CURO Group Holdings Corp. as the Issuer and the Guarantors party hereto aggregate principal amount of INDENTURE Dated as of July 30, 2021 TMI Trust Company as Trustee and Collateral AgentIndenture • August 3rd, 2021 • CURO Group Holdings Corp. • Finance services • New York
] Shares CURO Group Holdings Corp. Common Stock UNDERWRITING AGREEMENTUnderwriting Agreement • November 28th, 2017 • CURO Group Holdings Corp. • Finance services • New York
5,000,000 Shares CURO Group Holdings Corp. Common Stock UNDERWRITING AGREEMENTUnderwriting Agreement • May 21st, 2018 • CURO Group Holdings Corp. • Finance services • New York
CURO GROUP HOLDINGS CORP. INDEMNIFICATION AGREEMENTIndemnification Agreement • November 1st, 2017 • CURO Group Holdings Corp. • Finance services • Delaware
This Indemnification Agreement (this “Agreement”) is made as of , 20 , by and between CURO Group Holdings Corp., a Delaware corporation (the “Company”), and (“Indemnitee”). This Agreement supersedes and replaces any and all previous Agreements between the Company and Indemnitee covering the subject matter of this Agreement. Certain capitalized terms used herein are defined in Section 2 hereof.
COLLECTION AGENCY AGREEMENTCollection Agency Agreement • October 24th, 2017 • CURO Group Holdings Corp. • Finance services • Kansas
This Collection Agency Agreement (this “Agreement”) is made as of November 25, 2014 (the “Effective Date”), by and between Todd Car Title, Inc., with its principal office at 3527 North Ridge Road, Wichita, Kansas 67205 (hereinafter referred to as “Client”) and Ad Astra Recovery Service, Inc., with its principal office at 3611 North Ridge Road, Suite 104, Wichita, Kansas 67205 (hereinafter referred to as “Agency”). Client and Agency are collectively referred to herein as “Parties,” and individually as a “Party,” as required by context.
EMPLOYMENT AND NON-COMPETITION AGREEMENTEmployment Agreement • March 18th, 2019 • CURO Group Holdings Corp. • Finance services • New York
This EMPLOYMENT AND NON‑COMPETITION AGREEMENT (this “Agreement”), dated as of April 28, 2016, is between Speedy Group Holdings Corp., a Delaware corporation (the “Employer”), and Roger Dean (the “Employee”).
GUARANTY AND SECURITY AGREEMENT Dated as of November 17, 2016 by CURO RECEIVABLES FINANCE I, LLC, as the Borrower Agent, and EACH OTHER GRANTOR FROM TIME TO TIME PARTY HERETO in favor of VICTORY PARK MANAGEMENT, LLC, as AgentGuaranty and Security Agreement • October 24th, 2017 • CURO Group Holdings Corp. • Finance services • New York
WHEREAS, pursuant to the Loan Agreement dated as of the date hereof (as the same may be amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”) by and among the Borrower Agent, the other Borrowers party thereto from time to time, VPC, as agent for Lenders and Holders, and the financial institutions from time to time party thereto as Lenders, the Lenders have severally agreed to make extensions of credit to the Borrowers upon the terms and subject to the conditions set forth therein;
COMMERCIAL LEASE AGREEMENTCommercial Lease Agreement • October 24th, 2017 • CURO Group Holdings Corp. • Finance services
This Commercial Lease Agreement (“Lease”) is entered into this January 1, 2008 between Tiger Financial Management, LLC. (‘Tenant”) and CDM Development, LLC., 3527 North Ridge Road, Wichita, Kansas 67205 (“Landlord”).
EMPLOYMENT AND NON-COMPETITION AGREEMENTEmployment Agreement • November 4th, 2019 • CURO Group Holdings Corp. • Finance services • Kansas
This EMPLOYMENT AND NON-COMPETITION AGREEMENT (this “Agreement”), dated as of October 24, 2019, is among CURO Group Holdings Corp., a Delaware corporation (“CURO”), CURO Management LLC, a Nevada limited liability company (“CMLLC”), and Roger Dean (“Employee”). As used in this Agreement, the term “CURO” includes both CURO and CMLLC, unless the context clearly indicates otherwise.
SPECIAL LIMITED AGENCY AGREEMENTSpecial Limited Agency Agreement • March 5th, 2021 • CURO Group Holdings Corp. • Finance services • Texas
THIS SPECIAL LIMITED AGENCY AGREEMENT (as amended, modified or restated from time to time, this “Agreement”) dated as of SEPTEMBER 17, 2020 (the “Effective Date”), is made by and between IVY FUNDING NINETY-SIX, LLC, a Texas limited liability company (“Lender”), and SCIL TEXAS, LLC, a Nevada limited liability company (“SCIL”), ( “CSO”).
CURO Financial Technologies Corp. PURCHASE AGREEMENTPurchase Agreement • October 24th, 2017 • CURO Group Holdings Corp. • Finance services • New York
CURO Financial Technologies Corp., a corporation organized under the laws of Delaware (the “Company”), proposes to issue and sell to Jefferies LLC and Stephens Inc. (together the “Initial Purchasers”) $464,000,000 aggregate principal amount of 12.000% Senior Secured Notes due 2022 (the “Senior Notes”) in accordance with the terms and conditions set forth in the Purchase Agreement, dated as of the date hereof, by and among the Company, the Company’s direct and indirect domestic subsidiaries set forth on Schedule I hereto (the “Guarantors”) and the Initial Purchasers (the “Purchase Agreement”). The Company proposes to issue and sell to you (the “Investor”), concurrently with the issuance and sale to the Initial Purchasers pursuant to the Purchase Agreement, $4,000,000 principal amount of Senior Notes. The Company’s obligations with respect to the Senior Notes will be unconditionally guaranteed (the “Guarantees” and, together with the Senior Notes, the “Securities”) on a senior secured ba
SECURITY AGREEMENT among CURO GROUP HOLDINGS CORP., CERTAIN SUBSIDIARIES OF CURO GROUP HOLDINGS CORP. and ALTER DOMUS (US) LLC, as COLLATERAL AGENT Dated as of May 15, 2023Security Agreement • May 16th, 2023 • CURO Group Holdings Corp. • Finance services
This SECURITY AGREEMENT, dated as of May15, 2023, is made by each of the undersigned assignors (each, an “Assignor” and, together with any other entity that becomes an assignor hereunder pursuant to Section 10.12 hereof, the “Assignors”) in favor of Alter Domus (US) LLC, as collateral agent (together with any successor collateral agent or assign and any co-collateral agents, in such capacity, the “Collateral Agent”), for the benefit of the Secured Parties (as defined below). Certain capitalized terms as used herein are defined in Article IX hereof. Except as otherwise defined herein, all capitalized terms used herein and defined in the Loan Agreement (as defined below) shall be used herein as therein defined.
CREDIT SERVICES AGREEMENT (OHIO ONLINE)Credit Services Agreement • September 27th, 2017 • CURO Group Holdings Corp. • Finance services • Ohio
THIS CREDIT SERVICES AGREEMENT (this “Agreement”) is made and entered into as of November 3, 2015, by and between NCP FINANCE OHIO, LLC, an Ohio limited liability company (“Lender”), and SCIL, INC. (“CSO”).
Dated as of May 12, 2023 among CURO CANADA RECEIVABLES II LIMITED PARTNERSHIP, by its general partner, CURO CANADA RECEIVABLES II GP INC., as Borrower and The Lenders Party Hereto and MIDTOWN MADISON MANAGEMENT LLC as Administrative Agent ASSET-BACKED...Asset-Backed Revolving Credit Agreement • May 16th, 2023 • CURO Group Holdings Corp. • Finance services • Ontario
This CREDIT AGREEMENT is made as of May 12, 2023 (this "Agreement") among CURO Canada Receivables II Limited Partnership, as the Borrower, the Lenders party hereto and Midtown Madison Management LLC, as the Administrative Agent.
INTERCREDITOR AGREEMENTIntercreditor Agreement • August 3rd, 2021 • CURO Group Holdings Corp. • Finance services • New York
THIS INTERCREDITOR AGREEMENT (this “Intercreditor Agreement”), dated as of July 30, 2021, is by and among BAY COAST BANK, as agent for the First Lien Lenders (as hereinafter defined) (in such capacity, “First Lien Agent” as hereinafter further defined), and TMI TRUST COMPANY, as collateral agent under (i) the Indenture (as hereinafter defined) for the other Notes Secured Parties (as hereinafter defined) and (ii) each Accession Agreement (as hereinafter defined) entered into after the date hereof for the Pari Passu Indebtedness Secured Parties (as hereinafter defined) identified therein and related Supplement (as hereinafter defined) hereto (together with its successors and assigns, in such capacity, “Second Lien Agent” as hereinafter further defined).
PLEDGE AGREEMENT among CURO GROUP HOLDINGS CORP., CERTAIN SUBSIDIARIES OF CURO GROUP HOLDINGS CORP. and TMI TRUST COMPANY, as COLLATERAL AGENT Dated as of July 30, 2021Pledge Agreement • August 3rd, 2021 • CURO Group Holdings Corp. • Finance services • New York
LEASE AGREEMENT DATED: July 26, 2012 LANDLORD: MCIB Partners A Kansas General Partnership TENANT: Tiger Financial Management, LLC A Nevada Limited Liability CompanyLease Agreement • September 27th, 2017 • CURO Group Holdings Corp. • Finance services • Kansas
Tenant desires to lease that portion of the commercial structure designated as: 8400 E 32nd St N, Wichita, KS consisting of approximately 40,500 square feet as further described in Attachment “A” (hereinafter referred to as the “Leased Premises”) and the non-exclusive use of all entrances, drives and common areas and facilities on said Premises.
CURO GROUP HOLDINGS CORP.Guaranty • March 7th, 2022 • CURO Group Holdings Corp. • Finance services • New York
Click or tap here to enter text. Dated August 2, 2023 QUESTRADE FINANCIAL GROUP INC. and CURO INTERMEDIATE HOLDINGS CORP. SHARE PURCHASE AGREEMENTShare Purchase Agreement • August 4th, 2023 • CURO Group Holdings Corp. • Finance services • Ontario
SALE AND SERVICING AGREEMENT Dated as of May 12, 2023 among CURO CANADA RECEIVABLES II LIMITED PARTNERSHIP, by its general partner, CURO CANADA RECEIVABLES II GP INC. as Purchaser and CURO CANADA CORP. as Seller and Servicer and LENDDIRECT CORP. as...Sale and Servicing Agreement • May 16th, 2023 • CURO Group Holdings Corp. • Finance services • Ontario
THIS SALE AND SERVICING AGREEMENT dated as of May 12, 2023 (as amended, restated, supplemented or otherwise modified from time to time, this "Agreement") is made among the Purchaser, the Servicers and the Sellers.
PLEDGE AGREEMENT among CURO GROUP HOLDINGS CORP., CERTAIN SUBSIDIARIES OF CURO GROUP HOLDINGS CORP. and ALTER DOMUS (US) LLC, as COLLATERAL AGENT Dated as of May 15, 2023Pledge Agreement • May 16th, 2023 • CURO Group Holdings Corp. • Finance services
This PLEDGE AGREEMENT (as amended, restated, amended and restated, supplemented or otherwise modified from time to time, this “Agreement”), dated as of May 15, 2023, is among each of the undersigned pledgors (each, a “Pledgor” and, together with any other entity that becomes a pledgor hereunder pursuant to Section 30 hereof, the “Pledgors”) and Alter Domus (US) LLC, as Collateral Agent, for the benefit of the Secured Parties. Except as otherwise defined herein, all capitalized terms used herein and defined in the Loan Agreement (as defined below) shall be used herein as therein defined.
FOURTH AMENDMENT TO LEASELease • March 9th, 2020 • CURO Group Holdings Corp. • Finance services
THIS FOURTH AMENDMENT TO LEASE ("Fourth Amendment") is entered into on November 20, 2017 by and between CDM Development, LLC ("Landlord") and Curo Management LLC, successor in interest to Tiger Financial Management, LLC, ("Tenant"), and amends the lease between the parties dated January 1, 2008, as amended by that Amendment to Lease dated December 1, 2008 (" First Amendment") and that Amendment to Lease dated August 1, 2009 ("Second Amendment") and that letter Amendment to Lease dated June 7, 2012 ("Third Amendment"), (collectively the "Lease") for the property commonly known as 3611 N. Ridge Rd., Wichita, KS 67205.
CURO Group Holdings Corp. as the Issuer and the Guarantors party hereto aggregate principal amount of 7.500% SENIOR 1.5 LIEN SECURED NOTES DUE 2028 INDENTURE Dated as of May 15, 2023 U.S. Bank Trust Company, National Association as Trustee and...Indenture • May 16th, 2023 • CURO Group Holdings Corp. • Finance services • New York
INDENTURE dated as of May 15, 2023, among CURO Group Holdings Corp., a Delaware corporation (and any successor thereto, the “Company”), the Guarantors (as defined herein) from time to time party hereto and U.S. Bank Trust Company, National Association, as trustee and collateral agent.
REVOLVING LOAN AGREEMENT dated as of September 1, 2017 among CURO FINANCIAL TECHNOLOGIES CORP. and CURO INTERMEDIATE HOLDINGS CORP. as the Borrower, CERTAIN SUBSIDIARIES OF CURO FINANCIAL TECHNOLOGIES CORP. as Guarantors, The Lenders Party Hereto, and...Revolving Loan Agreement • October 24th, 2017 • CURO Group Holdings Corp. • Finance services • New York
This REVOLVING LOAN AGREEMENT is entered into as of September 1, 2017 among CURO FINANCIAL TECHNOLOGIES CORP., a Delaware corporation (“CFTC”) and CURO INTERMEDIATE HOLDINGS CORP., a Delaware corporation (“Holdings”) (CFTC and Holdings collectively the “Borrower”), each Guarantor from time to time party hereto, each Lender from time to time party hereto, and BAY COAST BANK, as administrative agent, collateral agent and Issuing Bank.
FORBEARANCE AGREEMENTForbearance Agreement • March 1st, 2024 • CURO Group Holdings Corp. • Finance services
This FORBEARANCE AGREEMENT, dated as of March 1, 2024 (this “Agreement”), is by and among CURO Group Holdings Corp., a Delaware corporation (the “Issuer”), and the undersigned noteholders beneficially owning, in the aggregate, over 75% in principal amount of the outstanding Notes (as defined below) (the “Forbearing Holders,” and together with the Issuer, the “Parties,” and the Issuer or any Forbearing Holder, individually, a “Party”). Capitalized terms used but not otherwise defined in this Agreement have the same meanings as specified in the Indenture (as defined below).
LOAN PURCHASE AGREEMENT (Tier II)Loan Purchase Agreement • May 4th, 2020 • CURO Group Holdings Corp. • Finance services • New York
THIS LOAN PURHASE AGREEMENT (this “Agreement”), is made as of April 8, 2020 (the “Effective Date”), by and between (a) CURO Receivables Finance II, LLC, a Delaware limited liability company (the “Purchaser”) and (b) CURO Receivables Holdings II, LLC, a Delaware limited liability company (the “Seller”). Each party to this Agreement may be referred to herein as a “Party” or, collectively, as the “Parties.” Capitalized terms used herein without definition are used as defined in the Loan Agreement, dated as of the date hereof (the “Loan Agreement”), by and among Purchaser, the financial institutions from time to time party thereto as Lenders, and Midtown Madison Management LLC, as administrative, payment and collateral agent for itself, as a Lender, and for the other Lenders (in such capacities, “Agent”).
Signature Page to Credit Agreement (Heights/SouthernCo)Credit Agreement • July 20th, 2022 • CURO Group Holdings Corp. • Finance services • New York
LENDER GROUP:Class A Lender Agent: CREDIT SUISSE LENDER GROUP CREDIT SUISSE AG, NEW YORK BRANCH By: /s/ Enrique Flores Ruiz Name: Enrique Flores Ruiz Title: Vice President By: /s/ Marcus DiBrito Name: Marcus DiBrito Title: Vice President Address for Notices: Credit Suisse AG, New York Branch Securitized Products Finance Eleven Madison Avenue, 4th Floor New York, New York 10010 Attention: Conduit and Warehouse Financing E-mail: [***] [***] [***] [***] [***] Telephone: [***]
SUBLEASESublease • October 24th, 2017 • CURO Group Holdings Corp. • Finance services • Kansas
The indemnity obligation created hereunder shall include, without limitation, and whether foreseeable or unforeseeable, any and all costs incurred (other than incidental or consequential damages) in connection with any site investigation, and any and all costs for repair, cleanup, detoxification, or decontamination, or other remedial action of the Property. The obligations hereunder shall survive the expiration or earlier termination of this Sublease and any extensions thereof
UNAUDITED PRO FORMA COMBINED FINANCIAL INFORMATIONShare Purchase Agreement • September 5th, 2023 • CURO Group Holdings Corp. • Finance services
Curo Intermediate Holdings Corp. (“Seller”), a wholly owned subsidiary of CURO Group Holdings Corp. (the “Company”), entered into a Share Purchase Agreement dated August 2, 2023 and an Amendment to Share Purchase Agreement dated August 31, 2023 (collectively the “Purchase Agreement”), with Questrade Financial Group Inc. (“Purchaser”) pursuant to which Purchaser agreed to purchase from Seller all of the issued and outstanding equity interests of FLX Holding Corp. (“Flexiti”), which constitutes the entirety of the Company’s Canada point-of-sale lending segment, for a purchase price of approximately C$55 million, subject to an adjustment based on Flexiti’s tangible book value and certain other adjustments (the “Divestiture”). The Disposition closed on August 31, 2023. In connection with the Flexiti Divestiture, Seller has agreed to provide Purchaser with certain transition services for which the Seller will be paid certain variable fees (“Transition Services Agreement”).
FIRST AMENDMENT TO AGREEMENT AND PLAN OF MERGERAgreement and Plan of Merger • July 14th, 2022 • CURO Group Holdings Corp. • Finance services • Delaware
This First Amendment to Agreement and Plan of Merger (this “Amendment”), dated as of July 13, 2022, is entered into among CURO GROUP HOLDINGS CORP., a Delaware corporation (“Parent”), SUGARCANE SUB, LLC, a Delaware limited liability company and wholly owned subsidiary of Parent (“Merger Sub”), and FIRST HERITAGE CREDIT, LLC, a Mississippi limited liability company (the “Company”).
SERVICING AGREEMENTServicing Agreement • May 4th, 2020 • CURO Group Holdings Corp. • Finance services • New York
This SERVICING AGREEMENT (this “Agreement”) is entered into as of April 8, 2020, by and between CURO RECEIVABLES FINANCE II, LLC, a Delaware limited liability company (the “Owner”), and CURO MANAGEMENT, LLC, a Delaware limited liability company, as servicer (the “Servicer”).
LEASE EXTENSION AND AMENDING AGREEMENTLease Extension and Amending Agreement • March 7th, 2022 • CURO Group Holdings Corp. • Finance services
BETWEEN:ANDAND TNC 400 CARLINGVIEW LTD.CASH MONEY CHEQUE CASHING INC.CURO Intermediate Holdings Corp. ("Landlord")("Tenant")("Indemnifier")
CERTAIN IDENTIFIED INFORMATION HAS BEEN OMITTED FROM THIS EXHIBIT BECAUSE IT IS NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN OMITTED.Arrangement Agreement • March 5th, 2021 • CURO Group Holdings Corp. • Finance services • Ontario
(ii)result in or give any Person the right to seek, or to cause the termination, cancellation, or amendment of any Material Contract.
LIMITED GUARANTYLimited Guaranty • May 16th, 2023 • CURO Group Holdings Corp. • Finance services • New York
This LIMITED GUARANTY, dated as of May 12, 2023 (this “Limited Guaranty”), is made by CURO GROUP HOLDINGS CORP. (the “Guarantor”) in favor of MIDTOWN MADISON MANAGEMENT LLC (“Midtown Madison”), as administrative agent for the Lenders (in such capacity, the “Agent”).
AMENDED AND RESTATED INVESTORS RIGHTS AGREEMENTInvestors Rights Agreement • November 28th, 2017 • CURO Group Holdings Corp. • Finance services • Delaware
This AMENDED AND RESTATED INVESTORS RIGHTS AGREEMENT, dated as of [ ], 2017 (this “Agreement”) among (i) CURO Group Holdings Corp. (the “Company”), (ii) Freidman Fleischer & Lowe Capital Partners II, L.P., FFL Executive Partners II, L.P. and FFL Parallel Fund II, L.P. (collectively, the “FFL Entities”), (iii) Chadwick Faulkner (“Faulkner”) (iv) the Faulkner, Chadwick 2014 GRAT (the “Faulkner GRAT”) (v) Exempt Family Trust c/u Chadwick H. Faulkner 2017 Dynasty Trust (the “C. Faulkner Trust”) (vi) Exempt Family Trust c/u/ Leah M. Faulkner 2017 Dynast Trust (together with Faulkner, the Faulkner GRAT and the C. Faulkner Trust, the “Faulkner Parties”), (vii) Rippel Holdings, LLC (“Rippel”), (v) McKnight Holdings, LLC (“McKnight”), (viii) James Ackerman (“Ackerman”), (ix) Nick Adams (“Adams”), (x) Matt Miller (“Miller”) and (xi) the J.P. Genova Family Trust (the “Trust”).
