Document:

ex4-1.htm

    
      

    

    Exhibit
4.1

     

    SIXTH
AMENDMENT TO AMENDED AND RESTATED AGENTED

    REVOLVING
CREDIT AGREEMENT

    

    

    THIS SIXTH AMENDMENT TO AMENDED AND
RESTATED AGENTED REVOLVING CREDIT AGREEMENT ("Amendment") is dated
effective as of May 16, 2008, 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, 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, February 24,
2006, April 28, 2006, and December 31, 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 to include provisions related to rate management
transactions.  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, the defined term “Borrowing Base” is hereby deleted and replaced
with the following:

    

    “’Borrowing
Base” means, as of the date of determination, the remainder of (a) the amount
determined by multiplying the Advance Rate by the Net Eligible Contract Payments
then outstanding, minus
(b) $10,000,000 plus
the outstanding balance of the $10,000,000 Promissory Note payable by America’s
Car Mart, Inc. and Texas Car-Mart, Inc. to Bank of Oklahoma plus
$1,800,000.”

    

    1.2.           In
Section 1.01, the defined term “Obligations” is hereby deleted and replaced with
the following:

    

    “’Obligations’
means, collectively (i) all present and future loans, advances, liabilities,
obligations, covenants, duties, and debts owing by the Borrower to the Agent
and/or any Bank arising under or pursuant to this Agreement or any of the other
Loan Documents, whether or not evidenced by any note, or other instrument or
document, whether arising from an extension of credit, opening of a letter of
credit, acceptance, loan, guaranty, indemnification or otherwise, whether direct
or indirect (including, without limitation, those acquired by assignment from
others, and any participation by the Agent and/or any Bank in the Borrower’s
debts owing to others), absolute or contingent, due or to become due, primary or
secondary, as principal or guarantor, and including, without limitation, all
principal, interest, charges, expenses, fees, attorneys’ fees, filing fees and
any other sums chargeable to the Borrower hereunder or under any of the other
Loan Documents, and (ii) all Rate Management Obligations owing to one or more
Banks.”

     

    
      
         

      

      
        1

        
          

        

      

      
         

      

    

     

    1.3.           The
following new defined terms are hereby added to Section 1.01:

    

    “’Rate
Management Obligations’ of a Person means any and all obligations of such
Person, whether absolute or contingent and howsoever and whensoever created,
arising, evidenced or acquired (including all renewals, extensions and
modifications thereof and substitutions therefor), under (i) any and all Rate
Management Transactions, and (ii) any and all cancellations, buy backs,
reversals, terminations or assignments of any Rate Management
Transactions.”

    

    “’Rate
Management Transaction’ means any transaction (including an agreement with
respect thereto) now existing or hereafter entered by the Borrower which is a
rate swap, basis swap, forward rate transaction, commodity swap, commodity
option, equity or equity index swap, equity or equity index option, bond option,
interest rate option, foreign exchange transaction, cap transaction, floor
transaction, collar transaction, forward transaction, currency swap transaction,
cross-currency rate swap transaction, currency option or any other similar
transaction (including any option with respect to any of these transactions) or
any combination thereof, whether linked to one or more interest rates, foreign
currencies, commodity prices, equity prices or other financial
measures.”

    

    1.4.           A
new subparagraph (6) is hereby added to Section 6.02 (Debt), as
follows:

    

    
      	
               
      

            	
              "(6)    Debt
      arising under Rate Management Transactions related to the
      Loan.”

            

    

    

    1.5.           A
new subparagraph (16) is hereby added to Section 8.01 (Events of Default), as
follows:

    
      	
               
      

            	
              "(16)  Nonpayment
      by the Borrower or any Subsidiary of any Rate Management Obligation when
      due or the breach by the Borrower or any Subsidiary of any term, provision
      or condition contained in any Rate Management Transaction or any
      transaction of the type described in the definition of "Rate Management
      Transaction," whether or not any Bank or Affiliate of a Bank is a party
      thereto.”

            

    

    

    2.        
    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.

    

    
      	
               
      

            	
              2.1.

            	
              Borrower
      shall execute and deliver this
Amendment.

            

    

    

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

    

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

    

    3.           
 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.

     

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

     

    4. 
           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.

    

    5.    
        Ratification of Security
Agreements.  Borrower and each Guarantor hereby (i) ratifies
and confirms its respective Security Agreement dated June 23, 2005, (ii)
confirms that no Default exists thereunder, and (iii) acknowledges and agrees
that the obligations secured thereunder shall include all Rate Management
Obligations of Borrower, as defined herein.

    

    6.        
    Ratification of
Guaranties.  Each Guarantor hereby (i) ratifies and confirms
its respective Guaranty Agreement, (ii) confirms that no Default exists
thereunder, and (iii) acknowledges and agrees that the obligations guaranteed
thereunder shall include all Rate Management Obligations of Borrower, as defined
herein.

    

    7.       
     Ratification 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 and, further, acknowledges and agrees that
the Superior Obligations (as defined therein) shall include all Rate Management
Obligations of Borrower, as defined herein.

    

    8.      
      Governing
Law.  This Agreement and the Note shall be governed by, and
construed in accordance with, the laws of the State of Arkansas.

    

    9.       
     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.

    

    10.           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.

    

    [Signature
pages follow.]

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

    

    

    
      	 
      	
              “BORROWER”

            	 
      
	 
      	 
      	 
      
	 
      	
              COLONIAL AUTO FINANCE,
      INC., an  Arkansas corporation

            	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	
              By
      /s/ Hank Henderson

            	 
      
	 
      	
              Hank
      Henderson, President

            	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	
              “GUARANTORS”
      and

            	 
      
	 
      	
              “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

            	 
      

    

     

     

    
      
         

      

      
        4

        
          

        

      

      
         

      

    

    
 

    
      	 
      	
              “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@bankofarkansas.com

            	 
      	 
      

    

    

    

    

    

    

    

    

    

    

    

    

     

    

    

    

    

    

    

    

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

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        5

        
          

        

      

      
         

      

    

    

    
      	
              Revolving
      Credit Commitment:

            	
              SOVEREIGN
      BANK

            	 
      
	
              $3,500,000

            	 
      	 
      
	 
      	 
      	 
      
	
              Principal
      Office and Lending Office:

            	 
      	 
      
	
              7301
      State Highway 161, Suite 130

            	 
      	 
      
	
              Irving,
      Texas  75039

            	
              By
      /s/ Jack Roberson

            	 
      
	
              Attention:
      Jack Roberson

            	
              Jack
      Roberson, Area President

            	 
      
	
              Area
      President

            	 
      	 
      
	
              Email:
      jroberson@banksov.com

            	 
      	 
      

    

     

    

    

    

    

    

    

    

    

    

    

    

    

    
 

    

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

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        6

        
          

        

      

      
         

      

    

    

    

    
      	
              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

            	 
      
	
              rpender@greatsouthernbank.com

            	 
      	 
      

    

    

    

     

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

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

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        7

        
          

        

      

      
         

      

    

    

    

    
      	
              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 Sixth Amendment to Amended and Restated Agented Revolving

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        8

        
          

        

      

      
         

      

    

    

    

    
      	
              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 Sixth Amendment to Amended and Restated Agented Revolving

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        9

        
          

        

      

      
         

      

    

    

    
      	
              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

            	 
      

    

     

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

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

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        10

        
          

        

      

      
         

      

    

    
 

    
      	
              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:
      Kyle Area

            	
              By
      /s/ Kyle Area

            	 
      
	 
      	
              Kyle
      Area, Vice President

            	 
      
	 
      	
              Regional
      Banking

            	 
      

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

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

    Credit
Agreement dated May 16, 2008]

    
      
         

      

      
        11

        
          

        

      

      
         

      

    

    

    

    
      	 
      	
              “AGENT”

            	 
      
	 
      	 
      	 
      	 
      
	 
      	
              BANK
      OF ARKANSAS, N.A.

            	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
              /s/
      Jeffrey R. Dunn

            	 
      
	 
      	 
      	
              Jeffrey
      R. Dunn, President & CEO

            	 
      

    

     

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

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

    Credit
Agreement dated May 16, 2008]

     

     

    12ex4-2.htm

    
      

    

    Exhibit
4.2

     

    FIFTH
AMENDMENT TO REVOLVING CREDIT AGREEMENT

    

    

    THIS FIFTH AMENDMENT TO REVOLVING
CREDIT AGREEMENT ("Amendment") is dated effective as of May 16, 2008, by
and among AMERICA’S CAR MART,
INC., an Arkansas corporation and TEXAS CAR-MART, INC., a Texas
corporation (separately and collectively, “Borrower”) and BANK OF OKLAHOMA, N.A.
(“Bank”).

    

    

    RECITALS

    

    A.           Reference
is made to the Revolving Credit Agreement dated as of June 23, 2005, and amended
effective June 23, 2005, August 19, 2005, September 30, 2005, April 28, 2006,
and December 31, 2006 (as amended, the "ACM Credit Agreement"), by and among
Borrowers and Bank, pursuant to which currently exists a $10,000,000 Revolving
Line of Credit and a $10,000,000 Term Loan in favor or Borrowers.

    

    B.           Borrower
and Bank hereby intend to make certain changes to the ACM Credit Agreement to
include provisions related to rate management transactions.  Terms
used herein shall have the meanings given in the ACM Credit Agreement unless
otherwise defined herein.

    

    AGREEMENT

    

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

    

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

    

    1.1.         
In Section 1.01, the defined term “Obligations” is hereby deleted and replaced
with the following:

    

    “’Obligations’
means, collectively (i) all present and future loans, advances, liabilities,
obligations, covenants, duties, and debts owing by the Borrower to the Agent
and/or any Bank arising under or pursuant to this Agreement or any of the other
Loan Documents, whether or not evidenced by any note, or other instrument or
document, whether arising from an extension of credit, opening of a letter of
credit, acceptance, loan, guaranty, indemnification or otherwise, whether direct
or indirect (including, without limitation, those acquired by assignment from
others, and any participation by the Agent and/or any Bank in the Borrower’s
debts owing to others), absolute or contingent, due or to become due, primary or
secondary, as principal or guarantor, and including, without limitation, all
principal, interest, charges, expenses, fees, attorney’s fees, filing fees and
any other sums chargeable to the Borrower hereunder or under any of the other
Loan Documents, and (ii) all Rate Management Obligations owing to the
Bank.”

    

    1.2.           The
following new defined terms are hereby added to Section 1.01:

    

    “’Rate
Management Obligations’ of a Person means any and all obligations of such
Person, whether absolute or contingent and howsoever and whensoever created,
arising, evidenced or acquired (including all renewals, extensions and
modifications thereof and substitutions therefor), under (i) any and all Rate
Management Transactions, and (ii) any and all cancellations, buy backs,
reversals, terminations or assignments of any Rate Management
Transactions.”

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    “’Rate
Management Transaction’ means any transaction (including an agreement with
respect thereto) now existing or hereafter entered by the Borrower which is a
rate swap, basis swap, forward rate transaction, commodity swap, commodity
option, equity or equity index swap, equity or equity index option, bond option,
interest rate option, foreign exchange transaction, cap transaction, floor
transaction, collar transaction, forward transaction, currency swap transaction,
cross-currency rate swap transaction, currency option or any other similar
transaction (including any option with respect to any of these transactions) or
any combination thereof, whether linked to one or more interest rates, foreign
currencies, commodity prices, equity prices or other financial
measures.”

    

    1.3.           A
new subparagraph (7) is hereby added to Section 6.02 (Debt), as
follows:

    

    
      	
               
      

            	
              "(7)    Debt
      arising under Rate Management Transactions related to the
      Loan.”

            

    

    

    1.4.           A
new subparagraph (14) is hereby added to Section 8.01 (Events of Default), as
follows:

    

    
      	
               
      

            	
              "(14)    Nonpayment
      by the Borrower or any Subsidiary of any Rate Management Obligation when
      due or the breach by the Borrower or any Subsidiary of any term, provision
      or condition contained in any Rate Management Transaction or any
      transaction of the type described in the definition of "Rate Management
      Transaction," whether or not the Bank or an Affiliate of the Bank is a
      party thereto.”

            

    

    

    2.         
   Conditions
Precedent.  The obligations of the Bank to perform under the
ACM Credit Agreement, as amended hereby, are subject to satisfaction of the
following.

    

    4.1           Borrower
and all other parties hereto shall execute and deliver this
Amendment.

    

    4.2           No
Default or Event of Default shall exist or result from the execution and
delivery of this Amendment.

    

    3.           
 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.

    

    4.          
  Ratification.  Borrower
hereby ratifies and confirms the ACM Credit Agreement, and all instruments,
documents, and agreements executed by and in connection therewith, and confirms
that no Default exists thereunder.

    

    5.        
    Ratification of Security
Agreements.  Each Borrower and Colonial hereby (i) ratifies and
confirms its respective Security Agreement dated June 23, 2005, (ii) confirms
that no Default exists thereunder, and (iii) acknowledges and agrees that the
obligations secured thereunder shall include all Rate Management Obligations of
Borrower, as defined herein.

    

    6.         
   Ratification of
Guaranties.  ACM-Texas and Colonial each hereby (i) ratifies
and confirms its respective Guaranty dated June 23, 2005, (ii) confirms that no
Default exists thereunder, and (iii) acknowledges and agrees that the
obligations guaranteed thereunder shall include all Rate Management Obligations
of Borrower, as defined herein.

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    7.          
  Ratification of
Subordination Agreements.  ACM-Texas and Colonial each hereby
(i) ratifies and confirms its respective Subordination Agreement dated June 23,
2005, (ii) confirms that no Default exists thereunder, and (iii) acknowledges
and agrees that the Superior Obligations (as defined therein) shall include all
Rate Management Obligations of Borrower, as defined herein.

    

    8.           
 Governing
Law.  This Agreement and the Notes shall be governed by, and
construed in accordance with, the laws of the State of Arkansas.

    

    9.         
   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.

    

    10.           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.

    

    

    

    

    [Signature
page follows.]

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

    

    
      	 
      	“BORROWER”	 
      
	 
      	 
      	 
      	 
      
	 
      	AMERICA’S CAR MART,
      INC., an Arkansas corporation	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
               /s/
      Jeff Williams

            	 
      
	 
      	 
      	
              Jeff
      Williams, Vice President

            	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	TEXAS CAR-MART, INC., a
      Texas	 
      
	 
      	Corporation	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
              /s/
      Jeff Williams

            	 
      
	 
      	 
      	
              Jeff
      Williams, Vice President

            	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	"GUARANTORS"
      and “SUBORDINATING PARTIES”	 
      
	 
      	 
      	 
      	 
      
	 
      	AMERICA’S CAR-MART,
      INC., a Texas corporation, formerly known as Crown Group,
      Inc.	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
               /s/
      Jeff Williams

            	 
      
	 
      	 
      	
              Jeff
      Williams, Vice President

            	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	COLONIAL AUTO FINANCE,
      INC.,	 
      
	 
      	an
      Arkansas corporation	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
               /s/
      Hank Henderson

            	 
      
	 
      	 
      	
              Hank
      Henderson, President

            	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	“BANK”	 
      
	 
      	 
      	 
      	 
      
	 
      	BANK
      OF OKLAHOMA, N.A.	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	
              By

            	
               /s/
      Jeffrey R. Dunn

            	 
      
	 
      	 
      	
              Jeffrey
      R. Dunn, Vice President

            	 
      

    

    
4

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