GUARANTYGuaranty • February 8th, 2010 • Encore Capital Group Inc • Short-term business credit institutions • New York
THIS GUARANTY (as the same may be amended, restated, supplemented or otherwise modified from time to time, this “Guaranty”) is made as of February 8, 2010, by each of the Subsidiaries of Encore Capital Group, Inc. listed on the signature pages hereto (each an “Initial Guarantor”, and together with any additional Domestic Subsidiaries which become parties to this Guaranty by executing a Supplement hereto in the form attached hereto as Annex I, the “Guarantors”), in favor of JPMORGAN CHASE BANK, N.A., as Administrative Agent (the “Administrative Agent”) for the benefit of the Holders of Secured Obligations under the Credit Agreement described below. Each capitalized term used herein and not defined herein shall have the meaning ascribed thereto in the Credit Agreement described below.
CREDIT AGREEMENT DATED AS OF FEBRUARY 8, 2010 AMONG ENCORE CAPITAL GROUP, INC. THE LENDERS FROM TIME TO TIME PARTIES HERETO JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT AS JOINT LEAD ARRANGERS AND JOINT BOOK RUNNERSCredit Agreement • February 8th, 2010 • Encore Capital Group Inc • Short-term business credit institutions • New York
This Credit Agreement, dated as of February 8, 2010, is entered into by and among Encore Capital Group, Inc., a Delaware corporation, the Lenders, the LC Issuer and JPMorgan Chase Bank, N.A., a national banking association, as Administrative Agent. The parties hereto agree as follows:
PLEDGE AND SECURITY AGREEMENTPledge and Security Agreement • February 8th, 2010 • Encore Capital Group Inc • Short-term business credit institutions • New York
THIS PLEDGE AND SECURITY AGREEMENT (this “Security Agreement”) is entered into as of February 8, 2010 by and among ENCORE CAPITAL GROUP, INC., a Delaware corporation (the “Borrower”), the Subsidiaries of the Borrower listed on the signature pages hereto (together with the Borrower, the “Initial Grantors” and together with any additional Domestic Subsidiaries, whether now existing or hereafter formed which become parties to this Security Agreement by executing a Supplement hereto in substantially the form of Annex I, the “Grantors”), and JPMORGAN CHASE BANK, N.A., in its capacity as administrative agent (the “Administrative Agent”) for the lenders party to the Credit Agreement referred to below (collectively, the “Lenders”).
