Document:

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                                   EXHIBIT 4.2

                              M.B.A. HOLDINGS, INC.
  NON-EMPLOYEE DIRECTORS AND CONSULTANTS RETAINER STOCK PLAN FOR THE YEAR 2004

                                    ARTICLE I

                                   DEFINITIONS

As used herein,  terms have the meaning hereinafter set forth unless the context
should clearly indicate the contrary:

(a) "Board" shall mean the Board of Directors of the Company.

(b) "Committee" shall mean the Compensation  Committee appointed by the Board to
oversee the administration of this Plan.

(c) "Company" shall mean M.B.A. Holdings, Inc., Inc., a Nevada corporation.

(d) "Director" shall mean a member of the Board.

(e) "Fair  Market  Value"  shall mean the average of the  closing  price for ten
consecutive  trading  days at which the Stock is listed in the NASDAQ  quotation
system ending on the day prior to the date an Option is granted hereunder.

(f) "Grant" means the issuance of an Option  hereunder to an Optionee  entitling
such Optionee to acquire Stock on the terms and  conditions set forth in a Stock
Option Grant to be entered into with the Optionee.

(g) "Option" shall mean the right granted to an Optionee to acquire Stock of the
Company pursuant to the Plan.

(h) "Optionee" shall mean an Officer of the Company or a Director of the Company
to whom a Grant hereunder has been made.

(i) "Plan"  shall mean the M.B.A.  Holdings,  Inc.  Non-Employee  Directors  and
Consultants Retainer Stock Plan for the Year 2004."
 the terms of which are herein set forth;

(j)  "Stock"  shall mean the common  stock of the  Company  or, in the event the
outstanding  shares of stock are hereafter  changed into or exchanged for shares
of different stock or securities of the Company or some other corporation,  such
other stock or securities.

(k) "Stock  Option  Grant" shall mean the  agreement  between the Company and an
Optionee under which an Optionee may acquire Stock pursuant to the Plan.

                                   ARTICLE II

                                    THE PLAN

2.1 NAME.  The plan shall be known as the "M.B.A.  Holdings,  Inc.  Non-Employee
Directors and Consultants Retainer Stock Plan for the Year 2004."

2.2 PURPOSE.  The purpose of the Plan is to advance the business and development
of  the  Company  and  its  shareholders  by  affording  to  the  Directors  and
Consultants of the Company the  opportunity to acquire an equity interest in the
Company  by the grant of  Options  to such  persons  under the terms  herein set
forth.  By doing so, the Company  seeks to motivate,  retain and attract  highly
competent,  highly  motivated  Directors and  Consultants to lead and ensure the
success of the Company.  The Options to be granted  hereunder are  Non-Statutory
Options made available to Directors and Consultants of M.B.A. Holdings, Inc.

2.3 EFFECTIVE  DATE.  The Plan shall become  effective  upon its adoption by the
Board  of  the  Company.   Thereafter,  the  Plan  shall  be  submitted  to  the
shareholders  of the Company for  approval  within 12 months after the date said
Plan is adopted by the Board.

2.4 TERMINATION  DATE. The Plan shall terminate ten (10) years from the date the
Plan is adopted by the Board of the Company and at such time no further  Options
shall be granted under the Plan.  Options  previously granted under the Plan may
be  exercised by the  Optionee in  accordance  with the Stock Option Grant until
such Options terminate as provided in said Stock Option Grant.
<PAGE>

                                       11

                                   ARTICLE III

                                  PARTICIPANTS

Only Directors and Consultants of the Company shall be eligible to be granted an
Option  under the Plan.  The  Committee  may grant  Options to any  Director  or
Consultant in accordance with the terms hereunder and such other  determinations
as the Committee may, from time to time, in its sole discretion make.

                                   ARTICLE IV

                                 ADMINISTRATION

4.1 DUTIES AND POWERS OF THE COMMITTEE.  The Plan shall be  administered  by the
Committee.  Subject to the express  provisions of the Plan, the Committee  shall
have the sole discretion and authority to determine from among eligible  persons
those to whom and the time or times  at which  Options  may be  granted  and the
number of shares of Stock to be subject to each  Option.  Subject to the express
provisions  of the Plan,  the Committee  shall also have  complete  authority to
interpret  the Plan,  to  prescribe,  amend and  rescind  rules and  regulations
related to it and to determine  the details and  provisions of each Stock Option
Grant  and to make  all  other  determinations  necessary  or  advisable  in the
administration of the Plan.

4.2 RECORDS OF PROCEEDINGS.  The Committee shall maintain written minutes of its
actions that shall be maintained among the records of the Company.

4.3  MAJORITY.  A majority of the members of the  Committee  shall  constitute a
quorum and any action taken by a majority present at such meeting, when properly
noticed,  at which a quorum is  present or any  action  taken  without a meeting
evidenced by a writing executed by all members of the Board shall constitute the
action of the Committee.

4.4 COMPANY ASSISTANCE.  The Company shall supply full and timely information to
the  Committee  in all matters  relating to eligible  Optionees,  their  status,
death,  retirement,  disability and such other  pertinent facts as the Committee
may require.  The Company  shall  furnish the  Committee  with such clerical and
other assistance as is necessary in the performance of its duties.  All expenses
of the Committee shall be paid by the Company.

4.5 COMPOSITION OF THE COMMITTEE. The Committee shall consist of up to three (3)
individuals  appointed by the Board from among its members,  at least two (2) of
which are  non-employee  Directors.  Appointment to the Committee shall be for a
term of one (1) year or until new  individuals are appointed to the Committee by
the Board.  Any  individual  designated and serving as a member of the Committee
shall be entitled to  indemnification in relation to such service by the Company
to the fullest  extent  called for or  permitted by Article XII of the Bylaws of
the Company.

4.6  COMMITTEE  AUTHORITY.  If the  Committee  deems it necessary or in the best
interest  of  the  Company  or  its  shareholders,   the  Committee  may  impose
restrictions  of the  subsequent  transferability  of Stock  issued  pursuant to
Options  to be granted  hereunder.  In the event of the  imposition  of any such
conditions, the Stock of the Company to be issued pursuant to the exercise of an
Option  shall have any such  restrictions  prominently  displayed as a legend on
such certificate.

                                    ARTICLE V

                       SHARES OF STOCK SUBJECT TO THE PLAN

5.1 LIMITATION.  Subject to adjustment pursuant to the provisions of Section 5.3
hereof,  the number of shares of Stock  which may be issued  and sold  hereunder
shall not  exceed  2,000,000  shares.  The  Company  shall  take such  action as
necessary to reserve the aforesaid number of shares for issuance pursuant to the
Plan.

5.2 OPTIONS GRANTED UNDER THE PLAN. Commencing on the Effective Date, the amount
of  compensation  for service to  directors or  consultants  shall be payable in
shares of the Common Stock (the "Stock  Retainer")  pursuant to this Plan at the
deemed issuance price of $0.15 per Share.  Shares of stock with respect to which
an Option is granted  hereunder,  but which lapses  prior to exercise,  shall be
considered  available  for  grant  hereunder.   Therefore,  if  Options  granted
hereunder  shall  terminate for any reason without being wholly  exercised,  new
Options  may be granted  hereunder  covering  the number of shares to which such
terminated Options related.

5.3 DEFERRAL  OPTION.  From and after the Effective Date, a Participant may make
an election (a "Deferral  Election") on an annual basis to defer delivery of the
Stock Retainer  specifying which one of the following ways the Stock Retainer is
to be delivered  (a) on the date which is three years after the  Effective  Date
for which it was originally payable (the "Third  Anniversary"),  (b) on the date
upon which the Participant  ceases to be a Director or Consultant for any reason
(the "Departure  Date") or (c) in five equal annual  installments  commencing on
the Departure  Date (the "Third  Anniversary"  and  "Departure  Date" each being
referred to herein as a "Delivery Date"). Such Deferral Election
<PAGE>

                                       12

shall remain in effect for each Subsequent  Year unless changed,  provided that,
any Deferral  Election with respect to a particular Year may not be changed less
than six months prior to the beginning of such Year, and provided, further, that
no more than one  Deferral  Election or change  thereof may be made in any Year.
Any Deferral  Election  and any change or  revocation  thereof  shall be made by
delivering  written  notice  thereof to the  Committee  no later than six months
prior to the beginning of the Year in which it is to be effected; provided that,
with respect to the Year beginning on the Effective Date, any Deferral  Election
or  revocation  thereof must be delivered no later than the close of business on
the 30th day after the Effective Date.

5.4 DEFERRED STOCK ACCOUNTS. The Company shall maintain a Deferred Stock Account
for each  Participant who makes a Deferral  Election to which shall be credited,
as of the  applicable  Payment  Time,  the number of shares of the Common  Stock
payable pursuant to the Stock Retainer to which the Deferral  Election  relates.
So long as any amounts in such Deferred Stock Account have not been delivered to
the Participant under 2 Paragraph 8 hereof, each Deferred Stock Account shall be
credited as of the payment date for any dividend paid or other distribution made
with  respect to the Common  Stock,  with a number of shares of the Common Stock
equal to (a) the number of shares of the  Common  Stock  shown in such  Deferred
Stock Account on the record date for such dividend or distribution multiplied by
(b) the Dividend Equivalent for such dividend or distribution.

5.5  DELIVERY  OF SHARES (a) The shares of the Common  Stock in a  Participant's
Deferred  Stock Account with respect to any Stock  Retainer for which a Deferral
Election has been made  (together  with  dividends  attributable  to such shares
credited to such Deferred Stock  Account) shall be delivered in accordance  with
this  Paragraph 8 as soon as  practicable  after the  applicable  Delivery Date.
Except with respect to a Deferral  Election  pursuant to Paragraph 6 hereof,  or
other agreement between the parties, such shares shall be delivered at one time;
provided that, if the number of shares so delivered includes a fractional share,
such  number  shall be rounded to the  nearest  whole  number of shares.  If the
Participant  has in effect a Deferral  Election  pursuant to Paragraph 6 hereof,
then such shares shall be delivered in five equal annual installments  (together
with  dividends  attributable  to such shares  credited to such  Deferred  Stock
Account),  with  the  first  such  installment  being  delivered  on  the  first
anniversary  of the Delivery  Date;  provided that, if in order to equalize such
installments,  fractional  shares would have to be delivered,  such installments
shall be adjusted by rounding to the nearest whole share. If any such shares are
to be delivered after the  Participant  has died or become legally  incompetent,
they shall be delivered to the  Participant's  estate or legal guardian,  as the
case may be, in accordance with the foregoing; provided that, if the Participant
dies with a Deferral  Election  pursuant to  Paragraph  6 hereof in effect,  the
Committee shall deliver all remaining  undelivered  shares to the  Participant's
estate immediately.  References to a Participant in this Plan shall be deemed to
refer to the Participant's estate or legal guardian, where appropriate.  (b) The
Company may, but shall not be required to,  create a grantor trust or utilize an
existing  grantor trust (in either case,  "Trust") to assist it in  accumulating
the shares of the Common  Stock  needed to fulfill  its  obligations  under this
Paragraph 8. However, Participants shall have no beneficial or other interest in
the Trust and the assets  thereof,  and their rights under this Plan shall be as
general creditors of the Company, unaffected by the existence or nonexistence of
the Trust,  except that deliveries of Stock  Retainers to Participants  from the
Trust shall,  to the extent  thereof,  be treated as  satisfying  the  Company's
obligations under this Paragraph 5.5.

5.6  SHARE  CERTIFICATES;  VOTING  and OTHER  RIGHTS.  The  certificates  shares
delivered to a Participant  pursuant to Paragraph 8 above shall be issued in the
name of the  Participant,  and from and  after  the  date of such  issuance  the
Participant shall be entitled to all rights of a stockholder with respect to the
Common Stock for all such shares issued in his name, including the right to vote
the  shares,   and  the  Participant  shall  receive  all  dividends  and  other
distributions paid or made with respect thereto.

5.6  ANTI-DILUTION.  In the event the Stock  subject  to  Options  hereunder  is
changed  into or  exchanged  for a  different  number  or kind of stock or other
securities  of the  Company  or of  another  organization  by reason of  merger,
consolidation   or    reorganization,    re-capitalization,    reclassification,
combination of shares, stock split or stock dividend;

(a) The  aggregate  number of shares of Stock  subject  to  Options  that may be
granted hereunder shall be adjusted appropriately;

(b) Rights under outstanding Options granted hereunder, both as to the number of
subject shares and the Option price, shall be adjusted appropriately;

(c)  Where   dissolution  or  liquidation  of  the  Company  or  any  merger  or
consolidation  in which the Company is not a surviving  corporation is involved,
each  outstanding  Option shall  terminate and the Optionee  holding such Option
shall have the right immediately prior to such dissolution,  liquidation, merger
or combination  to exercise his Option,  in whole or in part, to the extent that
it shall not have been  exercised  without  regard to any  installment  exercise
provision.

The manner of application of the foregoing  provision shall be determined solely
by the  Committee and any such  adjustment  may provide for the  elimination  of
fractional share interests.

<PAGE>
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                                   ARTICLE VI

                                OPTION PROVISIONS

6.1 OPTIONS.

(a) The Board of  Directors or the  Committee  may grant  additional  options to
Directors and Consultants,  setting forth such terms,  conditions,  and exercise
schedules as may be determined by the Committee or Board of Directors.

(b) Each Option granted  hereunder shall be evidenced by minutes of a meeting of
or the written  consent of the  Committee  and by a written  Stock  Option Grant
dated as of the date of Grant and  executed  by the  Company  and the  Optionee,
which Grant shall set forth such terms and  conditions  as may be  determined by
the Committee consistent with the Plan.

6.2 LIMITATIONS. The Options granted hereunder are non-statutory Options that do
not satisfy the  requisites  of Section 422 of the  Internal  Revenue  Code,  as
amended.

6.3  OPTION  PRICE.  The per share  Option  price for the stock  subject to each
Option shall be determined by the  Committee,  but the per share  exercise price
shall not be less than the fair market value of the Stock on the date the Option
is granted.

6.4 OPTION PERIOD. Each Option granted hereunder must be granted within ten (10)
years from the effective  date of the Plan.  The period for the exercise of each
Option  shall be  determined  by the  Committee,  but in no instance  shall such
period exceed ten (10) years from the date of Grant of the Option. The Committee
may prescribe  such period after the grant of an Option which must expire before
such Option may be exercised as the Committee deems appropriate.

6.5 OPTION EXERCISE.

(a) Options granted hereunder may not be exercised until and unless the Optionee
shall meet the  conditions  precedent  established by the Committee for Officers
and Directors.

(b) Options may be exercised by Directors and Consultants for whole shares only.
Optionees  may exercise  their Option in whole at any time, or in part from time
to time in each year on a cumulative  basis with any portion not exercised to be
carried over for exercise in subsequent years.

Options  shall be exercised  by written  notice of intent to exercise the Option
with  respect to a specified  number of shares  delivered  to the Company at its
principal office and payment in full to the Company at said office of the amount
of the Option price for the number of shares with respect to which the Option(s)
are then being exercised.

(c) No Option may be exercised by any Optionee unless a registration  statement,
such as form S-8,  covering  the Stock  subject  thereto has been filed with and
declared effective by the Securities and Exchange  Commission and an appropriate
registration or exemption  therefrom,  is in effect or available in the state of
residence of the exercising Optionee.

6.6 NON-TRANSFERABILITY OF OPTION. No Option or any right relative thereto shall
be transferred  by an Optionee  otherwise than by will or by the laws of descent
and distribution or by written permission of the Committee.  During the lifetime
of an Optionee, the Option shall be exercisable only by him or her.

6.7 EFFECT OF DEATH OR OTHER TERMINATION OF RELATIONSHIP.

(a) The exercise schedule for Non-Statutory Stock Options following termination,
death or total and permanent  disablement  of the Optionee will be determined by
the Committee at the time of grant.

(b) No transfer of an Option by the  Optionee by will or the laws of descent and
distribution  shall be  effective to bind the Company  unless the Company  shall
have been furnished with a written notice thereof and an  authenticated  copy of
the will  and/or such other  evidence as the  committee  may deem  necessary  to
establish the validity of the transfer and the  acceptance by the  transferee or
transferees of the terms and conditions of such Option.

6.8 RIGHTS AS A SHAREHOLDER/VESTING OF OPTIONS.

(a) An  Optionee  or a  transferee  of an  Option  shall  have  no  rights  as a
shareholder of the Company with respect to any shares subject to any unexercised
Options.
<PAGE>

                                       14

(b)  Non-Statutory  Stock  Options  are  exercisable  once  vested.  The vesting
schedule for  Non-Statutory  Stock  Options will be  determined by the Committee
when granted.

6.9 REQUIRED  FILINGS.  An Optionee to whom an Option is granted under the terms
of the Plan is required to file  appropriate  reports  with the  Securities  and
Exchange  Commission  and the Internal  Revenue  Service.  As a condition of the
receipt of an Option  hereunder,  Optionees  shall  agree to make the  necessary
filings.  The Company shall assist and cooperate with Optionees by providing the
necessary information required for compliance of this condition.

                                   ARTICLE VII

                               STOCK CERTIFICATES

The Company shall not be required to issue or deliver any certificate for shares
of Stock  purchased  upon the exercise of any Option granted  hereunder,  or any
portion  thereof,  prior to the obtaining of any approval or clearance  from any
federal or state  governmental  agency which the  Committee  shall,  in its sole
discretion, determine to be necessary or advisable.

                                  ARTICLE VIII

               TERMINATION, AMENDMENT, OR MODIFICATION OF THE PLAN

The Board may at any time, upon recommendation of the Committee,  terminate, and
may at any time and from time to time and in any  respect  amend or  modify  the
terms of the Options  granted under the Plan. If the Plan has been  submitted to
and approved by the shareholders of the Company,  no such action by the Board or
the Committee may be taken without  approval of the majority of the shareholders
of the Company which:  (a) increases the total number of shares of Stock subject
to the Plan,  except as  contemplated  in Section  5.3  hereof;  (b) changes the
manner of determining the Option price; or (c) withdraws the  administration  of
the Plan from the Committee.

                                   ARTICLE IX

                                   EMPLOYMENT

9.1  EMPLOYMENT.  Nothing in the Plan or any Option granted  hereunder or in any
Stock Option  Grant shall confer upon a  non-employee  Director  receiving  such
Option or Stock Option Grant the status as an employee of the Company.  Further,
nothing in the Plan or any Option granted  hereunder  shall in any manner create
in any Optionee  the right to continue  their  relationship  with the Company or
create any vested interest in such relationship, including employment.

9.2 OTHER  COMPENSATION  PLANS.  The  adoption  of the Plan shall not affect any
other stock  option,  incentive,  or other  compensation  plan in effect for the
Company or any of its  subsidiaries,  nor shall the Plan preclude the Company or
any subsidiary  thereof from  establishing any other forms of incentive or other
compensation  for  employees or  non-employee  Directors of the Company,  or any
subsidiary thereof.

9.3 PLAN EFFECT.  The Plan shall be binding upon the  successors  and assigns of
the Company.

9.4 TENSE. When used herein nouns in the singular shall include the plural.

9.5  HEADINGS OF  SECTIONS  ARE NOT PART OF THE PLAN.  Headings of articles  and
sections  hereof are inserted for  convenience  and reference and  constitute no
part of the Plan.

IN WITNESS WHEREOF, this Plan has been executed effective as of April 7, 2004.

                            M.B.A. Holdings, Inc.

                            By  /s/  Gaylen M. Brotherson
                                Gaylen M. Brotherson, Chief Executive Officer15

                                   EXHIBIT 4.3

                              M.B.A. HOLDINGS, INC.

_________________________ (Optionee's Name)               STOCK OPTION AGREEMENT

THIS STOCK OPTION  AGREEMENT  ("Agreement")  is made and entered into this ___st
day of _________,  200 ("Grant Date"), by and between M.B.A.  Holdings,  Inc., a
Nevada   corporation  (the   "Company"),   and   ________________________   (the
"Optionee").

                                    RECITALS

The Company,  through its Board of Directors (the "Board"),  has determined that
in order to attract and retain the best  available  personnel  for  positions of
substantial  responsibility  to provide  successful  management of the Company's
business,  it must offer a  compensation  package that provides key employees of
the Company an  opportunity  to  participate  financially  in the success of the
Company by developing an equity interest in it. By this  Agreement,  the Company
and the Optionee desire to establish the terms upon which the Company is willing
to grant to the Optionee,  and upon which the Optionee is willing to accept from
the  Company,  an option to  purchase  shares  of  common  stock of the  Company
("Common Stock").

IN  CONSIDERATION of the promises and of the mutual  agreements  hereinafter set
forth, the parties agree as follows:

1.  Grant of  Incentive  Stock  Option.  Subject  to the  terms  and  conditions
hereinafter  set forth,  the Company grants to the Optionee the right and option
(the  "Option")  to purchase  from the  Company all or any part of an  aggregate
number of ___________________________  (__________) shares of Common Stock, at a
purchase  price of $0.00  per  share,  such  price  being not less than the Fair
Market Value of the Stock as of the date hereof. The Option hereby granted is to
be exercised in the manner and subject to the conditions hereinafter provided.

2. Time of Exercise of Option.  Once the shares  issuable  under this Option are
vested  according  to the  schedule in  Paragraph  3 hereof,  this Option may be
exercised by Employee for whole shares only. Employees may exercise their Option
for vested  shares in whole at any time,  or in part from time to time,  in each
year on a cumulative basis commencing on ________________,  with any portion not
exercised  to  be  carried  over  for   exercise  in   subsequent   years  until
______________, at which time any unexercised portion hereof shall expire.

3. Vesting of Options;  Exercise. This Option is exercisable once vested. Twenty
percent (20%) of the shares  issuable  under the  Incentive  Stock Options shall
vest six months from date of Grant  provided  that the  Optionee has remained an
Employee of the Company for not less than six months from date of Grant,  twenty
percent (20%) of the shares  issuable  under the  Incentive  Stock Options shall
vest one year from date of Grant provided that Optionee has remained an Employee
of the  Company  for not  less  than one year  from the date of  Grant,  and the
remaining  sixty percent (60%) of the shares  issuable under the Incentive Stock
Options  shall vest at the rate of twenty  percent (20%) per year on the second,
third and fourth  anniversary  of the date of Grant  provided  that Optionee has
remained an Employee of the Company for the entire vesting period. Otherwise the
options shall lapse

4. Method of Exercise.  This Option may be exercised by Employee  giving written
notice to the Company at its principal place of business  accompanied by a check
in payment of the  purchase  price for the Stock as to which the Option is being
exercised.  the Company shall make prompt delivery of such Stock,  provided that
if any law or regulation requires the Company to take any action with respect to
the Stock as to which the Option is being  exercised,  the date of  delivery  of
such Stock shall be extended for the period necessary to take such action.

5. Termination of Option.  Except as otherwise stated herein,  the Option hereby
granted shall terminate as follows:

(a) If the Optionee's  continuous  employment with the Company, or an affiliated
company,  shall  be  terminated,  with or  without  cause,  or by the act of the
Employee,  the  Optionee's  right to exercise  the vested  shares of this Option
shall terminate and all rights thereunder shall cease three (3) months after the
date on which such person's association is terminated

(b) In the event of an Employee's  death or permanent and total disability while
in the employ of the  Company,  the  disabled  Employee  or his or her  personal
representatives  may  exercise  the vested  shares of this Option in full at any
time  within one (1) year  following  the date of an  Employee's  disability  or
death.

6. Limitations - Grant as Non-Qualified  Option. This option is intended to be a
non-qualified  stock option in  accordance  with the terms of Section 422 of the
Internal Revenue Code of 1986, as amended.

7. Reclassification,  Consolidation or Merger. In the event the Stock subject to
Options hereunder is changed into or exchanged for a different number or kind of
stock or other securities of the Company or of another organization by reason of
merger,  consolidation or  reorganization,  recapitalization,  reclassification,
combination of shares,  stock split or stock dividend,  the aggregate  number of
shares of Stock  subject to this  Option and the  Option  price for such  shares
shall be proportionately adjusted.
<PAGE>

                                       16

8.  Rights  Prior  to  Exercise  of  Option.   The  Option  hereby   granted  is
non-transferable by Employee except as otherwise provided in Paragraph 5 hereof.
During the lifetime of Employee, the Options hereby granted shall be exercisable
only by the  Employee.  Employee  shall have no rights as a  shareholder  in the
shares of Stock  purchasable  pursuant to Options hereunder until payment of the
purchase price and delivery.

9.  Registration of Common Stock.  The Company shall promptly cause  appropriate
securities  registration  statements  to be filed  with  respect  to the  shares
underlying  the Option so that upon  exercise  of the Option,  the Common  Stock
received may be freely tradable.

10.  Transferability  of Stock.  Any sale or  transfer  of the  Stock  purchased
pursuant to this Option must be in accordance with applicable  federal and state
securities laws.

11. Binding Effect.  This Agreement shall be binding upon the heirs,  executors,
administrators and successors of the parties hereto.

12. Tax  Considerations.  Issuance  or exercise of this Option may result in tax
implications.

IN WITNESS WHEREOF, the Company has caused this instrument to be executed by its
duly authorized officer, and the Optionee has hereunto affixed his signature.

M.B.A. HOLDINGS, INC., a Nevada corporation

                   By:      /s/ Gaylen M. Brotherson
                           ------------------------------------
                            Gaylen M. Brotherson
                   Its:     Chairman and Chief Executive Officer

Optionee:

                             (Optionee's Signature)

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