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EXHIBIT 10.16
 
H.E.B. Credit Line Agreement Dated June 23, 2010

Effective June 23, 2010, HEB LLC agrees to enter into a line of credit with
Secured Financial Network, Inc. (SFNL).

The initial credit limit shall be the sum of $400,000.

Interest on any outstanding principal balance as well as any future advances
shall accrue at the rate of 14% per annum.

Interest shall be paid quarterly with the first payment being due and payable on
October 1, 2010.

The payoff date for any outstanding balance and accrued interest shall be
December 31, 2012.

Agreed to this 23rd day of June 2010 by and between:
 

    Scott A. Haire, CEO       HEB, LLC   By: Printed Name           Jeffrey L.
Schultz, CEO       Secured Financial Network, Inc.       By: Printed Name