Senior Secured Note Purchase Agreement Sample Contracts

ENCORE CAPITAL GROUP, INC. 7.75% Senior Secured Notes due September 17, 2017 7.375% Senior Secured Notes due February 10, 2018 AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT February 10, 2011
Senior Secured Note Purchase Agreement • April 27th, 2011 • Encore Capital Group Inc • Short-term business credit institutions • New York

Encore Capital Group, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”), agrees with each of the purchasers whose names appear at the end hereof (each, a “Purchaser” and, collectively, the “Purchasers”) as follows:

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • May 23rd, 2014 • Cosi Inc • Retail-eating places • New York

This Senior Secured Note Purchase Agreement (the “Agreement”) is made as of May ___, 2014 by and among Cosi, Inc., a Delaware corporation (the “Company”), and AB VALUE PARTNERS, L.P., a Delaware limited partnership (“AB Value Partners”), and AB OPPORTUNITY FUND LLC, a Delaware limited liability company (“AB Opportunity Fund”, and together with AB Value Partners, each a “Purchaser” and collectively the “Purchasers”).

EX-4.11 2 dex411.htm SENIOR SECURED NOTE PURCHASE AGREEMENT EXECUTION VERSION SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • May 5th, 2020 • Washington

THIS SENIOR SECURED NOTE PURCHASE AGREEMENT (this “Agreement”), made as of this 3rd day of December, 2004, by and between Platinum Intellectual Property, L.P., a Texas limited partnership with an address at 2828 Routh Street, Suite 500, Dallas, Texas 75201 (the “Company”); and SEATTLE CITY EMPLOYEES’ RETIREMENT SYSTEM, a single-employer defined-benefit public employee retirement system with an address at 801 Third Avenue, Seattle, Washington 98104 (the “Purchaser”).

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • June 3rd, 2022 • TILT Holdings Inc. • Cigarettes • Massachusetts

This Senior Secured Note Purchase Agreement (this “Agreement”), dated as of November 1, 2019, is entered into by and among JIMMY JANG, L.P., a Delaware limited partnership (“Jimmy Jang”), BAKER TECHNOLOGIES, INC., a Delaware corporation (“Baker”), COMMONWEALTH ALTERNATIVE CARE, INC., a Massachusetts corporation (“CAC”), JUPITER RESEARCH, LLC, an Arizona limited liability company (“Jupiter”), and each of the undersigned parties executing this agreement as a Borrower (collectively, with their respective successors and assigns, and together with Jimmy Jang, Baker, CAC and Jupiter, collectively, the “Borrowers” and each a “Borrower”), TILT HOLDINGS INC., a British Columbia corporation (the “Parent”), NR 1, LLC, a Delaware limited liability company, as noteholder representative (the “Note holder Representative”) on behalf of the purchasers (each, individually a “Purchaser,” and collectively, the “Purchasers”) named on the Schedule of Purchasers attached hereto (the “Schedule of Purchasers”)

AMENDMENT NO. 6 Dated as of December 20, 2016 to SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 9, 2013
Senior Secured Note Purchase Agreement • December 27th, 2016 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 6 (“Amendment”) is made as of December 20, 2016 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 9, 2013, between the Company, on the one hand, and the Purchasers named therein, on the other hand (as amended by (a) that certain Amendment No. 1 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 29, 2013, (b) that certain Amendment No. 2 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of February 25, 2014, (c) that certain Amendment No. 3 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of August 1, 2014, (d) that certain Amendment No. 4 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of July 9, 2015, and (e) that certain Amendment No. 5 to Second Amended and R

HCW BIOLOGICS INC. SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • May 15th, 2024 • HCW Biologics Inc. • Pharmaceutical preparations • New York

This Senior Secured Note Purchase Agreement (this “Agreement”) is made as of March 28, 2024 (the “Closing Date”) by and between HCW Biologics Inc., a Delaware corporation (the “Company”), and each of the purchasers listed on Exhibit B attached to this Agreement (each a “Purchaser” and together the “Purchasers”).

AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • February 15th, 2008 • Focus Enhancements Inc • Computer communications equipment • New York

THIS AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT (this “ Agreement “) is made as of February 7, 2008 (“effective date”) by and among Focus Enhancements, Inc., a Delaware corporation (the “ Company “), and Purchasers’ Agent (as defined below), on behalf of each of the “Original Purchasers” set forth in Exhibit A (as defined below), and each “New Purchaser” defined below (as set forth in Exhibit A hereto) of an Amended and Restated Senior Secured Note Due January 1, 2011 (as defined below) (each of the Original Purchasers and the New Purchasers is a “Purchaser” and collectively are referred to herein as the “Purchasers”). Capitalized terms not otherwise defined in this Agreement shall have the meanings ascribed to them in Section 1 below.

8% SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • May 8th, 2006 • Vendingdata Corp • Miscellaneous manufacturing industries • California

This 8% Senior Secured Note Purchase Agreement (this “Agreement”) is dated as of May 1, 2006, by and among VendingData Corporation, a Nevada corporation (the “Company”), and Bricoleur Partners, L.P., Bricoleur Enhanced, L.P., BRIC 6, L.P. and Bricoleur Offshore Ltd. (each, including its successors and assigns, a “Lender” and collectively the “Lenders”).

AMENDMENT NO. 3 TO SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • June 5th, 2024 • Golden Arrow Merger Corp. • Industrial organic chemicals • New York

THIS AMENDMENT NO. 3 TO SENIOR SECURED NOTE PURCHASE AGREEMENT, dated as of May 31, 2024 (this “Amendment”), is by and between BOLT THREADS, INC., a Delaware corporation (the “Company” or “Issuer”), and GINKGO BIOWORKS, INC. (“Ginkgo”), as investor (the “Investor”).

ENCORE CAPITAL GROUP, INC. 7.75% Senior Secured Notes due September 17, 2017 7.375% Senior Secured Notes due February 10, 2018 SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT May 9, 2013
Senior Secured Note Purchase Agreement • May 10th, 2013 • Encore Capital Group Inc • Short-term business credit institutions • New York

Encore Capital Group, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”), agrees with each of the purchasers whose names appear at the end hereof (each, a “Purchaser” and, collectively, the “Purchasers”) as follows:

AMENDMENT NO. 4 Dated as of July 9, 2015 to SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 9, 2013
Senior Secured Note Purchase Agreement • August 10th, 2015 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 4 (“Amendment”) is made as of July 9, 2015 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 9, 2013, between the Company, on the one hand, and the Purchasers named therein, on the other hand (as amended by that certain Amendment No. 1 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 29, 2013, that certain Amendment No. 2 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of February 25, 2014 and that certain Amendment No. 3 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of August 1, 2014, and as the same may be further amended, supplemented or otherwise modified from time to time, the “Note Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respectiv

EXHIBIT 10.4 SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 20, 2004
Senior Secured Note Purchase Agreement • March 22nd, 2005 • PAV Republic, Inc. • Steel works, blast furnaces & rolling mills (coke ovens) • New York
AMENDMENT NO. 2 Dated as of March 30, 2022 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020
Senior Secured Note Purchase Agreement • April 1st, 2022 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 2 (“Amendment”) is made as of March 30, 2022 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Fourth Amended and Restated Senior Secured Note Purchase Agreement, dated as of September 1, 2020, between the Company, on the one hand, and the Purchasers named therein, on the other hand (the “Note Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Note Agreement.

AMENDMENT NO. 1 Dated as of May 8, 2012 to AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of February 10, 2011
Senior Secured Note Purchase Agreement • May 9th, 2012 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 1 (“Amendment”) is made as of May 8, 2012 by and among Encore Capital Group, Inc. (the “Company”), the undersigned holders of Notes (the “Noteholders”) and, solely for purpose of Section 1 of this Amendment, SunTrust Bank (“SunTrust”), as, on and after the Amendment No. 1 Effective Date, collateral agent (the “Collateral Agent”) under that certain Intercreditor Agreement, dated as of September 20, 2010, by and among the Noteholders and JPMorgan Chase Bank, N.A. (“JPMorgan”), as, prior to the Amendment No. 1 Effective Date, collateral agent and administrative agent thereunder and, for purpose of certain provisions thereof, the Company and the other Credit Parties (as amended, supplemented or otherwise modified from time to time, the “Intercreditor Agreement”). Reference is made to that certain Amended and Restated Senior Secured Note Purchase Agreement, dated as of February 10, 2011, between the Company, on the one hand, and the Purchasers named therein, on the other

HCW BIOLOGICS INC. AmendED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • August 14th, 2024 • HCW Biologics Inc. • Pharmaceutical preparations • New York

This Amended and Restated Senior Secured Note Purchase Agreement (this “Agreement”) is made as of July 2, 2024 (the “Closing Date”) by and between HCW Biologics Inc., a Delaware corporation (the “Company”), and each of the purchasers listed on Exhibit B attached to this Agreement (each a “Purchaser” and together the “Purchasers”).

HCW BIOLOGICS INC. SECOND AMENDMENT TO AmendED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT and related agreements
Senior Secured Note Purchase Agreement • August 18th, 2025 • HCW Biologics Inc. • Pharmaceutical preparations

This Second Amendment to Amended and Restated Senior Secured Note Purchase Agreement and Related Agreements (this “Second Amendment”) is made as of April __, 2025 (the “Effective Date”) by and between HCW Biologics Inc., a Delaware corporation (the “Company”), and each of the purchasers listed on Exhibit B attached thereto (each a “Converting Purchaser” and together the “Converting Purchasers”).

AMENDMENT NO. 3 Dated as of August 1, 2014 to SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 9, 2013
Senior Secured Note Purchase Agreement • August 7th, 2014 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 3 (“Amendment”) is made as of August 1, 2014 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 9, 2013, between the Company, on the one hand, and the Purchasers named therein, on the other hand (as amended by that certain Amendment No. 1 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 29, 2013 and that certain Amendment No. 2 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of February 25, 2014, as the same may be further amended, supplemented or otherwise modified from time to time, the “Note Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Note Agreement.

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • September 1st, 2020 • Encore Capital Group Inc • Short-term business credit institutions • New York

Encore Capital Group, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company” or the “Parent”), agrees with each of the holders of 2017 Notes whose names appear at the end hereof (each, a “Purchaser” and, collectively, the “Purchasers”) as follows:

AMENDMENT NO. 2 TO SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • March 5th, 2025 • Roadzen Inc. • Insurance agents, brokers & service • New York

This Amendment No. 2 to the Senior Secured Note Purchase Agreement (this “Amendment”), dated as of February 28, 2025, is entered into by, among others, Roadzen, Inc., a Delaware corporation (the “Issuer”), Roadzen Inc., a British Virgin Islands publicly traded business company formerly known as Vahanna Tech Edge Acquisition I Corp. (“Parent”), each undersigned Subsidiary of the Issuer party to the Existing Note Purchase Agreement (as defined below) as Guarantors (each a “Guarantor” and together with the Issuer, collectively, the “Note Parties” and, each, a “Note Party”), the undersigned Purchasers (collectively, the “Purchasers” and each, a “Purchaser”), and Mizuho Securities USA LLC (“MSUSA”), as administrative agent and collateral agent (collectively in such capacities, the “Agent”).

ENCORE CAPITAL GROUP, INC. 7.75% Senior Secured Notes due September 17, 2017 SENIOR SECURED NOTE PURCHASE AGREEMENT September 20, 2010
Senior Secured Note Purchase Agreement • September 23rd, 2010 • Encore Capital Group Inc • Short-term business credit institutions • New York

Encore Capital Group, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”), agrees with each of the purchasers whose names appear at the end hereof (each, a “Purchaser” and, collectively, the “Purchasers”) as follows:

AMENDMENT NO. 2 TO SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • April 23rd, 2024 • Golden Arrow Merger Corp. • Industrial organic chemicals • New York

THIS AMENDMENT NO. 2 TO SENIOR SECURED NOTE PURCHASE AGREEMENT, dated as of April 3, 2024 (this “Amendment”), is by and between BOLT THREADS, INC., a Delaware corporation (the “Company” or “Issuer”), and GINKGO BIOWORKS, INC. (“Ginkgo”), as investor (the “Investor”).

THIRD AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT August 11, 2017
Senior Secured Note Purchase Agreement • August 17th, 2017 • Encore Capital Group Inc • Short-term business credit institutions • New York
FIRST AMENDMENT TO SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • September 3rd, 2025 • Park Dental Partners, Inc. • Services-misc health & allied services, nec

This First Amendment to Senior Secured Note Purchase Agreement (this “Amendment”) is made and entered into effective as of the 20 day of February, 2009 (the “Effective Date”), by and between PDG, P.A., a Minnesota professional corporation (the “Company”) and Nick Swenson, an individual residing in Minnesota, in his individual capacity , as “Majority in Interest of the Investors,” and as “Secured Agent” on behalf of all “Secured Parties,” as such terms are defined in the Purchase Agreement or Security Agreement defined below (“Swenson’’).

HCW BIOLOGICS INC. FIRST AMENDMENT TO AmendED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • November 14th, 2024 • HCW Biologics Inc. • Pharmaceutical preparations

This First Amendment to Amended and Restated Senior Secured Note Purchase Agreement(this “Amendment”) is made as of September 30, 2024 (the “Effective Date”) by and between HCW Biologics Inc., a Delaware corporation (the “Company”), and each of the purchasers listed on Exhibit B attached thereto (each a “Purchaser” and together the “Purchasers”).

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • November 10th, 2019 • Massachusetts

This Senior Secured Note Purchase Agreement (this “Agreement”), dated as of November 1, 2019, is entered into by and among JIMMY JANG, L.P., a Delaware limited partnership (“Jimmy Jang”), BAKER TECHNOLOGIES, INC., a Delaware corporation (“Bake r”), COMMONWEALTH ALTERNATIVE CARE, INC., a Massachusetts corporation (“CAC”), JUPITER RESEARCH, LLC, an Arizona limited liability company (“Jupiter”), and each of the undersigned parties executing this agreement as a Borrower (collectively, with their respective successors and assigns, and together with Jimmy Jang, Baker, CAC and Jupiter, collectively, the “Borrowers” and each a “Borrower”), TILT HOLDINGS INC., a British Columbia corporation (the “Parent”), NR 1, LLC, a Delaware limited liability company, as noteholder representative (the “Note holder Re prese ntative ”) on behalf of the purchasers (each, individually a “Purchaser,” and collectively, the “Purchasers”) named on the Schedule of Purchasers attached hereto (the “Sche dule of Purchas

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • December 22nd, 2023 • Andretti Acquisition Corp. • Services-prepackaged software • Delaware

This Senior Secured Note Purchase Agreement, dated as of December 15, 2023 (this “Purchase Agreement”), is entered into by and among Zapata Computing, Inc., a Delaware corporation (the “Company”), the Guarantors (used herein as defined in the Security Agreement referred to below) named on the signature pages hereof, the individuals and entities who become parties to this Purchase Agreement by executing and delivering a Senior Secured Note Purchase Agreement Signature Page in the form of Exhibit A hereto (each an “Investor Signature Page”) in accordance with Section 1 hereof (each such party, including each Existing Noteholder (as defined below) exchanging Existing Notes, an “Investor” and, collectively, the “Investors”) and, for purposes of Section 3, Acquiom Agency Services LLC in its capacity as Collateral Agent (as defined below) for the Investors.

SENIOR SECURED NOTE PURCHASE AGREEMENT dated as of June 30, 2023 by, among others, ROADZEN, INC., as Issuer EACH PERSON THAT BECOMES A GUARANTOR PARTY HERETO FROM TIME TO TIME, as Guarantors, THE VARIOUS PURCHASERS FROM TIME TO TIME PARTY HERETO, and...
Senior Secured Note Purchase Agreement • June 30th, 2023 • Vahanna Tech Edge Acquisition I Corp. • Insurance agents, brokers & service • New York

This SENIOR SECURED NOTE PURCHASE AGREEMENT, dated as of June 30, 2023 (as the same may be amended, amended and restated, restated, supplemented or otherwise modified from time to time, this “Agreement”), is entered into by and among ROADZEN, INC., a Delaware corporation (“Issuer”), each Guarantor (as defined below) from time to time party hereto, the Purchasers that hold Notes issued hereunder (the “Purchasers” and each, a “Purchaser”) and MIZUHO SECURITIES USA LLC (“Mizuho”), as administrative agent (in such capacity together with its successors and assigns in such capacity, the “Administrative Agent”) and as collateral agent (in such capacity, Mizuho, together with its successors and assigns in such capacity, the “Collateral Agent,” and together with the Administrative Agent, the “Agents” and each, an “Agent”).

ENCORE CAPITAL GROUP, INC. 7.75% Senior Secured Notes due September 17, 2017 7.375% Senior Secured Notes due February 10, 2018 SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT May 9, 2013
Senior Secured Note Purchase Agreement • August 8th, 2013 • Encore Capital Group Inc • Short-term business credit institutions • New York

Encore Capital Group, Inc., a corporation organized and existing under the laws of the State of Delaware (the “Company”), agrees with each of the purchasers whose names appear at the end hereof (each, a “Purchaser” and, collectively, the “Purchasers”) as follows:

SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • September 3rd, 2025 • Park Dental Partners, Inc. • Services-misc health & allied services, nec • Minnesota

This Note Purchase Agreement, dated as of September 26, 2007, (this “Agreement”) is entered into by and among PDG, P.A., a Minnesota professional association (the “Company”), Nick Swenson, an individual residing in Minnesota (the “Initial Investor”), and any other person or entity who hereafter executes a counterpart signature page (“Counterpart”) to this Agreement in the form of Schedule I as an “Additional Investor” on or prior to the Closing Date (as defined below) (the Initial Investor and Additional Investors are collectively referred to as the “Investors” and, individually, as an “Investor”).

BIOGOLD FUELS CORPORATION SENIOR SECURED NOTE PURCHASE AGREEMENT
Senior Secured Note Purchase Agreement • March 5th, 2008 • Biogold Fuels CORP • Industrial organic chemicals • California

This Senior Secured Note Purchase Agreement (the “Agreement”) is made as of the 3rd day of March, 2008, by and between BioGold Fuels Corporation, a Nevada corporation (the “Company”), and Heritage Holding Group, LLC, a California limited liability company (the “Purchaser”).

Certain identified information has been omitted from this exhibit because it is (i) not material and (ii) of the type that the registrant treats as private or confidential. [***] indicates that information has been omitted. SENIOR SECURED NOTE...
Senior Secured Note Purchase Agreement • April 3rd, 2024 • Zapata Computing Holdings Inc. • Services-prepackaged software • Delaware

This Senior Secured Note Purchase Agreement, dated as of December 15, 2023 (this “Purchase Agreement”), is entered into by and among Zapata Computing, Inc., a Delaware corporation (the “Company”), the Guarantors (used herein as defined in the Security Agreement referred to below) named on the signature pages hereof, the individuals and entities who become parties to this Purchase Agreement by executing and delivering a Senior Secured Note Purchase Agreement Signature Page in the form of Exhibit A hereto (each an “Investor Signature Page”) in accordance with Section 1 hereof (each such party, including each Existing Noteholder (as defined below) exchanging Existing Notes, an “Investor” and, collectively, the “Investors”) and, for purposes of Section 3, Acquiom Agency Services LLC in its capacity as Collateral Agent (as defined below) for the Investors.

EXHIBIT 10.1
Senior Secured Note Purchase Agreement • February 27th, 1998 • American Film Technologies Inc /De/ • Services-allied to motion picture production • California
AMENDMENT NO. 2 Dated as of February 25, 2014 to SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 9, 2013
Senior Secured Note Purchase Agreement • February 25th, 2014 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 2 (“Amendment”) is made as of February 25, 2014 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 9, 2013, between the Company, on the one hand, and the Purchasers named therein, on the other hand (as amended by that certain Amendment No. 1 to Second Amended and Restated Senior Secured Note Purchase Agreement, dated as of May 29, 2013, as the same may be further amended, supplemented or otherwise modified from time to time, the “Note Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Note Agreement.

AMENDMENT NO. 3 Dated as of November 14, 2022 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020
Senior Secured Note Purchase Agreement • February 22nd, 2023 • Encore Capital Group Inc • Short-term business credit institutions • New York

THIS AMENDMENT NO. 3 (“Amendment”) is made as of November 14, 2022 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Fourth Amended and Restated Senior Secured Note Purchase Agreement, dated as of September 1, 2020, between the Company, on the one hand, and the Purchasers named therein, on the other hand (the “Note Agreement”). Capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to them in the Note Agreement.