Document:

Exhibit 10.8

                                 CORPORATE NOTE

     Dated: October 4, 2000
     Amount of Note: $15,000.00

     On October 4, 2000, for value received,  Torque Engineering Corporation,  a
     corporation organized under the laws of Deleware,  whose principal place of
     business is located at 2932 Thorne Drive,  Elkhart,  Indiana 46514, in this
     note referred to as  corporation,  promises to pay to Richard D. Wedel,  of
     3900 Woodcastle Road,  Evansville,  Indiana 47711, in this note referred to
     as payee,  the  amount of Fifteen  Thousand  Dollars  ($15,000.00)  without
     interest on or before June 30, 2001 hereof.

     If there is a default  on such  payment  when  due,  the  entire  amount of
     principal  and interest at the rate of Ten (10%) shall  become  immediately
     due and payable without notice.

     In witness whereof,  corporation has caused this note to be executed by its
     duly authorized officer.

     Torque Engineering Corporation

     By:        /s/ I. Paul Arcuri
                ------------------
                I. Paul Arcuri
                Vice President

     Accepted: /s/ Richard D. Wedel
               --------------------
               Richard D. WedelExhibit 10.9

                                 CORPORATE NOTE

     Dated: October 12, 2000
     Amount of Note: $15,000.00

     On  October  12  &  13,  2000,  for  value  received,   Torque  Engineering
     Corporation,  a  corporation  organized  under the laws of Deleware,  whose
     principal  place of  business  is located at 2932  Thorne  Drive,  Elkhart,
     Indiana 46514, in this note referred to as corporation,  promises to pay to
     AG & Associates of 4 Riviera  Avenue,  Coto De Cazo, CA 92679, in this note
     referred to as payee, the amounts of Twelve Thousand Dollars ($12,000.00) &
     Three Thousand Dollars ($3,000) respectively, without interest on or before
     June 30, 2001 hereof.

     If there is a default  on such  payment  when  due,  the  entire  amount of
     principal  and interest at the rate of Ten (10%) shall  become  immediately
     due and payable without notice.

     In witness whereof,  corporation has caused this note to be executed by its
     duly authorized officer.

     Torque Engineering Corporation

     By:        /s/ I. Paul Arcuri
                ------------------
                I. Paul Arcuri
                Vice President

     Accepted: /s/ Michael Attias
               --------------------
               Michael AtiasExhibit 10.10

                                 CORPORATE NOTE

     Dated: December 31, 2000

     Amount of Note: $11,656.39

     On December 31, 2000, for value received, Torque Engineering Corporation, a
     corporation organized under the laws of Deleware,  whose principal place of
     business is located at 2932 Thorne Drive,  Elkhart,  Indiana 46514, in this
     note referred to as  corporation,  promises to pay to Richard D. Wedel,  of
     3900 Woodcastle Road,  Evansville,  Indiana 47711, in this note referred to
     as payee,  the amount of Eleven  Thousand Six Hundred Fifty six Dollars and
     Thirty Nine cents ($11,656.39)  without interest on or before June 30, 2001
     hereof.

     If there is a default  on such  payment  when  due,  the  entire  amount of
     principal  and interest at the rate of Ten (10%) shall  become  immediately
     due and payable without notice.

     In witness whereof,  corporation has caused this note to be executed by its
     duly authorized officer.

     Torque Engineering Corporation

     By:        /s/ I. Paul Arcuri
                ------------------
                I. Paul Arcuri
                Vice President

     Accepted: /s/ Richard D. Wedel
               --------------------
               Richard D. WedelEXHIBIT 10.2

                          AMENDED EMPLOYMENT AGREEMENT

            This Amended Employment Agreement ("Agreement") is made and entered
into as of this 19th day of January 2000, by and between Great Southern Bank, a
Missouri Chartered Bank and Trust Company (which, together with any Successor
there to which executes and delivers the Assumption Agreement provided for in
Section 11(2) thereof or which otherwise becomes found by the terms and
provisions of this Agreement by Operation of Law is hereinafter referred to as
the "Company"), and William V. Turner, whose residence is 772 Augusta Drive,
Springfield Missouri 65809 (the Employee).

            WHEREAS, the Board of Directors of the Company has approved and
authorized the Modification and execution of this Agreement with the Employee to
take effect on January 19, 2000;

            NOW, THEREFORE, it is AGREED as follows:

o     The Employee is currently serving as Chairman of the Board of Directors;
o     The Employee's base salary shall be $168,760 per year;
o     All references to the Resolution Trust Company and the Office of Thrift
      Supervision are deleted and replaced by Federal Deposit Insurance
      Corporation and the Division of Finance of the State of Missouri.
o     All other terms and conditions of the original Employment Agreement dated
      February 1, 1990 shall remain as written and agreed to.

            IN WITNESS WHEREOF, the parties have executed this Agreement as of
      the day and year first above written.

            THE ORIGINAL AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION
      WHICH MAY BE ENFORCED BY THE PARTIES, and continues with this AMENDMENT.

                                        By: GREAT SOUTHERN BANK

                                            /s/ Don M. Gibson
                                            ------------------------------------
                                            Don M. Gibson, Secretary

                                            EMPLOYEE:

                                            /s/ William V. Turner
                                            ------------------------------------
                                            William V. TurnerEXHIBIT 10.4

                          AMENDED EMPLOYMENT AGREEMENT

            This Amended Employment Agreement ("Agreement") is made and entered
into as of this 19th day of January 2000, by and between Great Southern Bank, a
Missouri Chartered Bank and Trust Company (which, together with any Successor
there to which executes and delivers the Assumption Agreement provided for in
Section 11(2) thereof or which otherwise becomes found by the terms and
provisions of this Agreement by Operation of Law is hereinafter referred to as
the "Company"), and Joseph W. Turner, whose residence is 772 Augusta Drive,
Springfield Missouri 65809 (the Employee).

            WHEREAS, the Board of Directors of the Company has approved and
authorized the Modification and execution of this Agreement with the Employee to
take effect on January 19, 2000;

            NOW, THEREFORE, it is AGREED as follows:

o     The Employee is currently serving as President, Chief Executive Officer
      and General Counsel;
o     The Employee's base salary shall be $162,000 per year. The Employee shall
      receive an annual bonus based on the pre-tax profits of the Company;
o     All references to the Resolution Trust Company and the Office of Thrift
      Supervision are deleted and replaced by Federal Deposit Insurance
      Corporation and the Division of Finance of the State of Missouri.
o     All other terms and conditions of the original Employment Agreement dated
      July 1, 1993 shall remain as written and agreed to.

            IN WITNESS WHEREOF, the parties have executed this Agreement as of
      the day and year first above written.

            THE ORIGINAL AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION
      WHICH MAY BE ENFORCED BY THE PARTIES, and continues with this AMENDMENT.

                                        By: GREAT SOUTHERN BANK

                                            /s/ Don M. Gibson
                                            ------------------------------------
                                            Don M. Gibson, Secretary

                                            EMPLOYEE:

                                            /s/ Joseph W. Turner
                                            ------------------------------------
                                            Joseph W. TurnerExecuted this 8th day of October, 1999.                  No. 8100202048

Amount $15,000,000.00                                    Due: As described below

      On or before 11/01/2000 the Undersigned, jointly and severally, if more
than one, for value received, promises to pay to the order of LaSalle Bank
National Association (hereinafter, together with any holder thereof, called
"Bank"), at the main office of the Bank, located at 135 S. LaSalle St., Chicago,
IL 60603, the principal sum of **Fifteen Million Dollars DOLLARS
($15,000,000.00) or if less, the aggregate unpaid principal amount of all loans
made by the Bank, to the Undersigned. The unpaid principal amount hereof shall
bear interest at the rate of **% per annum. Interest shall be payable
from the date hereof on the aggregate unpaid principal amount of all loans made
by the Bank to the Undersigned as follows: (check one) XX quarterly, or ____
monthly beginning February 01, 2000 and continuing (check one) XX quarterly,
or ____ monthly thereafter, and at maturity hereof. Interest after maturity
(whether by reason of acceleration or otherwise) shall be paid on the unpaid
balance at the rate of P+ 2.0000% per annum. If the designation of said rate
includes the letter "R" or the term "Reference," such letter or term shall mean
the "Reference Rate," which at any time, and from time to time, shall be the
rate of interest then most recently announced by the Bank as its Reference Rate,
which is not necessarily the Bank's lowest or most favorable rate of interest at
any one time. Each change in the interest rate hereon shall take effect on the
effective date of the change in the Reference Rate. The Bank shall not be
obligated to give notice of any change in the Reference Rate. The Reference Rate
shall be computed on the basis of a year consisting of 360 days and shall be
paid for the actual number of days elapsed, unless otherwise specified herein.

      The Undersigned, and each one of them, hereby authorize the Bank to charge
any account of the Undersigned, and each one of them, for all sums due
hereunder. Principal payments submitted in funds not available until collected
shall continue to bear interest until collected. If payment hereunder becomes
due and payable on a Saturday, Sunday or legal holiday under the laws of the
United States or the State of Illinois, the due date thereof shall be extended
to the next succeeding business day, and interest shall be payable thereon at
the rate specified during such extension.

      This Note is executed pursuant to a revolving line of credit under which
Undersigned is indebted to Bank and evidences the aggregate unpaid principal
amount of all advances made or to be made by Bank to Undersigned under the Note.
All advances and repayments hereunder shall be evidenced by entries on the books
and records of Bank which shall be presumptive evidence of the principal amount
and interest owing and unpaid on this Note, or any renewal or extension hereof.
The failure to so record any such amount or any error so recording any such
amount shall not, however, limit or otherwise affect the obligations of the
Undersigned hereunder or under any note to repay the principal amount of the
liabilities together with all interest accruing thereon.

      Advances under this Note may be made by Bank upon oral or written request
of any person whose authority to so act has not been revoked by the Undersigned,
by the writing theretofore received by Bank at its main office. Any such
advances shall be conclusively presumed to have been made by Bank to or for the
benefit of the Undersigned. The Undersigned does hereby irrevocably confirm,
ratify and approve all such advances by Bank and does hereby indemnify Bank
against losses and expenses (including court costs, attorneys' and
paralegals' fees) and shall hold Bank harmless with respect thereto.

      As security for the payment of this Note and any and all other liabilities
and obligations of the Undersigned, or any one of them, (and of any partnership
in which any of the Undersigned, or any one of them, is or may be a partner) to
Bank, howsoever created, arising or evidenced, and howsoever owned, held or
acquired, whether now or hereafter existing, whether now due or to become due,
whether direct to indirect, or absolute or contingent, and whether several,
joint or joint and several (all of which liabilities and obligations, including
this Note, are hereinafter called the "Obligations"), the Undersigned, jointly
and severally, do hereby pledge, assign, transfer and deliver to Bank and do
hereby grant to Bank a continuing security interest in and to 100% of the common
stock of Great Southern Bank and any stock splits, substitutions, proceeds or
dividends thereof.

      **See Attached Rider.

      (If no additional property is hereby pledged, insert the word "none" in
the space indicated above. If additional property is pledged, and a Rider is
attached hereto, the Rider shall constitute by express reference, a part
hereof.)

      All of the aforesaid property and the products and proceeds therefrom,
including the proceeds of insurance thereon, are herein collectively called the
"Collateral". The terms used herein to identify the Collateral shall have the
respective meanings assigned to such terms as of the date hereof in the Illinois
Uniform Commercial Code. The cancellation or surrender of this Note, upon
payment or otherwise, shall not affect the right of the Bank to retain the
Collateral for any other of the Obligations.

      If the Collateral, or any part thereof, is real estate, all covenants,
conditions and agreements contained in any such mortgage or other instrument
encumbering the real estate, hereby are incorporated herein by express
reference, and a default thereunder shall be and constitute a default under this
Note and any other of the Obligations. If a separate security agreement is
executed by the Undersigned in conjunction with this Note, or any other of the
Obligations, all covenants, conditions and agreements contained in the security
agreement are hereby incorporated herein by express reference and a default
thereunder shall be and constitute a default under this Note and any other of
the Obligations.

      The Bank's security interests in each of the foregoing Collateral shall be
valid, complete and perfected whether or not the same shall be covered by a
specific assignment.
<PAGE>

      The Bank shall have exercised reasonable care in the custody and
preservation of the Collateral if it takes such action for that purpose as the
Undersigned, or any one of them, shall reasonably request in writing, provided
that such request shall not be inconsistent with Bank's status as a secured
party, but the failure to comply with any such request shall not be deemed a
failure to exercise reasonable care. No failure of Bank to preserve or protect
any rights with respect to the Collateral against prior or third parties, or to
do any act with respect to preservation of the collateral, not so requested by
the Undersigned, or any of them, shall be deemed a failure to exercise
reasonable care in the custody or preservation of the Collateral. The
Undersigned, or any one of them, shall have the sole responsibility for taking
such action as may be necessary, from time to time, to preserve all rights of
the Undersigned, or any one of them, and Bank in the Collateral against prior or
third parties. Without limiting the generality of the foregoing, where
Collateral consists in whole or in part of securities, the Undersigned, and each
one of them, represent to, and covenant with, the Bank that the Undersigned, and
each one of them, has made arrangements for keeping informed of changes or
potential changes affecting the securities (including, but not limited to,
rights to convert, rights to subscribe, payment of dividends, reorganization or
other exchanges, tender offers and voting rights), and the Undersigned, and each
one of them, agree that the Bank shall have no responsibility or liability for
informing the Undersigned, or any one of them, of any such or other changes or
potential changes or for taking any action or omitting to take any action with
respect thereto.

      All obligations of the Undersigned, or any one of them, and all rights,
powers and remedies of the Bank, expressed herein shall be in addition to, and
not in limitation of, those provided by law or in any written agreement or
instrument (other than this Note) relating to any of the Obligations or any
security therefor. In addition to all other rights possessed by it, the Bank
may, from time to time, after default (as hereinafter provided), at its sole
discretion, and without notice to the Undersigned, or any one of them, take any
or all of the following actions: (1) transfer the whole or any part of
securities which may constitute Collateral into the name of itself or its
nominee without disclosing, if the Bank so desires, that such securities so
transferred are subject to the security interest granted hereunder, and any
corporation or association, or any of the managers or trustees of any trust,
issuing any of said securities, or any transfer agent, shall not be bound to
inquire, in the event that the Bank or said nominee makes any further transfer
of said securities, or any portion thereof, as to whether the Bank or the
nominee of the Bank has the right to make such further transfer, and shall not
be liable for transferring the same; (2) notify any obligors on any of the
Collateral to make payment to the Bank of any amounts due or to become due with
respect thereto; (3) enforce collection of any of the Collateral by suit or
otherwise, or surrender, release or exchange all or any part thereof; (4) take
possession or control of any proceeds and products of any of the Collateral,
including the proceeds of insurance thereon; (5) extent or renew or modify for
one or more periods (whether or not longer than the original period) this Note,
or any other of the Obligations, or any obligation of any nature of any obligor
with respect to this Note, or any other of the Obligations, or any of the
Collateral, and grant any releases, compromises or indulgences with respect to
this Note, or any other of the Obligations, or any extension or renewal thereof,
or any security therefor, or to any obligor hereunder or thereunder; (6) vote
the Collateral; (7) make an election with respect to the Collateral under
Section 1111 of the United States Bankruptcy Code or take action under Section
364 or any other section of the United States Bankruptcy Code, now existing or
hereafter amended; provided, however, that any such action of the Bank as herein
set forth shall not, in any manner whatsoever, impair or affect the liability
hereunder, nor prejudice, nor waive, nor be construed to impair, affect,
prejudice or waive Bank's rights and remedies at law, in equity or by statute,
nor release or discharge, nor be construed to release or discharge, the
Undersigned, or any one of them, or any guarantor or other person, firm,
corporation or other entity liable to the Bank for the Obligations and
indebtedness, whether now existing or hereafter created or arising; (8) at any
time, and from time to time, accept additions to, releases, reductions,
exchanges or substitution of the Collateral, without in any way altering,
impairing, eliminating or affecting the provisions of this Note, or any of the
other Obligations, or the Bank's rights hereunder and under any of the other
Obligations.

      The Undersigned, and each one of them, shall be in default hereunder if:
(1) any amount payable on any of the Obligations, or on the obligations of any
obligor hereunder, is not paid when due; or (2) the Undersigned, or any one of
them, shall otherwise fail to perform any of the promises to be performed by the
Undersigned, or any one of them, hereunder or under any other security agreement
or other agreement with Bank; or (4) the Undersigned, or any one of them, or any
other party liable with respect to the Obligations, or any guarantor or
accommodation endorser or third party pledger, shall make any assignment for the
benefit of creditors, or there shall be commenced any bankruptcy, receivorship,
insolvency, reorganization, dissolution or liquidation proceedings by or
against, or the entry of any judgement, levy, attachment, garnishment or other
process, of the filing of any lien against any of the Undersigned or any
guarantor, or any other party liable with respect to the Obligations, or
accommodation endorser or third party pledger for any of the Obligations, or
against any of the Collateral or any of the collateral under a separate security
agreement signed by any one of them; or (6) this Note is secured by an
additional or separate security agreement, then the occurrence of any default
thereunder; or (8) the determination by the Bank that a material adverse change
has occurred in the financial condition of the Undersigned from the condition
set forth in the most recent financial statement of the Undersigned furnished to
the Bank, or from the financial condition of the Undersigned most recently
disclosed to Bank in any manner; or (9) any oral or written warranty,
representation, certificate or statement of the Undersigned to the Bank is
untrue; or (10) the failure to do any act necessary to preserve and maintain the
value and collectability of the Collateral; or (11) failure of the Undersigned
after request by the Bank to furnish financial information or to permit the
inspection by the Bank of the Undersigned's books and records; or (12) any
guarantor of this Note or of any of the other Obligations shall contest the
validity of such guaranty; or (13) the occurrence of any material adverse event
which causes a change in the financial condition of the Undersigned, or which
would have a material adverse effect on the business of the Undersigned. The
Bank shall provide the Undersigned with 5 days' written notice and opportunity
to cure in connection with any monetary defaults and 10 days' notice and
opportunity to cure in connection with any non-monetary defaults.

      Whenever the Undersigned, or any one of them, shall be in default as
aforesaid, without demand or notice of any kind, the entire unpaid amount of all
Obligations shall become immediately due and payable, and: (1) Bank may sell all
or any of the Collateral at public or private sale, upon such terms and
conditions as Bank may deem proper, and Bank may purchase any or all of the
Collateral at any such sale, and Bank may apply the net proceeds, after
deducting all costs, expenses, attorneys' and paralegals' fees incurred or paid
at any time in the collection, protection and sale of the Collateral and the
Obligations, to the payment of this Note and/or any of the other Obligations,
returning the excess proceeds, if any, to the Undersigned, or any one of them,
the Undersigned and each one of them, remaining jointly and severally liable for
any amount remaining unpaid after such application, with interest; and (2) Bank
may exercise, from time to time, any and all rights and remedies available to it
under the Uniform Commercial Code of Illinois, or otherwise available to it,
including those available under any written instrument (in addition to this
Note) relating to any of the Obligations or any security therefor, and may,
without demand or notice of any kind, appropriate and apply toward the payment
of such of the Obligations, whether matured or unmatured, including costs of
collection and attorneys' and paralegals' fees, and in such order of application
as the Bank may, from time to time, elect, any balances, credits, deposits,
accounts or moneys of the Undersigned in possession, control or custody of, or
in transit to the Bank. Any notification of intended disposition of any of the
Collateral required by law shall be conclusively deemed reasonably and properly
given if given at least five (5) calendar days before such disposition hereby
confirming, approving and ratifying all acts and deeds of the Bank relating to
the foregoing, and each part thereof.

      THE UNDERSIGNED, AND EACH ONE OF THEM, WAIVES THE BENEFIT OF ANY LAW THAT
WOULD OTHERWISE RESTRICT OR

<PAGE>

LIMIT BANK IN THE EXERCISE OF ITS RIGHT, WHICH IS HEREBY ACKNOWLEDGED, TO
APPROPRIATE WITHOUT NOTICE AND REGARDLESS OF THE COLLATERAL, AT ANY TIME
HEREAFTER, ANY INDEBTEDNESS MATURED OR UNMATURED, OWING FROM BANK TO THE
UNDERSIGNED, OR ANY OF THEM. THE BANK MAY, FROM TIME TO TIME, WITHOUT DEMAND OR
NOTICE OF ANY KIND, APPROPRIATE AND APPLY TOWARD THE PAYMENT OF SUCH OF THE
OBLIGATIONS, AND IN SUCH ORDER OF APPLICATION, AS THE BANK MAY, FROM TIME TO
TIME, ELECT. ANY AND ALL SUCH BALANCES, CREDITS, DEPOSITS, ACCOUNTS, MONEYS,
CASH EQUIVALENTS AND OTHER ASSETS, OF OR IN THE NAME OF THE UNDERSIGNED, OR ANY
ONE OF THEM, THEN OR THEREAFTER WITH THE BANK. THE UNDERSIGNED, AND EACH ONE OF
THEM, DO HEREBY ASSIGN AND TRANSFER TO THE BANK ANY AND ALL CASH, NEGOTIABLE
INSTRUMENTS, DOCUMENTS OF TITLE, CHATTEL PAPER, SECURITIES, CERTIFICATES OF
DEPOSIT, DEPOSIT ACCOUNTS, OTHER CASH EQUIVALENTS AND OTHER ASSETS OF THE
UNDERSIGNED, OR ANY ONE OF THEM IN THE POSSESSION OR CONTROL OF THE BANK FOR ANY
PURPOSE.

      WITH THE EXCEPTION OF MATTERS ARISING FROM THE GROSS NEGLIGENCE OR WILLFUL
MISCONDUCT OF THE BANK, THE UNDERSIGNED, AND EACH ONE OF THEM, WAIVE EVERY
DEFENSE, CAUSE OF ACTION, COUNTERCLAIM OR SETOFF WHICH THE UNDERSIGNED, OR ANY
ONE OF THEM, MAY NOW HAVE OR HEREAFTER MAY HAVE TO ANY ACTION BY BANK IN
ENFORCING THIS NOTE AND/OR ANY OF THE OTHER OBLIGATIONS, OR THE COLLATERAL AND
RATIFY AND CONFIRM WHATEVER BANK MAY DO PURSUANT TO THE TERMS HEREOF AND WITH
RESPECT TO THE COLLATERAL AND AGREE THAT BANK SHALL NOT BE LIABLE FOR ANY ERROR
OF JUDGEMENT OR MISTAKES OF FACT OR LAW. THE BANK AND THE UNDERSIGNED, AND EACH
ONE OF THEM, KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE IRREVOCABLY, THE
RIGHT EITHER OR ANY MAY HAVE TO TRIAL BY JURY WITH RESPECT TO ANY LEGAL
PROCEEDINGS BASED HEREON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS
NOTE OR ANY OF THE OTHER OBLIGATIONS, OR THE COLLATERAL, OR ANY AGREEMENT
EXECUTED OR CONTEMPLATED TO BE EXECUTED IN CONJUNCTION HEREWITH OR ANY COURSE OF
CONDUCT OR COURSE OF DEALING, IN WHICH THE BANK AND THE UNDERSIGNED, OR ANY ONE
OF THEM, ARE ADVERSE PARTIES. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE
BANK GRANTING ANY FINANCIAL ACCOMMODATION TO THE UNDERSIGNED, OR ANY ONE OF
THEM.

      The Undersigned, and any other party liable with respect to the
Obligations, any guarantors, and any and all endorsers and accommodation
parties, and each one of them, waive any and all presentment, demand, notice of
dishonor, protest and all other notices and demands in connection with the
enforcement of Bank's rights hereunder, and hereby consent to, and waive notice
of release with or without consideration, of any of the Undersigned or of any
collateral. No default shall be waived by the Bank except in writing. No delay
on the part of the Bank in the exercise of any right or remedy shall operate as
a waiver thereof, and no single or partial exercise by the Bank of any right or
remedy shall preclude other or further exercise thereof, or the exercise of any
other right or remedy. This Note: (i) is valid, binding and enforceable in
accordance with its provisions, and no conditions exist to the legal
effectiveness of this Note; (ii) contains the entire agreement between the
Undersigned and Bank; (iii) is the final expression of their intentions; and
(iv) supercedes all negotiations, representations, warranties, commitments,
offers, contracts (of any kind or nature, whether oral or written) prior to or
contemporaneous with the execution hereof. No prior or contemporaneous
representations, warranties, understandings, offers or agreements of any kind or
nature, whether oral or written had been made by Bank or relied upon by the
Undersigned in connection with the execution hereof. No modification, discharge,
termination or waiver of any of the provisions hereof shall be binding upon the
Bank, except as expressly set forth in writing duly signed and delivered on
behalf of the Bank.

      The Undersigned, and each one of them, jointly and severally, agree to pay
all costs, legal expenses, attorneys' fees and paralegals' fees of every kind,
paid or incurred by Bank in enforcing its rights hereunder, including, but not
limited to, litigation or proceedings initiated under the United States
Bankruptcy Code, or in respect to any other of the Obligations, or in connection
with the Collateral or in defending against any defense, cause of action,
counterclaim, setoff or crossclaim based on any act of commission or omission by
the Bank with respect to this Note or any other of the Obligations or
Collateral, or both, promptly on demand of Bank or other person paying or
incurring the same.

      The Bank may at any time transfer this Note and Bank's rights in any or
all of the Collateral, and Bank thereafter shall be relieved from all liability
with respect to such Collateral.

      TO INDUCE THE BANK TO MAKE THE LOAN EVIDENCED BY THIS NOTE, THE
UNDERSIGNED (AND EACH ONE OF THEM, IF MORE THEN ONE) IRREVOCABLY AGREES THAT,
ALL ACTIONS ARISING DIRECTLY OR INDIRECTLY AS A RESULT OR IN CONSEQUENCE OF THIS
NOTE OR ANY OTHER AGREEMENT WITH THE BANK, OR THE COLLATERAL SHALL BE INSTITUTED
AND LITIGATED ONLY IN COURTS HAVING SITUS IN THE CITY OF CHICAGO, ILLINOIS, AND
THE UNDERSIGNED (OR ANY, IF MORE THAN ONE) HEREBY CONSENTS TO THE EXCLUSIVE
JURISDICTION AND VENUE OF ANY STATE OR FEDERAL COURT LOCATED AND HAVING ITS
SITUS IN SAID CITY, AND WAIVES ANY OBJECTION BASED ON FORUM NONCONVENIENS, AND
THE UNDERSIGNED (OR ANY IF MORE THAN ONE) HEREBY WAIVES PERSONAL SERVICE OF ANY
AND ALL PROCESS, AND CONSENTS THAT ALL SUCH SERVICE OF PROCESS MAY BE MADE BY
CERTIFIED MAIL, RETURN RECEIPT REQUESTED, DIRECTED TO THE UNDERSIGNED AT THE
ADDRESS INDICATED IN THE BANK'S RECORDS IN THE MANNER PROVIDED BY APPLICABLE
STATUTE, LAW, RULE OF COURT OR OTHERWISE. FURTHERMORE THE UNDERSIGNED, AND EACH
ONE OF THEM, WAIVE ALL NOTICES AND DEMANDS IN CONNECTION WITH THE ENFORCEMENT OF
THE BANK'S RIGHTS HEREUNDER, AND HEREBY CONSENT TO, AND WAIVE NOTICE OF THE
RELEASE WITH OR WITHOUT CONSIDERATION OF ANY OF THE UNDERSIGNED OR OF ANY
COLLATERAL.

      No action shall be commenced by the Undersigned for any claim against the
Bank under the Obligations as herein defined unless a written notice
specifically setting forth said claim shall have been given to the Bank within
thirty (30) days after the occurrence of the event which the Undersigned alleges
gave rise thereto. Failure to give such notice shall constitute a waiver of any
such claim.

      The loan evidenced hereby has been made and this Note has been delivered
at the Bank's main office. This Note shall be governed and construed in
accordance with the laws of the State of Illinois, in which state it shall be
performed, and shall be binding upon the Undersigned, and each one of them, and
their respective heirs, legal representatives, successors and assigns. If this
Note contains any blanks when executed by the Undersigned, or any one of them,
the Bank is hereby authorized, without notice to the Undersigned, or any one of
them, to complete any such blanks according to the terms upon which the loan or
loans were granted. Wherever possible, each provision of this Note shall be
interpreted in such manner as to be effective and valid under applicable law.
But if any provision of this Note shall be prohibited by or be invalid under
such law, such provision shall be severable, and be ineffective to the extent of
such prohibition or invalidity, without invalidating the remaining provisions of
this Note. If more than one party shall execute this Note, the term
"Undersigned" as used herein shall mean all parties signing this Note, and each
one of them, and all such parties, their respective heirs, executors,
administrators, successors and assigns, shall be, jointly and severally,
obligated hereunder.

      If the Undersigned is a corporation, the Undersigned represents and
warrants to Bank that the execution and delivery of this Note has been duly
authorized by resolutions heretofore adopted by its Board of Directors and
Shareholders in accordance with law and its bylaws, that said resolutions have
not been amended nor rescinded are in full force and effect and that the
officer or officers executing and delivering this Note for and on behalf of the
Undersigned, is/are duly authorized so to act. Bank, in extending financial
accommodations to the Undersigned, is expressly acting and relying upon the
aforesaid representations and warranties.

      The Undersigned, and each one of them (if more than one), acknowledge and
agree that the lending relationship hereby created with the Bank is and has been
conducted on an open and arm's length basis in which no Fiduciary relationship
exists and that the Undersigned, and each one of them (if more than one)
has not relied and is not relying on any such fiduciary relationship in
consummating the loan(s) evidenced by this Note.

      As used herein, all provisions shall include the masculine, feminine,
neuter, singular and plural thereof, wherever the context and facts require
such construction and in particular the word "Undersigned" shall be so
construed.

<PAGE>

IN WITNESS WHEREOF, each of the Undersigned, if more than one, has executed this
Note on the date above set forth.

(INDIVIDUALS SIGN BELOW)           (CORPORATION OR PARTNERSHIP SIGN BELOW)
                                        GREAT SOUTHERN BANCORP, INC.

-----------------------            ---------------------------------------------
Name:                              Name of Corporation or Partnership:
                                   1451 E. Battlefield
-----------------------            ---------------------------------------------
Address:                           Address:
                                   Springfield,             MO    65804
-----------------------            ---------------------------------------------
                                   By:  /s/ Don M. Gibson
Name:                              ------------------------------------------
                                   Name: Don M. Gibson
-----------------------            Title:   Vice Chairman
Address:
                                   If a corporation signature shall be attested
-----------------------            and corporate seal shall be affixed as
                                   follows:
-----------------------
Name:                              ATTEST:

-----------------------                               [SEAL]
Address:
                                   By: William V. Turner
-----------------------               ------------------------------------------
                                       Name: William V. Turner
                                       Title: Chairman
STATE OF   MO     )
          --------) SS
COUNTY OF GREENE  )
          --------

I, James Kimler, a Notary Public in and for the State and County aforesaid,
do hereby certify that before me this day personally appeared William V. Turner
& Don Gibson.

(a)(For Corporation) known to me to be the Chairman and Vice Chairman of Great
Southern Bancorp, Inc., a corporation and each (b) (For Partnership) known to me
to be one of the partners of the partnership that executed the above and
foregoing Agreement and (c) (For Individual) known to me to be the same
person(s) whose name is/are subscribed to the above and foregoing Agreement, and
acknowledge to me that he/she (they) executed and delivered the above and
foregoing Agreement as his/her(their) free and voluntary act, for the uses and
purposes set forth in said Agreement.

GIVEN under my hand and notarial seal this 28 day of October 1999.

                        /s/ James Kimler
                        ---------------------------------------
                              Notary Public
                        My Commission Expires: 9-25-00
                                              -----------

<PAGE>

                RIDER ATTACHED TO AND MADE A PART OF THAT CERTAIN
       $15,000,000 REVOLVING NOTE DATED AS OF OCTOBER 8, 1999 (THE "NOTE")
                 BY GREAT SOUTHERN BANCORP, INC. (THE "MAKER")
           PAYABLE TO LASALLE BANK NATIONAL ASSOCIATION (THE "BANK")

The following provisions are hereby added to the Note and made a part thereof as
if fully set forth therein. Capitalized words used herein without a definition
have the respective meanings assigned to such terms in the Note.

      1. Minimum Loan Advances. All loan advances under this Note shall be in a
minimum amount of $500,000.

      2. Interest Rate. The outstanding principal amount of this Note
outstanding from time to time shall bear interest at the Interest Rate (as
defined below). Interest shall be calculated on the basis of a year consisting
of 360 days and shall be paid for the actual number of days elapsed. As used
herein, the phrase "Interest Rate" shall mean, as applicable, the Prime Rate or
the LIBOR Rate.

      3. Prime Rate. Subject to the right of Maker to convert the interest rate
as provided in Section 4 below, the principal balance of this Note outstanding
from time to time shall bear interest at the Prime Rate minus 1.40% per annum.
As used herein, the phrase "Prime Rate" means the rate in effect from time to
time as set by the Bank and called its Prime Rate. The effective date of any
change in the Prime Rate shall for purposes hereof be the date the rate is
changed by the Bank. The Bank shall not be obligated to give notice of any
change in the Prime Rate.

      4. Interest Rate Conversion Option. (a) Notwithstanding the foregoing, the
Maker shall provide the Bank with written or oral notice to elect the LIBOR Rate
(as defined below) plus one and one-quarter percent (1.25%). Advances for LIBOR
Rate loans shall be in minimum amounts of $500,000.

      (b) LIBOR Rate. (i) For purposes hereof, the phrase "LIBOR Rate" means the
per annum rate of interest at which U.S. dollar deposits in an amount comparable
to the amount of the relevant LIBOR Rate loan and for a period equal to the
relevant "Interest Period" (hereinafter defined) are offered generally to the
Bank (rounded upward if necessary, to the nearest 1/16 of 1.00%) in the London
Interbank Eurodollar market at 11:00 a.m. (London time) two banking days prior
to the commencement of each Interest Period, such rate to remain fixed for such
Interest Period; and "Interest Period" shall mean successive one, two, three or
sixth month periods as selected from time to time by the Maker by notice given
to the Bank not less than three banking days prior to the first day of each
respective Interest Period; provided that: (a) each such one, two, three or
sixth month period occuring after such initial period shall commence on the day
on which the next preceding period expires; (b) the final Interest Period shall
be such that its expiration occurs on or before the stated maturity date of the
Note; and (c) if for any reason the Maker shall fail to select an Interest
Period on a timely basis, then it shall be deemed to have selected a one month
Interest Period, with the exception that if at any time an Interest Period

<PAGE>

expires less than one month before the maturity date of the Note, then, for the
period commencing on such expiration date and ending on the maturity date, such
LIBOR Rate shall convert to a loan bearing interest at the Prime Rate.

      (ii) The Bank's determination of LIBOR as provided above shall be
conclusive, absent manifest error. Furthermore, if the Bank determines, in good
faith (which determination shall be conclusive, absent manifest error), prior to
the commencement of any Interest Period that (a) U.S. dollar deposits of
sufficient amount and maturity for funding any LIBOR Rate loan are not available
to the Bank in the London Interbank Eurodollar market in the ordinary course of
business, or (b) by reason of circumstances affecting the London Interbank
Eurodollar market, adequate and fair means do not exist for ascertaining the
rate of interest to be applicable to the relevant LIBOR Rate loan, the Bank
shall promptly notify the Maker and such LIBOR Rate loan shall automatically
convert on the last day of its then-current Interest Period to a loan bearing
interest at the Prime Rate. If after the date hereof either (a) the introduction
of, or any change in any applicable law, treaty, rule, regulation or guideline
or in the interpretation or administration thereof by any governmental
regulation or any central bank or other fiscal, monetary or other authority
having jurisdiction over the Bank or its lending office (a "Regulatory Change"),
shall, in the opinion of counsel to the Bank, makes it unlawful for the Bank to
make or maintain any LIBOR Rate loan evidenced hereby or (b) for any other
reason the LIBOR Rate loan funding becomes unavailable to the Bank, then the
Bank shall promptly notify the Maker and such LIBOR Rate loan shall
automatically convert on the last day of its then-current Interest Period to a
loan bearing interest at the Prime Rate minus one and four-tenths of one percent
(-1.40%).

      (iii) If, for any reason, any LIBOR Rate loan is paid prior to the last
banking day of its then-current Interest Period, the Maker agrees to indemnify
the Bank against any loss (including any loss on redeployment of the funds
repaid), cost or expense incurred by the Bank as a result of such prepayment. Of
any Regulatory Change (whether or not having the force of law) shall (a) impose,
modify or deem applicable any assessment, reserve, special deposit or similar
requirement against assets held by, or deposits in or for the account of or
loans by, any other acquisition of funds or disbursements by, the Bank; (b)
subject the Bank or any LIBOR Rate loan to any tax, duty, charge, stamp tax or
fee or change the basis of taxation of payment to the Bank of principal or
interest due from the Maker to the Bank hereunder (other than a change of the
taxation of the overall net inform of the Bank); or (c) impose on the Bank any
other condition regarding such LIBOR Rate loan or the Bank's funding thereof,
and the Bank shall determine (which determination shall be conclusive, absent
manifest error) that the result of the foregoing is to increase the cost to the
Bank of making or maintaining such LIBOR Rate loan or to reduce the amount of
principal or interest received by the Bank hereunder, then the Maker shall pay
the Bank, on demand, such additional amounts as the Bank shall, from time to
time, determine are sufficiant to compensate and indemnify the Bank for such
increased cost or reduced amount.

If Maker shall fail to indicate an interest rate option as aforesaid for any
loan advance, such advance shall be deemed to bear interest at the Prime Rate
option as set forth above.

                                       1
<PAGE>

      5. Interest Payments. Interest on the unpaid principal balance of this
Note, whether bearing interest at the Prime Rate or LIBOR Rate, shall be payable
quarterly beginning on February 1, 2000. Any amount of principal or interest
which is not paid when due, whether at the stated maturity, by acceleration or
otherwise, shall bear interest payable on demand at an interest rate per annum
equal at all times to the then applicable Interest Rate plus two percent (2%).

      6. Principal Payments. Prepayments of Prime Rate loans are permitted at
any time, together with all interest accrued thereon to the date of prepayment,
without premium or penalty.

      7. Commitment Fee. Maker shall pay to the Bank a commitment fee in the
amount of one-quarter of one percent (1/4%) per annum of the unused portion of
the loan commitment evidenced by this Note, which fee shall be payable
quarterly, in arrears, beginning on March 1, 2000.

      8. Indebtedness Prohibited. Maker shall not, directly or indirectly, be
liable for, create, assume, incur or permit to exist any indebtedness whether as
primary obligor, guarantor, surety or otherwise, including, without limitation,
purchase money indebtedness except (a) indebtedness in favor of the Bank, and
(b) indebtedness for liens for taxes or other governmental charges incurred in
the ordinary course of business.

      9. Reports. Maker shall maintain a standard and modern system of
accounting, on the accrual basis of accounting and in all respects in accordance
with generally accepted accounting principles ("GAAP"), and shall furnish to the
Bank or its authorized representatives such information respecting the business
affairs, operations and financial condition of the Maker as may be reasonably
requested. Maker shall also deliver to the Bank the following:

            (A) Within forty-five (45) days after the end of each accounting
      quarter, a Call Report on Maker or any subsidiary as furnished to the
      appropriate regulatory authority, all in reasonable detail and certified
      by a principal financial officer of Maker that the statements fairly
      present the financial condition of Maker or any subsidiary as of the
      balance sheet date and the results of their operations for the period
      shown; and

            (B) Within one hundred twenty (120) days after the end of the end of
      the fiscal year of Maker, a copy of the annual audit report of Maker and
      any subsidiary, prepared in conformity with generally accepted accounting
      principles applied on a basis consistent with that of the preceding fiscal
      year, prepared, signed by and bearing an unqualified opinion of
      independent certified public accountants satisfactory to Bank; and

            (C) Promptly upon receipt thereof, copies of any other report
      submitted to Maker or its subsidiaries by certified public accountants in
      connection with any annual or interim audit of the books made by such
      accountants as from time to time may be reasonably requested by Bank; and

                                       3
<PAGE>

            (D) Promptly upon Bank's request, copies of all financial statements
      and reports sent by Undersigned or its subsidiaries to their stockholders
      and any and all regular and periodic reports that may be required to be
      filed by Maker or any subsidiary with the Securities and Exchange
      Commission, the Office of the Comptroller of the Currency, the Federal
      Deposit Insurance Corp., the Board of Governors of the Federal Reserve
      System and any other governmental agency having enforceable jurisdiction
      over the business and affairs of Maker or any subsidiary; and

            (E) With reasonable promptness, such other data and information as
      from time to time may be reasonably requested by Bank.

      10. Year 2000 Covenant. Maker has reviewed the areas within its business
and operations which could be adversely affected by, and have developed or are
developing a program to address on a timely basis, the "Year 2000 Problem" (that
is, the risk that computer applications used by Maker may be unable to recognize
and perform properly date-sensitive functions involving certain dates prior to
and any date after December 31, 1999), and has made related appropriate inquiry
of material suppliers and vendors. Based on such review and program, Maker
believes that the Year 2000 Problem will not have a material adverse effect on
Maker. Upon the request of the Bank from time to time, Maker shall provide the
Bank with such updated information or documentation as the Bank may request
indicating the status of its efforts to resolve the Year 2000 Problem.

      11. Prime Rate. If the designation of the interest rate includes the
letter "P" or the term "Prime", such letter or term shall mean the rate in
effect from time to time as set by the Bank, and called its Prime Rate. The
effective date or any change in such Prime Rate shall for purposes hereof be the
date the rate is changed by the Bank. The Bank shall not be obligated to give
notice or any change in the Prime Rate, interest shall be computed on the basis
of a year consisting of 360 days and shall be paid for the actual number of days
elapsed, unless otherwise specified herein.

                                                 GREAT SOUTHERN BANCORP, INC.

                                                 By: /s/ Joseph W. Turner
                                                    ----------------------------
                                                 Its: President
                                                     ---------------------------

                                                 LASALLE BANK NATIONAL
                                                 ASSOCIATION

                                                 By: /s/
                                                    ----------------------------
                                                 Its: [OFFICER]
                                                     ---------------------------

                                       4
<PAGE>

                           MODIFICATION REVOLVING NOTE

Chicago, Illinois                                     Dated: As of June 26, 2000
$25,000,000                                           Due:      November 1, 2000

      This Modification Note is dated as of June 26, 2000, by and between GREAT
SOUTHERN BANCORP, INC. (the "Maker") and LASALLE BANK NATIONAL ASSOCIATION, a
national banking association (the "Bank"), having an address of 135 South
LaSalle Street, Chicago, Illinois 60603.

      A. The Bank made a loan to the Maker evidenced by a certain Revolving Note
dated October 8, 1999 signed by the maker and payable to the order of the Bank,
in the amount of Fifteen Million Dollars ($15,000,000) (the "Original Note")
(collectively, the Original Note, as extended from time to time and as extended
by this Modification Note, is referred to herein as the "Note"); and

      B. Maker desires to increase the amount of the loan, and the Bank is
willing, subject to certain conditions, to such increase in accordance with the
terms of this Modification Note.

      NOW, THEREFORE, in consideration of these premises and the conditions and
covenants contained herein, the parties agree as follows:

      The indebtedness initially evidenced by the Original Note is hereby
increased to Twenty Five Million Dollars ($25,000,000), shall be re-evidenced by
this Modification Note and shall continue to be secured by all collateral
securing the Original Note, including, without limitation, 100% of the common
stock of Great Southern Bank and any stock splits, substitutions, proceeds or
dividends thereon.

      This Modification Note is not being delivered in payment for the Original
Note and is not intended to constitute a novation therefor. To the extent the
provisions of this Modification Note are inconsistent or conflict with the terms
of the Original Note or any other prior note evidencing the same indebtedness,
the provisions of this Modification Note shall govern and control. In all other
respects, the existing terms, conditions and provisions of the Original Note,
including, without limitation, any late charges or expenses, remain in full
force and effect and shall be incorporated by reference herein.

      If payment hereunder becomes due and payable on a Saturday, Sunday, or
legal holiday under the laws of the United States or the State of Illinois, the
due date hereof shall be extended to the next succeeding business day, and
interest shall be payable thereon at the rate specified during such extension
period.

      Upon the occurrence of any one or more of the following: (a) default in
the payment of any installment when due hereunder, or (b) default under the
Original Note, any prior note
<PAGE>

evidencing the same indebtedness, this Modification Note or any of the Loan
Documents, or (c) default under any other agreement now existing or hereafter
entered into between the Maker and the Bank, the holder of the Note, in its sole
discretion, may declare the entire remaining balance on the Note, including all
accrued and unpaid interest to be immediately due and payable. Failure to
exercise this option shall not waive the right of the holder to exercise the
same in the event of a later default.

      Demand, presentment, protest, notice of non-payment and protest are hereby
waived by Maker.

      This Modification Note has been delivered and shall be deemed to have been
made at Chicago, Illinois and shall be interpreted and the rights and
liabilities of the parties hereto determined in accordance with the laws of the
State of Illinois. Whenever possible each provision of the Note shall be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of the Note shall be prohibited or invalid under applicable
law, such provision shall be ineffective to the extent of such prohibition or
invalidity, without invalidating the remainder of such provision or the
remaining provisions of the Note. Whenever in the Note there is reference made
to Bank or Maker, such reference shall be deemed to include, as applicable, a
reference to their respective successors and assigns. The provisions of the Note
shall be binding upon and inure to the benefit of said successors and assigns,
as applicable. Maker's successors and assigns shall include, without limitation
a receiver, trustee or debtor-in-possession of or for Maker. All references to
the singular shall be deemed to include the plural where the context so
requires.

      If more than one party shall execute this Note, the term "Maker" as used
herein shall mean all parties signing this Note, and each one of them, and all
such parties, their respective heirs, executors, administrators, successors and
assigns, shall be, jointly and severally, obligated hereunder. As used herein,
all provisions shall include the masculine, feminine, neuter, singular and
plural thereof, wherever the context and facts require such construction and in
particular the term "Maker" shall be so construed.

                              ADDITIONAL COVENANTS

      1. Minimum Loan Advances. All loan advances under this Note shall be in a
minimum amount of $500,000.

      2. Interest Rate. The outstanding principal amount of this Note
outstanding from time to time shall bear interest at the Interest Rate (as
defined below). Interest shall be calculated on the basis of a year consisting
of 360 days and shall be paid for the actual number of days elapsed. As used
herein, the phrase "Interest Rate" shall mean, as applicable, the Prime Rate or
the LIBOR Rate.

      3. Prime Rate. Subject to the right of Maker to convert the interest rate
as provided in Section 4 below, the principal balance of this Note outstanding
from time to time
<PAGE>

shall bear interest at the Prime Rate per annum. As used herein, the phrase
"Prime Rate" means the rate in effect from time to time as set by the Bank and
called its Prime Rate. The effective date of any change in the Prime Rate shall
for purposes hereof be the date the rate is changed by the Bank. The Bank shall
not be obligated to give notice of any change in the Prime Rate.

      4. Interest Rate Conversion Option. (a) Notwithstanding the foregoing, the
Maker shall provide the Bank with written or oral notice to elect the LIBOR Rate
(as defined below) plus one and one-quarter of one percent (1.25%).

      (b) LIBOR Rate. (i) For purposes hereof, the phrase "LIBOR Rate" means the
per annum rate of interest at which U.S. dollar deposits in an amount comparable
to the amount of the relevant LIBOR Rate loan and for a period equal to the
relevant "Interest Period" (hereinafter defined) are offered generally to the
Bank (rounded upward if necessary, to the nearest 1/16 of 1.00%) in the London
Interbank Eurodollar market at 11:00 a.m. (London time) two banking days prior
to the commencement of each Interest Period, such rate to remain fixed for such
Interest Period; and "Interest Period" shall mean successive one, two or three
month periods as selected from time to time by the Maker by notice given to the
Bank not less than three banking days prior to the first day of each respective
Interest Period; provided that: (a) each such one, two or three month period
occurring after such initial period shall commence on the day on which the next
preceding period expires; (b) the final Interest Period shall be such that its
expiration occurs on or before the stated maturity date of the Note; and (c) if
for any reason the Maker shall fail to select an Interest Period on a timely
basis, then it shall be deemed to have selected a one month Interest Period,
with the exception that if at any time an Interest Period expires less than one
month before the maturity date of the Note, then, for the period commencing on
such expiration date and ending on the maturity date, such LIBOR Rate loan shall
convert to a loan bearing interest at the Prime Rate.

      (ii) The Bank's determination of LIBOR as provided above shall be
conclusive, absent manifest error. Furthermore, if the Bank determines, in good
faith (which determination shall be conclusive, absent manifest error), prior to
the commencement of any Interest Period that (a) U.S. dollar deposits of
sufficient amount and maturity for funding any LIBOR Rate loan are not available
to the Bank in the London Interbank Eurodollar market in the ordinary course of
business, or (b) by reason of circumstances affecting the London Interbank
Eurodollar market, adequate and fair means do not exist for ascertaining the
rate of interest to be applicable to the relevant LIBOR Rate loan, the Bank
shall promptly notify the Maker and such LIBOR Rate loan shall automatically
convert on the last day of its then-current Interest Period to a loan bearing
interest at the Prime Rate minus one and four-tenths of one percent (-1.40%). If
after the date hereof either (a) the introduction of, or any change in any
applicable law, treaty, rule, regulation or guideline or in the interpretation
or administration thereof by any governmental regulation or any central bank or
other fiscal, monetary or other authority having jurisdiction over the Bank or
its lending office (a "Regulatory Change"), shall, in the opinion of counsel to
the Bank, makes it unlawful for the Bank to make or maintain any LIBOR Rate loan
evidenced hereby or (b) for any other reason the LIBOR Rate loan funding becomes
unavailable to the Bank, then the Bank shall promptly
<PAGE>

notify the Maker and such LIBOR Rate loan shall automatically convert on the
last day of its then-current Interest Period to a loan bearing interest at the
Prime Rate minus one and four-tenths of one percent (-1.40%).

      (iii) If, for any reason, any LIBOR Rate loan is paid prior to the last
banking day of its then-current Interest Period, the Maker agrees to Indemnify
the Bank against any loss (including any loss on redeployment of the funds
repaid), cost or expense incurred by the Bank as a result of such prepayment. Of
any Regulatory Change (whether or not having the force of law) shall (a) impose,
modify or deem applicable any assessment, reserve, special deposit or similar
requirement against assets held by, or deposits in or for the account of or
loans by, or any other acquisition of funds or disbursements by, the Bank; (b)
subject the Bank or any LIBOR Rate loan to any tax, duty, charge, stamp tax or
fee or change the basis of taxation of payment to the Bank of principal or
interest due from the Maker to the Bank hereunder (other than a change of the
taxation of the overall net inform of the Bank); or (c) impose on the Bank any
other condition regarding such LIBOR Rate loan or the Bank's funding thereof,
and the Bank shall determine (which determination shall be conclusive, absent
manifest error) that the result of the foregoing is to increase the cost to the
Bank of making or maintaining such LIBOR Rate loan or to reduce the amount of
principal or interest received by the Bank hereunder, then the Maker shall pay
the Bank, on demand, such additional amounts as the Bank shall, from time to
time, determine are sufficient to compensate and indemnify the Bank for such
increased cost or reduced amount.

      If Maker shall fail to indicate an interest rate option as aforesaid for
any loan advance, such advance shall be deemed to bear interest at the Prime
Rate option as set forth above.

      5. Payments. This Note shall be repaid in quarterly installments of
interest only beginning on August 1, 2000, and continuing on the same day of
each quarter thereafter, with a final payment equal to the total principal
balance then remaining unpaid, plus interest, on November 1, 2000. Any amount of
principal or interest which is not paid when due, whether at the stated
maturity, by acceleration or otherwise, shall bear interest payable on demand at
an interest rate per annum equal at all times to the then applicable Interest
Rate plus two percent (2%).

      6. Principal Prepayments. Prepayments of Prime Rate loans are permitted at
any time, together with all interest accrued thereon to the date of prepayment,
without premium or penalty.

      7. Commitment Fee. Maker shall pay to the Bank a commitment fee in the
amount of one-quarter of one percent (1/4%) per annum of the unused portion of
the loan commitment evidenced by this Note, which fee shall be payable
quarterly, in arrears, beginning on September 1, 2000.

      8. Indebtedness Prohibited. Maker shall not, directly or indirectly, be
liable for, create, assume, incur or permit to exist any indebtedness whether as
primary obligor, guarantor, surety or otherwise, including, without limitation,
purchase money indebtedness
<PAGE>

except (a) indebtedness in favor of the Bank, and (b) indebtedness for liens for
taxes or other governmental charges incurred in the ordinary course of business.

      9. Reports. Maker shall maintain a standard and modern system of
accounting, on the accrual basis of accounting and in all respects in accordance
with generally accepted accounting principles ("GAAP"), and shall furnish to the
Bank or its authorized representatives such information respecting the business
affairs, operations and financial condition of the Maker as may be reasonably
requested. Maker shall also deliver to the Bank the following:

      (A) Within forty-five (45) days after the end of each accounting quarter,
a Call Report on Maker or any subsidiary as furnished to the appropriate
regulatory authority, all in reasonable detail and certified by a principal
financial officer of Maker that the statements fairly present the financial
condition of Maker or any subsidiary as of the balance sheet date and the
results of their operations for the period shown; and

      (B) Within one hundred twenty (120) days after the end of the end of the
fiscal year of Maker, a copy of the annual audit report of Maker and any
subsidiary, prepared in conformity with generally accepted accounting principles
applied on a basis consistent with that of the preceding fiscal year, prepared,
signed by and bearing an unqualified opinion of independent certified public
accountants satisfactory to Bank; and

      (C) Promptly upon receipt thereof, copies of any other report submitted to
Maker or its subsidiaries by certified public accountants in connection with any
annual or interim audit of the books made by such accountants as from time to
time may be reasonably requested by Bank; and

      (D) Promptly upon Bank's request, copies of all financial statements and
reports sent by Undersigned or its subsidiaries to their stockholders and any
and all regular and periodic reports that may be required to be filed by Maker
or any subsidiary with the Securities and Exchange Commission, the Office of the
Comptroller of the Currency, the Federal Deposit Insurance Corp., the Board of
Governors of the Federal Reserve System and any other governmental agency having
enforceable jurisdiction over the business and affairs of Maker or any
subsidiary; and
<PAGE>

      (E) With reasonable promptness, such other data and information as from
time to time may be reasonably requested by Bank.

      IN WITNESS WHEREOF, the Maker has executed this Modification Note on the
day and year first above written.

                                             GREAT SOUTHERN BANCORP, INC.

                                             By: /s/ Joseph W. Turner
                                                --------------------------------
                                             Its: President
                                                 -------------------------------

INFORMATIONAL NOTICE
The Prime Rate on the date of this Note is
9.5% which Prime Rate is subject to change
from time to time as provided in this Note.
<PAGE>

                           MODIFICATION REVOLVING NOTE

Chicago, Illinois                                        Dated: November 1, 2000
$25,000,000                                              Due: November 1, 2001

      This Modification Note is dated as of November 1, 2000, by and between
GREAT SOUTHERN BANCORP, INC. (the "Maker") and LASALLE BANK NATIONAL
ASSOCIATION, a national banking association (the "Bank"), having an address of
135 South LaSalle Street, Chicago, Illinois 60603.

      A. The Bank made a loan to the Maker evidenced by a certain Revolving Note
dated October 8, 1999 signed by the Maker and payable to the order of the Bank,
in the amount of $15,000,000, as modified by the Modification Revolving Note
date June 26, 2000 in the amount of $25,000,000) (the "Original Note")
(collectively, the Original Note, as extended from time to time and as extended
by this Modification Note, is referred to herein as the "Note"); and

      B. Maker desires to extend the maturity date of the loan, and the Bank is
willing, subject to certain conditions, to such extension in accordance with the
terms of this Modification Note.

      NOW, THEREFORE, in consideration of these premises and the conditions and
covenants contained herein, the parties agree as follows:

      The indebtedness initially evidenced by the Original Note shall be
re-evidenced by this Modification Note and shall continue to be secured by all
collateral securing the Original Note, including, without limitation, 100% of
the common stock of Great Southern Bank and any stock splits, substitutions,
proceeds or dividends thereon.

      This Modification Note is not being delivered in payment for the Original
Note and is not intended to constitute a novation therefor. To the extent the
provisions of this Modification Note are inconsistent or conflict with the terms
of the Original Note or any other prior note evidencing the same indebtedness,
the provisions of this Modification Note shall govern and control. In all other
respects, the existing terms, conditions and provisions of the Original Note,
including, without limitation, any late charges or expenses, remain in full
force and effect and shall be incorporated by reference herein.

      If payment hereunder becomes due and payable on a Saturday, Sunday, or
legal holiday under the laws of the United States or the State of Illinois, the
due date hereof shall be extended to the next succeeding business day, and
interest shall be payable thereon at the rate specified during such extension
period.

      Upon the occurrence of any one or more of the following: (a) default in
the payment of any installment when due hereunder, or (b) default under the
Original Note, any prior note evidencing the same indebtedness, this
Modification Note or any of the Loan Documents, or (c)

<PAGE>

default under any other agreement now existing or hereafter entered into between
the Maker and the Bank, the holder of the Note, in its sole discretion, may
declare the entire remaining balance on the Note, including all accrued and
unpaid interest to be immediately due and payable. Failure to exercise this
option shall not waive the right of the holder to exercise the same in the event
of a later default.

      Demand, presentment, protest, notice of non-payment and protest are hereby
waived by Maker.

      This Modification Note has been delivered and shall be deemed to have been
made at Chicago, Illinois and shall be interpreted and the rights and
liabilities of the parties hereto determined in accordance with the laws of the
State of Illinois. Whenever possible each provision of the Note shall be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of the Note shall be prohibited or invalid under applicable
law, such provision shall be ineffective to the extent of such prohibition or
invalidity, without invalidating the remainder of such provision or the
remaining provisions of the Note. Whenever in the Note there is reference made
to Bank or Maker, such reference shall be deemed to include, as applicable, a
reference to their respective successors and assigns. The provisions of the Note
shall be binding upon and inure to the benefit of said successors and assigns,
as applicable. Maker's successors and assigns shall include, without limitation
a receiver, trustee or debtor-in-possession of or for Maker. All references to
the singular shall be deemed to include the plural where the context so
requires.

      If more than one party shall execute this Note, the term "Maker" as used
herein shall mean all parties signing this Note, and each one of them, and all
such parties, their respective heirs, executors, administrators, successors and
assigns, shall be, jointly and severally, obligated hereunder. As used herein,
all provisions shall include the masculine, feminine, neuter, singular and
plural thereof, wherever the context and facts require such construction and in
particular the term "Maker" shall be so construed.

                              ADDITIONAL COVENANTS

      1. Minimum Loan Advances. All loan advances under this Note shall be in a
minimum amount of $500,000.

      2. Interest Rate. The outstanding principal amount of this Note
outstanding from time to time shall bear interest at the Interest Rate (as
defined below). Interest shall be calculated on the basis of a year consisting
of 360 days and shall be paid for the actual number of days elapsed. As used
herein, the phrase "Interest Rate" shall mean, as applicable, the Prime Rate or
the LIBOR Rate.

      3. Prime Rate. Subject to the right of Maker to convert the interest rate
as provided in Section 4 below, the principal balance of this Note outstanding
from time to time shall bear interest at the Prime Rate per annum. As used
herein, the phrase "Prime Rate" means the rate in

                                       2
<PAGE>

effect from time to time as set by the Bank and called its Prime Rate. The
effective date of any change in the Prime Rate shall for purposes hereof be the
date the rate is changed by the Bank. The Bank shall not be obligated to give
notice of any change in the Prime Rate.

      4. Interest Rate Conversion Option. (a) Notwithstanding the foregoing, the
Maker shall provide the Bank with written or oral notice to elect the LIBOR Rate
(as defined below) plus one and one-quarter of one percent (1.25%).

      (b) LIBOR Rate. (i) For purposes hereof, the phrase "LIBOR Rate" means the
per annum rate of interest at which U.S. dollar deposits in an amount comparable
to the amount of the relevant LIBOR Rate loan and for a period equal to the
relevant "Interest Period" (hereinafter defined) are offered generally to the
Bank (rounded upward if necessary, to the nearest 1/16 of 1.00%) in the London
Interbank Eurodollar market at 11:00 a.m. (London time) two banking days prior
to the commencement of each Interest Period, such rate to remain fixed for such
Interest Period; and "Interest Period" shall mean successive one, two or three
month periods as selected from time to time by the Maker by notice given to the
Bank not less than three banking days prior to the first day of each respective
Interest Period; provided that: (a) each such one, two or three month period
occurring after such initial period shall commence on the day on which the next
preceding period expires; (b) the final Interest Period shall be such that its
expiration occurs on or before the stated maturity date of the Note; and (c) if
for any reason the Maker shall fail to select an Interest Period on a timely
basis, then it shall be deemed to have selected a one month Interest Period,
with the exception that if at any time an Interest Period expires less than one
month before the maturity date of the Note, then, for the period commencing on
such expiration date and ending on the maturity date, such LIBOR Rate loan shall
convert to a loan bearing interest at the Prime Rate.

      (ii) The Bank's determination of LIBOR as provided above shall be
conclusive, absent manifest error. Furthermore, if the Bank determines, in good
faith (which determination shall be conclusive, absent manifest error), prior to
the commencement of any Interest Period that (a) U.S. dollar deposits of
sufficient amount and maturity for funding any LIBOR Rate loan are not available
to the Bank in the London Interbank Eurodollar market in the ordinary course of
business, or (b) by reason of circumstances affecting the London Interbank
Eurodollar market, adequate and fair means do not exist for ascertaining the
rate of interest to be applicable to the relevant LIBOR Rate loan, the Bank
shall promptly notify the Maker and such LIBOR Rate loan shall automatically
convert on the last day of its then-current Interest Period to a loan bearing
interest at the Prime Rate minus one and four-tenths of one percent (-1.40%). If
after the date hereof either (a) the introduction of, or any change in any
applicable law, treaty, rule, regulation or guideline or in the interpretation
or administration thereof by any governmental regulation or any central bank or
other fiscal, monetary or other authority having jurisdiction over the Bank or
its lending office (a "Regulatory Change"), shall, in the opinion of counsel to
the Bank, makes it unlawful for the Bank to make or maintain any LIBOR Rate loan
evidenced hereby or (b) for any other reason the LIBOR Rate loan funding becomes
unavailable to the Bank, then the Bank shall promptly notify the Maker and such
LIBOR Rate loan shall automatically convert on the last day of its then-current
Interest Period to a loan bearing interest at the Prime Rate minus one and
four-tenths of one percent (-1.40%).

                                       3
<PAGE>

      (iii) If, for any reason, any LIBOR Rate loan is paid prior to the last
banking day of its then-current Interest Period, the Maker agrees to indemnify
the Bank against any loss (including any loss on redeployment of the funds
repaid), cost or expense incurred by the Bank as a result of such prepayment. Of
any Regulatory Change (whether or not having the force of law) shall (a) impose,
modify or deem applicable any assessment, reserve, special deposit or similar
requirement against assets held by, or deposits in or for the account of or
loans by, or any other acquisition of funds or disbursements by, the Bank; (b)
subject the Bank or any LIBOR Rate loan to any tax, duty, charge, stamp tax or
fee or change the basis of taxation of payment to the Bank of principal or
interest due from the Maker to the Bank hereunder (other than a change of the
taxation of the overall net inform of the Bank); or (c) impose on the Bank any
other condition regarding such LIBOR Rate loan or the Bank's funding thereof,
and the Bank shall determine (which determination shall be conclusive, absent
manifest error) that the result of the foregoing is to increase the cost to the
Bank of making or maintaining such LIBOR Rate loan or to reduce the amount of
principal or interest received by the Bank hereunder, then the Maker shall pay
the Bank, on demand, such additional amounts as the Bank shall, from time to
time, determine are sufficient to compensate and indemnify the Bank for such
increased cost or reduced amount.

      If Maker shall fail to indicate an interest rate option as aforesaid for
any loan advance, such advance shall be deemed to bear interest at the Prime
Rate option as set forth above.

      5. Payments. This Note shall be repaid as follows:

      (i) Interest on the portion of the unpaid principal balance bearing
interest at the Prime Rate shall be payable quarterly in arrears, commencing on
February 1, 2001 and continuing quarterly thereafter.

      (ii) Interest on each LIBOR Rate loan shall be payable on the last banking
day of each Interest Period with respect thereto.

      (iii) A final payment equal to the total principal then remaining unpaid,
plus accrued interest, shall be paid on November 1, 2001. Any amount of
principal or interest which is not paid when due, whether at the stated
maturity, by acceleration or otherwise, shall bear interest payable on demand at
an interest rate per annum equal at all times to the then applicable Interest
Rate plus two percent (2%).

      6. Principal Prepayments. Prepayments of Prime Rate loans are permitted at
any time, together with all interest accrued thereon to the date of prepayment,
without premium or penalty.

      7. Commitment Fee. Maker shall pay to the Bank a commitment fee in the
amount of one-quarter of one percent (1/4%) per annum of the unused portion of
the loan commitment evidenced by this Note, which fee shall be payable
quarterly, in arrears, beginning on December 1, 2000.

                                       4
<PAGE>

      8. Indebtedness Prohibited. Maker shall not, directly or indirectly, be
liable for, create, assume, incur or permit to exist any indebtedness whether as
primary obligor, guarantor, surety or otherwise, including, without limitation,
purchase money indebtedness except (a) indebtedness in favor of the Bank, and
(b) indebtedness for liens for taxes or other governmental charges incurred in
the ordinary course of business.

      9. Reports. Maker shall maintain a standard and modern system of
accounting, on the accrual basis of accounting and in all respects in accordance
with generally accepted accounting principles ("GAAP"), and shall furnish to the
Bank or its authorized representatives such information respecting the business
affairs, operations and financial condition of the Maker as may be reasonably
requested. Maker shall also deliver to the Bank the following:

      (A) Within forty-five (45) days after the end of each accounting quarter,
a Call Report on Maker or any subsidiary as furnished to the appropriate
regulatory authority, all in reasonable detail and certified by a principal
financial officer of Maker that the statements fairly present the financial
condition of Maker or any subsidiary as of the balance sheet date and the
results of their operations for the period shown; and

      (B) Within one hundred twenty (120) days after the end of the end of the
fiscal year of Maker, a copy of the annual audit report of Maker and any
subsidiary, prepared in conformity with generally accepted accounting principles
applied on a basis consistent with that of the preceding fiscal year, prepared,
signed by and bearing an unqualified opinion of independent certified public
accountants satisfactory to Bank; and

      (C) Promptly upon receipt thereof, copies of any other report submitted to
Maker or its subsidiaries by certified public accountants in connection with any
annual or interim audit of the books made by such accountants as from time to
time may be reasonably requested by Bank; and

      (D) Promptly upon Bank's request, copies of all financial statements and
reports sent by Undersigned or its subsidiaries to their stockholders and any
and all regular and periodic reports that may be required to be filed by Maker
or any subsidiary with the Securities and Exchange Commission, the Office of the
Comptroller of the Currency, the Federal Deposit Insurance Corp., the Board of
Governors of the Federal Reserve System and any other governmental agency having
enforceable jurisdiction over the business and affairs of Maker or any
subsidiary; and

                                       5
<PAGE>

      (E) With reasonable promptness, such other data and information as from
time to time may be reasonably requested by Bank.

      IN WITNESS WHEREOF, the Maker has executed this Modification Note on the
day and year first above written.

                                        GREAT SOUTHERN BANCORP, INC.

                                        By: /s/ Rex A. Copeland
                                           -------------------------------------
                                        Its: Treasurer
                                            ------------------------------------
      INFORMATIONAL NOTICE

The Prime Rate on the date of this Note is 9.50% which Prime Rate is subject to
change from time to time as provided in this Note.

                                       6

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