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                                                                   Exhibit 10.14

                          MEDVEST HOLDINGS CORPORATION

                             2002 STOCK OPTION PLAN

     MedVest Holdings Corporation hereby adopts a stock option plan for the
benefit of certain persons and subject to the terms and provisions set forth
below.

     1.   DEFINITIONS. The following terms shall have the meanings set forth
below whenever used in this instrument:

     (a)  "Act" shall mean the Securities Exchange Act of 1934, as amended.

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

     (c)  "Change in Control" shall mean:

          (i)     Any "person," including a "group" [as used in Act Sections
                  13(d) and 14(d)(2) but excluding the Company, any of its
                  Subsidiaries or any "person" who immediately before the
                  Effective date in Section 2 is a "beneficial owner," as
                  defined in Rule 13(d)(3) of the Act] becomes the "beneficial
                  owner" [as defined in Section 13(d)(3) under the Act),
                  directly or indirectly, of securities of the Company
                  representing more than 50 percent of the combined voting power
                  of the Company's then outstanding securities. However, a
                  Change in Control under this section will be determined
                  without regard to:

                  (I)    Any acquisition by or through an employee benefit plan
                         maintained by the Company or any Subsidiary;

                  (II)   Any acquisition through a stock option plan (including
                         this Plan) maintained by the Company or any Subsidiary;

                  (III)  Any acquisition through inheritance, gift, bequest or
                         by operation of law on the death of an individual or by
                         distribution from a trust in existence on the Effective
                         date in Section 2; or

                  (IV)   The redemption of Shares by the Company or the
                         acquisition of Shares by any Subsidiary;

          (ii)    The Company's shareholders approve a definitive agreement:

                  (I)    To merge or consolidate the Company with or into
                         another corporation in which the Company is not the
                         continuing or surviving corporation or pursuant to
                         which Shares would be converted into cash, securities
                         or other property of another corporation, other than a
                         merger of the Company in which holders of Shares
                         immediately before the merger have the same

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                         proportionate ownership of shares of the surviving
                         corporation immediately after the merger as immediately
                         before; or

                  (II)   To sell or otherwise dispose of all or substantially
                         all of the Company's assets.

          (iii)   There is a change in a majority of the Board within a 12-month
                  period; provided, however, that any new director whose
                  nomination for election by the Company's shareholders was
                  approved, or who was appointed or elected to the Board by, the
                  vote of two-thirds of the directors then still in office who
                  were in office at the beginning of the 12-month period will
                  not be counted when determining if there has been a change in
                  the majority of the Board.

          Notwithstanding the foregoing, a "Change in Control" shall not include
          any transaction or shareholder approval of any transaction involving
          the sale of all or substantially all of the assets of the Company to,
          or the merger of or consolidation of the Company with either of
          RoundTable Partners or One Equity Partners or any entity for which
          RoundTable or One Equity has provided equity capital (the "V.C.
          Business Opportunity") or the acquisition of all or substantially all
          of the assets of the V.C. Business Opportunity in a transaction that
          does not satisfy the provisions of subparagraph (i) above.

     (d)  "Code" shall mean the United States Internal Revenue Code of 1986, as
          amended, and any lawful regulations and pronouncements issued
          thereunder or provisions of successor United States revenue laws.

     (e)  "Committee" shall mean the Board, or, if so determined by the Board,
          shall be a committee comprised of not less than three (3) directors,
          one of whom shall be the Chairman of the Board, and which shall also
          constitute a "compensation committee" within the meaning of Treas.
          Reg. Section 1.162-27(c)(4). In the event requirements of the Act or
          the Code or any rules, regulations or other rulings or directives
          promulgated thereunder require non-employee directors, the Committee
          shall be comprised of at least three (3) persons, none of whom (1) is
          an employee of the Company or any Subsidiary as defined in Act Section
          16 or (2) is receiving remuneration in any capacity other than as a
          director, except as permitted under Treas. Reg. Section 1.162-27(e)(3)
          and any rulings issued under that regulation.

     (f)  "Common Stock" shall mean common shares, without par value, of the
          Company.

     (g)  "Company" shall mean MedVest Holdings Corporation, an Ohio
          corporation, and any successor thereto which shall maintain this Plan.

     (h)  "Constructive Termination" shall mean a voluntary termination by an
          Optionee who is an Employee following:

          (i)     a permanent reduction in the Employee's title, duties,
                  responsibilities or status, as compared to either (I) his
                  title, duties responsibilities or status

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                  before a Change in Control; or (II) any enhanced or increased
                  title, duties, responsibilities or status occurring after the
                  Change in Control;

          (ii)    the permanent assignment to the Employee of duties
                  inconsistent with (I) the Employee's office on the date of the
                  Change in Control; (II) any enhanced or increased duties
                  occurring after the Change in Control; or (III) any more
                  senior office to which he or she is promoted after the Change
                  in Control;

          (iii)   a 15 percent (or larger) reduction of the annualized base
                  salary rate or total annualized salary rate (including
                  bonuses, employee benefits and fringe benefits) the Employee
                  was receiving from the Company and Subsidiaries immediately
                  before the Change in Control or any increased annualized base
                  salary rate or total annualized salary rate he or she receives
                  from the Company and Subsidiaries after the Change in Control;
                  or

          (iv)    a requirement that the Employee relocate his or her principal
                  office or worksite (or the indefinite assignment of the
                  Employee) to a location more than 50 miles distant from (I)
                  the principal office or worksite to which he or she was
                  permanently assigned immediately before the Change in Control;
                  or (II) any location to which the Employee is permanently
                  assigned, with his or her consent, after the Change in
                  Control.

          Any comparison of an Employee's duties, responsibilities or status
          under this section will be based on those that are permanently
          assigned to the Employee and not on temporarily assigned duties,
          responsibilities or status.

     (i)  "Disability" shall mean the Optionee's inability to perform his or her
          normal duties for a period of at least 6 months due to a physical or
          mental infirmity.

     (j)  "Eligible Director" shall mean, on any date, a person who: (I) its an
          elected member of the Board (or has been appointed to the Board to
          fill an unexpired term and will continue to serve at the expiration of
          that term only if elected by shareholders, and (Il) also is not an
          Employee.

     (k)  "Employee" shall mean any individual who is:

          (i)     A common law employee of the Company or of any of its
                  Subsidiaries; or

          (ii)    A "leased employee" who is:

                  (I)    treated as a common law employee of the Company or any
                         Subsidiary; and

                  (II)   performs services for the Company or any Subsidiary
                         under the terms of an agreement between the Company or
                         a Subsidiary and an independent entity ("Lessor") under
                         which:

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                         (A)  The Lessor is obliged to remit payroll taxes on
                              the compensation paid to the leased employee by
                              the Company or a Subsidiary;

                         (B)  The Company has the exclusive right to grant stock
                              options to the leased employee with respect to the
                              services performed for the Company or any
                              Subsidiary;

                         (C)  The Company or Subsidiary may hire, fire and
                              control the activities of the leased employee
                              (whether for not in conjunction with the Lessor);

                         (D)  The Company or Subsidiary' has the exclusive right
                              to establish the economic value of the services
                              performed by the leased employee (including wages
                              and the number of Options and value of stock
                              compensation to be granted);

                         (E)  The leased employee may participate, on the same
                              basis as other Employees, in all employee benefit
                              plans maintained by the Company for Employees; and

                         (F)  The Company or Subsidiary agrees to remit to the
                              Lessor funds equal to the full compensation
                              (including applicable payroll taxes), payable to
                              the leased employee on or before a date specified
                              in the agreement.

     (l)  "Fair Market Value" shall mean, on any date, fair market value
          determined by the Committee in good faith, in accordance with the
          provisions of Section 12 hereof and applied consistently to all
          Optionees. Notwithstanding the foregoing, if the Shares are listed on
          the New York Stock Exchange or on another recognized market or
          quotation system on which the trading prices of the Shares are quoted
          ("Exchange"), their Fair Market Value will be the closing price of the
          Shares as reported on the Exchange on the date Fair Market Value is
          being established or, if there are no Share transactions on that date,
          the closing price on the most recent preceding date on which Share
          transactions were reported.

     (m)  "Option" shall mean a right granted under, and in accordance with, the
          terms of this Plan to purchase Common Stock at a stated price for a
          specified period of time. For purposes of this Plan, "Options" shall
          mean non-qualified stock options that are not intended to meet the
          requirements of Code Section 422.

     (n)  "Optionee" shall mean an Employee or Eligible Director who is granted
          an Option. Where the context requires, the term "Optionee" shall
          include the beneficiary of an Employee or Eligible Director who has
          been granted an Option.

     (o)  "Option Agreement" shall mean an agreement entered into between the
          Company anti an Optionee through which the Optionee agrees to the
          terms and conditions of and affecting Options.

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     (p)  "Plan" shall mean the MedVest Holdings Corporation 2002 Stock Option
          Plan, as originally adopted and as it may be amended thereafter.

     (q)  "Shares" shall mean shares of Common Stock.

     (r)  "Subsidiary" shall mean any domestic or foreign corporation, if at
          least 50% of the total combined voting power of all classes of stock
          is owned directly or indirectly by the Company, or any partnership or
          other unincorporated entity, if at least 50% of the capital or profits
          interest is owned directly or indirectly by the Company.

     2.   EFFECTIVE DATE OF THE PLAN. The Plan shall become effective on May 1,
2002, subject to approval by holders of a majority of the outstanding shares of
voting capital stock of the Company entitled to vote thereon represented in
person or by proxy at a meeting of shareholders. In the event that such
shareholder approval has not occurred on or before December 31, 2002, the Plan
and any Options granted hereunder shall be null and void. If, however, the Plan
is so approved, subject to the provisions of Section 8, no further shareholder
approval shall be required with respect to the granting of any Options pursuant
to the Plan.

     3.   ADMINISTRATION OF THE PLAN. This Plan shall be administered by the
Committee. A majority of the Committee shall constitute a quorums, and the acts
of a majority of the members present at any meeting at which a quorum is
present, or acts approved in writing by all Committee members, shall be acts of
the Committee. Subject to the terms and conditions of the Plan, the Committee
shall have sole and absolute discretion to:

     (a)  select the Employees and Eligible Directors to whom Options will be
          granted;

     (b)  determine the number of Shares subject to any Option;

     (c)  determine the time or times when Options will be granted;

     (d)  determine the terms and conditions, not inconsistent with the terms of
          the Plan, of any Option granted hereunder including, but not limited
          to, the option price of the Shares subject to an Option, the time or
          times when an Option may be exercised and the duration of the exercise
          period, and the form of consideration to paid in satisfaction of the
          option price, based in each case on such factors as the Committee
          shall determine, in it sole and absolute discretion;

     (e)  prescribe and approve the form of the Option Agreements governing the
          Options which are granted under the Plan;

     (f)  adopt, amend and rescind such rules and regulations as, in the
          Committee's sole and absolute discretion, may be advisable in the
          administration of the Plan; and

     (g)  construe and interpret the Plan, the rules, regulations, Option
          Agreements and other instruments evidencing and governing Options
          granted under the Plan and to make all other determinations deemed
          necessary or advisable for the administration of the Plan.

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     Any  decision made or action taken by the Committee in connection with the
administration, interpretation, and implementation of the Plan and of its rules
and regulations shall, to the extent permitted by law, be conclusive and binding
upon all Optionees and other persons for all purposes. Neither the Committee nor
any of its members shall be liable for any act taken by the Committee or any
Committee member pursuant to the Plan. No member of the Committee shall be
liable for the act of any other member.

     4.   PERSONS ELIGIBLE FOR OPTIONS. Subject to the terms of this Plan,
Options may be granted from time to time in the discretion of the Committee to
such Employees and Eligible Directors as are designated by the Committee. The
Committee may grant more than one Option to the same Employee or Eligible
Director. Options granted to different Optionees need not have the same terms
and conditions. No Option will be awarded unless and until the prospective
Optionee executes an Option Agreement in such form as the Committee may require.

     5.   SHARES SUBJECT TO THE PLAN. Subject to the provisions this Section,
the aggregate number of Shares for which Options may be granted under the Plan
shall be two million (2,000,000). Either treasury or authorized and unissued
Shares, or both, in such amounts, within the maximum limits of the Plan, as the
Committee shall from time to time determine, may be so issued. All Shares which
are the subject of any lapsed, expired or terminated Options shall be available
for reoffering under the Plan. If an Option granted under this Plan is exercised
pursuant to the terms and conditions determined by the Committee under
Subsection 7(d), any Shares which are the subject thereof shall not thereafter
be available for reoffering under the Plan and shall count against the maximum
number of Shares that may be granted under the Plan.

     In the event that subsequent to the date of effectiveness of the Plan, the
outstanding Shares are, as a result of a stock split, stock dividend,
combination or exchange of shares, exchange for other securities,
reclassification, reorganization, redesignation, merger, consolidation,
recapitalization, spin-off, split-off, split-up or other such change (including,
without limitation, any transaction described in Section 424(a) of the Code) or
a special dividend or other distribution to the Company's shareholders,
increased or decreased or changed into or exchanged for a different number or
kind of shares of stock or other securities of the Company, then (i) there shall
automatically be substituted for each Share subject to a then-outstanding and
unexercised Option granted under the Plan and each Share available for
additional grants of Options under the Plan the number and kind of shares of
stock or other securities into which each outstanding Share shall be exchanged,
(ii) the option price per Share or unit of securities shall be increased or
decreased proportionately so that the aggregate purchase price for the
securities subject to the Option shall remain the same as immediately prior to
such event, and (iii) the Committee shall make such other adjustments to the
securities subject to Options, the provisions of the Plan, and Option Agreements
as may be appropriate or equitable, in order to prevent dilution or enlargement
of Option rights and in accordance with the provisions of Section 424(a) of the
Code to the extent applicable, and any such adjustment shall be final, binding
and conclusive as to each Optionee. Any such adjustment may, in the sole and
absolute discretion of the Committee, provide for the elimination of fractional
shares.

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     6.   OPTION PROVISIONS.

     (a)  OPTION PRICE. The option price per Share under the Plan shall be
          determined by the Committee at the time of grant. The date on which
          the Committee approves the granting of an Option shall be deemed, for
          all purposes, to be the date on which the Option is granted.

     (b)  PERIOD OF OPTION. The Committee shall determine when each Option is to
          expire; provided that no Option shall be exercisable after ten (10)
          years have elapsed from the date upon which the Option is granted.
          Each Option shall be subject to earlier termination as provided in
          this Section.

     (c)  LIMITATION ON EXERCISE AND TRANSFER OF OPTION. Except as otherwise
          provided herein with respect to an Optionee's death, only the Optionee
          may exercise an Option; provided that a guardian or other legal
          representative who has been duly appointed for such Optionee may
          exercise an Option on behalf of the Optionee. No Option granted
          hereunder shall be transferable other than by the Last Will and
          Testament of the Optionee or, if the Optionee dies intestate, by
          applicable laws of descent and distribution. No Option granted
          hereunder may be sold, alienated, pledged or hypothecated or be
          subject to execution, attachment or similar process.

     (d)  CONDITIONS GOVERNING EXERCISE OF OPTION. The Committee may, in its
          sole and absolute discretion, either require that, prior to the
          exercise of any Option granted hereunder, the Optionee shall have been
          an employee of the Company or a Subsidiary for a specified period of
          time after the date such Option was granted, or make any Option
          granted hereunder immediately exercisable. Each Option shall be
          subject to such additional restrictions or conditions with respect to
          the right to exercise and the time and method of exercise as shall be
          prescribed by the Committee. Upon satisfaction of any such conditions,
          the Option may be exercised in whole or in part at any time during the
          Option period, but this right of exercise shall be limited to whole
          Shares, unless the Committee shall otherwise provide. Options shall be
          deemed exercised by the Optionee when (i) written notice of the
          exercise of the Option and the number of Shares with respect to which
          the Option is being exercised has been given by a person entitled to
          exercise the Option to the Secretary of the Company at its principal
          office, (ii) full payment for the Shares with respect to which the
          Option is exercised has been received by the Company, which shall
          consist of any consideration and method of payment permitted by the
          Committee, and (iii) appropriate arrangements with the Company with
          respect to income tax withholding, as required, have been made, which
          arrangements may include, in lieu of other withholding arrangements,
          (I) the Company withholding from issuance to the Optionee such number
          of Shares otherwise issuable upon exercise of the Option as the
          Company and the Optionee may agree, or (II) with the consent of the
          Committee, the Optionee's delivery to the Company of Shares having a
          Fair Market Value on the date the Option is exercised equal to that
          portion of the withholding obligation for which payment in cash is not
          made. Such notice shall be deemed delivered when deposited in the
          mail.

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     (e)  WAIVER BY COMMITTEE OF CONDITIONS GOVERNING EXERCISE OF OPTION. The
          Committee may, in its sole and absolute discretion, waive any
          restrictions or conditions set forth in an Option Agreement concerning
          an Optionee's right to exercise any Option and/or the time and method
          of exercise.

     (f)  CHANGE IN CONTROL.

          (i)     Notwithstanding anything in subsections (a) through (e) to the
                  contrary, in the event of a Change in Control, all then
                  outstanding and exercisable Options shall become fully vested
                  and each Option shall be cancelled as of the date of the
                  Change of Control in exchange for a payment in cash (or its
                  equivalent) equal to the difference between (I) the Shares'
                  Fair Market Value (disregarding the effect of the provisions
                  of Sections 7 and 8(c)); and (II) the Options' exercise price.

          (ii)    Subject to Section 7(b), no vesting, acceleration,
                  cancellation, cashout or other payment under Section 6(f)(i)
                  will occur with respect to any Option or class of Options if.

                  (I)    the Committee reasonably determines in good faith
                         before the Change in Control that Options will be
                         honored or assumed by the new controlling entity or
                         person; and that new rights will be substituted
                         ("Alternative Option") by the new controlling person or
                         entity immediately after the Change in Control; and

                  (II)   The Alternative Option:

                         (A)  is based on stock which is, or within 60 days
                              after the Change in Control will be, traded on an
                              established securities market;

                         (B)  provides each affected Optionee with rights and
                              entitlements substantially equivalent to or better
                              than the rights, terms and conditions of the
                              affected Options, including an identical or better
                              exercise or vesting schedule and identical or
                              better timing and methods of payment;

                         (C)  has substantially the same economic value as the
                              affected Options (determined at the time of the
                              Change in Control); and

                         (D)  provides that, if the Optionee's relationship with
                              the Company and all Subsidiaries is completely
                              severed involuntarily (or, if the Optionee is an
                              employee of the Company or a Subsidiary, the
                              Optionee is Constructively Terminated) within 24
                              months after the Change in Control, any conditions
                              on an Optionee's rights under, or any

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                              restrictions on transfer or exercisability
                              applicable to the Alternative Option, will be
                              waived or lapse.

          (iii)   Any Option that was granted within 6 months before a Change in
                  Control and which is held by a person subject to the reporting
                  requirements of Section 16(a) of the Act may be cashed out
                  under subsection (f)(i) only if the Company's counsel
                  concludes that such cash out will not subject the Optionee to
                  liability under Section 16(b) of the Act.

          The manner of application and interpretation of the foregoing
          provisions, as well as the determination as to whether a Change in
          Control has occurred, shall be determined by the Committee in its sole
          and absolute discretion.

     7.   ADDITIONAL CONDITIONS IMPOSED UPON OPTIONS.

     (a)  RIGHT OF FIRST REFUSAL.

          (i)     Unless the Committee specifies otherwise in an Option
                  Agreement, all Options must reserve to the Company a right of
                  first refusal to repurchase any Shares acquired by an Optionee
                  or beneficiary through the exercise of Options.

          (ii)    This right of first refusal will survive the Optionee's
                  employment, directorship or other relationship with the
                  Company and its Subsidiaries.

          (iii)   An Optionee or beneficiary must notify the Company, in
                  writing, of any intent to sell Shares acquired through the
                  exercise of Options. To be effective, this notice must specify
                  the number of Shares to be sold, the intended purchaser, the
                  proposed date of the sale and the proposed purchase price. The
                  Company will then have 30 days from the date it receives the
                  completed notice to exercise its right to purchase from the
                  Optionee or beneficiary any or all of the Shares described in
                  the notice at the Shares' then-current Fair Market Value. If
                  the Company elects not to purchase the Shares (or does not
                  respond to the Optionee or beneficiary within such 30 day
                  period), the right of first refusal will lapse and the
                  Optionee or beneficiary may sell the Shares, but only under
                  the terms specified and to the person described in the notice
                  given to the Committee under this subsection.

          (iv)    If the identity of the proposed purchaser or any of the terms
                  in the notice described in Section 7(a)(iii) change, the
                  Optionee or beneficiary must give another written notice to
                  the Company containing the information described in such
                  subsection. The Company will have an additional 30 days to
                  decide whether to exercise its right of first refusal under
                  this section. This procedure must be followed with respect to
                  any additional changes in the identity of the proposed
                  purchaser or the terms of the sale.

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     (b)  BUY OUT OF OPTION GRANTS. At any time after an Option becomes
          exercisable, the Committee may elect, in its sole discretion and
          without the consent of the Optionee or beneficiary, to cancel the
          Option and pay to the Optionee or beneficiary the excess of the Fair
          Market Value of the stock subject to the canceled Option over the
          Option exercise price on the date the Committee provides written
          notice ("Buy Out Notice") of its intention to exercise the right
          reserved in this subsection. The Company will complete any buy out
          under this subsection as soon as administratively possible after the
          date of the Buy Out Notice. At the Committee's election, payment of
          the buy out amount may be made in cash, in whole Shares, or partly in
          cash and partly in whole Shares. The number of Shares, if any,
          included in the buy out amount will be determined by dividing the
          amount of the payment to be made in Shares by the Fair Market Value of
          a Share as of the date of the Buy Out Notice.

     8.   TERMINATION OF EMPLOYMENT AND DEATH OF OPTIONEES; REPURCHASE OPTIONS.

     (a)  TERMINATION OF EMPLOYMENT. If an Optionee ceases to be an Employee of
          the Company or its Subsidiaries for any reason, the Optionee may
          exercise any outstanding Options that are then exercisable in
          accordance with Section 6 and the Option Agreement for the period
          specified in the Option Agreement. Such Option shall be subject to the
          Repurchase Option described in Section) 8(c).

          An Optionee's employment shall not be deemed to have terminated while
          he or she is on temporary military, sick or other BONA FIDE leave of
          absence from the Company or a Subsidiary approved in writing by the
          Company, such as a leave of absence described in Section 1.421-7(h) of
          the Federal Income Tax Regulations or any lawful successor regulations
          thereto; provided, however, that the Committee may impose such terms
          and conditions with respect to such leaves as it deems proper and as
          are consistent with such regulations.

     (b)  DEATH. If any Option is, by the terms of the Option Agreements
          exercisable following the Optionee's death, then such Option shall be
          exercisable by the Optionee's beneficiary. Such Option shall be
          exercisable in accordance with Section 6 and the Option Agreement for
          the period specified in the Option Agreement. Such Option shall be
          subject to the Repurchase Option described in Section 8(c).

     (c)  REPURCHASE OPTIONS. Unless the Committee specifies otherwise in an
          Option Agreement, all Options will reserve to the Company a repurchase
          option exercisable when (i) an Optionee ceases to be an Employee of
          the Company or its Subsidiaries; (ii) an Optionee ceases to be an
          Employee of the Company or its Subsidiaries and thereafter exercises
          any Option; or (iii) a beneficiary of any deceased Optionee exercises
          any Option after the Optionee's death.

          The price paid for Shares repurchased in accordance with this
          subsection will be Fair Market Value at the time of the repurchase,
          payable in cash or its equivalent. The Company will complete any
          repurchase under this subsection as soon as

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          administratively possible after the date it notifies the former
          Optionee or beneficiary of its intention to exercise its repurchase
          option under this subsection.

     9.   AMENDMENTS TO THE PLAN. The Committee is authorized to interpret the
Plan and, from time to time, adopt any rules and regulations for carrying out
the Plan that it, may deem advisable. The Committee may amend, modify, suspend
or terminate the Plan at any time. In no event, however, without the approval of
the Company's shareholders, shall any action of the Committee result in:

     (a)  increasing or decreasing, except as provided in Section 5, the maximum
          number of shares for which Options may be granted; or

     (b)  extending either the maximum period during which an Option is
          exercisable as provided in Section 6(b) or the date on which the Plan
          shall terminate as provided in Section 13;

except as necessary to conform the Plan and the Option Agreements to changes in
the Code or other governing law. No Option may be granted during any suspension
of this Plan; or after this Plan has terminated and no amendment, suspension or
termination shall, without the Optionee's consent, alter or impair any of the
rights or obligations under an Option theretofore granted to such Optionee under
this Plan.

     10.  INVESTMENT REPRESENTATION, APPROVALS AND LISTING. The Committee may
condition its grant of any Option hereunder upon receipt of an investment
representation from the Optionee which shall be substantially similar to the
following:

          "Optionee agrees that any shares of Common Stock of MedVest Holdings
          Corporation that Optionee may acquire by virtue of the exercise of
          this option shall be acquired for investment purposes only and not
          with a view to, or in connection with, distribution or resale;
          provided, however, that this restriction shall become inoperative in
          the event the shares of Common Stock of MedVest Holdings Corporation
          which are subject to this option shall be registered under the
          Securities Act of 1933, as amended, or in the event MedVest Holdings
          Corporation is otherwise satisfied that the offer or sale of the
          shares of Common Stock of MedVest Holdings Corporation which are
          subject to this option may lawfully be made without registration under
          the Securities Act of 1933, as amended, and the Optionee or
          beneficiary obtains an opinion of legal counsel for the Company to
          that effect. Any shares shall be subject to the provisions of a
          shareholders agreement dated as of February 3, 2001, counterparts of
          which are available for inspection at MedVest Holding Corporation's
          principal office in the State of Ohio, and any person acquiring any
          shares hereby agrees and consents to be bound by all of the terms and
          provisions of such shareholders agreement, all of the provisions of
          which are incorporated herein and made a part hereof."

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A substantially similar legend (and any other legends required by state or
federal law) shall be borne by any Shares issued or awarded hereunder.

The Company shall not be required to issue any certificates for Shares upon the
exercise of an Option granted under the Plan prior to (i) obtaining any approval
from any governmental agency which the Committee shall, in its sole and absolute
discretion, determine to be necessary or advisable, (ii) completion of any
registration or other qualification of the Shares under any state or federal law
or ruling or regulations of any governmental body or any national securities
exchange or quotation system which the Committee shall, in its sole and absolute
discretion, determine to be necessary or advisable, or the determination by the
Committee, in its sole and absolute discretion, that any registration or other
qualification of the Shares is not necessary or advisable and (iii) obtaining an
investment representation from the Optionee in the form set forth above or in
such other form as the Committee, in its sole and absolute discretion, shall
determine to be adequate.

     11.  GENERAL PROVISIONS.

     (a)  BENEFICIARY DESIGNATION. Each Optionee may name any beneficiary or
          beneficiaries (who may be named contingently or successively) to whom
          any benefit under the Plan is to be paid or by whom any right under
          the Plan is to be exercised in the event of the Optionee's death. Each
          designation will revoke all earlier designations made by the same
          Optionee, must be in a form prescribed by the Committee, and will be
          effective only when filed in writing with the Committee. In the
          absence of an effective beneficiary designation, the Optionee's
          beneficiary shall be his or her surviving spouse, if any, or otherwise
          his or her estate.

     (b)  OPTION AGREEMENTS NEED NOT BE IDENTICAL. The form and substance of
          Option Agreements, whether granted at the same or different times,
          need not be identical.

     (c)  NO RIGHT TO BE EMPLOYED, ETC. Nothing in the Plan or in any Option
          Agreement shall confer upon any Optionee any right to continue as an
          employee or leased employee of the Company or a Subsidiary, or to
          serve as a member of the Board, or to be entitled to receive any
          remuneration or benefits not set forth in the Plan or such Option
          Agreement, or to interfere with or limit either the right of the
          Company or a Subsidiary to terminate the Optionee's employment at any
          time or the right of the shareholders of the Company to remove him or
          her as a member of the Board, with or without cause.

     (d)  OPTIONEE DOES NOT HAVE RIGHTS OF SHAREHOLDER. Nothing contained in the
          Plan or in any Option Agreement shall be construed as entitling any
          Optionee to any rights of a shareholder as a result of the grant of an
          Option until such time as Shares are actually issued to such Optionee
          pursuant to the exercise of an Option.

     (e)  SUCCESSORS IN INTEREST. The Plan shall be binding upon the successors
          and assigns of the Company.

                                       12
<Page>

     (f)  NO LIABILITY UPON DISTRIBUTION OF SHARES. The liability of the Company
          under the Plan and any distribution of Shares made hereunder is
          limited to the obligations set forth herein with respect to such
          distribution and no term or provision of the Plan shall be construed
          to impose any liability on the Company, Board or Committee in favor of
          any person with respect to any loss, cost or expense which the person
          may incur in connection with or arising out of any transaction in
          connection with the Plan, including, but not limited to, any liability
          to any Federal, state, or local tax authority and/or any securities
          regulatory authority.

     (g)  TAXES. Appropriate provision shall be made for all taxes required to
          be withheld and/or paid in connection with the Options or the exercise
          thereof, and the transfer of Shares pursuant thereto, under the
          applicable laws or other regulations of any governmental authority,
          whether Federal, state or local and whether domestic or foreign. The
          Company may defer any payments or issuance of Shares until such
          obligations are satisfied.

     (h)  USE OF PROCEEDS. The cash proceeds received by the Company from the
          issuance of Shares pursuant to the Plan will be used for general
          corporate purposes, or in such other manner as the Board deems
          appropriate.

     (i)  EXPENSES. The expenses of administering the Plan shall be borne by the
          Company.

     (j)  CAPTIONS. The captions and section numbers appearing in the Plan are
          included only as a matter of convenience. They do not define, limit,
          construe or describe the scope or intent of the provisions of the
          Plan.

     (k)  NUMBER. The use of the singular or plural herein shall not be
          restrictive as to number and shall be interpreted in all cases as the
          context may require.

     (l)  GENDER. The use of the feminine, masculine or neuter pronoun shall not
          be restrictive as to gender and shall be interpreted in all cases as
          the context may require.

     12.  DETERMINATION OF FAIR MARKET VALUE. Fair Market Value shall be such
amount, determined as of the date which shall be the last day of the month
preceding the month in which an event occurs requiring such determination of
Fair Market Value (the "Determination Date") as is derived from application of
the following formula ("Formula"):

                                    Formula

                    (A x B) - C         =      F
                    -----------
                    D + E

                    (F-G) x H.          =      Total Consideration Payable

as used in the Formula set forth above:

                                       13
<Page>

     "A" means Earnings Before Interest, Taxes, Depreciation and Amortization
("EBITDA") as determined in accordance with generally accepted accounting
principles, for the twelve months ending on the last day of the month preceding
the month in which the Determination Date occurs, calculated on a consolidated
basis and including the consolidated EBITDA of all members of an affiliated
group of entities, including parents and subsidiaries of MedVest or any
successor Company succeeding to or controlling the business operations of
MedVest's wholly-owned subsidiary, Medex, Inc. and its subsidiaries, the
foregoing EBITDA shall exclude extraordinary and/or non-cash gains or losses but
shall be increased by net non-cash expenses for contributions to employee
benefit or stock ownership plans.

     "B" means the multiplier, which shall be eight (8).

     "C" means the present value of all debt except trade debt, trade payables
and intercompany payables and/or intercompany debt of all companies in the
affiliated group of entities, including parents and subsidiaries of MedVest or
any successor Company succeeding to or controlling the business operations of
Medex, Inc. and its Subsidiaries.

     "D" means the actual number of shares of common stock of MedVest or any
successor Company of MedVest succeeding to or controlling the business
operations of MedVest's subsidiary, Medex, Inc., which are outstanding as at the
Determination Date.

     "E" means shares of MedVest or any successor company of MedVest succeeding
to or controlling the business operations of Medex, Inc. which are not currently
outstanding but identified and reserved for issuance pursuant to stock options
or other stock ownership programs including shares into which preferred shares
of MedVest or any parent or successor Company of MedVest are convertible.

     "F" means the price payable per Share (including Shares represented by
unexercised options).

     "G" means the exercise price per Share of any unexercised options.

     "H" means the number of Shares being redeemed or purchased.

     Notwithstanding the foregoing, in the event of a sale of all or
substantially all of the stock or assets of MedVest, or any parent Company
succeeding to the business operations of Medex, Inc. and its Subsidiaries within
the twenty-four (24) months following exercise of a repurchase option or buyout
option by the Company for a price per Share which is greater than the price per
Share determined under the Formula set forth above (adjusted as necessary to an
equivalent number of shares as are subject to the application of the Formula,
the Optionee shall be entitled to and shall receive from the Company such amount
as will be equal to the difference, multiplied by the total number of Shares or
Options previously redeemed or purchased.

     In   the event MedVest as an entity is a shareholder in a parent or
successor Company succeeding to or controlling the business operations of Medex,
Inc. and its Subsidiaries the value of MedVest's shareholdings shall be
separately determined in accordance with the Formula and the value of each
Optionee's shares shall be separately valued.

                                       14
<Page>

     13.  TERMINATION OF THE PLAN. The Plan shall terminate on April 30, 2012,
and thereafter no Options shall be granted under the Plan. All Options
outstanding at the time of termination of the Plan shall continue in full force
and effect according to the terms of the Option Agreements governing such
Options and the terms and conditions of the Plan.

     14.  GOVERNING LAW. The Plan shall be governed by and construed in
accordance with the laws of the State of Ohio and any applicable federal law.

     15.  INDEMNIFICATION. Each person who is or was a member of the Committee
or of the Board will be indemnified and held harmless by the Company against and
from any loss, cost, liability or expense that may be imposed upon or reasonably
incurred by him or her in connection with or resulting from any claim, action,
suit or proceeding to which he or she may be made a party or in which he or she
may be involved by reason of any action taken or failure to act under the Plan
and against and from any and all amounts paid by him or her in settlement
thereof, with the Company's approval; or paid by him or her in satisfaction of
any judgment in any such action, suit or proceeding against him or her, provided
he or she gives the Company an opportunity, at its own expense, to handle and
defend the same before he or she undertakes to handle and defend it in his or,
her own behalf. The foregoing right of indemnification is not exclusive and is
independent of any other rights of indemnification to which such persons may be
entitled under the Company's Articles of Incorporation or Code of Regulations,
by contract, as a matter of law, or otherwise.

     16.  CHANGES IN GOVERNING RULES AND REGULATIONS. All references herein to
the Code or sections thereof, or to rules and regulations of the Department of
Treasury or of the Securities and Exchange Commission, shall mean and include
the Code sections thereof and such rules and regulations as are now in effect or
as they may be subsequently amended, modified, substituted or superseded.

     IN   WITNESS WHEREOF, MEDVEST HOLDINGS CORPORATION, by its appropriate
officers duly authorized, has executed this instrument effective the 1st day of
May, 2002.

                                                   MEDVEST HOLDINGS CORPORATION

                                                   By: /s/ Dominick A. Arena
                                                       ---------------------
                                                       Chairman

                                                   And: /s/ Charles J. Jamison
                                                        ----------------------
                                                        Secretary

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Exhibit 10.1    
    

	Bankmark	 	

	 	 	 	P.O. Box 13502 /*/ San Luis Obispo, CA 93406 /*/ (805) 547-8850

 
 

CONSULTING AGREEMENT

        This
Consulting Agreement ("Agreement") is entered into on this 27th day of February, 2003, by and between Bankmark & Financial Marketing Services ("Bankmark"), and  First Metroplex Capital, Inc.
("Bank"), with organizational offices at                        . Other references made to the term
"Bank" represent the de
novo bank and its Organizers. 

        The
parties hereby agree as follows: 

1.     SCOPE OF THE ENGAGEMENT  

        Bankmark's primary responsibility within the scope and term of the engagement is to provide project management, resource identification, and resource management
in conjunction with the client and facilitate the capital acquisition phase of the project. Bankmark's role during the organizational phase usually is or can be: 

	•
	Presentation
with core group members of the opportunity to new perspective organizers/directors. It's Bankmark's success rate, performance, and clear understanding of the
process that is articulated during these meeting. This establishes the credibility that most investors are seeking before they put any funds at risk. Bankmark provides a new group the ability to say,
"We have with us as partners a firm that has been there and done that...and recently".

	•
	A
diverse group of industry experts in all areas required to open a bank: corresponding bank relationships, project financing, equipment, technology, legal, accounting,
operations, facilities that are capable of providing a turn key bank with custom features or select needs based on specific client request. It is important to realize that opening a bank is far more
complex a process and requires a different skill set than managing a bank on a day-to-day basis that is already in operation.

	•
	Over
the years and especially more recently, organizers, directors, and management continuously infer we "help them see around the corner". Meaning that at any point during
the process, we are able to advise our clients as to what's ahead and the impact of options being considered or plans in the queue. The process allows clients to more thoroughly evaluate an element
under consideration that may not produce the result desired by the bank's organizing group. If necessary, the group is encouraged to visit banks which have recently opened to better understand the
impact and ramifications of their own decisions.

	•
	Bankmark
provides project management and tools, which allow the group to interact with their area of expertise or assignment in the project management process. Our client
bank PM programs are built in MS Project and use, as baseline data, our most recently completed projects' timeline information. This process assures all elements to opening in a timely manner and
within budget.

	•
	The
keystone to the Bankmark process is the capital acquisition programs built, supported, and implemented at each bank location by trained Bankmark staff.

	•
	Determination
of charter and review of new filing procedures by the OCC & FDIC in conjunction with the organizing group.

	•
	Discussion
of facilities/locations 

1

 

	•
	Legal
representation review and discussion which firms processed the last several applications

	•
	Pre-opening
budget discussion and review

	•
	Identification
and Recruitment of qualified Management Team for review with personnel committee and Board of Directors.

	•
	Preparing
& building the management team for presentation to the regulatory agencies and submission of the application process

	•
	What
role now during the organization phase

	•
	What
role when the bank opens

	•
	When
does the management team start...ideally 

2.     CONSULTING FEES

        Bankmark
will design a marketing campaign to strategically support a public offering of $10-12 million (or number to be established in the business plan) to be made by
the prospectus/offering and qualified with the State Department of Financial Institutions and/or the Office of the Comptroller of the Currency. Bankmark's professional fee for services is as follows: 

	•
	The
fee for facilitating a marketing capitalization campaign to support the public offering is $385,000. This is the total fee and there are no contingencies regarding its
payment. All fees are due and payable in advance of the month the work is to be performed. All invoices for such fees and expenses are due no later than the third business day from receipt of invoice.

	•
	The
fees shall be paid in the following incremental amounts: 

	 	 	 	 	Payment #  1	 	$8,000	 	February
	 	 	 	 	Payment #  2	 	$8,000	 	March
	 	 	 	 	Payment #  3	 	$12,000	 	April
	 	 	 	 	Payment #  4	 	$12,000	 	May
	 	 	 	 	Payment #  5	 	$12,000	 	June
	 	 	 	 	Payment #  6	 	$12,000	 	July
	 	 	 	 	Payment #  7	 	$12,000	 	August
	 	 	 	 	Payment #  8	 	$18,000	 	September
	 	 	 	 	Payment #  9	 	$36,000	 	October
	 	 	 	 	Payment # 10	 	$46,000	 	November
	 	 	 	 	Payment # 11	 	$46,000	 	December
	 	 	 	 	Payment # 12	 	$46,000	 	January
	 	 	 	 	Payment # 13	 	$46,000	 	February
	 	 	 	 	Payment # 14	 	$46,000	 	March
	 	 	 	 	Payment # 15	 	$25,000	 	(1) see note page 6
	 	 	 	 	
	 	
	 	

	 	 	 	 	Professional Fee Total	 	$385,000	 	 

        Bankmark
may from time to time, based on project financing, defer a portion of a specific payment. At Bankmark's discretion the bank will be notified as to when the deferred amount is
due. 

2

 

3.     EXPENSES TO BE PAID BY THE BANK

Projected Costs:  

        Bankmark's fees are disbursed monthly over the life of the project. Other costs are paid by the Bank but managed by Bankmark. Based on the assumption that the
Bank will have to host 105-125 investment meetings with an average attendance of 25 attendees to meet 2,625(minimum) qualified investors, the following costs are projected: 

Computer Network System & Printers Rental Service  

	 	 	 	 	 	 	June	 	$1,800
	 	 	 	 	 	 	July	 	$1,800
	 	 	 	 	 	 	August	 	$1,800
	 	 	 	 	 	 	September	 	$1,800
	 	 	 	 	 	 	October	 	$1,800
	 	 	 	 	 	 	November	 	$1,800
	 	 	 	 	 	 	December	 	$1,800
	 	 	 	 	 	 	January	 	$1,800
	 	 	 	 	 	 	February	 	$1,800
	 	 	 	 	 	 	
	 	

	 	 	 	 	 	 	TOTAL	 	$16,200

Graphics Program Development  

        Logo, Letterhead, Business Cards, Envelopes, prospectus, promotional materials, organization website (design to production), no printing 

	 	 	 	 	 	 	August	 	$9,000
	 	 	 	 	 	 	September	 	$9,000
	 	 	 	 	 	 	October	 	$9,000
	 	 	 	 	 	 	
	 	

	 	 	 	 	 	 	TOTAL	 	$27,000

Part Time Support Staff  

	 	 	 	 	 	 	April	 	$4,785*
	 	 	 	 	 	 	May	 	$5,980*
	 	 	 	 	 	 	June	 	$4,785*
	 	 	 	 	 	 	July	 	$4,785*
	 	 	 	 	 	 	August	 	$5,980*
	 	 	 	 	 	 	September	 	$8,625
	 	 	 	 	 	 	October	 	$13,180*
	 	 	 	 	 	 	November	 	$10,545*
	 	 	 	 	 	 	December	 	$10,545*
	 	 	 	 	 	 	January	 	$13,180
	 	 	 	 	 	 	February	 	$10,145*
	 	 	 	 	 	 	
	 	

	 	 	 	 	 	 	TOTAL	 	$92,935*

3

 

        The
staffing budget only represents a monthly estimate. As we begin the hiring process closer to the stock sale campaign, we will present a more specific (weekly) cost per person
spreadsheet for approval. *This represents a very conservative estimate. Payroll expense due net 15 days from date of invoice received.

Food, Beverage, Facilities (based on 100-120 events)  

	 	 	 	 	 	 	September	 	$6,000
	 	 	 	 	 	 	October	 	$12,000
	 	 	 	 	 	 	November	 	$12,000
	 	 	 	 	 	 	December	 	$10,000
	 	 	 	 	 	 	January	 	$10,000
	 	 	 	 	 	 	February	 	$10,000
	 	 	 	 	 	 	
	 	

	 	 	 	 	 	 	TOTAL	 	$60,000

        These
amounts only represent estimates. As each month is planned in advance, the estimates will be recalculated on a per event cost. The event cost are also tracked weekly as each event
occurs, cost are posted so at all times the PM and the client know exactly where the project stands in relationship to the budget. This is a cost category tracked jointly by the client and Bankmark. 

External Printing  

	•
	Invitations

	•
	circular &
all the packaging

	•
	boards
for investment meetings

	•
	Business
Cards, Envelopes 

        The
quantities, paper specification, etc. will be bid out/estimated upon completion of the design phase. If possible Bankmark will secure a local printer provided the quality standards
can be met in relationship to the budget. All print estimates and purchase orders will be signed and approved by the client. 

$30,000  

Internal Printing**  

        Internal Printing is a service provided by Bankmark whereby full digital color printing is needed only during the stock sale process. Some examples are Sponsor
development handouts, Chairman Circle Advisory/Founders' Group Handout. Because Bankmark prints these files digitally in-house, the client is afforded a cost per piece savings in
comparison to using a "Kinko's" of at least 50%. This in-house process allows Bankmark the ability to manage on behalf of the client ordering only what is needed on a weekly basis.
Therefore, our quantity counts are low. 

$7,500  

Marketing Promotions**  

	•
	The
chairman's' circle/Founders coffee promotion

	•
	Logo
golf style shirts

	•
	Other
name recognition items 

4

 

        The
specifics (i.e. count, item, color specifications, set-up fees) will be outlined in a separate agreement for approval by bank/project management prior to beginning the
events process. This will include all design, dye-cast, set-up, production and shipping requirements. 

$21,000  

Speaker Honorariums**  

        Speaker Honorariums are paid to any qualified industry expert identified by Bankmark. These individuals most likely have previous experience with the Bankmark
program, content and format especially as it relates to regulatory dos and don'ts. They could be Robert Steiner, Dan Hudson, Dennis Ceklovsky, or David Lakes. Each event fee is $450 per event (80
events approx). At the end of each 15-day period during the events phase of the project, Bankmark and the Bank will review and reconcile the speaker honorariums to be paid for that period. 

$36,000  

Public and Promotional Events  

        Public and Promotional Events are events "outside of the box" or a standard event whereby the event has a theme that is usually time sensitive, that a special
guest speaker has been scheduled, the event requires a broader scope and scale or marketing to draw a larger qualified audience. Any event in this category budget is planned and approved by the bank
organizers. 

$8,000  

        These
projected costs are based on the following assumption: 

        The
most important factor in holding the events cost to a minimum is to maintain a high average attendance: 1) get them to an event and 2) follow up to gauge their interest
within 24-48 hours. If our goal is a minimum of 2,625 qualified attendees and we maintain an average attendance of 25 per event, the Bank can reach its capitalization goal upon
completion of the 105 th event. The caveat is the follow-up by Directors and the Bank is imperative to the success of the Capital Acquisition Program based on these assumptions. 

        These fees only represent an estimate.    As each required service is negotiated with the selected firm
or individual, an agreement or purchase order will be submitted to and approved by the Bank's Management in advance of any payment or commitment to pay. These agreements will be itemized and totaled
in a report to management on a monthly basis to account for monies committed or owed against the estimated budget. In each and every case where a budget may
be exceeded due to necessary changes in the regulatory process, additional events, or any other requirements required to support the Capital Acquisition Campaign, Management
will pre-approve the new budget before it is incurred.

(1)    The
final payment of $25,000 is due at the release of funds from the impound account, or 140 days from the effective date of the prospectus/offering, whichever is
first. It should be understood that receipt of the final payment of $25,000 is not contingent upon any conditions or performance. 

        **Fees
paid directly to Bankmark. 

5

 

4.     TERM

        The
contract shall expire 120 calendar days from the effective date as published on the offering circular at 5:00 p.m. unless otherwise extended by  mutual agreement, in writing. Any budgetary
requirements associated with the continuation of said agreement will be outlined by Bankmark and
pre-approved by the Bank or the Bank's representative before any work is continued. All extensions are in 30-day increments approved by both parties. Each 30-day
extension is for the fee of $35,000. All fees for extensions are due at the beginning of the 30-day extension. 

        The
client may opt for a 30-day no fee period after 120 calendar days from the effective date of the offering circular. 

5.     STAFFING REQUIREMENTS BY FMS/BANKMARK

        Overall
project responsibility on behalf of Bankmark will be carried out by Dan Hudson ("DH"), Robert Steiner ("RS"), Project Supervisor ("PS"), and PM(s) ("PM"). During the period of
time prior to beginning the investment meetings, a senior associate for Bankmark (PM, PS, DH) will meet with the Organizers or Management Personnel a minimum of once every two weeks for a project
briefing and update session. A client conference report will be provided to outline the project timeline, responsibilities and resource requirements for the upcoming two weeks and anticipated monthly
scheduling or participation required of Bank personnel or the organizing group. It is estimated that a senior associate (DH, RS or PM) will be on location a minimum of 3 days per week prior to
the investment meetings beginning. The composition of Bankmark's management team will be further defined upon project commencement. 

6.     OTHER STAFFING REQUIREMENTS

        All
part time individuals will be made available by the Bank and will report directly to Bankmark's PM. Their work scheduling, daily job responsibilities, and if necessary dismissal from
the project are the responsibility of Bankmark's PM. Prior to any dismissal of a project employee, Bankmark will review the circumstances and conditions with the bank board concerning the employee and
their recommendations, if any, for dismissal. The determination of an hourly wage will be gauged and set by the PM based on the experience and skill necessary to perform their job responsibilities
pursuant to the requirements of this Agreement. For example, regardless of policies established within the institution, Bankmark or organization/group will not employ $8 per hour fast food entry level
personnel for positions which require data entry and sorting skills and/or meeting the public, i.e. a skill level of $12-$14 an hour (or prevailing wage). However, all expenditures of this nature will
be within the budget described above unless otherwise agreed to in writing by each party. 

        The
staff's payroll will be managed by the PM, a Bankmark person familiar with the firm that pays the employees. Invoices are processed through Bankmark's Payroll Manager, approved by
the PM and presented to the client. The client must pay for these outside services net 15 days of presentation. 

        Other
part time staff or FTE's (Full Time Equivalent) time has been allocated pursuant to the project budget. Some staff members do not work on site at the organizational office but at
Bankmark's office in San Luis Obispo, CA. This provides consistency from project to project, access through universities for data entry personnel or other essential personnel that Bankmark does not
have to hire, train, and release as a project ends. Instead it provides continuity to all Bankmark's clients by spreading out the part time hours needed to support all of Bankmark's projects. 

6

 

        For
many banking professionals not being able to "see" an individual causes concern when, in fact, it is the work to be produced in total and in relationship to the project's needs at
that pecific juncture. Example: Some days the data entry personnel are completely inundated with oster entry and proofing 3-4 staff members. The next day the entire off site office group
is onsumed with one project. Over all what this systems provides (and within a more managed budgetary process) is the human resource component consistently but on call without the project staff on
site being inflated. 

        Part-time RSVP Callers:    Telephone calls to invite critical leads, close friends and personal business relations
are best made by the Organizer. However, based on the fact that there are other time commitments by the Organizers, it may be necessary from time to time to employ RSVP callers. These are hourly
employees used only during the events phase and not continuously. If it is necessary to employ these individuals, a budget will have to be established. This should only be a back-up
contingency. 

7.     FACILITY REQUIREMENTS

        The
Bank must provide a working location to support a full time staff of 6-8: 1 senior associate, 1 PM and part time people. It should comfortably sustain four
desks and the necessary number of working tables and chairs for processing the events material. (1,500-2,000 square feet exclusive). The facility shall be secured, well lighted for
access 24/7. Unless otherwise noted by memo or addendum, the computer equipment which is supplied is the property of Bankmark. Bankmark and its personnel will not be restricted in any manner
from access to its equipment or otherwise. 

8.     MISCELLANEOUS EQUIPMENT & SUPPLIES

        The
PM and support staff must have access to a minimum of 6 phone lines which are not too heavily used by other Bank operational needs, plus one dedicated high speed data line (DSL/Cable
modem) and one dedicated fax line. The staff must also be provided with a designated fax machine and copier, which are needed for reports required to keep Organizers and Bank Management updated with
current potential shareholder names and event schedules. There is also a significant amount of copying required in the database management and the reporting function. The project also requires a
varying amount of office supplies; pens, pads of paper, computer paper, etc., which will be ordered by the PM through the Bank's supplier. There are monthly phone charges for sending data via modem
between Bankmark's data center and the Bank's onsite computer systems. These line charges will be billed monthly with copies of the charges from the phone bill. There will be monthly charges for Fed
Ex/UPS regarding overnight shipping of data entry work, lists or supplies. 

8.1  

        The procurement of supplies to maintain the project's readiness will be maintained by the PM. The Bank will establish a business account will Office Depot, Office
Max, Staples or an equivalent. When supplies are needed the PM will put together a supply request form to be approved by Senior Management. Upon approval by Senior Management the PM will procure the
materials and maintain an inventory for the project. 

7

 

9.     CONFIDENTIALITY OF INFORMATION  

        Without the prior consent of the Bank, Bankmark shall keep confidential and shall not disclose to any third party any of the database or project files or any
financial or other information relating to the Bank, which the Bank advises Bankmark is to be deemed confidential. From time to time during the "events" phase of the project, Financial
Marketing/Bankmark may invite guests to observe an event. These guests may be other consultants or bank directors and officers from another bank. The Bank will not unreasonably restrict Bankmark in
allowing its guests to attend and observe the process. If the prospective guest(s) are from the Northeastern area, Bankmark will inform the client. The client and Bankmark will then select a meeting
in which these local guests may attend. 

10.   RESPONSIBILITY AND ACCOUNTABILITY  

        To assure fulfillment of the requirements within this Agreement, the Bank and/or Organizers of the Bank will designate one individual to work directly with
Bankmark in the management and implementation of this Agreement. The contact people are the following: _____________ 

11.   ACCESS TO MATERIALS NECESSARY TO FILL THE TERMS OF AGREEMENT  

        The Bank will supply Bankmark with necessary copies of documents to develop the "sales story" for the investment meeting presentation and development of the
director training materials, i.e., the FDIC application, the state application, business plans, strategic plans, etc. 

OTHER COVENANTS PROVIDED BY CLIENT 12-22  

        Bankmark hereby warrants and represents that Bankmark shall: 

12  

        On a best efforts basis, with client adherence to the terms and recommendations, work diligently to implement all items discussed herein. 

12.1  

        Not assume or create any obligation for, or on behalf of, or in the name of, or in any way bind, the Bank except as expressly provided by this Agreement. 

12.2  

        Engage in no conduct in the performance of this Agreement that reflects unfavorably on the Bank. 

12.3  

        Obey all laws regulating the conduct of business and be solely responsible for the acts of any agent, employee or representative utilized in connection with the
performance of this Agreement; this is introduced and managed by Bankmark for the sole responsibility of implementing the work as prescribed herein. Other agents, contractors or firms employed or
contracted by the Bank or Organizers are the responsibility of Management and the organizing group. 

8

 

12.4  

        Defend, indemnify, and hold harmless the Bank from any and all liability, claims, demands, suits, costs, charges, and expenses, including, without limitation,
attorney's fees incident to any claim, loss, damage, or injury to the person or property of Bankmark and Bankmark's agents, employees and/or contractors, or to the person or property of anyone injured
through the acts or omissions of Bankmark or of agents employees, or other persons acting on Bankmark's behalf; except for other firms or employees contracted directly with the Bank or Organizers. 

12.5  

        Bankmark warrants and represents that it has the necessary personnel, experience, expertise and ability to successfully organize, implement and promote the Bank
in accordance with the budget. 

13    OWNERSHIP OF MATERIALS  

        Rights of ownership and reproduction of materials supplied by Bankmark remain solely with Bankmark. This includes proprietary methods, training materials,
handouts and evaluation tools used during the implementation of this Agreement. Any materials developed specifically for the Bank, i.e. logos, corporate identity package, signage, etc. belong to the
Bank when all monies owed as a result of this work have been paid by the Bank as prescribed within this Agreement. Any other work, which may be developed for the Bank such as promotional materials,
etc. ownership licensing rights or rights of reproduction will be outlined and agreed to by each party before said work begins or is produced. Any creative materials which are developed by Bankmark or
any subsidiary group may be presented by said groups in their portfolios, marketing materials, and websites. 

13.1 BANKMARK COPYRIGHTS & PATENTS  

        During the course of the consulting engagement, Bankmark will as part of its responsibility make available or provide materials to the organizers, directors and
management team. These materials are only for the specific purpose of managing, tracking, education and training. They are not to be copied or distributed outside the immediate group of organizers,
directors, management and staff. These materials are for internal use only. Should they be mistakenly used during the capital acquisition phase of the engagement, the project members of the group
could be put at risk. These educational materials are for the sole purpose of training and may not be used for sales or solicitation of prospective shareholders. These materials and the process they
represent are proprietary to Bankmark and are protected by copyrights. 

        The
database application program is owned by Bankmark. In the case of a de novo Bank whose current staff possesses the skills and talents to copy, modify, change or duplicate the
application program, the Bank directors and management must assure Bankmark that no efforts by said staff will occur. 

        At
no time while Bankmark is actively engaged in the project or upon its completion will the software application program be modified, duplicated, copied or changed without our prior
written approval. 

        The
lists, rosters, critical leads, or any materials supplied to Bankmark for the development of the database is the property of the group and or individual who provided the materials.
Upon completion by the staff of use of this material it will be returned to the individual whom it belongs. The completed database will become the property of the bank upon completion of the project
and fulfillment of the terms specified in this agreement. 

9

 

14.   NON COMPETE  

        Bankmark is currently working and meeting with other organizing groups in other areas of the United States and it is not our practice to provide non compete
covenants during organization, as groups can end their organizing efforts at anytime by electing not to finish the project. However should the Bank upon opening use Bankmark to provide marketing
programs and services, a limited non compete agreement can be developed pertaining to the Bank's immediate marketing area. Bankmark will not engage an assimilar activity for organizing a bank within a
15-mile radius of Frisco & Addison, Texas during the term of this engagement. 

15.   ASSIGNMENT  

        Except as provided herein, this Agreement or any rights or obligations hereunder may not be assigned by either party without the prior written consent of the
other party. 

16.   SURVIVAL  

        Paragraphs 9, 12, 13 and 14 shall survive the expiration or termination of this Agreement. 

17.   AMENDMENTS  

        This Agreement may be modified in writing only, and cannot be changed orally. 

18.   COMPLETE AGREEMENT  

        This contract is the entire and only agreement between the parties. The contract replaces and amends any previous agreements between the parties. This contract
can only be changed by agreement in writing signed by both parties. 

19.   PARTIES LIABLE  

        This contract is binding upon all parties who sign it and all who succeed to their rights and responsibilities. 

20.   NOTICES  

        All notices under this contract must be in writing. The notices must be delivered personally or mailed by certified mail, return receipt requested or
Fed-Ex/UPS Next day to the other party at the address written in this contract, or to that party's attorney. 

21.   CHOICE OF LAW  

        The terms of this contract shall be interpreted under the laws of the state in which the Application is filed. 

22.   SEVERABILITY  

        If one or more of the provisions of this contract are deemed invalid or illegal the remainder of the contract shall survive. 

 
 

ADDITIONAL TERMS OF THE CONSULTING AGREEMENT    
    

	•
	Bankmark
shall be available to meet with any regulatory agencies or the Bank's attorney as needed to effectively implement the requirements of this Agreement. 

10

 

	•
	Upon
completion of the public offering, Bankmark will provide a written action report on issues concerning the de novo bank in the areas of product development, delivery
systems, and topical marketing needs based on current trends experienced during the campaign. This written report will be followed by an oral presentation by Hudson & Steiner to the Board of
Directors. This is not to be confused with a marketing plan but rather a report on issues and recommendations.

	•
	The
parties agree that the Bank or Bankmark may require that any controversy or claim arising out of or relating to this Agreement, or the breach thereof, will be settled by
arbitration in accordance with the Rules of the American Arbitration Association in effect at the time that the controversy or claim arises, and judgment upon the award rendered by the arbitrator may
be entered in any court having jurisdiction thereof. The forum for any such arbitration proceeding shall be at the local office of the Judicial Arbitration Mediation Service nearest to the
headquarters of the Bank.

	•
	Should
any legal action or arbitration proceeding be brought in connection with any provisions of this Agreement, or to collect damages for either the breach of any term of
this Agreement or false representation or warranty given in connection with this Agreement, the prevailing party shall be entitled to recover all reasonable attorney fees, and costs and expenses
actually incurred in such action or proceeding.

	•
	Significant
suppliers of goods or services shall be approved jointly by Bankmark and the Bank to assure the greatest possible success. If the Bank requires the specific use
of a supplier, the Bank will assume all responsibilities for delivery of those specific goods and services, and any delays or problems caused by use of said supplier. Bankmark's purchasing strengths
due to its long term relationship with many suppliers provides clients with the advantage of special pricing, i.e. reduced fees, or better terms, i.e. delayed partial payment until release of funds
from the impound account. While all contracts negotiated with any provider of goods or services and approved by the client, any firms or individuals that are providers of these services on an ongoing
basis for Bankmark are managed by Bankmark with oversight by the organizers during the term of the engagement. It's this leverage and tie to responsibility that allows Bankmark to procure and expedite
service to its clients. Bankmark shall not accept any gratuity, rebate, fee, non-cash trade, commission or any other direct or indirect accommodation as it pertains to providers of goods
or services used to implement the work as prescribed herein. Bankmark maintains an ongoing marketing relationship which may include fee for referrals, shared marketing and promotional costs for
workshops and seminars with, but not limited to, the following firms: 1) Foster, Pepper & Shefelman PLLC, 2) East Point Technologies, 3) Midwest Bankers, Jenkens &
Gilchrist, 4) Brooks, Pierce, McLender, Humphrey & Leonard LLP, 5) Information Management Technologies, 6) TIB, 7) Aldrich & Bonnefin,
8) Steiner & Associates, 9) DFC Consulting Company, 10) Bankers' Compliance Group, 11) WIB, 12) Stevens & Lee, 13) Goodwin & Procter,
14) Powell, Goldstein, Frazer & Murphy. Should the bank elect to engage the services of any of these professional organizations, it is the responsibility of the bank to conduct their own
thorough evaluation of the services to be provided. 

11

 

	•
	Speaker
honorariums and travel expenses can become very costly. It is Bankmark's intent to provide the best resource to accomplish this task. To have a celebrity speaker for
each function of the estimated 80+ functions would be cost prohibitive. When applicable, Bankmark will use bank directors from other institutions, industry observers, and in many cases, Robert
Steiner. Mr. Steiner's relationship as a speaker is separate from that of services provided directly by Bankmark. As a speaker, Mr. Steiner is paid by the Bank from the estimated budget
for speaker honorariums or any other individual designated by Bankmark as appropriate. Because speakers must set aside the time to meet the requirements of the scheduled meetings, if for any reason
the meetings are canceled, they are paid accordingly. If canceled within 48 hours notice, 50% of the speaker honorarium is due. If canceled 24 hours prior to the meeting, the entire fee
is due.

	•
	Let
it be understood that Bankmark does not participate directly or indirectly in any sales transaction between the Bank and prospective shareholders, nor will it solicit
subscription agreements or collect monies for prospective shareholders in connection with such activity. Because Bankmark is not an agent for the Bank or the de novo bank, or making representations as
an agent, the Bank agrees to indemnify and hold harmless Bankmark from and against any and all damages, loss, cost expense, obligation, claim or liability, including but not limited to attorney fees
and expenses, arising as a result of the Bank making said offering.

	•
	The
scope, nature and details of the consulting services provided by Bankmark, as well as the identity and background of the parties Bankmark introduces to the Bank, will
not be divulged to anyone other than those directly representing the parties to the transaction and unless otherwise required by applicable law.

	•
	During
the term of this Agreement, should Dan Hudson/Bankmark become incapacitated and unable to direct this project in any manner, Robert Steiner will complete the project
as prescribed herein and the Bank will pay to Mr. Steiner any forthcoming payments. Notification to enact this specific condition of the Agreement will be in writing by Mr. Hudson or his
estate representative for Bankmark. If the Bank does not elect to have Mr. Steiner complete the project, all monies owed Bankmark are still due and payable as prescribed herein.

	•
	Bankmark
works for and at the sole discretion of the Board of Directors. If, at any time, Bankmark believes the group needs to receive information or be informed of any
detail affecting the project, Bankmark will not be denied access to the group in any manner. 

        The
parties have executed this Agreement to be effective as of                        (the "Start Date"). 

	Financial Marketing Services/Bankmark	 	 	 	First Metroplex Capital, Inc.
	

/s/  DAN HUDSON      
 Dan Hudson, President & CEO	
 	

 	
 	

/s/  PATRICK ADAMS      
 Patrick Adams

12

 

Bankmark

                              P.O. Box 13502 · San Luis Obispo, CA 93406 ·
(805) 547-8850 

 
 

ADDENDUM    
    

        This Addendum is attached to and made part of that certain Consulting Agreement by and between Bankmark and First
Metroplex Capital, Inc. ("Bank") dated February 27, 2003.

OUTLINE PROJECT CAPITALIZATION PROCESS  

        Bankmark will provide project management services for the capitalization of the Bank to include, but not limited to: 

	A.
	Strategic
Capitalization Plan,

	B.
	Public
Relations,

	C.
	Events
Management and Speaker Coordination,

	D.
	Director/Senior
Management Training on How to Present the Independent Bank as an Investment Opportunity,

	E.
	Shareholder
Database Management and Computer Equipment,

	F.
	Consultation
regarding the development of marketing communication materials,

	G.
	Written
opinions, observations, and oral presentations on strategic issues concerning the Bank will be presented during the engagement period. A marketing opinion paper will be
presented to Directors and Senior Management at the conclusion of the campaign. 

A. STRATEGIC CAPITALIZATION PLAN

        The
success of any capitalization effort is the strategic plan which, when developed, is built on the realistic abilities of each Director's strengths, weaknesses, opportunities and
threats. This plan is developed only after a series of personal interviews with each Director. 

        The
elements of each Director interview is quantified, weighted and formulated in a matrix format. This allows Bankmark to develop a capitalization plan based upon the expected,
collective contributions of the Director Group and Senior Bank Management. It allows for the optimization of each individual's effectiveness based on their available time, sphere of influence, sales
abilities and other critical factors. 

        The
capitalization plan is designed to meet the Bank's required capital needs in increments, based on how focused Management and the Director Group is and how quickly they wish to
proceed. The group will have an opportunity to contribute its input before the plan is finalized. During the development of the capitalization plan, Bankmark will meet with the de novo bank's
representative every thirty days (or as needed) to review Bankmark's progress, share any concerns, or discuss possible requests for assistance the Bank and Organizers of the de novo bank may have.
Within a reasonable time from the start date of the Consulting Agreement, Bankmark will submit to the Organizers a written report of its assessment of the organizing group and where it sees the de
novo bank within its marketplace, but before the capital acquisition program. This report will also include a detailed strategic capitalization plan with a proposed events calendar. It should be noted
that change might occur in the plan based on input from Bank Management, the approval of the offering and its anticipated effective date. Upon the final review by Bank Management and the incorporation
of any changes, Bankmark will present the capitalization plan during the Director and Senior Management Training Session. 

13

 

        Monthly
project review and assessment by Bankmark and a representative of the Board of Directors is important to assure the ongoing success of the capitalization program. This forum will
allow Bankmark to review with the Bank's representative's issues or concerns regarding the performance of key individuals and the program's effectiveness and efficiency according to the project
timeline. This review process is most critical during the events phase of the program. This forum allows the Organizers the opportunity to critique Bankmark's performance and make recommendations for
change or request additional assistance. During this review session, the Directors and Bankmark can openly review in confidence the efficiency reports provided by Bankmark (see Section C,  Monitoring the Events
Performance). This review process assures the Bank the opportunity for direct input and hands-on participation in the
effective completion of the capitalization program. Conversely, Bankmark can, at these meetings, also present requests for any additional resource allocation the project may require. 

B. AVAILABLE PUBLIC RELATIONS OPPORTUNITIES

	•
	Newspapers,

	•
	Local
Financial TV news,

	•
	Professional
and public service organizations to which Directors belong,

	•
	Scheduled
events,

	•
	Materials
published by the Bank,

	•
	Any
other communications vehicle, which is in regulatory compliance during the capitalization phase. 

        Public
relations are critical to the success of any capital acquisition campaign. Using the local media to increase public awareness of the Bank's future plans, its Management, the
business and economic outlook, and other information will position the Bank and enhance its community image. Bankmark's public relations activities will not unreasonably be restricted by Bank
Management or the Board of Directors in any manner. 

        No
single media vehicle is completely effective in telling the Bank's story. An integrated and balanced approach must be used. A considerable increase in the level of public awareness
needs to occur within both the public and professional spheres of influence of the Bank. This must all be in place before the events process begins. 

        Bankmark
designs, manages, and facilitates this integration process subject to the approval of the Bank (the direct costs of any artwork or printing are separate items). A review of the
public relations materials enclosed in Bankmark's initial capabilities presentation will illustrate to Management how scheduled events, coupled with the public relations function, enhance the public's
awareness of the investment opportunity. Any public relations material developed by Bankmark on behalf of the Bank is not released until Bank Management has reviewed and approved it. A member of
Senior Management is present at all meetings, which Bankmark may schedule between the Bank and area newspapers, publications and other media. The Bank and Bankmark agree to work jointly on all public
relations efforts. 

14

 

C-1. EVENTS MANAGEMENT AND SPEAKER COORDINATION

        Bankmark's
proven formula for success enables the Director Group to present the investment opportunity to qualified individuals through a series of hosted events. Each event features a
financial expert who addresses the investment opportunity in several ways. In the case of the Bank, there must be a concerted effort to reach the required capital level in the shortest period of time
possible. Bankmark is responsible for scheduling and managing the financial industry experts and providing the PM. 

        Events Process Management.    Bankmark's proven strategy for capital acquisition includes the manner by
which each prospective investor is invited to, and processed during, the events phase of the campaign. Invitation processing, facilities management, greeting guests, presenting the investment
opportunity, and coordination of guest speakers are managed solely by Bankmark. This process is explained thoroughly during the Director and staff training modules. All local customs and/or community
traditions are respected and incorporated into the process. However, Bankmark, upon concurrence of the Bank, determines the final components and sequence of events during the stock sale campaign. This
includes the use of outside industry observers/speakers. This component of the Bankmark process cannot be changed without full agreement, in writing, by Bankmark (The organizers and directors are
restricted as to what they can and cannot say during the offering period). 

        To
provide assurance that the project proceeds in a timely manner and the client has a record of important elements affecting the project, a weekly status report log is maintained by
Bankmark. Copies of the log are presented weekly by the PM to the Bank's designated Client Resource Manager. This report gives a detailed breakdown of all part-time employees, their hours
and costs, any increases or changes made in the database and personnel scheduling during the events phase. This enables the Client Resource Manager to approve the previous week's staff allocations,
schedule their personnel for the coming week and make any necessary adjustments. 

        Monitoring the Events Performance.    Upon completion of each week's events, a thank-you
letter is sent to each attendee. Accompanying the letter is an attendee questionnaire. This allows Bankmark to measure all aspects of the events process, especially the follow-up phone
calls. Each week during the events process, Bankmark provides Management with an event-by-event synopsis table. This table tracks elements such as the ratios of RSVP's to Shows
and Mailed to Shows, etc. These timely monitoring tools keep Management and Bankmark apprised of all aspects of the events process. 

C-2. PUBLIC AND PROMOTIONAL EVENTS

        In
addition to the standard investment opportunity meetings, breakfast, lunch and evening refreshments, and hors d'oeuvres, the project may require the development of public and
promotional events. These public and promotional events are usually hosted by the Bank to attract specific target market segments, for example: 

	A.
	Physicians—How
to make money in a managed care environment

	B.
	Small
Business Professionals—Getting your Banker to say "Yes"

	C.
	Or
events targeted to women, minorities, special interest groups, or any market segment necessary to attract investors

	D.
	Wealth
Building and/or Financial Planning

	E.
	The
State of the Economy and Your Business 

15

 

        It
is not possible to determine now at the inception of this working Agreement what type of public and promotional event(s) may be necessary or how many public and promotional events
will be needed. If these types of events are determined to be necessary during the development of the Capital Acquisition Program strategy or later, during its implementation, Bankmark will meet with
Bank Management to discuss the recommendations and develop a budget accordingly. The public and promotional events have been essential during Bankmark's last four projects to raise significant
awareness regarding the: 

	a)
	offering
circular

	b)
	help
close the offering circular by creating a sense of urgency

	c)
	creating
greater visibility with businesses and professionals 

C-3. GUEST SPEAKER/INDUSTRY EXPERT

        This
working Agreement provides for the requirement of industry experts to be present during the Bank's hosted or sponsored investment opportunity meetings. In planning for the estimated
105 meetings, Bankmark (Hudson, Steiner, Ceklovsky) may function as the industry experts. The speaker honorarium fee is $450 per investment meeting with a minimum of two meetings on a scheduled event
day. To provide the Bank with the best possible coverage for presentation, Bankmark will, in addition to the scheduled investment opportunity meetings, allow the Bank to schedule and facilitate
Speaker Days. Within the two event-minimum day, the Bank may also schedule a round table discussion with six to nine guests or one-on-one meetings with Founders or
significant investors. Within a Speaker Day, a schedule could be two standard investment meetings, lunch-evening, to include a breakfast round table with two one-on-one
meetings, or a total of five (5) meetings during the day. 

D. DIRECTOR, MANAGEMENT AND STAFF TRAINING

        Bankmark
conducts a series of Director interactive workshops for Organizers and Senior Management, and two Management Workshops (see Exhibit). The objective of this workshop is to assure
that each participant involved in the Capital Acquisition Campaign has current information on the industry in general and the performance of independent banks in particular. This data is consistent
with the information presented at the investment meetings. Workshops are conducted at a mutually acceptable time prior to the offering effective date. These workshops take place during work hours,
evenings and at least one weekend. It is imperative that those involved in the selling process be required to attend all training and sales meetings.
If, after the completion of these workshops, one or two individuals require additional training, Bankmark provides for that. Notice for the workshop series is given three weeks in advance of the date
scheduled. Any make-up session is conducted by Bob Steiner for a fee of $2,000 and paid at the release of funds from the impound account. 

        Sales
meetings are very important in order to evaluate each team member's progress, to discuss common issues or concerns, and to allow Bankmark to monitor the group's weekly
follow-up. These meetings are mandatory and the Bank supports this schedule and allows sales team members to attend (see attached). Exhibit #1 

E. DATABASE MANAGEMENT AND COMPUTER EQUIPMENT

        Each
Director provides the names of key contacts for potential shareholders. A rule of thumb is that for every million dollars of capital needed, the Bank needs 1500 qualified names,
which later become the Bank's base for business development activity. Bankmark works with each Organizer and member of Bank Management to develop a database sufficient to meet the capital
requirements. The Bank must provide sufficient physical space to accommodate the tactical support staff, computers and phones as well as necessary parking in a safe area for all staff. 

16

 

        Database Ownership:    Bankmark develops and manages the database with text files in Microsoft Access
2000. Upon completion of the capitalization project, the Bank may purchase MS Access (from any supplier) and Bankmark will transfer the data files to the Bank's computer upon final receipt of all
monies owed on the contract, addendum, or extensions. If Bankmark changes the database applications software during the capital campaign, the Bank may be required to buy, from a computer supplier of
their choice, a single-user version of the new software. Upon receipt of final payment for the contract, Bankmark will install its customized applications on the Bank's system only in the
event that the Bank has provided the required software to complete the conversion. During the duration of the project, Bankmark will instruct one individual from the Bank on how to access and retrieve
data from the Bank's files. This individual will be provided the security access code for the Bank's files. No other Bank individual will have direct access to the files during the stock sale
campaign. This will insure that there will be little chance of contaminating or damaging the files. The Bank will be provided a "How-To Guide" in the capabilities of their new database at
the end of the project. 

        The
parties have executed this Addendum to be effective as of February 27, 2003 (the "Start Date"). 

	Financial Marketing Services/Bankmark	 	First Metroplex Capital, Inc.
	

 	
 	

 
	

/s/  DAN HUDSON      
 Dan Hudson, President & CEO	
 	

/s/  PATRICK ADAMS      
 Patrick Adams

17

 
 
 

Exhibit #1
  The Director's Pack
  A series of interactive workshops
  Facilitated by Bankmark

Bankmark
is committed to preparing its clients to best formulate and implement the strategies and actions which will ensure that the resources of the organizers of de novo banks are expended in the
most efficient and cost effective fashion. To that end, as part of Bankmark's Capital Acquisition Program, we have developed a series of workshops which prepares the proposed
Organizer/Director/Management to deal effectively with not only the placement of stock but the critical issues and skills required to carry out their duties and responsibilities as representatives of
their shareholders and depositors. 

The
series is designed to, raise the participant's awareness and guide, educate and expose them to the critical skills and competencies necessary to not only successfully place the stock but to make
sound decisions and lead the bank to profitability after it opens. Below is a brief description of each workshop. 

    •    Director Orientation: (Workshop #267-DO) this series of five workshops are designed to prepare the
Organizers and officers on how to most effectively participate in the Capital Acquisition campaign. During these sessions, we set the tone of the campaign and define the stock placement methodology.
The program is designed to enable the participant to become comfortable with the tools available to them and to anticipate the prospective shareholders questions and move comfortably to close the
sale. The content is designed so that the "non-salesperson" will quickly reach a level of comfort when discussing the bank's investment opportunity. The length of each session is
approximately 4-6 hours and scheduled at the convenience of the client. 

Session #1—The Basics  

	•
	Sponsors,
criteria, profile and locations for an investment meeting

	•
	The
anatomy of a typical investment meeting

	•
	An
overview of the banking industry in the State

	•
	Current
trends in community banking

	•
	Selected
operating data of solid performing community banks 

Session #2—The Nitty-Gritty  

	•
	Developing
a common language

	•
	Reaching
consensus on the approach to industry and local issues

	•
	Commonly
asked questions (and the effective responses)

	•
	Overcoming
objections to the sale 

Session #3—Closing Techniques (2-3 weeks into the campaign) 

	•
	Progress
review and table exercises designed to share experiences and help each organizer to better present and interact with prospective shareholders and close the sale 

Session #4—Make up Session  

	•
	For
those who may have missed a previous workshop or for those who what a "refresher". 

18

 

Session #5—The Partner Session  

	•
	A
special session for the organizer's "partner", (husband, wife, or significant other). The organizer's "partner" may well be involved in hosting an investment meeting,
developing lists of potential attendees, etc. For those who may not be directly involved, at the very least they will be effected somewhat by the Organizer's time commitment during the stock sale.
Therefore, it helps them to have some understanding of the commitment, process and implications pf the capital campaign (attendance is optional and usually centered around a lunch). It is
approximately 2 hours in length. 

    •    Director 101: (Workshop #303) designed for the proposed director who has not previously been involved in
guiding the destiny of a financial institution. This is an overview utilizing workbooks, supporting documents and regulatory guidelines, which enables the director to prepare for the duties and
responsibilities they have accepted. The length of the session is approximately 4-6 hours. 

        The
critical issues covered: 

	•
	Understanding
the operating environment

	•
	Working
with the regulators

	•
	Working
with and retaining quality management

	•
	Monitoring
operations

	•
	Operational
"Red Flags"

	•
	Committee
assignments

	•
	Understanding
the regulatory "Alphabet"

	•
	Serving
the community needs (CRA)

	•
	Continuing
director education 

    •    Care and Feeding of Your Directors: (Workshop #313) designed for the officers and senior staff to help them
deal effectively with the organizing group both during the organizational phase as well as after the bank opens. For those who have been previously involved with a community bank board, this serves as
a review. For those who have not, it is basic training for better understanding the motivations and mind-set of the type of individuals who are typically the driving force behind a new
bank. This is an exercise in developing the most effective way to deal with your directors on a day to day basis. Length of this session is approximately 3-4 hours. 

        The
core topics: 

	•
	Whose
bank is this anyway?

	•
	Two
different worlds

	•
	Is
there really a common vision?

	•
	What
do they bring to the table?

	•
	What
do I bring to the table?

	•
	Is
director education good or evil?

	•
	The
whole should be greater than the sum of the parts 

19

 

    •    The Service Imperative: (Workshop #156-SI) designed to focus the group's attention on the  specific reality of delivering quality service. So much is said about
the promise of quality service, yet service does not develop in a vacuum. Through
a series of group exercises, the organizers and officers look beyond mere words and labels to reach consensus regarding the specific standards and
guidelines necessary to actually deliver on the service promise. The length of this session is approximately 5-6 hours. 

        Major
topics: 

	•
	What
does the customer what?

	•
	What
does the customer need?

	•
	What
are the barriers that must be overcome?

	•
	What
are the solutions that must be implemented?

	•
	Reaching
consensus

	•
	Gathering
and applying demographic and psychographic data

	•
	Developing
the marching orders 

    •    Strategic Focus: (Workshop #145-SF) [Optional] designed as the  precursor to the development of a comprehensive strategic operating plan. This workshop takes the
group through an overview of the critical components
of a strategic plan. The group's regulatory application is used as a basis for formulating the level of strategic thinking necessary to move the organization from the speculative/formative stage to
the implementation/realization stage. This is a focus on the "how", rather than the "what" of an effective set of marching orders. In addition, through a series of table exercises and group
discussions, the group reaches consensus on the importance of the critical issues that will successfully drive the bank. The length of this session is approximately 6 hours. 

        Central
Issues: 

	•
	The
group's core values

	•
	The
group's vision

	•
	The
Mission statement

	•
	How
to define goals and objectives

	•
	The
Board's expectations

	•
	Management's
expectations 

—End—

20

QuickLinks

Exhibit 10.1

CONSULTING AGREEMENT

ADDITIONAL TERMS OF THE CONSULTING AGREEMENT

ADDENDUM

Exhibit #1 The Director's Pack A series of interactive workshops Facilitated by Bankmark

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