Document:

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                            LINE OF CREDIT AGREEMENT

     This Line of Credit Agreement (the "Agreement") is made and entered into by
and between National Education Loan Network, Inc., a Nevada corporation
("Lender") and Premiere Credit of North America, LLC, an Indiana limited
liability company ("Borrower") as of this 15th day of June, 2004.

     1.   PROMISE TO PAY. Borrower hereby promises to pay to Lender the total
of all credit advances and interest thereon together with all costs and expenses
for which Borrower is responsible under this Agreement. Borrower shall pay to
Lender all accrued and unpaid interest on the first business day of each month
during which any advances are outstanding. Payment of all balances outstanding
under this credit line shall be made by the Borrower to the Lender upon
termination of this Agreement. Borrower's promise to pay shall further be
evidenced by a promissory note in the form of Exhibit A, attached hereto, which
shall be executed and delivered by Borrower to Lender on the date hereof.

     2.   TERM. The term of this Agreement shall begin as of the date first
written above (the "Opening Date") and will continue until the earlier of the
time (i) Lender terminates the credit line for any reason described herein, or
(ii) that one (1) year lapses from the Opening Date and this Agreement is not
renewed. This Agreement shall automatically renew for successive terms of one
(1) year each following the initial term unless either party notifies the other
of its intent to terminate at least thirty (30) days prior to termination of the
initial term or any renewal term.

     3.   CREDIT LIMIT. This Agreement covers a revolving line of credit for
$1,000,000.00 which will be the Borrower's "Credit Limit" under this Agreement.
The Borrower may borrow against the Credit Limit, repay any portion of the
amount borrowed, and reborrow up to the amount of the Credit Limit. The Credit
Limit is a maximum amount the Borrower may have

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outstanding at any one time. The Borrower agrees not to attempt, request or
obtain a credit advance that will make the aggregate balance of indebtedness
exceed Borrower's Credit Limit. If Borrower exceeds the Credit Limit, Borrower
agrees to repay immediately the amount by which the balance of indebtedness
exceeds Borrower's Credit Limit.

     4.   CREDIT ADVANCES. After the Opening Date, Borrower may obtain credit
advances by requesting a credit advance by telephone or in person or by written
request. The following persons shall be authorized to request credit advances:
Todd J. Wolfe and David A. Hoeft, so long as they are members of the Borrower.
There shall be no minimum amount of any credit advance.

     5.   FINANCE CHARGES. Interest shall accrue from the date that an advance
is made hereunder at a variable annual rate equal to 250 basis points (2.50%)
above the thirty day LIBOR rate (the rate of Eurodollar deposits which appears
in THE WALL STREET JOURNAL or on Telerate Page 3750 as defined in the
International Swaps and Derivatives Associations, Inc. 1991 Interest Rate and
Currency Definitions) at the onset of this Agreement and adjusting monthly on
the first of each month until the principal balance is paid in full. Interest
shall accrue after default at the rate of 16% per annum.

     6.   DEFAULT. Lender may declare Borrower to be in default if any one or
more of the following events occur: (a) Borrower fails to pay any amount
hereunder when due; (b) Borrower becomes insolvent or terminates its corporate
existence; (c) Borrower makes any false or misleading statements; (d) Borrower
violates any provision of this Agreement or the security agreement or mortgage
referenced in Section 7 hereof; (e) Borrower exceeds its Credit Limit; (f)
Borrower files for bankruptcy or other insolvency relief, or an involuntary
petition under the provisions under the Federal Bankruptcy Act is filed against
Borrower; or (g) Lender, in good

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faith, deems itself insecure. If Borrower is in default, Borrower's right to
request advances hereunder shall terminate and the entire unpaid balance of all
aggregate advances hereunder shall be immediately due and payable, without prior
notice, and Borrower shall pay all interest accrued thereon and other amounts
due under this Agreement. Borrower shall furnish monthly financial statements
and balance sheets on a monthly basis and other financial information as Lender
may reasonably require from time to time.

     7.   SECURITY. The indebtedness evidenced by this Agreement shall be
secured by a first mortgage lien on Borrower's real estate described in Exhibit
B, attached hereto, as well as by a first security interest in all furniture and
equipment of Borrower. Borrower shall execute such mortgages, security
agreements, UCC-1 financing statements and other related documents as are
reasonably required to create and perfect such liens and security agreements.

     8.   AVAILABLE FUNDS. Lender may make credit advances to Borrower under
this Agreement only to the extent that Lender has available funds on hand,
uncommitted to third persons or entities, and such advances shall be suspended
during any period of time that Lender does not have sufficient funds available
to make a requested credit advance. Further, Lender may decline to make any
credit advance under this Agreement, as any advance will be at the discretion of
Lender, notwithstanding any other provision in this Agreement.

     9.   MISCELLANEOUS.

          A.   ASSIGNMENT. Borrower may not assign any rights or obligations
under this Agreement without the prior consent of Lender.

          B.   NOTICE. Unless otherwise expressly provided herein, all notices,
requests, demands or other instruments which may or are required to be given by
either party to the other, shall be in writing, and each shall be deemed to have
been properly given when served

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personally on an officer of the party to whom such notice is to be given, or
upon expiration of a period of 48 hours from and after the postmark thereof when
mailed postage prepaid by registered or certified mail, requesting return
receipt, addressed as follows:

If to Lender:

     National Education Loan Network, Inc.
     121 South 13th Street, Suite 201
     Lincoln, Nebraska 68508
     Attention: Terry Heimes
     Phone: 402/ 458-2303
     Fax No.: 402/ 458-2294

If to Borrower:

     Premiere Credit of North America, LLC
     2002 Wellesley Boulevard
     Indianapolis, Indiana 46219
     Phone: 317/ 869-2620
     Fax No.: 317/ 869-0617

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     IN WITNESS WHEREOF, the parties hereto have caused this Line of Credit
Agreement to be duly executed as of the day and year first written above.

   National Education Loan Network, Inc.   Premiere Credit of North America, LLC

   By:      /s/ Terry J. Heimes            By:     /s/ Todd J. Wolfe
           ----------------------                ---------------------------
            Terry J. Heimes, CFO                 Todd J. Wolfe, Manager

                                           By:     /s/ Charles Hosea
                                                 ---------------------------
                                                 Charles Hosea, Manager

                                           By:     /s/ David A. Hoeft
                                                 ---------------------------
                                                 David A. Hoeft, Manager

                                           By:     /s/ Cheryl E. Watson
                                                 ---------------------------
                                                 Cheryl E. Watson, Manager

                                        5<PAGE>

                                 PROMISSORY NOTE

     This promissory note (the "Note") is executed by the undersigned as of this
15th day of June, 2004. For value received, the undersigned promises to pay to
the order of National Education Loan Network, Inc.("Lender" or "Holder"), at 121
S. 13th Street, Suite 201, Lincoln, Nebraska 68508, or at such other place as
the Holder hereof may from time to time designate in writing, the sum of all
advances made by Lender to the undersigned pursuant to the Line of Credit
Agreement of even date herewith between Lender and the undersigned (the "Line of
Credit Agreement") (or otherwise), plus interest on the unpaid principal balance
at an annual interest rate equal to 250 basis points (2.50%) above the thirty
day LIBOR rate (the rate of Eurodollar deposits which appear in THE WALL STREET
JOURNAL or on Telerate Page 3750 as defined in the International Swaps and
Derivatives Associations, Inc. (991 Interest Rate and Currency Definitions) at
the onset of this Note and adjusting monthly on the first day of each month
until the principal balance is paid in full. The undersigned shall pay to Lender
all accrued and unpaid interest on the first business day of each month during
the term of the Line of Credit Agreement or any renewal thereof. Payment of all
balances outstanding under this Note shall be made by the undersigned to Lender
upon termination of the Line of Credit Agreement.

     If any payment is not made within twenty (20) days of when due hereunder, a
late charge in the amount of 1% of the payment may be assessed by Holder.
Payments, when made, shall be applied first to late charges, then to accrued
interest to the date of payment computed upon the outstanding unpaid balances
and the remainder applied to principal. After maturity or in the event of
default, this Note shall bear interest at the rate of 16% per annum.

     This Note may be prepaid, in whole or in part. Any partial prepayment shall
be applied as provided above, shall not postpone the due date of any subsequent
installments or change the amount of such installments, unless the Holder shall
otherwise agree in writing.

     The indebtedness evidenced by this Note is secured by a first lien created
by a mortgage on the real estate described in Exhibit A, attached hereto, as
well as a first security interest in all of the undersigned's furniture and
fixtures. Said mortgage and security interest are evidenced by separate
documents.

     At the option of the Holder, the payment of all principal, interest and
other fees due in accordance with the terms of this Note will be accelerated and
such principal, interest and other fees shall be immediately due and payable,
without notice or demand upon the occurrence of any of the following events of
default: (a) failure to pay any installment of principal, interest or other fee
hereunder when due; (b) default in the payment or performance of any liability
or undertaking of any of the undersigned's, or of any maker, endorser or
guarantor of any liability or undertaking of any of the undersigned's, to the
Holder pursuant to that certain Security

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Agreement, Mortgage or Line of Credit Agreement, each between the undersigned
and the Holder; (c) the Holder reasonably believes that the prospect for
repayment has been impaired or if the Holder otherwise reasonably deems itself
insecure; or (d) the Holder no longer owns at least 50% equity interest in the
undersigned.

     The proceeds of this Note shall be used only for the purposes set forth in
the Line of Credit Agreement.

     The undersigned, as well as all sureties, guarantors and endorsers waive
presentment for payment, protest and demand, notice of protest, demand and
dishonor and non-payment of this Note.

     In the event it should become necessary for Holder to hire counsel to
collect this obligation or to protect or foreclose the security given in
connection herewith, the undersigned agrees to pay upon demand reasonable
attorneys' fees for services of such counsel, whether or not suit is brought,
plus costs incurred in connection therewith. No delay or omission on the part of
the Holder hereof in exercising any right hereunder shall operate as a waiver of
such right or a remedy on any future occasion; nor shall any single or partial
exercise of any power, remedy or right provided for in this Note preclude
another or further exercise thereof or the exercise of any right, power or
remedy provided hereunder, or by law or equity or otherwise.

     This Note is the joint and several obligation of all makers, sureties,
guarantors and endorsers and is binding on them, their heirs, executors,
administrators, successors and assigns.

     The terms and provisions of this Note are intended to be and shall be
governed, interpreted and construed pursuant to the laws of the State of
Nebraska and venue for any legal action relating to interpretation or
enforcement of the provisions of this Note shall be proper in the District Court
of Lancaster County, Nebraska.

     If any interest rate, late charge, fee or cost provided for herein shall
exceed that which is allowed pursuant to any applicable statute or law, said
amount shall be deemed by the parties hereto to be modified so as to conform to
and equal the maximum amount allowed by said statute or law.

     Upon written request of the Holder, the undersigned maker will provide the
written opinion of an attorney, in a form reasonably and customarily given in a
transaction of this size and nature and mutually acceptable to both Holder and
maker, as to the enforceability and validity of this Note and the Security
Agreement, the authority of the undersigned to execute and deliver the same, and
such other matters as the Holder may reasonably request.

     Any notice to be given to the Holder shall be given by first class United
States Mail at the address set forth in the first paragraph above or such
further address as shall be directed in writing to makers. Any notice to be
given to any undersigned maker shall be given at the address set forth below or
such further address as shall be directed in writing to Holder hereof.

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     IN WITNESS HEREOF, the undersigned has executed this Promissory Note on the
day first above written.

                                    Premiere Credit of North America, LLC
                                    an Indiana limited liability company

                                           By:        /s/ Todd J. Wolfe
                                                    ---------------------------
                                           Title:
                                                    ---------------------------

                                           By:        /s/ Charles Hosea
                                                    ---------------------------
                                           Title:
                                                    ---------------------------

                                           By:        /s/ David A. Hoeft
                                                    ---------------------------
                                           Title:
                                                    ---------------------------

                                         Address:   2002 Wellesley Boulevard
                                                    Indianapolis, Indiana 46219

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