0000950134-07-007086 Sample Contracts

FIRST AMENDMENT TO FIRST AMENDED AND RESTATED LOAN AGREEMENT
Loan Agreement • March 30th, 2007 • Citizens Inc • Life insurance • Texas

THIS FIRST AMENDMENT TO FIRST AMENDED AND RESTATED LOAN AGREEMENT (this “First Amendment”), dated as of November 30, 2006, is between CITIZENS, INC., a Colorado corporation (“Borrower”), the banks listed on the signature pages hereto (“Banks”) and REGIONS BANK, an Alabama banking association, as administrative agent for Banks (“Administrative Agent”).

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