QC Holdings, Inc. Sample Contracts

NON-QUALIFIED STOCK OPTION AGREEMENT
Non-Qualified Stock Option Agreement • March 13th, 2009 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS AGREEMENT, dated as of , 200 , is made by QC Holdings, Inc., a Kansas corporation (the “Corporation”), and , a non-employee director of the Corporation (the “Optionee”).

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PLEDGE AGREEMENT
Pledge Agreement • January 25th, 2006 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS PLEDGE AGREEMENT (this “Agreement”), dated as of January 19, 2006 is entered into between QC Financial Services, Inc., a Missouri corporation (the “Pledgor”), and U.S. Bank National Association, a national banking association, as Agent under the Credit Agreement (the “Secured Party”), with reference to the following:

THIRD AMENDED AND RESTATED CREDIT AGREEMENT among QC HOLDINGS, INC. and THE LENDERS THAT ARE PARTIES HERETO and U.S. BANK NATIONAL ASSOCIATION, as Agent, Sole Bookrunner and Lead Arranger July 23, 2014
Credit Agreement • July 29th, 2014 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS THIRD AMENDED AND RESTATED CREDIT AGREEMENT (this “Agreement”), dated as of July 23, 2014, is by and among QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U.S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

SUBSIDIARY SECURITY AGREEMENT
Subsidiary Security Agreement • December 12th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS SUBSIDIARY SECURITY AGREEMENT (the “Security Agreement”) is made and entered into as of December 7, 2007, by EACH OF THE UNDERSIGNED SUBSIDIARIES (each a “Grantor” and collectively the “Grantors”) for the benefit of U.S. BANK NATIONAL ASSOCIATION, a national banking association, as agent (the “Agent”) for each of the lenders (the “Lenders”) now or hereafter party to the Amended and Restated Credit Agreement (as defined below). All capitalized terms used but not otherwise defined herein or pursuant to Section 1 hereof shall have the respective meanings assigned thereto in the Amended and Restated Credit Agreement (as defined below).

INCENTIVE STOCK OPTION AGREEMENT
Incentive Stock Option Agreement • March 13th, 2009 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS AGREEMENT, dated as of , 200 , is made by QC Holdings, Inc., a Kansas corporation (the “Corporation”), and , an employee of the Corporation or a Subsidiary of the Corporation (the “Optionee”).

BANCO POPULAR NORTH AMERICA
Loan and Security Agreement • May 7th, 2004 • QC Holdings, Inc. • Illinois

THIS AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (the “Agreement”) is made and entered into as of the 16th day of October, 2003 among QC HOLDINGS, INC., a Kansas corporation (“QC Holdings”), QC FINANCIAL SERVICES, INC., a Missouri corporation, QC FINANCIAL SERVICES OF CALIFORNIA, INC., a California corporation, FINANCIAL SERVICES OF NORTH CAROLINA, INC., a Delaware corporation, CASH TITLE LOANS, INC., a Missouri corporation, TITLE LOANS, INC., a Missouri corporation (collectively, and jointly and severally, referred to hereinafter as “Borrower” and sometimes as “Borrowers”), DON EARLY (referred to hereinafter as the “Guarantor”), and BANCO POPULAR NORTH AMERICA (“Bank”), with reference to the following facts:

REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • April 21st, 2006 • QC Holdings, Inc. • Functions related to depository banking, nec • Delaware

THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) dated as of April 18, 2006, is among QC HOLDINGS, INC., a Kansas corporation (the “Company”), DON EARLY (“Early”) and PRIDES CAPITAL FUND I, LP, a Delaware limited partnership (“Prides”).

QC HOLDINGS, INC. RESTRICTED STOCK AWARD AGREEMENT
Restricted Stock Award Agreement • February 12th, 2009 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”), dated as of , 20 (the “Grant Date”), is made between QC Holdings, Inc., a Kansas corporation (the “Company”), and , an employee of the Company or a subsidiary of the Company (“Participant”).

UNLIMITED CONTINUING GUARANTY
Unlimited Continuing Guaranty • March 14th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS UNLIMITED CONTINUING GUARANTY (this “Guaranty Agreement”), dated as of December 1, 2006, is made by Express Check Advance of South Carolina, LLC, a Tennessee limited liability company (“Guarantor”), for the benefit of U.S. BANK NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States, as agent (in such capacity, the “Agent”) for each of the lenders (the “Banks”) now or hereafter party to the Credit Agreement (as defined below). All capitalized terms used but not otherwise defined herein shall have the meanings ascribed to such terms in the Credit Agreement (as defined below).

EMPLOYMENT AGREEMENT
Employment Agreement • August 2nd, 2012 • QC Holdings, Inc. • Functions related to depository banking, nec

THIS EMPLOYMENT AGREEMENT (the “Agreement”) is hereby made and entered into as of this 1st day of August, 2012 (the "Effective Date"), by and between QC Holdings, Inc., a Kansas corporation (the “Company”), and Don Early, an individual residing in the state of Nevada (the “Executive”).

Contract
Subordinated Promissory Note • May 7th, 2004 • QC Holdings, Inc. • Kansas

THIS NOTE AND THE INDEBTEDNESS EVIDENCED HEREBY ARE SUBORDINATE IN THE MANNER AND TO THE EXTENT SET FORTH IN THAT CERTAIN SUBORDINATION AGREEMENT DATED THE DATE HEREOF AMONG QC HOLDINGS, INC., BANCO POPULAR NORTH AMERICA, CAHILL, WARNOCK STRATEGIC PARTNERS FUND, L.P. AND STRATEGIC ASSOCIATES, L.P.

REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • June 10th, 2004 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) dated as of June , 2004, and effective as of the Effective Date as defined below, is among QC Holdings, Inc., a Kansas corporation (the “Company”), Don Early (“Early”) and Gregory L. Smith (“Smith”), and is consented to by each of the other stockholders of the Company listed on the consent pages hereto.

THIRD AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE LENDERS THAT ARE PARTIES HERETO and NOVEMBER 12, 2013
Third Amendment Agreement • November 13th, 2013 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This Third Amendment Agreement (this “Agreement”), is made and entered into as of November 12, 2013, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

STOCKHOLDERS AGREEMENT
Stockholders Agreement • June 10th, 2004 • QC Holdings, Inc. • Functions related to depository banking, nec • Delaware

STOCKHOLDERS AGREEMENT (the “Agreement”) dated as of October 16, 1999 (this “Agreement”), is entered into by and among by and among QC Holdings, Inc., a Kansas corporation (the “Company”), Cahill, Warnock Strategic Partners Fund, L.P., a limited partnership organized under the laws of the State of Delaware (“CW Strategic Partners”), Strategic Associates, L.P., a limited partnership organized under the laws of the State of Delaware (“Strategic Associates”) and James R. Seward (“Seward” and together with CW Strategic Partners and Strategic Associates, the “Purchasers”) and each of the existing stockholders of the Company listed on the signature pages hereto (the “Existing Stockholders” and together with the Purchasers, the “Stockholders”).

Contract
Adoption Agreement • June 4th, 2009 • QC Holdings, Inc. • Functions related to depository banking, nec

NOTE: Execution of this Adoption Agreement creates a legal liability of the Employer with significant tax consequences to the Employer and Participants. The Employer should obtain legal and tax advice from its professional advisors before adopting the Plan. Principal Life Insurance Company disclaims all liability for the legal and tax consequences which result from the elections made by the Employer in this Adoption Agreement.

QC HOLDINGS, INC. RESTRICTED STOCK AWARD AGREEMENT
Restricted Stock Award Agreement • March 14th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”), dated as of , 200 (the “Grant Date”), is made between QC Holdings, Inc., a Kansas corporation (the “Company”), and , a director of the Company (“Director”).

QC HOLDINGS, INC. [ ] Shares1 Common Stock ($0.01 par value per share) Form of Underwriting Agreement
Underwriting Agreement • June 24th, 2004 • QC Holdings, Inc. • Functions related to depository banking, nec • Maryland
SECOND AMENDMENT TO PLEDGE AGREEMENT
Pledge Agreement • October 6th, 2011 • QC Holdings, Inc. • Functions related to depository banking, nec

This Second Amendment to Pledge Agreement (this “Amendment”), is made and entered into as of September 30, 2011, by and between QC Holdings, Inc., a Kansas corporation (“Pledgor”), and U.S. Bank National Association, a national banking association, as Agent under the Credit Agreement (“Secured Party”).

FIRST AMENDMENT TO NOTE PURCHASE AGREEMENT
Note Purchase Agreement • July 29th, 2014 • QC Holdings, Inc. • Functions related to depository banking, nec

FIRST AMENDMENT TO NOTE PURCHASE AGREEMENT (the “Amendment”), dated as of July 23, 2014, among QC HOLDINGS, INC., a Kansas corporation (the “Company”) and Don Early and Gregory L. Smith (individually, a “Buyer” and collectively, the “Buyers”).

UNLIMITED CONTINUING GUARANTY
Unlimited Continuing Guaranty • December 12th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS UNLIMITED CONTINUING GUARANTY (this “Guaranty Agreement”), dated as of December 7, 2007, is made by QC E-Services, Inc., a Kansas corporation, QC Auto Services, Inc., a Kansas corporation and QC Loan Services, Inc., a Kansas corporation (each individually a “Guarantor” and collectively, the “Guarantors”), for the benefit of U.S. BANK NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States, as agent (in such capacity, the “Agent”) for each of the lenders (the “Lenders”) now or hereafter party to the Amended and Restated Credit Agreement (as defined below). All capitalized terms used but not otherwise defined herein shall have the meanings ascribed to such terms in the Amended and Restated Credit Agreement (as defined below).

SECOND AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE LENDERS THAT ARE PARTIES HERETO and MAY 15, 2013
Second Amendment Agreement • May 15th, 2013 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This Second Amendment Agreement (this “Agreement”), is made and entered into as of May 15, 2013, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

NOTE PURCHASE AGREEMENT
Note Purchase Agreement • October 6th, 2011 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

NOTE PURCHASE AGREEMENT (the “Agreement”), dated as of September 30, 2011, among QC HOLDINGS, INC., a Kansas corporation, with headquarters located at 9401 Indian Creek Parkway, Suite 1500, Overland Park, Kansas 66210 (the “Company”), and the investors listed on the Schedule of Buyers attached hereto (individually, a “Buyer” and collectively, the “Buyers”).

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MANAGEMENT STOCK AGREEMENT
Management Stock Agreement • May 7th, 2004 • QC Holdings, Inc. • Kansas

THIS MANAGEMENT STOCK AGREEMENT is made as of , between QC HOLDINGS, INC., a Kansas corporation (the “Company”), and the employee whose name appears on the signature page hereof (“Employee”).

CREDIT AGREEMENT among QC HOLDINGS, INC. and THE BANKS THAT ARE PARTIES HERETO and U.S. BANK NATIONAL ASSOCIATION, as Agent and Arranger January 19, 2006
Credit Agreement • January 25th, 2006 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS CREDIT AGREEMENT (this “Agreement”), dated as of January 19, 2006, is by and among QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Banks that are parties hereto (being hereinafter referred to individually as a “Bank” or collectively as the “Banks”), and U.S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

FIRST AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE BANKS THAT ARE PARTIES HERETO and OCTOBER 30, 2006
First Amendment Agreement • November 1st, 2006 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This First Amendment Agreement (this “Agreement”), is made and entered into as of October 30, 2006, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Banks that are parties hereto (being hereinafter referred to individually as a “Bank” or collectively as the “Banks”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

INDEMNIFICATION AGREEMENT
Indemnification Agreement • June 24th, 2004 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS INDEMNIFICATION AGREEMENT (the “Agreement”) is entered into effective as of the day of , 200 , by and between QC HOLDINGS, INC., a Kansas corporation (the “Company”), and (the “Indemnified Party”).

SECURITY AGREEMENT
Security Agreement • January 25th, 2006 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

THIS SECURITY AGREEMENT (the “Security Agreement”) is made and entered into as of January 19, 2006 by QC HOLDINGS, INC., a Kansas corporation, (“Grantor”) for the benefit of U.S. BANK NATIONAL ASSOCIATION, a national banking association, as agent (the “Agent”) for each of the lenders (the “Banks”) now or hereafter party to the Credit Agreement (as defined below). All capitalized terms used but not otherwise defined herein or pursuant to Section 1 hereof shall have the respective meanings assigned thereto in the Credit Agreement (as defined below).

SECOND AMENDMENT TO STOCKHOLDERS AGREEMENT
Stockholders Agreement • June 10th, 2004 • QC Holdings, Inc. • Functions related to depository banking, nec

THIS SECOND AMENDMENT TO STOCKHOLDERS AGREEMENT (the “Second Amendment”) dated as of January 1, 2003, is entered into among QC Holdings, Inc., a Kansas corporation (the “Company”), and each of the existing Stockholders of the Company listed on the signature pages hereto.

SECOND AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE BANKS THAT ARE PARTIES HERETO and SEPTEMBER 28, 2007
Second Amendment Agreement • October 22nd, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This Second Amendment Agreement (this “Agreement”), is made and entered into as of September 28, 2007, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Banks that are parties hereto (being hereinafter referred to individually as a “Bank” or collectively as the “Banks”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

SECOND AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE LENDERS THAT ARE PARTIES HERETO and SEPTEMBER 30, 2010
Second Amendment Agreement • October 6th, 2010 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This Second Amendment Agreement (this “Agreement”), is made and entered into as of September 30, 2010, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Lender” or collectively as the “Lenders”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

ADOPTION AGREEMENT
Executive Nonqualified Excess Plan Adoption Agreement • May 9th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec

WHEREAS, the provisions of the Plan are intended to comply with the requirements of Section 409A of the Code and the regulations thereunder, and shall apply to amounts deferred after January 1, 2005, and to amounts deferred under the terms of any predecessor plan which are not earned and vested before January 1, 2005; and

FIRST AMENDMENT AGREEMENT among QC HOLDINGS, INC., as Borrower and THE LENDERS THAT ARE PARTIES HERETO and MARCH 7, 2008
First Amendment Agreement • March 13th, 2008 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas

This First Amendment Agreement (this “Agreement”), is made and entered into as of March 7, 2008, by and between QC HOLDINGS, INC., a Kansas corporation (the “Borrower”), the Lenders that are parties hereto (being hereinafter referred to individually as a “Bank” or collectively as the “Lenders”), and U. S. BANK NATIONAL ASSOCIATION, in its capacity as Agent (the “Agent”).

SUBORDINATION AGREEMENT
Subordination Agreement • October 6th, 2011 • QC Holdings, Inc. • Functions related to depository banking, nec • Kansas
STOCK OPTION AGREEMENT
Stock Option Agreement • May 7th, 2004 • QC Holdings, Inc. • Kansas

THIS STOCK OPTION AGREEMENT is delivered this 1st day of September, 2002, by QC HOLDINGS, INC., a Kansas corporation (the “Corporation”) to ROBERT L. ALBIN, a resident of the state of Colorado (“Optionee”), pursuant to Section 3(b) of the Consulting Agreement dated the date hereof (the “Consulting Agreement”) between QC Financial Services, Inc. and Optionee.

FIRST AMENDMENT TO PLEDGE AGREEMENT
Pledge Agreement • March 14th, 2007 • QC Holdings, Inc. • Functions related to depository banking, nec

This First Amendment to Pledge Agreement (this “Amendment”), is made and entered into as of December 1, 2006, by and between QC Financial Services, Inc., a Missouri corporation (“Pledgor”), and U.S. Bank National Association, a national banking association, as Agent under the Credit Agreement (“Secured Party”).

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