0001047469-06-003578 Sample Contracts

FIRST AMENDMENT
Credit Agreement • March 16th, 2006 • Advance America, Cash Advance Centers, Inc. • Personal credit institutions • North Carolina

THIS FIRST AMENDMENT (this "Amendment") dated as of November 29, 2004 is among Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as Administrative Agent.

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THIRD AMENDMENT
Credit Agreement • March 16th, 2006 • Advance America, Cash Advance Centers, Inc. • Personal credit institutions • North Carolina

THIS THIRD AMENDMENT (this "Amendment") dated as of May 11, 2005 to the Credit Agreement referenced below is by and among Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as administrative agent (the "Administrative Agent").

SECOND AMENDMENT
Amendment to Credit Agreement • March 16th, 2006 • Advance America, Cash Advance Centers, Inc. • Personal credit institutions • North Carolina

THIS SECOND AMENDMENT (this "Amendment") dated as of December 31, 2004 is among Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as Administrative Agent.

FOURTH AMENDMENT
Credit Agreement • March 16th, 2006 • Advance America, Cash Advance Centers, Inc. • Personal credit institutions • North Carolina

THIS FOURTH AMENDMENT (this "Amendment") dated as of June 23, 2005 to the Credit Agreement referenced below is by and among Advance America, Cash Advance Centers, Inc., a Delaware corporation (the "Borrower"), the Guarantors identified on the signature pages hereto (the "Guarantors"), the Lenders identified on the signature pages hereto and Bank of America, N.A., as administrative agent (the "Administrative Agent").

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