Encore Capital Group, Inc. Contracts & Agreements

Amendment Letter, dated May 11, 2023, to the Amended and Restated Senior Facilities Agreement, dated March 29, 2022, by and among Encore Capital Group, Inc., the several... (Filed With SEC on May 15, 2023)

Indenture (including form of Note), dated March 3, 2023, by and between Encore Capital Group, Inc. and Truist Bank, as trustee (Filed With SEC on March 3, 2023)

Form of Capped Call Confirmations (Filed With SEC on March 3, 2023)

Form of Unwind Agreements (Filed With SEC on March 3, 2023)

Amendment No. 3 to Fourth Amended and Restated Senior Secured Note Purchase Agreement, dated November 14, 2022, by and among Encore Capital Group, Inc. and the purchasers named... (Filed With SEC on February 22, 2023)

First Supplemental Indenture, dated November 14, 2022, to the Indenture, dated September 24, 2020, by and between Encore Capital Group, Inc., the subsidiary guarantors party... (Filed With SEC on February 22, 2023)

First Supplemental Indenture, dated November 14, 2022, to the Indenture, dated November 23, 2020, by and between Encore Capital Group, Inc., the subsidiary guarantors party... (Filed With SEC on February 22, 2023)

First Supplemental Indenture, dated November 14, 2022, to the Indenture, dated December 21, 2020, by and between Encore Capital Group, Inc., the subsidiary guarantors party... (Filed With SEC on February 22, 2023)

First Supplemental Indenture, dated November 14, 2022, to the Indenture, dated June 1, 2021, by and between Encore Capital Group, Inc., the subsidiary guarantors party thereto,... (Filed With SEC on February 22, 2023)

Amendment Letter, dated November 9, 2022, to the Amended and Restated Senior Facilities Agreement, dated March 29, 2022, by and among Encore Capital Group, Inc., the several... (Filed With SEC on February 22, 2023)

Letter Agreement (Filed With SEC on November 2, 2022)

Non-Employee Director Compensation Program Guidelines, effective June 10, 2022 (Filed With SEC on August 3, 2022)

Encore Capital Group, Inc. Executive Separation Plan (Filed With SEC on February 23, 2022)

Form of Performance Share Unit Award Grant Notice and Award Agreement (ROIC) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Filed With SEC on February 23, 2022)

Senior Facility Agreement, dated November 12, 2021, between Cabot Securitisation UK Limited, Cabot Financial (UK) Limited, HSBC Corporate Trustee Company (UK) Limited as Security... (Filed With SEC on November 17, 2021)

Amendment No. 1 to Fourth Amended and Restated Senior Secured Note Purchase Agreement, dated August 17, 2021, by and among Encore Capital Group, Inc. and the purchasers named... (Filed With SEC on November 3, 2021)

Second Supplemental Indenture, dated October 29, 2020, to the Indenture, dated as of March 11, 2014, by and among Encore Capital Group, Inc., Midland Credit Management, Inc., as... (Filed With SEC on November 2, 2020)

First Supplemental Indenture, dated October 29, 2020, to the Indenture, dated as of March 3, 2017, by and among Encore Capital Group, Inc., Midland Credit Management, Inc., as... (Filed With SEC on November 2, 2020)

Second Supplemental Indenture, dated October 29, 2020, to the Indenture, dated as of July 20, 2018, by and among Encore Capital Europe Finance Limited, Encore Capital Group, Inc.,... (Filed With SEC on November 2, 2020)

First Supplemental Indenture, dated October 29, 2020, to the Indenture, dated as of September 9, 2019, by and among Encore Capital Group, Inc., Midland Credit Management, Inc., as... (Filed With SEC on November 2, 2020)

Non-Employee Director Compensation Program Guidelines, effective June 17, 2020 (Filed With SEC on August 5, 2020)

Executive Service Agreement, dated November 25, 2019, between Cabot UK Holdco Limited and Craig Buick (Filed With SEC on May 11, 2020)

Amendment No.2 to the Third Amended and Restated Senior Secured Note Purchase Agreement, dated December 13, 2019, by and among Encore Capital Group, Inc. and the noteholder... (Filed With SEC on February 26, 2020)

Description of Registrants Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on February 26, 2020)

Form of Performance Share Unit Award Grant Notice and Award Agreement (ROAE) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Filed With SEC on February 26, 2020)

Amendment No. 4 to Third Amended and Restated Credit Agreement, dated December 13, 2019, by and among Encore Capital Group, Inc., the several banks and other financial... (Filed With SEC on February 26, 2020)

Senior Facility Agreement, dated February 18, 2020, between Cabot Securitisation UK Limited, Cabot Financial (UK) Limited, HSBC Corporate Trustee Company (UK) Limited as Security... (Filed With SEC on February 24, 2020)

Transition Agreement, dated November 25, 2019, by and among Cabot Credit Management Limited, Encore Capital Group, Inc. and Kenneth Stannard (Filed With SEC on November 26, 2019)

Indenture (including form of Note), dated September 9, 2019, by and among Encore Capital Group, Inc., Midland Credit Management, Inc., as guarantor, and MUFG Union Bank, N.A., as... (Filed With SEC on September 10, 2019)

Amendment No. 3 to Third Amended and Restated Credit Agreement, dated August 30, 2019, by and among Encore Capital Group, Inc., the several banks and other financial institutions... (Filed With SEC on September 3, 2019)

Amendment No.1 to the Third Amended and Restated Senior Secured Note Purchase Agreement, dated August 30, 2019, by and among Encore Capital Group, Inc. and the noteholder parties... (Filed With SEC on September 3, 2019)

Executive Service Agreement, dated February 10, 2014, between Cabot Credit Management Limited and Kenneth John Stannard (Filed With SEC on May 8, 2019)

Letter Agreement, dated July 23, 2018, between Cabot Credit Management Limited and Kenneth John Stannard (Filed With SEC on May 8, 2019)

Fourth Supplemental Indenture dated July 15, 2016 to Indenture dated as of March 27, 2014 by and among Cabot Financial(Luxembourg) S.A., Cabot Credit Management Limited, Cabot... (Filed With SEC on February 27, 2019)

Supplemental Indenture, dated November 6, 2018, to the Indenture, dated as of June 24, 2013, by and among Encore Capital Group, Inc., Midland Credit Management, Inc., as... (Filed With SEC on November 7, 2018)

Supplemental Indenture, dated November 6, 2018, to the Indenture, dated as of March 11, 2014, by and between Encore Capital Group, Inc., Midland Credit Management, Inc., as... (Filed With SEC on November 7, 2018)

Non-Employee Director Compensation Program Guidelines, effective September 1, 2018 (Filed With SEC on November 7, 2018)

Extension Agreement, dated September 20, 2018, by and among Encore Capital Group, Inc., SunTrust Bank, Bank of America, N.A., DNB Capital, LLC, Fifth Third Bank, Western Alliance... (Filed With SEC on November 7, 2018)

Incremental Facility Agreement, dated September 20, 2018, by and among Encore Capital Group, Inc., SunTrust Bank, ING Capital LLC, MUFG Union Bank, N.A., Flagstar Bank, CIBC Bank... (Filed With SEC on November 7, 2018)

Amendment dated October 4, 2018 to that Senior Facility Agreement, dated August 23, 2017, between Cabot Securitisation UK Limited, Cabot Financial (UK) Limited, HSBC Corporate... (Filed With SEC on November 7, 2018)

Equity Distribution Agreement, dated August 27, 2018, by and among Encore Capital Group, Inc., Credit Suisse Securities (USA) LLC and SunTrust Robinson Humphrey, Inc (Filed With SEC on August 27, 2018)

Extension Agreement, dated May 29, 2018, by and among Encore Capital Group, Inc., Fifth Third Bank, Suntrust Bank, and each of the guarantors party thereto (Filed With SEC on August 8, 2018)

First Amendment, dated May 10, 2018, to the Purchase Agreement, dated May 7, 2018, by and among Encore Capital Group, Inc., Janus Holdings Luxembourg S. r.l, certain management... (Filed With SEC on August 8, 2018)

Transition Letter, dated as of August 8, 2018, by and between Encore Capital Group, Inc and Paul Grinberg (Filed With SEC on August 8, 2018)

Underwriting Agreement, dated July 17, 2018, among Encore Capital Europe Finance Limited, Encore Capital Group, Inc., SunTrust Robinson Humphrey, Inc. and Credit Suisse Securities... (Filed With SEC on July 20, 2018)

Indenture, dated July 20, 2018, between Encore Capital Europe Finance Limited and MUFG Union Bank, N.A (Filed With SEC on July 20, 2018)

Supplemental Indenture, dated July 20, 2018, among Encore Capital Europe Finance Limited, Encore Capital Group, Inc. and MUFG Union Bank, N.A (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 17, 2018, between Bank of Montreal and Encore Capital Group, Inc. regarding the Base Capped Call Transaction (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 17, 2018, between Credit Suisse International and Encore Capital Group, Inc. regarding the Base Capped Call Transaction (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 17, 2018, between Bank of America, N.A. and Encore Capital Group, Inc. regarding the Base Capped Call Transaction (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 19, 2018, between Bank of Montreal and Encore Capital Group, Inc. regarding the Additional Capped Call Transaction (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 19, 2018, between Credit Suisse International and Encore Capital Group, Inc. regarding the Additional Capped Call Transaction (Filed With SEC on July 20, 2018)

Letter Agreement, dated July 19, 2018, between Bank of America, N.A. and Encore Capital Group, Inc. regarding the Additional Capped Call Transaction (Filed With SEC on July 20, 2018)

Fifth Supplemental Indenture dated July 11, 2018 to Indenture dated as of March 27, 2014 (Filed With SEC on July 13, 2018)

Seventh Supplemental Indenture dated July 12, 2018 to Indenture dated as of August 2, 2013 (Filed With SEC on July 13, 2018)

Incremental Facility Agreement, dated March 21, 2018, by and among Encore Capital Group, Inc., Banc of California, SunTrust Bank and each of the guarantors, party thereto (Filed With SEC on May 8, 2018)

Purchase Agreement, dated May 7, 2018, by and among Encore Capital Group, Inc., JCF III Europe Holdings LP, JCF III Europe S. r.l., Janus Holdings Luxembourg S. r.l and the other... (Filed With SEC on May 8, 2018)

Purchase Agreement, dated May 7, 2018, by and among Encore Capital Group, Inc., Janus Holdings Luxembourg S. r.l, certain management shareholders of Cabot Holdings S. r.l.... (Filed With SEC on May 8, 2018)

Form of Performance Stock Unit Grant Notice and Award Agreement (EPS) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Executive Separation Plan Participant) (Filed With SEC on March 15, 2018)

Form of Performance Stock Unit Grant Notice and Award Agreement (EPS) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Filed With SEC on March 15, 2018)

Form of Performance Stock Unit Grant Notice and Award Agreement (TSR) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Executive Separation Plan Participant) (Filed With SEC on March 15, 2018)

Form of Performance Stock Unit Grant Notice and Award Agreement (TSR) under the Encore Capital Group, Inc. 2017 Incentive Award Plan (Filed With SEC on March 15, 2018)

Non-Employee Director Compensation Program Guidelines, effective January 1, 2018 (Filed With SEC on February 21, 2018)

Letter Agreement, dated August 3, 2017, related to the Third Amended and Restated Credit Agreement dated as of December 20, 2016 (Filed With SEC on November 2, 2017)

Amendment No. 2, dated August 11, 2017, to Second Amended and Restated Pledge and Security Agreement, dated November 5, 2012, by and among Encore Capital Group, Inc., certain of... (Filed With SEC on November 2, 2017)

Incremental Facility Agreement, dated August 15, 2017, by and among Encore Capital Group, Inc., DNB Capital, LLC, SunTrust Bank, and each of the guarantors, party thereto (Filed With SEC on November 2, 2017)

Incremental Facility Agreement, dated September 26, 2017, by and among Encore Capital Group, Inc., Regions Bank, SunTrust Bank, and each of the guarantors, party thereto (Filed With SEC on November 2, 2017)

AMENDMENT NO. 1 TO THIRD AMENDED AND RESTATED CREDIT AGREEMENT (Filed With SEC on August 3, 2017)

AMENDMENT NO. 2 TO THIRD AMENDED AND RESTATED CREDIT AGREEMENT (Filed With SEC on August 3, 2017)

[ENCORE CAPITAL GROUP, INC. LETTERHEAD] (Filed With SEC on June 20, 2017)

ENCORE CAPITAL GROUP, INC. 2017 INCENTIVE AWARD PLAN (Filed With SEC on June 20, 2017)

ENCORE CAPITAL GROUP, INC. 2017 INCENTIVE AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE (Filed With SEC on June 20, 2017)

ENCORE CAPITAL GROUP, INC. 2017 INCENTIVE AWARD PLAN RESTRICTED STOCK GRANT NOTICE (Filed With SEC on June 20, 2017)

ENCORE CAPITAL GROUP, INC. 2017 INCENTIVE AWARD PLAN STOCK OPTION GRANT NOTICE (Filed With SEC on June 20, 2017)

INCREMENTAL TERM LOAN AND EXTENSION AGREEMENT (Filed With SEC on May 4, 2017)

INCREMENTAL FACILITY AGREEMENT (Filed With SEC on May 4, 2017)

ENCORE CAPITAL GROUP, INC. asIssuer MIDLAND CREDIT MANAGEMENT, INC. as Guarantor and MUFG UNION BANK, N.A., asTrustee INDENTURE Datedas of March 3, 2017 3.25% Convertible Senior... (Filed With SEC on March 3, 2017)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE - EXECUTIVE (2013 INCENTIVE COMPENSATION PLAN) RETENTION - UMBRELLA (Filed With SEC on February 23, 2017)

ENCORE CAPITAL GROUP, INC. RESTRICTED CASH AWARD NOTICE (2013 INCENTIVE COMPENSATION PLAN) (RETENTION - UMBRELLA) (Filed With SEC on February 23, 2017)

[SIGNATURE PAGE FOLLOWS] (Filed With SEC on February 23, 2017)

PERFORMANCE NON-QUALIFIED STOCK OPTION AGREEMENT Under ENCORE CAPITAL GROUP, INC. 2013 INCENTIVE COMPENSATION PLAN Shares of Common Stock (Filed With SEC on February 23, 2017)

FIRST AMENDMENT TO THE ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR DEFERRED STOCK COMPENSATION PLAN (Filed With SEC on November 9, 2016)

ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM GUIDELINES Approved by the Board of Directors on April 21, 2016 and adopted effective as of June 1, 2016... (Filed With SEC on August 4, 2016)

ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR DEFERRED STOCK COMPENSATION PLAN (Filed With SEC on August 4, 2016)

ENCORE CAPITAL GROUP, INC. 3111 Camino Del Rio North, Suite 103 San Diego, California 92108 (Filed With SEC on May 10, 2016)

ENCORE CAPITAL GROUP, INC. PERFORMANCE STOCK GRANT NOTICE - EXECUTIVE (RELATIVE TOTAL SHAREHOLDER RETURN) (2013 INCENTIVE COMPENSATION PLAN) (Filed With SEC on May 10, 2016)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2013 INCENTIVE COMPENSATION PLAN) (EXECUTIVE SUBJECT TO THE UMBRELLA PLAN) (Filed With SEC on May 10, 2016)

ENCORE CAPITAL GROUP, INC. PERFORMANCE STOCK GRANT NOTICE - EXECUTIVE (ADJUSTED EARNINGS PER SHARE) (2013 INCENTIVE COMPENSATION PLAN) (Filed With SEC on May 10, 2016)

AMENDMENT NO. 3 TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT, LIMITED WAIVER AND LIMITED RELEASE (Filed With SEC on May 10, 2016)

AMENDMENT NO. 5 Dated as of March 24, 2016 to SECOND AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of May 9, 2013 (Filed With SEC on May 10, 2016)

SECURITIES PURCHASE AGREEMENT BY AND AMONG THE ENTITIES LISTED IN SCHEDULE 1 ATTACHED HERETO (COLLECTIVELY, PURCHASER), ENCORE CAPITAL GROUP, INC. (SELLER), AND THE TRANSFERRING... (Filed With SEC on February 24, 2016)

WITNESSETH: (Filed With SEC on February 24, 2016)

INCREMENTAL FACILITY AGREEMENT (Filed With SEC on February 24, 2016)

AMENDMENT NO. 3 TO TAX LIEN LOAN AND SECURITY AGREEMENT (Filed With SEC on November 5, 2015)

AMENDMENT NO. 1 TO LIMITED GUARANTEE (Filed With SEC on August 10, 2015)

AMENDMENT NO. 2 TO TAX LIEN LOAN AND SECURITY AGREEMENT (Filed With SEC on August 10, 2015)

Exhibit 10.1 (Filed With SEC on November 6, 2014)

ENCORE CAPITAL GROUP, INC. EXECUTIVE SEPARATION PLAN As Adopted Effective November 4, 2014 (Filed With SEC on November 6, 2014)

STOCK PURCHASE AGREEMENT BY AND AMONG ENCORE CAPITAL GROUP, INC. (AS ENCORE), THE SELLERS PARTY HERETO, (COLLECTIVELY, AS THE SELLERS), ATLANTIC CREDIT & FINANCE, INC. (AS THE... (Filed With SEC on August 7, 2014)

Dated March 14, 2014 FIRST SUPPLEMENTAL INDENTURE to INDENTURE DATED AS OF AUGUST 2, 2013 in respect of 100,000,000 8.375% SENIOR SECURED NOTES DUE 2020 among CABOT FINANCIAL... (Filed With SEC on August 7, 2014)

AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT (Filed With SEC on August 7, 2014)

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 (Filed With SEC on August 7, 2014)

Dated May 19, 2014 THIRD SUPPLEMENTAL INDENTURE to INDENTURE DATED AS OF SEPTEMBER 20, 2012 in respect of 265,000,000 10.375% SENIOR SECURED NOTES DUE 2019 among CABOT FINANCIAL... (Filed With SEC on May 20, 2014)

Dated May 19, 2014 SECOND SUPPLEMENTAL INDENTURE to INDENTURE DATED AS OF AUGUST 2, 2013 in respect of 100,000,000 8.375% SENIOR SECURED NOTES DUE 2020 among CABOT FINANCIAL... (Filed With SEC on May 20, 2014)

Dated May 19, 2014 THIRD SUPPLEMENTAL INDENTURE TO THE INDENTURE DATED AS OF JULY 25, 2013 in respect of 150,000,000 10.5% SENIOR SECURED NOTES DUE 2020 between MARLIN... (Filed With SEC on May 20, 2014)

Dated March 14, 2014 SECOND SUPPLEMENTAL INDENTURE to INDENTURE DATED AS OF SEPTEMBER 20, 2012 in respect of 265,000,000 10.375% SENIOR SECURED NOTES DUE 2019 among CABOT... (Filed With SEC on May 8, 2014)

Dated March 14, 2014 SECOND SUPPLEMENTAL INDENTURE to INDENTURE DATED AS OF JULY 25, 2013 in respect of 150,000,000 10.5% SENIOR SECURED NOTES DUE 2020 among MARLIN INTERMEDIATE... (Filed With SEC on May 8, 2014)

PFS TAX LIEN TRUST 2014-1, as Issuer and Citibank, N.A., as Indenture Trustee ______________ INDENTURE Dated as of May 6, 2014 ______________ TABLE OF CONTENTS (Filed With SEC on May 8, 2014)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2013 INCENTIVE COMPENSATION PLAN) (Filed With SEC on May 8, 2014)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2005 STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on May 8, 2014)

ENCORE CAPITAL GROUP, INC. PERFORMANCE STOCK GRANT NOTICE (2005 STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on May 8, 2014)

AMENDMENT NO. 1 TO TAX LIEN LOAN AND SECURITY AGREEMENT (Filed With SEC on May 8, 2014)

ENCORE CAPITAL GROUP, INC. (Issuer) MIDLAND CREDITMANAGEMENT, INC. (Guarantor) and UNION BANK, N.A., as Trustee INDENTURE Dated as of March 11, 2014 2.875% Convertible Senior... (Filed With SEC on March 11, 2014)

MARLIN INTERMEDIATE HOLDINGS PLC, as Issuer MARLIN FINANCIAL GROUP LIMITED, as MFG and as a Guarantor MARLIN FINANCIAL INTERMEDIATE LIMITED, as MFI and as a Guarantor MARLIN... (Filed With SEC on February 25, 2014)

Dated February 19, 2014 FIRST SUPPLEMENTAL INDENTURE TO THE INDENTURE DATED AS OF JULY 25, 2013 £150,000,000 10.5% SENIOR SECURED NOTES DUE 2020 between MARLIN INTERMEDIATE... (Filed With SEC on February 25, 2014)

TABLE OF CONTENTS (Filed With SEC on February 25, 2014)

AMENDMENT NO. 2 Dated as ofDecember 27, 2013 to CREDIT FACILITY LOAN AGREEMENT Dated as of May 8, 2012 (Filed With SEC on January 2, 2014)

CABOT FINANCIAL (LUXEMBOURG) S.A., as Issuer CABOT CREDIT MANAGEMENTLIMITED, as CCM and as a Guarantor CABOT FINANCIAL LIMITED, as theCompany and as a Guarantor THE SUBSIDIARY... (Filed With SEC on November 7, 2013)

FIRST SUPPLEMENTAL INDENTURE Dated as of June 13, 2013 to the INDENTURE Dated as of September 20, 2012 between CABOT FINANCIAL(LUXEMBOURG) S.A., as Issuer and CITIBANK N.A.,... (Filed With SEC on November 7, 2013)

AMENDMENT NO. 1 Dated as of February 7, 2013 to CREDITFACILITY LOAN AGREEMENT Dated as of May 8, 2012 (Filed With SEC on August 8, 2013)

CABOT FINANCIAL (LUXEMBOURG)S.A., as Issuer CABOT CREDIT MANAGEMENT LIMITED, as CCM and as a Guarantor CABOT FINANCIAL LIMITED, as the Company and as a Guarantor THE SUBSIDIARY... (Filed With SEC on August 6, 2013)

ENCORE CAPITAL GROUP, INC. (Issuer) MIDLAND CREDIT MANAGEMENT, INC. (Guarantor) and UNION BANK, N.A., as Trustee INDENTURE Dated as of June 24, 2013 3.00% Convertible Senior Notes... (Filed With SEC on June 24, 2013)

TAX LIEN LOAN AND SECURITY AGREEMENT Dated as of May 15, 2013 by and among PFS FINANCIAL 1, LLC, as a Borrower, PFS FINANCE HOLDINGS, LLC, as the Borrower Representative, THE... (Filed With SEC on May 20, 2013)

AMENDMENT NO. 1 AND LIMITED WAIVER TO AMENDED AND RESTATED CREDIT AGREEMENT (Filed With SEC on May 10, 2013)

ENCORE CAPITAL GROUP, INC. $50,000,000 7.75% Senior Secured Notes due September 17, 2017 $25,000,000 7.375% Senior Secured Notes due February 10, 2018 SECOND AMENDEDAND RESTATED... (Filed With SEC on May 10, 2013)

[Encore Capital Group, Inc. letterhead] April 8, 2013 (Filed With SEC on April 9, 2013)

AGREEMENT AND PLAN OF MERGER Dated as of March 6, 2013 by and among ENCORE CAPITAL GROUP, INC., PINNACLE SUB, INC. and ASSET ACCEPTANCE CAPITAL CORP. TABLE OF CONTENTS (Filed With SEC on March 6, 2013)

EXECUTION VERSION VOTING AGREEMENT (Filed With SEC on March 6, 2013)

GENERAL RELEASE AND WAIVER OF CLAIMS (Filed With SEC on January 15, 2013)

INCREMENTAL FACILITY AGREEMENT BARCLAYS BANK PLC 745 7THAvenue New York, New York 10019 December 6, 2012 (Filed With SEC on December 12, 2012)

ENCORE CAPITAL GROUP, INC. and UNION BANK, N.A., as Trustee INDENTURE Datedas of November 27, 2012 3.00% Convertible Senior Notes due 2017 TABLE OF CONTENTS (Filed With SEC on December 3, 2012)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2005 STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on November 1, 2012)

NON-INCENTIVE STOCK OPTION AGREEMENT Under ENCORE CAPITAL GROUP, INC. 2005 STOCK INCENTIVE PLAN [ ] Shares of Common Stock (Filed With SEC on November 1, 2012)

1,213,799 Shares Encore Capital Group, Inc. Common Stock, par value $0.01 per share UNDERWRITING AGREEMENT dated August 8, 2012 JMP Securities LLC (Filed With SEC on August 8, 2012)

SECURITIES PURCHASE AGREEMENT BY AND AMONG PROPEL ACQUISITION LLC (ENCORE) AND MCCOMBSFAMILY PARTNERS, LTD., JHBC HOLDINGS, LLC AND TEXAS TAX LOANS, LLC (COLLECTIVELY, THE... (Filed With SEC on May 9, 2012)

AMENDMENT NO. 1 Dated as of May 8, 2012 to AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of February 10, 2011 (Filed With SEC on May 9, 2012)

AMENDMENT NO. 5 Dated as of May 8, 2012 to CREDIT AGREEMENT Dated as of February 8, 2010 (Filed With SEC on May 9, 2012)

CREDIT FACILITY LOAN AGREEMENT among TEXAS CAPITAL BANK, NATIONAL ASSOCIATION, AS ADMINISTRATIVE AGENT, CERTAIN BANKS and PROPEL FINANCIAL SERVICES, LLC $160,000,000.00 REVOLVING... (Filed With SEC on May 9, 2012)

GUARANTY AGREEMENT (Filed With SEC on May 9, 2012)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2005 STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on May 9, 2012)

AMENDMENT NO. 4 Dated as of April 10, 2012 to CREDIT AGREEMENT Dated as of February 8, 2010 (Filed With SEC on April 16, 2012)

OFFICE LEASE by and between TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA FOR THE BENEFIT OF ITS REAL ESTATE ACCOUNT, a New York corporation (Landlord) And MIDLAND CREDIT... (Filed With SEC on February 9, 2012)

LEASE GUARANTY (Filed With SEC on February 9, 2012)

AMENDMENT TO LEASE AGREEMENT (Filed With SEC on February 9, 2012)

3,610,000 Shares Encore Capital Group, Inc. Common Stock, par value $0.01 per share UNDERWRITING AGREEMENT Dated November 3, 2011 Morgan Stanley & Co. LLC (Filed With SEC on November 3, 2011)

2,454,734 Shares Encore Capital Group, Inc. Common Stock, par value $0.01 per share UNDERWRITING AGREEMENT dated March 1, 2011 JMP SECURITIES LLC (Filed With SEC on March 1, 2011)

ENCORE CAPITAL GROUP, INC. $50,000,000 7.75% Senior Secured Notes due September 17, 2017 SENIOR SECUREDNOTE PURCHASE AGREEMENT September 20, 2010 (Filed With SEC on October 25, 2010)

EXHIBIT A [FORM OF NOTE] ENCORE CAPITAL GROUP, INC. 7.75% SENIOR SECURED NOTE DUE SEPTEMBER 17,2017 (Filed With SEC on October 25, 2010)

ENCORE CAPITAL GROUP, INC. $50,000,000 7.75% Senior Secured Notes due September 17, 2017 SENIOR SECURED NOTE PURCHASE AGREEMENT September 20, 2010 (Filed With SEC on September 23, 2010)

EXHIBIT A [FORM OF NOTE] ENCORE CAPITAL GROUP, INC. 7.75% SENIOR SECURED NOTE DUE SEPTEMBER 17, 2017 (Filed With SEC on September 23, 2010)

AMENDMENT NO. 1 Dated as of September 20, 2010 to CREDITAGREEMENT Dated as of February 8, 2010 (Filed With SEC on September 23, 2010)

AMENDMENT NO. 2 Dated as of September 21, 2010 to CREDITAGREEMENT Dated as of February 8, 2010 (Filed With SEC on September 23, 2010)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK GRANT NOTICE (2005 STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on June 17, 2010)

SUBLEASE (Filed With SEC on February 8, 2010)

ASSIGNMENT AND (Filed With SEC on February 8, 2010)

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 (Filed With SEC on February 8, 2010)

PLEDGE AND SECURITY AGREEMENT (Filed With SEC on February 8, 2010)

GUARANTY (Filed With SEC on February 8, 2010)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK UNIT GRANT NOTICE (2005STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on July 30, 2009)

NON-INCENTIVE STOCK OPTION AGREEMENT Under (Filed With SEC on July 30, 2009)

ENCORE CAPITAL GROUP, INC. 2005 STOCK INCENTIVE PLAN (Filed With SEC on June 15, 2009)

LEASE AGREEMENT (Filed With SEC on April 29, 2009)

LEASE DEED (Filed With SEC on April 29, 2009)

THE EXECUTIVE NONQUALIFIED EXCESS PLAN PLAN DOCUMENT THE EXECUTIVE NONQUALIFIED EXCESS PLAN (Filed With SEC on February 11, 2009)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK UNIT GRANT NOTICE (2005STOCK INCENTIVE PLAN, AS AMENDED) (Filed With SEC on October 28, 2008)

LEASE DEED (Filed With SEC on August 4, 2008)

SUBLEASE (Filed With SEC on August 4, 2008)

MULTI-TENANT NET COMMERCIAL LEASE (Filed With SEC on August 4, 2008)

AMENDMENT NO. 8 Dated as of July 3, 2008 to (Filed With SEC on July 7, 2008)

AMENDMENT NO. 7 Dated as of May 9, 2008 to (Filed With SEC on July 7, 2008)

AMENDMENT NO. 6 Dated as of December 27, 2007 to CREDIT AGREEMENT Dated as of June 7, 2005 (Filed With SEC on December 27, 2007)

EXHIBIT A GENERAL RELEASE AND WAIVER OF CLAIMS (Filed With SEC on November 19, 2007)

AMENDMENT NO. 5 Dated as of October 19, 2007 to (Filed With SEC on October 22, 2007)

ENCORE CAPITAL GROUP, INC. 2005 STOCK INCENTIVE PLAN (Filed With SEC on August 29, 2007)

CONSENT AND AMENDMENT NO. 4 Dated as of May 7, 2007 (Filed With SEC on May 8, 2007)

EXECUTIVE RETIREMENT AGREEMENT AND RELEASE OF CLAIMS (Filed With SEC on March 30, 2007)

AMENDMENT NO. 3 Dated as of February 27, 2007 to CREDIT AGREEMENT Dated as of June 7, 2005 (Filed With SEC on February 28, 2007)

AMENDMENT ONE TO EMPLOYMENT LETTER (Filed With SEC on June 9, 2006)

AMENDMENT ONE TO SEVERANCE LETTER (Filed With SEC on June 9, 2006)

CHANGE IN CONTROL SEVERANCE AND RETENTION AGREEMENT (Filed With SEC on June 9, 2006)

AMENDMENT NO. 2 Dated as of May 3, 2006 to (Filed With SEC on May 9, 2006)

INDEMNIFICATION AGREEMENT (Filed With SEC on May 4, 2006)

AMENDMENT To NON-INCENTIVE STOCK OPTION AGREEMENT Under ENCORE CAPITAL GROUP, INC. 1999 EQUITY PARTICIPATION PLAN (Filed With SEC on May 4, 2006)

SAMPLE ENDORSEMENT METHOD SPLIT-DOLLAR INSURANCE AGREEMENT (Filed With SEC on May 4, 2006)

ENCORE CAPITAL GROUP, INC. RESTRICTED STOCK UNIT GRANT NOTICE (2005STOCK INCENTIVE PLAN) (Filed With SEC on May 4, 2006)

SUBLEASE (Filed With SEC on March 14, 2006)

Encore Capital Group, Inc. 3.375% Convertible Senior Notes Due 2010 Registration Rights Agreement September 19, 2005 (Filed With SEC on September 22, 2005)

ENCORE CAPITAL GROUP, INC. as Issuer (Filed With SEC on September 22, 2005)

FACE OF NOTE (Filed With SEC on September 22, 2005)

Encore Capital Group, Inc. 3.375% Convertible Senior Notes due September 19, 2010 Purchase Agreement (Filed With SEC on September 19, 2005)

ASSET PURCHASE AGREEMENT (Filed With SEC on September 2, 2005)

Prospectus Summary (Filed With SEC on September 26, 2003)

Equity Investment and Reduction of Outstanding Debt (Filed With SEC on February 25, 2002)

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