Amended and Restated Revolving Credit Agreement by and among World Acceptance Corporation, Harris Trust and Savings Bank, individually and as Agent and the Banks which are parties hereto Dated as of June 30, 1997Revolving Credit Agreement • November 14th, 1997 • World Acceptance Corp • Personal credit institutions • Illinois
AMENDED AND RESTATED SECURITY AGREEMENT, PLEDGE AND INDENTURE OF TRUST Dated as of June 30, 1997Security Agreement • November 14th, 1997 • World Acceptance Corp • Personal credit institutions • South Carolina
CONFORMED COPY WORLD ACCEPTANCE CORPORATION NOTE AGREEMENT Dated as of June 30, 1997 Re: $10,000,000 10% Senior Subordinated Secured NotesDue June 30, 2004Note Agreement • November 14th, 1997 • World Acceptance Corp • Personal credit institutions • South Carolina
WORLD ACCEPTANCE CORPORATION NINTH AMENDMENT TO CREDIT AGREEMENT AND FIFTH AMENDMENT TO REVOLVING CREDIT NOTES Harris Trust and Savings Bank in its individual capacity as a Bank and as Agent 111 West Monroe Street Chicago, Illinois 60690 The First...Credit Agreement • June 30th, 1997 • World Acceptance Corp • Personal credit institutions • Illinois
INDENTURE Among WORLD ACCEPTANCE CORPORATION a South Carolina corporation EACH OF THE GUARANTORS PARTY HERETO $300,000,000 7.000% Senior Notes due 2026 and The Bank of New York Mellon Trust Company, N.A., as Trustee Dated as of September 27, 2021Indenture • September 28th, 2021 • World Acceptance Corp • Personal credit institutions • New York
INDENTURE, dated as of September 27, 2021, among WORLD ACCEPTANCE CORPORATION, a South Carolina corporation, THE GUARANTORS from time to time party hereto (as defined) and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as trustee (in such capacity, the “Trustee”)
SECTION I EMPLOYMENTEmployment Agreement • February 15th, 2000 • World Acceptance Corp • Personal credit institutions • South Carolina
World Acceptance Corporation Registration Rights AgreementRegistration Rights Agreement • October 12th, 2006 • World Acceptance Corp • Personal credit institutions • New York
World Acceptance Corporation, a South Carolina corporation (the “Company”), proposes to issue and sell to the initial purchasers (the “Initial Purchasers”) listed on Schedule 1 to the purchase agreement dated October 3, 2006 (the “Purchase Agreement”), for whom J.P. Morgan Securities Inc. is acting as representative (the “Representative”), $110,000,000 aggregate principal amount of its 3.00% Convertible Senior Subordinated Notes due 2011 (the “Notes”), upon the terms and subject to the conditions set forth in the Purchase Agreement.
WORLD ACCEPTANCE CORPORATION as Issuer AND U.S. Bank National Association as Trustee Indenture Dated as of October 10, 2006 3.00% Convertible Senior Subordinated Notes due 2011Indenture • October 12th, 2006 • World Acceptance Corp • Personal credit institutions • New York
INDENTURE, dated as of October 10, 2006, between World Acceptance Corporation, a corporation duly organized and existing under the laws of the State of South Carolina, as Issuer (the “Company”), having its principal office at 108 Frederick Street, Greenville, South Carolina 29607 and U.S. Bank National Association, a national banking association, as Trustee (the “Trustee”).
WORLD ACCEPTANCE CORPORATION THIRD AMENDMENT TO NOTE AGREEMENTSNote Agreements • June 30th, 1997 • World Acceptance Corp • Personal credit institutions • South Carolina
WORLD ACCEPTANCE CORPORATION AMENDED AND RESTATED NOTE AGREEMENT Dated as of June 30, 1997 Re: $20,000,000 8.5% Senior Secured Notes Due December 1, 1999 Table of Contents (Not a part of the Agreement)Note Agreement • November 14th, 1997 • World Acceptance Corp • Personal credit institutions • South Carolina
World Acceptance Corporation 7.000% Senior Notes due 2026 PURCHASE AGREEMENTPurchase Agreement • September 28th, 2021 • World Acceptance Corp • Personal credit institutions • New York
World Acceptance Corporation, a South Carolina corporation (the “Company”), confirms its agreement with Wells Fargo Securities, LLC (“Wells Fargo”) and each of the other Initial Purchasers named on Schedule A hereto (collectively, the “Initial Purchasers,” which term shall also include any person substituted for an Initial Purchaser pursuant to Section 10 hereof), for whom Wells Fargo is acting as representative (in such capacity, the “Representative”), with respect to the issue and sale by the Company and the purchase by the Initial Purchasers, acting severally and not jointly, of $300,000,000 in aggregate principal amount of the Company’s 7.000% Senior Notes due 2026 (the “Securities”). The Securities will be issued pursuant to an Indenture to be dated as of the Closing Date (as defined herein) (the “Indenture”) among the Company, the Guarantors referred to below, and The Bank of New York Mellon Trust Company, N.A., as trustee (the “Trustee”). The Company’s obligations under the Secu
WORLD ACCEPTANCE CORPORATION RESTRICTED STOCK AWARD AGREEMENTRestricted Stock Award Agreement • February 6th, 2014 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant of Restricted Stock by the Company to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
Employment AgreementEmployment Agreement • May 24th, 2019 • World Acceptance Corp • Personal credit institutions • South Carolina
This Agreement is effective as of April 1, 2019 (the “Effective Date”) by and between World Acceptance Corporation (the “Company”), a South Carolina corporation, and Luke J. Umstetter (the “Executive”), an individual residing at Greenville, South Carolina.
116549.01049/134574273v.2 AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT1 BY AND AMONG WORLD ACCEPTANCE CORPORATION, THE LENDERS PARTIES HERETO, AND WELLS FARGO BANK, NATIONAL ASSOCIATION, AS ADMINISTRATIVE AGENT AND COLLATERAL AGENT BANK OF...Revolving Credit Agreement • February 28th, 2024 • World Acceptance Corp • Personal credit institutions • New York
AGREEMENTSettlement Agreement • June 29th, 1999 • World Acceptance Corp • Personal credit institutions
Employment Agreement By And Between World Acceptance Corporation And Francisco Javier Sauza Effective June 1, 2008Employment Agreement • May 29th, 2009 • World Acceptance Corp • Personal credit institutions • South Carolina
This Agreement is effective as of June 1, 2008, by and between World Acceptance Corporation (the "Company"), a South Carolina corporation and Francisco Javier Sauza (the "Executive").
Employment AgreementEmployment Agreement • September 1st, 2016 • World Acceptance Corp • Personal credit institutions • South Carolina
This Agreement is effective as of September 1, 2016 by and between World Acceptance Corporation (the “Company”), a South Carolina corporation, and Daniel Clinton Dyer (the “Executive”).
WORLD ACCEPTANCE CORPORATION RESTRICTED STOCK AWARD AGREEMENTRestricted Stock Award Agreement • October 16th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS RESTRICTED STOCK AWARD AGREEMENT (the “Agreement”), effective as of the Grant Date above, represents the grant of Restricted Stock by the Company to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
WORLD ACCEPTANCE CORPORATION STOCK OPTION AGREEMENTStock Option Agreement • February 6th, 2014 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant of Option Shares by the Company to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
WORLD ACCEPTANCE CORPORATION EXECUTIVE RESTRICTED STOCK AWARD AGREEMENTExecutive Restricted Stock Award Agreement • June 13th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant of Restricted Stock by the Company to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
STOCK PURCHASE AGREEMENTStock Purchase Agreement • August 3rd, 2018 • World Acceptance Corp • Personal credit institutions
STOCK PURCHASE AGREEMENT (the “Agreement”), dated as of July 13, 2018, to be effective as of July 1, 2018, by and among World Acceptance Corporation (“Seller 1”), WFC Services Inc. (“Seller 2”), WAC Mexico Holdings, LLC (“Seller 3”, jointly with Seller 1 and Seller 2 as the “Sellers”) and Astro Wealth S.A. de C.V. (“Purchaser 1”) and Astro Assets S.A. de C.V. (“Purchaser 2”, jointly with Purchaser 1 as the “Purchasers”), together with the Sellers as the “Parties” or “Party”).
FIRST AMENDMENT TO EMPLOYMENT AGREEMENTEmployment Agreement • October 16th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (this “Amendment”), is made and entered into on the 15th day of October, 2018, to be effective immediately, by and between World Acceptance Corporation (the “Company”), a South Carolina corporation, and John L. Calmes, Jr. (the “Executive”), an individual residing at Greenville, South Carolina.
WORLD ACCEPTANCE CORPORATION STOCK OPTION AGREEMENTStock Option Agreement • June 13th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant by the Company of an option to purchase the Option Shares to the Optionee named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
FOURTH Amendment to Amended and Restated Revolving Credit AgreementRevolving Credit Agreement • December 16th, 2020 • World Acceptance Corp • Personal credit institutions • New York
This Fourth Amendment to Amended and Restated Revolving Credit Agreement (herein, the “Amendment”) is entered into as of December 15, 2020, by and among World Acceptance Corporation (the “Borrower”), Wells Fargo Bank, National Association together with the other financial institutions a party hereto (the “Lenders”) and Wells Fargo Bank, National Association, as Administrative Agent and Collateral Agent for the Lenders (the “Administrative Agent”).
Fifth Amendment to Amended and Restated Revolving Credit AgreementRevolving Credit Agreement • February 5th, 2009 • World Acceptance Corp • Personal credit institutions • Illinois
This Fifth Amendment to Amended and Restated Revolving Credit Agreement (herein, the “Amendment”) is entered into as of January 28, 2009, by and among World Acceptance Corporation, a South Carolina corporation (the “Borrower”), the Banks party hereto, Bank of Montreal, as Agent for the Banks (the “Agent”).
Twelfth Amendment to Amended and Restated Revolving Credit AgreementRevolving Credit Agreement • February 28th, 2024 • World Acceptance Corp • Personal credit institutions
This Twelfth Amendment to Amended and Restated Revolving Credit Agreement (herein, the “Amendment”) is entered into as of February 28, 2024, by and among World Acceptance Corporation (the “Borrower”), Wells Fargo Bank, National Association together with the other financial institutions a party hereto (the “Lenders”) and Wells Fargo Bank, National Association, as Administrative Agent and Collateral Agent for the Lenders (the “Administrative Agent”).
THIRD AMENDMENT TO AMENDED AND RESTATED SECURITY AGREEMENT, PLEDGE AND INDENTURE OF TRUSTSecurity Agreement • November 8th, 2004 • World Acceptance Corp • Personal credit institutions • South Carolina
Reference is hereby made to that certain Amended and Restated Security Agreement, Pledge and Indenture of Trust dated as of June 30, 1997 (as the same may be amended, the “Subsidiary Security Agreement”), from World Acceptance Corporation of Alabama, World Acceptance Corporation of Missouri, World Finance Corporation of Georgia, World Finance Corporation of Louisiana, World Acceptance Corporation of Oklahoma, Inc., World Finance Corporation of South Carolina, World Finance Corporation of Tennessee, World Finance Corporation of Texas, WFC Limited Partnership, WFC of South Carolina, Inc., World Finance Corporation of Illinois, World Finance Corporation of New Mexico, World Finance Corporation of Kentucky, WFC Services, Inc., and World Finance Corporation of Colorado (the “Companies” and individually a “Company”) to Harris Trust and Savings Bank, as Security Trustee. Capitalized terms not otherwise defined herein shall have the meanings set forth in the Subsidiary Security Agreement.
STOCK OPTION AGREEMENTStock Option Agreement • October 16th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant by the Company of an option to purchase the Option Shares to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
WORLD ACCEPTANCE CORPORATION DIRECTOR RESTRICTED STOCK AWARD AGREEMENTDirector Restricted Stock Award Agreement • June 13th, 2018 • World Acceptance Corp • Personal credit institutions • South Carolina
THIS AGREEMENT, effective as of the Grant Date above, represents the grant of Restricted Stock by the Company to the Participant named above, pursuant to the provisions of the Plan and this Agreement. All capitalized terms shall have the meanings ascribed to them in the Plan, unless specifically set forth otherwise herein. The parties hereto agree as follows:
First Amendment to Amended and Restated Guaranty AgreementGuaranty Agreement • May 29th, 2009 • World Acceptance Corp • Personal credit institutions • South Carolina
Reference is hereby made to that certain Amended and Restated Guaranty Agreement dated as of June 30, 1997 (as amended, modified, or supplemented, the “Subsidiary Guaranty Agreement”), from World Acceptance Corporation of Alabama, World Acceptance Corporation of Missouri, World Finance Corporation of Georgia, World Finance Corporation of Louisiana, World Acceptance Corporation of Oklahoma, Inc., World Finance Corporation of South Carolina, World Finance Corporation of Tennessee, World Finance Corporation of Texas, WFC Limited Partnership, WFC of South Carolina, Inc., World Finance Corporation of Illinois, World Finance Corporation of New Mexico, World Finance Corporation of Kentucky, WFC Services, Inc., and World Finance Corporation of Colorado (the “Guarantors” and individually a “Guarantor”). Capitalized terms not otherwise defined herein shall have the meaning set forth in the Subsidiary Guaranty Agreement.
EXHIBIT 4.1Retirement Savings Plan Adoption Agreement • October 18th, 1996 • World Acceptance Corp • Personal credit institutions
AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT BY AND AMONG WORLD ACCEPTANCE CORPORATION, THE BANKS PARTIES HERETO, JPMORGAN CHASE BANK, N.A., AS CO-AGENT, AND HARRIS N.A., AS AGENT DATED AS OF JULY 20, 2005Revolving Credit Agreement • August 10th, 2005 • World Acceptance Corp • Personal credit institutions • Illinois
This Amended and Restated Revolving Credit Agreement is entered into as of July 20, 2005, by and among World Acceptance Corporation, a South Carolina corporation (the “Borrower”), the several financial institutions from time to time party to this Agreement as Banks, JPMorgan Chase Bank, as Co-Agent, and Harris N.A., as successor by merger with Harris Trust and Savings Bank, as Agent. All capitalized terms used herein without definition shall have the same meanings herein as such terms as are defined in Section 5.1 hereof.
AMENDED AND RESTATED SECURITY AGREEMENT, PLEDGE AND INDENTURE OF TRUST Dated as of June 7, 2019 among WORLD ACCEPTANCE CORPORATION OF ALABAMA WORLD ACCEPTANCE CORPORATION OF MISSOURI WORLD FINANCE CORPORATION OF GEORGIA WORLD FINANCE CORPORATION OF...Security Agreement • June 7th, 2019 • World Acceptance Corp • Personal credit institutions • New York
THIS AMENDED AND RESTATED SECURITY AGREEMENT, PLEDGE AND INDENTURE OF TRUST (this “Agreement”) dated as of June 7, 2019, among WORLD ACCEPTANCE CORPORATION OF ALABAMA, an Alabama corporation, WORLD ACCEPTANCE CORPORATION OF MISSOURI, a Missouri corporation, WORLD FINANCE CORPORATION OF GEORGIA, a Georgia corporation, WORLD FINANCE CORPORATION OF LOUISIANA, a Louisiana corporation, WORLD ACCEPTANCE CORPORATION OF OKLAHOMA, INC., an Oklahoma corporation, WORLD FINANCE COMPANY OF SOUTH CAROLINA, LLC, a South Carolina limited liability company, WORLD FINANCE CORPORATION OF TENNESSEE, a Tennessee corporation, WORLD FINANCE CORPORATION OF TEXAS, a Texas corporation, WFC LIMITED PARTNERSHIP, a Texas limited partnership, WFC OF SOUTH CAROLINA, INC., a South Carolina corporation, WORLD FINANCE CORPORATION OF ILLINOIS, an Illinois corporation, WORLD FINANCE CORPORATION OF NEW MEXICO, a New Mexico corporation, WORLD FINANCE COMPANY OF KENTUCKY, LLC, a Kentucky limited liability company, WORLD FIN
Amended and Restated Security Agreement, Pledge and Indenture of Trust Dated as of September 17, 2010 Between World Acceptance Corporation and Harris N.A., as Collateral AgentSecurity Agreement • September 21st, 2010 • World Acceptance Corp • Personal credit institutions • South Carolina
Amended and Restated Security Agreement, Pledge and Indenture of Trust (this “Agreement”) dated as of September 17, 2010, between World Acceptance Corporation, a South Carolina corporation (the “Borrower”), and Harris N.A., as collateral agent (the “Collateral Agent”) which amends and restates that certain Amended and Restated Security Agreement, Pledge and Indenture of Trust dated as of June 30, 1997 (as the same has heretofore been amended, restated, modified, supplemented or waived pursuant to the terms thereof) between the Borrower and Harris N.A. (the “Original Security Agreement”). The post office addresses of the Borrower and the Collateral Agent are set forth in §10.3.
First Amendment to Amended and Restated Revolving Credit AgreementRevolving Credit Agreement • August 9th, 2006 • World Acceptance Corp • Personal credit institutions • Illinois
This First Amendment to Amended and Restated Revolving Credit Agreement (herein, the “Amendment”) is entered into as of August 4, 2006, by and among World Acceptance Corporation, a South Carolina corporation (the “Borrower”), the Banks party hereto, and Harris N.A. as Agent for the Banks (the “Agent”).
