----

|   |               |                                         |       |   |
|--------|--------------------|----------------------------------------------|------------|--------|
|   |   Voting Bank |                                         |       |   |
|   |               |                                         | (INITIALS) |   |
|   |               |                                         |       |
|   | Non-Voting Bank    |   /s/ LS     /s/ MV |       |
|   |               |                                         | (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 |   |
|   |                                                                                                                                                     |                    |
|   |                                                                                                                                                     |                    |
|   | CROSSFIRST BANKa Kansas Corporation                                                                                                                      |                    |
|   |                                                                                                                                                     |                    |
|   |                                                                                                                                                     |                    |
|   | By:                                                                                                                                                      | /s/ Mary Valentine      |   |
|   | Name:                                                                                                                                                    |  Mary Valentine    |   |
|   | Title:                                                                                                                                                   | Vice 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. ________ |                                                                                                                                                            |                                                                            |
|                 |                                                                                                                                                            |                                                                            |