----

|   | Voting Bank     |                                                                  |       |
|--------|-----------------|-----------------------------------------------------------------------|------------|
|   |            |                                                                  | (INITIALS) |   |
|   |            |                                                                  |       |
|   | Non-Voting Bank |   /s/ LS          /s/ AH |       |
|   |            |                                                                  | (INITIALS) |   |
|   |            |                                                                  |       |

|   |                                                                                                                                                     |                         |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------|
|   | PIONEER FINANCIAL SERVICES, INC.a Missouri corporationIndividually and on behalf of its Subsidiaries listed on Exhibit L to the Senior Lending Agreement |                         |
|   |                                                                                                                                                     |                         |
|   |                                                                                                                                                     |                         |
|   | By:                                                                                                                                                      |  /s/ Laura Stack        |   |
|   | Name:                                                                                                                                                    | Laura Stack                  |   |
|   | Title:                                                                                                                                                   | Chief Financial Officer      |   |
|   |                                                                                                                                                     |                         |
|   |                                                                                                                                                     |                         |
|   | PARKSIDE FINANCIAL BANK & TRUSTa Missouri Corporation                                                                                                |                         |
|   |                                                                                                                                                     |                         |
|   |                                                                                                                                                     |                         |
|   | By:                                                                                                                                                      |  /s/ Andrew S. Hereford |   |
|   | Name:                                                                                                                                                    | Andrew S. Hereford           |   |
|   | Title:                                                                                                                                                   | President                    |   |
|   |                                                                                                                                                     |                         |
|   |                                                                                                                                                     |                         |

----

| $__________________ and interest | ______________, __________ |
|----------------------------------|----------------------------|
|                             |                       |

|                 |                                                                                                                                                            |                                                                            |
|----------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------|
|                 | PIONEER FINANCIAL SERVICES, INC.a Missouri Corporation (Maker)Individually and on behalf of its Subsidiaries listed onExhibit L to the Senior Lending Agreement |                                                                            |
|                 |                                                                                                                                                            |                                                                            |
|                 |                                                                                                                                                            |                                                                            |
|                 | By:                                                                                                                                                             |                                                                            |   |
|                 |                                                                                                                                                            |
|                 | Name:                                                                                                                                                           |                                                                            |   |
|                 | Title:                                                                                                                                                          |                                                                            |   |
|                 |                                                                                                                                                            | 4700 Belleview, Suite 300Kansas City, MO 64112Tax Identification No. 44-0607504 |   |
| NV Note No. ________ |                                                                                                                                                            |                                                                            |
|                 |                                                                                                                                                            |                                                                            |