[GRAPHIC]
Financial Innovators
Rediscount Finance
SCHEDULE TO
SECOND AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT
BORROWER: THE THAXTON GROUP, INC.
THAXTON OPERATING COMPANY
THAXTON INSURANCE GROUP, INC.
TICO CREDIT COMPANY, INC.
EAGLE PREMIUM FINANCE CO, INC.
THAXTON COMMERCIAL LENDING, INC.
PARAGON LENDING, INC.
ADDRESS: 1524 PAGELAND HIGHWAY
LANCASTER, SOUTH CAROLINA 29721
DATE: AUGUST 30, 1999
This Schedule to Second Amended and Restated Loan and Security
Agreement ("Schedule") is executed in conjunction with a certain Second Amended
and Restated Loan and Security Agreement ("Agreement"), dated of even date
herewith, by and between FINOVA Capital Corporation, as Lender, and the above
Borrowers. All references to Section numbers herein refer to Sections in the
Agreement. The terms and provisions of this Schedule shall supersede all terms
and provisions contained in all prior schedules.
CFT Financial Corp. and Thaxton Securities Corp. have been deleted as
Borrowers hereunder pursuant to the Agreement, this Schedule and the other Loan
Document.
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1.A BORROWERS
The "Borrower(s)" herein shall be defined as follows:
The Thaxton Group, Inc. "TTG" or "Lead Borrower"
Thaxton Operating Company "TOC"
Thaxton Insurance Group, Inc. "TIG"
TICO Credit Company, Inc. "TICO"
Eagle Premium Finance Co, Inc. "EPF"
Thaxton Commercial Lending, Inc. "TCL"
Paragon Lending, Inc. "PLI"
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1.17.A. MAXIMUM AMOUNT OF AN ELIGIBLE RECEIVABLE (SECTION 1.17).
The term "Maximum Amount of an Eligible Receivable"
shall mean for each Receivable type as set forth
below:
CONSUMER LOAN RECEIVABLE NOT SECURED BY REAL ESTATE
AND INSURANCE PREMIUM RECEIVABLE - the sum of Thirty
Thousand Dollars ($30,000.00) remaining due thereon
at any date of determination, including all unearned
finance charges, Bulk Purchase Reserves and Dealer
Discounts pursuant to such Receivable.
CONSUMER LOAN RECEIVABLES SECURED BY REAL ESTATE -
the sum of Seventy Five Thousand Dollars
($75,000.00)remaining due thereon at any date of
determination, including all unearned finance
charges, Bulk Purchase Reserves and Dealer Discounts
pursuant to such Receivable.
NON-CONSUMER RECEIVABLES - the sum of Five Hundred
Thousand Dollars ($500,000.00), other than a vehicle
floor plan loan, remaining due thereon at any date of
determination and Two Hundred Thousand Dollars
($200,000.00), with respect to a vehicle floor plan
loan, remaining due thereon at any date of
determination, excluding all unearned finance
charges, Bulk Purchase Reserves and Dealer Discounts
pursuant to such Receivable.
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1.17.B. MAXIMUM TERM OF AN ELIGIBLE RECEIVABLE (SECTION 1.17).
The "Maximum Term of an Eligible Receivable" shall be
for each Receivable type as set forth below:
CONSUMER LOAN RECEIVABLES NOT SECURED BY REAL ESTATE
AND INSURANCE PREMIUM RECEIVABLES, - a period of
sixty (60) months remaining until the contractual
final due date
CONSUMER LOAN RECEIVABLES SECURED BY REAL ESTATE - a
period of One Hundred and Eighty (180) months
remaining until the contractual final due date
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1.17.D. AGING PROCEDURES AND ELIGIBILITY TEST (SECTION 1.17).
AGING PROCEDURES FOR A CONTRACTUAL AGING FOR THE FOLLOWING RECEIVABLE TYPES:
- - - ----------------------------------------------------------------------------
CONSUMER LOAN RECEIVABLES (OTHER THAN VEHICLE RECEIVABLES)
- - - ----------------------------------------------------------
1. No payment missed or due = Current.
2. 1 to 30 days past due = "30 day Account".
3. 31 to 60 days past due = "60 day Account".
4. 61 to 90 days past due = "90 day Account".
5. 91 or more days past due = "90 + day Account"
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INSURANCE PREMIUM RECEIVABLES
- - - -----------------------------
1. No payment missed or due = Current.
2. 1 to 30 days past due = "30 day NC Account".
(Financing contract not canceled)
3. 31 or more days past due = "30+ day NC Account".
(Financing contract not canceled)
4. 1 to 30 days past due = "30 day Canceled Account".
(Financing contract canceled)
5. 31 to 60 days past due = "60 day Canceled Account".
(Finance contract canceled)
6. 61 or more days past due = "60 + day Canceled Account".
(Finance contract canceled)
For the purposes of the Loan Documents the cancellation of an insurance
receivable shall be immediately effective upon the effective cancellation date
of the associated insurance policy.
VEHICLE RECEIVABLES AND NON-CONSUMER RECEIVABLES
- - - ------------------------------------------------
1. No payment missed or due = Current.
2. 1 to 30 days past due = "30 day Account".
3. 31 to 60 days past due = "60 day Account".
4. 61 or more days past due = "60 + day Account".
ELIGIBILITY TEST:
- - - -----------------
The term "Eligibility Test" shall mean the test to determine the eligibility of
a Receivable for the purposes of Section 1.17 hereof, that test, being as
follows for each Receivable type:
Direct Loan Receivables
(1) No payment due on said Receivable remains unpaid more
than ninety (90) days from the specific date on which
such payment was due pursuant to the terms of said
Receivable;
(2) If the initial advance of said Receivable was greater
than One Thousand Dollars ($1,000.00), the payment of
said Receivable shall be secured by collateral;
(3) If said Receivable is purchased from a third party
wherein the Borrower is or will become obligated to
such third party in conjunction with the purchase of
such Receivable through a "reserve" or other
liability arrangement, all of such third party's
rights in and to the "reserve" or other liability
shall be subordinated to Lender in all respects,
except as set forth below, in a form and substance
satisfactory to Lender. This provision shall not
restrict Borrower from making a payment to a third
party for a reserve or other liability arrangement,
or a part thereof, provided such payment is then
contractually due to such third party, pursuant to a
written agreement executed at or prior to the time
the respective Receivable was purchased by Borrower,
and an Event of Default does not then exist; and
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(4) With respect to Consumer Loan Receivables secured by
real estate, on the date of origination of such
Receivable, the percentage determined by dividing the
outstanding principal balance of such Receivable by
the fair market value of the real estate collateral
securing such Receivable shall not exceed ninety
percent (90%) ("Maximum LTV").
INSURANCE PREMIUM RECEIVABLES
(1) No payment due on said Receivable remains unpaid more
than (i) thirty (30) days for that Insurance Premium
Receivable that the contractual obligation evidencing
such Receivable has not been canceled according to
the terms of such Receivable and (ii) sixty (60) days
for Insurance Premium Receivable that the contractual
obligation evidencing such Receivable has been
canceled according to the terms of such Receivable,
from the specific date on which such payment was due
pursuant to the terms of said Receivable.
(2) The insurance company issuing the insurance policy of
which said Receivable evidences the financing of the
payment of the premiums with respect to such
insurance policy meets one of the following criteria:
(i) rated "C+" or better pursuant to the current
edition of "Best's Key Rating Guide - Property
and Casualty" as published by the A.M. Best
Company ("A.M. Best"); or
(ii) a member of a state reinsurance facility or
shared pool.
(3) No more than twenty percent (20%) of the aggregate
outstanding balance of all Category Two Receivables
can evidence the financing of the payment of premiums
for insurance policies for any one insurance company
that is not one of the following:
(1) rated "A-" or better by A.M. Best; or
(2) a member of a state insurance facility or
shared pool.
VEHICLE RECEIVABLES
(1) No payment due on said Receivable remains unpaid more
than sixty (60) days from the specific date on which
such payment was due pursuant to the terms of said
Receivable.
(2) If said Receivable is purchased from a third party
wherein the Borrower is or will become obligated to
such third party in conjunction with the purchase of
such Receivable through a "reserve" or other
liability arrangement, all of such third party's
rights in and to the "reserve" or other liability
shall be subordinated to Lender in all respects,
except as set forth below, in a form and substance
satisfactory to Lender. This provision shall not
restrict Borrower from making a payment or payments
to a third party for a reserve or other liability
arrangement, or a part thereof, provided such payment
is then contractually due to such third party,
pursuant to a written agreement executed at or prior
to the time the respective Receivable was purchased
by Borrower, and an Event of Default does not then
exist.
NON-CONSUMER RECEIVABLES
No payment due on said Receivable remains unpaid more
than sixty (60) days from the specific date on which
such payment was due pursuant to the terms of said
Receivable.
MORTGAGE WAREHOUSE RECEIVABLES
Such Receivable shall only be eligible hereunder
before the ninety-first (91st) day after the
origination date of such Receivable. Notwithstanding
the foregoing to the contrary, on any date of
determination, up to ten percent (10%) of the
aggregate outstanding balance of Mortgage Warehouse
Receivables may exceed ninety (90) days from the
origination date of such Receivable, but not more
than twelve (12) months from the date of origination,
provided that no payment due on said Receivable
remains unpaid more than sixty (60) days from the
specific date on which such
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payment was due pursuant to the terms of said
Receivable and such Receivable is otherwise eligible
hereunder.
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1.19. GUARANTOR (WHETHER ONE OR MORE) (SECTION 1.19).
James D. Thaxton (Validity and Support Agreement).
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2.1.A. AMOUNT OF REVOLVING CREDIT LINE AND AMOUNT OF THE TRANCHE "C"
CREDIT FACILITY
The "Amount of the Revolving Credit Line" is One
Hundred Million Dollars ($100,000,000.00).
The "Amount of the Tranche "C" Credit Facility" is
Eight Million Dollars ($8,000,000.00)
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2..1.B. AVAILABILITY ON ELIGIBLE RECEIVABLES (SECTION 2.1):
The "Availability on Tranche "A" and Tranche "B" Eligible
Receivables" shall be the sum of the following:
(i) with respect to the Tranche "A" Credit Facility, an
amount equal to the result of:
(a) eighty-five percent (85%) of the aggregate
unmatured and unpaid amount due to Borrower from the
Account Debtor named thereon, excluding all unearned
finance charges, Bulk Purchase Reserves and Dealer
Discounts pursuant to the Consumer Loan Receivables
other than Captive Vehicle Receivables,
Plus
(b) eighty-five percent (85%) of the aggregate
unmatured and unpaid amount due to Borrower from the
Account Debtor named thereon, excluding all unearned
finance charges, Bulk Purchase Reserves and Dealer
Discounts pursuant to the Non-Consumer Loan
Receivables,
Plus
(c) the lesser of (1) fifty percent (50%) of the
aggregate unmatured and unpaid amount due to Borrower
from the Account Debtor named thereon, including all
unearned finance charges and other unearned fees and
charges and Dealer Discounts pursuant to the Captive
Vehicle Receivables, and (2) one hundred percent (100%)
of the aggregate of the original cost paid by
Borrower's affiliate to acquire the vehicles that
secures such Receivables,
Plus
(d) the lesser of (1) eighty-five percent (85%) of the
aggregate Net Commission Income billed by Borrower in
the twelve (12) calendar months immediately preceding
any date of determination, and (2) seventy percent
(70%) of the annual academy survey average agency
market value of TIG;
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Plus
(e) ninety-five percent (95%) of the aggregate
unmatured and unpaid amount due to Borrower form the
Account named thereon, excluding all unearned finance
charges and other unearned fees and charges pursuant to
Mortgage Warehouse Receivables,
Less
The outstanding balance of the Tranche "C" Credit
Facility, on the date of determination.
(ii) with respect to the Tranche "B" Credit Facility, an
amount equal to the lesser of
(a) (1) if the date of determination is on or before
January 31, 2001, ten percent (10%) of the aggregate
unmatured and unpaid amount due to Borrower from the
Account Debtor named thereon, excluding all unearned
finance charges, Bulk Purchase Reserves and Dealer
Discounts pursuant to the Consumer Loan Receivables,
excluding Captive Vehicle Receivables, (2) if the date
of determination is after January 31, 2001, but on or
before July 31, 2002, five percent (5%) of the
aggregate unmatured and unpaid amount due to Borrower
from the Account Debtor named thereon, excluding all
unearned finance charges, Bulk Purchase Reserves and
Dealer Discounts pursuant to the Consumer Loan
Receivables, excluding Captive Vehicle Receivables, and
(3) if the date of determination is after July 31,
2002, there shall be no Availability on the Tranche "B"
Credit Facility; and
(b) one hundred percent (100%) of the aggregate
unmatured and unpaid amount due to Borrower from the
Account Debtor named thereon, including all unearned
finance charges, Bulk Purchase Reserves and Dealer
Discounts pursuant to the Consumer Loan Receivables,
excluding Captive Vehicle Receivables, multiplied by
the CRR Advance Rate, less the amount of the
Availability for Tranche "A" with respect to all
Consumer Loan Receivables, excluding Captive Vehicle
Receivables, pursuant to Schedule Section 2.1.B. (i)
hereinabove.
Notwithstanding any provision contained in the Loan Documents to the contrary,
If on any date of determination, upon the occurrence of any of
the following events, Lender, in its sole and absolute
discretion, may modify the Availability on Eligible Receivables
advance percentages:
(A) the percentage determined by dividing the aggregate
outstanding balance of all Consumer Loan Receivables by
the aggregate outstanding balance of all Receivables is
less than fifty percent (50%);
(B) the sum of all liabilities and obligations of all
Borrowers plus the outstanding balance of the Tranche
"C" Facility, on any date of determination, is greater
than the aggregate outstanding balance of all Eligible
Receivables, including all unearned finance charges and
all other unearned fees and charges, on the same date
of determination, then in that event, Lender, in its
sole and absolute discretion, may modify the
Availability on any of the Eligible Receivables;
(C) if on any date of determination, the Cash
Collection Percentage is less than seven percent (7%);
(D) if on any date of determination, the average
outstanding balance of Non-Consumer Receivables is
greater than Two Hundred Thousand Dollars
($200,000.00); or
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(E) if on any date of determination, the average
outstanding balance of all Consumer Loan Receivables is
greater than Three Thousand Dollars ($3,000.00)
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2.2. STATED INTEREST RATE (SECTION 2.2) AND STATED DIVIDEND RATE
(SECTION 2.21)
TRANCHE "A" CREDIT FACILITY STATED INTEREST RATE
------------------------------------------------
The "Tranche "A" Credit Facility Stated
Interest Rate" shall be lesser of (i) the Governing
Rate plus One and one-quarter percent (1.25%) per
annum; or (ii) the Maximum Rate.
TRANCHE "B" CREDIT FACILITY STATED INTEREST RATE
------------------------------------------------
The "Tranche "B" Credit Facility Stated
Interest Rate" shall be lesser of (i) the Governing
Rate plus Five percent (5.00%) per annum; or (ii) the
Maximum Rate.
TRANCHE "C" CREDIT FACILITY DIVIDEND RATE
-----------------------------------------
The "Tranche "C" Credit Facility Dividend
Rate" shall be an amount determined as follows:
lesser of (i) the Governing Rate, less an amount
equal to One percent (1.00%) per annum ; or (ii) the
Maximum Rate.
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2.3. MATURITY DATE (SECTION 2.3.C).
The primary term of this Agreement shall expire on
July 31, 2004. If Borrower desires to extend the
primary term or any term thereafter of this
Agreement, Borrower shall give Lender notice of its
intent to extend the term no earlier than one hundred
and eighty (180) days and no later than one hundred
and fifty (150) days prior to any expiration date of
this Agreement. Upon the receipt by Lender of
Borrower's notice to extend the term of this
Agreement, if Lender desires to renew and extend the
term of this Agreement, Lender shall give Borrower
notice of Lender's intent to extend the term of this
Agreement, within sixty (60) days of Lender's receipt
of Borrower's notice to extend. If Lender does not
give Borrower notice of Lender's intent to extend the
term of this Agreement within the sixty (60) days
period, then it shall be deemed that Lender does not
intend to renew and extend the term of this
Agreement. Notwithstanding the foregoing, the
Borrower's obligation pursuant to this Agreement
shall remain in full force and effect until the
Indebtedness due and owing to Lender has been paid in
full.
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2.6. VOLUNTARY PREPAYMENTS (SECTION 2.6).
The amount of "Liquidated Damages" shall be, if
Borrower notifies the Lender of Borrower's intention
to pay the Indebtedness in full and requests a
termination of Borrower security interest in the
Collateral hereunder before July 31, 2004, the amount
of "Liquidated Damages" shall be the amount of Eight
Hundred Thousand Dollars ($800,000.00).
Notwithstanding the foregoing, the above Liquidated
Damages shall be waived upon the satisfaction of the
following conditions:
1 Borrower requests an increase in the Amount
of Revolving Credit Line prior to the
Maturity Date,
2 At the time of such request, the
outstanding balance of the Indebtedness is
equal to or greater than ninety percent
(90%) of the Amount of the Revolving Credit
Line,
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3 At the time of such request and during the
period beginning on the date of such
request and ending on the date Lender
declines such request, a Default or an
Event of Default does not exist or has not
occurred, and
4 Lender declines such request.
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2.22. FACILITY FEE (SECTION 2.22)
The monthly facility fee shall be Eleven Thousand Six
Hundred Sixty-Six and 66/100 Dollars ($11,666.66).
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3.2. BUSINESS LOCATIONS OF BORROWER (SECTIONS 3.2, 3.6 AND 5.1.N.).
All locations as set forth on a list of locations
attached hereto.
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5.1. BORROWER'S TRADENAMES (WHETHER ONE OR MORE)(SECTION 5.1.B.)
TICO Credit Company
Eagle Premium Finance Company
TICO Premium Finance Company
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6.2.A. MINIMUM TIG DEBT SERVICE COVERAGE (SECTION 6.2.L.)
The Minimum TIG Debt Service Coverage Ratio shall be
1.25 to 1.00, to be determined on a calendar quarter
basis.
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6.2.B. MINIMUM NET COMMISSION INCOME (SECTION 6.2.M.)
The Minimum Net Commission Income shall be Five
Million Dollars ($5,000,000.00) for any twelve (12)
calendar month period immediately preceding any date
of determination.
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6.3.A.. LEVERAGE RATIO LIMIT (SECTION 6.3.A).
The term "Leverage Ratio Limit" shall mean 7.00 to
1.00.
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6.3.B. MINIMUM NET INCOME (SECTION 6.3.B).
The Minimum Net Income shall be One Dollar ($1.00)
for any fiscal year of Borrower.
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6.3.C. DISTRIBUTIONS LIMITATION (SECTION 6.3.C).
The Maximum Distributions shall not exceed
twenty-five percent (25%) of Net Income of the fiscal
year of Borrower based upon Borrower's annual audited
financial, provided that regularly scheduled
dividends on Preferred Stock shall not be a
distribution for the purposes of this negative
covenant.
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6.3.D. MINIMUM TANGIBLE NET WORTH PLUS SUBORDINATED DEBT (SECTION 6.3.D.).
The Minimum Tangible Net Worth plus the outstanding
balance of all Subordinated Debt plus the outstanding
balance Tranche "B" shall not be less than Ten
Million Dollars ($10,000,000.00) during the term
hereof.
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6.3.E. MINIMUM TANGIBLE NET WORTH (SECTION 6.3.E.).
The Minimum Tangible Net Worth shall not be less than
Five Million Dollars ($5,000,000.00) during the term
hereof.
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6.6. ANNUAL FINANCIAL STATEMENTS (SECTION 6.6).
Annual audited financial statements to be prepared by
an independent certified public accountant,
satisfactory to Lender.
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8.1. REIMBURSEMENT OF EXPENSES (SECTION 8.1).
Borrower's shall reimburse Lender for Lender expenses
incurred in Lender's attorneys fees and expenses
incurred in the negotiation, preparation and
execution of these Loan Documents executed in
conjunction therewith.
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9.1. NOTICES (SECTION 9.1).
Lender: FINOVA Capital Corporation
(copy each office below with all notices)
CORPORATE FINANCE OFFICE:
FINOVA Capital Corporation
355 South Grand Avenue, Suite 2400
Los Angeles, CA 90071
Attn: John J. Bonano, Senior Vice
President
Telephone: (213) 253-1600
Telecopy No.: (213) 625-0268
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CORPORATE OFFICE:
FINOVA Capital Corporation
1850 N. Central Avenue
Phoenix, AZ 85077
Attn: Joseph R. D'Amore, Senior Counsel
Telephone: (602) 207-4900
Telecopy No.: (602) 207-5543
REDISCOUNT FINANCE OFFICE:
FINOVA Capital Corporation
16633 Dallas Parkway
Addison, Texas 75001
Attn: Cash Rohrbough
Telephone: (972) 764-1100
Telecopy No.: (972) 764-1149
Borrower: The Thaxton Group, Inc.
Thaxton Operating Company
Thaxton Insurance Group, Inc.
TICO Credit Company, Inc.
Eagle Premium Finance, C., Inc.
Thaxton Commercial Lending, Inc.
Paragon Lending, inc.
1524 Pageland Highway
Lancaster, South Carolina 29721
Telephone: (803) 285-4336
Telecopy No.: (803) 286-5770
Guarantor: James D. Thaxton
413 E. Pigg
Pageant, South Carolina 29728
Telephone: (803) 416-5110
Telecopy No.: (803) 286-5770
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9.15. AGENT FOR SERVICE OF PROCESS (SECTION 9.15).
James D. Thaxton, whose address is 1524 Pageland Highway,
Lancaster, South Carolina 29721.
(Agent)
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IN WITNESS WHEREOF, the parties have executed this Schedule on the day and
year first set forth above.
LENDER:
FINOVA CAPITAL CORPORATION,
a Delaware corporation
By:/s/Cash Rohrbough 8/31/99
--------------------------------------------------
Cash Rohrbough, Vice President (Date)
BORROWER:
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THE THAXTON GROUP, INC.
a South Carolina corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
THAXTON OPERATING COMPANY
a South Carolina corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
THAXTON INSURANCE GROUP, INC.
a South Carolina corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
TICO CREDIT COMPANY, INC.,
a South Carolina corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
EAGLE PREMIUM FINANCE CO, INC.
a South Carolina Corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
THAXTON COMMERCIAL LENDING, INC.
a South Carolina corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
PARAGON LENDING, INC.
a South Carolina Corporation
By:/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
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GUARANTOR (Validity):
/s/James D. Thaxton 8/31/99
----------------------------------------------
James D. Thaxton, President (Date)
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EXHIBIT "A"
THAXTON GROUP (TOC)
OFFICES
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
1524 PAGELAND HWY 1514 PAGELAND HWY
LANCASTER, SC 29721 LANCASTER, SC 29721
P 803-416-5111 P 803-285-4336
F 803-416-5148 F 803-416-5149
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
316 S. MAIN STREET 235 N. HAMPTON STREET
LANCASTER, SC 29720 KERSHAW, SC 29067
P 803-285-1514 P 803-475-2309
F 803-285-5805 F 803-475-9654
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
235 N. HAMPTON STREET 215 NORTH PEARL STREET
KERSHAW, SC 29067 PAGELAND, SC 29728
P 803-475-9866 P 843-672-6580
F 803-475-9870 F 843-672-6581
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
2311 BROAD STREET 319 OAKLAND AVE
CAMDEN, SC 29020 ROCK HILL, SC 29731
P 803-425-5512 P 803-324-2984
F 803-432-6045 F 803-324-0757
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
1841 J A COCHRAN BY-PASS 113 BETHEL STREET
SUITE D CLOVER, SC 29710
CHESTER, SC 29706 P 803-222-9350
P 803-581-0875 F 803-222-9420
F 803-581-0202
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
431 J C CALHOUN DRIVE 9400 TWO NOTCH RD, UNIT F
ORANGEBURG, SC 29115 COLUMBIA, SC 29223
P 803-531-4524 P 803-736-2911
F 803-531-1608 F 803-736-5015
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
425-A SOUTH CASHUA DRIVE 113-B N. MAIN STREET
FLORENCE, SC 29502 HEATH SPRINGS, SC 29058
P 843-667-6500 P 803-273-2556
F 843-661-0256 F 803-273-9913
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
1708 BUNTING DR. STE-A 48 N. CONGRESS ST
NORTH AUGUST, SC 29841 YORK, SC 29745
P 803-819-1492 P 803-684-4650
F 803-819-0687 F 803-684-6081
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
127 N. PEARL STREET 561 BULTMAN DRIVE
PAGELAND, SC 29728 UNIVERSITY CENTER
P 843-672-3970 SUMTER, SC 29151
F 843-672-3973 P 803-775-7267
F 803-778-4014
TICO CREDIT COMPANY
214 S. OAKLAND AVE THAXTON INSURANCE GROUP
ROCK HILL, SC 29730 121-B CHESTERFIELD HWY
P 803-366-3171 CHERAW, SC 29520
F 803-366-9593 P 843-537-7442
F 843-537-5130
TICO CREDIT COMPANY
1006 N. HWY 301 THAXTON INSURANCE GROUP
DILLON, SC 29536 2313 N. BROAD STREET
P 843-774-7301 CAMDEN, SC 29020
F 843-774-0332 P 803-432-1453
F 803-425-5635
TICO CREDIT COMPANY
404 N. PLEASANTBURG DRIVE THAXTON INSURANCE GROUP
DRAGON DEN PLAZA 122 SOUTH MAIN STREET
GREENVILLE, SC 29607 MONROE, NC 28112
P 864-242-3211 P 704-289-6437
F 864-242-3873 F 704-283-7797
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
607 E. MAIN STREET 4806 PARK ROAD
SPARTANBURG, SC 29301 CHARLOTTE, NC 28220
P 864-573-7144 P 704-529-4133
F 864-573-7262 F 704-589-4159
TICO CREDIT COMPANY THE INSURANCE SHOPPE
121 A CHESTERFIELD HWY 2725 SOUTH BLVD
CHERAW, SC 29520 CHARLOTTE, NC 28209
P 843-537-0891 P 704-525-4517
F 843-537-0892 F 704-525-1815
TICO CREDIT COMPANY THAXTON INSURANCE GROUP
720 GRACERN RD BLDG 400 404-A CHERAW ST
SUITE 450 BENNETTSVILLE, SC 29512
COLUMBIA, SC 29210 P 843-479-4028
P 803-216-8007 F 843-479-9275
F 803-216-9240
LAKESIDE INSURANCE AGENCY
TICO CREDIT COMPANY 1400 INDIANA AVENUE SUITE 60
730-A BROAD STREET WINSTON-SALEM, NC 27106
SUMTER, SC 29151 P 336-767-2698
P 803-775-3310 F 336-767-3926
F 803-775-2171
AUTO SECURITY AGENCY
TICO CREDIT COMPANY P O BOX 561450
3215 MALL RD CHARLOTTE, NC 28256
NORTH POINTE SQUARE STE F P 704-597-1800
ANDERSON, SC 29625 F 704-596-3740
P 864-964-1600
F 864-964-0313 AUTO SECURITY AGENCY
819 CENTRAL AVENUE
CHARLOTTE, NC 28204
P 704-377-6877
TICO CREDIT COMPANY F 704-342-0969
104 SEBRELL STREET UNIT 11
SOUTH CREEK MALL & OFFICE PARK AUTO SECURITY AGENCY
FLORENCE, SC 29504 7005 WILKINSON BLVD
P 843-664-2300 BELMONT, NC 28012
F 843-664-8407 P 704-825-4000
F 704-825-6158
TICO CREDIT COMPANY AUTO CYCLE INSURANCE
2443 BOUNDARY ST 906 PETERS CREEK PARKWAY
BEAUFORT, SC 29902 WINSTON-SALEM, NC 27103
P 843-525-9311 P 336-761-8245
F 843-525-9103 F 336-748-0813
TICO CREDIT COMPANY
1441 W. MAIN STREET TICO PREMIUM FINANCE
SALEM, VA 24153 1524 PAGELAND HIGHWAY
P 540-375-3636 LANCASTER, SC 29721
F 540-375-6791 P 803-285-4338
F 803-285-6056
TICO CREDIT COMPANY
407 ROANOKE STREET STE 3 INTER CITY AGENCY
CHRISTIANBURG, VA 24073 1621 W. MCDOWELL
P 540-381-2260 PHOENIX, AZ 85007
F 540-381-1890 P 602-257-0634
F 602-252-7638
TICO CREDIT COMPANY
1395 VOLUNTEER PARKWAY INTER CITY AGENCY
BRISTOL, TN 37620 1455 S. STAPLEY #26
P 423-764-0703 MESA, AZ 85204
F 423-764-0733 P 602-926-4090
F 602-926-9697
TICO CREDIT COMPANY
3575 MACON RD INTER CITY AGENCY
SUITE 8 7035 S. CENTRAL #1
COLUMBUS, GA 31917 PHOENIX, AZ 85040
P 706-568-4006 P 602-268-2903
F 706-568-3884 F 602-276-6140
TICO CREDIT COMPANY INTER CITY AGENCY
416 ATLANTA HWY 4239 W. MCDOWELL STE 21
CUMMING, GA 30130 PHOENIX, AZ 85009
P 770-886-3238 P 602-849-8686
F 770-781-4521 F NONE
TICO CREDIT COMPANY INTER CITY AGENCY
44878 HWY 17 SUITE 2 4425 W. GLENDALE AVE #1
VERNON, AL 35592 GLENDALE, AZ 85301
P 205-695-6093 P 602-934-0916
F 205-695-6469 F NONE
TICO CREDIT COMPANY INTER CITY AGENCY
600 MILITARY ST, STE 2 1617 N. 32ND STREET
HAMILTON, AL 35570 PHOENIX, AZ 85008
P 205-921-7919 P 602-275-6157
F 205-921-7940 F 602-275-9727
TICO CREDIT COMPANY INTER CITY AGENCY
1340 J PATTON AVE 4747 S. 12 AVE
ASHEVILLE, NC 28816 TUCSON, AZ 85714
P 828-253-7447 P 520-573-3201
F 828-253-6995 F 520-573-3259
TICO CREDIT COMPANY INTER CITY AGENCY
406 4TH STREET SW 2015 N. DOBSON RD #14
HICKORY, NC 28602 CHANDLER, AZ 85224
P 828-324-8900 P 602-732-9091
F 828-324-9200 F NONE
TICO CREDIT COMPANY INTER CITY AGENCY
108 5TH AVE N.W. 6701 W. THOMAS RD
AMORY, MS 38821 PHOENIX, AZ
P 601-256-8248 P 602-849-8686
F 601-256-9755 F NONE
TICO CREDIT COMPANY NATIONAL INSURANCE
521 WEST COMMERCE ST 2206 N. 24TH STREET
ABERDEEN, MS 39730 PHOENIX, AZ 85008
P 601-369-7877 P 602-235-9515
F 601-369-8084 F 602-235-9519
NATIONAL INSURANCE NATIONAL INSURANCE
2036 E. THOMAS RD 6018 S. CENTRAL AVE
PHOENIX, AZ 85016 PHOENIX, AZ 85040
P 602-956-3183 P 602-243-6970
F 602-956-4503 F 602-243-0565
NATIONAL INSURANCE NATIONAL INSURANCE
1520 N. 35TH AVE 6544 W. THOMAS RD STE 33
PHOENIX, AZ 85009 PHOENIX, AZ 85033
P 602-269-8451 P 602-849-5588
F 602-269-8148 F 602-849-0844
NATIONAL INSURANCE NATIONAL INSURANCE
340 W. UNIVERSITY STE 34 5233 W. GLENDALE AVE
MEZA, AZ 85201 STE A, FLOOR A
P 602-668-1124 GLENDALE, AZ 85301
F 602-668-1125 P 602-930-7898
F 602-930-7957
NATIONAL INSURANCE NATIONAL INSURANCE
2375 SOUTH 4TH AVE STE 2 2206 NORTH 24TH ST
YUMA, AZ 85364 PHOENIX, AZ 85008
P 520-782-6005 P 602-231-0191
F 520-782-4852 F 602-244-8745
INTER CITY AGENCY INTER CITY AGENCY
1621 S. EASTERN AVE 3603 LAS VEGAS BLVD N STE 117
LAS VEGAS, NV 89104 LAS VEGAS, NV 89115
P 702-641-2122 P 702-643-4544
F 702-641-3838 F 702-643-4525
NATIONAL INSURANCE INTER CITY AGENCY
235 N. EASTERN 3400 SAN MATEO NE #A
LAS VEGAS, NV 89101 ALBUQUERQUE, NM 87110
P 702-384-0666 P 505-883-2971
F 702-384-5666 F 505-881-2419
NATIONAL INSURANCE PARAGON LENDING
4251 W. SAHARA STE A 9771-A SOUTHERN PINE BLVD
LAS VEGAS, NV 89102 CHARLOTTE, NC 28273
P 702-579-6381 P 704-527-9600
F 702-579-6385 F 704-527-0862
PARAGON LENDING PARAGON LENDING
9714 N KINGSHIGHWAY 7340 SIX FORK ROAD
STE 110 RALEIGH, NC 27615
MYRTLE BEACH, SC 29577 P 919-844-5644
P 843-692-0162
F 843-692-7520
PARAGON LENDING PARAGON LENDING
103 WILSON STREET 2602 IRONGATE DRIVE
CHESTERFIELD, SC 29709 SUITE 101
P 843-623-9230 WILMINGTON, NC 28412
F 843-623-3288 P 910-772-9444
F 910-772-1778
PARAGON LENDING THE INSURANCE CENTER
5500 ADAMS FARM LANE 639 WADSWORTH BLVD
SUITE 106 LAKEWOOD, CO 80215
GREENSBORO, NC 27407 P 303-232-2227
P 336-547-9970
F 336-547-9994
THE INSURANCE CENTER THE INSURANCE CENTER
4140-G E. EVANS 1261 W. 84TH AVE, UNIT 4
DENVER, CO 80222 DENVER, CO 80221
P 303-756-8484 P 303-426-0809
THE INSURANCE CENTER THAXTON INSURANCE
3150-C S. PEORIA 3948 FEDERAL BLVD
AURORA, CO 80014 DENVER, CO 80210
P 303-745-2227 P 303-480-5398
THAXTON INSURANCE THAXTON INSURANCE
1000 DEPOT HILL RD #B 4393 SOUTH BROADWAY
BROOMFIELD, CO 80020 ENGLEWOOD, CO 80110
P 303-465-5908 P 303-789-1820
THAXTON INSURANCE THAXTON INSURANCE
2648 SOUTH PARKER RD UNIT 6A 5201 NORTH 19TH AVE #102
AURORA, CO 80014 PHOENIX, AZ 80515
P 303-751-4033 P 602-242-8958
PARAGON LENDING PARAGON LENDING
555 N PLEASANTBURG DRIVE 2 WALDEN RIDGE SUITE 90
STE 325 ASHEVILLE, NC 28803
GREENVILLE, SC 29607 P 828-684-3443
P 864-370-1437 F 828-684-7052
F 864-370-0328
PARAGON LENDING
4975 LACROSS RD
STE 105
N CHARLESTON, SC 29406
P 843-554-9990