0001167966-05-001399 Sample Contracts

FIRST AMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVING CREDIT AGREEMENT
Credit Agreement • October 6th, 2005 • Americas Carmart Inc • Retail-auto dealers & gasoline stations • Arkansas

THIS FIRST AMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVING CREDIT AGREEMENT ("Amendment") is dated effective as of September 30, 2005, by and among COLONIAL AUTO FINANCE, INC., an Arkansas corporation (“Borrower”), BANK OF ARKANSAS, N.A., GREAT SOUTHERN BANK, FIRST STATE BANK, BANK OF OKLAHOMA, N.A., FIRST STATE BANK OF NORTHWEST ARKANSAS and SOVEREIGN BANK, and one or more additional lenders to be determined at a later date (“Additional Lender”) (individually a “Bank” and collectively the “Banks”), and BANK OF ARKANSAS, N.A., as agent for the Banks hereunder (in such capacity the “Agent”).

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SECOND AMENDMENT TO REVOLVING CREDIT AGREEMENT
Revolving Credit Agreement • October 6th, 2005 • Americas Carmart Inc • Retail-auto dealers & gasoline stations • Arkansas

THIS SECOND AMENDMENT TO REVOLVING CREDIT AGREEMENT ("Amendment") is dated effective as of September 30, 2005, 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”).

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