Exhibit 10(j) TWELFTH AMENDMENT TO REVOLVING CREDIT AND TERM LOAN AGREEMENT This Twelfth Amendment to Revolving Credit and Term Loan Agreement ("Amendment") dated as of June 30, 1999 by and among 1st Franklin Financial Corporation ("Company"), First...Revolving Credit and Term Loan Agreement • April 10th, 2000 • First Franklin Financial Corp • Personal credit institutions • Pennsylvania
