INCREMENTAL FACILITY AGREEMENT BARCLAYS BANK PLC New York, New York 10019 December 6, 2012Incremental Facility Agreement • December 12th, 2012 • Encore Capital Group Inc • Short-term business credit institutions • New York
Reference is hereby made to the Amended and Restated Credit Agreement, dated as of November 5, 2012 (as may be further amended, restated, modified, supplemented, extended or replaced from time to time, the “Credit Agreement”), by and among Encore Capital Group, Inc. (“Borrower”), the several banks and other financial institutions and lenders from time to time party thereto (the “Lenders”), SunTrust Bank, as administrative agent (in such capacity, the “Administrative Agent”) and collateral agent, issuing bank and swingline lender. Unless otherwise defined herein, capitalized terms used herein shall have the respective meanings set forth in the Credit Agreement. This Incremental Facility Agreement (i) is an “Incremental Facility Amendment” (as defined in the Credit Agreement) and the Credit Agreement is hereby amended in accordance with the terms and conditions herein and (ii) shall be deemed to be a “Loan Document” under the Credit Agreement.
