Common use of Costs, Expenses and Fees Clause in Contracts

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 Lxxxx. “BORROWER” COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx X. Xxxxxxx T. X. Xxxxxxx, III, President “SUBORDINATING PARTIES” AMERICA’S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxxxxxx Jxxx Xxxxxxxx, Vice President AMERICA’S CAR MART, INC., an Arkansas corporation By /s/ Jxxx Xxxxxxxx Jxxx Xxxxxxxx, Vice President “BANKS” Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 Principal Office and Lending Office: By /s/ Jxxxxxx X. Xxxx P.O. Box 1407 Jxxxxxx X. Xxxx, President & CEO Fxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: SOVEREIGN BANK $3,500,000 Principal Office and Lending Office: 7000 Xxxxx Xxxxxxx 000, Xxxxx 000 Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Attention: Bxxx Xxxxx Bxxx Xxxxx, Area President Email: bxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s/Rxx Xxxxxx Attn: Rxx Xxxxxx Rxx Xxxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: FIRST STATE BANK OF NORTHWEST ARKANSAS $1,500,000 Principal Office and Lending Office: P.X. Xxx 0000 Xxxxxxxxxxxx, Xxxxxxxx 00000 By /s/ Cxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxxxx Cxxxxx Xxxxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: FIRST STATE BANK $6,000,000 Principal Office and Lending Office: 600 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ Attention: Mxxxxxx Xxxxx Mxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 Principal Office and Lending Office: 10000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx Xxxxxx Attention: Cxxxx X. Xxxxxx Cxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Area By /s/ Dxxxxx X. Block E-mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. Block, Senior 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. Colonial Credit Agreement effective dated December 31, 2006] “AGENT” BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx X. Xxxx Jxxxxxx X. Xxxx, President & CEO Colonial Credit Agreement effective date December 31, 2006] 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.

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 Lxxxx. “BORROWER” COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx T. X. Xxxxxxx Xxxxxxx, III T. X. Xxxxxxx, III, President "GUARANTOR" and “SUBORDINATING PARTIESPARTY” AMERICA’S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxxxxxx Jxxx XxxxxxxxMxxx X. Xxxxxxx Mxxx X. Xxxxxxx, Vice President AMERICA’S CAR MART, INC., an Arkansas corporation By /s/ Jxxx Xxxxxxxx Jxxx XxxxxxxxMxxx X. Xxxxxxx Mxxx X. Xxxxxxx, Vice President “BANKS” Revolving Credit Commitment: BANK OF OKLAHOMA, N.A. $19,000,000 Principal Oxxxxx xxx Xxxxxxx Xxxxxx X.X. Xxx 0000 Xxxxx, XX 00000 By /s/ Jxxxxxx X. Xxxx Attn: Jxxx Xxxxxxxx jxxxxxxxx@xxxx.xxx Jxxxxxx X. Xxxx, Vice President Credit Agreement dated September 30, 2005] Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 1,000,000 Principal Office and Lending Office: P.X. Xxx 0000 Xxxxxxxxxxxx, XX 00000-0000 By /s/ Jxxxxxx X. Xxxx P.O. Box 1407 Attention: Jxxxxxx X. Xxxx Jxxxxxx X. Xxxx, President & CEO Fxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx Colonial jxxxx@xxxx.xxx Credit Agreement effective dated December 31September 30, 20062005] Revolving Credit Commitment: SOVEREIGN BANK $3,500,000 Principal Office and Lending Office: 7000 Xxxxx Xxxxxxx 000, Xxxxx 000 Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Wxxxxxx X. Xxxxxx Attention: Bxxx Xxxxx Bxxx XxxxxWxxxxxx X. Xxxxxx Wxxxxxx X. Xxxxxx, Area President Email: bxxxxx@xxxxxxx.xxx Colonial _____________ Credit Agreement effective dated December 31September 30, 20062005] Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s//s/ Rxx Xxxxxx Attn: Rxx Xxxxxx Rxx Xxxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial gxxxxx@xxxxxxxxxxxxxxxxx.xxx Credit Agreement effective dated December 31September 30, 20062005] Revolving Credit Commitment: FIRST STATE BANK OF NORTHWEST ARKANSAS $1,500,000 ARKANSAS Principal Office and Lending Office: P.X. Xxx 0000 Xxxxxxxxxxxx, Xxxxxxxx 00000 By /s/ Cxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxxxx Cxxxxx Xxxxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: FIRST STATE BANK $6,000,000 Principal Office and Lending Office: 600 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ Officer Credit Agreement dated September 30, 2005] Revolving Credit Commitment: FIRST STATE BANK $4,500,000 Principal Office and Lending Office: 600 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By /s/ Mxxxxxx Xxxxx Attention: Mxxxxxx Xxxxx Mxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31September 30, 2006] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 Principal Office and Lending Office: 10000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx Xxxxxx Attention: Cxxxx X. Xxxxxx Cxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Area By /s/ Dxxxxx X. Block E-mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. Block, Senior 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. Colonial Credit Agreement effective dated December 31, 20062005] “AGENT” BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx X. Xxxx Jxxxxxx X. Xxxx, President & CEO Colonial By execution hereof, we evidence our acknowledgment and acceptance of Section 1.1 to this First Amendment to Amended and Restated Revolving Credit Agreement, to the extent it applies to us: “Retiring Banks” LIBERTY BANK OF ARKANSAS By /s/ Sxxxx Xxxxxxx Sxxxx Xxxxxxx, Senior Vice President ARVEST BANK By /s/ Txx Xxxxxx Txx Xxxxxx, Senior Vice President Credit Agreement effective date December 31dated September 30, 2006] 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.2005]

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 Lxxxx. “BORROWER” COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx X. Xxxxxxx T.X. Xxxxxxx, III T. X. Xxxxxxx, III, President “SUBORDINATING PARTIES” AMERICA’S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxxxxxx Jxxx Xxxxxxxx, Vice President AMERICA’S CAR MART, INC., an Arkansas corporation By /s/ Jxxx Xxxxxxxx Jxxx Xxxxxxxx, Vice President “BANKS” Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 Principal Office and Lending Office: By /s/ Jxxxxxx X. Xxxx P.O. Box 1407 Jxxxxxx X. Xxxx, President & CEO Fxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx jxxxx@xxxx.xxx Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: SOVEREIGN BANK $3,500,000 Principal Office and Lending Office: 7000 Xxxxx Xxxxxxx 000, Xxxxx 000 Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Attention: Bxxx Xxxxx Bxxx Xxxxx, Area President Email: bxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s//s/ Rxx Xxxxxx Attn: Rxx Xxxxxx Rxx Xxxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx gxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: FIRST STATE BANK OF NORTHWEST ARKANSAS $1,500,000 Principal Office and Lending Office: P.X. Xxx 0000 Xxxxxxxxxxxx, Xxxxxxxx 00000 By /s/ Cxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxxxx Cxxxxx Xxxxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Officer Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: FIRST STATE BANK $6,000,000 Principal Office and Lending Office: 600 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ By /s/ Mxxxxxx Xxxxx Attention: Mxxxxxx Xxxxx Mxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 Principal Office and Lending Office: 10000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx X. Xxxxxx Attention: Cxxxx X. Xxxxxx Cxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31April 28, 2006] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Area Dxxxx Xxxxx By /s/ Dxxxxx X. Block E-R. Dxxxx Xxxxx, Xx. mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. Blockdxxxx.xxxxx@xxxxxxxxxxxx.xxx R. Dxxxx Xxxxx, Senior Xx., 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. Colonial Credit Agreement effective dated December 31April 28, 2006] “AGENT” BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx X. Xxxx Jxxxxxx X. Xxxx, President & CEO Colonial Credit Agreement effective date December 31dated April 28, 2006] 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/ Jxxxxxx X. Xxxx Jxxxxxx X. Xxxx, Vice President Colonial Credit Agreement dated April 28, 2006]

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 LxxxxXxxxx. “"BORROWER” " COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx /s/X.X. Xxxxxxx, III X. Xxxxxxx T. X. Xxxxxxx, III, President “"SUBORDINATING PARTIES” " AMERICA’S 'S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxxxxx X. Xxxxxxxx Jxxx Xxxxxxx X. Xxxxxxxx, Vice President AMERICA’S 'S CAR MART, INC., an Arkansas corporation By /s/ Jxxx Xxxxxxx X. Xxxxxxxx Jxxx Xxxxxxx X. Xxxxxxxx, Vice President “"BANKS” " Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 20,000,000 Principal Office and Lending Office: X.X. Xxx 0000 Xxxxxxxxxxxx, XX 00000-0000 By /s/ Jxxxxxx Xxxxxxx X. Xxxx P.O. Box 1407 Jxxxxxx Attention: Xxxxxxx X. Xxxx Xxxxxxx X. Xxxx, President & CEO Fxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx Colonial xxxxx@xxxx.xxx Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: SOVEREIGN BANK $3,500,000 Principal Office and Lending Office: 7000 0000 Xxxxx Xxxxxxx 000, Xxxxx 000 Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Xxxxxxx X. Xxxxxx Attention: Bxxx Xxxxx Bxxx XxxxxXxxxxxx X. Xxxxxx Xxxxxxx X. Xxxxxx, Area President Email: bxxxxx@xxxxxxx.xxx Colonial xxxxxxx@xxxxxxx.xxx Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 0000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s/Rxx /s/ Xxx Xxxxxx Attn: Rxx Xxx Xxxxxx Rxx Xxx Xxxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial xxxxxx@xxxxxxxxxxxxxxxxx.xxx Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: FIRST STATE BANK OF NORTHWEST ARKANSAS $1,500,000 Principal Office and Lending Office: P.X. X.X. Xxx 0000 Xxxxxxxxxxxx, Xxxxxxxx 00000 By /s/ Cxxxxx Xxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxx Xxxxxxxx Cxxxxx Xxxxxx Xxxxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Colonial xxxxxxxxx@xxxxxx.xxx Officer Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: FIRST STATE BANK $6,000,000 4,500,000 Principal Office and Lending Office: 600 000 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ By /s/ Xxxxxxx Xxxxx Attention: Mxxxxxx Xxxxxxx Xxxxx Mxxxxxx Xxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial xxxxxx@xxxxxxx.xxx Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 5,500,000 Principal Office and Lending Office: 10000 00000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx Xxxxx X. Xxxxxx Attention: Cxxxx Xxxxx X. Xxxxxx Cxxxx Xxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31February 24, 2006] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Area By /s/ Dxxxxx X. Block E-mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. Block, Senior 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. Colonial Credit Agreement effective dated December 31, 2006] “"AGENT” " BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx Xxxxxxx X. Xxxx Jxxxxxx Xxxxxxx X. Xxxx, President & CEO Colonial Credit Agreement effective date December 31, 2006] 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.Schedule "2.1"

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 LxxxxXxxxx. “BORROWER” COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx X. Xxxxxxx T. X. Xxxxxxx, IIIXxxx Xxxxxxxxx Xxxx Xxxxxxxxx, President “GUARANTORS” and “SUBORDINATING PARTIES” AMERICA’S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxx Xxxxxxxx Jxxx Xxxx Xxxxxxxx, Vice President AMERICA’S CAR MART, INC., an Arkansas corporation By /s/ Jxxx Xxxx Xxxxxxxx Jxxx Xxxx Xxxxxxxx, Vice President “BANKS” Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 Principal Office and Lending Office: By /s/ Jxxxxxx Xxxxxxx X. Xxxx P.O. Box 1407 Jxxxxxx Xxxxxxx X. Xxxx, President & CEO FxxxxxxxxxxxXxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx Xxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx Colonial xxxxx@xxxxxxxxxxxxxx.xxx Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: SOVEREIGN BANK $3,500,000 Principal Office and Lending Office: 7000 0000 Xxxxx Xxxxxxx 000, Xxxxx 000 Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Xxxx Xxxxxxxx Attention: Bxxx Xxxxx Bxxx XxxxxXxxx Xxxxxxxx Xxxx Xxxxxxxx, Area President Area President Email: bxxxxx@xxxxxxx.xxx Colonial xxxxxxxxx@xxxxxxx.xxx Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 0000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s/Rxx Xxx Xxxxxx Attn: Rxx Xxx Xxxxxx Rxx Xxx Xxxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial xxxxxxx@xxxxxxxxxxxxxxxxx.xxx Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: FIRST STATE BANK OF NORTHWEST ARKANSAS $1,500,000 Principal Office and Lending Office: P.X. X.X. Xxx 0000 Xxxxxxxxxxxx, Xxxxxxxx 00000 By /s/ Cxxxxx Xxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxx Xxxxxxxx Cxxxxx Xxxxxx Xxxxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Colonial xxxxxxxxx@xxxxxx.xxx Officer Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: FIRST STATE BANK $6,000,000 Principal Office and Lending Office: 600 000 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ By /s/ Xxxxxxx Xxxxx Attention: Mxxxxxx Xxxxxxx Xxxxx Mxxxxxx Xxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial xxxxxx@xxxxxxx.xxx Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 Principal Office and Lending Office: 10000 00000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx Xxxxx X. Xxxxxx Attention: Cxxxx Xxxxx X. Xxxxxx Cxxxx Xxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31May 16, 20062008] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 0000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Xxxx Area By /s/ Dxxxxx X. Block E-mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. BlockXxxx Area Xxxx Area, Senior 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. Colonial Credit Agreement effective dated December 31May 16, 20062008] “AGENT” BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx Xxxxxxx X. Xxxx Jxxxxxx Xxxxxxx X. Xxxx, President & CEO Colonial Credit Agreement effective date December 31dated May 16, 2006] 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.2008]

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 LxxxxXxxxx. “BORROWERBORROWERS” AMERICA’S CAR MART, INC., an Arkansas corporation By Xxxx X. Xxxxxxx, Vice President TEXAS CAR-MART, INC., formerly Texarkana Car Mart, Inc., a Texas corporation By Xxxx X. Xxxxxxx, Vice President COLONIAL AUTO FINANCE, INC., an Arkansas corporation By /s/ Txxxxx X. Xxxxxxx T. Xxxxxx X. Xxxxxxx, III, President “GUARANTOR” and “SUBORDINATING PARTIESPARTY” AMERICA’S CAR-MART, INC., a Texas corporation, formerly known as Crown Group, Inc. By /s/ Jxxx Xxxxxxxx Jxxx XxxxxxxxXxxx X. Xxxxxxx, Vice President AMERICA’S CAR MARTCredit Agreement dated November 30, INC.2003] “BANKS” Revolving Credit Commitment: BANK OF OKLAHOMA, an Arkansas corporation N.A. $24,000,000 Principal Xxxxxx xxx Xxxxxxx Xxxxxx X.X. Xxx 0000 Xxxxx, XX 00000 By /s/ Jxxx Attn: Xxxx Xxxxxxxx Jxxx XxxxxxxxXxxxxxx X. Xxxx, Vice President “BANKS” xxxxxxxxx@xxxx.xxx Revolving Credit Commitment: BANK OF ARKANSAS, N.A. $10,000,000 1,000,000 Principal Office and Lending Office: X.X. Xxx 0000 Xxxxxxxxxxxx, XX 00000-0000 By /s/ Jxxxxxx Attention: Xxxxxxx X. Xxxx P.O. Box 1407 Jxxxxxx Xxxxxxx X. Xxxx, President & CEO Fxxxxxxxxxxx, XX 00000-0000 Attention: Jxxxxxx X. Xxxx jxxxx@xxxxxxxxxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] xxxxx@xxxx.xxx Revolving Credit Commitment: SOVEREIGN ARVEST BANK $3,500,000 5,000,000 Principal Office and Lending Office: 7000 000 Xxxxxxxxxx Xxxxx Xxxxxxx 000Xxxxxx Xxxx, Xxxxx 000 XX 00000 By Attention: Xxx Xxxxxx Xxx Xxxxxx, Xxxxx 00000 By /s/ Bxxx Xxxxx Attention: Bxxx Xxxxx Bxxx Xxxxx, Area Senior Vice President Email: bxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] xxxxxxx@xxxxxx.xxx Revolving Credit Commitment: GREAT SOUTHERN BANK $5,000,000 Principal Office and Lending Office: 1000 0000 X. Xxxxxxxxxxx Xxxxxxxxxxx, XX 00000 By /s/Rxx Xxxxxx Attn: Rxx Xxxxxx Rxx XxxxxxXxxx Xxxxx Xxxx Xxxxx, Vice President rxxxxxx@xxxxxxxxxxxxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] xxxxxx@xxxxxxxxxxxxxxxxx.xxx Revolving Credit Commitment: FIRST ARKANSAS STATE BANK OF NORTHWEST ARKANSAS $1,500,000 2,500,000 Principal Office and Lending Office: P.X. Xxx 0000 Xxxxxxxxxxxx000 X. Xxxx Xxxxxx Xxxxxxx, Xxxxxxxx XX 00000 By /s/ Cxxxxx Xxxxxxxx Attn: Cxxxxx Xxxxxxxx Cxxxxx XxxxxxxxXxxxxx Xxxxxxxxx Art Xxxxxx, President/Chief Executive Officer E-mail: cxxxxxxxx@xxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] President and CEO xxxxxxx@xxxxxxxxxxxx.xxx Revolving Credit Commitment: FIRST STATE BANK $6,000,000 2,000,000 Principal Office and Lending Office: 600 000 Xxxxxxxx Xxxxxx Xxxxxx, XX 00000 By________________________________ By Attention: Mxxxxxx Xxxxxxx Xxxxx Mxxxxxx Xxxxxxx Xxxxx, Senior Vice President mxxxxx@xxxxxxx.xxx Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: ENTERPRISE BANK & TRUST $6,000,000 Principal Office and Lending Office: 10000 Xxxxxxx Xxx. Overland Park, KS 66213 By /s/ Cxxxx Xxxxxx Attention: Cxxxx X. Xxxxxx Cxxxx X. Xxxxxx, President e-mail: [Signature Page to Fifth Amendment to Amended and Restated Agented Revolving Colonial Credit Agreement effective dated December 31, 2006] Revolving Credit Commitment: COMMERCE BANK, N.A. $8,000,000 Principal Office and Lending Office: 1000 Xxxxxx Xx., XX00-0 Xxxxxx Xxxx, XX 00000 Attention: Kxxx Area By /s/ Dxxxxx X. Block E-mail: kxxx.xxxx@xxxxxxxxxxxx.xxx Dxxxxx X. Block, Senior 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. Colonial Credit Agreement effective dated December 31, 2006] xxxxxx@xxxxxxx.xxx “AGENT” BANK OF ARKANSAS, N.A. By /s/ Jxxxxxx X. Xxxx Jxxxxxx Xxxxxxx X. Xxxx, President & CEO Colonial Credit Agreement effective date December 31, 2006] JOINDER OF “PAYING AGENT” BANK OF OKLAHOMA, N.A. Although not a party to this AmendmentBy Xxxxxxx X. Xxxx, the undersigned executes this Amendment to acknowledge its understanding Vice President Schedule “1.1” (Restructured Promissory Note) Schedule “3.4” (Opinion of and agreement to comply with the terms and conditions of Section 2 hereof related to Allocation of Proceeds of Collateral.Borrower’s Counsel)