Common Contracts

JPMorgan Chase Bank, National Association

Encore Capital Group Inc • October 6th, 2005 • Short-term business credit institutions • New York

• Company
  Encore Capital Group Inc
• Filed
  October 6th, 2005
• Industry
  Short-term business credit institutions
• Jurisdiction
  New York

The purpose of this letter agreement is to confirm the terms and conditions of the Warrants issued by Encore Capital Group, Inc., a Delaware corporation (the “Company”), to JPMorgan Chase Bank, N.A., London Branch (“JPMorgan”), on the Trade Date specified below (the “Transaction”). This letter agreement constitutes a “Confirmation” as referred to in the ISDA Master Agreement specified below. This Confirmation shall replace any previous letter and serve as the final documentation for this Transaction.

JPMorgan Chase Bank, National Association London EC4Y 0JP England September 13, 2005 To: Encore Capital Group, Inc. San Diego, CA 92123 Attention: Paul Grinberg Telephone No.: (858) 309-6957 Facsimile No.: (858) 309-6977 Re: Warrants Reference:

Encore Capital Group Inc • September 22nd, 2005 • Short-term business credit institutions • New York

• Company
  Encore Capital Group Inc
• Filed
  September 22nd, 2005
• Industry
  Short-term business credit institutions
• Jurisdiction
  New York

The purpose of this letter agreement is to confirm the terms and conditions of the Warrants issued by Encore Capital Group, Inc., a Delaware corporation (the “Company”), to JPMorgan Chase Bank, National Association, London Branch (“JPMorgan”), on the Trade Date specified below (the “Transaction”). This letter agreement constitutes a “Confirmation” as referred to in the ISDA Master Agreement specified below. This Confirmation shall replace any previous letter and serve as the final documentation for this Transaction.