Document:

================================================================================
Exhibit 10.5

                        Wholesale Distribution Agreement

This agreement ("Agreement") is entered into:

BETWEEN:          Becoming Art Inc. of 867 West 8th Avenue, Vancouver, British
                  Columbia, V5Z 1 E3, represented by Mike Hanson

(Herein called the Wholesaler)

AND:
                  Made  in Art  of  4095  Saint-Laurent  Boulevard,  Montreal,
                  Quebec,  H2W  1Y7, represented by its President, David Farsi,

(Herein called the Company)

WHEREAS, the Company sells a collection of numerical images by David Farsi and
related products;

WHEREAS, the Wholesaler is in the business of reselling art work to purchasing
departments and retailers;

THEREFORE,  in consideration of the following conditions set for this Agreement,
the parties agree to the following.

1.       DEFINITIONS

"Customer" means an end user of a Product.

"Products"  means  the  image  sizes  made  available  by  the  Company  to  its
wholesalers,  distributors and resellers, a list of which is attached as Exhibit
A. A Product may be a numerical image (piece,  of art), a standard product (such
as a frame) or any combination of those.

2.       TERMS

2.1 Appointment

The Company hereby  appoints the  Wholesaler,  and the  Wholesaler  accepts such
appointment,  to act as a wholesaler of Products towards Purchasing  Departments
and Retailers which resell Products to their own Customers.  Sale of Products to
other  wholesalers  or  wholesaler's  affiliates  is  strictly  prohibited.  The
wholesaler  will only sell the  Products  to his  Retail  Network,  and will not
market  or sell the  Products  using any  Internet  site or mail  order  catalog
without specific: written authorization from the Company.

2.2 Wholesale prices

The wholesale  prices paid by the Reseller to the Company for Products  shall be
as set forth in Exhibit A. The  Company  shall have the right,  at any time,  to
change, alter, or amend Product prices upon written notice. Prices are exclusive
of all taxes,  insurance,  and  shipping  and  handling  charges,  which are the
Wholesaler's sole responsibility.

<page>

3.       PRODUCT SAMPLES AND SELLING TOOLS

The  Wholesaler is provided by the Company a set of Products and selling  tools,
as  described  in  Exhibit  B,  to be  used  in the  sole  purpose  of  showing,
demonstrating and selling the Product.

Such product  samples and selling  tools are of the sole  responsibility  of the
Wholesaler.

In case of breach of this Agreement, and upon written request of the Company, or
upon termination of this Agreement,  the Wholesaler shall return the products in
good condition to the Company.

4.         ORDERING AND PAYMENT PROCESS

4.1 Processing of orders

Orders shall be taken by the Wholesaler from his Clients and forwarded via email
to both the company and the Company Representative namely Craig Hartman.

The Company  Representative  shall be responsible for  acknowledging  receipt of
order and obtaining acceptance and terms of delivery from the Company.

Products will be delivered by specified  courier with a specified  delivery time
to be  forwarded to the  Wholesaler  or  available  for pick-up  within five (5)
working days from receipt of order and payment by  Wholesaler  of fifty  percent
(50%) of the  order  total  value.  Balance  upon  delivery  and  inspection  of
product(s).

4.2 Shipment

All freight,  insurance and other shipping expenses from Delivery Point, as well
as any expenses related to the Wholesaler or Retailer's special packing requests
will be borne by the  Wholesaler  or  Retailer  unless  otherwise  agreed  to in
writing by the Company.

4.3 Payments

Terms of payment shall be agreed upon for every order taken.  First orders taken
will necessarily require a down payment equivalent to forty percent (40%) of the
total order value: balance of payment on those orders will be due and payable by
Wholesaler in full C.O.D. upon receipt or pick-up.

Payments  shall be done  directly by  Wholesaler to the Company using one of the
following means: wire transfer, direct deposit or credit card.

5.         DEFECTIVE PRODUCT RETURNS

Returns of defective  Products  will be accepted by the Company when the Company
authorized carriers are used. Return shipment charges via unauthorized  carriers
and all customs or broker's  fees are the  responsibility  of the  Wholesaler or
Retailer.  The Company  reserves the right to charge back to the  Wholesaler  or
Retailer  shipping  charges  incurred on those  Products  which were returned as
defective and no fault was found.

6.         WHOLESALER'S OBLIGATIONS

6.1 Exhibition and promotion

The Wholesaler  agrees (i) to clearly  present the Products as "David Farsi" art
or such other title as may  correspond to the standards of the Company,  (ii) to
transport,  handle,  care for, and display the  Products in a manner  consistent
with the quality of the Products,  (iii) to assure that retailers maintain their
Exhibit Outlet as a first-class  facility,  and (iv) to aggressively  market the
Products.

<page>

6.2 Wholesaler's covenants

The Wholesaler will: (i) conduct business in a manner that reflects favorably at
all times on Products and the good name, goodwill and reputation of the Company;
(ii) avoid deceptive or misleading practices that are or might be detrimental to
the  Company  or the  Company  Products;  (iii)  make  no  false  or  misleading
representations  with regard to the Company or the  Company  Products;  (iv) not
publish  or  cooperate  in  the  publication  of  any  misleading  or  deceptive
advertising material with regard to the Company or the Company Products;

6.3 Insurance

The Wholesaler shall, at his own expense,  keep in force insurance  coverage for
all the Products  given to him by the Company,  for the  wholesale  value of the
Products as stipulated  in Exhibit A, or any  subsequent  document,  without any
deductions for  depreciation,  which  insurance  shall also be fully valid until
complete  payment of the Products in consignment  or return to the Company.  The
foregoing  insurance  policy shall include coverage against all risk of physical
loss or damage  from any  external  cause  while in transit and on location in a
retail outlet during the consignment period. Such insurance policy shall contain
a waiver of subrogation in favor of the Company.

6.4 Use of trademarks and proprietary notices

During the term of this Agreement, the Wholesaler may use the trademarks,  trade
names,  logos and  designations  used by the Company  for the  Company  Products
solely  in  connection  with the  advertisement  and  promotion  of the  Company
Products,  and in accordance  with the Company's  then-current  trademark  usage
policies.  The  Wholesaler  shall not remove or destroy  and shall  assure  that
Retailers do not remove or destroy any  copyright  notices,  trademarks or other
proprietary markings on the Products or any materials related to the Products.

6.5 Intellectual property

The  Company  does not  consent  to any form of  reproduction  of the  Products.
Notwithstanding  the above,  the  Company  consents to  photography,  filming or
videotaping of the Products for use by the Wholesaler in advertising,  promotion
and merchandising the Products.  It is understood that the Products are works of
art, and that the International Law on Copyrights applies in its entirety and at
anytime.

7.                TERM AND TERMINATION

7.1 Term

This  Agreement  shall commence on the Effective Date and continue for three (3)
years thereafter unless terminated earlier as provided herein.

7.2 Termination without cause

The Wholesaler or the Company may terminate this Agreement without cause, at any
time, by written  notice to the other party not less than ninety (90) days prior
to the effective date of termination.

7.3 Termination for breach

The Company may terminate this  Agreement,  for cause,  by written notice to the
Wholesaler  not less,  than ten (10) days  prior to the  effective  date of such
notice in the event  that:  (i) the  Wholesaler  fails to pay past due  invoices
within  thirty  (30) days after  notice  that  invoices  are past due;  (ii) the
Wholesaler  violates any other material  provision of this  Agreement;  or (iii)
control of the Wholesaler is acquired,  directly or indirectly, by a third party
or the  Wholesaler  is merged  with a third  party.  Upon  giving  its notice of
termination,  the Company may alter its terms of sale,  including payment terms,
and take such other action as may be  consistent  with the  termination  of this
Agreement.

<page>

7.4 Termination for insolvency

At the option of the Company or the  Wholesaler,  this agreement shall terminate
immediately if: (I) a receiver is appointed for the other party or its property;
(ii) the other party becomes insolvent or unable to pay its debts as they mature
or ceases to pay its debts as they mature in the ordinary course of business, or
makes an assignment  for the benefit of  creditors;  (iii) any  proceedings  are
commenced by or for the other party under any bankruptcy, insolvency or debtors'
relief law; or (iv) the other party commences to dissolve under applicable law.

All amounts  payable by the Wholesaler to the Company shall survive  termination
and become immediately due and payable. In addition,  the Company shall have the
right to repurchase unsold Products in the Wholesaler's inventory.

       8.         WARRANT DISCLAIMER

     THE COMPANY MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE PRODUCTS.  ALL
     IMPLIED  WARRANTIES  AND  CONDITIONS,  INCLUDING BUT NOT LIMITED TO IMPLIED
     WARRANTIES  OF  MERCHANTABILITY,  FITNESS FOR A PARTICULAR  PURPOSE AND NON
     INFRINGEMENT, ARE HEREBY DISCLAIMED.

     9.           LIMITATION OF LIABILITY

     THE LIABILITY OF THE COMPANY  ARISING OUT OF OR RELATING TO THIS  AGREEMENT
     OR THE SUPPLY OF PRODUCTS HEREUNDER, SHALL BE LIMITED TO THE ACTUAL AMOUNTS
     PAID BY THE  WHOLESALER  TO THE COMPANY FOR THE  PRODUCTS,  AND SHALL IN NO
     EVENT  INCLUDE  LOSS OF  PROFITS,  COST OF  PROCURING  SUBSTITUTE  GOODS OR
     SERVICES, OR ANY INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND,
     EVEN IF THE  COMPANY OR ITS  SUPPLIER IS AWARE OF THE  POSSIBILITY  OF SUCH
     DAMAGES.

     10.          GENERAL

     10.1 Assignment

     Neither party may assign, delegate, or transfer the Agreement or any of its
     rights or duties hereunder,  without the prior written consent of the other
     party. Any attempted  assignment or delegation in violation of this section
     shall be void. The  provisions of this Agreement  shall be binding upon and
     inure  to the  benefit  of the  parties,  their  successors  and  permitted
     assigns.  Notwithstanding the foregoing,  the Company may assign its rights
     and duties hereunder in connection with a merger, consolidation,  corporate
     reorganization, acquisition, or sale of all or substantially all the assets
     of the Company.

     10.2 Governing law

     This agreement shall be governed by the laws of the Province of Quebec.

     10.3 Independent contractors

     In performing  their  respective  duties under this Agreement,  each of the
     parties will be operating as an independent  contractor.  Nothing contained
     herein will in any way constitute any  association,  partnership,  or joint
     venture  between the  parties  hereto,  or be  construed  to  evidence  the
     intention of the parties to establish any such relationship.  Neither party
     will  have the power to bind the other  party or incur  obligations  on the
     other party's behalf without the other party's prior written consent.

<page>

     10.4 Modification and waiver

     No modification to this  Agreement,  nor any waiver of any rights,  will be
     effective unless assented to in writing by the party to be charged, and the
     waiver of any breach or default shall not  constitute a waiver of any other
     right hereunder or any subsequent breach or default.

     10.5 Notices

     Any required or permitted notices hereunder must be given in writing at the
     address of each party set forth below,  or to such other  address as either
     party  may  substitute  by  written  notice  to the  other  in  the  manner
     contemplated  herein,  by one  of the  following  methods:  hand  delivery;
     registered,  express, certified mail, or facsimile.  Notices will be deemed
     given on the date received.

     10.6 Severability

     If for any reason any provision of this Agreement  shall be held by a court
     of competent  jurisdiction  to be invalid or  unenforceable,  the remaining
     provisions of this Agreement shall remain in full force and effect.

     10. 7 Limitation of action

     Any legal  action  arising  out of this  Agreement  shall be barred  unless
     commenced  within one (1) year of the act or  omission  giving  rise to the
     action. Such limitation shall not apply to any actions asserted against the
     reseller  by the  Company  arising  from any  delinquencies  In payment for
     Products.

     10.8 Entire agreement

     This Agreement and the exhibits  attached hereto  constitute the entire and
     exclusive  agreement between the parties hereto with respect to the subject
     matter hereof and supersede any prior  agreements  between the parties with
     respect to such subject matter.

     IN WITNESS  WHEREOF,  the parties have caused this Agreement to be executed
     by their respective authorized representatives as of the Effective Date.

     Accepted and agreed as of today, November 28, 2003

     /s/ Mike Hanson
     --------------------------
     Becoming Art Inc.
     Represented by Mike Hanson

     /s/ David Farsi
     --------------------------
     Made In Art
     Represented by David Farsi

<page>

                                    EXHIBIT A

                            PRODUCTS & PRICING POLICY
                         DAVID FARSI'S NUMERICAL IMAGES

                Products                              Per unit
                                                      wholesale
                                                        price
             12 x 12 images
             12 x 16 images
             12 x 12 Made In
               Art frames
                (plastic)
             12 x 16 Made In
               Art frames
                (plastic)
             27 x 27 framed
                pictures

         * Prices are stated in Canadian dollars.
         All 12 x 12 and 12 x 16 images are delivered with an adhesive  magnetic
         sheet.

         All Products are delivered with their proper  packaging  which includes
         for  all  images  and  frames,   gift  boxes  and  protective  sleeves,
         advertising David Farsi's name and logo.

<page>

                                    EXHIBIT B

                     INITIAL SET OF SAMPLES & SELLING TOOLS

     Lists products given on consignment by the Company to the Wholesaler

         12 x 12 image reference numbers: ____

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

         12 x 16 image reference numbers: ____

------------ ----------------- ---------------- ----------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

         70 x 70 image reference numbers: ____
------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

         Frames
------------- ---------------- ----------------- ---------------- -------------
12 x 12 format
------------- ---------------- ----------------- ---------------- -------------
12 x 16 format
------------- ---------------- ----------------- ---------------- -------------

------------- ---------------- ----------------- ---------------- -------------

Others (to be stated)STOCK PURCHASE AGREEMENT

                                     BETWEEN

                                LARRY W. KARKELA,
                                     SELLER,

                                       AND

                                HEARTLAND, INC.,
                                      BUYER

     THIS AGREEMENT is made and entered into effective December 30, 2004, by and
between  Larry W. Karkela,  a Minnesota  resident,  (hereinafter  referred to as
"Seller") and Heartland, Inc., a Maryland corporation,  (hereinafter referred to
as "Buyer").

     WHEREAS,  Seller  is  the  owner  of  all  outstanding  shares  of  Karkela
Construction, Inc., a Minnesota corporation (the "Company"); and

     WHEREAS,  Buyer  wishes to acquire the Company on the terms and  conditions
contained herein.

     NOW,  THEREFORE,  in  consideration  of the  mutual  promises,  warranties,
conditions and mutual covenants  contained in this Agreement,  the parties agree
as follows:

Section 1.    Sale of Shares.
---------     --------------

     Seller  shall  convey to Buyer 1,000  shares of common stock of the Company
(the  "Purchased  Shares")  and  shall  endorse  and  deliver  all  certificates
representing said Purchased Shares to Buyer at Closing.

Section 2.     Purchase Price.
---------      --------------

     The purchase price for the Purchased  Shares shall be Three Million Dollars
($3,000,000.00), payable as follows:

     A.   Down Payment. One Hundred Thousand and No/100 Dollars ($100,000.00) in
          certified  funds,  due at Closing.  A short term  Promissory  Note for
          Fifty  Thousand  and  No/100  Dollars  ($50,000.00)  due on or  before
          January 31, 2005.

     B.   Promissory  Note.  One Million Three Hundred  Fifty  Thousand  Dollars
          ($1,350,000.00),  in a promissory note due on or before March 31, 2005
          (the  "Note").  The Note shall be interest  free so long as it is paid
          when due. If it is not paid when due,  interest  shall be due from the
          Date of Closing to the date of actual  payment at eight  percent  (8%)
          per annum simple  interest,  compounding  annually.  The Note shall be
          paid in certified or other immediately available funds.

                                        1
<PAGE>

     C.   Stock.  Five  hundred  thousand  (500,000)  shares of common  stock of
          Buyer, issued by Buyer to Seller at Closing (the "New Stock").  Should
          the common  stock of Buyer not be trading at a minimum of Four Dollars
          ($4.00) per share  twelve (12) months after  Closing (the  "Adjustment
          Date"),  then  Seller  shall  be  compensated  for the  difference  in
          additional  registered  stock.  The amount of  additional  stock to be
          issued  shall be  calculated  as  follows:  the value of the New Stock
          shall be  calculated by  multiplying  500,000 by the per share trading
          price of Buyer's common stock on the Adjustment Date. The result shall
          then be subtracted from  $2,000,000.  The result shall then be divided
          by the  per  share  trading  price  of  Buyer's  common  stock  on the
          Adjustment  Date. The result shall be the number of additional  shares
          to be issued to Seller.  Said shares  shall be issued  within ten (10)
          days of the  Adjustment  Date.  Buyer's  shares will be  unregistered.
          Seller may not sell or  transfer  such  shares  (except to a Revocable
          Trust whose  Grantor and Trustee is the Seller) for a period of twelve
          (12) months from the date of issuance.

     D.   Purchase Price Adjustment From Financial Review. Buyer shall conduct a
          thorough and complete financial review and cause the necessary audited
          financials  solely at  Buyer's  expense  to be  prepared  which may be
          required to comply with Buyer's securities filing obligations.  In the
          event there is a downward cumulative  adjustment in the reported Gross
          Profit of the Company of more than Five  Percent  (5.0%) or a downward
          adjustment  in the reported  Retained  Earnings of the Company of more
          than Ten  Percent  (10%) the Buyer may make a  corresponding  downward
          adjustment in the total  purchase  price for the stock of the Company.
          Such  adjustment  shall be made to the stock  issued the Seller  under
          (C),  above.  In the event the  proposed  adjustment  of the number of
          shares exceeds Two Hundred Thousand  (200,000) shares the Seller shall
          have the option of repurchasing  the Company by tendering the Note and
          Stock  received from Buyer and receiving  from the Buyer the shares of
          the Company transferred at Closing. Seller shall be entitled to retain
          the cash Down Payment received as liquidated damages for the costs and
          disruption  the  transaction  caused to the  Company,  its  employees,
          suppliers and customers.

Section 3.     Security Interest and Proxy.
---------      ---------------------------

     Buyer shall  execute and  deliver to Seller a security  agreement  granting
Seller a first security  interest in the Purchased Shares to secure the Note and
all  other  obligations  of Buyer  hereunder  (the  "Security  Agreement").  The
Security  interest granted appoints Seller as proxy (which  appointment shall be
coupled with Seller's  security  interest in the Purchased Shares and shall thus
be  irrevocable  by Buyer)  with the  unrestricted  right to vote the  Purchased
Shares until Buyer's  obligations  under the Note have been  satisfied and stock
adjustment under 2(C) have been completed and the stock issued.

Section 4.     Company Authority.
---------      -----------------

     The Company and Seller shall  execute all  documents  necessary,  including
without limitation,  corporate resolutions,  and deliver to Buyer all documents,
including  Articles of  Incorporation  and Bylaws,  necessary to  establish  the
Company's  authority  to enter  into this  Agreement  and any  other  agreements
described herein.

                                        2
<PAGE>

Section 5.     Closing.
---------      -------

     The  closing  of this  Agreement  (the  "Closing")  shall take place at the
offices of  St.Peter  Law  Offices,  P.A.,  1901  Timberline  Spur,  Minnetonka,
Minnesota,  at 1:00 pm. on  December  31, 2004 (the  "Closing  Date") or at such
other time and location as the Parties may mutually  agree.  At Closing,  Seller
shall  deliver to Buyer such  certificates  of shares and other  instruments  of
transfer  as may be  necessary  to  transfer  ownership  to  Buyer  of good  and
marketable title to the Purchased Shares.  All documents and papers to which the
parties are entitled under this Agreement,  unless otherwise  specified  herein,
shall be delivered at Closing.

Section 6.     Representations and Warranties of Seller.
---------      ----------------------------------------

     Seller  represents  and warrants the  following to Buyer with the intention
that  Buyer may rely upon the same.  The  purpose  and  general  import of these
representations  and  warranties  are  that  Seller  has made  appropriate  full
disclosure to Buyer,  that no material  information has been withheld,  and that
the information exchanged is accurate, true and correct.

     A.   Organization and Qualification. The Company is duly organized, in good
          standing,  and  duly  qualified  to  conduct  any  business  it may be
          conducting, as required by law or local ordinance.

     B.   Corporate Authority.  The Company has corporate  authority,  under the
          laws of its jurisdiction and its constituent documents, to do each and
          every  element of  performance  to which it has  agreed,  and which is
          reasonably  necessary,  appropriate  and  lawful,  to  carry  out this
          Agreement in good faith.

     C.   Ownership  of Assets and  Property.  The Company has lawful  title and
          ownership  of its  property as reported to Buyer,  and as disclosed in
          its financial statements.

     D.   Absence of Certain  Changes  or  Events.  There have been no  material
          changes of circumstances  or events regarding the Company,  which have
          not been fully disclosed to Buyer.  The Seller has declared a dividend
          payable to  shareholders  of record as of December 15, 2004 to be paid
          on or before January 5, 2005 in the amount of $200,000.00. Shareholder
          will be purchasing the Non  Depreciable  Asset an its appraised  value
          upon receipt of the appraisal.

     E.   Absence of Undisclosed Liabilities. The Company does not have, and has
          no reason to anticipate having, any material  liabilities,  which have
          not been disclosed to Buyer, in the financial  statements or otherwise
          in writing.  To secure bonding and working capital for the Company the
          Seller  has  personally  guaranteed  the  bonding  obligations  of the
          Company and has personally guaranteed the line of credit in the amount
          of $500,000.00  obtained from BNC National Bank. These guarantees will
          be  withdrawn  upon the payment of the  Promissory  Note and the Buyer
          will be  obligated  to provide the  additional  security  necessary to
          secure these financial facilities.  The Company leases office space at
          its  headquarters,  for  storage  and for remote  office from Larry W.
          Karkela at  commercially  reasonable  rental  rates.  The Company does
          business  with  Karkela  General  Contractors,  Inc.,  wholly owned by
          Seller. The Company maintains a Profit Sharing Plan for its Employees.

     F.   Legal Proceedings.  There are no legal, administrative,  or regulatory
          proceedings,  pending or suspected,  regarding the Company, which have
          not been fully disclosed in writing to Buyer.

                                        3
<PAGE>

     G.   No  Breach  of Other  Agreements.  This  Agreement,  and the  faithful
          performance of this Agreement,  will not cause any breach of any other
          existing agreement, or any covenant, consent decree, or undertaking by
          either Seller or the Company.

     H.   Capital  Stock.  The  capital  of  the  Company  consists  of  200,000
          authorized shares of common stock, no par value, of which 1,000 shares
          are issued to Seller.  The 1,000  shares  issued to Seller are in fact
          issued and  outstanding,  duly and validly issued,  were issued as and
          are  fully  paid  and   non-assessable   shares  and,  other  than  as
          represented  in  writing,  there  are no  other  securities,  options,
          warrants  or rights  outstanding,  to  acquire  further  shares of the
          Company

Section 7.     Representations and Warranties of Buyer.
---------      ---------------------------------------

     Buyer  represents  and warrants the  following to Seller with the intention
that Seller may rely upon the same.  The  purpose  and  general  import of these
representations and warranties are Buyer has made appropriate full disclosure to
Seller, that no material information has been withheld, and that the information
exchanged is accurate, true and correct.

     A.   Organization  and  Qualification.  Buyer  is duly  organized,  in good
          standing,  and  duly  qualified  to  conduct  any  business  it may be
          conducting, as required by law or local ordinance.

     B.   Corporate Authority.  Buyer has corporate authority, under the laws of
          its jurisdiction and its constituent  documents,  to do each and every
          element of performance to which it has agreed, and which is reasonably
          necessary, appropriate and lawful, to carry out this Agreement in good
          faith.

     C.   Ownership of Assets and Property. Buyer has lawful title and ownership
          of its  property  as  reported  to  Seller,  and as  disclosed  in its
          financial statements.

     D.   Absence of Certain  Changes  or  Events.  There have been no  material
          changes  of  circumstances  or  events,  which  have  not  been  fully
          disclosed to Seller.

     E.   Absence of  Undisclosed  Liabilities.  Buyer does not have, and has no
          reason to anticipate having, any material liabilities,  which have not
          been disclosed to Seller, in the financial  statements or otherwise in
          writing.

     F.   Legal Proceedings.  There are no legal, administrative,  or regulatory
          proceedings, pending or suspected, which have not been fully disclosed
          in writing to Seller.

     G.   No  Breach  of Other  Agreements.  This  Agreement,  and the  faithful
          performance of this Agreement,  will not cause any breach of any other
          existing agreement, or any covenant, consent decree, or undertaking by
          Buyer.

     H.   Capital Stock. The capital of Buyer consists of 100,000,000 authorized
          shares of common stock,  $.001 par value, of which  15,200,000  shares
          are issued and outstanding as of the date of this Agreement and as of

                                        4
<PAGE>

          Closing,  except as  otherwise  disclosed  in writing,  and  5,000,000
          shares of preferred  stock,  $.001 par value, of which none are issued
          and  outstanding  as of the date of this  Agreement and as of Closing,
          except as otherwise  disclosed in writing.  Said 15,200,000  shares of
          common  stock are in fact  issued and  outstanding,  duly and  validly
          issued,  were issued as and are fully paid and  non-assessable  shares
          and,  other  than  as  represented  in  writing,  there  are no  other
          securities, options, warrants or rights outstanding to acquire further
          shares of Buyer.

     I.   Acknowledgment of Disclaimer of Profits.  Buyer expressly acknowledges
          and agrees  that  Seller has not made any  representation  or warranty
          with respect to the future profitability or financial prospects of the
          Company after the Closing Date.

     J.   Ability to Perform on  Agreement.  Buyer has the authority and ability
          to fully and timely perform on its  obligations  hereunder.  Including
          but not limited to,  payment on the Note,  replacement  of security to
          secure a  working  capital  line of  credit  and  appropriate  bonding
          capacity to continue  the growth of the  company.  Buyer  acknowledged
          that the Company  needs  working  capital in an amount of at least Ten
          Percent (10%) of the Gross Revenues of the Company.

Section 8.     Employment Matters.
---------      ------------------

     The Company has and will use its best  efforts to keep  available  to Buyer
the  services  of its  present  key  employees  and will  work in good  faith to
implement a stock  option plan to retain such key  employees.  The Company  will
continue  the  employment  agreement  of Seller and other key  employees in full
force and effect.  The Company has obtained key employee  insurance on the lives
of its key  employees.  Seller  shall  have the  option to cause the  Company to
transfer such insurance to Seller  following  payment on the Promissory Note. In
the event the  Company or its  successor  seeks to  terminate  or modify the key
employee  insurance  policies in place at Closing,  the affected employees shall
have the option to have such policies transferred to them at the Company's costs
of the policies as if the  employee  had retired  from the  Company.  Seller and
Buyer agree to negotiate  in good faith a reasonable  stock option plan to cover
the key  employees  of the Company.  At a minimum such a plan would  provide for
annual  stock  option  grants to key  employees in amounts at least equal to Ten
Percent (10%) of W-2  compensation.  Failure of the parties to implement  such a
plan on or before the Note payment  date will  provide the Seller an  additional
option to declare the Note in default,  as if payment had not been made,  and be
governed by Section 11(D).

Section 9.     Confidentiality.
---------      ---------------

     "Confidential   Information"   means  any  information  or  compilation  of
information  not  generally  known,  which is  proprietary  to the parties,  and
includes,  without  limitation,   trade  secrets,  inventions,  and  information
pertaining to  development,  marketing,  sales,  accounting and licensing of the
business products and services,  customer  information,  customer lists, and any
customer   information   contained  in  customer  records,   working  papers  or
correspondence  files  and  all  financial   information,   including  financial
statements,  notes  thereto and  information  contained in federal and state tax
returns.  Information shall be treated as Confidential  Information irrespective
of its source and all information,  which is identified as being "confidential",
"trade secret",  or is identified or marked with any similar  reference shall be
presumed to be  Confidential  Information.  The Parties hereby agree to treat as
confidential  all  Confidential  Information of any Party received or learned by
any other Party,  whether or not Closing occurs. The obligations imposed by this
section shall survive Closing.

                                        5
<PAGE>

Section 10.    Conditions to Closing; Abandonment of Transaction.
----------     -------------------------------------------------

     A.   Conditions to Obligation of Buyer to Proceed on the Closing Date.  The
          obligations  of Buyer to proceed on the Closing  Date shall be subject
          (at its discretion) to the  satisfaction,  on or prior to the Closing,
          of all of the following conditions:

          (1)  Truth of Representations and Warranties.  The representations and
               warranties  of  Seller  herein  shall  be  true  in all  material
               respects on the Closing  Date with the same effect as though made
               at such time.

          (2)  Compliance  with  Obligations.  Seller shall have  performed  all
               material obligations and complied with all material covenants and
               conditions prior to or as of the Closing Date.

          (3)  Review and  Appraisal.  Any  appraisal  obtained  by Buyer at its
               expense of the Company  and any real estate  owned by the Company
               shall be  satisfactory  to Buyer.  Buyer shall have  reviewed the
               Company's books and records and found the same satisfactory.

          (4)  Approval  by Board.  The Board of  Directors  of Buyer shall have
               determined  that it is  advisable  and in the best  interests  of
               Buyer to proceed with the acquisition of the Company by Buyer, in
               accordance with Internal Revenue Code Section 354(a) and 368(b).

     B.   Conditions  to  Obligations  of Seller to Proceed on the Closing Date.
          The  obligations  of Seller to  proceed on the  Closing  Date shall be
          subject (at its  discretion) to the  satisfaction,  on or prior to the
          Closing, of all of the following conditions:

          (1)  Truth of Representations and Warranties.  The representations and
               warranties of Buyer herein shall be true in all material respects
               on the  Closing  Date with the same effect as though made at such
               time.

          (2)  Compliance  with  Obligations.  Buyer  shall have  performed  all
               material obligations and complied with all material covenants and
               conditions prior to or as of the Closing Date.

          (3)  Due  Diligence.  Seller  shall  be fully  satisfied,  in his sole
               discretion, with his due diligence review of Buyer.

     C.   Conduct of Due  Diligence.  Buyer and Seller  shall have  furnished to
          each other all corporate and financial  information which is customary
          and reasonable,  to conduct their  respective due diligence.  If, as a
          result of their due  diligence  examination,  either party  determines
          that there is a reason to  terminate  this  Agreement,  they must give
          written notice to the other party prior to the Closing Date.

     D.   Termination  of  Agreement.   This  Agreement  and  the   transactions
          contemplated  herein may be terminated at or prior to the Closing Date
          as follows:

                                        6
<PAGE>

          (1)  By mutual written consent of all parties.

          (2)  By Buyer pursuant to written notice  delivered at or prior to the
               Closing  Date if Seller  has  failed in any  material  respect to
               satisfy  all of the  conditions  to  Closing  set  forth  in this
               Agreement or any  condition  precedent to Buyer's  obligation  to
               close has not been satisfied or waived.

          (3)  By Seller pursuant to written notice delivered at or prior to the
               Closing  Date if Buyer has  failed  in any  material  respect  to
               satisfy the  conditions to Closing set forth in this Agreement or
               any condition  precedent to Seller's  obligation to close has not
               been satisfied or waived.

          (4)  By any  party if the  party  shall  have  determined  in its sole
               discretion   that  because  of  the   institution  or  threatened
               institution  of  litigation,  or  for  any  other  reason,  it is
               inadvisable to consummate the transaction provided for herein.

     E.   Consequences  of  Termination.  In the  event of  termination  of this
          Agreement,  each  party  will  return to the other all  documents  and
          materials  obtained from the other in connection  with the transaction
          contemplated  by this  Agreement  and  shall  not use  and  will  keep
          confidential  all  Confidential  Information  about  the  other  party
          obtained  pursuant  to  this  Agreement.   Upon  termination  of  this
          Agreement  as  provided  herein,  each  party  will pay all  costs and
          expenses of its  performance of and compliance with all agreements and
          conditions   contained   herein,    including   fees,   expenses   and
          disbursements of its own accountants and lawyers.

Section 11.     Post-Closing Obligations.
----------      ------------------------

     A.   Further  Actions.  At any time and from time to time after the Closing
          Date,  each party  shall,  upon  request of  another  party,  execute,
          acknowledge  and deliver all such  further  and other  assurances  and
          documents, and will take such action consistent with the terms of this
          Agreement,   as  may  be   reasonably   requested  to  carry  out  the
          transactions contemplated herein and to permit each party to enjoy its
          rights and benefits  hereunder.  If requested by Buyer, Seller further
          agrees  to  prosecute  or  otherwise  enforce  in its own name for the
          benefit of Buyer,  any claim,  right or  benefit  transferred  by this
          Agreement  that may require  prosecution  or  enforcement  in Seller's
          name. Any  prosecution or enforcement of claims,  rights,  or benefits
          under this provision  shall be solely at Buyer's  expense,  unless the
          prosecution  or  enforcement  is made  necessary  by a breach  of this
          Agreement on the part of Seller.

     B.   Director and  Officers.  Seller shall remain the sole  director of the
          Company and have absolute  authority to elect officers until such time
          as the Note has been paid in full and the  Security  Interest  granted
          Seller has been fully satisfied and released.  After the Note has been
          paid in full, Buyer may elect additional directors of the Company.

     C.   Company Operations. So long as the Security Interest of Seller remains
          in  effect  there  shall  be  no  intercompany   transfer  of  assets,
          liabilities or other  obligations  without the express written consent
          of the  Board of the  Company.  There  shall be no  assessment  of the
          Buyer's  corporate  overhead  or other  expenses  against  the Company
          during such period. Further, the Company's bonding, customer deposits

                                        7
<PAGE>

          and loan  agreements  impose  fiduciary  obligations on the Company to
          maintain   adequate  cash  and  other  working  capital  to  meet  the
          obligations  of  the  Company.  Buyer  will  respect  these  fiduciary
          obligations  and not seek to transfer cash and other liquid assets out
          of the Company to the extent that these  obligations  are  breached or
          the working capital needs of the Company are impaired.

     D.   Buyer  Default  On  Notes.  In the  event  the Buyer is unable to make
          timely payment on the Promissory  Notes issued  hereunder,  the Seller
          shall have the option to declare the Buyer in default, retain the Down
          Payment, retain the stock issued by Buyer, retain all earnings accrued
          from date of Close to the  retransfer  of stock and receive  back from
          Buyer the shares of the Company signed over to the Buyer at Closing.

Section 12.     Integration.
----------      -----------

     The  parties   acknowledge  and  agree  that  all  agreements,   documents,
obligations and transactions contemplated by this Agreement shall be integrated.
Accordingly, if there should be a material default, non-performance or breach of
any of said agreements,  documents, obligations or transactions, which continues
after  notice  thereof and the  expiration  of any cure  period,  the same shall
constitute a material breach of all such agreements,  documents, obligations and
transactions  entitling  the  aggrieved  party to  pursue  any or all  available
remedies at law or in equity.

Section 13.     Indemnification.
----------      ---------------

     A.   Indemnification  by  Seller.  Seller  shall  indemnify  and hold Buyer
          harmless  at all  times  from and  after  the  date of this  Agreement
          against  and in respect of all  damages,  losses,  costs and  expenses
          (including reasonable attorneys' fees) which Buyer may suffer or incur
          in  connection  with the  operation  of the Company by Seller prior to
          Closing   or  the   breach  by  Seller  of  this   Agreement   or  any
          representation, warranty or covenant contained herein.

     B.   Indemnification  by  Buyer.  Buyer  shall  indemnify  and hold  Seller
          harmless  at all  times  from and  after  the  date of this  Agreement
          against  and in respect of all  losses,  damages,  costs and  expenses
          (including  reasonable  attorneys'  fees)  which  Seller may suffer or
          incur  in  connection  with  the  operation  of the  Company  by Buyer
          following  Closing  or the  breach by Buyer of this  Agreement  or any
          representation, warranty or covenant contained herein.

     C.   Scope. All indemnity provisions in this Agreement are intended only to
          benefit the  specified  party and shall not confer any rights upon any
          third party.

Section 14.     Expenses.
----------      --------

     Except as otherwise  provided herein,  each party hereto shall bear and pay
for the costs and expenses  incurred by it or on its behalf in  connection  with
the transactions  contemplated hereby, including,  without limitation,  all fees
and disbursements of attorneys,  accountants and financial  consultants incurred
through the Closing Date.

                                        8
<PAGE>

Section 15.     Publicity.
----------      ---------

     Seller  and  Buyer  each  represent  and  warrant  that  they  will make no
announcement  prior to  Closing  to  public  officials  or the  press in any way
relating to the transaction  described  herein without the prior written consent
of all parties,  except for applications and other contacts necessary to satisfy
the terms of this  Agreement.  Further,  the  parties  agree to take no steps to
beyond the  obligations of securities  filings to publicize the  transaction and
change of ownership  until after the Buyer has paid the Promissory Note in full.
The Company's  employees,  banker,  bonding company and any other party for whom
failure to give notice of the  transaction  would create a breach of an existing
obligation may be notified of the change,

Section 16.     Knowledge.
----------      ---------

     Knowledge,  as used in this Agreement or the  instruments,  certificates or
other documents required under this Agreement,  means actual knowledge of a fact
or  constructive  knowledge if a reasonably  prudent  person in a like  position
would have known, or should have known, the fact.

Section 17.     Cost of Litigation.
----------      ------------------

     In the event that any party hereto is involved in litigation with any other
party  to  enforce  the  provisions  hereof,  the  prevailing  party in any such
litigation  shall  be  reimbursed  for its  costs  incurred  therein,  including
reasonable attorney fees, by the other party.

Section 18.     Offset.
----------      ------

     Each  party  shall  have the right to offset  all  obligations  under  this
Agreement and the other  agreements  described herein against all obligations of
the other  parties  under  this  Agreement  and the other  agreements  described
herein.

Section 19.     Plan of Acquisition.
----------      -------------------

     A.   Reorganization  and  Acquisition.  Buyer  and  the  Company  shall  be
          reorganized,  such that Buyer shall  acquire all the capital  stock of
          the  Company  with  all  of  its  current   assets,   liabilities  and
          businesses,  and the Company shall become a wholly owned subsidiary of
          Buyer.

     B.   Surviving  Corporations.  Both Buyer and the Company shall survive the
          reorganization  herein  contemplated and shall continue to be governed
          by the laws of their  respective  jurisdictions.  The resulting parent
          corporation  is the entity  responsible  for the rights of  dissenting
          shareholders.

     C.   Surviving Articles of Incorporation.  The Articles of Incorporation of
          both Buyer and the  Company  shall  remain in full  force and  effect,
          unchanged.

     D.   Surviving  Bylaws.  The  Bylaws of both  Buyer and the  Company  shall
          remain in full force and effect, unchanged.

     E.   Tax-Free  Exchange.  The  parties  agree  that  the  transfer  of  the
          Company's  shares from Seller to Buyer and the issuance of the Buyer's
          shares to Seller  contemplated by this transaction shall be treated as
          a "tax-free"  transaction  under  Section 351 of the Internal  Revenue
          Code.

                                        9
<PAGE>

Section 20.     Notices.
----------      -------

     Any notice  required to be given hereunder or otherwise by law, shall be in
writing and be sent by United  States  certified  or  registered  mail,  postage
prepaid and  deposited  in a United  States post office or branch  thereof,  and
addressed  to the party  intended  at its  address set forth below or such other
address as it may designate by notice given. Such notice shall be effective upon
the date of deposit into the mail as herein provided.

SELLER:  Larry W. Karkela           COPY TO:Peter L. St.Peter
         4004 Lawndale Avenue N.            St.Peter Law Offices, P.A
         Plymouth, MN  55446                1901 Timberline Spur, Suite 100
                                            Minnetonka, MN  55305
                                            Fax: (952) 546-8125

BUYER:   Heartland, Inc.            COPY TO:
         Suite # 180
         3300 Fernbrook Lane
         Plymouth, Minnesota

Section 21.     Entire Agreement; Modification; Waivers.
----------      ---------------------------------------

     This Agreement  constitutes the entire agreement between the parties hereto
pertaining to the subject  matter hereof and  supercedes  all prior  agreements,
understandings,  negotiations and discussions,  whether oral or written,  of the
parties.  There  are no  warranties,  representations  or  agreements  among the
parties in connection  with the subject  matter  hereof,  except as set forth or
referred to herein. No supplement, modification or waiver or termination of this
Agreement or any provision hereof shall be binding unless executed in writing by
the parties to be bound.  No waiver of any of the  provisions of this  Agreement
shall  constitute  a waiver  of any  other  provision,  nor  shall  such  waiver
constitute a continuing waiver unless otherwise expressly provided.

Section 22.     Headings.
----------      --------

     Section  and  subsection  headings  are not to be  considered  part of this
Agreement and are included solely for convenience and not intended to be full or
accurate descriptions of the content thereof.

Section 23.     Successors and Assigns.
----------      ----------------------

     Except as otherwise provided for herein, no party may assign this Agreement
without the consent of all other  parties.  All of the terms and  provisions  of
this  Agreement  shall be  binding  upon and shall  inure to the  benefit of the
parties hereto and their respective transferees, successors and assigns.

Section 24.     Governing Law.
----------      -------------

     The parties hereby agree that this Agreement has been executed in the State
of Minnesota and shall be governed by the laws of said state.

                                       10
<PAGE>

Section 25.     Parties in Interest.
----------      -------------------

     Nothing in this  Agreement is intended to confer upon any person other than
the parties  hereto and their  respective  successors  and assigns any rights or
remedies under or by reason of this Agreement, nor is anything in this Agreement
intended to relieve or discharge the liability of any other party, nor shall any
provisions  hereof  give any entity any right of  subrogation  against or action
against any party to this Agreement.

Section 26.     Survival of Representations and Warranties.
----------      ------------------------------------------

     All  representations and warranties made pursuant to this Agreement and all
agreements  made by the parties  pursuant to this  Agreement  shall  survive the
consummation of the  transaction or transactions  contemplated by this Agreement
and by investigations made by or on behalf of any of the parties.

Section 27.     Tax Free Exchange.
----------      -----------------

     The Parties agree to structure the  transaction  as a tax free  transaction
under the  provisions of Section 351 of the Internal  Revenue Code and will take
all  reasonable  measures to structure,  perform and report this  transaction as
such.

Section 28.     Company Name.
----------      ------------

     In the event the Buyer changes the name of the Company or reorganizes it in
a merger and ceases to actively use the Company name, Karkela Construction, Inc.
for a continuous period of six (6) or more months, the name shall  automatically
revert to the Seller upon such occurrence.

Section 29.     Stock Registration.
----------      ------------------

     Buyer agrees to complete registration of any and all stock issued to Seller
either by means of a piggy-back registration or other supplementary registration
on or  before  June  30,  2005.  In the  event  Buyer  does  not  complete  such
registration  of the stock  issued to Seller  hereunder,  Seller  shall  have to
option to have such  stock  redeemed  by Buyer on the  anniversary  date of this
Agreement  by  giving  written  notice  to the  Buyer  of its  default  on  this
Registration  Obligation.  Such notice must be given on or before July 15, 2005.
As security for Buyer's  performance of such obligation,  all cash raised by the
issuance of equity obligations issued by Buyer after June 30, 2005 to the extent
necessary  to  redeem  Sellers'  stock at a value of at least One  Million  Five
Hundred  Thousand Dollars  ($1,500,000.00)  shall be escrowed and held until the
Anniversary date of this Agreement and then disbursed to Seller in redemption of
his unregistered stock.

Section 30.     Broker's or Finder's Fees.
----------      -------------------------

     All broker's or finder's fees due to any party  regarding this  transaction
will be paid by the party who incurred the obligation.

                                       11
<PAGE>

Section 31.     Right of First Refusal.
----------      ----------------------

     In the event Buyer has a legitimate  written  offer to purchase the Company
after it has been fully integrated into the Buyer, the Seller shall have a right
of first  refusal to match the terms and  conditions  of the  offer.  Buyer must
provide  to Seller all  documents  and  information  provided  to the  purported
Offeror.  Seller  shall  have  thirty  (30) days  following  receipt of all such
information  and the written offer to respond in writing with Seller's  decision
to exercise the Right of First Refusal.

Section 32.     Counterparts.
----------      ------------

     This Agreement may be executed in one or more  counterparts,  each of which
shall be deemed an original,  but all of which together shall constitute one and
the same instrument.

     THE PARTIES,  by the execution  hereof,  state that this Agreement has been
read,  that the parties  hereto agree to each and every  provision  hereof,  and
hereby acknowledge receipt of a copy of this Agreement.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

SELLER:                                  BUYER:
                                         HEARTLAND, INC., a Maryland corporation

/s/ Larry W. Karkela                     By:  /s/ Trent Sommerville
------------------------------              ------------------------------------
Larry W. Karkela                             Trent Sommerville
                                             Chairman of Heartland Inc.

STATE OF MINNESOTA )
                   ) ss.
COUNTY OF HENNEPIN )

     The foregoing  instrument was acknowledged before me this December 31, 2004
by Larry W. Karkela.

                                             /s/ Peter L. St. Peter
                                            ------------------------------------
                                            Signature of Notary Public

STATE OF _____________ )
                       ) ss.
COUNTY OF ____________ )

     The foregoing  instrument was acknowledged before me this December 31, 2004
by   ________________________   acting  in  his  capacity  as  _____________  of
Heartland, Inc.

                                             -----------------------------------
                                             Signature of Notary Public

                                       12
<PAGE>

                          Pledge and Security Agreement

     PLEDGE AND SECURITY  AGREEMENT  ("Agreement"),  December 31, 2004,  between
Heartland,  Inc., a  corporation  organized  and existing  under the laws of the
State of Maryland having its principal place of business at 3300 Fernbrook Lane,
Suite  180,  Plymouth,  MN (the  "Pledgor"),  Larry W.  Karkela,  an  individual
residing at 4004 Lawndale Avenue N., Plymouth, MN 55446 (the "Secured Party").

     WHEREAS,  Karkela Construction,  Inc., a corporation organized and existing
under the laws of the State of MN having  an office at 3280  Gorham  Avenue  S.,
St.Louis Park, MN 55426 (the  "Company"),  Pledgor and Secured Party are parties
to a certain  Purchase and Stock  Purchase  Agreement of even date herewith (the
"Stock Purchase Agreement") which Stock Purchase Agreement provides for the sale
of certain shares of the stock of the Company by Secured Party to Pledgor; and

     WHEREAS,  Pledgor is acquiring  100% of the stock of the Company  ("Pledged
Securities") and will directly  benefit from the  transactions  described herein
and in the Stock Purchase Agreement.

     NOW  THEREFORE,  in  consideration  of the entering into the Stock Purchase
Agreement  and the  making of the  obligations  evidenced  by the  Covenant  the
parties hereto as follows:

     1.   As collateral  security for the full and timely  payment,  performance
          and observance of all of the Obligations (as hereinafter defined), the
          Pledgor hereby deposits, hypothecates, pledges, transfers and delivers
          to the Secured Party all the Pledged Securities,  in form transferable
          for delivery,  and grants to the Secured Party a security interest in,
          the shares of stock and interest and the certificates  pursuant to the
          terms of the Stock Purchase Agreement executed by the parties December
          31, 2004.). Pledgor hereby grants to Secured Party a security interest
          in and to the Shares  represented  by the Pledged  Securities  and the
          proceeds of same, as security for the payment and  performance  of all
          obligations, liabilities and indebtedness of the Company arising under
          or  pursuant  to the  Stock  Purchase  Agreement.  By  executing  this
          Agreement,  the  Secured  Party  acknowledges  the  existence  of such
          security interest.

               "Obligations"  shall mean the  obligations  of the Company to the
          Secured Party evidenced by the Stock Purchase Agreement and secured by
          this Agreement.

     2.   (a)  Based  on  the Secured Party's  representations   and  warranties
               to Pledgor contained in the Stock Purchase Agreement, the Pledgor
               represents and warrants that the Pledged Securities are, and will
               be on deposit  hereunder,  duly and  validly  issued and duly and
               validly  pledged with the Secured Party in  accordance  with law.
               Pledgor hereby agrees to defend the Secured Party's right, title,
               lien  and  security  interest  in and to the  Pledged  Securities
               against  the claims and demands of all  persons  whomsoever.  The
               Pledgor also  represents  and warrants to the Secured  Party that
               Pledgor  has, and will have on deposit  hereunder,  good title to
               all of the  Pledged  Securities,  free and  clear of all  claims,
               rights to purchase or redeem,  requirements  to sell or otherwise
               transfer,  mortgages,  pledges, liens,  encumbrances and security
               interests  of every  nature  whatsoever,  and that no  consent or
               approval of any governmental or regulatory  authority,  or of any
               securities  exchange,  or any other person was or is necessary to
               the validity of this pledge which has not been obtained.

                                       13
<PAGE>

          (b)  The Pledgor will not sell, assign,  transfer or otherwise dispose
               of,  grant any  option  with  respect  to, or pledge or grant any
               security  interest in or  otherwise  encumber  any of the Pledged
               Securities or any interest therein, except for the pledge thereof
               provided for in this Agreement.

          (c)  The  Pledgor,  without the prior  written  consent of the Secured
               Party,  will not cause the Company to merge or  consolidate  with
               any third party or sell all or substantially all of the Company's
               assets.

     3.   (a)  In the  Event  of Default  or in the  event of a right of sale by
               Secured Party  pursuant to Paragraph 7 hereof,  the Secured Party
               shall  cause  all  or  any  of  the  Pledged   Securities  to  be
               transferred  to or registered in the Secured  Party's name or the
               name of its nominee or nominees.  Any  remedies  available to the
               Secured Party upon the occurrence of an Event of Default shall be
               deemed  to  be  available   only  after  the  expiration  of  any
               applicable notice and cure period.

          (b)  If the amounts due under the Stock  Purchase  Agreement  shall be
               paid in full,  the Secured Party shall deliver  written notice to
               that effect to the Secured  Party.  Upon  receipt of such notice,
               the  Secured   Party  shall   immediately   release  the  Pledged
               Securities from the escrow and deliver them to Pledgor,  at which
               time the escrow shall terminate.

     4.   So long as there shall exist no event of default under this  Agreement
          or the Stock  Purchase  Agreement  ("Event of Default") or  condition,
          event or act which  constitutes,  or with notice or lapse of time,  or
          both,  would  constitute,  an Event of Default,  the Pledgor  shall be
          entitled to exercise,  as Pledgor  shall think fit, but in a manner in
          the reasonable judgment of the Secured Party not inconsistent with the
          terms hereof or with the terms of the Stock  Purchase  Agreement,  the
          voting  power with  respect to the  Pledged  Securities,  and for that
          purpose the Secured  Party shall (if the Pledged  Securities  shall be
          registered in the name of the Secured Party or its nominee) execute or
          cause to be executed from time to time, at the expense of the Pledgor,
          such  proxies  or other  instruments  in favor of the  Pledgor  or its
          nominee,  in such form and for such  purposes  as shall be  reasonably
          required by the Pledgor and shall be  specified  in a written  request
          therefor of its President or a Vice  President,  to enable  Pledgor to
          exercise such voting power with respect to the Pledged Securities.

     5.   In case,  upon the dissolution or liquidation (in whole or in part) of
          the Company,  any sum be paid as a  liquidating  dividend or otherwise
          upon or with respect to any of the Pledged Securities,  such sum shall
          be paid over to the Secured Party,  to be held by the Secured Party as
          substitute  collateral  hereunder.  In case  any  shares  of  stock or
          fractions  thereof  shall  be  issued  pursuant  to  any  stock  split
          involving  any of the  Pledged  Securities,  or  any  distribution  of
          capital shall be made on any of the Pledged Securities, or any shares,
          obligations  or  other  property  shall  be  distributed  upon or with
          respect to the Pledged Securities  pursuant to a  recapitalization  or
          reclassification  of the capital of the issuer thereof, or pursuant to
          the  dissolution,  liquidation  (in whole or in part),  bankruptcy  or

                                       14
<PAGE>

          reorganization  of such issuer,  or to the merger or  consolidation of
          such issuer with or into another corporation,  the shares, obligations
          or other  property so  distributed  shall be  delivered to the Secured
          Party, to be held by it as additional collateral hereunder, and all of
          the same (other than cash) shall constitute Pledged Securities for all
          purposes hereof.

     6.   So long as there shall exist an Event of Default or a condition, event
          or act which  constitutes,  or with notice or lapse of time,  or both,
          would  constitute,  an Event of Default,  the  Secured  Party shall be
          entitled  to  exercise  all voting  power with  respect to the Pledged
          Securities  and  to  receive  and  retain,  as  additional  collateral
          hereunder,  any and all  dividends  at any time and from  time to time
          declared or paid upon any of the Pledged Securities.

     7.   If an  Event  of  Default  shall  occur,  the  Secured  Party  without
          obligation  to resort to other  security,  shall have the right at any
          time and from time to time to sell, resell, assign and deliver, in its
          discretion,  all  or any of the  Pledged  Securities,  in one or  more
          parcels  at the same or  different  times,  and all  right,  title and
          interest, claim and demand therein and right of redemption thereof, on
          any  securities  exchange  or  broker's  board  on which  the  Pledged
          Securities  or any of them  may be  listed,  or  broker's  board or at
          public or private sale, for cash or for future delivery.

     8.   Intentionally Blank

     9.   The remedies  provided  herein in favor of the Secured Party shall not
          be deemed exclusive, but shall be cumulative, and shall be in addition
          to all other  remedies in favor of the Secured  Party  existing at law
          (whether under the Uniform  Commercial Code or otherwise) or in equity
          or under any other agreement or instrument.

     10.  If an Event of Default has  occurred  and is  continuing,  the Secured
          Party  shall have the right,  for and in the name,  place and stead of
          the Pledgor, to execute endorsements, assignments or other instruments
          of  conveyance  or transfer  with respect to all or any of the Pledged
          Securities.

     11.  The  Secured  Party  shall  have  no  duty  as to  the  collection  or
          protection of the Pledged  Securities  or any income  thereon or as to
          the preservation of any rights pertaining  thereto  (including without
          limitation  rights against third parties),  beyond the safe custody of
          any thereof actually in its possession.

     12.  Upon the happening of an Event of Default, the Pledgor hereby appoints
          the Secured Party as the Pledgor's attorney-in-fact for the purpose of
          carrying out the  provisions  of this  Agreement and taking any action
          and  executing  any  instrument  which  the  Secured  Party  may  deem
          necessary or  advisable to  accomplish  the purposes  hereof.  Without
          limiting the generality of the foregoing, the Secured Party shall have
          the right and power to  receive,  endorse  and  collect all checks and
          other  orders for the  payment of money  made  payable to the  Pledgor
          representing any interest or dividend or other distribution payable in
          respect of the Pledged Securities or any part thereof and to give full
          discharge for the same.

     13.  No delay on the part of the Secured Party or of any other obligee with
          respect to the Obligations in exercising any of its options, owners or
          rights,  or partial or single  exercise  thereof,  shall  constitute a
          waiver thereof.

                                       15
<PAGE>

     14.  Upon payment in full or  satisfaction  of all  Obligations the Pledgor
          shall be entitled to the return of all of the Pledged  Securities  and
          of all other  property  and cash  which  have not been used or applied
          toward the payment of such  Obligations  and this Pledge and  Security
          Agreement  shall be released and  discharged.  The  assignment  by the
          Secured  Party to the  Pledgor of such  Pledged  Securities  and other
          property  shall be without  representation  or  warranty of any nature
          whatsoever and wholly without recourse. Notwithstanding the foregoing,
          the Secured Party shall have the right to continue to hold the Pledged
          Securities  as security for any  Obligations  arising by reason of the
          avoidance  of any  prior  payment  of  Obligations  by  reason  of any
          fraudulent  conveyance,  preference or similar provision of applicable
          law during any period  during which any such payment may be subject to
          avoidance as aforesaid,  and this Agreement shall remain in full force
          and effect during such period.

     15.  Any  notice or demand  upon the  Pledgor  shall be deemed to have been
          sufficiently  given  for  all  purposes  thereof  if  mailed,  postage
          prepaid, by registered or certified mail, return receipt requested, or
          if hand delivered,  to the Pledgor at the address  specified above, or
          at such other address as the Pledgor may  theretofore  have designated
          in writing and given in like manner to the Secured Party.

     16.  This Agreement shall be immediately  effective as an instrument  under
          seal. The rights and  obligations of the Secured Party and the Pledgor
          hereunder  shall be construed in  accordance  with and governed by the
          laws of the State of Minnesota applicable to contracts executed and to
          be  performed  therein,  cannot be  changed  orally and shall bind and
          inure to the benefit of the  Pledgor  and the Secured  Party and their
          respective successors,  heirs, representatives and assigns (including,
          without  limitation,  all  subsequent  obligees  with  respect  to the
          Obligations).  Whenever  the context so  requires,  the neuter  gender
          includes the masculine or feminine,  and the singular  number includes
          the plural, and vice-versa.

     17.  This Agreement may be executed in any number of counterparts,  each of
          which  shall be deemed an  original  and all of which  taken  together
          shall constitute but one and the same instrument.

     18.  The  Pledgor  will do all such acts,  and will  furnish to the Secured
          Party all such financing statements,  certificates, legal opinions and
          other  documents  and will obtain all such  governmental  consents and
          corporate  approvals  and will do or  cause to be done all such  other
          things as the Secured Party may  reasonably  request from time to time
          in order to give full  effect  to this  Agreement  and to  secure  the
          rights of the Secured Party hereunder.

     19.  Each party  irrevocably  submits to the  jurisdiction  of any state or
          federal court  sitting in the State of  Minnesota,  over any action or
          proceeding  arising out of or relating  to this  Agreement  and agrees
          that all  claims  in any such  action or  proceeding  may be heard and
          determined in any such court.

                                       16
<PAGE>

     20.       The Pledgor represents and warrants to the Secured Party that (i)
               the execution and delivery of this  Agreement and pledging of the
               Pledged  Securities  do not require any  consents or approvals by
               any  person  or  contravene  any law or any  rule  or  regulation
               thereunder or any judgment, decree or order of any tribunal or of
               any agreement or instrument to which the Pledgor is a party or by
               which Pledgor or any of Pledgor's property is bound or constitute
               a default  thereunder  and (ii) this  Agreement  constitutes  the
               legal, valid and binding  obligation of the Pledgor,  enforceable
               against Pledgor in accordance with its terms.

     21.       (a)  The  Secured  Party  shall  not  be   responsible   for  the
               genuineness  of  any   certificate  or  signature  and  may  rely
               conclusively  upon and shall be  protected  when  acting upon any
               notice, affidavit, request, consent, instruction, check, or other
               instrument  believed  by it in good  faith to be genuine or to be
               signed or presented by the proper person,  duly  authorized.  The
               Secured  Party  shall  have  no  responsibility  except  for  the
               performance  of its express  duties  hereunder  and no additional
               duties shall be inferred herefrom or implied hereby.  The Secured
               Party shall not be  responsible or liable for any act or omission
               on its part in performing  its duties as Secured Party under this
               agreement  unless  such act or  omission  constitutes  bad faith,
               gross negligence, or fraud.

          (b)  The Secured  Party shall not be required to  institute  or defend
               any act involving any matter  referred to herein or which affects
               it or its duties or liabilities  hereunder  unless required to do
               so by any party to this  Agreement  and then only upon  receiving
               full indemnity,  in character  satisfactory to the Secured Party,
               against  all  claims,  liabilities,   and  expenses  in  relation
               thereto.  In the  event of any  dispute  among the  parties  with
               respect to the Secured Party or its duties, (i) the Secured Party
               may act or refrain from acting in respect of any matter  referred
               to herein in full reliance upon and by and with the advice of its
               counsel  and  shall  be  fully  protected  in  so  acting  or  in
               refraining  from acting upon the advice of such counsel,  or (ii)
               the Secured Party may refrain from acting until required to do so
               by an order of a Court of competent jurisdiction.

                                       17
<PAGE>

     IN WITNESS  WHEREOF,  the Pledgor  and the  Secured  Party have caused this
Agreement to be duly  executed and  delivered as of the day and year first above
written.

PLEDGOR:  Heartland, Inc.                   SECURED PARTY: Larry W. Karkela

By: /s/ Trent Sommerville                    /s/Larry W. Karkela
   -----------------------                  --------------------------------
   Trent Sommerville                        Larry W. Karkela
   Chairman of the Board of
   Heartland Inc.

Print Name________________________

STATE OF _____________)
                      ) ss.
COUNTY OF ____________)

     The foregoing  instrument was acknowledged before me this December 31, 2004
by   ________________________   acting  in  his  capacity  as  _____________  of
Heartland, Inc.

                                                      --------------------------
                                                      Signature of Notary Public

STATE OF MINNESOTA )
                   ) ss.
COUNTY OF HENNEPIN )
     The foregoing  instrument was acknowledged before me this December 31, 2004
by Larry W. Karkela.

                                                      /s/ Peter L. St. Peter
                                                      --------------------------
                                                      Signature of Notary Public

                                       18
<PAGE>

                                   SCHEDULE A

Certificate No.                     Owner                       Number of Shares

     1           Larry W. Karkela signed over to Heartland, Inc.       1,000

                                       19
<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}]]