0001193125-12-270341 Sample Contracts

Nicholas Financial, Inc. Automobile Dealer Retail Agreement
Automobile Dealer Retail Agreement • June 14th, 2012 • Nicholas Financial Inc • Short-term business credit institutions

The undersigned Dealer proposes to sell to the undersigned Nicholas Financial, Inc. (NFI), from time to time, Promissory Notes, Security Agreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as “Contracts”, evidencing installment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood that NFI shall have the sole discretion to determine which Contracts it will purchase from Dealer.

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AMENDMENT NO. 1 TO LOAN AGREEMENT
Loan Agreement • June 14th, 2012 • Nicholas Financial Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT dated as of September 1, 2011 (this “Amendment”), is among NICHOLAS FINANCIAL, INC., a Florida corporation (the “Borrower”), BANK OF AMERICA, N.A., in its capacity as agent (in such capacity, the “Agent”), and each of the Lenders party hereto.

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