Document:

THIS
      WARRANT AND THE SHARES OF COMMON STOCK PURCHASABLE HEREUNDER HAVE NOT BEEN
      REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES
      LAWS OF ANY STATE OR OTHER JURISDICTION AND MAY NOT BE SOLD, OFFERED FOR SALE
      OR
      OTHERWISE TRANSFERRED UNLESS REGISTERED OR QUALIFIED UNDER SAID ACT AND
      APPLICABLE STATE SECURITIES LAWS OR UNLESS THE COMPANY RECEIVES AN OPINION
      OF
      COUNSEL (WHO MAY BE AN EMPLOYEE OF SUCH HOLDER) REASONABLY SATISFACTORY TO
      THE
      COMPANY THAT REGISTRATION, QUALIFICATION OR OTHER SUCH ACTIONS ARE NOT REQUIRED
      UNDER SAID ACT. THE OFFERING OF THIS SECURITY HAS NOT BEEN REVIEWED OR APPROVED
      BY ANY STATE’S SECURITIES ADMINISTRATOR. THIS WARRANT AND THE SHARES OF COMMON
      STOCK PURCHASABLE HEREUNDER ARE ALSO BENEFITED BY AND SUBJECT TO A REGISTRATION
      RIGHTS AGREEMENT, DATED AS OF AUGUST 22, 2006, BY AND AMONG THE COMPANY AND
      THE
      OTHER PARTIES LISTED THEREIN, A COPY OF WHICH IS ON FILE WITH THE COMPANY AND
      WILL BE FURNISHED UPON WRITTEN REQUEST AND WITHOUT CHARGE.

     

    Dated: August
      22, 2006

     

    WARRANT

     

    TO
      PURCHASE 136,778 SHARES OF COMMON STOCK

     

    FREEDOM
      FINANCIAL GROUP, INC.

     

    EXPIRING
      AUGUST 22, 2011

     

    THIS
      IS
      TO CERTIFY THAT, for value received, Flagstone Capital, LLC, or registered
      assigns (the “Holder”)
      is
      entitled to purchase from FREEDOM FINANCIAL GROUP, INC., a Delaware corporation
      (the “Company”),
      at
      the Exercise Price (as hereinafter defined), the number of shares of voting
      Common Stock, par value $0.0001 per share (the “Common
      Stock”),
      of
      the Company shown above, all subject to adjustment and upon the terms and
      conditions as hereinafter provided, and is entitled also to exercise the other
      appurtenant rights, powers and privileges hereinafter described. This Warrant
      may be exercised and the Common Stock of the Company purchased in accordance
      with the terms hereof at any time and from time to time from the date hereof
      until 5:00 p.m., St. Louis, Missouri time on August 22, 2011 (the “Expiration
      Date”).
      If
      the Holder does not exercise the right to purchase all of the Shares of Common
      Stock subject to this Warrant by the Expiration Date, any such rights shall
      expire as of such Expiration Date and this Warrant shall thereafter be deemed
      null and void and of no further effect.

     

    Certain
      terms used in this Warrant are defined in Article V.

     

    
      
        
        

      

      
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    ARTICLE
      I

    EXERCISE
      OF WARRANTS

     

    1.1.  Method
      of Exercise.
      To
      exercise this Warrant in whole or in part, the Holder shall deliver to the
      Company, (a) this Warrant, (b) a written notice, in substantially the form
      of
      the Subscription Notice attached hereto, of such Holder’s election to exercise
      this Warrant, which notice shall specify the number of shares of Common Stock
      to
      be purchased, the denominations of the share certificate or certificates
      desired, and the name or names in which such certificates are to be registered,
      and (c) payment of the Exercise Price with respect to such shares.
      Notwithstanding the foregoing, this Warrant shall be exercisable only to the
      extent and at the time or times that the Holder could legally take possession
      and title of such shares. Payment made pursuant to clause (c) above may be
      made,
      at the option of the Holder by cash, money order, certified or bank cashier’s
      check or wire transfer.

     

    The
      Company shall, as promptly as practicable and in any event within three Business
      Days thereafter, execute and deliver or cause to be executed and delivered,
      in
      accordance with such notice, a certificate or certificates representing the
      aggregate number and type of shares of Common Stock specified in said notice.
      The share certificate or certificates so delivered shall be in such
      denominations as may be specified in such notice or, if such notice shall not
      specify denominations, shall be in the amount of the number of shares of Common
      Stock for which the Warrant is being exercised, and shall be issued in the
      name
      of the Holder or such other name or names as shall be designated in such notice,
      subject to Section 1.4. Such certificate or certificates shall be deemed to
      have
      been issued, and such Holder or any other Person so designated to be named
      therein shall be deemed for all purposes to have become a holder of record
      of
      such shares, as of the date the aforementioned notice and payment is received
      by
      the Company. If this Warrant shall have been exercised only in part, the Company
      shall, at the time of delivery of the certificate or certificates, deliver
      to
      the Holder a new Warrant evidencing the rights to purchase the remaining shares
      of Common Stock called for by this Warrant, which new Warrant shall in all
      other
      respects be identical with this Warrant, or, at the request of the Holder,
      appropriate notation may be made on this Warrant which shall then be returned
      to
      the Holder. The Company shall pay all expenses, taxes and other charges payable
      in connection with the preparation, issuance and delivery of share certificates
      and new Warrants, except that, if share certificates or new Warrants shall
      be
      registered in the name or names other than the name of the Holder, funds
      sufficient to pay all transfer taxes payable as a result of such transfer shall
      be paid by the Holder at the time of delivering the aforementioned notice of
      exercise or promptly upon receipt of a written request of the Company for
      payment.

     

    1.2.  Shares
      To Be Fully Paid and Nonassessable.
      All
      shares of Common Stock issued upon the exercise of this Warrant shall be validly
      issued, fully paid and nonassessable and free from all preemptive rights of
      any
      stockholder, and from all taxes, liens and charges with respect to the issue
      thereof (other than transfer taxes).

     

    1.3.  No
      Fractional Shares To Be Issued.
      The
      Company shall not be required to issue fractions of shares of Common Stock
      upon
      exercise of this Warrant. If any fraction of a share would, but for this
      Section, be issuable upon any exercise of this Warrant, and if the Company
      shall
      have elected not to issue such fraction of a share, in lieu of such fractional
      share the Company shall pay to the Holder, in cash, an amount equal to such
      fraction of the Fair Market Value per share of outstanding Common Stock of
      the
      Company on the Business Day immediately prior to the date of such
      exercise.

     

    
      
        
        

      

      
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    1.4.  Share
      Legend.
      Each
      certificate for shares of Common Stock issued upon exercise of this Warrant,
      unless at the time of exercise such shares are registered under the Securities
      Act, shall bear the following legend:

     

    
      “THIS
        SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED,
        OR UNDER THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION AND MAY NOT
        BE
        SOLD, OFFERED FOR SALE OR OTHERWISE TRANSFERRED UNLESS REGISTERED OR QUALIFIED
        UNDER SAID ACT AND APPLICABLE STATE SECURITIES LAWS OR UNLESS THE COMPANY
        RECEIVES AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY THAT
        REGISTRATION, QUALIFICATION OR OTHER SUCH ACTIONS ARE NOT REQUIRED UNDER
        SAID
        ACT. THE OFFERING OF THIS SECURITY HAS NOT BEEN REVIEWED OR APPROVED BY ANY
        STATE SECURITIES ADMINISTRATOR. THIS SECURITY IS ALSO BENEFITED BY AND SUBJECT
        TO A REGISTRATION RIGHTS AGREEMENT, DATED AS OF AUGUST 22, 2006, BETWEEN
        THE
        COMPANY AND THE OTHER PARTIES LISTED THEREIN, A COPY OF WHICH IS ON FILE
        WITH
        THE COMPANY AND WILL BE FURNISHED UPON WRITTEN REQUEST AND WITHOUT
        CHARGE.”

    

     

    Any
      certificate issued at any time in exchange or substitution for any certificate
      bearing such legend (except a new certificate issued upon completion of a public
      distribution pursuant to a registration statement under the Securities Act)
      shall also bear such legend unless, in the opinion of counsel selected by or
      reasonably satisfactory to, the Company, the securities represented thereby
      are
      no longer subject to restrictions on resale under the Securities
      Act.

     

    1.5.  Reservation;
      Authorization.
      The
      Company has reserved and will keep available for issuance upon exercise of
      the
      Warrants the total number of shares of Common Stock deliverable upon exercise
      of
      all Warrants from time to time outstanding. The issuance of such shares has
      been
      duly and validly authorized and, when issued and sold in accordance with the
      Warrants, such shares will be duly and validly issued, fully paid and
      nonassessable.

     

    ARTICLE
      II

    TRANSFER,
      EXCHANGE AND REPLACEMENT OF WARRANTS

     

    2.1.  Transfer
      Agent.
      The
      Company shall perform the obligations provided herein at its address at 3058
      East Elm Street, Springfield, Missouri 65802 or such other address as the
      Company shall specify by notice to all Warrantholders, or at the offices of
      the
      Company’s transfer agent (the “Transfer
      Agent”).

     

    
      
        
        

      

      
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    2.2.  Ownership
      of Warrant.
      The
      Company may deem and treat the Person in whose name this Warrant is registered
      as the holder and owner hereof (notwithstanding any notations of ownership
      or
      writing hereon made by any Person other than the Transfer Agent) for all
      purposes and shall not be affected by any notice to the contrary, until
      presentation of this Warrant for registration of transfer as provided in this
      Article II.

     

    2.3.  Transfer
      of Warrant.
      The
      Company agrees to maintain at the Transfer Agent books for the registration
      of
      transfers of the Warrants, and transfer of this Warrant and all rights hereunder
      shall be registered, in whole or in part, on such books, upon surrender of
      this
      Warrant at the Transfer Agent, together with a written assignment of this
      Warrant duly executed by the Holder or his duly authorized agent or attorney,
      with (unless the Holder is the original Warrantholder) signatures guaranteed
      by
      a bank or trust company or a broker or dealer registered with the NASD, and
      funds sufficient to pay any transfer taxes payable upon such transfer. Upon
      surrender, the Company shall execute and deliver a new Warrant or Warrants
      in
      the name of the assignees and in the denominations specified in the instrument
      of assignment, and this Warrant shall promptly be cancelled. Notwithstanding
      the
      foregoing, a Warrant may be exercised by a new holder in accordance with the
      procedures set forth herein without having a new Warrant issued. The Transfer
      Agent shall not be required to register any transfers if the Holder fails to
      furnish to the Company, after a request therefor, an opinion of counsel
      reasonably satisfactory to the Company that such transfer is exempt from the
      registration requirements of the Securities Act.

     

    2.4.  Division
      or Combination of Warrants.
      This
      Warrant may be divided or combined with other Warrants upon surrender hereof
      and
      of any Warrant or Warrants with which this Warrant is to be combined, together
      with a written notice specifying the names and denominations in which the new
      Warrant or Warrants are to be issued, signed by the holders hereof and thereof
      or their respective duly authorized agents or attorneys. Subject to compliance
      with Section 2.3 as to any transfer which may be involved in the division or
      combination, the Company shall execute and deliver a new Warrant or Warrants
      in
      exchange for the Warrant or Warrants to be divided or combined in accordance
      with such notice.

     

    2.5.  Loss,
      Theft, Destruction or Mutilation of Warrants.
      Upon
      receipt of evidence satisfactory to the Company of the loss, theft, destruction
      or mutilation of any Warrant and, in the case of any such loss, theft or
      destruction, upon receipt of indemnity or security reasonably satisfactory
      to
      the Company (the original Warrantholder’s indemnity being satisfactory indemnity
      in the event of loss, theft or destruction of any Warrant owned by such holder),
      or, in the case of any such mutilation, upon surrender and cancellation of
      such
      Warrant, the Company will make and deliver, in lieu of such lost, stolen,
      destroyed or mutilated Warrant, a new Warrant of like tenor and representing
      the
      right to purchase the same aggregate number of shares of Common Stock as
      provided for in such lost, stolen, destroyed or mutilated Warrant.

     

    2.6.  Expenses
      of Delivery of Warrants.
      The
      Company shall pay all expenses, taxes (other than transfer taxes or income
      taxes
      of a Holder) and other charges payable in connection with the preparation,
      issuance and delivery of Warrants and shares issuable upon exercise of the
      Warrants hereunder.

     

    
      
        
        

      

      
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    2.7.  Restrictions
      on Transfer and Division.
      No
      division, assignment or transfer of the rights of a Warrantholder under a
      Warrant shall be effective with respect to other than whole shares of Common
      Stock, unless such assignment or transfer is of all of the rights of such
      Warrantholder under such Warrant.

     

    ARTICLE
      III

    CERTAIN
      RIGHTS

     

    3.1.  Registration
      Rights.
      The
      Common Stock issuable upon exercise of this Warrant is entitled to the benefits
      of the Registration Rights Agreement dated as of August 22, 2006, by and between
      the Company and Flagstone Capital, LLC (the “Registration
      Rights Agreement”).
      The
      Company shall keep a copy of the Registration Rights Agreement, and any
      amendments thereto, at the Transfer Agent and shall furnish copies thereof
      to
      the Holder upon request.

     

    3.2.  Contest
      and Appraisal Rights.
      Upon
      each determination of Fair Market Value hereunder (other than a determination
      relating solely to setting the value of fractional shares), the Company shall
      promptly give notice thereof to all Warrantholders, setting forth in reasonable
      detail the calculation of such Fair Market Value and the method and basis of
      determination thereof, as the case may be. If the Holders shall disagree with
      such determination and shall, by notice to the Company given within 30 days
      after the Company’s notice of such determination, elect to dispute such
      determination, such dispute shall be resolved in accordance with this Section
      3.2. In the event that a determination of Market Price, or a determination
      of
      Fair Market Value solely involving Market Price, is disputed, such dispute
      shall
      be submitted, at the Company’s expense, to a New York Stock Exchange member firm
      selected by the Company and acceptable to the Warrantholders, whose
      determination of Fair Market Value and/or Market Price, as the case may be,
      shall be binding on the Company and the Warrantholders. In the event that a
      determination of Fair Market Value, other than a determination solely involving
      Market Price, is disputed, such dispute shall be resolved through the Appraisal
      Procedure.

     

    3.3.  Certain
      Covenants.
      The
      Company covenants and agrees that, until exercise or cancellation of this
      Warrant, the Company will deliver, as soon as available: reports similar to
      that
      provided to other stockholders; any and all reports filed by the Company under
      the Securities Act and the Exchange Act including without limitation forms
      10-K,
      10-Q and 8-K; and any and all press releases of the Company.

     

    3.4.  Voting
      Rights.
      The
      Company’s Certificate of Incorporation and bylaws shall not be amended or
      modified if such amendment or modification changes the existing voting rights
      of
      the shares of Common Stock into which this Warrant may be converted and the
      voting rights of other shares of common stock are not so amended or modified.
      Issuance of other classes of capital stock of the Company with different voting
      rights than those of the Common Stock shall not be treated as amending or
      modifying the voting rights of the existing Common Stock.

     

    
      
        
        

      

      
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    ARTICLE
      IV

    ANTIDILUTION
      PROVISIONS

     

    4.1.  Adjustments
      Generally.
      The
      Exercise Price and the number of shares of Common Stock (or other securities
      or
      property) issuable upon exercise of this Warrant shall be subject to adjustment
      from time to time upon the occurrence of certain events, as provided in this
      Article IV.

     

    4.2.  Common
      Stock Reorganization.
      (a) If
      the Company shall after the date of issuance of this Warrant subdivide its
      outstanding shares of Common Stock into a greater number of shares or
      consolidate its outstanding shares of Common Stock into a smaller number of
      shares (any such event being called a “Common
      Stock Reorganization”),
      then
      (i) the Exercise Price shall be adjusted, effective immediately after the record
      date at which the holders of shares of Common Stock are determined for purposes
      of such Common Stock Reorganization, to a price determined by multiplying the
      Exercise Price in effect immediately prior to such record date by a fraction,
      the numerator of which shall be the number of shares of Common Stock outstanding
      on such record date before giving effect to such Common Stock Reorganization
      and
      the denominator of which shall be the number of shares of Common Stock
      outstanding after giving effect to such Common Stock Reorganization, and (ii)
      the number of shares of Common Stock subject to purchase upon exercise of this
      Warrant shall be adjusted, effective at such time, to a number determined by
      multiplying the number of shares of Common Stock subject to purchase immediately
      before such Common Stock Reorganization by a fraction, the numerator of which
      shall be the number of shares outstanding after giving effect to such Common
      Stock Reorganization and the denominator of which shall be the number of shares
      of Common Stock outstanding immediately before such Common Stock
      Reorganization.

     

    (b) If
      the
      Company shall after the date of issuance of this Warrant issue or distribute
      to
      all holders of shares of Common Stock, additional Common Stock of the Company,
      (a “Stock
      Dividend”),
      then
      (i) the Exercise Price shall be adjusted, effective immediately after the record
      date at which the holders of shares of Common Stock are determined for purposes
      of such Stock Dividend, to a price determined by multiplying the Exercise Price
      in effect immediately prior to such record date by a fraction, the numerator
      of
      which shall be the number of shares of Common Stock outstanding on such record
      date and the denominator of which shall be the number of shares of Common Stock
      outstanding after giving effect to such Stock Dividend, and (ii) the number
      of
      shares of Common Stock subject to purchase upon exercise of this Warrant shall
      be adjusted, effective at such time, to a number determined by multiplying
      the
      number of shares of Common Stock subject to purchase immediately before such
      Stock Dividend by a fraction, the numerator of which shall be the number of
      shares of Common Stock outstanding after giving effect to such Stock Dividend
      and the denominator of which shall be the number of shares of Common Stock
      outstanding immediately before such Stock Dividend.

     

    4.3.  Common
      Stock Distribution.
      (a) If
      the Company shall, before the Loan Liquidation Date, issue or otherwise sell
      or
      distribute any shares of Common Stock, sell, distribute or otherwise grant
      in
      any manner (whether directly or by assumption in a merger or otherwise) any
      rights to subscribe for or to purchase, or any warrants or options (excluding
      warrants or options to employees of the Company or its subsidiaries) for the
      purchase of, Common Stock or any stock or securities convertible into or
      exchangeable for Common Stock (such rights, warrants or options being herein
      called “Options” and such convertible or exchangeable stock or securities being
      herein called “Convertible Securities”), otherwise than pursuant to a Common
      Stock Reorganization or Stock Dividend (any such event, being herein called
      a
“Common Stock Distribution”), if such Common Stock Distribution shall be for a
      consideration per share less than the Exercise Price in effect on the date
      of
      such Common Stock Distribution, then, effective upon such Common Stock
      Distribution, the Exercise Price for each Warrant shall be reduced to a price
      determined by multiplying such Exercise Price by a fraction, (A) the numerator
      of which shall be (1) the number of shares of Common Stock outstanding (or
      deemed to be outstanding) immediately prior to such Common Stock Distribution,
      plus (2) the number of shares of Common Stock which the aggregate consideration
      received by the Company in such Common Stock Distribution would purchase at
      the
      Exercise Price (as hereinafter defined), and (B) the denominator of which shall
      be (1) the number of shares of Common Stock outstanding (or deemed to be
      outstanding) immediately prior to such Common Stock Distribution, plus (2)
      the
      number of shares of such additional stock so issued or sold (or deemed issued
      or
      sold) in the Common Stock Distribution.

     

    
      
        
        

      

      
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    The
      provisions of this paragraph (a) shall not operate to increase the Exercise
      Price or to reduce the number of shares of Common Stock subject to purchase
      upon
      exercise of this Warrant.

     

    (b) If
      any
      shares of Common Stock, Options or Convertible Securities shall be issued,
      sold
      or distributed for cash, the consideration received therefor shall be deemed
      to
      be the amount received by the Company therefor net of any underwriting
      commissions or concessions paid or allowed by the Company in connection
      therewith. If any shares of Common Stock, Options or Convertible Securities
      shall be issued, sold or distributed for a consideration other than cash, the
      amount of the consideration other than cash received by the Company shall be
      deemed to be the Fair Market Value of such consideration, after deduction of
      any
      expenses incurred and any underwriting commissions or concessions paid or
      allowed by the Company in connection therewith. If any shares of Common Stock
      Options or Convertible Securities shall be issued in connection with any merger
      in which the Company is the surviving corporation, the amount of consideration
      therefor shall be deemed to be the Fair Market Value of such portion of the
      assets and business of the nonsurviving corporation as shall be attributable
      to
      such Common Stock, Options or Convertible Securities, as the case may be. If
      any
      Options shall be issued in connection with the issue and sale of other
      securities of the Company, together comprising one integral transaction in
      which
      no specific consideration is allocated to such Options by the parties thereto,
      such Options shall be deemed to have been issued without
      consideration.

     

    (c) If
      the
      Company shall take a record of the holders of the Common Stock for the purpose
      of entitling them to receive a dividend or other distribution payable in Common
      Stock, Options or Convertible Securities or to subscribe for or purchase Common
      Stock, Options or Convertible Securities, then such record date shall be deemed
      to be the date of the issue, sale, distribution or grant of the shares of Common
      Stock deemed to have been issued or sold upon the declaration of such dividend
      or the making of such other distribution or the date of the granting of such
      right of subscription or purchase, as the case may be.

     

    (d) For
      purposes of determining whether any adjustment is required pursuant to this
      Article IV any security of the Company having rights substantially equivalent
      to
      the Common Stock as to dividends or upon liquidation dissolution or winding
      up
      of the Company shall be treated as if such security were Common
      Stock.

     

    
      
        
        

      

      
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    4.4.  Notice
      of Adjustment.
      Not
      less than 30 nor more than 40 days prior to the record date or effective date,
      as the case may be, of any action which requires or might require an adjustment
      or readjustment pursuant to this Article IV, the Company shall give notice
      to
      each Warrantholder of such event, describing such event in reasonable detail
      and
      specifying the record date or effective date, as the case may be, and, if
      determinable, the required adjustment and the computation thereof. It the
      required adjustment is not determinable at the time of such notice, the Company
      shall give notice to each Warrantholder of such adjustment and computation
      promptly after such adjustment becomes determinable. If no Holder objects to
      any
      such notice within 30 days of receipt of the Company’s notice, the adjustment
      will be deemed accepted by the Holders. 

     

    4.5.  Exercise
      in Event of a Dividend or Capital Reorganization.
      After
      the date of the issuance of this Warrant, in the event the Company (i) issues
      any dividend on the Common Stock other than a Stock Dividend or (ii)
      participates in a consolidation or merger, other than a consolidation or merger
      in which the Company is a continuing corporation and does not result in any
      reclassification or change (other than a Common Stock Reorganization, Stock
      Dividend or a change in par value), in outstanding shares of Common Stock,
      or
      (iii) participates in any sale or conveyance of the property of the Company
      as
      an entirety or substantially as an entirety, the Holder shall have not less
      than
      fifteen (15) days following receipt of written notice of such transaction (or
      the possibility of such transaction) in which to exercise the Holder’s rights
      under this Warrant to purchase shares of Common Stock hereunder prior to the
      date such transaction becomes effective and thereby be treated as holder of
      Common Stock as of the date such transaction is consummated.

     

    4.6.  Preferred
      Stock Conversion.
      As of
      the date of issuance of this Warrant, the Company is in the process of
      converting certain preferred stock to common stock pursuant to a plan approved
      by the Bankruptcy Court on March 27, 2006 (the “PS
      Conversion”).
      The
      Holder is aware of the PS Conversion and, notwithstanding anything in this
      Warrant to the contrary, none of the Anti-Dilution provisions of Article IV
      shall apply to any modification or change in the capital structure or any
      distributions made in connection with the PS Conversion. This Warrant is
      expressly granted in contemplation of, and the rights hereunder shall be
      effective as if, the PS Conversion has been completed. The maximum number of
      shares of Common Stock to be issued under the PS Conversion shall not exceed
      8,994,357 (excluding the Common Stock to be issued pursuant to the warrants
      granted to the holders of this Warrant and the warrants granted to Heartland
      Bank).

     

    ARTICLE
      V

    DEFINITIONS

     

    The
      following terms, as used in this Warrant, have the following respective
      meanings:

     

    “Appraisal
      Procedure”
means
      a
      procedure whereby two independent appraisers, one chosen by the Company and
      one
      by the Holder, shall mutually agree upon the determinations then the subject
      of
      appraisal. Each party shall deliver a notice to the other appointing its
      appraiser within 15 days after the Appraisal Procedure is invoked. If within
      30
      days after appointment of the two appraisers they are unable to agree upon
      the
      amount in question, a third independent appraiser shall be chosen within 10
      days
      thereafter by the mutual consent of such first two appraisers or, if such first
      two appraisers fail to agree upon the appointment of a third appraiser, such
      appointment shall be made by the American Arbitration Association, or any
      organization successor thereto, from a panel of arbitrators having experience
      in
      the appraisal of the subject matter to be appraised. The decision of the third
      appraiser so appointed and chosen shall be given within 30 days after the
      selection of such third appraiser. If three appraisers shall be appointed and
      the determination of one appraiser is disparate from the middle determination
      by
      more than twice the amount by which the other determination is disparate from
      the middle determination, then the determination of such appraiser shall be
      excluded, the remaining two determinations shall be averaged and such average
      shall be binding and conclusive on the Company and the Warrantholders; otherwise
      the average of all three determinations shall be binding and conclusive on
      the
      Company and the Warrantholders. The costs of conducting any Appraisal Procedure
      shall be borne by the Warrantholders requesting such Appraisal Procedure, except
      (a) the fees and expenses of the appraiser appointed by the Company and any
      costs incurred by the Company shall be borne by the Company and (b) if such
      Appraisal Procedure shall result in a determination that is disparate by 10%
      or
      more to the benefit of the holder from the Company's initial determination,
      all
      costs of conducting such Appraisal Procedure shall be borne by the
      Company.

     

    
      
        
        

      

      
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    “Business
      Day”
shall
      mean (a) if any class of Common Stock is listed or admitted to trading on a
      national securities exchange, a day on which the principal national securities
      exchange on which such class of Common Stock is listed or admitted to trading
      is
      open for business or (b) if no class of Common Stock is so listed or admitted
      to
      trading, a day on which any New York Stock Exchange member firm is open for
      business.

     

    “Closing
      Price”
with
      respect to any security on any day means (a) if such security is listed or
      admitted for trading on a national securities exchange, the reported last sales
      price regular way or, if no such reported sale occurs on such day, the average
      of the closing bid and asked prices regular way on such day, in each case as
      reported in the principal consolidated transaction reporting system with respect
      to securities listed on the principal national securities exchange on which
      such
      class of security is listed or admitted to trading, or (b) if such security
      is
      not listed or admitted to trading on any national securities exchange, the
      last
      quoted sales price, or, if not so quoted, the average of the high bid and low
      asked prices in the over the counter market on such day as reported by NASDAQ
      or
      any comparable system then in use or, if not so reported, as reported by any
      New
      York Stock Exchange member firm reasonably selected by the Company for such
      purpose.

     

    “Common
      Stock”
shall
      have the meaning set forth in the first paragraph of this Warrant subject to
      adjustment pursuant to Article IV.

     

    “Common
      Stock Distribution”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Common
      Stock Reorganization”
shall
      have the meaning set forth in Section 4.2.

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

     

    “Company”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    “Convertible
      Securities”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Exchange
      Act”
means
      the Securities Exchange Act of 1934, as amended, and any similar or successor
      federal statute, and the rules and regulations of the Securities and Exchange
      Commission (or its successor) thereunder, all as the same shall be in effect
      at
      the time.

     

    “Exercise
      Price”
shall
      mean $0.63.

     

    “Fair
      Market Value”
means
      the fair market value of the business or property in question, as determined
      in
      good faith by the Board of Directors of the Company, provided, however, that
      the
      Fair Market Value of any security for which a Closing Price is available shall
      be the Market Price of such security. The Fair Market Value of the Company
      shall
      be the Fair Market Value of the Company and its subsidiaries as a going concern.
      Notwithstanding the foregoing, if, at any date of determination of the Fair
      Market Value of the Company, the Common Stock of any class shall then be
      publicly traded, the Fair Market Value of the Company on such date shall be
      the
      Market Price on such date multiplied by the number of shares of Common Stock
      on
      a fully diluted basis, giving effect to any consideration to be paid to the
      Company in connection with the exercise or conversion of any security.
      Notwithstanding the foregoing, the Fair Market value of shares of Common Stock
      to be issued in connection with the grant of employee stock options will be
      deemed to be, if lower, the Closing Price on the date of such sale or
      grant.

     

    “Holder”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    “Loan
      Liquidation Date”
means
      the date of the satisfaction and retirement in full of the indebtedness owing
      from the Company to Heartland Bank, its successors and assigns, as such
      indebtedness is evidenced by a Revolving Credit Loan and Security Agreement
      dated August 18, 2006 between Company and Heartland Bank, providing for a
      revolving credit facility in the principal face amount of $3,000,000, as said
      Agreement may be extended, amended, renewed or restated.

     

    “Market
      Price”
with
      respect to any security on any day means the average of the daily Closing Prices
      of a share or unit of such security for the 10 consecutive Business Days ending
      on the most recent Business Day for which a Closing Price is available;
      provided, however, that in the event that, in the case of Common Stock, the
      Market Price is determined during a period following the announcement by the
      Company of (A) a dividend or distribution of Common Stock, or (B) any
      subdivision, combination or reclassification of Common Stock and prior to the
      expiration of 20 Business Days after the ex dividend date for such dividend
      or
      distribution, or the record date for such subdivision, combination or
      reclassification, then, and in each such case, the Market Price shall be
      appropriately adjusted to reflect the current market price per share equivalent
      of Common Stock.

     

    “NASD”
means
      The National Association of Securities Dealers, Inc.

     

    “NASDAQ”
means
      The National Association of Securities Dealers, Inc. Automated Quotation
      System.

     

    
      
        
        

      

      
        10

        
          

        

      

      
        
        

      

    

     

    “Options”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Registrable
      Security”
shall
      have the meaning set forth in the Registration Rights Agreement among the
      Company and the Holders of the Warrants.

     

    “Registration
      Rights Agreement”
shall
      have the meaning set forth in Section 3.1.

     

    “Securities
      Act”
shall
      mean the Securities Act of 1933, as amended, and any similar or successor
      federal statute, and the rules and regulations of the Securities and Exchange
      Commission for its successor) thereunder, all as the sane shall be in effect
      at
      the time.

     

    “Warrantholder”
means
      a
      holder of a Warrant.

     

    “Warrants”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    ARTICLE
      VI

    MISCELLANEOUS

     

    6.1.  Notices.
      All
      notices, requests, consents and other communications provided for herein shall
      be in writing and shall be effective upon delivery in person, faxed, mailed
      by
      certified or registered mail, return receipt requested, postage pre paid, or
      by
      national overnight delivery service (e.g. Federal Express or UPS), addressed
      as
      follows:

     

    (i) if
      to the
      Company, to Freedom Financial Group, Inc., 3058 East Elm Street, Springfield,
      Missouri 65802, Attention: President; with a copy to Shughart Thomson &
Kilroy, 901 St. Louis Avenue, Suite 1200, Springfield, Missouri 65806,
      Attention: Tom O’Neal;

     

    (ii) if
      to the
      initial Holder of Warrants, to Flagstone Capital, LLC, at 7733 Forsyth
      Boulevard, 19th
      Floor,
      St. Louis, Missouri 63105, and if to any subsequent Holder of Warrants, to
      it at
      such address as may have been furnished to the Company in writing by such
      Holder;

     

    or,
      in
      any case, at such other address or addresses as shall have been furnished in
      writing to the Company (in the case of a holder of Warrants) or to the Holders
      of Warrants (in the case of the Company) in accordance with the provisions
      of
      this paragraph.

     

    6.2.  Waivers;
      Amendments.
      No
      failure or delay of the Holder in exercising any power or right hereunder shall
      operate as a waiver thereof, nor shall any single or partial exercise of any
      such right or power, or any abandonment or discontinuance of steps to enforce
      such a right or power, preclude any other or further exercise thereof or the
      exercise of any other right or power. The rights and remedies of the Holder
      are
      cumulative and not exclusive of any rights or remedies which it would otherwise
      have. The provisions of this Warrant may be amended, modified or waived with
      (and only with) the written consent of the Company and the Holder. The
      provisions of the Registration Rights Agreement may be amended, modified or
      waived only in accordance with the respective provisions thereof.

     

    
      
        
        

      

      
        11

        
          

        

      

      
        
        

      

    

     

    Any
      such
      amendment, modification or waiver effected pursuant to this Section or the
      applicable provisions of the Registration Rights Agreement shall be binding
      upon
      the holders of all Warrants and Warrant Shares, upon each future holder thereof
      and upon the Company. In the event of any such amendment, modification or waiver
      the Company shall give prompt notice thereof to all Warrantholders and, if
      appropriate, notation thereof shall be made on all Warrants thereafter
      surrendered for registration of transfer or exchange.

     

    No
      notice
      or demand on the Company in any case shall entitle the Company to any other
      or
      further notice or demand in similar or other circumstances.

     

    6.3.  Governing
      Law.
      This
      Warrant shall be construed in accordance with and governed by the laws of the
      State of Delaware without regard to principles of conflicts of law.

     

    6.4.  Survival
      of Agreements; Representations and Warranties etc. 
      All representations, warranties and covenants made by the Company herein or
      in
      any certificate or other instrument delivered by or on behalf of it in
      connection with the Warrants shall be considered to have been relied upon by
      the
      Holder and shall survive the issuance and delivery of the Warrants, regardless
      of any investigation made by the Holder, and shall continue in full force and
      effect so long as any Warrant is outstanding. All statements in any such
      certificate or other instrument shall constitute representations and warranties
      hereunder.

     

    6.5.  Covenants
      to Bind Successor and Assigns.
      All
      covenants, stipulations, promises and agreements in this Warrant contained
      by or
      on behalf of the Company shall bind its successors and assigns, whether so
      expressed or not.

     

    6.6.  Severability.
      In case
      any one or more of the provisions contained in the Registration Rights Agreement
      or this Warrant shall be invalid, illegal or unenforceable in any respect,
      the
      validity, legality or enforceability of the remaining provisions contained
      herein and therein shall not in any way be affected or impaired thereby. The
      parties shall endeavor in good faith negotiations to replace the invalid,
      illegal or unenforceable provisions with valid provisions the economic effect
      of
      which comes as close as possible to that of the invalid, illegal or
      unenforceable provisions.

     

    6.7.  Section
      Headings.
      The
      sections headings used herein are for convenience of reference only, are not
      part of this Warrant and are not to affect the construction of or be taken
      into
      consideration in interpreting this Warrant.

     

    6.8.  No
      Rights as Stockholder.
      This
      Warrant shall not entitle the Holder to any rights as a stockholder of the
      Company.

     

    6.9.  No
      Impairment.
      The
      Company shall not by any action including, without limitation, amending its
      certificate of incorporation or through any reorganization, transfer of assets,
      consolidation, merger, dissolution, issue or sale of securities or any other
      voluntary action, avoid or seek to avoid the observance or performance of any
      at
      the terms of this Warrant, but will at all times in good faith assist in the
      carrying out of all such terms and in the taking of all such actions as may
      be
      necessary or appropriate to protect the rights of the Holder against impairment.
      Without limiting the generality of the foregoing, the Company will (a) not,
      directly or indirectly, increase the par value of any shares of Common Stock
      receivable upon the exercise of this warrant above the amount payable therefor
      upon such exercise immediately prior to such increase in par value, (b) take
      all
      such action as may be necessary or appropriate in order that the Company may
      validly and legally issue fully paid and nonassessable shares of Common Stock
      upon the exercise of this warrant, and (c) use its commercially reasonable
      best
      efforts to obtain all such authorizations exemptions or consents from any public
      regulatory body having jurisdiction thereof as may be necessary to enable the
      Company to perform its obligations under this Warrant.

     

    
      
        
        

      

      
        12

        
          

        

      

      
        
        

      

    

     

    6.10.  Submission
      to Jurisdiction; Venue.
      (a) Any
      legal action or proceeding with respect to this Warrant may be brought in the
      courts of the State of Missouri located in St. Louis County or of the United
      States for the Eastern District of Missouri, and, by execution and delivery
      of
      this Warrant, the Company irrevocably accepts for itself and in respect of
      its
      property, generally and unconditionally, the non-exclusive jurisdiction of
      the
      aforesaid courts.

     

    (b) The
      Company hereby irrevocably waives any objection which it may now or hereafter
      have to the laying of venue of any of the aforesaid actions or proceedings
      arising out of or in connection with this Warrant brought in the courts referred
      to in clause (a) above and hereby further irrevocably waives and agrees not
      to
      plead or claim in any such court that any such action or proceeding brought
      in
      any such court has been brought in an inconvenient forum.

    

     

    [Next
      Page is Signature Page]

     

    
      
        
        

      

      
        13

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, Freedom Financial Group, Inc. has caused this Warrant to be
      executed in its corporate name by one of its officers hereunto duly authorized,
      and attested by its Secretary or an Assistant Secretary, all as of the day
      and
      year first above written.

     

    
       

      
        	 	
                FREEDOM
                  FINANCIAL GROUP, INC.

              
	 	 
	 	 
	 	
                By:
                  /s/ Jerald L. Fenstermaker

              
	 	
                      
                  Jerald L. Fenstermaker, President

              

      

       

       

    

    Attest:

    

    

    ___________________________________

    Name:
      ______________________________

    Title:
      _______________________________

    

     

    
      
        
        

      

      
        14

        
          

        

      

      
        
        

      

    

    SUBSCRIPTION
      NOTICE

     

    (To
      be
      executed upon exercise of Warrant)

     

     

    TO: FREEDOM
      FINANCIAL GROUP, INC.

     

    The
      undersigned hereby irrevocably elects to exercise the right to purchase
      represented by the attached Warrant for, and to purchase thereunder, ___________
      shares of voting Common Stock, as provided for therein, and tenders herewith
      payment of the Exercise Price in full in accordance with the terms of the
      attached Warrant.

     

    Please
      issue a certificate or certificates for such shares of Common Stock in the
      following name or names and denominations:

     

    If
      said
      number of shares shall not be all the shares issuable upon exercise of the
      attached Warrant, a new warrant is to be issued in the name of the undersigned
      for the balance remaining of such shares less any fraction of a share paid
      in
      cash.

     

    Dated:_________________________,
      20____.

     

    

    
       

      
        	 	 
	 	
                Note:

              	
                The
                  above signature should correspond exactly with the name on the
                  face of the
                  attached Warrant or with the name of the assignee appearing in
                  the
                  assignment form below.

              

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    ASSIGNMENT

     

    (To
      be
      executed upon assignment of Warrant)

     

    

     

    For
      value
      received, ________________________ hereby sells, assigns and transfers unto
      ________________________________ the attached Warrant, together with all rights,
      title and interest therein, and does hereby irrevocably constitute and appoint
      ___________ _____________________ attorney to transfer said Warrant on the
      books
      of Freedom Financial Group, Inc., with full power of substitution in the
      premises,

    
       

       

      
        	 	 
	 	
                Note:

              	
                The
                  above signature should correspond exactly with the name on the
                  face of the
                  attached Warrant.

              

      

       

       

      
        
          
          

        

        
          2THIS
      WARRANT AND THE SHARES OF COMMON STOCK PURCHASABLE HEREUNDER HAVE NOT BEEN
      REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR UNDER THE SECURITIES
      LAWS OF ANY STATE OR OTHER JURISDICTION AND MAY NOT BE SOLD, OFFERED FOR SALE
      OR
      OTHERWISE TRANSFERRED UNLESS REGISTERED OR QUALIFIED UNDER SAID ACT AND
      APPLICABLE STATE SECURITIES LAWS OR UNLESS THE COMPANY RECEIVES AN OPINION
      OF
      COUNSEL (WHO MAY BE AN EMPLOYEE OF SUCH HOLDER) REASONABLY SATISFACTORY TO
      THE
      COMPANY THAT REGISTRATION, QUALIFICATION OR OTHER SUCH ACTIONS ARE NOT REQUIRED
      UNDER SAID ACT. THE OFFERING OF THIS SECURITY HAS NOT BEEN REVIEWED OR APPROVED
      BY ANY STATE’S SECURITIES ADMINISTRATOR. THIS WARRANT AND THE SHARES OF COMMON
      STOCK PURCHASABLE HEREUNDER ARE ALSO BENEFITED BY AND SUBJECT TO A REGISTRATION
      RIGHTS AGREEMENT, DATED AS OF AUGUST 22, 2006, BY AND AMONG THE COMPANY AND
      THE
      OTHER PARTIES LISTED THEREIN, A COPY OF WHICH IS ON FILE WITH THE COMPANY AND
      WILL BE FURNISHED UPON WRITTEN REQUEST AND WITHOUT CHARGE.

     

    Dated: August
      22, 2006

     

    WARRANT

     

    TO
      PURCHASE 91,185 SHARES OF COMMON STOCK

     

    FREEDOM
      FINANCIAL GROUP, INC.

     

    EXPIRING
      AUGUST 22, 2011

     

    THIS
      IS
      TO CERTIFY THAT, for value received, Flagstone Capital, LLC, or registered
      assigns (the “Holder”)
      is
      entitled to purchase from FREEDOM FINANCIAL GROUP, INC., a Delaware corporation
      (the “Company”),
      at
      the Exercise Price (as hereinafter defined), the number of shares of voting
      Common Stock, par value $0.0001 per share (the “Common
      Stock”),
      of
      the Company shown above, all subject to adjustment and upon the terms and
      conditions as hereinafter provided, and is entitled also to exercise the other
      appurtenant rights, powers and privileges hereinafter described. This Warrant
      may be exercised and the Common Stock of the Company purchased in accordance
      with the terms hereof at any time and from time to time from the date hereof
      until 5:00 p.m., St. Louis, Missouri time on August 22, 2011 (the “Expiration
      Date”).
      If
      the Holder does not exercise the right to purchase all of the Shares of Common
      Stock subject to this Warrant by the Expiration Date, any such rights shall
      expire as of such Expiration Date and this Warrant shall thereafter be deemed
      null and void and of no further effect.

     

    Certain
      terms used in this Warrant are defined in Article V.

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    ARTICLE
      I

    EXERCISE
      OF WARRANTS

     

    1.1.  Method
      of Exercise.
      To
      exercise this Warrant in whole or in part, the Holder shall deliver to the
      Company, (a) this Warrant, (b) a written notice, in substantially the form
      of
      the Subscription Notice attached hereto, of such Holder’s election to exercise
      this Warrant, which notice shall specify the number of shares of Common Stock
      to
      be purchased, the denominations of the share certificate or certificates
      desired, and the name or names in which such certificates are to be registered,
      and (c) payment of the Exercise Price with respect to such shares.
      Notwithstanding the foregoing, this Warrant shall be exercisable only to the
      extent and at the time or times that the Holder could legally take possession
      and title of such shares. Payment made pursuant to clause (c) above may be
      made,
      at the option of the Holder by cash, money order, certified or bank cashier’s
      check or wire transfer.

     

    The
      Company shall, as promptly as practicable and in any event within three Business
      Days thereafter, execute and deliver or cause to be executed and delivered,
      in
      accordance with such notice, a certificate or certificates representing the
      aggregate number and type of shares of Common Stock specified in said notice.
      The share certificate or certificates so delivered shall be in such
      denominations as may be specified in such notice or, if such notice shall not
      specify denominations, shall be in the amount of the number of shares of Common
      Stock for which the Warrant is being exercised, and shall be issued in the
      name
      of the Holder or such other name or names as shall be designated in such notice,
      subject to Section 1.4. Such certificate or certificates shall be deemed to
      have
      been issued, and such Holder or any other Person so designated to be named
      therein shall be deemed for all purposes to have become a holder of record
      of
      such shares, as of the date the aforementioned notice and payment is received
      by
      the Company. If this Warrant shall have been exercised only in part, the Company
      shall, at the time of delivery of the certificate or certificates, deliver
      to
      the Holder a new Warrant evidencing the rights to purchase the remaining shares
      of Common Stock called for by this Warrant, which new Warrant shall in all
      other
      respects be identical with this Warrant, or, at the request of the Holder,
      appropriate notation may be made on this Warrant which shall then be returned
      to
      the Holder. The Company shall pay all expenses, taxes and other charges payable
      in connection with the preparation, issuance and delivery of share certificates
      and new Warrants, except that, if share certificates or new Warrants shall
      be
      registered in the name or names other than the name of the Holder, funds
      sufficient to pay all transfer taxes payable as a result of such transfer shall
      be paid by the Holder at the time of delivering the aforementioned notice of
      exercise or promptly upon receipt of a written request of the Company for
      payment.

     

    1.2.  Shares
      To Be Fully Paid and Nonassessable.
      All
      shares of Common Stock issued upon the exercise of this Warrant shall be validly
      issued, fully paid and nonassessable and free from all preemptive rights of
      any
      stockholder, and from all taxes, liens and charges with respect to the issue
      thereof (other than transfer taxes).

     

    1.3.  No
      Fractional Shares To Be Issued.
      The
      Company shall not be required to issue fractions of shares of Common Stock
      upon
      exercise of this Warrant. If any fraction of a share would, but for this
      Section, be issuable upon any exercise of this Warrant, and if the Company
      shall
      have elected not to issue such fraction of a share, in lieu of such fractional
      share the Company shall pay to the Holder, in cash, an amount equal to such
      fraction of the Fair Market Value per share of outstanding Common Stock of
      the
      Company on the Business Day immediately prior to the date of such
      exercise.

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    1.4.  Share
      Legend.
      Each
      certificate for shares of Common Stock issued upon exercise of this Warrant,
      unless at the time of exercise such shares are registered under the Securities
      Act, shall bear the following legend:

    

      “THIS
        SECURITY HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED,
        OR UNDER THE SECURITIES LAWS OF ANY STATE OR OTHER JURISDICTION AND MAY NOT
        BE
        SOLD, OFFERED FOR SALE OR OTHERWISE TRANSFERRED UNLESS REGISTERED OR QUALIFIED
        UNDER SAID ACT AND APPLICABLE STATE SECURITIES LAWS OR UNLESS THE COMPANY
        RECEIVES AN OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY THAT
        REGISTRATION, QUALIFICATION OR OTHER SUCH ACTIONS ARE NOT REQUIRED UNDER
        SAID
        ACT. THE OFFERING OF THIS SECURITY HAS NOT BEEN REVIEWED OR APPROVED BY ANY
        STATE SECURITIES ADMINISTRATOR. THIS SECURITY IS ALSO BENEFITED BY AND SUBJECT
        TO A REGISTRATION RIGHTS AGREEMENT, DATED AS OF AUGUST 22, 2006, BETWEEN
        THE
        COMPANY AND THE OTHER PARTIES LISTED THEREIN, A COPY OF WHICH IS ON FILE
        WITH
        THE COMPANY AND WILL BE FURNISHED UPON WRITTEN REQUEST AND WITHOUT
        CHARGE.”

    

     

    Any
      certificate issued at any time in exchange or substitution for any certificate
      bearing such legend (except a new certificate issued upon completion of a public
      distribution pursuant to a registration statement under the Securities Act)
      shall also bear such legend unless, in the opinion of counsel selected by or
      reasonably satisfactory to, the Company, the securities represented thereby
      are
      no longer subject to restrictions on resale under the Securities
      Act.

     

    1.5.  Reservation;
      Authorization.
      The
      Company has reserved and will keep available for issuance upon exercise of
      the
      Warrants the total number of shares of Common Stock deliverable upon exercise
      of
      all Warrants from time to time outstanding. The issuance of such shares has
      been
      duly and validly authorized and, when issued and sold in accordance with the
      Warrants, such shares will be duly and validly issued, fully paid and
      nonassessable.

     

    ARTICLE
      II

    TRANSFER,
      EXCHANGE AND REPLACEMENT OF WARRANTS

     

    2.1.  Transfer
      Agent.
      The
      Company shall perform the obligations provided herein at its address at 3058
      East Elm Street, Springfield, Missouri 65802 or such other address as the
      Company shall specify by notice to all Warrantholders, or at the offices of
      the
      Company’s transfer agent (the “Transfer
      Agent”).

     

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

     

    2.2.  Ownership
      of Warrant.
      The
      Company may deem and treat the Person in whose name this Warrant is registered
      as the holder and owner hereof (notwithstanding any notations of ownership
      or
      writing hereon made by any Person other than the Transfer Agent) for all
      purposes and shall not be affected by any notice to the contrary, until
      presentation of this Warrant for registration of transfer as provided in this
      Article II.

     

    2.3.  Transfer
      of Warrant.
      The
      Company agrees to maintain at the Transfer Agent books for the registration
      of
      transfers of the Warrants, and transfer of this Warrant and all rights hereunder
      shall be registered, in whole or in part, on such books, upon surrender of
      this
      Warrant at the Transfer Agent, together with a written assignment of this
      Warrant duly executed by the Holder or his duly authorized agent or attorney,
      with (unless the Holder is the original Warrantholder) signatures guaranteed
      by
      a bank or trust company or a broker or dealer registered with the NASD, and
      funds sufficient to pay any transfer taxes payable upon such transfer. Upon
      surrender, the Company shall execute and deliver a new Warrant or Warrants
      in
      the name of the assignees and in the denominations specified in the instrument
      of assignment, and this Warrant shall promptly be cancelled. Notwithstanding
      the
      foregoing, a Warrant may be exercised by a new holder in accordance with the
      procedures set forth herein without having a new Warrant issued. The Transfer
      Agent shall not be required to register any transfers if the Holder fails to
      furnish to the Company, after a request therefor, an opinion of counsel
      reasonably satisfactory to the Company that such transfer is exempt from the
      registration requirements of the Securities Act.

     

    2.4.  Division
      or Combination of Warrants.
      This
      Warrant may be divided or combined with other Warrants upon surrender hereof
      and
      of any Warrant or Warrants with which this Warrant is to be combined, together
      with a written notice specifying the names and denominations in which the new
      Warrant or Warrants are to be issued, signed by the holders hereof and thereof
      or their respective duly authorized agents or attorneys. Subject to compliance
      with Section 2.3 as to any transfer which may be involved in the division or
      combination, the Company shall execute and deliver a new Warrant or Warrants
      in
      exchange for the Warrant or Warrants to be divided or combined in accordance
      with such notice.

     

    2.5.  Loss,
      Theft, Destruction or Mutilation of Warrants.
      Upon
      receipt of evidence satisfactory to the Company of the loss, theft, destruction
      or mutilation of any Warrant and, in the case of any such loss, theft or
      destruction, upon receipt of indemnity or security reasonably satisfactory
      to
      the Company (the original Warrantholder’s indemnity being satisfactory indemnity
      in the event of loss, theft or destruction of any Warrant owned by such holder),
      or, in the case of any such mutilation, upon surrender and cancellation of
      such
      Warrant, the Company will make and deliver, in lieu of such lost, stolen,
      destroyed or mutilated Warrant, a new Warrant of like tenor and representing
      the
      right to purchase the same aggregate number of shares of Common Stock as
      provided for in such lost, stolen, destroyed or mutilated Warrant.

     

    2.6.  Expenses
      of Delivery of Warrants.
      The
      Company shall pay all expenses, taxes (other than transfer taxes or income
      taxes
      of a Holder) and other charges payable in connection with the preparation,
      issuance and delivery of Warrants and shares issuable upon exercise of the
      Warrants hereunder.

     

    
      
        
        

      

      
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    2.7.  Restrictions
      on Transfer and Division.
      No
      division, assignment or transfer of the rights of a Warrantholder under a
      Warrant shall be effective with respect to other than whole shares of Common
      Stock, unless such assignment or transfer is of all of the rights of such
      Warrantholder under such Warrant.

     

    ARTICLE
      III

    CERTAIN
      RIGHTS

     

    3.1.  Registration
      Rights.
      The
      Common Stock issuable upon exercise of this Warrant is entitled to the benefits
      of the Registration Rights Agreement dated as of August 22, 2006, by and between
      the Company and Flagstone Capital, LLC (the “Registration
      Rights Agreement”).
      The
      Company shall keep a copy of the Registration Rights Agreement, and any
      amendments thereto, at the Transfer Agent and shall furnish copies thereof
      to
      the Holder upon request.

     

    3.2.  Contest
      and Appraisal Rights.
      Upon
      each determination of Fair Market Value hereunder (other than a determination
      relating solely to setting the value of fractional shares), the Company shall
      promptly give notice thereof to all Warrantholders, setting forth in reasonable
      detail the calculation of such Fair Market Value and the method and basis of
      determination thereof, as the case may be. If the Holders shall disagree with
      such determination and shall, by notice to the Company given within 30 days
      after the Company’s notice of such determination, elect to dispute such
      determination, such dispute shall be resolved in accordance with this Section
      3.2. In the event that a determination of Market Price, or a determination
      of
      Fair Market Value solely involving Market Price, is disputed, such dispute
      shall
      be submitted, at the Company’s expense, to a New York Stock Exchange member firm
      selected by the Company and acceptable to the Warrantholders, whose
      determination of Fair Market Value and/or Market Price, as the case may be,
      shall be binding on the Company and the Warrantholders. In the event that a
      determination of Fair Market Value, other than a determination solely involving
      Market Price, is disputed, such dispute shall be resolved through the Appraisal
      Procedure.

     

    3.3.  Certain
      Covenants.
      The
      Company covenants and agrees that, until exercise or cancellation of this
      Warrant, the Company will deliver, as soon as available: reports similar to
      that
      provided to other stockholders; any and all reports filed by the Company under
      the Securities Act and the Exchange Act including without limitation forms
      10-K,
      10-Q and 8-K; and any and all press releases of the Company.

     

    3.4.  Voting
      Rights.
      The
      Company’s Certificate of Incorporation and bylaws shall not be amended or
      modified if such amendment or modification changes the existing voting rights
      of
      the shares of Common Stock into which this Warrant may be converted and the
      voting rights of other shares of common stock are not so amended or modified.
      Issuance of other classes of capital stock of the Company with different voting
      rights than those of the Common Stock shall not be treated as amending or
      modifying the voting rights of the existing Common Stock.

     

    
      
        
        

      

      
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    ARTICLE
      IV

    ANTIDILUTION
      PROVISIONS

     

    4.1.  Adjustments
      Generally.
      The
      Exercise Price and the number of shares of Common Stock (or other securities
      or
      property) issuable upon exercise of this Warrant shall be subject to adjustment
      from time to time upon the occurrence of certain events, as provided in this
      Article IV.

     

    4.2.  Common
      Stock Reorganization.
      (a) If
      the Company shall after the date of issuance of this Warrant subdivide its
      outstanding shares of Common Stock into a greater number of shares or
      consolidate its outstanding shares of Common Stock into a smaller number of
      shares (any such event being called a “Common
      Stock Reorganization”),
      then
      (i) the Exercise Price shall be adjusted, effective immediately after the record
      date at which the holders of shares of Common Stock are determined for purposes
      of such Common Stock Reorganization, to a price determined by multiplying the
      Exercise Price in effect immediately prior to such record date by a fraction,
      the numerator of which shall be the number of shares of Common Stock outstanding
      on such record date before giving effect to such Common Stock Reorganization
      and
      the denominator of which shall be the number of shares of Common Stock
      outstanding after giving effect to such Common Stock Reorganization, and (ii)
      the number of shares of Common Stock subject to purchase upon exercise of this
      Warrant shall be adjusted, effective at such time, to a number determined by
      multiplying the number of shares of Common Stock subject to purchase immediately
      before such Common Stock Reorganization by a fraction, the numerator of which
      shall be the number of shares outstanding after giving effect to such Common
      Stock Reorganization and the denominator of which shall be the number of shares
      of Common Stock outstanding immediately before such Common Stock
      Reorganization.

     

    (b) If
      the
      Company shall after the date of issuance of this Warrant issue or distribute
      to
      all holders of shares of Common Stock, additional Common Stock of the Company,
      (a “Stock
      Dividend”),
      then
      (i) the Exercise Price shall be adjusted, effective immediately after the record
      date at which the holders of shares of Common Stock are determined for purposes
      of such Stock Dividend, to a price determined by multiplying the Exercise Price
      in effect immediately prior to such record date by a fraction, the numerator
      of
      which shall be the number of shares of Common Stock outstanding on such record
      date and the denominator of which shall be the number of shares of Common Stock
      outstanding after giving effect to such Stock Dividend, and (ii) the number
      of
      shares of Common Stock subject to purchase upon exercise of this Warrant shall
      be adjusted, effective at such time, to a number determined by multiplying
      the
      number of shares of Common Stock subject to purchase immediately before such
      Stock Dividend by a fraction, the numerator of which shall be the number of
      shares of Common Stock outstanding after giving effect to such Stock Dividend
      and the denominator of which shall be the number of shares of Common Stock
      outstanding immediately before such Stock Dividend.

     

    4.3.  Common
      Stock Distribution.
      (a) If
      the Company shall, before the Loan Liquidation Date, issue or otherwise sell
      or
      distribute any shares of Common Stock, sell, distribute or otherwise grant
      in
      any manner (whether directly or by assumption in a merger or otherwise) any
      rights to subscribe for or to purchase, or any warrants or options (excluding
      warrants or options to employees of the Company or its subsidiaries) for the
      purchase of, Common Stock or any stock or securities convertible into or
      exchangeable for Common Stock (such rights, warrants or options being herein
      called “Options” and such convertible or exchangeable stock or securities being
      herein called “Convertible Securities”), otherwise than pursuant to a Common
      Stock Reorganization or Stock Dividend (any such event, being herein called
      a
“Common Stock Distribution”), if such Common Stock Distribution shall be for a
      consideration per share less than the Exercise Price in effect on the date
      of
      such Common Stock Distribution, then, effective upon such Common Stock
      Distribution, the Exercise Price for each Warrant shall be reduced to a price
      determined by multiplying such Exercise Price by a fraction, (A) the numerator
      of which shall be (1) the number of shares of Common Stock outstanding (or
      deemed to be outstanding) immediately prior to such Common Stock Distribution,
      plus (2) the number of shares of Common Stock which the aggregate consideration
      received by the Company in such Common Stock Distribution would purchase at
      the
      Exercise Price (as hereinafter defined), and (B) the denominator of which shall
      be (1) the number of shares of Common Stock outstanding (or deemed to be
      outstanding) immediately prior to such Common Stock Distribution, plus (2)
      the
      number of shares of such additional stock so issued or sold (or deemed issued
      or
      sold) in the Common Stock Distribution.

     

    
      
        
        

      

      
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    The
      provisions of this paragraph (a) shall not operate to increase the Exercise
      Price or to reduce the number of shares of Common Stock subject to purchase
      upon
      exercise of this Warrant.

     

    (b) If
      any
      shares of Common Stock, Options or Convertible Securities shall be issued,
      sold
      or distributed for cash, the consideration received therefor shall be deemed
      to
      be the amount received by the Company therefor net of any underwriting
      commissions or concessions paid or allowed by the Company in connection
      therewith. If any shares of Common Stock, Options or Convertible Securities
      shall be issued, sold or distributed for a consideration other than cash, the
      amount of the consideration other than cash received by the Company shall be
      deemed to be the Fair Market Value of such consideration, after deduction of
      any
      expenses incurred and any underwriting commissions or concessions paid or
      allowed by the Company in connection therewith. If any shares of Common Stock
      Options or Convertible Securities shall be issued in connection with any merger
      in which the Company is the surviving corporation, the amount of consideration
      therefor shall be deemed to be the Fair Market Value of such portion of the
      assets and business of the nonsurviving corporation as shall be attributable
      to
      such Common Stock, Options or Convertible Securities, as the case may be. If
      any
      Options shall be issued in connection with the issue and sale of other
      securities of the Company, together comprising one integral transaction in
      which
      no specific consideration is allocated to such Options by the parties thereto,
      such Options shall be deemed to have been issued without
      consideration.

     

    (c) If
      the
      Company shall take a record of the holders of the Common Stock for the purpose
      of entitling them to receive a dividend or other distribution payable in Common
      Stock, Options or Convertible Securities or to subscribe for or purchase Common
      Stock, Options or Convertible Securities, then such record date shall be deemed
      to be the date of the issue, sale, distribution or grant of the shares of Common
      Stock deemed to have been issued or sold upon the declaration of such dividend
      or the making of such other distribution or the date of the granting of such
      right of subscription or purchase, as the case may be.

     

    (d) For
      purposes of determining whether any adjustment is required pursuant to this
      Article IV any security of the Company having rights substantially equivalent
      to
      the Common Stock as to dividends or upon liquidation dissolution or winding
      up
      of the Company shall be treated as if such security were Common
      Stock.

     

    
      
        
        

      

      
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    4.4.  Notice
      of Adjustment.
      Not
      less than 30 nor more than 40 days prior to the record date or effective date,
      as the case may be, of any action which requires or might require an adjustment
      or readjustment pursuant to this Article IV, the Company shall give notice
      to
      each Warrantholder of such event, describing such event in reasonable detail
      and
      specifying the record date or effective date, as the case may be, and, if
      determinable, the required adjustment and the computation thereof. It the
      required adjustment is not determinable at the time of such notice, the Company
      shall give notice to each Warrantholder of such adjustment and computation
      promptly after such adjustment becomes determinable. If no Holder objects to
      any
      such notice within 30 days of receipt of the Company’s notice, the adjustment
      will be deemed accepted by the Holders. 

     

    4.5.  Exercise
      in Event of a Dividend or Capital Reorganization.
      After
      the date of the issuance of this Warrant, in the event the Company (i) issues
      any dividend on the Common Stock other than a Stock Dividend or (ii)
      participates in a consolidation or merger, other than a consolidation or merger
      in which the Company is a continuing corporation and does not result in any
      reclassification or change (other than a Common Stock Reorganization, Stock
      Dividend or a change in par value), in outstanding shares of Common Stock,
      or
      (iii) participates in any sale or conveyance of the property of the Company
      as
      an entirety or substantially as an entirety, the Holder shall have not less
      than
      fifteen (15) days following receipt of written notice of such transaction (or
      the possibility of such transaction) in which to exercise the Holder’s rights
      under this Warrant to purchase shares of Common Stock hereunder prior to the
      date such transaction becomes effective and thereby be treated as holder of
      Common Stock as of the date such transaction is consummated.

     

    4.6.  Preferred
      Stock Conversion.
      As of
      the date of issuance of this Warrant, the Company is in the process of
      converting certain preferred stock to common stock pursuant to a plan approved
      by the Bankruptcy Court on March 27, 2006 (the “PS
      Conversion”).
      The
      Holder is aware of the PS Conversion and, notwithstanding anything in this
      Warrant to the contrary, none of the Anti-Dilution provisions of Article IV
      shall apply to any modification or change in the capital structure or any
      distributions made in connection with the PS Conversion. This Warrant is
      expressly granted in contemplation of, and the rights hereunder shall be
      effective as if, the PS Conversion has been completed. The maximum number of
      shares of Common Stock to be issued under the PS Conversion shall not exceed
      8,994,357 (excluding the Common Stock to be issued pursuant to the warrants
      granted to the holders of this Warrant and the warrants granted to Heartland
      Bank).

     

    ARTICLE
      V

    DEFINITIONS

     

    The
      following terms, as used in this Warrant, have the following respective
      meanings:

     

    “Appraisal
      Procedure”
means
      a
      procedure whereby two independent appraisers, one chosen by the Company and
      one
      by the Holder, shall mutually agree upon the determinations then the subject
      of
      appraisal. Each party shall deliver a notice to the other appointing its
      appraiser within 15 days after the Appraisal Procedure is invoked. If within
      30
      days after appointment of the two appraisers they are unable to agree upon
      the
      amount in question, a third independent appraiser shall be chosen within 10
      days
      thereafter by the mutual consent of such first two appraisers or, if such first
      two appraisers fail to agree upon the appointment of a third appraiser, such
      appointment shall be made by the American Arbitration Association, or any
      organization successor thereto, from a panel of arbitrators having experience
      in
      the appraisal of the subject matter to be appraised. The decision of the third
      appraiser so appointed and chosen shall be given within 30 days after the
      selection of such third appraiser. If three appraisers shall be appointed and
      the determination of one appraiser is disparate from the middle determination
      by
      more than twice the amount by which the other determination is disparate from
      the middle determination, then the determination of such appraiser shall be
      excluded, the remaining two determinations shall be averaged and such average
      shall be binding and conclusive on the Company and the Warrantholders; otherwise
      the average of all three determinations shall be binding and conclusive on
      the
      Company and the Warrantholders. The costs of conducting any Appraisal Procedure
      shall be borne by the Warrantholders requesting such Appraisal Procedure, except
      (a) the fees and expenses of the appraiser appointed by the Company and any
      costs incurred by the Company shall be borne by the Company and (b) if such
      Appraisal Procedure shall result in a determination that is disparate by 10%
      or
      more to the benefit of the holder from the Company's initial determination,
      all
      costs of conducting such Appraisal Procedure shall be borne by the
      Company.

     

    
      
        
        

      

      
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    “Business
      Day”
shall
      mean (a) if any class of Common Stock is listed or admitted to trading on a
      national securities exchange, a day on which the principal national securities
      exchange on which such class of Common Stock is listed or admitted to trading
      is
      open for business or (b) if no class of Common Stock is so listed or admitted
      to
      trading, a day on which any New York Stock Exchange member firm is open for
      business.

     

    “Closing
      Price”
with
      respect to any security on any day means (a) if such security is listed or
      admitted for trading on a national securities exchange, the reported last sales
      price regular way or, if no such reported sale occurs on such day, the average
      of the closing bid and asked prices regular way on such day, in each case as
      reported in the principal consolidated transaction reporting system with respect
      to securities listed on the principal national securities exchange on which
      such
      class of security is listed or admitted to trading, or (b) if such security
      is
      not listed or admitted to trading on any national securities exchange, the
      last
      quoted sales price, or, if not so quoted, the average of the high bid and low
      asked prices in the over the counter market on such day as reported by NASDAQ
      or
      any comparable system then in use or, if not so reported, as reported by any
      New
      York Stock Exchange member firm reasonably selected by the Company for such
      purpose.

     

    “Common
      Stock”
shall
      have the meaning set forth in the first paragraph of this Warrant subject to
      adjustment pursuant to Article IV.

     

    “Common
      Stock Distribution”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Common
      Stock Reorganization”
shall
      have the meaning set forth in Section 4.2.

     

    
      
        
        

      

      
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    “Company”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    “Convertible
      Securities”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Exchange
      Act”
means
      the Securities Exchange Act of 1934, as amended, and any similar or successor
      federal statute, and the rules and regulations of the Securities and Exchange
      Commission (or its successor) thereunder, all as the same shall be in effect
      at
      the time.

     

    “Exercise
      Price”
shall
      mean $0.70.

     

    “Fair
      Market Value”
means
      the fair market value of the business or property in question, as determined
      in
      good faith by the Board of Directors of the Company, provided, however, that
      the
      Fair Market Value of any security for which a Closing Price is available shall
      be the Market Price of such security. The Fair Market Value of the Company
      shall
      be the Fair Market Value of the Company and its subsidiaries as a going concern.
      Notwithstanding the foregoing, if, at any date of determination of the Fair
      Market Value of the Company, the Common Stock of any class shall then be
      publicly traded, the Fair Market Value of the Company on such date shall be
      the
      Market Price on such date multiplied by the number of shares of Common Stock
      on
      a fully diluted basis, giving effect to any consideration to be paid to the
      Company in connection with the exercise or conversion of any security.
      Notwithstanding the foregoing, the Fair Market value of shares of Common Stock
      to be issued in connection with the grant of employee stock options will be
      deemed to be, if lower, the Closing Price on the date of such sale or
      grant.

     

    “Holder”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    “Loan
      Liquidation Date”
means
      the date of the satisfaction and retirement in full of the indebtedness owing
      from the Company to Heartland Bank, its successors and assigns, as such
      indebtedness is evidenced by a Revolving Credit Loan and Security Agreement
      dated August 18, 2006 between Company and Heartland Bank, providing for a
      revolving credit facility in the principal face amount of $3,000,000, as said
      Agreement may be extended, amended, renewed or restated.

     

    “Market
      Price”
with
      respect to any security on any day means the average of the daily Closing Prices
      of a share or unit of such security for the 10 consecutive Business Days ending
      on the most recent Business Day for which a Closing Price is available;
      provided, however, that in the event that, in the case of Common Stock, the
      Market Price is determined during a period following the announcement by the
      Company of (A) a dividend or distribution of Common Stock, or (B) any
      subdivision, combination or reclassification of Common Stock and prior to the
      expiration of 20 Business Days after the ex dividend date for such dividend
      or
      distribution, or the record date for such subdivision, combination or
      reclassification, then, and in each such case, the Market Price shall be
      appropriately adjusted to reflect the current market price per share equivalent
      of Common Stock.

     

    “NASD”
means
      The National Association of Securities Dealers, Inc.

     

    “NASDAQ”
means
      The National Association of Securities Dealers, Inc. Automated Quotation
      System.

     

    
      
        
        

      

      
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    “Options”
shall
      have the meaning set forth in Section 4.3(a).

     

    “Registrable
      Security”
shall
      have the meaning set forth in the Registration Rights Agreement among the
      Company and the Holders of the Warrants.

     

    “Registration
      Rights Agreement”
shall
      have the meaning set forth in Section 3.1.

     

    “Securities
      Act”
shall
      mean the Securities Act of 1933, as amended, and any similar or successor
      federal statute, and the rules and regulations of the Securities and Exchange
      Commission for its successor) thereunder, all as the sane shall be in effect
      at
      the time.

     

    “Warrantholder”
means
      a
      holder of a Warrant.

     

    “Warrants”
shall
      have the meaning set forth in the first paragraph of this Warrant.

     

    ARTICLE
      VI

    MISCELLANEOUS

     

    6.1.  Notices.
      All
      notices, requests, consents and other communications provided for herein shall
      be in writing and shall be effective upon delivery in person, faxed, mailed
      by
      certified or registered mail, return receipt requested, postage pre paid, or
      by
      national overnight delivery service (e.g. Federal Express or UPS), addressed
      as
      follows:

     

    (i) if
      to the
      Company, to Freedom Financial Group, Inc., 3058 East Elm Street, Springfield,
      Missouri 65802, Attention: President; with a copy to Shughart Thomson &
Kilroy, 901 St. Louis Avenue, Suite 1200, Springfield, Missouri 65806,
      Attention: Tom O’Neal;

     

    (ii) if
      to the
      initial Holder of Warrants, to Flagstone Capital, LLC, at 7733 Forsyth
      Boulevard, 19th
      Floor,
      St. Louis, Missouri 63105, and if to any subsequent Holder of Warrants, to
      it at
      such address as may have been furnished to the Company in writing by such
      Holder;

     

    or,
      in
      any case, at such other address or addresses as shall have been furnished in
      writing to the Company (in the case of a holder of Warrants) or to the Holders
      of Warrants (in the case of the Company) in accordance with the provisions
      of
      this paragraph.

     

    6.2.  Waivers;
      Amendments.
      No
      failure or delay of the Holder in exercising any power or right hereunder shall
      operate as a waiver thereof, nor shall any single or partial exercise of any
      such right or power, or any abandonment or discontinuance of steps to enforce
      such a right or power, preclude any other or further exercise thereof or the
      exercise of any other right or power. The rights and remedies of the Holder
      are
      cumulative and not exclusive of any rights or remedies which it would otherwise
      have. The provisions of this Warrant may be amended, modified or waived with
      (and only with) the written consent of the Company and the Holder. The
      provisions of the Registration Rights Agreement may be amended, modified or
      waived only in accordance with the respective provisions thereof.

     

    
      
        
        

      

      
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    Any
      such
      amendment, modification or waiver effected pursuant to this Section or the
      applicable provisions of the Registration Rights Agreement shall be binding
      upon
      the holders of all Warrants and Warrant Shares, upon each future holder thereof
      and upon the Company. In the event of any such amendment, modification or waiver
      the Company shall give prompt notice thereof to all Warrantholders and, if
      appropriate, notation thereof shall be made on all Warrants thereafter
      surrendered for registration of transfer or exchange.

     

    No
      notice
      or demand on the Company in any case shall entitle the Company to any other
      or
      further notice or demand in similar or other circumstances.

     

    6.3.  Governing
      Law.
      This
      Warrant shall be construed in accordance with and governed by the laws of the
      State of Delaware without regard to principles of conflicts of law.

     

    6.4.  Survival
      of Agreements; Representations and Warranties etc. 
All
      representations, warranties and covenants made by the Company herein or in
      any
      certificate or other instrument delivered by or on behalf of it in connection
      with the Warrants shall be considered to have been relied upon by the Holder
      and
      shall survive the issuance and delivery of the Warrants, regardless of any
      investigation made by the Holder, and shall continue in full force and effect
      so
      long as any Warrant is outstanding. All statements in any such certificate
      or
      other instrument shall constitute representations and warranties
      hereunder.

     

    6.5.  Covenants
      to Bind Successor and Assigns.
      All
      covenants, stipulations, promises and agreements in this Warrant contained
      by or
      on behalf of the Company shall bind its successors and assigns, whether so
      expressed or not.

     

    6.6.  Severability.
      In case
      any one or more of the provisions contained in the Registration Rights Agreement
      or this Warrant shall be invalid, illegal or unenforceable in any respect,
      the
      validity, legality or enforceability of the remaining provisions contained
      herein and therein shall not in any way be affected or impaired thereby. The
      parties shall endeavor in good faith negotiations to replace the invalid,
      illegal or unenforceable provisions with valid provisions the economic effect
      of
      which comes as close as possible to that of the invalid, illegal or
      unenforceable provisions.

     

    6.7.  Section
      Headings.
      The
      sections headings used herein are for convenience of reference only, are not
      part of this Warrant and are not to affect the construction of or be taken
      into
      consideration in interpreting this Warrant.

     

    6.8.  No
      Rights as Stockholder.
      This
      Warrant shall not entitle the Holder to any rights as a stockholder of the
      Company.

     

    6.9.  No
      Impairment.
      The
      Company shall not by any action including, without limitation, amending its
      certificate of incorporation or through any reorganization, transfer of assets,
      consolidation, merger, dissolution, issue or sale of securities or any other
      voluntary action, avoid or seek to avoid the observance or performance of any
      at
      the terms of this Warrant, but will at all times in good faith assist in the
      carrying out of all such terms and in the taking of all such actions as may
      be
      necessary or appropriate to protect the rights of the Holder against impairment.
      Without limiting the generality of the foregoing, the Company will (a) not,
      directly or indirectly, increase the par value of any shares of Common Stock
      receivable upon the exercise of this warrant above the amount payable therefor
      upon such exercise immediately prior to such increase in par value, (b) take
      all
      such action as may be necessary or appropriate in order that the Company may
      validly and legally issue fully paid and nonassessable shares of Common Stock
      upon the exercise of this warrant, and (c) use its commercially reasonable
      best
      efforts to obtain all such authorizations exemptions or consents from any public
      regulatory body having jurisdiction thereof as may be necessary to enable the
      Company to perform its obligations under this Warrant.

     

    
      
        
        

      

      
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    6.10.  Submission
      to Jurisdiction; Venue.
      (a) Any
      legal action or proceeding with respect to this Warrant may be brought in the
      courts of the State of Missouri located in St. Louis County or of the United
      States for the Eastern District of Missouri, and, by execution and delivery
      of
      this Warrant, the Company irrevocably accepts for itself and in respect of
      its
      property, generally and unconditionally, the non-exclusive jurisdiction of
      the
      aforesaid courts.

     

    (b) The
      Company hereby irrevocably waives any objection which it may now or hereafter
      have to the laying of venue of any of the aforesaid actions or proceedings
      arising out of or in connection with this Warrant brought in the courts referred
      to in clause (a) above and hereby further irrevocably waives and agrees not
      to
      plead or claim in any such court that any such action or proceeding brought
      in
      any such court has been brought in an inconvenient forum.

    

     

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    IN
      WITNESS WHEREOF, Freedom Financial Group, Inc. has caused this Warrant to be
      executed in its corporate name by one of its officers hereunto duly authorized,
      and attested by its Secretary or an Assistant Secretary, all as of the day
      and
      year first above written.

     

    
      	 	
              FREEDOM
                FINANCIAL GROUP, INC.

            
	 	 
	 	 
	 	
              By:
                /s/ Jerald L. Fenstermaker

            
	 	
                    
                Jerald L. Fenstermaker, President

            

    

    

     

    Attest:

    

    

    ___________________________________

    Name:
      ______________________________

    Title:
      _______________________________

    

     

    
      
        
        

      

      
        14

        
          

        

      

      
        
        

      

    

    SUBSCRIPTION
      NOTICE

     

    (To
      be
      executed upon exercise of Warrant)

    

     

    TO: FREEDOM
      FINANCIAL GROUP, INC.

     

    The
      undersigned hereby irrevocably elects to exercise the right to purchase
      represented by the attached Warrant for, and to purchase thereunder, ___________
      shares of voting Common Stock, as provided for therein, and tenders herewith
      payment of the Exercise Price in full in accordance with the terms of the
      attached Warrant.

     

    Please
      issue a certificate or certificates for such shares of Common Stock in the
      following name or names and denominations:

     

    If
      said
      number of shares shall not be all the shares issuable upon exercise of the
      attached Warrant, a new warrant is to be issued in the name of the undersigned
      for the balance remaining of such shares less any fraction of a share paid
      in
      cash.

     

    Dated:_________________________,
      20____.

     

    

     

    
      	 	 
	 	
              Note:

            	
              The
                above signature should correspond exactly with the name on the face
                of the
                attached Warrant or with the name of the assignee appearing in the
                assignment form below.

            

    

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    ASSIGNMENT

     

    (To
      be
      executed upon assignment of Warrant)

    

     

    For
      value
      received, ___________________________ hereby sells, assigns and transfers unto
      ________________________________ the attached Warrant, together with all rights,
      title and interest therein, and does hereby irrevocably constitute and appoint
      ___________ _____________________ attorney to transfer said Warrant on the
      books
      of Freedom Financial Group, Inc., with full power of substitution in the
      premises,

     

     

    
       

      
        	 	 
	 	
                Note:

              	
                The
                  above signature should correspond exactly with the name on the
                  face of the
                  attached Warrant.

              

      

       

      
        
          
          

        

        
          2

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