Document:

exv10w13

 

Exhibit 10.13

THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED (THE “ACT”). THE SECURITIES MAY NOT BE SOLD, OFFERED FOR SALE OR
OTHERWISE TRANSFERRED OR ASSIGNED IN THE ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT FOR THE
SECURITIES UNDER SAID ACT, OR AN OPINION OF COUNSEL IN FORM, SUBSTANCE AND SCOPE CUSTOMARY FOR
OPINIONS OF COUNSEL IN COMPARABLE TRANSACTIONS THAT REGISTRATION IS NOT REQUIRED UNDER SAID ACT.

SENIOR SUBORDINATED NOTE

	 	 	 	 	 
	Denver, Colorado
	 	 	 	 
	September 28, 2006

	 	$	3,500,000	 

     FOR VALUE RECEIVED, ACROSS AMERICA REAL ESTATE CORP., a Colorado corporation (the
“Company”), hereby promises to pay to the order of BOCO INVESTMENTS, LLC, a Colorado
limited liability company or registered assigns (the “Holder”) the sum of Three Million
Five Hundred Thousand Dollars ($3,500,000) (the “Principal”), on September 28, 2009 (the
“Maturity Date”), on the terms and conditions set forth herein and in the Securities
Purchase Agreement dated September 28, 2006 (the “Purchase Agreement”).

     Each capitalized term used herein, and not otherwise defined, shall have the meaning
ascribed thereto in the Purchase Agreement.

     All payments due under this Senior Subordinated Note (the “Note”) shall be made in
lawful money of the United States of America.

     1. Interest; Payments

          (a) Interest Rate. Subject to Section 1(b) and 1(c), this Note shall bear interest on
the unpaid Principal balance hereof at the rate (the “Interest Rate”) per annum equal to
the greatest of:

          (i) the ninety day average for U.S. Treasury Notes with a 10-year maturity as
determined on the last Business Day of each calendar quarter, using the constant maturity
calculation, plus 650 basis points;

          (ii) eleven percent (11%); or

          (iii) the highest effective interest rate accruing on any outstanding Indebtedness for
Borrowed Money of the Company at any time during the applicable calendar quarter.

 

 

          (b) Default Interest. If an Event of Default has occurred and is continuing, interest
shall accrue on the unpaid Principal balance of this Note at a rate (the “Default Interest
Rate”) equal to the higher of (i) the Interest Rate plus 800 basis points, or (ii) twenty-four
percent (24%) per annum.

          (c) Applicable Law. Notwithstanding any provision of this Note, the Purchase
Agreement or any other agreement to the contrary, the Company shall not be required to pay, and the
Holder shall not be permitted to receive, any compensation that constitutes interest under
Applicable Law in excess of the maximum amount of interest permitted by Applicable Law.

          (d) Interest. Interest shall commence accruing on the date hereof, shall be
computed on the basis of a 365-day year and the actual number of days elapsed and shall be
payable quarterly on the last Business Day of each calendar quarter, beginning December 29, 2006.
The applicable Interest Rate for each calendar quarter shall be determined as provided in Section
1(a) on the last Business Day of each calendar quarter.

          (e) Payments. All payments shall be made at such address as the Holder shall
hereafter give to the Company by written notice made in accordance with the provisions of this
Note. Whenever any amount expressed to be due by the terms of this Note is due on any day which is
not a Business Day, the same shall instead be due on the next succeeding day which is a Business
Day and, in the case of any interest payment date which is not the date on which this Note is paid
in full, the extension of the due date thereof shall not be taken into account for purposes of
determining the amount of interest due on such date. The Principal amount of this Note, together
with any unpaid interest thereon, shall be due and payable on the Maturity Date.

          (f) Prepayment. The unpaid Principal balance of this Note, together with all accrued
and unpaid interest, may at the Company’s option be prepaid in whole or in part, at any time or
from time to time upon ten (10) days’ prior written notice to the Holder stating the Principal
amount to be prepaid and the date on which such prepayment shall be made. Any prepayments
hereunder shall be applied first, to all interest accrued but unpaid at such prepayment date and
second, to outstanding Principal amounts.

     2. Subordination. The payment of principal and interest on this Note is hereby subordinated
to the Senior Debt and Holder will not ask, demand, sue for, take or receive from the Company, by
setoff or in any other manner, the whole or any part any amount payable with respect to this Note
(whether such amounts represent principal or interest, or obligations which are due or not due,
direct or indirect, absolute or contingent), including, without limitation, the taking of any
negotiable instruments evidencing such debt, nor any security for any of the Note, unless and until
all Senior Debt, whether now existing or hereafter arising, shall have been fully and indefeasibly
paid in full in cash and satisfied and all financing arrangements between the Company and all
holders of the Senior Debt have been terminated; provided, however, that Holder may
receive from the Company scheduled payments of principal and interest with respect to this Note on
an unaccelerated basis so long as no Senior Default has occurred and is continuing or would result
therefrom. If a Senior Default has occurred and is continuing or would result from any scheduled
payment of principal or interest by the Company with respect to this Note, then, until the Senior

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Default which has occurred or which would result from such payment has been cured, no payment of
principal or interest shall be deemed due or otherwise payable under this Note.

     3. Events of Default. Each of the following events shall be deemed an “Event of
Default”:

          (a) The Company fails to pay the Principal hereof or interest thereon when due on this Note,
whether at maturity, upon acceleration or otherwise;

          (b) Bankruptcy, insolvency, reorganization or liquidation proceedings or other proceedings
for relief under any bankruptcy law or any law or the relief of debtors shall be instituted by or
against the Company or any subsidiary of the Company, unless such proceeding shall be stayed within
thirty (30) days;

          (c) The Company or any subsidiary of the Company shall make an assignment for the benefit of
creditors, or apply for or consent to the appointment of a receiver or trustee for it or for a
substantial part of its property or business, or such a receiver or trustee shall otherwise be

          appointed;

          (d) Any representation or warranty of the Company made herein or in any agreement, statement
or certificate given in writing pursuant hereto or in connection herewith (including, without
limitation, the Purchase Agreement and the Registration Rights Agreement), shall be false or
misleading in any material respect when made and the breach of which has (or with the passage of
time will have) a material adverse effect on the rights of the Holder with respect to this Note,
or the Purchase Agreement;

          (e) Any material failure by the Company to perform or observe any of its covenants contained
in the Purchase Agreement where such failure continues for a period in excess of five (5) days
after written notice from the Holder or actual knowledge of the Company of such failure;

          (f) If a final judgment, writ or similar process is entered or filed against the Company or
any subsidiary of the Company or any of its property or other assets in an amount in excess of
$50,000, which is not, within twenty (20) days after the entry thereof, discharged or the execution
thereof stayed pending appeal, or within twenty (20) days after the expiration of such stay, such
judgment is not discharged;

          (g) Any default with respect to any other Indebtedness for Borrowed Money or liabilities of
the Company or any of its subsidiaries in any amount in excess of (i) $50,000 individually or in
the aggregate with respect to Indebtedness for Borrowed Money, (ii) $50,000 individually with
respect to liabilities and (iii) $100,000 in the aggregate with respect to liabilities and
Indebtedness for Borrowed Money, provided, that such event shall only constitute an “Event
of Default” where the effect of such default is to permit the holder thereof to accelerate the
maturity of such Indebtedness for Borrowed Money or liabilities, as the case may be, but only if
(x) the holder elects to exercise such a right to accelerate the maturity of such Indebtedness for
Borrowed Money

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or liabilities, as the case may be, and (y) where such default continues for a period of fifteen
(15) days after written notice from the Holder or actual knowledge of the Company of such a
default, and provided, further, that a default with respect to liabilities shall
not constitute an “Event of Default” where the Company in good faith objects to the amount or
obligation to pay the applicable liability and makes appropriate reserves for such liability, if
necessary, in accordance with GAAP.

          (h) Any liquidation, dissolution or winding up of the Company and its subsidiaries or its
business;

          (i) If the Company reports a net loss, as determined in accordance with U.S. generally
accepted accounting principles, in excess of (i) $1,000,000 for any calendar quarter after the date
hereof, or (ii) $2,500,000 for any three consecutive calendar quarters after the date hereof;

          (k) Any event, circumstance or conditions exists which could reasonably be expected to result
in a Material Adverse Effect on the Company and its Subsidiaries, provided that the
Holder shall provide thirty (30) days written notice to the Company if it intends to declare an
Event of Default under this paragraph 3(k) and provide the Company with an opportunity to present
evidence satisfactory to the Holder in its sole discretion that such event, circumstance or
condition has been remedied; or

          (l) The Company shall fail to maintain the listing of the Common Stock on at least one
of the OTCBB or any equivalent replacement exchange, the Nasdaq Global Select Market, the Nasdaq
Global Market, the Nasdaq Capital Market, the New York Stock Exchange or the American Stock
Exchange

     4. Consequences of Event of Default

          (a) If there shall occur, after the fulfillment of any applicable notice and cure provisions
(if any), any Event of Default specified in sections (a), (b) or (c) of Section 3 hereof, the
unpaid Principal balance of this Note and all accrued interest thereon shall be immediately due and
payable, without presentment, demand, protest or notice of any kind, all of which are expressly
waived.

          (b) If there shall occur, after the fulfillment of any applicable notice and cure provisions
(if any), any Event of Default other than those listed in Section 4(a) above, the Holder may, at
its option, by written notice to the Company, declare the entire Principal balance of his Note and
all accrued interest thereon due and payable, and the same shall thereupon become immediately due
and payable without presentment, demand, protest or (except as required hereby) notice of any kind,
all of which are expressly waived.

          (c) If an Event of Default shall occur, the Company shall pay the Holder hereof all costs of
collection, including reasonable attorneys’ fees.

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     5. Definitions

          “Applicable Law” means that law in effect from time to time and applicable to this
Note which lawfully permits the contracting, charging, taking, reserving and/or collection of the
highest permissible lawful, non-usurious rate of interest or amount of interest on or in connection
with this Note.

          “Business Day” means any day other than a Saturday, Sunday or a day on which
commercial banks in the city of Denver, Colorado are authorized or required by law or executive
order to remain closed.

          “Senior Debt” means all indebtedness, obligations and other liabilities of the Company
to Vectra Bank Colorado, national association, pursuant to that certain First Amendment to Credit
Agreement dated August 3, 2006, as amended.

          “Senior Default” means any “Default,” “Event of Default” or any condition or event
that (with or without notice, lapse of time, or both) would permit Holders of Senior Debt to
accelerate the maturity of such Senior Debt if that condition or event were not cured or removed
within any applicable grace or cure period set forth therein.

     6. Miscellaneous

          (a) No failure or delay on the part of the Holder in the exercise of any power, right or
privilege hereunder shall operate as a waiver thereof, nor shall any single or partial
exercise of any such power, right or privilege preclude other or further exercise thereof or of
any other right, power or privileges. All rights and remedies existing hereunder are cumulative
to, and not exclusive of, any rights or remedies otherwise available.

          (b) Any notice herein required or permitted to be given shall be in writing and may be
personally served or delivered by courier or sent by United States mail and shall be deemed
to have been given upon receipt if personally served (which shall include telephone line
facsimile transmission) or sent by courier or three (3) days after being deposited in the United
States mail, certified, with postage pre-paid and properly addressed, if sent by mail. For the
purposes hereof, the addresses of the parties for receipt of notice hereunder are:

          If to the Company:

Across America Real Estate Corp.

1660 Seventeenth Street, Suite 450

Denver, Colorado 80202

Attention: Chief Executive Officer

Telephone: (303) 893-1003

Facsimile: (303) 893-1005

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With a copy to:

David Wagner & Associates, P.C.

8400 East Prentice Ave.

Penthouse Suite

Greenwood Village, Colorado 80111

Attention: David J. Wagner, Esq.

Telephone: (303) 793-0304

Facsimile: (303) 409-7650

          If to the Holder:

BOCO Investments, LLC

103 West Mountain Ave.

Fort Collins, Colorado 80524

Facsimile: (970) 482-6139

Attention: Chief Executive Officer

          With a copy to:

Davis Graham & Stubbs LLP

1550 17th Street, Suite 500

Denver, CO 80202

Attention: Ronald R. Levine II and Brian J. Boonstra

Telephone: (303) 892-9400

Facsimile: (303) 892-7400

          (c) This Note and any provision hereof may only be amended by an instrument in writing signed
by the Company and the Holder. The term “Note” and all reference thereto, as used throughout this
instrument, shall mean this instrument as originally executed, or if later amended or supplemented,
then as so amended or supplemented.

          (d) This Note shall be binding upon the Company and its successors and assigns, and shall
inure to be the benefit of the Holder and its successors and assigns. Notwithstanding anything in
this Note to the contrary, this Note may be pledged as collateral in connection with a bona fide
margin account or other lending arrangement.

          (e) This Note shall be enforced, governed by and construed in accordance with the laws of the
State of Colorado applicable to agreements made and to be performed entirely within such state,
without regard to the principles of conflict of laws. The parties hereto hereby submit to the
exclusive jurisdiction of federal or state courts located in Denver, Colorado with respect to any
dispute arising under this Note. Both parties irrevocably waive the defense of an inconvenient
forum to the maintenance of such suit or proceeding. Both parties further agree that service of
process upon a party mailed to the notice address set forth in this Note by registered first class
mail shall be deemed in every respect effective service of process upon the party in any such

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suit or proceeding. Nothing herein shall affect either party’s right to serve process in any other
manner permitted by law. Both parties agree that a final non-appealable judgment in any such suit
or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on such
judgment or in any other lawful manner.

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     IN WITNESS WHEREOF, Company has caused this Note to be signed in its name by its duly
authorized officer this 28th day of September, 2006.

ACROSS AMERICA REAL ESTATE CORP.

	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 
	 

	 	By:	 	/s/ Ann L. Schmitt	 	 
	 

	 	 	 	 	 	 
	 

	 	 	 	     Name: Ann L. Schmitt	 	 
	 

	 	 	 	     Title: Chief Executive Officer	 	 

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Exhibit 10.14

SHAREHOLDERS’ AGREEMENT

     THIS SHAREHOLDERS’ AGREEMENT is entered into this 28th day of September, 2006, by and among
Across America Real Estate Corp., a Colorado corporation (the “Company”), BOCO Investments, LLC, a
Colorado limited liability company (“BOCO”) and GDBA Investments, LLLP, a Colorado limited
liability limited partnership (“GDBA”). BOCO and GDBA are referred to herein as an “Investor” and
together, the “Investors”.

Recitals

     WHEREAS, the Investors are purchasing on the date hereof 500,000 shares of the Company’s
Series A Convertible Preferred Stock (the “Preferred Stock”) and an aggregate principal amount of
$7,000,000 of the Company’s senior subordinated notes (the “Notes”) and have agreed to purchase
from the Company up to an additional $7,000,000 principal amount of the Notes in the future from
time to time; and

     WHEREAS, the Company expects to receive substantial benefits as a result of the purchase by
the Investors of the Preferred Stock and the Notes; and

     WHEREAS, the execution of this shareholders’ agreement relating to the election of members to
the Company’s board of directors (the “Board”) is a condition to the purchase of the Preferred
Stock and Notes by the Investors;

     NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, and
for other valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto agree as follows:

     1. Election of Directors.

          (a) Until the termination of this Agreement in accordance with Section 4 hereof, at each
annual meeting of the shareholders of the Company and at each special meeting of the shareholders
of the Company called for the purpose of the election of directors of the Company, and at any other
time at which shareholders of the Company will have the right to or will vote for or consent in
writing to the election of directors of the Company, then each of the Investors hereby covenants
and agrees to vote all shares of capital stock (including shares of Preferred Stock) of the Company
now or hereafter owned or controlled by it and otherwise use its respective best efforts as a
shareholder of the Company as follows:

          (i) in favor of causing and maintaining the election to the Board of Directors of the
two (2) designated Investor Directors (as provided in Section 1(c) and 1(d)); and

          (ii) against the election or continued service of any director (other than the Investor
Directors) who is an Affiliate of either of the Investors.

          (b) Promptly after execution of this Agreement, but in any event within five (5) days hereof,
the Company shall take all necessary and desirable actions within its control (including, without
limitation, calling special board meetings), so that the authorized number of

 

 

directors on the Board of Directors shall be increased to five directors and the Initial BOCO
Director (as defined in Section 1(c)) shall be named to fill the vacancy created by reason of such
increase in the number of directors. At each annual meeting of shareholders, the Company shall
nominate for election to the Board of Directors the individuals designated to be Investor Directors
as provided in Section 1(c) and 1(d).

          (c) BOCO shall be entitled to designate one individual to be nominated for election to Board
of Directors (the “BOCO Director”). The initial BOCO Director shall be Joseph C. Zimlich (the
“Initial BOCO Director”). Unless and until the Company receives written notice from BOCO to the
contrary, the Initial BOCO Director shall be nominated by the Company for election to the Board of
Directors at each annual meeting of shareholders.

          (d) GDBA shall be entitled to designate one individual to be nominated for election to Board
of Directors (the “GDBA Director” and together with the BOCO Director, the “Investor Directors”).
The initial GDBA Director shall be G. Brent Backman (the “Initial GDBA Director”). The Initial
GDBA Director was previously appointed to and is currently serving on the Board of Directors.
Unless and until the Company receives written notice from GDBA to the contrary, the Initial GDBA
Director shall be nominated by the Company for election to the Board of Directors at each annual
meeting of shareholders as set forth in Section 1(b).

          (e) “Affiliate” for the purposes of this Agreement shall mean a person or entity controlling,
controlled by or under common control with the Investors, including, without limitation, any
officer, employee or principal of an Investor.

          (f) The authorized number of directors on the Board of Directors shall not be increased to
more than five directors without the unanimous approval of the Board of Directors, including the
BOCO Director.

     2. Vacancies and Removal. A director designated above in Section 1 shall be elected
at any annual or special meeting of shareholders and shall serve until his or her successor is
elected and qualified or until his or her earlier resignation or removal. Any director may be
removed during his term of office in accordance with the bylaws of the Company and the Colorado
Business Corporation Act. Any vacancy in the office of a director may be filled in accordance with
the bylaws of the Company and the Colorado Business Corporation Act, provided,
however, that in the event the BOCO Director or the GDBA Director is removed, resigns or
ceases to serve as a director for any reason, BOCO or GDBA, as applicable, shall be entitled to
name the replacement for such director in accordance with Section 1 hereof.

     3. Transfer of Stock. GDBA shall not to sell, convey, assign or otherwise transfer
any of its shares of capital stock of the Company (including any shares of Preferred Stock) unless
the transferee agrees in writing to be bound by the terms and conditions of this Agreement and
executes a counterpart of this Agreement; provided, that, GDBA may transfer shares
of capital stock of the Company to a transferee who does not agree to be bound by this Agreement so
long as immediately after such transfer GDBA will hold at least forty percent in voting power of
the issued and outstanding shares of capital stock of the Company, including for the purpose of
this calculation only those shares of capital stock having a right to vote with respect to the
election of directors.

2

 

     4. Duration of Agreement. The rights and obligations of BOCO shall terminate on the
earlier of (i) the fifth anniversary of the date on which the Preferred Stock held by BOCO is fully
converted into shares of common stock of the Company, or (ii) the date on which BOCO no longer own
shares of common stock or shares of Preferred Stock (the “BOCO Termination Date”). Following the
BOCO Termination Date, the rights and obligations of BOCO under this Agreement shall cease but this
Agreement shall remain in effect as between the Company and GDBA, provided that,
the restrictions on transfer set forth in Section 3 hereof shall be terminated. The rights and
obligations of GDBA shall terminate on the earlier of (i) the fifth anniversary of the date on
which the Preferred Stock held by GDBA is fully converted into shares of common stock of the
Company, or (ii) the date on which GDBA no longer own shares of common stock or shares of Preferred
Stock (the “GDBA Termination Date”). Following the GDBA Termination Date, the rights and
obligations of GDBA under this Agreement shall cease but this Agreement shall remain in effect as
between the Company and BOCO. The rights and obligations of the Company under this Agreement shall
terminate on the later of the BOCO Termination Date or the GDBA Termination Date.

     5. Severability. The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other provision of this Agreement.

     6. Specific Performance. In addition to any and all other remedies that may be
available at law in the event of any breach of this Agreement, each Series A Holder shall be
entitled to specific performance of the agreements and obligations of the Company hereunder and to
such other injunctive or other equitable relief as may be granted by a court of competent
jurisdiction.

     7. Governing Law. This Agreement shall be governed by and construed in accordance
with the internal laws of the State of Colorado (without giving effect to the conflicts of law
provisions thereof).

     8. Notices. All notices to be given or otherwise made to any party to this Agreement
shall be in writing and shall be hand delivered, sent by facsimile, or mailed, postage prepaid to
the Company, at the address listed below, or to the Investors at the following addresses, which
shall be the same addresses reflected on the records of the Company until such time as the Company
receives notice of a change:

The Company:             Across America Real Estate Corp.

1660 17th Street, Suite 450

Denver, CO 80202

Facsimile: 303-893-1005

Attention: Chief Executive Officer

with a copy to:

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David Wagner & Associates, P.C.

8400 East Prentice Ave.

Penthouse Suite

Greenwood Village, Colorado 80111

Attention: David J. Wagner, Esq.

Telephone: (303) 793-0304

Facsimile: (303) 409-7650

The Series A Holders:

BOCO Investments, LLC

103 West Mountain Ave.

Fort Collins, Colorado 80524

Facsimile: (970) 482-6139

Attention: Chief Executive Officer

with copy to:

Davis Graham & Stubbs LLP

1550 17th Street, Suite 500

Denver, CO 80202

Facsimile: 303-892-7400

Attention: Ronald R. Levine II and Brian J. Boonstra

GDBA Investments, LLLP

1440 Blake Street, Suite 310

Denver, CO 80202

Facsimile: (720) 932-9397

Attention: Chief Executive Officer

with copy to:

Davis & Ceriani P.C.

Suite 400, Market Center

1350 Seventeenth Street

Denver, CO 80202

Facsimile: (303) 534-4618

Attention: Patrick J. Kanouff

Each such notice, report or other communication shall, for all purposes hereof, be treated as
effective or having been given when delivered if delivered personally or, if sent by mail, at the
earlier of its receipt or 72 hours after the same has been deposited in a regularly maintained
receptacle for the deposit of the United States mail, addressed and mailed as aforesaid, or, if
sent by facsimile with written confirmation, at the earlier of (i) 24 hours after confirmation of
transmission by the sending facsimile machine or (ii) delivery of written confirmation.

4

 

     9. Complete Agreement. This Agreement constitutes the entire agreement and
understanding of the parties hereto with respect to the subject matter hereof and supersedes all
prior agreements and understandings relating to such subject matter, whether oral or written.

     10. Modification or Amendment. Neither this Agreement nor any provision hereof can be
modified or changed, except by an instrument in writing, signed by the Company and the Investors.

     11. Pronouns. Whenever the context may require, any pronouns used in this Agreement
shall include the corresponding masculine, feminine or neuter forms, and the singular form of nouns
and pronouns shall include the plural, and vice versa.

     12. Counterparts; Facsimile Signatures. This Agreement may be executed in any number
of counterparts, each of which shall be deemed to be an original, and all of which together shall
constitute one and the same document. This Agreement may be executed by facsimile signatures.

     13. Section Headings. The section headings are for the convenience of the parties and
in no way alter, modify, amend, limit or restrict the contractual obligations of the parties.

[Signature page follows]

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     IN WITNESS WHEREOF, the parties hereto have caused this Shareholders’ Agreement to be executed
as of the date first above written.

	 	 	 
	ACROSS AMERICA REAL ESTATE CORP.

	 	 
	 
	 	 
	/s/ Ann L. Schmitt
	 	 
	 	 	 
	Name: Ann L. Schmitt
	 	 
	Title: Chief Executive Officer
	 	 
	 
	 	 
	INVESTORS:
	 	 
	 
	 	 
	BOCO INVESTMENTS, LLC
	 	 
	 
	 	 
	/s/ Joseph C. Zimlich 
	 	 
	 	 	 
	Name: Joseph C. Zimlich
	 	 
	Title: CEO
	 	 
	 
	 	 
	GDBA INVESTMENTS, LLLP
	 	 
	 
	 	 
	/s/ G. Brent Backman
	 	 
	 	 	 
	Name: G. Brent Backman
	 	 
	Title: Manager

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