AMERICAS CARMART INC Contracts & Agreements

Americas Car-Mart, Inc. Short-Term Incentive Plan, effective April 1, 2023 (Filed With SEC on July 14, 2023)

Indenture, dated July 6, 2023, by and between ACM Auto Trust 2023-2 and Wilmington Trust, National Association, as Indenture Trustee (Filed With SEC on July 11, 2023)

Purchase Agreement, dated July 6, 2023, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC (Filed With SEC on July 11, 2023)

Sale and Servicing Agreement, dated July 6, 2023, by and between ACM Auto Trust 2023-2, ACM Funding, LLC, Americas Car Mart, Inc. and Wilmington Trust, National Association, as... (Filed With SEC on July 11, 2023)

Amendment No. 5 to Third Amended and Restated Loan and Security Agreement and Limited Waiver dated February 22, 2023, among Americas Car-Mart, Inc., a Texas corporation, as... (Filed With SEC on March 1, 2023)

Indenture, dated January 31, 2023, by and between ACM Auto Trust 2023-1 and Wilmington Trust, National Association, as Indenture Trustee (Filed With SEC on February 6, 2023)

Purchase Agreement, dated January 31, 2023, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC (Filed With SEC on February 6, 2023)

Sale and Servicing Agreement, dated January 31, 2023, by and between ACM Auto Trust 2023-1, ACM Funding, LLC, Americas Car Mart, Inc. and Wilmington Trust, National Association,... (Filed With SEC on February 6, 2023)

Employment Agreement, dated as of September 6, 2022, between Americas Car Mart, Inc., an Arkansas corporation, and Douglas Campbell (Filed With SEC on September 26, 2022)

Sale and Servicing Agreement, dated April 27, 2022, by and between ACM Auto Trust 2022-1, ACM Funding, LLC, Americas Car Mart, Inc. and Wilmington Trust, National Association, as... (Filed With SEC on May 4, 2022)

Indenture, dated April 27, 2022, by and between ACM Auto Trust 2022-1 and Wilmington Trust, National Association, as Indenture Trustee (Filed With SEC on May 3, 2022)

Purchase Agreement, dated April 27, 2022, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC (Filed With SEC on May 3, 2022)

Sale and Servicing Agreement, dated April 27, 2022, by and between ACM Auto Trust 2022-1, ACM Funding, LLC, Americas Car Mart, Inc. and Wilmington Trust, National Association, as... (Filed With SEC on May 3, 2022)

Amendment No. 3 to Third Amended and Restated Loan and Security Agreement dated September 29, 2021, among Americas Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto... (Filed With SEC on September 30, 2021)

Description of Securities (Filed With SEC on July 2, 2021)

Change in Control Agreement, dated as of June 1, 2021, between Americas Car Mart, Inc., an Arkansas corporation, and Vickie D. Judy (Filed With SEC on June 7, 2021)

Change in Control Agreement, dated as of June 1, 2021, between Americas Car Mart, Inc., an Arkansas corporation, and Leonard L. Walthall (Filed With SEC on June 7, 2021)

Amendment No. 2 to Third Amended and Restated Loan and Security Agreement dated February 10, 2021, among Americas Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto... (Filed With SEC on February 16, 2021)

Amendment No. 1 to Third Amended and Restated Loan and Security Agreement dated October 27, 2020, among Americas Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto... (Filed With SEC on November 4, 2020)

Amendment to Amended and Restated Stock Option Plan (Filed With SEC on August 31, 2020)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and William H. Henderson (Filed With SEC on July 15, 2020)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams (Filed With SEC on July 15, 2020)

Description of Securities (Filed With SEC on June 24, 2020)

Employment Agreement, dated as of February 27, 2020, between Americas Car-Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams (Filed With SEC on March 4, 2020)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and William H. Henderson. (This agreement has been redacted pursuant to a... (Filed With SEC on July 17, 2019)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams. (This agreement has been redacted pursuant to a... (Filed With SEC on July 17, 2019)

Description of Securities (Filed With SEC on June 21, 2019)

Amendment No. 2 to Second Amended and Restated Loan and Security Agreement dated December 3, 2018, among Americas Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto... (Filed With SEC on December 7, 2018)

Colonial Revolver Note dated December 3, 2018 by Colonial Auto Finance, Inc. in favor of First Tennessee Bank, as Lender (Filed With SEC on December 7, 2018)

Colonial Revolver Note dated December 3, 2018 by Colonial Auto Finance, Inc. in favor of Arvest Bank, as Lender (Filed With SEC on December 7, 2018)

Colonial Revolver Note dated December 3, 2018 by Colonial Auto Finance, Inc. in favor of Commerce Bank, as Lender (Filed With SEC on December 7, 2018)

Amendment to Amended and Restated Stock Incentive Plan (Filed With SEC on September 4, 2018)

Amendment to Amended and Restated Stock Option Plan (Filed With SEC on September 4, 2018)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and William H. Henderson. (This agreement has been redacted pursuant to a... (Filed With SEC on July 18, 2018)

Employment Agreement, dated as of May 1, 2015, between Americas Car Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams. (This agreement has been redacted pursuant to a... (Filed With SEC on July 18, 2018)

Retirement and Transition Agreement, dated as of January 1, 2018, between Americas Car Mart, Inc. and William H. Henderson (Filed With SEC on January 11, 2018)

Amendment No. 1 to Second Amended and Restated Loan and Security Agreement dated October 25, 2017, among Americas Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto... (Filed With SEC on October 30, 2017)

EMPLOYMENTAGREEMENT (Filed With SEC on June 14, 2017)

EMPLOYMENT AGREEMENT (Filed With SEC on June 14, 2017)

SECOND AMENDED AND RESTATED LOAN AND SECURITYAGREEMENT Dated as of December 12, 2016 ______________________________________________________________________________ AMERICA’S... (Filed With SEC on December 15, 2016)

COLONIAL REVOLVER NOTE (Filed With SEC on December 15, 2016)

ACM-TCM REVOLVER NOTE (Filed With SEC on December 15, 2016)

EMPLOYMENT AGREEMENT (Filed With SEC on July 22, 2016)

AMERICA’S CAR-MART, INC. AMENDED AND RESTATED STOCK OPTION PLAN (Employee Option Agreement) (Filed With SEC on August 10, 2015)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICA’S CAR-MART, INC.AND WILLIAM H. HENDERSON (Filed With SEC on June 23, 2015)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICA’S CAR-MART, INC.AND EDDIE L. HIGHT (Filed With SEC on June 23, 2015)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICA’S CAR-MART, INC.AND JEFFREY A. WILLIAMS (Filed With SEC on June 23, 2015)

EMPLOYMENT AGREEMENT (Filed With SEC on June 23, 2015)

AMENDMENT NO.5 TO AMENDED AND RESTATED LOAN AND SECURITYAGREEMENT (Filed With SEC on October 10, 2014)

AMERICA’S CAR-MART, INC. NONQUALIFIED DEFERRED COMPENSATIONPLAN (Filed With SEC on October 10, 2014)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND WILLIAM H. HENDERSON (Filed With SEC on June 11, 2014)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND EDDIE L. HIGHT (Filed With SEC on June 11, 2014)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND JEFFREY A. WILLIAMS (Filed With SEC on June 11, 2014)

AMENDMENT NO. 4 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on February 19, 2014)

Amendment to 2007 Stock Option Plan AMENDMENT TO AMERICAS CAR-MART, INC. 2007 STOCK OPTION PLAN Adopted October 7, 2013 (Filed With SEC on December 4, 2013)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND WILLIAM H. HENDERSON (Filed With SEC on July 2, 2013)

Exhibit 10.2 AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND EDDIE L. HIGHT (Filed With SEC on July 2, 2013)

Exhibit 10.3 AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND JEFFREY A. WILLIAMS (Filed With SEC on July 2, 2013)

AMENDMENT NO. 3 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on June 28, 2013)

AMENDMENT NO. 2 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on March 1, 2013)

AMENDMENT NO. 1 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on September 21, 2012)

COLONIAL THIRD AMENDED AND RESTATED REVOLVER NOTE September 20, 2012$51,000,000Bentonville, Arkansas (Filed With SEC on September 21, 2012)

COLONIAL THIRD AMENDED AND RESTATED REVOLVER NOTE (Filed With SEC on September 21, 2012)

COLONIAL AMENDED AND RESTATED REVOLVER NOTE (Filed With SEC on September 21, 2012)

COLONIAL THIRD AMENDED AND RESTATED REVOLVER NOTE (Filed With SEC on September 21, 2012)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND WILLIAM H. HENDERSON (Filed With SEC on July 27, 2012)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND EDDIE L. HIGHT (Filed With SEC on July 27, 2012)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND JEFFREY A. WILLIAMS (Filed With SEC on July 27, 2012)

AMENDMENT NO. 3 TO LOAN AND SECURITY AGREEMENT (Filed With SEC on October 24, 2011)

COLONIAL AMENDED AND RESTATED REVOLVER NOTE October 19, 2011$31,666,666.67 Bentonville, Arkansas (Filed With SEC on October 24, 2011)

COLONIAL AMENDED AND RESTATED REVOLVER NOTE (Filed With SEC on October 24, 2011)

AMENDMENTNO. 1 TO EMPLOYMENTAGREEMENT BETWEENAMERICAS CAR-MART, INC. AND WILLIAM H. HENDERSON (Filed With SEC on November 17, 2009)

AMENDMENTNO. 1 TO EMPLOYMENTAGREEMENT BETWEENAMERICAS CAR-MART, INC. AND EDDIE L. HIGHT (Filed With SEC on November 17, 2009)

AMENDMENT NO. 1 TO EMPLOYMENTAGREEMENT BETWEENAMERICAS CAR-MART, INC. AND JEFFREY A. WILLIAMS (Filed With SEC on November 17, 2009)

Eighth Amendment to Amended and Restated Agented Revolving Credit Agreement, dated February 28, 2009, among Colonial Auto Finance, Inc., as borrower, Bank of Arkansas, N.A., First... (Filed With SEC on March 9, 2009)

Exhibit4.1 SIXTHAMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVINGCREDIT AGREEMENT (Filed With SEC on May 21, 2008)

Exhibit4.2 FIFTHAMENDMENT TO REVOLVING CREDIT AGREEMENT (Filed With SEC on May 21, 2008)

ISDA InternationalSwap Dealers Association, Inc. MASTERAGREEMENT dated asof 15 May 2008 AMERICAS CAR-MART, INC., ANARKANSAS CORPORATION AND TEXAS CAR- MART, INC., A... (Filed With SEC on May 21, 2008)

EMPLOYMENT AGREEMENT (Filed With SEC on December 7, 2007)

AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT BETWEEN AMERICAS CAR-MART, INC. AND T.J. FALGOUT, III Effective as of August 27, 2007 (Filed With SEC on December 7, 2007)

2007 STOCK OPTION PLAN OF AMERICAS CAR-MART, INC. (Employee Option Agreement) (Filed With SEC on December 7, 2007)

Exhibit 4.1 FIFTH AMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVING CREDIT AGREEMENT (Filed With SEC on March 12, 2007)

Exhibit 4.2FOURTH AMENDMENT TO REVOLVING CREDIT AGREEMENT (Filed With SEC on March 12, 2007)

Exhibit 4.3GUARANTY AGREEMENT (Filed With SEC on March 12, 2007)

AMENDMENT TO AMERICAS CAR-MART, INC. 2005 RESTRICTED STOCK PLAN (Filed With SEC on December 11, 2006)

EMPLOYMENT AGREEMENT (Filed With SEC on July 14, 2006)

Employment Arrangements with Jeffrey A. Williams (Filed With SEC on July 14, 2006)

EMPLOYMENT AGREEMENT (Filed With SEC on July 14, 2006)

FOURTH AMENDMENT TO AMENDED AND RESTATED AGENTED REVOLVING CREDIT AGREEMENT (Filed With SEC on May 3, 2006)

PROMISSORY NOTE (Filed With SEC on May 3, 2006)

THIRD AMENDMENT TO REVOLVING CREDIT AGREEMENT (Filed With SEC on May 3, 2006)

PROMISSORY NOTE (Filed With SEC on May 3, 2006)

EXHIBIT 4.1 (Filed With SEC on October 6, 2005)

EXHIBIT 4.2 (Filed With SEC on October 6, 2005)

Employment Arrangements with Tilman J. Falgout, III (Filed With SEC on July 14, 2005)

Employment Arrangements with Mark D. Slusser (Filed With SEC on July 14, 2005)

Employment Arrangements with William H.Henderson (Filed With SEC on July 14, 2005)

Employment Arrangements with Eddie Lee Hight (Filed With SEC on July 14, 2005)

EX-10.1 AMENDED AND RESTATED AGENTED REVOLVING CREDIT AGREEMENT, DATED JUNE 23, 2005 (Filed With SEC on June 29, 2005)

EX-10.2 REVOLVING CREDIT AGREEMENT, DATED JUNE 23, 2005 (Filed With SEC on June 29, 2005)

THIRD AMENDMENT TO AGENTED REVOLVING CREDITAGREEMENT (Filed With SEC on December 10, 2003)

EMPLOYMENT AGREEMENT (Filed With SEC on September 12, 2003)