THIRD AMENDMENT TO
SECOND AMENDED AND RESTATED CREDIT AGREEMENT
This THIRD AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT
AGREEMENT (this “ Amendment ”) is made and entered into as of this 18th day of February, 2009, by and
among GOLDLEAF FINANCIAL SOLUTIONS, INC. , a Tennessee corporation, as borrower (the “
Borrower ”), BANK OF AMERICA, N.A. , a national banking association, as a lender (“ Bank of America” ),
THE PEOPLES BANK , as a lender (“ Peoples Bank ”) and WACHOVIA BANK, N.A. , as a lender (“
Wachovia ”) (collectively, with Bank of America and Peoples Bank, the “ Lenders ”).
W I T N E S S E T H:
WHEREAS , the Borrower and certain Lenders are parties to that certain Second Amended and
Restated Credit Agreement, dated as of November 30, 2006, as amended by that certain First Amendment
dated as of January 17, 2008 and by that certain Second Amendment dated as of December 24, 2008 (as so
amended, and as may be further amended, restated, supplemented or otherwise modified from time to time, the “
Credit Agreement ”), pursuant to which certain Lenders extended certain financial accommodations to the
WHEREAS , the Borrower has requested that the Lenders amend certain provisions of the Credit
Agreement as more fully set forth herein.
NOW, THEREFORE , in consideration of the premises, the terms and conditions contained herein, and
other good and valuable consideration, the receipt, adequacy and sufficiency of which are hereby acknowledged,
the parties hereto hereby agree as follows:
1. Definitions. All capitalized terms used herein and not expressly defined herein shall have the
same respective meanings given to such terms in the Credit Agreement.
2. Amendments to Credit Agreement . Section 1.1 of the Credit Agreement is hereby
amended by deleting the first sentence in the definition of “EBITDA” in its entirety and replacing it with the
“‘ EBITDA ’ means, with respect to