0000887136-05-000002 Sample Contracts

First Amended and Restated Promissory Note ($2,000,000) to Darrell R. Wells
Citizens Financial Corp /Ky/ • March 31st, 2005 • Accident & health insurance • Kentucky

This Amended and Restated Promissory Note (this “Note”) amends and restates and replaces an instrument dated as of December 19, 2003 titled “Promissory Note” made by Maker to the order of Payee in the face principal amount of $2,000,000. This Note is not intended to be and shall not be construed as a novation of the indebtedness evidenced by the instrument that it replaces. This Note shall be entitled to the benefits (in the same priority) of, inter alia, any security at any time granted and pledged by Maker to Payee in conjunction with the original execution and delivery of the Promissory Note or by Maker or any other person at any time thereafter.

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