Document:

Annual Incentive Bonus
Program 

Performance Criteria 

The following performance criteria
will be used as measurements in the Annual Incentive Bonus Program. First Business
Financial Services, Inc. (the “Company”) and each subsidiary entity
(“entity”) except First Business Trust & Investments will use the following
three performance criteria. First Business Trust & Investments will use two criteria,
Net Income and Adjusted Net Income. The performance criteria used by the Company and each
entity will be equally weighted in determining overall performance. 

	• 	Return
on Equity or Return on Assets: Return on Equity will be used by the Company and Return on
Assets will be used by the entities. 

	•  	Net
Income 

	•  	Adjusted
Net Income 

	 	° 	Company:
 Net income pre-tax, pre-provision, after actual net charge offs

	 	° 	Entity:
 Net income pre-tax, pre-allocation, pre-provision, after actual net charge offs

Targeted Base Salary
Percentage 

The targeted base salary percentage
for bonus payment at three possible achievement levels (Threshold, Target and Superior)
for each employment level within the Company shall be determined by the Company Board,
acting upon the recommendation of the Compensation Committee. If targeted percentages for
any employment level shall be based on a range, then the percentage for each participating
individual within such level shall be determined by the Compensation Committee or
management, as appropriate. The targeted base salary percentages for each participating
individual shall be promptly communicated to such individual. 

Mix of the Payout 

	

	
	Company
	Entity

	Company Employees	100%	n/a
	

	Entity Employees	25%	75%
	

*Based on FBFS ROE only. 

Safeguards 

Adjusted Net Income percentage is
self-funding. 
Net Income After Tax must meet or exceed
the aggregate bonus payment. 

Eligibility 

Employees must work a minimum of 30
hours per week to qualify for the bonus program. 

Employees must be hired by October 1
of any year the plan is in effect to be eligible for the Bonus Program. All employees must
be employed on the date of payout to receive their bonus. 

If an employee is promoted before
October 1 of any year the plan is in effect, then that employee will be eligible for the
bonus percentage that is commensurate with their new position for that year. 

If an employee transfers between
entities or between the Company and an entity on or after July 1 of any year the plan is
in effect, then that employee’s bonus will be calculated based on the performance of
the entity or the Company that they were employed in prior to the transfer. 

The entity President and the Company
CEO may approve redistribution of bonus dollars to eligible participants within the entity
or the Company as circumstances and individual performance warrant. Section 16 Officers
are not eligible for any redistributed bonus dollars under this provision. 

Approved: April 10, 2009exh10-13_note.htm

     

    
      

      

    

     

     

     

     

     

    EXHIBIT 10.13

     

    PROMISSORY NOTE TO LINDA NYE

    
 

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    THE SECURITIES REPRESENTED BY THIS NOTE
HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE “ACT”) OR APPLICABLE
STATE SECURITIES LAWS (THE “STATE ACTS”), AND
SHALL NOT BE SOLD, PLEDGED, HYPOTHECATED, DONATED, OR OTHERWISE TRANSFERRED
(WHETHER OR NOT FOR CONSIDERATION) BY THE HOLDER EXCEPT UPON THE ISSUANCE TO THE
CORPORATION OF A FAVORABLE OPINION OF ITS COUNSEL OR SUBMISSION TO THE
CORPORATION OF SUCH OTHER EVIDENCE AS MAY BE SATISFACTORY TO COUNSEL FOR THE
CORPORATION, TO THE EFFECT THAT ANY SUCH TRANSFER SHALL NOT BE IN VIOLATION OF
THE ACT AND THE STATE ACTS.

     

    WORLDWIDE
STRATEGIES INCORPORATED

    A
Nevada Corporation

    April
6, 2009

     

    WORLDWIDE STRATEGIES INCORPORATED, a
Nevada corporation (the “Corporation”), is
indebted and, for value received, promises to pay to the order of MRS. LINDA NYE, on June 30, 2009 (the “Due Date”), (unless
this Note shall have been sooner prepaid as herein provided), upon presentation
of this Note, Ten Thousand
Dollars ($10,000.00) (the “Principal Amount”)
and to pay interest on the Principal Amount at the rate of nine percent (9%) per
annum as provided herein until this Note is paid in full.

    

    The Corporation covenants, promises and
agrees as follows:

     

    1.           Interest.  Interest
that shall accrue on the Principal Amount shall be payable on the Due Date.

     

    2.           Prepayment.  The
Corporation may prepay this Note without notice by paying to the Holder the
entire outstanding Principal Amount and all accrued but unpaid interest on this
Note.

    

    3.           Default.

     

    3.1.       The
entire unpaid and unredeemed balance of the Principal Amount and all Interest
accrued and unpaid on this Note shall, at the election of the Holder, be and
become immediately due and payable upon the occurrence of any of the following
events (a “Default
Event”):

     

    (a)           The
non-payment by the Corporation when due of principal and interest as provided in
this Note or with respect to any other Note issued by the
Corporation.

     

    (b)           If
the Corporation (i) applies for or consents to the appointment of, or if there
shall be a taking of possession by, a receiver, custodian, trustee or liquidator
for the Corporation or any of its property; (ii) becomes generally unable to pay
its debts as they become due; (iii) makes a general assignment for the benefit
of creditors or becomes insolvent; (iv) files or is served with any petition for
relief under the Bankruptcy Code or any similar federal or state statute; (v)
has any judgment entered against it in excess of $3,000,000 in any one instance
or in the aggregate during any consecutive 12 month period or has any attachment
or levy made to or against any of its property or assets; (vi) defaults with
respect to any evidence of indebtedness or liability for borrowed money, or any
such indebtedness shall not be paid as and when due and payable; or (vii) has
assessed or imposed against it, or 

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    if there
shall exist, any general or specific lien for any federal, state or local taxes
or charges against any of its property or assets.

     

    3.2.       Each
right, power or remedy of the Holder hereof upon the occurrence of any Default
Event as provided for in this Note or now or hereafter existing at law or in
equity or by statute shall be cumulative and concurrent and shall be in addition
to every other right, power or remedy provided for in this Note or now or
hereafter existing at law or in equity or by statute, and the exercise or
beginning of the exercise by the Holder or transferee hereof of any one or more
of such rights, powers or remedies shall not preclude the simultaneous or later
exercise by the Holder hereof of any or all such other rights, powers or
remedies.

     

    4.           Failure to Act and
Waiver.  No failure or delay by the Holder hereof to insist
upon the strict performance of any term of this Note or to exercise any right,
power or remedy consequent upon a default hereunder shall constitute a waiver of
any such term or of any such breach, or preclude the Holder hereof from
exercising any such right, power or remedy at any later time or
times.  The failure of the Holder of this Note to give notice of any
failure or breach of the Corporation under this Note shall not constitute a
waiver of any right or remedy in respect of such continuing failure or breach or
any subsequent failure or breach.

     

    6.           Governing Law and Consent to
Jurisdiction.  This Note shall be governed by and construed and
enforced in accordance with the laws of the State of Colorado, or, where
applicable, the laws of the United States.  The Corporation hereby
agrees and consents that any action, suit or proceeding arising out of this Note
may be brought in any appropriate court in the State of Colorado, including the
United States District Court for the District of Colorado, or in any other court
having jurisdiction over the subject matter, all at the sole election of the
Holder hereof, and by the issuance and execution of this Note the Corporation
irrevocably consents to the jurisdiction of each such court.

     

    7.           Transfer.  This
Note shall be transferred on the books of the Corporation only by the registered
Holder hereof or by his/her attorney duly authorized in writing or by delivery
to the Corporation of a duly executed Assignment substantially in the form
attached hereto as Exhibit A.  The Corporation shall be entitled to
treat any holder of record of the Note as the holder in fact thereof and shall
not be bound to recognize any equitable or other claim to or interest in this
Note in the name of any other person, whether or not it shall have express or
other notice thereof, save as expressly provided by the Laws of
Colorado.

     

    8.           
Notices.  All
notices and communications under this Note shall be in writing and shall be
either delivered in person or accompanied by a signed receipt therefor or mailed
first-class United States certified mail, return receipt requested, postage
prepaid, and addressed as follows: if to the Corporation, to 3801 East Florida
Avenue, Suite 400, Denver, Colorado 80210 and, if to the holder of this Note, to
the address of such holder as it appears in the books of the
Corporation.  Any notice of communication shall be deemed given and
received as of the date of such delivery or mailing.

    

    

    [Intentionally
Left Blank]

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    IN
WITNESS WHEREOF, the Corporation has caused this Note to be duly executed under
its corporate seal.

    

    ATTEST:                                                                           WORLDWIDE
STRATEGIES INCORPORATED

     

     

    By:      /s/ James
P.
Samuels                   

    James P.
Samuels

    CEO

    

    

    

    

    

    

    

    

    

    Exhibit
A

     

    ASSIGNMENT

     

    FOR VALUE RECEIVED, the undersigned
hereby assigns to ___________________________________, the Note of WORLDWIDE
STRATEGIES INCORPORATED, and hereby irrevocably appoints
______________________________, Attorney, to transfer said Note on the books of
the within named corporation, with full power of substitution in the
premises.

    

    WITNESS my hand and seal this ____ day
of __________________, 2009.

    

    

    _________________________________

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