Exhibit 10.45

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RENEWAL, EXTENSION AND MODIFICATION AGREEMENT

THIS RENEWAL, EXTENSION AND MODIFICATION AGREEMENT (Agreement) is entered into and effective
this 19thday of June, 2009, by and among PLAINS CAPITAL
CORPORATION, a Texas corporation (Borrower), and JPMORGAN CHASE BANK, NA, a national banking association [successor by merger to Bank One, NA (Illinois)] with its main office in Chicago, Illinois (Lender).
Unless otherwise defined herein or unless the context indicates otherwise, any word herein beginning with a capitalized letter shall have the meaning ascribed to such word in that certain Loan Agreement (as amended, the Loan
Agreement), dated as of September 22, 2004, between Borrower and Lender.

R E C I T A L S:

WHEREAS, Lender previously agreed to make a $6,000,000.00 term loan (the Loan) to Borrower, in accordance with and
subject to the terms and conditions of the Loan Agreement; and

WHEREAS, the Loan is evidenced by that certain Promissory Note
(the Note) dated as of September 22, 2004, made by Borrower and payable to the order of Lender in the maximum principal amount of $6,000,000.00; and

WHEREAS, the Note will mature in accordance with its terms on September 1, 2009 (the Current Maturity Date); and

WHEREAS, Borrower and Lender have now agreed, subject to the terms and conditions set forth herein, to extend the Current
Maturity Date for an additional year.

NOW, THEREFORE, for and in consideration of Ten Dollars ($10.00) and other good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged and agreed, Borrower and Lender hereby agree as follows:

Section 1.1 Acknowledgment of Outstanding Balance. The parties hereto acknowledge that the outstanding principal balance of the Note as of June 1, 2009, is THREE MILLION FIVE HUNDRED
THOUSAND AND NO/100 DOLLARS ($3,500,000.00).

Section 1.2 Extension. The Loan, and the maturity thereof, are
hereby extended to July 31, 2010.

Section 1.3 Amended and Restated Note. The Loan shall be evidenced and
governed by a new promissory note (the New Note) which amends and restates in its entirety, but does not extinguish, the Note. Anything to the contrary notwithstanding, if any inconsistency exists between the Loan Agreement and
the New Note, the New Note shall control.

Section 1.4 Definition of Loan Documents. The term Loan
Documents as defined in the Loan Agreement and as used in the Loan Agreement, the New Note, the other Loan Documents and herein, shall be, and hereby is, modified to include this Agreement and any and all other documents executed in connection
with this Agreement. All references to the term Loan Documents contained in the Loan Agreement, the New Note and the other Loan Documents are hereby modified and amended wherever necessary to reflect such modification of such term.



RENEWAL, MODIFICATION AND EXTENSION AGREEMENT



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ARTICLE II -
MISCELLANEOUS

Section 2.1 Conditions Precedent. On or prior to the date hereof and as conditions precedent to the
agreements of the Lender herein set forth, Borrower shall deliver to Lender: (i) a fully executed original of this Agreement and the New Note; and (ii) evidence satisfactory to Lender of the authority of Borrower to enter into this
Agreement and the New Note.

Section 2.2 Payment of Expenses. Borrower agrees to pay to Lender, upon demand, the
reasonable fees and expenses of Lenders counsel and other reasonable expenses incurred by Lender in connection with this Agreement.

Section 2.3 Acknowledgment by Borrower. Except as otherwise specified herein and by the other Loan Documents, the terms and provisions of the Loan Documents are ratified and confirmed and
shall remain in full force and effect, enforceable in accordance with their terms. Borrower hereby acknowledges, agrees and represents that (i) Borrower is indebted to Lender pursuant to the terms of the New Note and the Loan Documents as
modified hereby; (ii) the liens, security interests and assignments created and evidenced by the Loan Documents are, respectively, valid and subsisting liens, security interests and assignments of the respective dignity and priority recited in
the Loan Documents, including, without limitation, the liens, security interests and assignments set forth in the Security Agreement, and (iii) such liens, security interests and assignments secure the.

Section 2.4 Additional Documentation. From time to time, Borrower shall execute or procure and deliver to Lender such other and
further documents and instruments evidencing, securing or pertaining to the Loan or the Loan Documents as shall be reasonably requested by Lender so as to evidence or effect the terms and provisions hereof. Upon Lenders request, Borrower shall
cause to be delivered to Lender evidence of the authority of Borrower, and any constituents of Borrower, to execute and deliver this Agreement, and such other matters as reasonably requested by Lender.

Section 2.5 Binding Agreement. This Agreement shall be binding upon, and shall inure to the benefit of, the parties, respective
heirs, representatives, successors and assigns.

Section 2.6 Nonwaiver of Events of Default. Neither this
Agreement nor any other document executed in connection herewith constitutes or shall be deemed (i) a waiver of, or consent by Lender to, any default or event of default which may exist or hereafter occur under any of the Loan Documents,
(ii) a waiver by Lender of any of Borrowers obligations under the Loan Documents, or (iii) a waiver by Lender of any rights, offsets, claims, or other causes of action that Lender may have against Borrower.

Section 2.7 No Defenses. Borrower, by its execution of this Agreement, hereby declares that it has no set-offs, counterclaims,
defenses or other causes of action against Lender arising out of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action may exist, whether known or unknown, such
items are hereby waived by Borrower.

Section 2.8 Counterparts. This Agreement may be executed in several
counterparts, all of which are identical, each of which shall be deemed an original, and all of which counterparts together shall constitute one and the same instrument, it being understood and agreed that the signature pages may be detached from
one or more of such counterparts and combined with the signature pages from any other counterpart in order that one or more fully executed originals may be assembled.



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Section 2.9
Choice of Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS, EXCEPT TO THE EXTENT FEDERAL LAWS PREEMPT THE LAWS OF THE STATE OF TEXAS.

Section 2.10 Entire Agreement. This Agreement, together with the other Loan Documents, contain the entire agreements between the
parties relating to the subject matter hereof and thereof. This Agreement and the other Loan Documents may be amended, revised, waived, discharged, released or terminated only by a written instrument or instruments, executed by the party against
which enforcement of the amendment, revision, waiver, discharge, release or termination is asserted. Any alleged amendment, revision, waiver, discharge, release or termination which is not so documented shall not be effective as to any party.

THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES RELATED TO THE SUBJECT
MATTER HEREIN CONTAINED AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.



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IN WITNESS WHEREOF,
the parties hereto have duly executed this Agreement as of the date first above written.



LENDER:JPMORGAN CHASE BANK, NA, a national banking association [successor by merger to Bank One, NA (Illinois)]By:

/s/ Timothy K. JohnsonName:

Timothy K. JohnsonTitle:

SVPBORROWER:PLAINS CAPITAL CORPORATIONBy:

/s/ Jeff IsomName:

Jeff IsomTitle:

CFO




RENEWAL,
MODIFICATION AND EXTENSION AGREEMENT



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