Document:

EXHIBIT 4.1
                        BANCORP INTERNATIONAL GROUP, INC.

      NUMBER                                                     SHARES

                      COMMON STOCK
                                                      PAR VALUE $.0001
                                                      PER SHARE

                                                      CUSIP
THIS CERTIFICATE IS TRANSFERABLE
                                                        SEE REVERSE FOR CERTAIN
                                                        DEFINITIONS AND LEGENDS

               INCORPORATED UNDER THE LAWS OF THE STATE OF NAVADA

This Certifies that

is the owner of
FULLY PAID AND  NON-ASSESSABLE  SHARES OF THE COMMON  STOCK,  PAR  VALUE$.01 PER
SHARE, OF BANCORP INTERNATIONAL GROUP, INC.

(hereinafter referred to as the "Corporation"), transferable on the books of the
Corporation by the holder hereof in person or by duly  authorized  attorney upon
surrender of this Certificate properly endorsed. This Certificate and the shares
represented  hereby are issued under and shall be held subject to the provisions
of the  State  of  Oklahoma  and  all  of the  provisions  of  the  Articles  of
Incorporation  and Bylaws of the Corporation and any amendments  thereto (copies
of which  are on file at the  office  of the  Corporation),  to all of which the
holder,  by acceptance  hereof,  assents.  This  Certificate  is not valid until
countersigned  and registered by the Transfer  Agent and Registrar.  Witness the
facsimile  seal of the  Corporation  and the  facsimile  signatures  of its duly
authorized officers.
                                                           Dated:

                                                  COUNTERSIGNED AND REGISTERED
                                                  PACIFIC STOCK TRANSFER COMPANY
                                                  TRANSFER AGENT
                                                  AND REGISTRAR
                                                  BY

                                                    /s/ THOMAS MEGAS
                                                        ------------
                                                        CHIEF EXECUTIVE OFFICER
                                                        SECRETARY
                                                        AUTHORIZED OFFICER

<PAGE>

                        BANCORP INTERNATIONAL GROUP, INC.

     The  Corporation  is  authorized  to issue more than one class of stock and
more than one series of preferred  stock.  The  Corporation  will furnish,  upon
request and without charge, a full statement of the designations and the powers,
preferences and rights, and the  qualifications,  limitations or restrictions of
the  shares  of each  class of stock  authorized  to be  issued  by it,  and the
variations  in the relative  rights and  preferences  between the shares of each
series of any preferred class so far as the same have been fixed and determined,
and the  authority of the Board of Directors to fix and  determine  the relative
rights and preferences of subsequent series of any preferred class. Such request
may be made to the Secretary of the Corporation, or to the Transfer Agent.

     The following  abbreviations,  when used in the  inscription on the face of
this  certificate,  shall be  construed  as though they were written out in full
according to applicable laws or regulations:

TEN COM -as tenants in common               UNIF GIFT
TEN ENT -as tenants by the entireties       MIN ACT-_______ Custodian __________
JT TEN  -as joint tenants with right                (Cust)            (Minor)
         of survivorship and not as                                       Under
         tenants in common                           Uniform Gifts to Minors Act

                                                                         (State)
                                            UNIF TRNFR
                                            MIN ACT-_______ Custodian __________
                                                    (Cust)            (Minor)
                                           Under Uniform Transfers to Minors Act
                                                                         (State)
Additional abbreviations may also be used though not in the above list.

For  Value   received,______________________________hereby   sell,   assign  and
transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
    IDENTIFYING NUMBER OF ASSIGNEE

             PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS OF ASSIGNEE

________________________________________________________________________Shares
of the Common Stock represented by the within Certificate and do hereby
irrevocably constitute and appoint _________________________________Attorney to
transfer the said stock on the books of the within-named Corporation with full
power of substitution in the premises.

Dated
                                               NOTICE:

                                               THE SIGNATURE(S) TO THIS
                                               ASSIGNMENT MUST CORRESPOND
                                               WITH THE NAME(S) AS WRITTEN
                                               UPON THE FACE OF THE CERTIFICATE
                                               IN EVERY PARTICULAR WITHOUT
                                               ALTERATION OR ENLARGEMENT
                                               OR ANY CHANGE WHATEVER.

                                               X
                                               (SIGNATURE)

                                               X
                                               (SIGNATURE)

THE SIGNATURE SHOULD BE GUARANTEED
BY AN ELIGIBLE GUARANTOR INSTITUTION
(BANKS, STOCKBROKERS, SAVINGS AND
LOAN ASSOCIATIONS AND CREDIT UNIONS
WITH MEMBERSHIP IN AN APPROVED
SIGNATURE GUARANTEE MEDALLION
PROGRAM), PURSUANT TO S.E.C. RULE 17Ad-15.

SIGNATURE(S) GUARANTEED BY:

------------------------------------Exhibit 4.5

    
      

    

     

    Exhibit
      4.5

     

     

    

      FOURTH
        AMENDMENT TO AMENDED AND RESTATED AGENTED

      REVOLVING
        CREDIT AGREEMENT 

      

      

      THIS
        FOURTH AMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVING CREDIT
        AGREEMENT
        ("Amendment") is dated effective as of April 28, 2006, by and among
        COLONIAL AUTO FINANCE, INC.,
        an
        Arkansas corporation (“Borrower”), BANK
        OF ARKANSAS, N.A.,
        GREAT
        SOUTHERN BANK,
        FIRST
        STATE BANK, FIRST STATE BANK OF NORTHWEST ARKANSAS,
        SOVEREIGN BANK,
        and
ENTERPRISE
        BANK & TRUST,
        and
COMMERCE
        BANK, N.A. (each
        individually a “Bank” and collectively the “Banks”), and BANK
        OF ARKANSAS, N.A.,
        as
        agent for the Banks hereunder (in such capacity the “Agent”).

      

      

      RECITALS

      

      A.    Reference
        is made to the Amended and Restated Agented Revolving Credit Agreement dated
        as
        of June 23, 2005, and amended September 30, 2005, October 31, 2005, and February
        24, 2006 (as amended, the "Colonial Credit Agreement"), by and among Borrower,
        the Banks party thereto, and Agent, pursuant to which a $40,000,000 Revolving
        Line of Credit exists in favor of Borrower.

      

      B.    Borrower
        and Banks have agreed that certain modifications shall be made to the Colonial
        Credit Agreement. Terms used herein shall have the meanings given in the
        Colonial Credit Agreement unless otherwise defined herein.

      

      AGREEMENT

      

      For
        valuable consideration received, the parties agree to the
        following.

      

      1.    Amendments
        to Colonial Credit Agreement.
        The
        Colonial Credit Agreement is amended as follows.

      

      1.1.    In
        Section 1.01 (Defined Terms), the definition of “Borrowing Base” is hereby
        amended to evidence that the amount “$10,000,000” shall now mean and read
“$20,000,000”.

      

      1.2.    The
        following new defined term is hereby added to Section 1.01 (Defined
        Terms):

      

      “’ACM
        Credit Agreement’ means the Revolving Credit Agreement among Bank of Oklahoma,
        N.A., ACM and TCM dated June 23, 2005, and subsequently amended from time
        to
        time.

      

      1.3.     Section
        2.16 (Termination Fee) of the Colonial Credit Agreement is hereby amended
        to
        evidence that the phrase “six (6) months” shall now mean and read “nine (9)
        months”.

      

      2.    Allocation
        of Proceeds of Collateral.
        The
        undersigned hereby acknowledge and agree that in the event of a Default or
        Event
        of Default under the Colonial Credit Agreement and/or under the ACM Credit
        Agreement, all proceeds of collateral received through a liquidation of
        collateral or otherwise following such Default or Event of Default, will
        be
        allocated to the Banks (as defined in the Colonial Credit Agreement and the
        ACM
        Credit Agreement) on a Pro Rata Basis. For purposes of this Section 2, the
        term
“Pro Rata Basis” shall mean the proportion which each Bank’s Aggregate
        Commitment bears to the total amount of all Banks’ Aggregate Commitments at the
        time of determination thereof. “Aggregate Commitment” shall mean the total
        commitment of a Bank under the Colonial Credit Agreement and/or the ACM Credit
        Agreement.

      
        
          
          

        

        
          1

          
            

          

        

        
          
          

        

      

      

      

      3.    Conditions
        Precedent.
        The
        obligations of the Bank to perform under the Colonial Credit Agreement, as
        amended hereby, are subject to the satisfaction of the following.

      

      3.1.    Borrower
        shall execute and deliver this Amendment.

      

      3.2.    Borrower
        shall execute and deliver any other instruments, documents and/or agreements
        reasonably required by Bank in connection herewith.

      

      3.3.    No
        Default or Event of Default exists or will result from the execution and
        delivery of this Amendment.

      

      4.    Representations
        and Warranties.
        Borrower hereby ratifies and confirms all representations and warranties
        set
        forth in the Colonial Credit Agreement, and all other Loan Documents, other
        than
        any representation or warranty that relates to a specific prior date and
        except
        to the extent that the Bank has been notified in writing by the Borrower
        that
        any representation or warranty is not correct and the Bank has explicitly
        waived
        in writing compliance with such representation or warranty.

      

      5.    Ratification.
        Borrower hereby ratifies and confirms the Colonial Credit Agreement, and
        all
        instruments, documents, and agreements executed by Borrower in connection
        therewith, and confirms that no Default exists thereunder.

      

      6.    Ratification
        and Amendment of Subordination Agreements.
        ACM and
        ACM-Texas each hereby ratifies and confirms its respective Subordination
        Agreement, and confirms that it remains in full force and effect.

      

      7.    Governing
        Law.
        This
        Agreement and the Note shall be governed by, and construed in accordance
        with,
        the laws of the State of Arkansas.

      

      8.    Multiple
        Counterparts.
        This
        Amendment may be executed in any number of counterparts, and by different
        parties to this Amendment in separate counterparts, each of which when so
        executed shall be deemed to be an original and all of which taken together
        shall
        constitute one and the same agreement.

      

      9.    Costs,
        Expenses and Fees.
        Borrower agrees to pay all costs; expenses and fees incurred by Banks in
        connection herewith, including without limitation the reasonable attorney
        fees
        of Riggs, Abney, Neal, Turpen, Orbison and Lewis.

      

      
        
          	 	
                  “BORROWER”

                  

                  COLONIAL
                    AUTO FINANCE, INC.,
                    an Arkansas corporation 

                  

                  

                  By
                    /s/ T.J. Falgout, III 

                     
                    T. J. Falgout, III, President

                

        

      

       

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

      

      
        	 	
                “SUBORDINATING
                  PARTIES”

                

                AMERICA’S
                  CAR-MART, INC.,
                  a
                  Texas corporation, formerly known as Crown Group, Inc.

                

                

                By
                  /s/ Jeff Williams

                   
                  Jeff Williams, Vice President

                

                

                AMERICA’S
                  CAR MART, INC.,
                  

                an
                  Arkansas corporation

                

                

                By
                  /s/ Jeff Williams

                   
                  Jeff Williams, Vice President

              

      

      

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

       

      

      
        	 	“BANKS”
	 	 
	
                Revolving
                  Credit Commitment:

              	
                BANK
                  OF ARKANSAS, N.A.

              
	
                $10,000,000

              	 
	 	 
	
                Principal
                  Office and Lending Office: 

              	
                By
                  /s/ Jeffrey R. Dunn

              
	
                P.O.
                  Box 1407

              	
                    
                  Jeffrey R. Dunn, President & CEO

              
	
                Fayetteville,
                  AR 72702-1404

              	 
	
                Attention:
                  Jeffrey R. Dunn

              	 
	
                jdunn@bokf.com 

              	 

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      

      
        
          
          

        

        
          4

          
            

          

        

        
          
          

          
          

        

      

      
        	
                Revolving
                  Credit Commitment:

              	
                SOVEREIGN
                  BANK

              
	
                $3,500,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                7301
                  State Highway 161, Suite 130

              	 
	
                Irving,
                  Texas 75039

              	
                By
                  /s/ Bill Defee

              
	
                Attention:
                  Bill Defee

              	
                    
                  Bill Defee, Area President

              
	
                Email:
                  bdefee@banksov.com

              	 

      

       

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      
        
          
          

        

        
          5

          
            

          

        

        
          
          

        

      

      

      
        	
                Revolving
                  Credit Commitment:

              	
                GREAT
                  SOUTHERN BANK 

              
	
                $5,000,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                1451
                  E. Battlefield

              	 
	
                Springfield,
                  MO 65804

              	
                By
                  /s/ Ron Pender

              
	
                Attn:
                  Ron Pender 

              	
                    
                  Ron Pender, Vice President

              
	
                glewis@greatsouthernbank.com 

              	 
	 	 

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      
        
          
          

        

        
          6

          
            

          

        

        
          
          

        

      

      

      
        	
                Revolving
                  Credit Commitment:

              	
                FIRST
                  STATE BANK OF NORTHWEST ARKANSAS

              
	
                $1,500,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                P.O.
                  Box 1807

              	 
	
                Fayetteville,
                  Arkansas 72702

              	
                By
                  /s/ Curtis Hutchins

              
	
                Attn:
                  Curtis Hutchins

              	
                    
                  Curtis Hutchins, President/Chief Executive

              
	
                E-mail:
                  chutchins@fsbnwa.com

              	
                      
                  Officer

              

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      
        
          
          

        

        
          7

          
            

          

        

        
          
          

        

      

      

      
        	
                Revolving
                  Credit Commitment:

              	
                FIRST
                  STATE BANK

              
	
                $6,000,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                620
                  Chestnut Street

              	 
	
                Conway,
                  AR 72703 

              	
                By
                  /s/ Michael Bynum

              
	
                Attention:
                  Michael Bynum

              	
                    
                  Michael Bynum, Senior Vice President

              
	
                mbynum@fsbmail.com 

              	 

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      
        
          
          

        

        
          8

          
            

          

        

        
          
          

        

      

      

      
        	
                Revolving
                  Credit Commitment:

              	
                ENTERPRISE
                  BANK & TRUST

              
	
                $6,000,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                12695
                  Metcalf Ave.

              	 
	
                Overland
                  Park, KS 66213

              	
                By
                  /s/ Craig G. Huston

              
	
                Attention:
                  Craig G. Huston

              	
                      
                  Craig G. Huston, President

              
	
                e-mail:
                  

              	 

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      
        
          
          

        

        
          9

          
            

          

        

        
          
          

        

      

      

      
        	
                Revolving
                  Credit Commitment:

              	
                COMMERCE
                  BANK, N.A.

              
	
                $8,000,000

              	 
	 	 
	
                Principal
                  Office and Lending Office:

              	 
	
                1000
                  Walnut St., BB17-1

              	 
	
                Kansas
                  City, MO 64106

              	 
	
                Attention:
                  David Emley

              	
                By
                  /s/ R. David Emley, Jr.

              
	
                mail:
                  david.emley@commercebank.com

              	
                      
                  R. David Emley, Jr., Vice President

              
	 	
                     
                  Regional Banking

              

      

      

      

      

      

      By
        execution of this Amendment, Commerce Bank, N.A. assumes all obligations
        as a
        Bank under the Colonial Credit Agreement to the extent of pro-rata
        share.

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      
        
          
          

        

        
          10

          
            

          

        

        
          
          

        

      

      

      
        	 	
                “AGENT”

              
	 	 
	 	
                BANK
                  OF ARKANSAS, N.A.

              
	 	 
	 	 
	 	 
	
                 

              	
                By
                  /s/ Jeffrey R. Dunn

              
	 	
                      
                  Jeffrey R. Dunn, President &
CEO

              

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      [Signature
        Page to Fourth Amendment to Amended and Restated Agented Revolving

      Colonial
        Credit Agreement dated April 28, 2006]

      

      

      
        
          
          

        

        
          11

          
            

          

        

        
          
          

        

      

      JOINDER
        OF BANK OF OKLAHOMA, N.A.

      

      Although
        not a party to this Amendment, the undersigned executes this Amendment to
        acknowledge its understanding of and agreement to comply with the terms and
        conditions of Section 2 hereof related to Allocation of Proceeds of
        Collateral.

      

      

      
        	 	
                BANK
                  OF OKLAHOMA, N.A.

              
	 	 
	 	 
	 	 
	
                 

              	
                By
                  /s/ Jeffrey R. Dunn

              
	 	
                      
                  Jeffrey R. Dunn, Vice President

              

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      
        [Signature
          Page to Fourth Amendment to Amended and Restated Agented Revolving

        Colonial
          Credit Agreement dated April 28, 2006]

       

      

      12

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