0001193125-13-259413 Sample Contracts

EMPLOYMENT AGREEMENT As Amended and Restated
Employment Agreement • June 14th, 2013 • Nicholas Financial Inc • Short-term business credit institutions • Florida

THIS AGREEMENT is amended and restated as of the 3rd day of July, 2012 (as amended and restated, this “Agreement”), by NICHOLAS FINANCIAL, INC., a British Columbia, Canada corporation (the “Company”), and RALPH T. FINKENBRINK (the “Employee”).

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AMENDMENT NO.2 TO LOAN AGREEMENT
Loan Agreement • June 14th, 2013 • Nicholas Financial Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO.2 TO SECOND AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT dated as of December 21, 2012 (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.

NICHOLAS FINANCIAL, INC. Automobile Dealer Retail Agreement
Automobile Dealer Retail Agreement • June 14th, 2013 • 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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