OFFICE BUILDING LEASEPioneer Financial Services Inc • February 18th, 2003 • Missouri
Building: The multiple story building at 4700 Belleview, Kansas City, Missouri 64112, which contains a total of approximately 81,917 net rentable feet.
Exhibit 10.5 EMPLOYMENT CONTRACT Whitbread Management, Inc., hereinafter designated as "Employer," agrees to and does employ Randall Joseph Opliger, hereinafter designated as "Employee," who accepts said employment on the following basis: 1. Employee...Employment Contract • February 18th, 2003 • Pioneer Financial Services Inc
Exhibit 4.1 FORM OF DEBENTURE Incorporated under the laws of the State of Missouri PIONEER FINANCIAL SERVICES, INC. Junior Subordinated Debenture Amount $____________________ No._______ Registered Owner:__________________________________________ For...Pioneer Financial Services Inc • February 18th, 2003
For value received, Pioneer Financial Services, Inc. (the "Company") promises to pay to the Registered Owner or registered assigns the principal amount of ____________ thousand dollars ($__________) on or prior to the Maturity Date, and to pay interest thereon at the rate of ___% per annum from the Issue Date hereof, or from the most recent date to which interest has been paid, all as follows:
Exhibit 10.8 CAPITAL CONTRIBUTION AGREEMENT KNOW ALL PERSONS BY THESE PRESENTS, that Pioneer Financial Industries, Inc., a Nevada corporation ("Transferor"), as an additional capital contribution in consideration of its ownership of 100% of the shares...Capital Contribution Agreement • December 12th, 2003 • Pioneer Financial Services Inc • Personal credit institutions
KNOW ALL PERSONS BY THESE PRESENTS, that Pioneer Financial Industries, Inc., a Nevada corporation ("Transferor"), as an additional capital contribution in consideration of its ownership of 100% of the shares of capital stock of Pioneer Financial Services, Inc., a Missouri corporation ("Transferee"), hereby sells, exchanges, transfers, assigns and conveys unto Transferee, its successors and assigns, all of Transferor's right, title and interest in and to one share of Pioneer Sales Services, GmbH, a German limited liability company, such share representing all ownership interests of Transferor in Pioneer Sales Services, GmbH.
Exhibit 4.9 AMENDED AND RESTATED SENIOR LENDING AGREEMENT DATED AS OF October 1, 2003 This Amended and Restated Senior Lending Agreement ("Agreement") is made as of this 1st day of October, 2003 (the "Effective Date") by and between Pioneer Financial...Senior Lending Agreement • December 12th, 2003 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
Exhibit 10.10 STOCK PURCHASE AGREEMENT This Agreement is made and entered into this 29th day of October, 2003, but is agreed to be effective as of the 30th day of September, 2003, by and between Pioneer Financial Industries, Inc., a Nevada...Stock Purchase Agreement • December 12th, 2003 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
EMPLOYMENT AGREEMENTEmployment Agreement • December 7th, 2010 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
WHEREAS, the Company wishes to employ the Executive and the Executive wishes to accept such employment upon the terms and conditions set forth in this Agreement, for the period beginning on November 29, 2010 (the “Effective Date”) and ending on the date as provided for in Section 3 hereof (the “Employment Period”);
CREDIT AGREEMENT dated as of December 23, 2015 among PIONEER FINANCIAL SERVICES, INC., PIONEER FUNDING, INC., PSLF, INC., PIONEER SERVICES SALES FINANCE, INC., and PIONEER MILITARY INSURANCE COMPANY, jointly and severally as the Company and THE...Credit Agreement • December 30th, 2015 • Pioneer Financial Services Inc • Personal credit institutions • Illinois
The Assignee hereby confirms that it has received a copy of the Credit Agreement, and the other Loan Documents. Except as otherwise provided in the Credit Agreement, effective as of the Effective Date:
FIRST AMENDMENT TO EXHIBIT B TO THE FIFTH AMENDED AND RESTATEDMaster Services Agreement • December 26th, 2018 • Pioneer Financial Services Inc • Personal credit institutions
THIS FIRST AMENDMENT TO EXHIBIT B TO THE FIFTH AMENDED AND RESTATED NON-RECOURSE LOAN SALE AND MASTER SERVICES AGREEMENT (this “First Amendment”), dated as of December 6, 2017, is made by and between MidCountry Bank, FSB (“MidCountry Bank”) and Pioneer Financial Services, Inc., a Missouri corporation, Pioneer Funding, Inc., a Nevada corporation, Pioneer Services Corp., a Missouri corporation, and Pioneer Services Sales Finance, Inc., a Nevada corporation (each a “Purchaser” and, collectively, “Purchasers” or “Pioneer”).
MASTER SERVICES AGREEMENTMaster Services Agreement • June 29th, 2015 • Pioneer Financial Services Inc • Personal credit institutions • Florida
This MASTER SERVICES AGREEMENT (“Agreement”) effective June 30, 2014 (“Effective Date”) is made by and between Pioneer Financial Services, Inc., a Missouri corporation with its principal place of business located at 4700 Belleview, Suite 300, Kansas City, MO 64112 (“Client”) and FIDELITY INFORMATION SERVICES, LLC, an Arkansas limited liability company located at 601 Riverside Avenue, Jacksonville, FL 32204 (together with its Affiliates, “FIS”). In consideration of the respective undertakings, promises and obligations upon the terms and conditions stated herein, and such other good and valuable consideration the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:
ASSET SALE AGREEMENTAsset Sale Agreement • August 13th, 2019 • Pioneer Financial Services Inc • Personal credit institutions • New York
SECURED PROMISSORY NOTEPioneer Financial Services Inc • August 13th, 2019 • Personal credit institutions • New York
FOR VALUE RECEIVED, and subject to the terms and conditions set forth herein, Pioneer Financial Services, Inc., a Missouri corporation, Pioneer Funding, Inc., a Nevada corporation, Pioneer Services Corp., a Missouri corporation, and Pioneer Services Sales Finance, Inc., a Nevada corporation (individually, each a "Borrower" and collectively, the "Borrowers"), hereby unconditionally promises to pay to the order of CF Pioneer Funding LLC or its successors and assigns (the "Noteholder," and together with the Borrower, the "Parties"), the principal amount of SEVENTY MILLION DOLLARS ($70,000,000) (the "Loan"), together with all accrued interest thereon, as provided in this Promissory Note (as it may be amended, supplemented or otherwise modified from time to time in accordance with the terms hereof, this "Note").
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSLending Agreement • January 18th, 2011 • Pioneer Financial Services Inc • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of October 15, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Guaranty Bank, a Missouri corporation with offices located at 1341 W. Battlefield, Springfield, MO 65807 (hereinafter referred to as “New Bank”).
TWENTY-SIXTH AMENDMENT TO SECURED SENIOR LENDING AGREEMENT BY AND BETWEEN PIONEER FINANCIAL SERVICES, INC., PIONEER SERVICES SALES FINANCE, INC., AND PIONEER FUNDING, INC. AND SUBSIDIARIES (COLLECTIVELY, THE “BORROWERS”) AND UMB BANK, N.A., ARVEST...Senior Lending Agreement • August 12th, 2011 • Pioneer Financial Services Inc • Personal credit institutions
This Twenty-Sixth Amendment to Secured Senior Lending Agreement (the “Amendment”) is made and is effective as of this 3rd day of May, 2011 (the “Effective Date”) by and between the following parties:
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • August 12th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of June 24, 2011, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Carrollton Bank an Illinois corporation with offices located at 11710 Manchester Road, Saint Louis, MO 64131-4614 (hereinafter referred to as “New Bank”).
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • May 15th, 2009 • Personal credit institutions
This Amendment to that certain Amended and Restated Senior Lending Agreement dated as of May 31, 2007, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of October 18, 2007 by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement; Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”) certain of its Subsidiaries and SolutionsBank, a Kansas corporation with offices located at Overland Park, KS (hereinafter referred to as “New Bank”).
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of October 26, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and ONB Bank and Trust Company a Oklahoma corporation with offices located at 3501 French Park Drive, Ste. B, Edmond, OK 73034 (hereinafter referred to as “New Bank”).
EMPLOYMENT AGREEMENTEmployment Agreement • December 29th, 2008 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
THIS AGREEMENT, dated as of February 1, 2007, is made by and between Pioneer Financial Industries, Inc., a Nevada corporation (the "Company"), and Laura Stack, an individual resident of the State of Missouri (the "Executive").
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of September 15, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Blue Ridge Bank and Trust Co. a Missouri corporation with offices located at 4200 Little Blue Parkway, Independence, MO 64057 (hereinafter referred to as “New Bank”).
THIRTY NINTH AMENDMENT TO SECURED SENIOR LENDING AGREEMENT BY AND BETWEEN PIONEER FINANCIAL SERVICES, INC., PSLF, INC., PIONEER SERVICES SALES FINANCE, INC., AND PIONEER FUNDING, INC. And SUBSIDIARIES (COLLECTIVELY, THE “BORROWERS”) and UMB Bank,...Lending Agreement • November 21st, 2014 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
This Thirty Ninth Amendment to Secured Senior Lending Agreement (this “Amendment”) is made and is effective as of this 17th day of November, 2014 (the “Effective Date”) by and between the following parties (individually a "Party" and collectively, the "Parties"):
FORM OF AMENDMENT TO SECURED SENIOR LENDING AGREEMENT TO CHANGE STATUS OF NON- VOTING BANK TO VOTING BANKSecured Senior Lending Agreement • August 12th, 2011 • Pioneer Financial Services Inc • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of May 5, 2011, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement; Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and ONB Bank and Trust Company, an Oklahoma corporation with offices located at 3501 French Park Drive, Ste. B, Edmond, OK 73034 (hereinafter referred to as “Non-Voting Bank”). All initially capitalized terms not defined in this Amendment will have the same meanings herein as in the Senior Lending Agreement.
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of October 6, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and First Community Bank a Missouri corporation with offices located at 9820 Metcalf Ave, Ste 1100, Overland Park, KS 66212 (hereinafter referred to as “New Bank”).
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of November 19, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Alterra Bank a Kansas corporation with offices located at 11120 W. 135th St. Overland Park, Kansas 66221 (hereinafter referred to as “New Bank”).
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • August 13th, 2010 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of June 25, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Stifel Bank & Trust, a Missouri corporation with offices located at 955 Executive Parkway, Suite 216, St. Louis, MO 63141 (hereinafter referred to as “New Bank”).
AMENDMENT NO. 2 TO CREDIT AGREEMENTCredit Agreement • June 6th, 2017 • Pioneer Financial Services Inc • Personal credit institutions
This AMENDMENT NO. 2 TO CREDIT AGREEMENT (this “Agreement”) is entered into as of May 31, 2017, and is by and among Pioneer Financial Services, Inc., a Missouri corporation, Pioneer Funding, Inc., a Nevada corporation, PSLF, Inc., a Missouri corporation, and Pioneer Services Sales Finance, Inc., a Nevada corporation, jointly and severally (individually and collectively, the “Company”), the Required Lenders, and The PrivateBank and Trust Company, as administrative agent for the Lenders.
AMENDED AND RESTATED SENIOR LENDING AGREEMENT DATED AS OF MAY 31, 2007Senior Lending Agreement • June 6th, 2007 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
FOR VALUE RECEIVED, the undersigned “Maker” promises to pay to the order of Pioneer Financial Services, Inc., a Missouri corporation, (hereinafter called “Lender”), at its main office, on demand, the principal sum of _______________________________ or such other lesser amount as shall be noted on the Schedule of Disbursements and Payments of Principal included herein or attached hereto pursuant to the authority set forth herein, together with interest on the unpaid principal balance hereof from time to time outstanding from date(s) of disbursement(s) until paid, at the rate of nine percent per annum with all interest calculated and payable monthly in arrears, based on the month-end balance. Unless Lender, in its sole discretion, may from time to time otherwise direct, all payments shall be applied first to payment of accrued interest, and then to reduction of the principal sum due hereunder. This note shall bear interest after maturity, whether by reason of acceleration or otherwise, a
FIRST AMENDMENT TO EXHIBIT A TO THE FIFTH AMENDED AND RESTATEDMaster Services Agreement • May 15th, 2017 • Pioneer Financial Services Inc • Personal credit institutions
THIS FIRST AMENDMENT TO EXHIBIT A TO THE FIFTH AMENDED AND RESTATED NON-RECOURSE LOAN SALE AND MASTER SERVICES AGREEMENT (this “Amendment”), dated as of March 20, 2017, is made by and between MidCountry Bank, FSB (“MidCountry Bank”) and Pioneer Financial Services, Inc., a Missouri corporation, Pioneer Funding, Inc., a Nevada corporation, PSLF, Inc., a Missouri corporation, Pioneer Services Sales Finance, Inc., a Nevada corporation, and Pioneer Military Insurance Company, a Nevada corporation (each a “Purchaser” and, collectively, “Purchasers” or “Pioneer”).
TO SECURED SENIOR LENDING AGREEMENTSecured Senior Lending Agreement • August 13th, 2010 • Pioneer Financial Services Inc • Personal credit institutions • Kansas
This Second Amendment to Secured Senior Lending Agreement (this “Amendment”) is made and is effective as of this 29 day of March, 2010 (the “Effective Date”) by and between Pioneer Financial Services, Inc., a Missouri corporation (hereinafter referred to as “Pioneer”), Pioneer Military Lending of Nevada, LLC, a Nevada limited liability company (“Nevada”), Pioneer Military Lending of Georgia, LLC, a Georgia limited liability company (“Georgia”), Pioneer Services Sales Finance, Inc., a Nevada corporation (“Acceptance”) and Pioneer Funding, Inc., a Nevada corporation (“Funding”), UMB Bank, N.A., a national banking association (“UMB”), Arvest Bank, an Oklahoma banking corporation (“Arvest”), Commerce Bank, N.A., a national banking association (“Commerce”), First Bank, a Missouri banking corporation (“FBM”), Texas Capital Bank, N.A., a national banking association (“Texas”), Southwest Bank, an M&I Bank, a Missouri banking corporation (“Southwest”), First Citizesn Bank, a Kentucky banking co
UNLIMITED CONTINUING GUARANTYUnlimited Continuing Guaranty • June 18th, 2009 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
TO: UMB Bank, N.A., as Agent for the Banks under that certain Secured Senior Lending Agreement dated as of June 12, 2009 1010 Grand Boulevard Kansas City, Missouri 64106
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of July 1, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and Page County State Bank, a Iowa corporation with offices located at 120 East Washington Street, Clarinda, IA 51632 (hereinafter referred to as “New Bank”).
THIRTY SIXTH AMENDMENT TO SECURED SENIOR LENDING AGREEMENT BY AND BETWEEN PIONEER FINANCIAL SERVICES, INC., PIONEER SERVICES SALES FINANCE, INC., PIONEER FUNDING, INC., PSLF, INC. AND SUBSIDIARIES (COLLECTIVELY, THE “BORROWERS”) AND UMB BANK, N.A.,...Lending Agreement • June 27th, 2013 • Pioneer Financial Services Inc • Personal credit institutions • Georgia
This Thirty Sixth Amendment to Secured Senior Lending Agreement (the “Amendment”) is made and is effective as of this 21st day of June, 2013 (the “Effective Date”) by and between the following parties:
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of July 8, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and CrossFirst Bank Leawood, a Kansas corporation with offices located at 4707 West 135th Street, Overland Park, KS 66224 (hereinafter referred to as “New Bank”).
THIRD AMENDMENT TO EXHIBIT A TO THE FIFTH AMENDED AND RESTATEDMaster Services Agreement • October 5th, 2017 • Pioneer Financial Services Inc • Personal credit institutions
THIS THIRD AMENDMENT TO EXHIBIT A TO THE FIFTH AMENDED AND RESTATED NON-RECOURSE LOAN SALE AND MASTER SERVICES AGREEMENT (this “Third Amendment”), dated as of September 29, 2017, is made by and between MidCountry Bank, FSB (“MidCountry Bank”) and Pioneer Financial Services, Inc., a Missouri corporation, Pioneer Funding, Inc., a Nevada corporation, Pioneer Services Corp., a Missouri corporation, and Pioneer Services Sales Finance, Inc., a Nevada corporation (each a “Purchaser” and, collectively, “Purchasers” or “Pioneer”).
SECURED SENIOR LENDING AGREEMENT by and between Pioneer Financial Services, Inc., and Subsidiaries (“Borrowers”) UMB Bank, N.A., Arvest Bank, Commerce Bank, N.A., First Bank, Texas Capital Bank, N.A., Southwest Bank, an M&I Bank, SolutionsBank,...Secured Senior Lending Agreement • June 18th, 2009 • Pioneer Financial Services Inc • Personal credit institutions • Missouri
This Secured Senior Lending Agreement (the “Agreement”) is made and is effective as of this 12th day of June, 2009 (the “Effective Date”) by and between Pioneer Financial Services, Inc., a Missouri corporation (hereinafter referred to as “Pioneer”), Pioneer Military Lending of Nevada, LLC, a Nevada limited liability company (“Nevada”), Pioneer Military Lending of Georgia, LLC, a Georgia limited liability company (“Georgia”), Military Acceptance Corporation, Inc., a Nevada corporation (“Acceptance”) and Pioneer Funding, Inc., a Nevada corporation (“Funding”), UMB Bank, N.A., a national banking association (“UMB”), Arvest Bank, an Oklahoma banking corporation (“Arvest”), Commerce Bank, N.A., a national banking association (“Commerce”), First Bank, a Missouri banking corporation (“FBM”), Texas Capital Bank, N.A., a national banking association (“Texas”), Southwest Bank, an M&I Bank, a Missouri banking corporation (“Southwest”), SolutionsBank, a Kansas banking corporation (“Solutions”) and
FORM OF AMENDMENT TO SENIOR LENDING AGREEMENT TO ADD BANKS OR OTHER FINANCIAL INSTITUTIONSPioneer Financial Services Inc • January 18th, 2011 • Personal credit institutions
This Amendment to that certain Secured Senior Lending Agreement dated as of June 12, 2009, as amended, a copy of which is attached hereto (hereinafter referred to as the “Senior Lending Agreement”) is made as of December 10, 2010, by and between all banks or other financial institutions which are, as of the date hereof, parties to such Senior Lending Agreement (“Banks”); Pioneer Financial Services, Inc. (hereinafter referred to as “Pioneer”), certain of its Subsidiaries and First Federal Savings Bank of Creston, F.S.B. an Iowa corporation with offices located at 501 W. Taylor, P.O. Box 409, Creston, IA 50801 (hereinafter referred to as “New Bank”).
