Document:

PURCHASE AND SALE AGREEMENT

This Agreement is entered into this 7th day of April, 2003, between Freedom
Financial Group Inc. (FKA Stevens Financial Group/Sinclair Financial Group) a
Delaware corporation (together with its affiliate "Seller") and The Cadle
Company, an Ohio corporation, and/or its Assigns, ("Buyer").

WHEREAS, Seller wishes to sell and Buyer wishes to buy all of Seller's right,
title and interest in and to certain Contracts (as defined below) secured by
first liens on manufactured homes

IN CONSIDERATION OF THE PREMISES AND OF THE MUTUAL COVENANTS AND AGREEMENTS
HEREINAFTER CONTAINED, THE PARTIES HERETO AGREE AS FOLLOWS:

                                    ARTICLE I
                                   DEFINITION

Whenever used in this Agreement, the following words and phrases, unless the
context otherwise requires, will have the following meanings:

Agreement: This Agreement together with all exhibits and schedules hereto and
all subsequent written amendments and supplements hereto and thereto.

Business Day: Any day other than a Saturday or Sunday, or a day on which banking
institutions in California are authorized or obligated by law or executive order
to be closed.

Closing: The consummation of the transactions contemplated to take place under
this Agreement on the Closing Date.

Closing Date: April 7th 2003, or such later date as may be agreed to by the
parties to this Agreement.

Contract: A retail installment sales contract or note evidencing both an
Obligor's obligation to pay the indebtedness provided for in the retail
installment sales contract or note and the security interest in a manufactured
home and any Improvements thereto.

Contract File: The credit application and investigation, all documents of
insurance, and all other documentation in possession of Seller relating to a
Contract.

Contract Rate: The per annum rate of interest to be paid by an Obligor as
provided in a Contract.

Cut-off Date: April 7th 2003, after which date Seller will no longer process
payments received from or on behalf of Obligors.

Escrow: Any funds held in trust by Seller for payment of insurance premiums or
taxes and any funds received by Seller from an Obligor or for payment of any

<PAGE>

purpose on a Contract, that have not been applied to reduce the principal or
interest owed by the Obligor and not otherwise applied to the Contract.

Obligor: The person or persons other than Seller who executed a Contract.

Schedule of Contracts: The schedule listing the Contracts to be purchased by
Buyer on the Closing Date in the form attached hereto as Exhibit A.

Security Instrument: A manufacturer's certificate or statement of origin,
certificate of title, UCC financing statement, mortgage, deed of trust and/or
security deed duly filed and/or recorded, as required, in state and/or
town/city/county offices, as appropriate, evidencing Seller's perfected first
priority security interest in a manufactured home.

Unpaid Principal Balance: With respect to a Contract, the Obligor's original
principal balance minus (i) the cumulative principal portion of each installment
received from the Obligor and applied to reduce such balance, the application of
such installment being determined by applying interest at the Contract Rate
through and including the date of such payment and the remainder being applied
to reduce the principal balance, and minus (ii) any principal prepayments
received from the Obligor and applied to reduce such balance. The principal and
interest portion of each installment is determined in the manner specified in
each Contract.

                                    ARTICLE 2
                                      PRICE

The purchase price of each Contract will be calculated as of the Closing Date
and will be equal to thirty one percent (31 %) of the Unpaid Principal Balance.

                                    ARTICLE 3
                         OWNERSHIP AND SECURITY INTEREST

Seller will reasonably cooperate with Buyer to take the action Buyer deems
reasonably necessary to transfer to Buyer all of Seller's right, title and
interest in and to the Contracts free and clear of all claims, liens and
encumbrances, including, but not limited to, notifying the Obligors and others
of Buyer's ownership of the Contracts and first priority security interest in
the manufactured homes, the delivery of all originals of the Contracts and
Contract files to Buyer, the execution of assignments, financing statements, and
certificates of title.

                                    ARTICLE 4
               REPRESENTATIONS, WARRANTIES AND COVENANTS OF SELLER

For each Contract purchased by Buyer, Seller hereby represents, warrants and
covenants as follows:

      1.    To Seller's knowledge, all information set forth in any Contract
            File, and all other information furnished to Buyer by Seller with
            respect to the Contracts is true and correct in all respects.

<PAGE>

      2.    To Seller's knowledge each Security Instrument constitutes, or in
            the case of an application for a Security Instrument will
            constitute, upon proper assignment, filing or recording, a perfected
            first priority security interest in a manufactured home in favor of
            Buyer.

      3.    To Seller's knowledge there are no mechanic's liens or claims for
            work, labor or material affecting a manufactured home, or any
            addition accessories and furnishings described in the Contract, or
            any improvements thereto

      4.    Other than disclosed in the loan files, Seller has not been made
            aware of any delinquent tax, rent, assessment, lien or other charge
            outstanding against a manufactured home.

      5.    To the Sellers knowledge there is no valid offset, defense or
            counterclaim to any Contact or Security Instrument, including the
            obligation of the Obligor to pay the unpaid principal, interest, or
            other charges on such Contract.

      6.    The manufactured homes, including any additional accessories and
            furnishings in the manufactured homes described in the Contracts,
            are in an "as is where is" condition without further representations
            by the Seller.

      7.    The Contract and Security Agreement represent a valid, binding and
            enforceable obligation on behalf of the Obligor under the related
            Contract, enforceable in accordance with their terms, subject only
            to applicable laws relating to insolvency, bankruptcy, and equitable
            remedies.

      8.    There is no holder in due course claim or any claim against any
            third party available to the Obligor which would interfere with the
            Buyer's right to enforce the Contract or Security Instrument, to
            sell at a sale in the nature of foreclosure or the right to
            repossession.

      9.    The manufactured home is insured under standard homeowner's hazard
            and casualty insurance policies, with extended coverage, naming
            Seller and its assignees (including Buyer) as loss payee, for an
            amount equal to the Unpaid Principal Balance of the Contract or the
            full cash value of the manufactured home.

      10.   Seller, it is believed, was at the time it originated the Contracts
            a legal entity (Sub S Corporation) duly organized, validly existing,
            appropriately licensed and in good standing under the laws of the
            State where the manufactured home is located and at the time it
            acquired the Contracts.

      11.   Seller has the corporate or other requisite legal power to sell,
            transfer and assign the Contracts and corresponding Security
            Instruments, and such sale, transfer and assignment have been duly
            authorized by any necessary corporate or other legal action of
            Seller and constitute the legal, valid and binding obligation of
            Seller, enforceable in accordance with the terms thereof. Seller has
            obtained any and all necessary consents of third parties required of
            them in order to accomplish such sale, transfer and assignment, and
            such sale, transfer, and assignment will not result in Seller's

<PAGE>

            being in default under any of the provisions of its articles of
            incorporation, by-laws, limited partnership agreement, articles of
            organization, operating agreement or of any material credit or other
            agreements to which it is a party.

      12.   There is only one original of each Contract document and such
            original is being delivered to Buyer on the Closing Date. In the
            event the Seller does not have the original Contract document,
            Seller will provide a copy and a Lost Contract Affidavit to Buyer.
            Seller has good and marketable title to, and is the sole owner of,
            the Contracts without any claim thereto or the requirement of
            consent from any person or entity not a party hereto.

      13.   The manufactured home has not been released from the lien created by
            the Security Instrument nor have any of the terms of the Security
            Instrument been modified.

      14.   There are no actions, suits or proceedings existing, pending or
            threatened against or affecting Seller before any court, arbitrator
            or governmental or administrative body or agency which affect the
            validity or enforceability of the Contract or which might result in
            any adverse change in the value of the Contract.

      15.   All actions taken by Seller, all Contract documents, and all forms,
            letters, notices, statements and other materials used by Seller in
            connection with the Contracts, comply with Title I of the Federal
            Consumer Credit Protection Act, being the Truth in Lending
            Simplification and Reform Act, as amended, and Revised Regulation Z,
            as amended, and any applicable state law governing such Contract
            documents.

      16.   Neither Seller nor any other entity retains or holds any rights or
            interests in the Contract or any proceeds from a Contract, including
            any rights or options to service such Contact.

      17.   Seller has transmitted, or will within the time prescribed by
            applicable law, rule or regulation transmit, to the appropriate
            federal or state taxing authority and to each Obligor any required
            form or other notice setting forth the amount of interest paid by
            the Obligor to Seller during the calendar year 2003.

      18.   The amounts shown on the Schedule of Contracts (Exhibit A) delivered
            to Buyer at Closing are correct in all material respects.

      19.   Seller assigns to Buyer with each Contract all of Seller's rights
            and interest in and to any late charges, insurance receivable,
            partial payments receivable and tax receivable. No adjustment in the
            Purchase Price or Unpaid Principal Balance has been made for any of
            these receivable balances.

      20.   After Closing, Seller will forward to Buyer in an expedient manner
            and at the expense of Seller, all moneys and correspondence received
            from Obligors or in regards to a Contract or the manufactured home.

<PAGE>

      21.   After Closing, for a 90 day period, Seller will assist Buyer in
            reconciling payment or other disputes with Obligors.

      22.   Seller will assign its interest in any agreements between Seller and
            any retailer who assigned Contracts to Seller, as such agreements
            relate to the Contracts sold by Seller to Buyer.

      23.   Seller will hold Buyer harmless from and against any claims made
            against Buyer for actions of Seller prior to the Closing Date.

      24.   Seller is responsible for any expenses incurred before the Cut-off
            date including but not limited to legal fees, etc. Buyer is
            responsible for any expenses it incurs after the Cut-off date.

                                    ARTICLE 5
                               BREACH OF WARRANTY

Upon discovery by either Seller or Buyer, up to 90 days after Closing, of any
breach of any of the aforesaid covenants, representations and warranties as they
pertain to specific contract, the party discovering such breach must give prompt
written notice to the other. Within 30 days of either its discovery of breach or
its receipt of notice of breach, Seller must cure such breach or upon demand of
Buyer, repurchase from Buyer the specific Contract, with respect to which such
breach exists. In the event of such a repurchase, Buyer must deliver to Seller
the related Contract Security Agreement, Contract File and assign to Seller all
of Buyer's right, title and interest in and to the related Contract free and
clear of any and all claims, liens and encumbrances, except for those which
existed at the time of Buyer's purchase of such Contract. Any such repurchase by
Seller must be for a repurchase price equal to thirty one percent (31%) of the
Unpaid Principal Balance of such Contract, plus accrued interest as of its date
of repurchase.

                                    ARTICLE 6
               REPRESENTATIONS, WARRANTIES AND COVENANTS OF BUYER

Buyer hereby represents, warrants and covenants to Seller as follows:

      1.    Buyer is a corporation duly organized, validly existing and in good
            standing under the laws of the State of Ohio and has full corporate
            power and authority to own its properties and carry on its business
            as it is now being conducted, and is duly qualified to transact
            business as it is now being conducted as a foreign corporation in
            all jurisdictions where such qualification is required, unless such
            failure to qualify would not have a materially adverse effect on
            Buyer's ability to carry out its obligations hereunder.

      2.    Buyer has the corporate power to purchase the Contract and
            corresponding Security Instrument and such purchase has been duly
            authorized by any necessary corporate action of Buyer and
            constitutes the legal, valid and binding obligation of Buyer,
            enforceable in accordance with its terms. Buyer has obtained any and

<PAGE>

            all necessary consents of third parties required of it in order to
            accomplish such purchase, and such purchase will not result in
            Buyer's being in default under any of the provisions of its
            certificate of incorporation, by-laws or of any material credit or
            other agreements to which it is a party.

      3.    Buyer has received all necessary federal, state and local licenses,
            permits, authorizations and approvals required to conduct its
            business as it is presently being conducted and to perform its
            functions under this Agreement, except with respect to such
            licenses, permits, authorizations and approvals which the failure to
            obtain would not have an adverse effect on Buyer's ability to
            perform its obligations hereunder.

      4.    From and after Closing Date, Buyer will comply with all Contract
            obligations required of Seller pursuant to such Contracts, including
            any and all notice requirements.

      5.    Buyer will hold Seller harmless from and against any claims made for
            actions of Buyer subsequent to the Closing Date.

                                    ARTICLE 7
                                 INDEMNIFICATION

Seller agrees to protect, indemnify, and hold Buyer harmless against any and in
respect of, any and all Damages arising out of, connected with or resulting from
(i) any willful material breach of the agreements, representations, covenants or
warranties made by Seller herein not known or discoverable by Buyer during its
due diligence of Seller's records; (ii) any and all known non-contractual or
illegal actions by Seller or known contractually or legally required inactions
not taken by Seller with respect to the Contracts on or prior to the Closing
Date or (iii) any acts or failures to act by Seller under the terms hereof.

Buyer agrees to protect, indemnify, and hold Seller harmless against and in
respect of, any and all Damages arising out of, connected with or resulting from
(i) any breach of the agreements, representations, covenants or warranties made
by Buyer herein or (ii) any acts or failures to act by Buyer under the terms
hereof or (iii) any action taken or failure to act by Buyer after the Closing
Date with respect to the Contracts.

                                    ARTICLE 8
                        PERFORMANCE AND POWER OF ATTORNEY

In order to enforce Buyer's rights hereunder, Seller must, upon the request of
Buyer or its assigns, do and perform or cause to be done and performed, every
reasonable act and thing necessary or advisable to put Buyer in position to
enforce the payment of the Contracts and to carry out the intent of this
Agreement, including the execution of documents such as applications for
certificates of title and UCC financing statements assigning Seller's security
interests in the manufactured homes, and the execution of, and, if necessary,
the recordation of, additional documents including separate endorsements and
assignments upon request of Buyer. For purpose of the foregoing, Seller hereby

<PAGE>

grants to Buyer a limited power of attorney (attached as Exhibit B) which will
not be terminable by Seller without the prior written consent of Buyer, and
hereby authorizes any individual or any person nominated by Buyer to exercise
all rights and remedies that Seller would have with respect to the Contracts but
for the sale and assignment to Buyer.

                                    ARTICLE 9
                      BROKERAGE AND OTHER THIRD PARTY FEES

Seller hereby assumes responsibility for a brokerage or finder's fees (limited
to one point) due to Jaymes Financial as a result of the transaction between
Buyer and Seller.

                                   ARTICLE 10
                                   THE CLOSING

At least two Business Days before the Closing Date, Seller must provide the
Schedule of Contracts to Buyer. The Schedule of Contracts must list each
Contract to be purchased on the Closing Date and must set forth as to each such
Contract:

      (1)   Account number of the Contract,

      (2)   Name of the Obligor,

      (3)   Then Unpaid Principal Balance,

      (4)   Next scheduled payment due date,

      (5)   Monthly payment amount,

      (6)   Date last payment received,

      (7)   Interest rate,

At the Closing, Seller must deliver to Buyer the following:

      1.    The Contract File.

      2.    The original Contract, with an assignment in the form attached
            hereto as Exhibit C of all of Seller's right, title and interest
            therein.

      3.    The original Security Instrument or a copy of an application
            thereof, and an assignment in form acceptable to Buyer of all of
            Seller's right, title, and interest therein. In the event Seller
            does not have an original Security Instrument, Seller shall provide
            the original Security Instrument to Buyer no later than 90 days from
            and after the closing date. In the event seller does not provide the
            original Security Instrument within 90 days after the closing date,
            seller will repurchase the Affected Contract as per the terms of
            Article 5 subject to the Buyer's approval.

      4.    Any and all Escrow funds held by Seller.

      5.    Evidence of physical damage insurance coverage of each manufactured
            home.

<PAGE>

      6.    Obligor payment and collection records, including collection ledger
            comments.

      7.    A bill of sale in the form attached hereto as Exhibit D.

Subject to Seller complying with all of the terms and provisions of this
Agreement by 12:00 noon. Eastern Standard Time on the Closing Date, Buyer will
pay the Purchase Price to Seller on the Closing Date, by wire transfer in
immediately available funds, to a bank account specified by Seller to Buyer in
writing at least two Business Days prior to the Closing Date.

                                   ARTICLE 11
                                     NOTICES

Any notice, demand or communication which either party desires or is required to
give to the other party in connection with this Agreement must be in writing and
must be either delivered in person or sent by fax or by an express mail service,
addressed to the parties, as follows, or to such other fax number and/or address
as either party hereafter specifies in accordance with this Article:

IF TO BUYER:      The Cadle Company
                  100 North Center Street
                  Newton Falls, Ohio 44444
                  Attention: Dan Cadle
                  Fax: 330-872-5367

IF TO SELLER:     FREEDOM FINANCIAL GROUP.
                  3042 East Elm Street
                  Springfield, MO 65802
                  Attention: Jerry Fenstermaker, CEO
                  Fax: 417-520-0790

                                   ARTICLE 12
                                     GENERAL

This Agreement together with all Exhibits and Schedules hereto constitutes the
entire agreement between the parties hereto and supersedes any and all
representations, promises and statements, oral or written, made in connection
with the subject matter of this Agreement and the negotiation hereof, and no
such representation, promise or statement not written herein will be binding on
the parties. This Agreement may not be varied or altered or its provisions
waived except by an agreement in writing executed by duly authorized agents of
both parties hereto. This Agreement will be binding upon and inure to the
benefit of the parties hereto and each of their respective successors and
assigns.

This Agreement must be interpreted, construed and enforced in accordance with
the laws of the State of Missouri.

<PAGE>

Any provision of this Agreement that is prohibited or unenforceable in any
jurisdiction will, as to such jurisdiction, be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining provisions
hereof, and any such prohibition or unenforceability in any jurisdiction will
not invalidate or render unenforceable such provisions in any other
jurisdiction.

Captions are for convenience of reference only and are not to be considered as
defining or limiting in any way the scope or intent of the provisions in any
other jurisdiction.

The waiver of any breach, term, provision or condition of this Agreement may not
be construed to be a subsequent waiver of any other breach, term, provision or
condition. All remedies afforded by this Agreement for a breach hereof will be
cumulative, that is, in addition to all other remedies provided for herein or at
law or in equity.

All agreements, representations, warranties and covenants made herein will
survive the execution and delivery of this Agreement, the Closing and the
purchase of the Contracts hereunder.

Headings of the Articles and Sections of this Agreement are intended for
reference only and may not be deemed to affect or be utilized in the
interpretation of any of the provisions hereof. All Schedules and Exhibits
hereto are incorporated herein by the references thereto in this Agreement.

This Agreement may be executed in one or more counterparts or duplicate
originals, each of which must be deemed an original, but all of which together
will constitute but one and the same instrument. The designations of the parties
to this Agreement and any pronouns referring to any party, wherever used, must
be so construed as to include the plural as well as the singular number, and,
whenever the context permits, any gender includes all other genders and the
singular number includes the plural. As used in this agreement, the words
"includes" and "including" are not limiting, and the words "hereof' and
"hereunder" and words of similar import when used in this Agreement refer to
this Agreement as a whole and not to any particular provision of this Agreement.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the date
first above written.

Seller:                                        Buyer:

Freedom Financial Group, Inc.                  The Cadle Company

By:  /s/ Jerry Fenstermaker                    By:  /s/ Daniel C. Cadle
   -----------------------------------------      -------------------------
Title:   CEO                                   Title:   President
      --------------------------------------         ----------------------

<PAGE>

                                    Exhibit A
                                  LOAN SCHEDULE

<TABLE>
<CAPTION>
    Lien       FICO      HDI      TDI      Coupon       Term       Appraisal        P&I      Purchase Price     DownPmt

<S>            <C>       <C>      <C>     <C>           <C>        <C>            <C>        <C>              <C>
  Primary                                 11.5000        180                      $574.92      $51,805.18      $2,590.25
  Primary                                 11.9500        300                      $448.61      $45,044.78      $2,300.00
  Primary                                 11.9500        300                      $389.49      $39,064.06      $1,953.21
  Primary                                 11.5000        180                      $408.06      $36,930.75      $2,000.00
  Primary                                 11.9500        300                      $687.67      $69,049.38      $3,500.00
  Primary                                 11.5000        180                      $343.70      $30,922.00      $1,500.00
  Primary                                 11.5000        180                      $648.67      $58,527.63      $3,000.00

  Primary                                 11.9500        300                      $472.93      $47,433.50      $2,372.00
  Primary                                 11.5000        180                      $755.55      $68,081.75      $3,405.00
  Primary                                 11.5000        180                      $539.31      $50,666.00      $4,500.00
  Primary                                 11.9500        300                      $430.07      $43,477.00      $2,500.00
  Primary                                 11.5000        180                      $400.62      $36,044.00      $1,750.00
  Primary                                 11.5000        180                      $525.69      $51,500.00      $6,500.00
  Primary                                 11.9500        300                      $401.80      $40,784.00      $2,500.00

                                                       TOTALS                    $7,027.38    $669,330.03     $40,370.46
</TABLE>

<TABLE>
<CAPTION>
   AmtFin         LTV       OrigDate     FirstPmt     Maturity         UPB           Last         Next
                                                                      3/6/03         Paid         Due
 <S>             <C>        <C>           <C>         <C>           <C>           <C>           <C>
 $49,214.93                 04/06/99     05/06/99     04/06/14      $47,459.88     02/14/03     05/06/02
 $42,744.78                 10/15/98     11/15/98     10/15/23      $41,667.41     03/01/03     02/15/03
 $37,110.85                 10/01/98     11/01/98     10/01/23      $36,067.69     02/27/03     12/02/02
 $34,930.75                 09/22/99     10/22/99     09/22/14      $33,646.37     02/14/03     05/03/02
 $65,549.38                 06/08/99     07/23/98     06/23/23      $64,652.88     03/01/03     06/23/02
 $29,422.00                 10/11/00     11/11/00     10/11/15      $28,093.09     02/11/03     03/11/03
 $55,527.63                 04/16/99     05/16/99     04/16/14      $51,862.74     10/29/02     10/16/02

 $45,061.50                 11/05/98     12/05/98     11/05/23      $43,925.09     03/04/03     04/05/03
 $64,676.75                 03/16/99     04/16/99     03/16/14      $61,103.21      2/23/03     03/16/02
 $46,166.00                 10/16/00     11/16/00     10/16/15      $42,891.50     03/04/03     04/16/03
 $40,977.00                 06/24/98     07/24/98     06/24/23      $39,930.96     02/05/03     01/24/03
 $34,294.00                 03/22/00     04/22/00     03/22/15      $32,306.14     02/18/03     02/22/03
 $45,000.00                 09/27/00     10/27/00     09/27/15      $44,386.45     10/01/02     06/11/02
 $38,284.00                 07/01/98     08/01/98     07/01/23      $42,267.21     11/18/02     08/02/01

$628,959.57                                                        $610,460.62
</TABLE>

<PAGE>

                      EXHIBIT B-- LIMITED POWER OF ATTORNEY

         Reference is made to that certain Purchase and Sale Agreement (the
"Agreement") dated and effective as of April 7, 2003, by and between Freedom
Financial Group Inc. (FKA Stevens Financial Group/Sinclair Financial Group) a
Delaware corporation (together with its affiliates), which is located at 3042
East Elm Street, Springfield, Missouri 65802, "Seller" and The Cadle Company, an
Ohio corporation, and/or its Assigns, which is located at 100 North Center
Street, Newton Falls, Ohio 44444, "Buyer".

         In accordance with the Agreement, Seller hereby makes, constitutes,
appoints and confers upon Buyer, its successors and assigns, Seller's
irrevocable, limited power of attorney (coupled with an interest) to endorse and
collect any checks or other forms of payment received from Obligors, under the
related Evidence of Indebtedness sold by Seller to Buyer under the Agreement, to
execute lost note affidavits on behalf of Seller with respect to any and all
notes which Seller has been unable to deliver to Buyer pursuant to the
Agreement, and to endorse and sign any documents necessary to assign, transfer,
extend, release or otherwise carry out the interest of the Agreement with
respect to notes, retail installment sales contracts, mortgages, security
instruments, or other instruments related to an Evidence of Indebtedness.

         The capitalized terms shall have the same meaning as in the Agreement

         IN WITNESS WHEREOF, Seller has caused its name to be subscribed hereto
by its duly authorized officer this 7th day of April, 2003.

ATTEST:                                  FREEDOM FINANCIAL GROUP INC.

                                         By:      /s/ Jerry Fenstermaker
------------------------------------        ---------------------------------
                                         Title:   CEO
                                               ------------------------------

STATE OF MISSOURI
COUNTY OF GREENE

         I, Mary Jane Yoder, a Notary Public, do hereby certify that on April 8,
2003 personally appeared before me Jerry Fenstermake who being by me first duly
sworn, declared that he/she is the CEO of Freedom Financial Group Inc., that
he/she signed the foregoing document as CEO of the corporation, and that the
statements therein contained are true.

(Notarial Seal or Stamp)                 /s/ Mary Jane Yoder
                                         ------------------------------------
                                             Notary Public
                                             My Commission Expires:  05/06/06

<PAGE>

                                    Exhibit C

                             Assignment of Contracts

Closing Date: April 7, 2003

For good and valuable consideration, receipt of which is acknowledged, Seller
assigns to Buyer all of }s rights, title and interest in the Contracts described
in Exhibit A, Schedule of Contracts, issued pursuant to and subject to all the
terms and conditions of the Purchase and Sale Agreement dated April 7, 2003.

Signed by Seller:                         Accepted by Buyer:

  /s/ Jerry Fenstermaker                   /s/ Daniel C. Cadle
------------------------------------      --------------------------------
                                               Daniel C. Cadle, President

<PAGE>

                                    Exhibit D

                                  Bill of Sale

Pursuant to the for Purchase and Sale Agreement dated April 7, 2003 (the
"Agreement") by and between Freedom Financial Group ("Seller") and The Cadle
Company and/or its Assigns ("Buyer"), for good and valuable consideration paid
by Buyer, the receipt and sufficiency of which is hereby acknowledged, Seller
does hereby sell, transfer, assign and convey to Buyer, without recourse to
Seller except as set forth in the Agreement, all of Seller's right, title and
interest in, to and under (a) the Schedule of Contracts attached hereto as
Exhibit A, including all Security Agreements, and Contract Files related to such
Contracts and (b) all of Seller's rights and remedies under or in connection
with the Contracts.

Capitalized terms used and not defined herein shall have the meanings ascribed
to such terms in the Agreement.

This instrument and the covenants and agreements contained herein shall be
binding upon Seller, its successors and its assigns, and shall inure to the
benefit of Buyer, its successors and its assigns.

IN WITNESS WHEREOF, Seller has caused this Bill of Sale to be executed in its
name by a duly authorized representative this 7th day of April 2003.

                                            /s/ Jerry Fenstermaker
                                           -----------------------------
                                           Title:   CEO
                                                 -----------------------COMMERCIAL REAL ESTATE PURCHASE CONTRACT
                             AND RECEIPT FOR DEPOSIT

                                     RECEIPT

Received from:  New Life Church of God, Cleveland, TN ("Buyer")

Agency Confirmation:  Broker named on Line 14 is the agent of (check one):

|_|  the Buyer exclusively, or   |_|  the Seller exclusively, or
|X| both the Buyer and Seller

Earnest Money: Earnest money shall be held by Broker until offer is accepted.
Upon acceptance, Broker is authorized to deposit the earnest money with any
Escrow Company to which the check is payable. If the check is payable to Broker,
Broker may deposit the check in Broker's trust account or endorse the check
without recourse and deposit it with a duly licensed Escrow Company. Buyer
agrees that, if Buyer breaches this Contract, any earnest money is subject to
forfeiture, if any check for earnest money is dishonored for any reason, at
Seller's option, Seller shall be immediately released from all obligations under
this Contract. Unless otherwise provided herein, all earnest money is considered
to be part of the purchase price for the Premises described below.

      a.    Amount of Deposit $1,000

      b.    Form of Earnest Money |_| Personal Check |X| Other

      c.    Deposited with: |_|  Broker's Trust Account |X| Escrow Company:
            Fidelity National

<TABLE>
<CAPTION>
<S>            <C>                                   <C>                        <C>
Received by:      Pete W. Ware 4677                  /s/ Peter W. Ware          05/9/03
             ---------------------------------------------------------------------------
         (Print Sales Person's Name and Agent Code)  (Salesperson's Signature)  (Mo/Day/Yr)

               Long Realty Company         167-07
-------------------------------------------------------------------------------------------
         (Print name of Firm)              (Office Code)              (Telephone)
</TABLE>

                                      OFFER

Property Description and Offer: Buyer agrees to purchase the real property which
includes, at no additional cost to Buyer, all fixtures and improvements thereon,
as well as the following items, if any, owned by Seller and presently located in
the Premises: electrical distribution systems (power panels, buss ducting,
conduits, disconnects, lighting fixtures), telephone distribution systems
(lines, jacks and connections), space heaters, air conditioning equipment,
carpets, window coverings, wall coverings, security systems/alarms,
and __________________________________________________________________________
____________________________________________________ plus personal property
described herein or in attached addendum (collectively, the "Premises"),
improvements and personal property shall be free of liens unless otherwise
specified.

Premises Address: 540 N. Nebraska

City:    Tucson            County:  Pima, AZ                  Zip Code:  85706

Assessors #:      ###-##-####

Legal Description: W. 150' of S. 140' of S1/2 of Lot 15, Block 1, Arcadia, Pima
County, Arizona

Personal property includes herein shall be transferred in AS-IS CONDITION, FREE
AND CLEAR OF ENCUMBRANCES, and SELLER MAKES NO WARRANTY of any kind, express or
implied (including, without limitation, ANY WARRANTY OF MERCHANTABILITY).

Additional Existing Personal Property included: ______________________________

Fixtures and Leased Equipment NOT included:___________________________________

Addenda incorporated: |_|  AAR |_|  Schedule of personal property
                      |_|  Lead-Based Paint Disclosure
                      |_|  Other

$90,000 Full Purchase Price paid as outlined below. Buyer acknowledges that
failure to pay the required funds by the scheduled Close of Escrow other than as
described in any of the following financing sections, shall be construed as a
material breach, and all earnest money shall be subject to forfeiture.

$1,000 Earnest money as indicated above.

$21,500 Certified funds at COE

$107,500 By new financing pre-approved by Buyer's lender Southern Arizona
Community Bank Terry Gomez, Vice President, at market terms and conditions.

Closing Date: Seller and Buyer will comply with all terms and conditions of this
Contract and close escrow on 6/11/03. Any earlier closing date requires written
mutual agreement of Seller and Buyer. Seller and Buyer hereby agree that the
Close of Escrow shall be defined as recordation of the documents. The parties to
this Contract expressly agree that the failure of any party to comply with the
terms and conditions of this Contract by the scheduled Close of Escrow will
constitute a material breach of this Contract, rendering the Contract subject to
cancellation as provided in Lines 331-334.

Possession and Keys: Possession and occupancy shall be delivered to Buyer at
Close of Escrow, or |_|  ____________________________, subject to the rights of
tenants under existing leases. Seller shall provide keys and/or means to operate
all locks, mailbox, security systems, alarms, access to all common area
facilities and __________________________________________

IF THIS IS AN ALL CASH SALE, GO TO LINE 158

                                FINANCING OPTIONS

This sale is not contingent upon Buyer qualifying for a new first loan. Buyer
has qualified.

Loan Amount:  $________________________________

Loan Terms/Amortization: The loan shall be amortized over a period of not less
than _____ years and all due in not less than ____ years.

<PAGE>

Type of Loan: |_|  Fixed Rate |_|  Adjustable Rate |_|  Other _________________

Interest Rate: Interest rate shall not exceed ___________% as an annual rate for
a fixed rate loan or an initial rate for an adjustable rate loan. Buyer agrees
to establish the interest rate and "points" by separate written agreement with
the lender at the time of the loan application. If Buyer does not "lock" the
interest rate and points at the time of application, and thereafter is unable to
close escrow because the loan terms described herein no longer are available,
earnest money shall be subject to forfeiture.

Loan Application: Buyer agrees to file a substantially complete loan application
within five (5) calendar days after the acceptance of this Contract and to
promptly supply all documentation required by the lender. Buyer agrees to pay
such fees as required by the lender. Buyer authorizes the lender to provide loan
status updates to Broker(s). If Buyer shall fail to notify its Broker, Escrow
Company and Seller, in writing within _____ calendar days after the date of the
acceptance of the Contract, that the New Loan has not been obtained, it shall be
conclusively presumed that Buyer has either obtained said New Loan or has waived
this New Loan contingency. If, after due diligence, Buyer shall notify the
Broker, Escrow Company and Seller, in writing, with the time specified in Line
65 herein, that Buyer has not obtained said New Loan, this Contract shall be
terminated, and Buyer shall be entitled to the prompt return of the earnest
money and any other funds deposited by or for Buyer with Escrow Company or
Seller, plus any interest earned thereon, less only Escrow Company and Title
Company cancellation fees and costs, which Buyer shall pay.

Loan Origination fee not to exceed ______________ point(s).

                                               PAID BY

                                             Buyer      Seller

Discount Points                             |_|          |_|
Loan Origination Fee                        |_|          |_|
A.L.T.A. Lender Title Insurance Policy      |_|          |_|
Credit Report                               |_|          |_|
Appraisal Fee                               |_|          |_|
Any additional costs not otherwise agreed upon by Seller shall be paid by Buyer.

Appraisal: This sale |_|  is |_|  is not contingent upon an appraisal of the
Premises by an appraiser acceptable to the lender for at least |_|  the sales
price |_|  an amount necessary to obtain the loan.

Buyer agrees to assume the existing loan(s) and pay all payments subsequent to
Close of Escrow.

Assumption: This sale |_|  is |_|  is not contingent upon Seller being released
from liability for loan being assumed. If Seller is not released from liability,
Seller acknowledges that there may be continuing liability in the event of a
Buyer default.

Current Interest Rate:                     Current Payment Amount:

|_|  Fixed |_|  Adjustable __________%  $_____ |_|  PIT |_|  P1 |_|  Other ____

Loan Balance: $______________________      Loan Due Date: _____________________

<PAGE>

The balance of any encumbrance being assumed is approximate. Any difference
shall be reflected in the |_|  Cash Down Payment |_|  Seller Carryback |_|
Other: _______________________________

Impounds: Buyer shall |_| reimburse Seller for any impounds transferred to Buyer
or |_| ________

Loan Transfer and Assumption Fees: To be paid by |_| Buyer |_| Seller |_|
______________________. All other lender charges shall be paid by Buyer. If more
than one loan is being assumed, go to Additional Terms and Conditions beginning
on Line 369.

Credit Evaluation: This sale |_| is |_| is not contingent upon Seller's approval
of Buyer's credit. If applicable, Buyer shall provide to Seller a current credit
report from a credit reporting agency and a completed loan application on the
current FNMA term within five (5) calendar days after acceptance of this
Contract. Reasonable disapproval of Buyer's credit requires written notice from
Seller to Escrow Company within five (5) calendar days after receipt by Seller
of current credit report and completed loan application. Approval will not be
unreasonably withheld. Escrow Company is directed to record a Request for Notice
of Sale on behalf of the Seller and at Seller's expense.

Lender Requirements: Buyer agrees to cooperate fully with lender and supply the
necessary documentation to complete the assumption. Buyer agrees to assume the
existing lien and pay all payments subsequent to close of escrow.

A portion of the purchase price shall be financed by the Seller and paid by the
Buyer as follows, with the first payment due ______________________.

Loan Amount: $________________________ as adjusted, if necessary, pursuant to
Lines 87-89.

Priority of Loan: |_| First |_| Second |_| ___________________________

Type of Financing Instrument: Buyer shall execute |_| a promissory note and deed
of trust in favor of Seller or |_| _______________________________________ and
record the security instrument against the Premises.

Interest Rate: The unpaid balance shall bear interest at the rate of
_______________% per year beginning at the Close of Escrow.

Payment Intervals: |_| Monthly |_| Quarterly |_| Semi-annually |_| Annually |_|
Other ______________

Payment Amount: $______________________ or more, including the above stated
interest. If an adjustment in the loan amount is necessary pursuant to Line 101,
parties agree to adjust the: |_| Payment amount |_| Term

Loan Term: |_| Amortizing over _____ years |_| If balloon payment, principal
balance due on or before _______________________ |_| Interest-only payments,
with principal balance due on or before

Late Payments: If late, Buyer shall pay late fees: |_| Yes |_| No If "Yes",
payments which are at least ______________ calendar days past due shall be
subject to a late fee of ______________________. If any balloon payment is late,
then the late fee per day will be $__________________________.

<PAGE>

Default Rate: If payment(s) are at least thirty (30) calendar days past due,
then the principal balance shall bear interest as a default rate of five percent
(5%) or ________________% over the interest rate of the carryback as stated
herein. Said default rate shall begin on the 31st day following the due date of
the payment(s) until payment(s) are brought current. Payments are first applied
to accrued interest and penalties, then to principal. Credit Evaluation: This
sale |_| is |_| is not contingent upon Seller's approval of Buyer's credit. If
this sale is contingent upon Seller's approval of Buyer's credit then Seller's
obligation to create such a lien shall be contingent upon Seller's approving
Buyer's creditworthiness. Buyer shall provide to Seller a current credit report
from a credit reporting agency and a completed loan application and/or financial
statement satisfactory to Seller within five (5) calendar days after acceptance
of this Contract. After receipt by Seller of Buyer's required documentation,
Seller shall have five (5) calendar days to provide written notice to escrow
agent of Seller's disapproval. Seller's failure to notify escrow agent in
writing shall conclusively be considered approval.

Due On Sale: Loan created |_| is |_| is not due on sale of the Premises. If loan
created herein is due on sale of the Premises, and in the event that the
Premises is sold, transferred or conveyed in any manner, the promissory note and
deed of trust shall provide that the promissory note and deed of trust become
immediately due and payable.

Account Servicing: Payments on this loan and all prior encumbrances shall be
made concurrently through a single servicing account to be maintained by a duly
licensed account servicing agent. Payments on this loan shall be made at least
ten (10) calendar days prior to the date of any period payment due on any prior
encumbrance. The parties hereby instruct servicing agent not to accept any
payment without all other concurrent payments.

Account to be handled by _______________________________________

Set up and servicing fees shall be paid by |_| Buyer |_| Seller |_| ___________

Buyer's Liability: The Buyer acknowledges that, unless otherwise agreed, Buyer
shall have personal liability in case of default on any Seller Carryback
financing. Buyer shall furnish to Seller, at Buyer's expense, a Standard Loan
Policy in the full amount of any loan carried back by Seller and secured by the
real property described in Lines 23-27 of this Contract. Such Standard Loan
Policy shall show that Seller's lien has the priority agreed to by the parties.

Taxes: In the absence of an impound account, Buyer shall |_| provide the Seller
proof of payment within ______________ days of due date for property taxes or
|_| Buyer shall provide and pay for a tax service contract over the life of this
loan which will provide a delinquency notice to Seller, or any successor in
interest to Seller, of any unpaid taxes.

Insurance: Buyer shall provide, maintain and deliver to Seller with Seller named
as an additional insured, an extended coverage insurance policy insuring against
loss from such extended coverage risks in an amount |_| equal to at least 100%
of the full replacement cost of the improvements including all furniture,
fixtures an equipment, or |_| $____________________ an amount acceptable to
Buyer and Seller. Buyer shall have in force a policy of public liability
insurance with a single limit of not less than
$_________________________________ naming Seller

<PAGE>

as an additional insured. Insurance policies shall be of such form, substance
and amount written by a company acceptable to Seller.

These provisions for taxes and insurance shall be made part of the security
instrument which shall be in the Title Company standard form as modified by this
Contract.

Release of Broker: Any loan described in this Contract will be independently
investigated and evaluated by Seller and/or Buyer, who hereby acknowledge that
any decision to enter into any loan arrangements with any persons or entity will
be based solely upon such independent investigation and evaluation. Buyer and
Seller further hold harmless and release Broker and acknowledge that no Broker
is in any way responsible for Buyer or Seller's decisions concerning the
desirability or acceptability of any loan or any terms thereof.

Changes: Buyer shall not make any changes in the loan program or financing terms
described in this Contract without the prior written consent of Seller unless
such changes do not adversely affect Buyer's ability to qualify for the loan,
increase Seller's closing costs or delay the closing date.

Return of Earnest Money: Unless otherwise provided herein, Buyer is entitled to
a return of the earnest money. If after a diligent and good faith effort, Buyer
does not qualify for a loan described in this Contract, Buyer is aware that
failure to have the funds necessary to obtain the loan and close his transaction
shall be considered a breach of contract and not a failure to qualify for the
loan. Buyer acknowledges that prepaid items paid separately from earnest money
are not refundable.

RESPA: The Real Estate Settlement Procedures Act (RESPA) requires that no Seller
of property that will be purchased with the assistance of a federally-related
mortgage loan shall require, directly or indirectly, as a condition of selling
the property, that title insurance covering the property be purchased by the
Buyer from any particular title company.

                                TITLE AND ESCROW

Title and Vesting: Taking title may have significant legal, estate planning and
tax consequences. Buyer should obtain legal and tax advice.

Buyer will take title as |determined before Close of Escrow |_| community
property with right of survivorship |_| community property |_| joint tenants
with right of survivorship |_| sole and separate property |_| tenants in common
|_| Other _______________________________________

Escrow Company is hereby instructed to obtain and distribute to Buyer a
Commitment for Title Insurance together with complete and legible copies of all
documents which will remain as exceptions to Buyer's policy of Title Insurance
unless same are disposed of to the satisfaction of the Escrow Company. Buyer is
allowed 5 calendar days after receipt of the Commitment for Title Insurance and
after receipt of notice of any subsequent exceptions to provide written notice
to Seller of any of the preceding items disapproved. REFER TO LINES 276-284 FOR
IMPORTANT TERMS. Seller shall convey title by Warranty Deed, Buyer shall be
provided at Seller's expense a Standard Owner's Title Insurance Policy showing
the title vested in Buyer provided in Lines 159-161. Buyer may acquire extended
coverage at Buyer's own additional expense.

<PAGE>

Escrow: This Contract will be used as escrow instructions. The Escrow Company
employed by the parties to carry out the terms of this Contract shall be:
Fidelity National Title Agency, 7750 E. Broadway, Tucson, AZ 85710 570-290-6027.

      (a) if the Escrow Company is also acting as the title agency but is not
the title insurer issuing the title insurance policy, the Buyer and Seller
hereby instruct the Escrow Company to deliver to the Buyer and Seller upon
opening of escrow a closing protection letter from the title insurer
indemnifying the Buyer and Seller for any losses due to fraudulent acts or
breach of escrow instructions by the Escrow Company. (b) All documents necessary
to close this transaction shall be executed promptly by Seller and Buyer in the
standard form used by Escrow Company. Escrow Company is hereby instructed to
modify such documents to the extent necessary to be consistent with this
Contract. (c) All closing and escrow costs, unless otherwise stated herein,
shall be allocated between Seller and Buyer in accordance with local custom and
applicable laws and regulations. (d) Escrow Company is hereby instructed to send
to Broker(s) copies of all notices and communications directed to Seller or
Buyer. Escrow Company shall provide to such Broker(s) access to escrowed
materials and information regarding the escrow. (e) Any documents necessary to
close the escrow may be signed in counterparts, each of which shall be effective
as an original upon execution, and all of which together shall constitute one
and the same instrument.

Prorations, Expenses and Adjustments: Taxes: Real property taxes payable by the
Seller of the Premises shall be prorated through Close of Escrow, based upon the
latest tax bill available. Insurance: If Buyer elects to take an assignment of
the existing casualty and/or liability insurance that is maintained by Seller,
the current premium shall be prorated through Close of Escrow. Rents Interest
and Expenses: Collected rents, interest on existing notes, utilities and
operating expenses shall be prorated as of Close of Escrow. The Parties agree to
promptly adjust between themselves outside of escrow any rents received after
Close of Escrow. Deposits: All deposits held by Seller pursuant to rent/lease
agreement(s) shall be given to Buyer by a credit to the cash required of Buyer
at Close of Escrow. Post Closing Matters: Any items to be prorated that is not
determined or determinable at Close of Escrow shall be promptly adjusted by the
parties by appropriate cash payment outside of the escrow when the amount due is
determined. Escrow Company and Broker(s) are relieved of any responsibilities
for said adjustments.

Insurance: Buyer understands that any fire, casualty, or other insurance desired
by Buyer must be in place at Close of Escrow. Buyer specifically releases
Broker(s) from any obligations relating to such insurance.

Assessments: The amount of any assessment which is a lien as of the Close of
Escrow shall be |paid in full by Seller |X| prorated and assumed by Buyer

Any assessment that becomes a lien after Close of Escrow is the Buyer's
responsibility.

IRS Reporting: Seller agrees to comply with IRS reporting requirements, if
applicable. Seller agrees to complete, sign and deliver to Escrow Company a
certificate indicating whether Seller is a foreign person or a non-resident
alien pursuant to the Foreign Investment in Real Property Tax Act (FIRPTA).

<PAGE>

                     DISCLOSURES, INSPECTIONS AND WARRANTIES

Seller Property Disclosure Statement (SPDS):

(a) |_| Buyer has received, read, and approved the SPDS. No Seller SPDS
available

(b) |_| Buyer waives review and approval of SPDS (BUYER'S INITIALS REQUIRED HERE
TO WAIVE SPDS) ______________ Buyer ____________________Buyer)

(c) |_| Seller shall deliver the SPDS within five (5) calendar days after
acceptance of the Contract. The Buyer shall provide written notice of any items
reasonably disapproved within the inspection period.

Seller's Notice of Violations: Seller represents that Seller has no knowledge of
any notice of violations of City, County, State or Federal building, zoning,
fire or health laws, codes, statutes, ordinances, regulations, or rules filed or
issued regarding the Premises. If Seller receives notice of violations prior to
Close of Escrow, Seller shall immediately notify Buyer in writing. Buyer is
allowed five (5) calendar days after receipt of notice to provide written notice
to Seller or any items reasonably disapproved. REFER TO LINES 276-284 FOR
IMPORTANT TERMS.

Seller's Documents: Seller shall provide to Buyer in writing within 5 calendar
days the following items (1) any known pending special assessments, association
fees, claims or litigation and (2) copies of Covenants, Conditions and
Restrictions, Articles of Incorporation, bylaws, other governing documents, and
any other documents required by law, (3) any rent rolls, deposit rolls, personal
property lists, copies of all leases, service contracts and any other agreements
relating to the Premises, and _____________________________________________.

Buyer has the right to reasonably disapprove the above documents in accordance
with Lines 276-284.

No Tenant Bankruptcy Proceedings: Seller has no notice or knowledge that any
tenant of the Premises of the subject of a bankruptcy or insolvency proceeding.

No Seller Bankruptcy Proceedings: Seller is not the subject of a bankruptcy,
insolvency or probate proceeding.

Surveys: Survey |_| required |X| not required to be paid by |_| Seller |_| Buyer
|_| ___________________ _____________ within _________ calendar days after
mutual acceptance of this Contract. Such survey shall be: |_| certified by a
licensed surveyor acceptable to Buyer and the Title Company in sufficient detail
for an American Land Title Association ("ALTA") Owner's Policy of Title
Insurance with boundary, encroachment or survey exceptions and showing all
improvements, utility lines and easements on the Property or within 5 feet
thereof, or |_| (describe) __________________________________

Buyer shall have five (5) calendar days after receipt of written receipt of
survey to provide written notice of reasonable disapproval to the Seller. REFER
TO LINES 276-284 FOR IMPORTANT TERMS.

<PAGE>

Premises with Pools: Buyer and Seller acknowledge that, if the Premises contains
an above or below ground swimming pool or contained body of water intended for
swimming, there will be compliance with any applicable state, county and
municipal pool barrier and notice requirements prior to possession by the Buyer.
Buyer and Seller expressly relieve and indemnify Broker(s) from any and all
liability and responsibility for such compliance.

Lead-Based Paint Disclosure (Initials Required): The U.S. Department of Housing
and Urban Development requires any Seller of residential real property build
prior to 1978 to (1) notify the Buyer of any known lead-based paint or
lead-based paint hazards in the Premises to be sold, (2) provide the Buyer's
with any lead-based paint risk assessments or inspections in the Seller's or
inspections in the Seller's possession, and (3) provide the Buyer a 10-day
opportunity, or other mutually agreed upon period, to conduct or obtain a risk
assessment or inspection for the presence of lead based paint or lead-based
paint hazards. Buyer is advised to conduct or obtain such assessments or
inspections during the Inspection Period.

By initializing below, Buyer acknowledges:

That the residence(s) and building(s) included in the sale were constructed
prior to 1978 and that Buyer has received the Disclosure of Information on
Lead-based Paint and Lead-Based Paint Hazards, referenced as an Addendum on Line
33, and any report, records, pamphlets and/or other materials reference therein,
including the pamphlet "Protect Your Family from Lead in Your Home" or |_|  That
the residence(s) and building(s) included in this sale were constructed in 1978
or later.

(BUYER'S INITIALS REQUIRED ___________ Buyer _______________ Buyer)

Property built prior to 1978 but is not residential.

Physical and Environmental Inspection: Buyer shall have the right at |X| Buyer's
expense |_| Seller's expense to select an inspector(s) to make "inspections"
(including tests, surveys and other studies) of the Premises, including but not
limited to square footage, wood infestation, roof, designated flood hazard
areas, structural plumbing (such as galvanized or polybutylene pipes),
sewer/septic well, heating, air conditioning, electrical and mechanical systems,
built-in appliances, soil, foundation, pool/spa and related equipment, cost of
compliance with swimming pool regulations, possible environmental hazards (such
as asbestos, formaldehyde, radon gas, lead-based pain, fuel or chemical storage
tanks, hazardous waste, other substances, materials or products and/or location
in a federal or state Superfund area), geologic conditions, location of property
lines, and water/utility use restrictions and fees for services (such as garbage
or fire protection, sign usage, zoning regulations, water/utility and use
restrictions. Seller shall make the Premises available for all inspections.
Seller understands that this inspection requires that the utilities be on
including propane, if applicable, and the Seller is responsible for providing
same at Seller's expense. Buyer shall keep the Premises free and clear of liens,
shall indemnify and hold Seller harmless from all liability, claims, demands,
damages and costs and shall repair all damages arising from the inspections.
Buyer shall provide Seller and Broker(s) upon receipt, at no cost, copies of all
reports concerning the Premises obtained by Buyer. Buyer shall provide written
notice to Seller of any items reasonably disapproved within |X| ten (10)
calendar days or |_| ______________ calendar days after acceptance of the
Contract. REFER TO LINES 276-284 FOR IMPORTANT TERMS.

<PAGE>

Physical Inspection Waiver: The Buyer has been advised of the benefits of an
independent physical inspection of the entire Premises in order to determine the
condition thereof. The Buyer hereby waives the inspection and agrees not to make
any claims against the Seller, Broker(s) or Agents regarding the condition of
the Premises. This waiver does not release the Seller from warranties or
disclosure requirements that may be expressed elsewhere in this Contract.

----------        -----------       -----------      -----------
BUYER             BUYER             SELLER           SELLER

Environmental Waiver: The Buyer has been advised of the benefits of an
independent environmental inspection of the entire Premises in order to
determine the condition thereof. The Buyer hereby waives the inspection and
agrees not to make any claims against the Seller, Broker(s) or Agents regarding
the condition of the Premises. This waiver does not release the Seller from
warranties or disclosure requirements that may be expressed elsewhere in this
Contract.

----------        -----------       -----------      -----------
BUYER             BUYER             SELLER           SELLER

SQUARE FOOTAGE: BUYER IS AWARE THAT ANY REFERENCE TO THE SQUARE FOOTAGE OF THE
REAL PROPERTY OR IMPROVEMENTS THEREON IS APPROXIMATE. IF SQUARE FOOTAGE IS A
MATERIAL MATTER TO THE BUYER, IT MUST BE VERIFIED BY BUYER DURING THE INSPECTION
PERIOD.

Wood Infestation Report: During the Inspection Period |_| Seller |X| Buyer will,
at his expense, place in escrow a Wood Infestation Report or all residences and
buildings included in this sale prepared by a qualified licensed pest control
operator consistent with the rules and regulations of the Structural Pest
Control Commission of the State of Arizona. If the lender requires an updated
Wood Infestation Report, it will be at Buyer's expense. If wood infestation is
found on any such updated Wood Infestation Report, REFER TO LINES 276-284 FOR
IMPORTANT TERMS. IF CURRENT OR PAST WOOD INFESTATION (SUCH AS TERMINATES) IS A
MATERIAL MATTER TO THE BUYER, IT MUST BE VERIFIED DURING THE INSPECTION PERIOD.

Flood Hazard: If the Premises are situated in an area identified as having any
special flood hazards by any governmental entity including, but not limited to,
being designated as a special flood hazard area by the Federal Emergency
Management Agency (FEMA), the Buyer's lender may require the purchase of flood
hazard insurance at the Close of Escrow or some future date. Special flood
hazards may affect the ability to encumber or improve the Premises, now or at
some future date. Flood hazard designation of the Premises or cost of flood
hazard insurance shall be determined by Buyer during the Inspection Period.

Buyer Reasonable Disapproval: If Buyer reasonably disapproves of items as
provided herein, Buyer shall deliver to Seller written notice of the items
reasonably disapproved, and state in the written notice that Buyer elects to
either:

(a) immediately cancel this Contract without further written consent of the
parties, in which event all earnest money will be released to Buyer, or

<PAGE>

(b) provide the Seller an opportunity to correct the items reasonably
disapproved. If Buyer elects option (b), Seller shall respond in writing within
five (5) calendar days or __________ calendar days after delivery to Seller of
Buyer's notice of items reasonably disapproved. Any agreed upon repairs or other
actions to correct items reasonably disapproved shall be completed by Seller
prior to Close of Escrow. If Seller is unwilling or unable to correct any of the
items reasonably disapproved by Buyer, including making any repairs in a
workmanlike manner, Buyer may by written notice to Seller cancel this Contract
within five (5) calendar days after receipt of Seller's response, or after
expiration of the time for Seller's response, whichever occurs first, without
further written consent of the parties, in which case all earnest money will be
released to Buyer.

BUYER'S FAILURE TO GIVE WRITTEN NOTICE OF REASONABLE DISAPPROVAL OF ITEMS OR
CANCELLATION OF THIS CONTRACT WITHIN THE SPECIFIED TIME PERIODS SHALL
CONCLUSIVELY BE DEEMED BUYER'S ELECTION TO PROCEED WITH THE TRANSACTION WITHOUT
CORRECTION OF ANY REASONABLY DISAPPROVED ITEMS WHICH SELLER HS NOT AGREED TO
CORRECT.

Sanitation and Waste Disposal Systems: Buyer is aware and Seller warrants that
the Premises are on a: |X| sewer system |_| septic system |_| alternative.

Obligations Regarding Waste Disposal Systems: At |_| Seller's |_| Buyer's
expense, any septic tank on the Premises shall be pumped and certified by an
inspector and/or contractor recognized by the applicable governmental authority.
Certification and/or documentation required shall be delivered to the Escrow
Company. The Seller warrants that the system is being operated in compliance
with the established standards of the applicable governmental authority.

Seller's Obligations Regarding Wells: If any well is located on the Premises,
Seller shall deliver to Escrow Company, before Close of Escrow, a copy of the
Arizona Department of Water Resources (ADWR) "Registration of Existing Wells".
Escrow Company is hereby instructed to send to the ADWR a "Change of Well
Information" (ARS ss. 45-593).

Final Walkthrough: The Seller grants Buyer and any representative of Buyer
reasonable access to conduct a final walkthrough of the Premises for the purpose
of satisfying Buyer that any repairs agreed to by the Seller have been completed
and, further, that the Premises are in substantially the same condition as on
the date of acceptance of the Contract. Seller shall make the Premises available
for the final walkthrough. Seller understands that the final walkthrough
requires that the utilities be on, including propane, if applicable, and the
Seller is responsible for providing same at Seller's expense. If Buyer does not
conduct such walkthrough, Buyer specifically releases Broker(s) of any
liability.

Buyer Warranties: Buyer warrants that he has disclosed to Seller any information
which may materially and adversely affect the Buyer's ability to close escrow of
complete the obligations of this Contract. AT the earlier of possession of the
Premises or Close of Escrow, (a) Buyer warrants to Seller that Buyer has
conducted all desired independent investigations and accepts the Premises and
(b) Buyer acknowledges that there will be no Seller Warranty of any kind, except
as stated in Lines 306-311.

<PAGE>

Warranties that Survive Closing: Prior to the Close of Escrow, Seller warrants
that payment in full will have been made for all rental and/or privilege taxes,
labor, professional services, materials, machinery, fixtures or tools furnished
within the 120 calendar days immediately preceding the Close of Escrow in
connection with the construction, alteration or repair of any structure on or
improvement to the Premises. Seller warrants that the information on Lines
288-289 regarding connection to a public sewer system, septic tank or other
sanitation system is correct to the best of his knowledge. Seller warrants that
he has disclosed to Buyer and Broker(s) all material latent defects and any
information concerning the Premises known to Seller excluding opinions of value,
which materially and adversely affect the consideration to be paid by Buyer.

                                    REMEDIES

Release of Brokers: SELLER AND BUYER HEREBY EXPRESSLY RELEASE, HOLD HARMLESS AND
INDEMNIFY ALL BROKER(S) IN THIS TRANSACTION FROM ANY AND ALL LIABILITY AND
RESPONSIBILITY REGARDING THE CONDITION, SQUARE FOOTAGE/ACREAGE, LOT LINES OR
BOUNDARIES, VALUE, RENT ROLLS, ENVIRONMENTAL PROBLEMS, SANITATION SYSTEMS, ROOF,
WOOD INFESTATION AND WOOD INFESTATION REPORT, COMPLIANCE WITH BUILDING CODES OR
OTHER GOVERNMENTAL REGULATIONS, OR ANY OTHER MATERIAL MATTERS RELATING TO THE
PREMISES.

Default and Remedies: If either party defaults in any respect on any material
obligations under this Contract, the non-default party may elect to be released
from all obligations under this Contract by canceling this Contract as provided
in Lines 331-334. The non-defaulting party may thereafter proceed against the
party in default upon any claim or remedy which the non-default party may have
in law or equity. In the case of the Seller, because it would be difficult to
fix actual damages in the event of Buyer's default, the amount of the earnest
money may be deemed a reasonable estimate of the damages and Seller may, at
Seller's option accept the earnest money, subject to any compensation to
Broker(s), as Seller's sole right to damages. In the event that the
non-defaulting party elects not to cancel this Contract, the non-defaulting
party ay proceed against the party in default for specific performance of this
Contract or any of its terms, in additional to any claim or remedy which the
non-default party may have at law or equity. In the event that either party
pursues specific performance of this Contract, that party does not waive the
right to cancel this Contract pursuant to Lines 331-334 at any time, and proceed
at any time, and proceed against the defaulting party as otherwise provided
herein, or in law or equity. If Buyer or Seller files suit against the other to
enforce any provision of this Contract or for damages sustained by reason of its
breach, all parties prevailing in such action, on trial and appeal, shall
receive their reasonable attorneys' fees and costs as awarded by the court. IN
addition, both Seller and Buyer agree to indemnify and hold harmless all Brokers
against all costs and expenses that any Broker may incur or sustain in
connection with any lawsuit arising from this Contract and will pay the same on
demand unless the court grants judgment in such action against the party to be
indemnified. Costs shall include, without limitation, attorneys' fees, expert
witness fees, fees paid to investigators and court costs.

Cancellation: Except as otherwise provided herein, any party who wishes to
cancel this Contract because of any material breach by another party, and who is
not in material breach except as occasioned by a material breach by the other
party, may cancel this Contract by delivering written notice of cancellation to

<PAGE>

either that breaching party or to the Escrow Company stating the nature of the
breach. Cancellation shall become effective immediately upon delivery of the
written notice of cancellation to either the breaching party or Escrow Company.

Release of Earnest Money: In the event of a dispute between Buyer and Seller
regarding earnest money deposited with Escrow Company, Buyer and Seller
authorize Escrow Company to release earnest money pursuant to the terms and
conditions of this Contract. Buyer and Seller especially authorize Escrow
Company against any claim, action or lawsuit of any kind, and from any loss,
judgment or expense, including costs and attorneys' fees, arising from or
relating in any way to the release of earnest money. If Escrow Company does not
release earnest money or if Buyer or Seller disagree with disbursement by the
Escrow Company, Buyer and Seller acknowledge that mediation if generally
required.

Recommendations: If any Broker recommends a builder contractor, inspector, or
any other person or entity to Seller or Buyer for any purpose, such
recommendations will be independently investigated and evaluated by Seller or
Buyer, who hereby acknowledge that any decision to enter into any contractual
arrangements with any such person or entity recommended by any Broker will be
based solely upon such independent investigation and evaluation. Seller and
Buyer understand that said contractual arrangement may result in a commission or
fee to Broker, which shall be disclosed in writing to the Seller and Buyer.

Brokers/Fee: Buyer and Seller each represent and warrant to the other that
he/she/it has had no dealings with any person, firm, broker or finder in
connection with the negotiation of this Agreement and/or the consummation of the
purchase and sale contemplated herein, other than the Broker(s) named herein,
and no Broker or other person, firm or entity, other than said Broker(s) is/are
entitled to any commission or finder's fee in connection with this transaction
as the result of any dealings or acts of such party. Buyer and Seller do each
hereby agree to indemnify, defend, protect and hold the other harmless from and
against any costs, expenses or liability for compensation, commission or changes
which may be claimed by any broker, finder or other similar party, other than
said named Broker(s) by reason of any dealings or act of the indemnifying Party.

Broker's Notice to Buyer and Seller: Buyer and Seller hereby acknowledge that
they have been and are now advised by the Broker(s) to consult and retain their
own experts to advise and represent them concerning the legal and income tax
effects of this Contract, as well as the condition and/or legality of the
Premises, the improvements and equipment therein , the soil thereof the
condition of title thereto, the survey thereof, the environmental aspect
thereof, the intended and/or permitted usage thereof, the existence and nature
of tenancies therein, the outstanding other agreements, if any, with respect
thereto, and the existing or contemplated financing thereof, and that the
Broker(s) is/are not to be responsible for pursing the investigation of any such
matters unless expressly otherwise agreed to in writing by Broker(s) and Buyer
or Seller.

Mediation: buyer and Seller agree to mediate any dispute or claim arising out of
or relating to this Contract, any alleged breach of this Contract or services
provided in relation to this Contract before resorting to court action. Any
agreement signed by the parties pursuant to the mediation conference shall be
binding. All mediation costs will be paid equally by the parties to the
Contract. Disputes shall include claims for earnest money or representations
made by the Buyer or Seller in connection with the sale, purchase, financing,
condition, or other aspect of the Premises to which this Contract pertains,
including without limitation, allegations of concealment, misrepresentation,
negligence and/or fraud. The following matters are excluded from mediation
hereunder: (a) judicial or nonjudicial foreclosure or other action or proceeding

<PAGE>

to enforce a deed of trust, mortgage, or agreement for sale, (b) an unlawful
entry or detainer action; (c) the filing or enforcement of a mechanic's lien;
(d) any action brought in the Small Claims Division of an Arizona Justice Court,
so long as the matter is not thereafter transferred or removed from the Small
Claims Division; or (e) any matter which is within the jurisdiction of a probate
court. The filing of a judicial action to enable the recording of a notice of
pending action, or order of attachment, receivership, injunction, or other
provisional remedies shall not constitute a waiver of the obligation to mediate
under this provision, nor shall it constitute a breach of the duty to mediate.

                         ADDITIONAL TERMS AND CONDITIONS

Risk of Loss: If there is any loss or damage to the Premises between the state
of acceptance of this Contract and the Close of Escrow or possession, whichever
is earlier, by reason of fire, vandalism, flood, earthquake or act of God, the
risk of loss shall be on the Seller, provided, however, that if the cost of
repairing such loss or damage would exceed ten percent (10%) of the purchase
price, either Seller or Buyer may elect to cancel the Contract.

Permission: Buyer and Seller grant Broker(s) permission to advise the public of
this Contract.

Arizona Law: This Contact shall be governed by Arizona law. Time is of the
essence.

Compensation: Seller and Buyer acknowledge that Broker(s) shall be compensated
for services rendered as previously agreed to separate written agreement(s). Any
separate written agreement(s) shall be delivered to Escrow Company for payment
at Close of Escrow, if not previously paid, and shall constitute an irrevocable
assignment of Seller's proceeds at Close of Escrow. If any Broker hires an
attorney to enforce the collection of the brokerage fee payable pursuant to this
Contract an d is successful in collecting some or all of such brokerage fee, the
party(ies) responsible for paying such brokerage fee agree(s) to pay such
Broker's cost including but not limited to: attorneys' fees, expert witness
fees, fees paid to investigators, and court costs. COMMISSION PAYABLE FOR THE
SALE, LEASING, OR MANAGEMENT OF PROPERTY ARE NOT SET BY ANY BOARD OR ASSOCIATION
OF REALTORS OR MULTIPLE LISTING SERVICE, OR IN ANY MANNER OTHER THAN BETWEEN THE
BROKER AND CLIENT.

Additional Compensation: The Real Estate Settlement Act ("RESPA") prohibits the
paying or receiving of any fee, kickback, or thing of value for the referral of
any business related to settlement or closing of a federally regulated mortgage
loan, including but not limited to, any services related to the origination,
processing, or funding of a federally regulated mortgage loan, and include such
settlement related business as termite inspections and home warranties. RESPA
does not prohibit fees, salaries, compensation, or other payments for services
actually performed, if any Broker performs any such services for a fee. Seller
and Buyer consent to the payment of this additional compensation as follows:
______________________________________________________________________________

______________________________________________________________________________

Acceptance: This is an offer to purchase the Premises. Unless acceptance is
signed by Seller and a signed copy delivered in person, by mail, or facsimile,
and received by Buyer or by Broker named on Lines 13-14 by May 12, 2003 at 5:00
PM, Mountain Standard Time, or unless this offer to purchase has been previously

<PAGE>

withdrawn by Buyer, this offer to purchase shall be deemed withdrawn and the
Buyer's earnest money shall be returned.

Subsequent Offers: Buyer acknowledges that Seller has the right to accept
subsequent offers until Close of Escrow. Seller understands that any subsequent
offer accepted by the Seller must be a backup offer, namely contingent on the
cancellation of this Contract.

Entire Agreement: This Contract, and any addenda and attachments, shall
constitute the entire agreement between Seller and Buyer, and shall supersede
any other written or oral agreement between Seller and Buyer. This Contract can
be modified only by a writing signed by Seller and Buyer. A fully executed
facsimile copy of the entire agreement shall be treated as an original Contract.
The failure to initial any page of this Contract will not affect the validity of
the terms of this Contract. This Contract may be executed in any number of
counterparts, and will become effective upon delivery as provided for herein.
All counterparts shall be deemed to constitute one instrument and each
counterpart shall be deemed an original. Neither Seller, Buyer nor any Broker
shall be bound by any understanding, agreement, promise, or representation,
express or implied, written or verbal, not specified herein. The Seller and the
Buyer acknowledge that the Broker(s) are third-party beneficiaries of this
Contract.

THIS CONTRACT CONTAINS EIGHT (8) PAGES EXCLUSIVE OF ANY ADDENDA AND ATTACHMENTS.
PLEASE ENSURE THAT YOU HAVE RECEIVED AND READ ALL EIGHT (8) PAGES OF THIS OFFER
AS WELL AS ANY ADDENDA AND ATTACHMENTS.

The undersigned agree to purchase the Property on the terms and conditions
herein stated and acknowledge receipt of a copy hereof.

/s/ (illegible), Pastor, New Life Church of God
-----------------------------------------------------
         BUYER                      MO/DAY/YR

330 W. Nebraska St.                                  5/09/03
------------------------------------------------------------
         ADDRESS

Tucson, AZ  85706
------------------------------------------------------------
         CITY, STATE, ZIP CODE

                                   ACCEPTANCE

Agency Confirmation: The following agency relationship(s) is hereby confirmed
for this transaction:

<TABLE>
<CAPTION>
<S>              <C>                                                   <C>
Listing Broker:  /s/       Peter W. Ware 4677                            Long Realty Company 167-07
                ----------------------------------------------------------------------------------------------
                  PRINT SALESPERSON'S NAME AND AGENCY CODE:      PRINT AGENCY NAME AND OFFICE CODE   TELEPHONE
</TABLE>

Is the Agent of (check one): |_| the Seller exclusively; or
                             |X| both the Buyer and the Seller.

Seller Receipt of Copy: The undersigned acknowledge receipt of a copy hereof and
grant permission to Broker named on lines 13-14 to deliver a copy to Buyer.

<PAGE>

|X| Counter Offer is attached, and is incorporated herein by reference. Seller
should sign both the Contract and the Counter Offer. If there is a conflict
between this Contract and the Counter Offer, the provisions of the Counter Offer
shall be controlling.

<TABLE>
<CAPTION>
<S>                                                          <C>
/s/ SUBJECT TO COUNTER OFFER                                 /s/  Jerald L. Fenstermaker, President
-----------------------------------------------------        -----------------------------------------------------
    SELLER                          MO/DAY/YR                          SELLER                    MO/DAY/YR

                                                              Freedom Financial Group
-----------------------------------------------------         --------------------------------------------
         ADDRESS                                                       ADDRESS

                                                              3042 East Elm, Springfield, MO 65802
-----------------------------------------------------         --------------------------------------------
         CITY, STATE, ZIP CODE                                             CITY, STATE, ZIP CODE

For Broker Use Only Brokerage File/Log No. _________ Manager's Initials ____ Broker's Initials_____
Date:_____
</TABLE>

                                  COUNTER OFFER

THE PRINTED PORTION OF THIS CONTRACT HAS BEEN APPROVED BY THE ARIZONA
ASSOCIATION OF REALTORS. THIS IS INTENDED TO BE A BINDING CONTRACT. NO
REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ADEQUACY OF ANY PROVISION OR
THE TAX CONSEQUENCES THEREOF. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT YOUR
ATTORNEY OR TAX ADVISOR

This is a Counter Offer originated by the |X| Seller |_| Buyer |_| Landlord |_|
Tenant. This is a Counter Offer to the |X| Contract.

|_| Counter Offer dated 5/9/03 between the following Parties:

Seller/Landlord:  Freedom Financial Group, Inc. Jerry Fenstermaker, CEO

Buyer/Tenant:  New Life Church of God, Cleveland, Tenn.

Premises:  540 W. Nebraska, Tucson, Arizona

Acceptance of the above Contract and/or Counter Offer is contingent upon
agreement to the following: Purchase Price to be $100,000.00.

Buyer acknowledges receipt of a copy of the Phase I Environmental Site
Assessment dated 4/9/03 and supplemental letter dated 5/7/03. Originals to be
placed in escrow and transferred at Closing.

Concerning any further Buyer inspections and the final walkthrough, Buyer
acknowledges that the utilities will not be turned on by Seller.

All other terms and conditions to remain the same.

Time for acceptance: Unless acceptance of this Counter Offer is signed by all
parties and a signed copy delivered in person, by mail or facsimile and received
by the party originating the Counter Offer, indicated on line C.1. or received
by Peter Ware, Long Realty by 5/14/03 at 1:00 p.m. Mountain Standard Time or

<PAGE>

unless this Counter Offer has been previously withdrawn by the originating
party, this Counter Offer shall be considered withdrawn at the time and time
specified on Line C.31. Except as otherwise provided in this Counter Offer, the
Parties accept and agree to all terms and conditions of the above Contract
and/or Counter Offer. Until this Counter Offer has been accepted in the manner
described above, the Parties understand that the Premises can be sold or leased
to someone else or other Party may withdraw the offer to buy, sell, or lease the
Premises. The undersigned acknowledge receipt of a copy hereof.

/s/ Jerald L. Fenstermaker                      Date:  5/3/03    Time: 9:40 CST
--------------------------------------------           -------         --------
|X| Seller |_| Buyer |_| Landlord |_| Tenant

The undersigned agree to the modified or additional terms and conditions in the
above Counter Offer and acknowledges receipt of a copy hereof.

|_| An additional Counter Offer is attached.

<TABLE>
<CAPTION>
<S>                                                  <C>                                <C>
                                                     Date:                              Time:
--------------------------------------------              ----------------------             ----------------------
|X| Seller |_| Buyer |_| Landlord |_| Tenant

                                                     Date:                              Time:
--------------------------------------------              ----------------------             ----------------------
|X| Seller |_| Buyer |_| Landlord |_| Tenant

For Broker use only
                    -----------------------------------------------------------------------------------------------
                           Brokerage File/Log No.     Manager's Initials        Broker's Initials         Date
</TABLE>

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