Exhibit 10.1
 SENIOR SECURED REVOLVING CREDIT LOAN AGREEMENT
 Dated as of March 12, 2009
 between
 FIRST TRINITY CAPITAL CORPORATION
as Borrower
 AND
 FIRST NATIONAL BANK OF MUSKOGEE,
as Lender




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SENIOR SECURED REVOLVING CREDIT AGREEMENT
 rd Borrower rd Lender
  ARTICLE I
DEFINITIONS, INTERPRETATION AND ACCOUNTING TERMS
 Defined Terms
 Accounting Terms and Principles
 Affiliate
 Agreement
 Anti-Terrorism Laws
 Anti-Terrorism Order
 Applicable Prime Rate Margin
 Availability Period




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Benefit Plan Section 3(3)
 Borrower
 Borrowing
 Borrowing Base
 Borrowing Base Advances
 Business Day
 Cash Equivalents
 Change in Control
 Closing Date
 Code
 Collateral
  2




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Commitment
 Compliance Certificate Exhibit
C
 Constituent Documents
 Contractual Obligation
 Default
 Disclosure Documents
 Dollars $
 Domestic Person United States person
 ERISA
 ERISA Affiliate
 ERISA Event
  3




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Event of Default
 Federal Reserve Board
 Financial Statement
 Fiscal Quarter
 Fiscal Year
 FTCC
 GAAP
 Governmental Authority
 Guarantor
 Guaranty
 Guaranty Obligation primary obligation primary obligor
  4




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Indebtedness
 Indemnified Matter
 Indemnitee
 IRS
 Liabilities
 Lien
 Loan
 Loan Documents
 Loan Parties
  5




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Marketable Assets
 Material Adverse Effect
 Maturity Date
 Minimum Liquidity Amount
 Moodys
 Note
 Notice of Borrowing
 Obligations
  6




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Patriot Act
 PBGC
 Permit
 Permitted Indebtedness
 Permitted Lien
 Person
 Premium Financed Contracts
 Prime Rate
  7




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Related Person Article III
 Requirements of Law
 Responsible Officer )
 Restricted Payment
 Revolving Loans
 Revolver Commitment
  8




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S&P
 Sale and Leaseback Transaction obligor counterparty
 Secured Party
 Security
 Security Agreement
 Sell
 Solvent
 Stock Equivalents
 Stock
  9




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subsidiary(ies)
 Subsidiary
 Net Worth
 Tax Return
 Tribunal
 UCC
 United States
 Voting Stock
 Interpretation
 Certain Terms property herein hereof from to until through including documents incur
  10




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Certain References
 ARTICLE II
THE FACILITIES
 Revolver Commitment
 Borrowing Procedures
 Revolving Loans Advances Notice of
Borrowing
 Mandatory
  11




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Repayment of Obligations
 Optional Prepayments
 Mandatory Prepayments
 Excess Outstandings
 Application of Payments
 Interest
 Rate
 Payments
 Default Interest
 Loan Fees
  12




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Application of Payments
 Application of Voluntary Prepayments
 Application of Mandatory Prepayments first second then
 Application of Payments During an Event of Default first second third fourth
 Payments and Computations
 Procedure e
 Computations of Interest and Fees
 Payment Dates provided however
  13




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Evidence of Debt
 Records of Lender
 Prima Facie Evidence clause (a) provided however
 Note Exhibit
A
 ARTICLE III
CONDITIONS TO LOANS
 Conditions Precedent to Initial Loans
 Certain Documents
     14




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Fees and Expenses
 Consents
 Conditions Precedent to Loan
 Requests
  15




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Representations and Warranties, No Defaults
 Additional Matters
  ARTICLE IV
REPRESENTATIONS AND WARRANTIES
  Legal Existence; Compliance with Law
  16




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Loan and Related Documents
 Power and Authority
 Due Execution and Delivery
 Financial Statements
   Material Adverse Effect
 Solvency
  17




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Litigation
 Taxes Tax Returns
 Margin Regulations
 Margin Stock
 Securities Laws
 Investment Company Act
 No Burdensome Obligations; No Defaults
  18




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No Legal Bar
 Full Disclosure provided however
 No Employee Plan
 Anti Terrorism
 Anti-Terrorism Laws Anti-Terrorism Order
   19




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Solvency
 Possession of Franchises, Licenses
 Leases
 ARTICLE V
FINANCIAL COVENANTS
 Minimum Net Worth
 Debt to Worth Ratio
 Minimum Liquidity Amount
  20




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ARTICLE VI
REPORTING COVENANTS
  Financial Statements
 Annual Audited Consolidated Financial Statements/Tax Returns
 Quarterly Financial Statements
 Compliance Certificate/Borrowing Base Certificate
 Monthly Borrowing Base Report
  21




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Notice of Litigation
 Notice of Default
 Notice of Other Events
 Copies of Notices and Reports
 Taxes
  22




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Other Information
 ARTICLE VII
AFFIRMATIVE COVENANTS
  Maintenance of Existence
 Compliance with Laws
 Payment of Obligations
 Maintenance of Property
 Maintenance of Insurance
 Keeping of Books
  23




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Access to Books and Property
 Use of Proceeds
 ERISA Reporting Requirements
     24




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Additional Documents or Instruments
 ARTICLE VIII
NEGATIVE COVENANTS
  Indebtedness
    25




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Liens
    Asset Sales
 Fundamental Changes
 Change in Nature of Business
 Transactions with Affiliates
  26




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Modification of Certain Documents
 Accounting Changes; Fiscal Year
 Margin Regulations
 ERISA
 Dividends/Distributions/Restricted Payments
 ARTICLE IX
EVENTS OF DEFAULT
 Events of Default
    27




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clause (i) (ii)
   28




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Remedies provided however
 ARTICLE X
MISCELLANEOUS
 Successors and Assigns.
  29




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Costs and Expenses
 Indemnities Indemnitee Indemnified Matters provided however
 Survival
 Limitation of Liability for Certain Damages
  30




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Lender-Creditor Relationship
 Right of Setoff provided however
 Marshaling; Payments Set Aside
 Notices
 Addresses
  31




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Effectiveness
 Governing Law
 Jurisdiction
 Submission to Jurisdiction
 Non-Exclusive Jurisdiction
 Waiver of Jury Trial Each party hereto hereby irrevocably waives trial by jury in
any suit, action or proceeding with respect to, or directly or indirectly arising out of, under or
in connection with, any Loan Document or the transactions contemplated therein or related thereto
(whether founded in contract, tort or any other theory). Each party hereto (A) certifies that no
other party and no Related Person of any other party has represented, expressly or otherwise, that
such other party would not, in the event of litigation, seek to enforce the foregoing waiver and
(B) ) acknowledges that it and the other parties hereto have been induced to enter into the
Loan Documents, as applicable, by the mutual waivers and certifications in this Section 10.12.
 Severability
  32




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Execution in Counterparts
 Entire Agreement
 Exculpation Provisions
 Exceptions to Covenants
  33




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Participation
 Patriot Act Notice
  34




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BORROWER:FIRST TRINITY CAPITAL CORPORATIONBy:
    /s/ Gregg ZahnGreg Zahn,President and Chief Executive OfficerBORROWER:FIRST TRINITY CAPITAL CORPORATIONBy:
    /s/ William LayW. Sherman Lay,Chief Financial OfficerGUARANTOR:FIRST TRINITY FINANCIAL CORPORATIONBy:
    /s/ Gregg ZahnGreg Zahn,President and Chief Executive OfficerGUARANTOR:FIRST TRINITY FINANCIAL CORPORATIONBy:
    /s/ William LayW. Sherman Lay,Chief Financial Officer  FIRST NATIONAL BANK OF MUSKOGEEBy:
    /s/ David W. WoodDavid W. WoodPresident  35




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SCHEDULE I




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SCHEDULE 4.2




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SCHEDULE 8.1




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SCHEDULE 8.2