 12-Pay NC Int Settlement

4013

CSO Title 24 Fee

4014

GAAP - CSO Title 24 Unearned

4075

GAAP - LOC Unrecognized

4741

GAAP_LOC Title Unrecognized

4748

LOC - Credit Scored Fees

4742

LOC Title Fees

4752

LOC-Secured Check Fee

4005

SPV_LOC Title_Acquisition Fee/

4004

SPV_LOC_Acquisition Fee/Prem

4074

GAAP Unrecognized Signature Fe

4045

Signature Loan Fees

4032

TDR Signature Interest

4098

SPV_Installment_Acquisition Fe

4072

GAAP - MT Title Unrecognized

4056

GAAP - ST Title Unearned

4770

GAAP - ST Title Unrecognized

4016

ST Title_Interest Settlement

4769

ST Title Fees

4750

MT Title Loan Fees

4095

SPV_ST Title_Acquisition Fee/P

4006

SPV_MT Title_Acquisition Fee/P

5105

GAAP - Express Install EFT Acc

5074

GAAP_Express Installment Allow

5059

GAAP_Express Secured Allowance

5544

GAAP_Express Secured_Def Allow

5032

Express Secured Return Item

5091

Express Installment Default

5108

CSO ST Default

5102

GAAP - CSO EFT Accrual

5113

GAAP - CSO ST Check Reserve

5560

GAAP - CSO 12-Pay Reserve

5564

GAAP - CSO 12-Pay NC Reserve

5558

CSO 12-Pay Defaults

5562

CSO 12-Pay NC Defaults

5566

CSO 12-Pay Default Settlment

5567

CSO 12-Pay NC Def Settlement

5523

CSO Title SP Defaults

5556

GAAP - CSO Title 24 Reserve

5097

GAAP - LOC Credit Allowance

Exhibit JI

Data Source

Field

Description

5061

GAAP - LOC Allowance

5060

GAAP - LOC EFT Accrual

5545

GAAP_LOC Title Allowance

5095

LOC - Credit Scored Default

5506

LOC Collection Settlement

5030

LOC Secured Return Items

5546

LOC Title Defaults

5521

GAAP - Ck Cash RI in Transit

5010

Returned Items

5054

Collection Settlement

5018

GAAP - PRA RI in Transit

5022

GAAP- EPP Allowance

5014

PRA R.I.

5021

GAAP_PRA / OMLA Allowance

5063

GAAP - Signature Allowance

5103

GAAP - Signature EFT Accrual

5046

Signature Loan Defaults

5067

Signature Loan Settlement

5517

TDR Signature Allow Contra

5516

TDR Signature Default Contra

5058

GAAP - MT Title Allowance

5512

GAAP - ST Title Allowance

5008

MT Title Repos

5510

ST Title Defaults

5513

ST Title Settlement

5552

ST Title_Interest Settlement

5568

Crestline LOC Defaults

5570

GAAP - Crestline LOC Reserve

5573

GAAP - Ivy Finance LOC Reserve

5571

Ivy Finance LOC Defaults

5576

GAAP - PathCredit LOC Reserve

5574

PathCredit LOC Defaults

5092

Express Installment Collection

5033

Express Secured Collections

5011

R.I. Coll.

5073

GAAP - EFT Accrual

5507

GAAP DFS Payday Ping Accrual

5015

PRA R.I. Coll.

5533

Payday ACH Collections

5047

Signature Loan Collections

5077

CSO Collections

5109

CSO ST Collections

5112

CSO ST NC Collections

Exhibit JI

Data Source

Field

Description

5500

GAAP - CSO ST Check EFT Allow

5508

GAAP DFS CSO Ping Accrual

5559

CSO 12-Pay Collections

5563

CSO 12-Pay NC Collections

5524

CSO Title SP Collections

5031

LOC Secured Collections

5547

LOC Title Collections

5009

MT Title Collections

5511

ST Title Collections

5528

ST Title Pledge Collections

5569

Crestline LOC Collections

5572

Ivy Finance LOC Collections

5575

PathCredit LOC Collections

2000

Accounts Payable

2455

Accrued Payroll

2461

Accrued Payroll Bonus

2459

Accrued Vacation

2442

Employee 401k Contribution

2491

Deferred Rent - Current

2492

Deferred Rent - Non Current

2493

Operating Leases - Current

2494

Operating Leases - Non-Current

2019

A/P Customer Refunds

2004

Accrued Expenses

2008

Agency Held Collections x

2007

Bounce Outs

2011

Credit Card Collections

2017

Debt Sale Liability

2020

Federal Income Tax Liability

2435

HSA Employee Contributions

2521

Lease Termination Current

2002

Other AP

2014

Overpayments - Collections

2015

Pre Pay collections

2021

State Income Tax Liability

2010

Store Collection Pmts

2607

APS Utility Payable

2482

Charity Withheld

2059

Claims - IBNR

2073

DFS - Clearing Account - TX

2069

GAAP - Ivy Finance LOC Reserve

2684

General Insurance

2619

Insight Card Load

Exhibit JI

Data Source

Field

Description

2624

Levlpay_Bill Pay

2674

Loanmart Utility Payments

2673

MEMO Utility Payments

2625

MVD Lien Fee

2040

Rent - Clearing Account

2060

Store contribution-MDA Shamroc

2520

Sub Tenant Security Deposit

2605

WU Utilities Payable

2084

GAAP - Crestline LOC Reserve

2083

GAAP - CSO 12-Pay NC Reserve

2082

GAAP - CSO 12-Pay Reserve

2078

GAAP - CSO ST Check Reserve

2081

GAAP - CSO Title 24 Reserve

2074

GAAP - Guarantee Reserve

2086

GAAP - PathCredit LOC Reserve

2075

Potential BB Liab - PRA

2484

GAAP - CSO 12-Pay NC Unearned

2485

GAAP - CSO 12-Pay Unearned

2489

GAAP - CSO ST Unearned

2486

GAAP - CSO Title 24 Unearned

2603

Wire Transfers Payable

2503

Accrued Interest

3005

PAID IN CAPITAL

1331

GAAP_Express Installment Allow

1060

GAAP_Express Secured Allowance

1026

GAAP_PRA / OMLA Allowance

1184

GAAP-EPP Allowance

1369

GAAP - LOC Credit Allowance

1150

GAAP_LOC Title Allowance

1061

GAAP-LOC Allowance

1329

GAAP - Signature Allowance

1339

TDR Signature Allow Contra

1057

GAAP - MT Title Allowance

1376

GAAP - ST Title Allowance

1942

Insight Fees-

1944

Negative Balance Reserve

1423

5/3- Utility Clearing

1424

5/3-Credit Card

1069

BancFirst

1085

Bank of America

1022

Cash In Transit

1021

Cash Offset

1384

CFC-US Bank ACH-Wiring

Exhibit JI

Data Source

Field

Description

1383

CFC-US Bank Concentration

1382

CFC-US Bank Money Market

1380

CFC-US Bank- Payroll Ach

1385

CFC-US Bank Utility Clearing

1381

CFC-US Bank-Controlled Dist

1030

Checks Deposited

1399

Fifth-Third - Controlled Disbu

1335

GAAP - Republic EFT Accrual

1373

GAAP DFS Ping Accrual

1081

Huntington Disbursement

1428

LoanMart

1304

Rebublic Bank-Main

1315

Republic - CCF Payday

1303

Republic Bank-Master

1302

Republic Bank-Store Acct

1306

Republic EFT

1433

Royal Bank of Canada

1086

US Bank

1044

Wells Fargo

1434

Wells Fargo-CCF Installment

1047

Wells Fargo-CCF Payday

1426

Wells Fargo-Installment

1020

Cash on Hand

1019

Cash on Hand_Intercompany

1998

Restricted Cash

2513

CCFI Funding Notes

3000

Common Stock

2495

Current Portion Deferred Rev

2895

LT Portion Deferred Revenue

1035

Investment - MD-JV

1565

GOODWILL

2816

Lease Termination Non-Current

1555

Capitalized Maintenance

1530

Electronic Equipment

1550

Furniture and Fixtures

1560

Leasehold Improvements

1540

Other Equipment

1525

Software

1570

Vehicles

1640

ACCUM DEPRECIATION-Office

2618

CSMO Money Orders

2628

EM Money Orders

2602

Money Orders Payable

Exhibit JI

Data Source

Field

Description

1100

Accounts Receivable

1048

Coll Import Cash Allocation

1110

Employee Draws and loans

1111

Employee payroll checks

1418

CSO 12-Pay Fee Receivable

1417

CSO 12-Pay NC Fee Receivable

1403

CSO Fee Receivable

1405

CSO ST Fee Receivable

1406

CSO ST NC Fee Receivable

1103

Other AR

1419

CSO Title 24 Fee Receivable

1345

CCFI Funding Notes R'able

1182

Credit Card Chargebacks

1349

DFS-TLC Clearing Cash - Texas

1935

Prepaid Expense

1040

Return Items

1171

State Income Tax Receivable

1825

Customer List Accum Amort

1823

Customer List Intangilble

1828

DFS Int Dev Software - Amort

1827

DFS Int Dev Software Intang

1812

Favorable Lease

1581

Non Compete Amortization

1580

Non Compete Intangible

1826

Trade Name Accum Amort

1824

Trade Name Intangible

3920

Retained Earnings - Curr. Year

3932

Cash Distribution

3930

Cash Distribution/Dividend

3900

Other Comprehensive Income

3910

Retained Earnings - Prior year

2814

2023 Note Payable $42M

2881

Revolver

1930

Security Deposit

2819

Def Issuance Cost - Ivy Fund

2512

Ivy Funding LOC

2824

Def Issuance Cost - Piedmont2

2804

Piedmont Note Payable

2803

Piedmont Note2 - Non Current

3935

Treasury Stock

1978

Cap Loan Cost - Express Instal

1977

Cap Loan Cost - Express Secure

1973

Cap Loan Cost - Ckless

Exhibit JI

Data Source

Field

Description

1970

Capitalized Loan Cost

1077

GAAP_PRA / OMLA Unearned Fees

1972

Cap Loan Cost - LOC

1976

Cap Loan Cost - Signature

1971

Cap Loan Cost - MT Title Loan

1982

Cap Loan Cost - ST Title

1056

GAAP - ST Title Unearned

2515

Piedmont Note - Current Portio

2517

Piedmont Note2 - Current

2826

2023 PIK Notes $276M

2828

Fair Value Adjustment_PIK

1573

Right to Use Asset

3001

Member's Units

2451

Non Current Deferred FICA

2870

Unfavorable Lease

DFS Portal

first name

TX CSO Loan Information

DFS Portal

last name

TX CSO Loan Information

DFS Portal

customer id

TX CSO Loan Information

DFS Portal

state

TX CSO Loan Information

DFS Portal

ach post date

TX CSO Loan Information

DFS Portal

effective date

TX CSO Loan Information

DFS Portal

loan due date

TX CSO Loan Information

DFS Portal

DFS balance

TX CSO Loan Information

DFS Portal

A/R balance

TX CSO Loan Information

DFS Portal

1010

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1040

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1070

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1110

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1160

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1165

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1170

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1175

TX CSO Loan Information-point to CCF GL acct

DFS Portal

1177

TX CSO Loan Information-point to CCF GL acct

DFS Portal

unearned finance

TX CSO Loan Information

DFS Portal

unearned refinance

TX CSO Loan Information

Exhibit JI

Data Source

Field

Description

DFS Portal

loan_type

TX CSO Loan Information

DFS Portal

loan id

TX CSO Loan Information

DFS Portal

major

TX CSO Loan Information

DFS Portal

minor

TX CSO Loan Information

DFS Portal

provider name

TX CSO Loan Information

DFS Portal

original term

TX CSO Loan Information

DFS Portal

loan_id

TX CSO Loan Information

DFS Portal

parent_refi_id

TX CSO Loan Information

DFS Portal

Type

TX CSO Loan Information

DFS Portal

CSO Balance

TX CSO Loan Information

DFS Portal

Total Due

TX CSO Loan Information

DimLoan

ChargeOffDateKey

Charge off date of loan in yyyymmdd format

DimLoan

ClosedDateKey

Closed date of loan in yyyymmdd format

DimLoan

FundedDateKey

Funded date of loan in yyyymmdd format

DimLoanProduct

LoanClass

Loan class category of loan

DimLocation

LocationType

Identifies if the loan is Retail or Online

DimPaymentSchedule

AmountDue

Amount due for Payment

DimPaymentSchedule

DueDateKey

Due date of payment in yyyymmdd format

DimPaymentSchedule

PaidDateKey

Paid date of payment in yyyymmdd format

FactLoan

Principal

Current principal due on loan

Field

Description

ReportDate

of Date for the position file (typically prior day).

Vintage

The

month-year of the loan’s funded date.

LoanKey

Internal data warehouse unique identifier

for the loan.

NOTE:

The size of this bigint causes Excel to truncate the value if not viewed as text.

LoanIdDD

Loan

identifier from the source system.

Channel

Either

“Online” for our CashCentral online lending channel; or, “Retail” for our storefront retail brands.

LoanState

State

the loan was originated in and services in.

Exhibit JI

Field

Description

ProductGroup

High-level loan product group:

·   PRA

·   Installment

·   LoC

(Line of Credit)

·   Title

(secured by vehicle title)

NOTE:

The Title ProductGroup are vehicle title secured loans that may be single payment; single payment with ability to rollover / extend;

multiple payment ala installment; or, multiple payment, open ended ala line of credit.

LoanProduct

The

specific loan product for the loan.

CustomerType

·   New

Orig – first loan for first time loan customer

·   New

Refi – refinanced loan from first time loan customer’s first loan chain

·   Repeat

Orig – new loan for an existing customer (not the result of a refinance)

·   Repeat

Refi – refinanced loan from an existing customer

LoanStatus

High-level status of the loan:

·   Open

·   Collections

·   Closed

·   (Unknown)

LoanSubStatus

specific status for the loan.

FundedDate

Date

the loan was funded.

OriginalAPR

TILA

APR from the time of loan origination.

FundedAmount

The

original principal funded amount for the loan. This is not necessarily the amount of money disbursed to the customer (e.g., refinance

loan funding). For non-line-of-credit loans, see CashOut for the Customer disbursement amount.

OriginalPrincipal

The

original principal balance of the loan at time of funding.

OriginalFees

The

original fees balance of the loan at the time of funding (e.g., origination fees, lien perfection fees).

OriginalMaturityDate

The

original loan maturity date at the time of funding. Not applicable for open ended (line of credit) loans.

Exhibit JI

Field

Description

CurrentMaturityDate

The

current maturity date for the loan. This may differ from the OriginalMaturityDate due to courtesy date moves or other loan arrangements

made. Not applicable for open ended (line of credit) loans.

LoanMonthsTerm

The

number of months between the funded date and the original maturity date for the loan. Not applicable for open ended (line of credit)

loans.

OriginalNumberOfInstallments

The

original number of payments scheduled for the loan. Not applicable for open ended (line of credit) loans.

ChargeOffDate

The

date a loan was charged off / defaulted and placed into collections.

ChargeOffAmount

Total

amount (principal + interest + fees) of the loan balance at the time of charge off.

ChargeOffPrincipal

The

loan principal balance at the time of charge off.

ClosedDate

The

date a loan was closed (e.g., paid off or sold).

DaysToClose

The

number of days from the loan funding date until the loan closed date.

PaidWithRefi

Indicator

on whether the loan was paid back via a refinance (a value of 1 means the loan was refinanced).

PrincipalTotal

Total

principal assessed to the loan. This may include origination fees that were financed (and therefore part of the loan principal).

PrincipalPaid

The

total amount of payments applied towards the principal balance of the loan.

WriteOffPrincipal

The

total amount of principal balance written off for the loan. NOTE: This is not necessarily a total loan write-off, this includes

any reduction on earned balance not resulting from a payment or refinance (e.g., a customer rebate or a collections settlement).

InterestTotal

Total

interest accrued to the loan.

InterestPaid

The

total amount of payments applied towards the interest balance of the loan.

Exhibit JI

Field

Description

WriteOffInterest

The

total amount of interest balance written off for the loan. NOTE: This is not necessarily a total loan write-off, this includes

any reduction on earned balance not resulting from a payment or refinance (e.g., a customer rebate or a collections settlement).

FeesTotal

Total

fees assessed to the loan (all fee types). This may not include financed origination fees (which would be in the PrincipalTotal).

FeesPaid

The

total amount of payments applied towards the fees balance of the loan.

WriteOffFees

The

total amount of fees balance written off for the loan. NOTE: This is not necessarily a total loan write-off, this includes

any reduction on earned balance not resulting from a payment or refinance (e.g., a customer rebate or a collections settlement).

PrincipalBalance

PrincipalTotal

+ PrincipalPaid + WriteOffPrincipal

CurrentBalance

PrincipalTotal

+ PrincipalPaid + WriteOffPrincipal + InterestTotal + InterestPaid + WriteOffInterest + FeesTotal + FeesPaid + WriteOffFees + Other

(overpayment)

CashOut

The

total amount of cash disbursed to the customer.

CashIn

The

total amount of cash received from the customer. This does not include refinance amounts.

OriginalCreditLimit

For

line of credit loans, the original credit limit for the loan.

CurrentCreditLimit

For

line of credit loans, the current credit limit for the loan.

DaysDelinquent

When

the loan is not closed or charged off and has an outstanding balance, the number of days the loan is past due (if applicable).

FirstPaymentDueDate

The

first payment due date for the loan.

FirstPaymentAmountDue

The

amount due for the first payment due date for the loan.

LastPaymentDate

The

last date a payment on the loan was made.

IsFPD

Indicator

of first payment default (FPD). The value is 1 if the first payment is past due or has not been fully satisfied (and past its due

date).

PaymentFrequency

The frequency of the loan’s

payment schedule:

·   Single

Payment

·   Weekly

·   Bi-Weekly

·   Semi-Monthly

·   Monthly

·   (Unknown)

Exhibit JI

XML — IDEA: XBRL DOCUMENT

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Filename: R1.htm · Sequence: 7

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Sep. 30, 2026

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8-K

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Document Period End Date

Sep. 30, 2026

Entity File Number

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Entity Registrant Name

KATAPULT

HOLDINGS, INC.

Entity Central Index Key

0001785424

Entity Tax Identification Number

84-2704291

Entity Incorporation, State or Country Code

Entity Address, Address Line One

400 Galleria Parkway SE

Entity Address, Address Line Two

Suite 300

Entity Address, City or Town

Atlanta

Entity Address, State or Province

Entity Address, Postal Zip Code

30339

City Area Code

678

Local Phone Number

402-3000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, par value $0.0001 per share

Trading Symbol

KPLT

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

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