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Portfolio Recovery Associates Inc Sample Contracts

PRA III, LLC Borrower
Loan and Security Agreement • September 6th, 2002 • Portfolio Recovery Associates Inc • New York
Exhibit 1.1 Portfolio Recovery Associates, Inc. 3,000,000 Shares Common Stock(1) UNDERWRITING AGREEMENT
Underwriting Agreement • May 6th, 2003 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Illinois
PRA GROUP, INC. (Issuer) and REGIONS BANK, as Trustee INDENTURE Dated as of May 26, 2017 3.50% Convertible Senior Notes due 2023
Indenture • May 26th, 2017 • Pra Group Inc • Services-consumer credit reporting, collection agencies • New York

INDENTURE, dated as of May 26, 2017, between PRA GROUP, INC., a Delaware corporation, as issuer (the “Company,” as more fully set forth in Section 1.01) and REGIONS BANK, an Alabama bank, as trustee (the “Trustee,” as more fully set forth in Section 1.01).

RECITALS
Lease Amendment • September 6th, 2002 • Portfolio Recovery Associates Inc
PRA GROUP, INC., as Issuer, the GUARANTORS named herein, as Guarantors, and Regions Bank, as Trustee INDENTURE Dated as of May 20, 2024 8.875% Senior Notes due 2030
Indenture • May 20th, 2024 • Pra Group Inc • Short-term business credit institutions • New York

exemption from registration under the Securities Act provided by Rule 144 (if available), (v) under any other available exemption from the registration requirements of the Securities Act or (vi) pursuant to an effective registration statement under the Securities Act, in each of cases (i) through (vi) subject to any requirement of law that the disposition of our property or the property of such investor account or accounts be at all times within our or their control and in compliance with any applicable state securities laws and in each of cases (iii), (iv) and (v) subject to the Company’s and the Trustee’s right prior to any such offer sale or transfer to require to the delivery of an opinion of counsel, certification and/or other information satisfactory to each of the Company and the Trustee. The foregoing restrictions on resale will not apply subsequent to the Resale Restriction Termination Date. Each purchaser acknowledges that the Company and the Trustee reserve the right prior t

PRA GROUP, INC., as Issuer, the GUARANTORS named herein, as Guarantors, and Regions Bank, as Trustee INDENTURE Dated as of February 6, 2023 8.375% Senior Notes due 2028
Indenture • February 6th, 2023 • Pra Group Inc • Services-consumer credit reporting, collection agencies • New York

INDENTURE dated as of February 6, 2023, among PRA GROUP, INC., a Delaware corporation (together with its successors or assigns, the “Company”), the Guarantors (as defined below) listed on the signature pages hereto and REGIONS BANK, as trustee.

CREDIT AGREEMENT Dated as of December 20, 2010 among PORTFOLIO RECOVERY ASSOCIATES, INC. as the Borrower, THE DOMESTIC SUBSIDIARIES OF THE BORROWER, as the Guarantors, BANK OF AMERICA, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer,...
Credit Agreement • December 22nd, 2010 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • New York

This CREDIT AGREEMENT is entered into as of December 20, 2010 among PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (the “Borrower”), the Guarantors (defined herein), the Lenders (defined herein) and BANK OF AMERICA, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer.

RECITALS
Loan Agreement • September 6th, 2002 • Portfolio Recovery Associates Inc
BUSINESS LOAN AGREEMENT
Business Loan Agreement • February 18th, 2004 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Virginia

THIS BUSINESS LOAN AGREEMENT dated January 8, 2004, is made and executed between Portfolio Recovery Associates, Inc. (“Borrower’) and RBC CENTURA BANK (“Lender”) on the following terms and conditions. Borrower has received prior commercial loans from Lender or has applied to Lender for a commercial loan or loans or other financial accommodations, including those which may be described on any exhibit or schedule attached to this Agreement (“Loan”). Borrower understands and agrees that: (A) in granting, renewing, or extending any Loan, Lender is relying upon Borrower’s representations, warranties, and agreements as set forth in this Agreement; (B) the granting, renewing, or extending of any Loan by Lender at all times shall be subject to Lender’s sole judgment and discretion; and (C) all such Loans shall be and remain subject to the terms and conditions of this Agreement.

12,500,000 CREDIT AGREEMENT By and Between PRA AG FUNDING, L.L.C. as Borrower and AG PRA 1999 FUNDING CO., LLC as Lender
Credit Agreement • September 6th, 2002 • Portfolio Recovery Associates Inc • New York
EMPLOYMENT AGREEMENT
Employment Agreement • November 20th, 2008 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Virginia

This EMPLOYMENT AGREEMENT (the “Agreement”) is dated as of November 14, 2008, by and between PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (the “Company”), and Kevin P. Stevenson (“Employee”).

Portfolio Recovery Associates, Inc. 1,250,000 Shares of Common Stock1 Underwriting Agreement
Underwriting Agreement • February 18th, 2010 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Illinois

William Blair & Company, L.L.C. As Representative of the Several Underwriters Named in Schedule A c/o William Blair & Company, L.L.C. 222 West Adams Street Chicago, Illinois 60606

EMPLOYMENT AGREEMENT
Employment Agreement • May 10th, 2017 • Pra Group Inc • Services-consumer credit reporting, collection agencies • Virginia

This Employment Agreement (the "Agreement") is dated as of February 23, 2017, by and between PRA Group, Inc. (the "Company") and Kevin P. Stevenson (the "Employee").

Portfolio Recovery Associates, Inc. 1,700,000 Shares Common Stock1 UNDERWRITING AGREEMENT
Underwriting Agreement • November 16th, 2004 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Illinois

William Blair & Company, L.L.C. Piper Jaffray & Co. America’s Growth Capital, LLC c/o William Blair & Company, L.L.C. 222 West Adams Street Chicago, Illinois 60606

EMPLOYMENT AGREEMENT
Employment Agreement • December 28th, 2011 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Virginia

This Employment Agreement (the “Agreement”) is dated as of December 1, 2011, by and between Portfolio Recovery Associates, Inc. (the “Company”) and Judith Scott (the “Employee”).

PRA GROUP, INC. PERFORMANCE STOCK UNIT AGREEMENT
Performance Stock Unit Agreement • May 9th, 2023 • Pra Group Inc • Services-consumer credit reporting, collection agencies • Virginia

This Performance Stock Unit Agreement, including the calculations set forth in Annex A and the country-specific terms set forth in the attached Appendix (collectively the “Agreement”), describes in detail your rights with respect to the Performance Stock Units (“PSUs”) granted herein (“LTI Award”) and sets forth the conditions, terms and limitations applicable to this grant, subject to the terms and conditions of the Plan. This Agreement constitutes a legal agreement between you (“Grantee”) and the Company. Capitalized terms used in this Agreement, but not otherwise defined herein, shall have the meanings set forth in the Plan.

PRA GROUP, INC., as Issuer, the GUARANTORS named herein, as Guarantors, and Regions Bank, as Trustee INDENTURE Dated as of August 27, 2020 7.375% Senior Notes due 2025
Indenture • September 1st, 2020 • Pra Group Inc • Services-consumer credit reporting, collection agencies • New York

exemption from registration under the Securities Act provided by Rule 144 (if available), (v) under any other available exemption from the registration requirements of the Securities Act or (vi) pursuant to an effective registration statement under the Securities Act, in each of cases (i) through (vi) subject to any requirement of law that the disposition of our property or the property of such investor account or accounts be at all times within our or their control and in compliance with any applicable state securities laws and in each of cases (iii), (iv) and (v) subject to the Company’s and the Trustee’s right prior to any such offer sale or transfer to require to the delivery of an opinion of counsel, certification and/or other information satisfactory to each of the Company and the Trustee. The foregoing restrictions on resale will not apply subsequent to the Resale Restriction Termination Date. Each purchaser acknowledges that the Company and the Trustee reserve the right prior t

EMPLOYMENT AGREEMENT
Employment Agreement • March 29th, 2004 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Delaware

This EMPLOYMENT AGREEMENT (the “Agreement”) is dated as of December 8, 2002 by and between PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (the “Company”), and Judith S. Scott (“Employee”).

Contract
Multicurrency Revolving Credit Facility Agreement • May 10th, 2022 • Pra Group Inc • Services-consumer credit reporting, collection agencies

USD 750,000,000MULTICURRENCY REVOLVING CREDIT FACILITY AGREEMENToriginally dated 23 October 2014andamended by an amendment letter dated 18 December 2014 and an amendment letter dated 13 January 2015, and as amended and restated by a first amendment and restatement agreement dated 12 June 2015, a second amendment and restatement agreement dated 19 February 2016, a third amendment and restatement agreement dated 2 September 2016,a fourth amendment and restatement agreement dated 23 January 2018, a fifth amendment and restatement agreement dated 25 March 2019, a sixth amendment and restatement agreement dated 27 March 2020, a seventh amendment and restatement agreement dated 12 March 2021 and an eighth amendment and restatement agreement dated 29 March 2022forPRA Group Europe Holding S.à r.l arranged byDNB Bank ASA, Nordea Bank Abp, filial i Norge and Swedbank AB (publ) as Mandated Lead Arrangersand DNB Bank ASA, Nordea Bank Abp, filial i Norge and Swedbank AB (publ)as Bookrunnersand DNB

EMPLOYMENT AGREEMENT
Employment Agreement • March 17th, 2003 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Delaware

This EMPLOYMENT AGREEMENT (the “Agreement”) is dated as of December 20, 2002 by and between PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (the “Company”), and Andrew J. Holmes (“Employee”).

NETCENTER FULL SERVICE OFFICE LEASE
Full Service Office Lease • December 18th, 2002 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies
EXHIBIT 4.2 AMENDED AND RESTATED Form of WARRANT Effective as of the date of this Agreement (the "Grant Date"), Portfolio Recovery Associates, Inc. (the "Company") hereby grants to [_________] ("Warrantholder") warrants (the "Warrants") to acquire...
Warrant Agreement • May 6th, 2003 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies

This Warrant is issued to Warrantholder under and pursuant to the Equity Exchange Agreement between Portfolio Recovery Associates, L.L.C., the Company and the additional parties named therein. The grant of the Warrants has been approved by the sole non-employee director of the Company and by the stockholders of the Company. [Vesting provisions of Warrants to be added.] The Warrants shall cease to be exercisable and shall terminate on [_________] (the "Expiration Date"). The Warrants may be exercised in whole or in part, but not in fractional Shares.

BANK OF AMERICA LOGO] Exhibit 10.5 BUSINESS LOAN AGREEMENT
Business Loan Agreement • September 6th, 2002 • Portfolio Recovery Associates Inc • Virginia
CREDIT AGREEMENT Dated as of December 19, 2012 among PORTFOLIO RECOVERY ASSOCIATES, INC. as a Borrower and a Guarantor and A DESIGNATED SUBSIDIARY OF PORTFOLIO RECOVERY ASSOCIATES, INC. from time to time party hereto as a Borrower, THE DOMESTIC...
Credit Agreement • December 20th, 2012 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • New York

This CREDIT AGREEMENT is entered into as of December 19, 2012 among PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (“PRA”), a certain designated Subsidiary of the Borrower from time to time party hereto pursuant to Section 2.02(f)(iii) (the “Designated Borrower”, and, together with PRA, the “Borrowers”), the Guarantors (defined herein), the Lenders (defined herein) and BANK OF AMERICA, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer.

NINTH AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • August 7th, 2024 • Pra Group Inc • Short-term business credit institutions • New York

This NINTH AMENDMENT TO CREDIT AGREEMENT (this “Agreement” or this “Amendment”) is entered into as of June 21, 2024, among PRA GROUP, INC. (f/k/a Portfolio Recovery Associates, Inc.), a Delaware corporation (“PRA”, or the “Company”), PRA GROUP CANADA INC., a Canadian corporation amalgamated under the Canada Business Corporations Act (the “Canadian Borrower”, and, together with PRA, the “Borrowers”), the Guarantors party hereto, the Lenders party hereto, BANK OF AMERICA, N.A., as Administrative Agent and BANK OF AMERICA, N.A., acting through its Canada branch, as Canadian Administrative Agent.

ARTICLE II. REPRESENTATIONS AND WARRANTIES
Equity Exchange Agreement • October 30th, 2002 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Delaware
AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
Loan and Security Agreement • May 11th, 2006 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Virginia

This AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (“Agreement”) is entered into as of the 5th day of May, 2006, by and among BANK OF AMERICA, N.A., WACHOVIA BANK, NATIONAL ASSOCIATION, RBC CENTURA BANK and PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (“Borrower”).

FIRST AMENDED EXECUTIVE CHAIRMAN AGREEMENT
Executive Chairman Agreement • August 8th, 2018 • Pra Group Inc • Services-consumer credit reporting, collection agencies • Virginia

This FIRST AMENDED EXECUTIVE CHAIRMAN AGREEMENT (the “Agreement”) is dated as of May 18, 2018 (the “Effective Date”), by and between PRA Group, Inc. (the “Company”), and Steven D. Fredrickson (the “Executive”).

BUSINESS LOAN AGREEMENT (Continued)
Business Loan Agreement • September 6th, 2002 • Portfolio Recovery Associates Inc • Virginia

TERM. This agreement shall be effective as of June 28, 2002, and shall continue in full force and effect until such time as all of Borrower's Loans in favor of Lender have been paid in full, including principal, interest, costs, expenses, attorneys' fees, and other fees and charges, or until such time as the parties may agree in writing to terminate this Agreement.

RESTRICTED STOCK UNIT AGREEMENT
Restricted Stock Unit Agreement • August 7th, 2020 • Pra Group Inc • Services-consumer credit reporting, collection agencies • Virginia

This Restricted Stock Unit Agreement, including the country-specific terms set forth in the attached Appendixes (collectively the “Agreement”), describes in detail your rights with respect to the Restricted Stock Units (“RSUs”) granted herein (“LTI Award”) and sets forth the conditions, terms and limitations applicable to this grant, subject to the terms and conditions of the Plan. This Agreement constitutes a legal agreement between you (“Grantee”) and the Company. Capitalized terms used in this Agreement but not otherwise defined herein, shall have the meanings set forth in the Plan.

FOURTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
Loan and Security Agreement • September 8th, 2008 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Virginia

This FOURTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (“Agreement”) is entered into as of the 3rd day of September, 2008, by and among BANK OF AMERICA, N.A., WACHOVIA BANK, NATIONAL ASSOCIATION, RBC BANK (USA), SUNTRUST BANK, JPMORGAN CHASE BANK, N.A. and PORTFOLIO RECOVERY ASSOCIATES, INC., a Delaware corporation (“Borrower”).

ASSET PURCHASE AGREEMENT
Asset Purchase Agreement • August 2nd, 2005 • Portfolio Recovery Associates Inc • Services-consumer credit reporting, collection agencies • Delaware

This Asset Purchase Agreement (this “Agreement”), dated as of July 29, 2005, is by and among Portfolio Recovery Associates, Inc., a Delaware corporation (“Parent”), PRA Government Services, LLC, a Delaware limited liability company and a subsidiary of the Parent (“Buyer”), Alatax, Inc., a Delaware corporation (“Seller”), and Brenda M. Hackney, Lee Walthall, Kennon Walthall and L. Stephen Morris, the stockholders of Seller (each, a “Stockholder” and, collectively, the “Stockholders”).