----

|   |   | 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 V. Stack      |   |
|   |   | Name:                                                                                                                                                    | Laura V. Stack          |   |
|   |   | Title:                                                                                                                                                   | Chief Financial Officer |   |

|   |   | Citizens Bank and Trust Company, a Missouri Corporation |                                      |
|--------|--------|---------------------------------------------------------|-------------------------------------------|
|   |   |                                                    |                                      |   |
|   |   | By:                                                     | /s/ Kelley Wilcox                         |   |
|   |   | Name:                                                   | Kelley Wilcox                             |   |
|   |   | Title:                                                  | Senior Vice President, Commercial Banking |   |

|   |   | Enterprise Bank & Trust Company, a Missouri charter trust company |                            |
|--------|--------|-----------------------------------------------------------------------|---------------------------------|
|   |   |                                                                  |                            |   |
|   |   | By:                                                                   | /s/ Linda Hanson                |   |
|   |   | Name:                                                                 | Linda Hanson                    |   |
|   |   | Title:                                                                | Regional President, Kansas City |   |

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| Lender:   | Enterprise Bank & Trust12695 Metcalf AvenueOverland Park, KS 66213 (the "Bank")                                                                                                                                                                                                                   |
|-----------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Borrower: | Pioneer Financial Services, Inc.4700 Belleview, Suite 300Kansas City, Missouri 64112And certain Subsidiaries listed on Exhibit L to the Agreement (the "Borrower")                                                                                                                                    |
| Drawings: | This Credit Facility is available through March 31, 2011 unless terminated earlier pursuant to the terms of the Agreement.  All proceeds will be transmitted to a specified bank and account number for the Borrower and initially that will be UMB Bank, N.A., in Account No. 9801049275.  |
| Facility: | Revolving Grid Note:                                                                                                                                                                                                                                                                                       | $1,500,000 |
|      | Revolving Grid Note Pricing:                                                                                                                                                                                                                                                                               |   |
|      | Revolving Grid Note Maturity:                                                                                                                                                                                                                                                                              |   |
|      | Amortizing Note(s) Funded:                                                                                                                                                                                                                                                                                 |   |
|      | Amortizing Note(s) Unfunded:                                                                                                                                                                                                                                                                               | $6,000,000 |
|      | Amortizing Note(s) Pricing:                                                                                                                                                                                                                                                                                |   |
|      | Single Pay Term Note Amount:                                                                                                                                                                                                                                                                               |   |
|      | Single Pay Term Note Expiry Date:                                                                                                                                                                                                                                                                          |   |
|      |                                                                                                                                                                                                                                                                                                       |   |

|   |           |   | Enterprise. Bank & Trust |
|--------|----------------|--------|------------------------------|
|   |           |   | Bank Name                    |
|   |           |   |                         |
| Dated: | March 31, 2010 |   | By:                          | /s/ Linda Hanson |
|   |           |   | Name:                        | Linda Hanson |
|   |           |   | Title:                       | Regional President, Kansas City |

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| Lender:   | Citizens Bank & Trust Company7280 NW 87th Terrace, Suite 300Kansas City, MO 64153 (the "Bank")                                                                                                                                                                                                    |
|-----------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Borrower: | Pioneer Financial Services, Inc.4700 Belleview, Suite 300Kansas City, Missouri 64112And certain Subsidiaries listed on Exhibit L to the Agreement (the "Borrower")                                                                                                                                    |
| Drawings: | This Credit Facility is available through March 31, 2011 unless terminated earlier pursuant to the terms of the Agreement.  All proceeds will be transmitted to a specified bank and account number for the Borrower and initially that will be UMB Bank, N.A., in Account No. 9801049275.  |
| Facility: | Revolving Grid Note Funded:                                                                                                                                                                                                                                                                                | $977,500* |
|      | Revolving Grid Note Unfunded:                                                                                                                                                                                                                                                                              | $22,500 |
|      | Revolving Grid Note Pricing:                                                                                                                                                                                                                                                                               |   |
|      | Revolving Grid Note Maturity:                                                                                                                                                                                                                                                                              |   |
|      | Amortizing Note(s) Funded:                                                                                                                                                                                                                                                                                 | $5,234,081.89* |
|      | Amortizing Note(s) Unfunded:                                                                                                                                                                                                                                                                               | $1,265,918.11 |
|      | Amortizing Note(s) Pricing:                                                                                                                                                                                                                                                                                |   |
|      | Single Pay Term Note Amount:                                                                                                                                                                                                                                                                               |   |
|      | Single Pay Term Note Expiry Date:                                                                                                                                                                                                                                                                          |   |
|      |                                                                                                                                                                                                                                                                                                       |   |

|   |           |   | Citizens Bank & Trust Company |
|--------|----------------|--------|-----------------------------------|
|   |           |   | Bank Name                         |
|   |           |   |                              |
| Dated: | March 30, 2010 |   | By:                               | /s/ Kelley Wilcox |
|   |           |   | Name:                             | Kelley Wilcox |
|   |           |   | Title:                            | Senior Vice President, Commercial Lending |