|   | "First Citizens BankAttention:  Lloyd C. Hillard, Jr.425 West Dixie AvenueElizabethtown, KY  42701" |
|--------|-------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                    |

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|   | PIONEER FINANCIAL SERVICES, INC.a Missouri corporationindividually and on behalf of its Subsidiarieslisted on Exhibit L to the Senior LendingAgreement |                             |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------|
|   |                                                                                                                                                   |                             |
|   |                                                                                                                                                   |                             |
|   | By:                                                                                                                                                    |   /s/ Laura V. Stack        |   |
|   | Name:                                                                                                                                                  | Laura V. Stack                   |   |
|   | Title:                                                                                                                                                 | CFO                              |   |
|   |                                                                                                                                                   |                             |
|   |                                                                                                                                                   |                             |
|   | First Citizens, a Kentucky corporation                                                                                                                 |                             |
|   |                                                                                                                                                   |                             |
|   |                                                                                                                                                   |                             |
|   | By:                                                                                                                                                    |   /s/ Lloyd C. Hillard, Jr. |   |
|   | Name:                                                                                                                                                  | Lloyd C. Hillard, Jr.            |   |
|   | Title:                                                                                                                                                 | President & CEO              |   |
|   |                                                                                                                                                   |                             |
|   |                                                                                                                                                   |                             |