Document:

Exhibit 10.14

     

    
      

      

    

     

    Exhibit
      10.14

     

     

     

    

      SHAREHOLDERS’
        AGREEMENT

      

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

       

      Recitals

       

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

       

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

       

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

       

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

       

      1. Election
        of Directors.

       

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

       

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

       

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

       

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

       

      
        
           

          
          

        

        
          1

          
            

          

        

        
          
          

        

      

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

       

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

       

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

       

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

       

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

       

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

       

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

       

      
        
          
          

        

        
          2

          
            

          

        

        
          
          

        

      

      calculation
        only those shares of capital stock having a right to vote with respect to
        the
        election of directors.

       

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

       

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

       

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

       

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

       

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

       

      
         

        
          
            	 	
                    If
                      to the Company:

                  
	 	
                    Across
                      America Real Estate Corp.

                  
	 	
                    1660
                      Seventeenth Street, Suite 450

                  
	 	
                    Denver,
                      Colorado 80202

                  
	 	
                    Attention:
                      Chief Executive Officer

                  
	 	
                    Telephone:
                      (303) 893-1003

                  
	 	
                    Facsimile:
                      (303) 893-1005

                  

          

           

           

          
            
              
              

            

            
              3

              
                

              

            

            
              
              

            

          

           

           

          
            	 	
                    With
                      a copy to:

                  
	 	 
	 	
                    David
                      Wagner & Associates, P.C.

                  
	 	
                    8400
                      East Prentice Ave. 

                  
	 	
                    Penthouse
                      Suite

                  
	 	
                    Greenwood
                      Village, Colorado 80111

                  
	 	
                    Attention:
                      David J. Wagner, Esq.

                  
	 	
                    Telephone:
                      (303) 793-0304 

                  
	 	
                    Facsimile:
                      (303) 409-7650

                  

          

        

      

       

       

      
         

        
          
            	 	
                    The
                      Series A Holders: 

                     

                  
	 	
                    BOCO
                      Investments, LLC

                  
	 	
                    103
                      West Mountain Ave. 

                  
	 	
                    Fort
                      Collins, Colorado 80524

                  
	 	
                    Facsimile:
                      (970) 482-6139

                  
	 	
                    Attention:
                      Chief Executive Officer

                  
	 	 

          

           

          
            	 	 With
                    a copy to:
                     

                  
	 	
                    Davis
                      Graham & Stubbs LLP

                  
	 	
                    1550
                      17th
                      Street, Suite 500

                  
	 	
                    Denver,
                      Colorado 80202

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

                  
	 	
                    Telephone:
                      (303) 892-9400

                  
	 	
                    Facsimile:
                      (303) 892-7400

                  

          

          

          
            	 	
                    GDBA
                      Investments, LLLP

                  
	 	
                    1440
                      Blake Street, Suite 310

                  
	 	
                    Denver,
                      CO 80202

                  
	 	
                    Facsimile:
                      (720) 932-9397

                  
	 	
                    Attention:
                      Chief Executive Officer

                  

          

           

          
            	 	 With
                    a copy to
                     

                  
	 	
                    Davis
                      & Ceriani P.C.

                  
	 	
                    Suite
                      400, Market Center

                  
	 	
                    1350
                      Seventeenth Street

                  
	 	
                    Denver,
                      CO 80202

                  
	 	
                    Facsimile:
                      (303) 534-4618

                  
	 	
                    Attention:
                      Patrick J. Kanouff

                  

          

        

      

      

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

       

      
        
           

          
          

        

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

       

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

       

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

       

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

       

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

       

      

       

      [Signature
        page follows]

       

      

       

      
        
          
            

          

          
          

        

        
          5

          
            

          

        

        
          
          

          
          

        

      

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

       

      

       

      

      ACROSS
        AMERICA REAL ESTATE CORP.

      

      

      

      /s/
        Ann L. Schmitt

      Name:
        Ann
        L. Schmitt

      Title:
        Chief Executive Officer

      

      

      INVESTORS:

      

      BOCO
        INVESTMENTS, LLC

      

      /s/
        Joseph C. Zimlich
Name:
        Joseph C. Zimlich

      Title:
        CEO

      

      

      GDBA
        INVESTMENTS, LLLP

      

      

      /s/
        G.
        Brent Backman

      Name:
        G.
        Brent Backman

      Title:
        Manager

       

      6Exhibit 10.15

     

    
      

      

    

     

    Exhibit
      10.15

    REGISTRATION
      RIGHTS AGREEMENT

    

    This
      Registration Rights Agreement (the “Agreement”),
      is
      entered into as of the 28th day of September, 2006, by and among Across America
      Real Estate Corp., a Colorado corporation (the “Company”)
      and
      BOCO Investments, LLC, a Colorado limited liability company and GDBA
      Investments, LLLP, a Colorado limited liability limited partnership and Joseph
      C. Zimlich (each, a “Series
      A Holder”
and,
      together, the “Series
      A Holders”).
      

    

    Recitals

    

    WHEREAS,
      the Company the Series A Holders are parties to that certain Securities Purchase
      Agreement dated September 28, 2006 (the “Purchase
      Agreement”);
      and

    

    WHEREAS,
      as a condition of closing the transactions contemplated by the Purchase
      Agreement, the Company has agreed to provide the Series A Holders with
      registration rights as set forth below.

    

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

    

    1. Certain
      Definitions.

    

    As
      used
      in this Agreement, the following terms shall have the following respective
      meanings:

    

    (a) “Business
      Day”
means
      any day other than a Saturday, Sunday or a day on which banking institutions
      are
      closed in the State of Colorado.

    

    (b) “Commission”
means
      the Securities and Exchange Commission, or any other federal agency at the
      time
      administering the Securities Act.

    

    (c) “Common
      Stock”
means
      the common stock, $0.001 par value per share, of the Company.

    

    (d) “Exchange
      Act”
means
      the Securities Exchange Act of 1934, as amended, or any successor federal
      statute, and the rules and regulations of the Commission issued under such
      Act,
      as they each may, from time to time, be in effect.

    

    (e) “Initiating
      Holders”
means
      the Shareholders initiating a request for registration pursuant to Section
      2.1(a), 2.1(b) or 2.1(c), as the case may be.

    

    (g) “Other
      Holders”
shall
      mean holders of securities of the Company (other than the Shareholders) who
      are
      entitled, by contract with the Company, to have securities included in a
      Registration Statement.

    
      
         

        
        

      

      
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          1
          -

        
          

        

      

      
        
        

      

    

    

    (h) “Prospectus”
means
      the prospectus included in any Registration Statement, as amended or
      supplemented by an amendment or prospectus supplement, including post-effective
      amendments, and all material incorporated by reference or deemed to be
      incorporated by reference in such Prospectus.

    

    (i) “Registration
      Expenses”
means
      the expenses described in Section 2.4.

    

    (j) “Registrable
      Shares”
means
      the shares of Common Stock issued or issuable upon conversion of the Shares
      and
      any other shares of Common Stock issued in respect of such shares because of
      stock splits, stock dividends, reclassifications, recapitalizations, or similar
      events; provided,
      however,
      that
      shares of Common Stock which are Registrable Shares shall cease to be
      Registrable Shares upon any sale pursuant to a Registration Statement or Rule
      144 under the Securities Act. Wherever reference is made in this Agreement
      to a
      request or consent of holders of a certain percentage of Registrable Shares,
      the
      determination of such percentage shall include shares of Common Stock issuable
      upon conversion of the Shares even if such conversion has not been
      effected.

    

    (k) “Registration
      Statement”
means
      a
      registration statement filed under the Securities Act, other than a registration
      statement on Form S-8 or Form S-4 (or any successor form).

    

    (l) “Securities
      Act”
means
      the Securities Act of 1933, as amended, or any successor federal statute, and
      the rules and regulations of the Commission issued under such Act, as they
      each
      may, from time to time, be in effect.

    

    (m) “Selling
      Shareholder”
means
      any Shareholder owning Registrable Shares included in a Registration
      Statement.

    

    (n) “Shares”
means
      all shares of Series A Preferred Stock.

    

    (o) “Shareholders”
means
      the Series A Holders, any Other Holders and any persons or entities to whom
      the
      rights granted under this Agreement are transferred or acquired by any Series
      A
      Holders or Other Holders, their successors or assigns pursuant to Section 3
      hereof.

    

    (p) “’33
      Act Offering”
means
      an underwritten public offering of shares of Common Stock pursuant to an
      effective Registration Statement.

    
      
         

        
        

      

      
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    2. Registration
      Rights.

    

    2.1 Demand
      Registrations.
      

    

    (a) At
      any
      time beginning six months after the closing of a ‘33 Act Offering, the
      Series A Holders holding in the aggregate at least fifty percent (50%) of
      the Registrable Shares may request, in writing, that the Company effect the
      registration on Form S-1 (or any successor form), under the Securities Act
      of
      the Registrable Shares owned by such Series A Holder.

    

    (b) At
      any
      time upon receipt of a Mandatory Conversion Notice for the Shares (as defined
      in
      the Company’s Articles of Incorporation, as amended), the Series A Holder
      receiving such notice may request, in writing, that the Company effect the
      registration on Form S-1 (or any successor form), under the Securities Act
      of
      the Registrable Shares owned by such Series A Holder. 

    

    (c) At
      any
      time after the Company becomes eligible to file a Registration Statement on
      Form
      S-3 (or any successor form relating to secondary offerings), the Series A
      Holders holding in the aggregate at least fifty percent (50%) of the Registrable
      Shares may request, in writing, that the Company effect the registration on
      Form
      S-3 (or such successor form), of such Series A Holder’s Registrable
      Shares.

    

    (d) Upon
      receipt of any request for registration under the Securities Act pursuant to
      this Section 2, the Company shall promptly give written notice of such proposed
      registration to all other Shareholders. Such Shareholders shall have the right,
      by giving written notice to the Company within thirty (30) days after the
      Company provides its notice, to elect to have included in such registration
      such
      of their Registrable Shares as such Shareholders may request in such notice
      of
      election, subject in the case of an underwritten offering to the approval of
      the
      managing underwriter as provided in Section 2.1(e) below. Thereupon, the Company
      shall, as expeditiously as possible, use its best efforts to effect the
      registration on an appropriate registration form of all Registrable Shares
      which
      the Company has been requested to so register, provided,
      however,
      that in
      the case of a registration requested under Section 2.1(c), the Company will
      only
      be obligated to effect such registration on Form S-3 (or any successor
      form).

    

    (e) If
      the
      Initiating Holders intend to distribute the Registrable Shares covered by their
      request by means of an underwriting, they shall so advise the Company as a
      part
      of their request made pursuant to Section 2.1(a), (b) or (c), as the case may
      be, and the Company shall include such information in its written notice
      referred to in Section 2.1(d). The right of any other Shareholder to include
      its
      Registrable Shares in such registration pursuant to Section 2.1(a), (b) or
      (c),
      as the case may be, shall be conditioned upon such other Shareholder’s
      participation in such underwriting on the terms set forth herein. If the
      managing underwriter determines that the marketing factors require a limitation
      of the number of shares to be underwritten, the number of Registrable Shares
      to
      be included in a Registration Statement filed pursuant to this Section 2.1,
      shall be reduced pro rata among the requesting Shareholders based on the
      quotient of (1) the total Registrable Shares to be included in the Registration
      Statement, divided by (2) the total number of Registrable Shares that requested
      registration; provided,
      however,
      that in
      no event shall the

    
      
        
        

      

      
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          3
          -

        
          

        

      

      
        
        

      

    

    Shares
      to
      be sold by the Series A Holders be reduced to below twenty-five percent (25%)
      of
      the total amount of securities to be included in the registration.

    

    (f) The
      Initiating Holders shall have the right to select the managing underwriter(s)
      for any underwritten offering requested pursuant to this Section 2.1, subject
      to
      the approval of the Company, which approval will not be unreasonably
      withheld.

    

    (g) The
      Company shall not be required to effect more than two (2) registrations pursuant
      to Section 2.1(a); provided,
      however,
      that
      the Company shall not be required to effect the second of such two (2)
      registrations in the event that (i) the Company is eligible to file a
      Registration Statement on Form S-3 (or any successor form), and (ii) the
      Shareholders have had the opportunity to register all of their Registrable
      Shares under the Securities Act pursuant to Section 2.2 hereof. In addition,
      the
      Company shall not be required to effect any registration (other than on Form
      S-3
      or any successor form relating to secondary offerings) (i) within ninety (90)
      days after the effective date of any other Registration Statement of the Company
      on Form S-1 (or any successor form) or (ii) during the one hundred and eighty
      (180) day period commencing with the date of the Company’s initial ‘33 Act
      Offering. For purposes of this Section 2.1(g), a Registration Statement shall
      not be counted until such time as such Registration Statement has been declared
      effective by the Commission and the related sale is consummated (in the case
      of
      an underwritten offering). There shall be no limitations as to the number of
      registrations the Series A Holders may request under Section 2.1(b) or
      (c).

    

    (h) If
      at the
      time of any request to register Registrable Shares by Initiating Holders
      pursuant to this Section 2.1, the Company is engaged or has plans to engage
      in a
      registered public offering or is engaged in any other activity which, in the
      good faith determination of the Company’s Board of Directors, would be adversely
      affected by the requested registration, then the Company may at its option
      direct that such request be delayed for a period not in excess of ninety (90)
      days from the date of such request, such right to delay a request to be
      exercised by the Company not more than once in any 12-month period.

    

    2.2 Piggyback
      Registration.

    

    (a) Whenever
      the Company proposes to file a Registration Statement (other than a Registration
      Statement filed pursuant to Section 2.1) at any time and from time to time,
      it
      will, prior to such filing, give written notice to all Shareholders of its
      intention to do so. Upon the written request of a Shareholder or Shareholders,
      given within twenty (20) days after the Company provides such notice (which
      request shall state the intended method of disposition of such Registrable
      Shares), the Company shall use its best efforts to cause all Registrable Shares
      which the Company has been requested by such Shareholder or Shareholder to
      register to be registered under the Securities Act to the extent necessary
      to
      permit their sale or other disposition in accordance with the intended methods
      of distribution specified in the request of such Shareholder or Shareholders;
      provided,
      however,
      that
      the Company shall have the right to postpone or withdraw any registration
      effected pursuant to this Section 2.2 without obligation to any
      Shareholder.

    
      
         

        
        

      

      
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          4
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      (b) If
      the
      registration for which the Company gives notice pursuant to Section 2.2(a)
      is a
      registered public offering involving an underwriting, the Company shall so
      advise the Shareholders as a part of the written notice given pursuant to
      Section 2.2(a). In such event, the right of any Shareholder to include its
      Registrable Shares in such registration pursuant to Section 2.2 shall be
      conditioned upon such Shareholder’s participation in such underwriting on the
      terms set forth herein. All Shareholders proposing to distribute their
      securities through such underwriting shall (together with the Company, Other
      Holders, and any officers or directors distributing their securities through
      such underwriting) enter into an underwriting agreement in customary form with
      the underwriter or underwriters selected for the underwriting by the Company;
      provided,
      however,
      that
      such underwriting agreement shall not provide for indemnification or
      contribution obligations on the part of Shareholders materially greater than
      the
      obligations of the Shareholders pursuant to Section 2.5. Notwithstanding any
      other provision of this Section 2.2, if the managing underwriter determines
      that
      the inclusion of all shares requested to be registered would adversely affect
      the offering, the Company may limit the number of Registrable Shares to be
      included in the registration and underwriting. The Company shall so advise
      all
      holders of Registrable Shares requesting registration, and the number of shares
      that are entitled to be included in the registration and underwriting shall
      be
      allocated in the following manner. The securities of the Company held by the
      officers and directors of the Company shall be excluded from such registration
      and underwriting to the extent deemed advisable by the managing underwriter
      and
      then, and, if a further limitation on the number of shares is required, the
      number of shares that may be included in such registration and underwriting
      shall be allocated among all Shareholders and Other Holders requesting
      registration in proportion, as nearly as practicable (and subject to a Series
      A
      Holder’s rights under Section 2.1(d)), to the respective number of shares of
      Common Stock (on an as-converted basis) which they held at the time the Company
      gives the notice specified in Section 2.2(a); provided,
      however,
      that
      the number of Registrable Shares permitted to be included therein shall in
      any
      event be at least 50% of the securities included therein (based on aggregate
      market values). If any Shareholder or Other Holder would thus be entitled to
      include more securities than such holder requested to be registered, the excess
      shall be allocated among other requesting Shareholders and Other Holders pro
      rata in the manner described in the preceding sentence. If any holder of
      Registrable Shares or any Other Holder disapproves of the terms of any such
      underwriting, such person may elect to withdraw therefrom by written notice
      to
      the Company, and any Registrable Shares or other securities excluded or
      withdrawn from such underwriting shall be withdrawn from such
      registration.

    

    2.3 Registration
      Procedures.

    

    (a) If
      and
      whenever the Company is required by the provisions of this Agreement to use
      its
      best efforts to effect the registration of any Registrable Shares under the
      Securities Act, the Company shall:

    

    (i) file
      with
      the Commission a Registration Statement with respect to such Registrable Shares
      and use its best efforts to cause that Registration Statement to become
      effective as soon as possible;

    
      
        
        

      

      
        -
          5
          -

        
          

        

      

      
        
        

      

    

    (ii) as
      expeditiously as possible prepare and file with the Commission any amendments
      and supplements to the Registration Statement and the prospectus included in
      the
      Registration Statement as may be necessary to comply with the provisions of
      the
      Securities Act (including the anti-fraud provisions thereof) and to keep the
      Registration Statement effective for 12 months from the effective date or such
      lesser period until all such Registrable Shares are sold;

    

    (iii) as
      expeditiously as possible furnish to each Selling Shareholder such reasonable
      numbers of copies of the Prospectus, including any preliminary Prospectus,
      in
      conformity with the requirements of the Securities Act, and such other documents
      as such Selling Shareholder may reasonably request in order to facilitate the
      public sale or other disposition of the Registrable Shares owned by such Selling
      Shareholder,

    

    (iv)
       as
      expeditiously as possible use its best efforts to register or qualify the
      Registrable Shares covered by the Registration Statement under the securities
      or
“blue sky” laws of such states as the Selling Shareholders shall reasonably
      request, and do any and all other acts and things that may be necessary or
      desirable to enable the Selling Shareholders to consummate the public sale
      or
      other disposition in such states of the Registrable Shares owned by the Selling
      Shareholder; provided,
      however,
      that
      the Company shall not be required in connection with this paragraph (iv) to
      qualify as a foreign corporation or execute a general consent to service of
      process in any jurisdiction;

    

    (v) as
      expeditiously as possible, cause all such Registrable Shares to be listed on
      each securities exchange or automated quotation system on which similar
      securities issued by the Company are then listed;

    

    (vi) promptly
      provide a transfer agent and registrar for all such Registrable Shares not
      later
      than the effective date of such registration statement;

    

    (vii) promptly
      make available for inspection by the Selling Shareholders, any managing
      underwriter participating in any disposition pursuant to such Registration
      Statement, and any attorney or accountant or other agent retained by any such
      underwriter or selected by the Selling Shareholders, all financial and other
      records, pertinent corporate documents and properties of the Company and cause
      the Company’s officers, directors, employees and independent accountants to
      supply all information reasonably requested by any such seller, underwriter,
      attorney, accountant or agent in connection with such Registration
      Statement;

    

    (viii) as
      expeditiously as possible, notify each Selling Shareholder, promptly after
      it
      shall receive notice thereof, of the time when such Registration Statement
      has
      become effective or a supplement to any Prospectus forming a part of such
      Registration Statement has been filed; and

    

    (ix) as
      expeditiously as possible following the effectiveness of such Registration
      Statement, notify each seller of such Registrable Shares of any request by
      the
      Commission for the amending or supplementing of such Registration Statement
      or
      Prospectus.

    
      
         

        
        

      

      
        -
          6
          -

        
          

        

      

      
        
        

      

    

         
      (b) If
      the
      Company has delivered a Prospectus to the Selling Shareholders and after having
      done so the Prospectus is amended to comply with the requirements of the
      Securities Act, the Company shall promptly notify the Selling Shareholders
      and,
      if requested, the Selling Shareholders shall immediately cease making offers
      of
      Registrable Shares and return all Prospectuses to the Company. The Company
      shall
      promptly provide the Selling Shareholders with revised Prospectuses and,
      following receipt of the revised Prospectuses, the Selling Shareholders shall
      be
      free to resume making offers of the Registrable Shares.

    

    (c) In
      the
      event that, in the judgment of the Company, it is advisable to suspend use
      of a
      Prospectus included in a Registration Statement due to pending material
      developments or other events that have not yet been publicly disclosed and
      as to
      which the Company believes public disclosure would be detrimental to the
      Company, the Company shall notify all Selling Shareholders to such effect,
      and,
      upon receipt of such notice, each such Selling Shareholder shall immediately
      discontinue any sales of Registrable Shares pursuant to such Registration
      Statement until such Selling Shareholder has received copies of a supplemented
      or amended Prospectus or until such Selling Shareholder is advised in writing
      by
      the Company that the then current Prospectus may be used and has received copies
      of any additional or supplemental filings that are incorporated or deemed
      incorporated by reference in such Prospectus. Notwithstanding anything to the
      contrary herein, the Company shall not exercise its rights under this Section
      2.3(c) to suspend sales of Registrable Shares for a period in excess of ninety
      (90) days in any 12-month period.

    

    2.4 Allocation
      of Expenses.
      The
      Company will pay all Registration Expenses for all registrations under this
      Agreement; provided,
      however,
      that if
      a registration under Section 2.1 is withdrawn at the request of the Initiating
      Holders (other than as a result of information concerning the business or
      financial condition of the Company which is made known to the requesting
      Shareholders after the date on which such registration was requested) and if
      the
      Initiating Holders elect not to have such registration counted as a registration
      requested under Section 2.1, the requesting Shareholders shall pay the
      Registration Expenses of such registration pro rata in accordance with the
      number of their Registrable Shares included in such registration. For purposes
      of this Section, the term “Registration
      Expenses”
shall
      mean all expenses incurred by the Company in complying with this Agreement,
      including, without limitation, all registration and filing fees, exchange
      listing fees, printing expenses, fees and expenses of counsel for the Company
      and the fees and expenses of one counsel selected by the Selling Shareholders
      to
      represent the Selling Shareholders, state “blue sky” fees and expenses, and the
      expense of any special audits incident to or required by any such registration,
      but excluding underwriting discounts, selling commissions and the fees and
      expenses of Selling Shareholders’ own counsel (other than the counsel selected
      to represent all Selling Shareholders).

    

    2.5 Indemnification
      and Contribution.

     

    (a) In
      the
      event of any registration of any of the Registrable Shares under the Securities
      Act pursuant to this Agreement, the Company will indemnify and hold harmless
      the
      seller of such Registrable Shares, each underwriter of such Registrable Shares,
      and each other person, if any, who controls such seller or underwriter within
      the meaning of the Securities Act

    
      
        --

        
        

      

      
        -
          7
          -

        
          

        

      

      
        
        

      

    

     

    or
      the
      Exchange Act against any losses, claims, damages or liabilities, joint or
      several, to which such seller, underwriter or controlling person may become
      subject under the Securities Act, the Exchange Act, state securities or “blue
      sky” laws or otherwise, insofar as such losses, claims, damages or liabilities
      (or actions in respect thereof) arise out of or are based upon any untrue
      statement or alleged untrue statement of any material fact contained in any
      Registration Statement under which such Registrable Shares were registered
      under
      the Securities Act, any preliminary prospectus or final prospectus contained
      in
      the Registration Statement, or any amendment or supplement to such Registration
      Statement, or arise out of or are based upon the omission or alleged omission
      to
      state a material fact required to be stated therein or necessary to make the
      statements therein not misleading; and the Company will reimburse such seller,
      underwriter and each such controlling person for any legal or any other expenses
      reasonably incurred by such seller, underwriter or controlling person in
      connection with investigating or defending any such loss, claim, damage,
      liability or action; provided,
      however,
      that
      the Company will not be liable in any such case to the extent that any such
      loss, claim, damage or liability arises out of or is based upon any untrue
      statement or omission made in such Registration Statement, preliminary
      prospectus or prospectus, or any such amendment or supplement, in reliance
      upon
      and in conformity with information furnished to the Company in writing by or
      on
      behalf of such seller, underwriter or controlling person specifically for use
      in
      the preparation thereof.

    

    (b) In
      the
      event of any registration of any of the Registrable Shares under the Securities
      Act pursuant to this Agreement, each seller of Registrable Shares, severally
      and
      not jointly, will indemnify and hold harmless the Company, each of its directors
      and officers and each underwriter (if any) and each person, if any, who controls
      the Company or any such underwriter within the meaning of the Securities Act
      or
      the Exchange Act, against any losses, claims, damages or liabilities, joint
      or
      several, to which the Company, such directors and officers, underwriter or
      controlling person may become subject under the Securities Act, Exchange Act,
      state securities or “blue sky” laws or otherwise, insofar as such losses,
      claims, damages or liabilities (or actions in respect thereof) arise out of
      or
      are based upon any untrue statement or alleged untrue statement of a material
      fact contained in any Registration Statement under which such Registrable Shares
      were registered under the Securities Act, any preliminary prospectus or final
      prospectus contained in the Registration Statement, or any amendment or
      supplement to the Registration Statement, or arise out of or are based upon
      any
      omission or alleged omission to state a material fact required to be stated
      therein or necessary to make the statements therein not misleading, if the
      statement or omission was made in reliance upon and in conformity with
      information relating to such seller furnished in writing to the Company by
      or on
      behalf of such seller specifically for use in connection with the preparation
      of
      such Registration Statement, prospectus, amendment or supplement; provided,
      however,
      that
      the obligations of a Shareholder hereunder shall be limited to an amount equal
      to the net proceeds to such Shareholder of Registrable Shares sold in connection
      with such registration.

    

    (c) Each
      party entitled to indemnification under this Section (the “Indemnified
      Party”)
      shall
      give written notice to the party required to provide indemnification (the
“Indemnifying
      Party”)
      promptly after such Indemnified Party has actual knowledge of any claim as
      to
      which indemnity may be sought, and shall permit the Indemnifying Party to assume
      the

    
      
        
        

      

      
        -
          8
          -

        
          

        

      

      
        
        

      

    

    defense
      of any such claim or any litigation resulting therefrom; provided
      that
      counsel for the Indemnifying Party, who shall conduct the defense of such claim
      or litigation, shall be approved by the Indemnified Party (whose approval shall
      not be unreasonably withheld); and provided further,
      that
      the failure of any Indemnified Party to give notice as provided herein shall
      not
      relieve the Indemnifying Party of its obligations under this Section except
      to
      the extent that the Indemnifying Party is adversely affected by such failure.
      The Indemnified Party may participate in such defense at such party’s expense;
provided,
      however,
      that
      the Indemnifying Party shall pay such expense if representation of such
      Indemnified Party by the counsel retained by the Indemnifying Party would be
      inappropriate due to actual or potential differing interests between the
      Indemnified Party and any other party represented by such counsel in such
      proceeding; provided further,
      that in
      no event shall the Indemnifying Party be required to pay the expenses of more
      than one law firm per jurisdiction as counsel for the Indemnified Party. The
      Indemnifying Party also shall be responsible for the expenses of such defense
      if
      the Indemnifying Party does not elect to assume such defense. No Indemnifying
      Party, in the defense of any such claim or litigation shall, except with the
      consent of each Indemnified Party, consent to entry of any judgment or enter
      into any settlement which does not include as an unconditional term thereof
      the
      giving by the claimant or plaintiff to such Indemnified Party of a release
      from
      all liability in respect of such claim or litigation, and no Indemnified Party
      shall consent to entry of any judgment or settle such claim or litigation
      without the prior written consent of the Indemnifying Party, which consent
      shall
      not be unreasonably withheld.

    

    (d) In
      order
      to provide for just and equitable contribution in circumstances in which the
      indemnification provided for in this Section 2.5 is due in accordance with
      its
      terms but for any reason is held to be unavailable to an Indemnified Party
      in
      respect to any losses, claims, damages and liabilities referred to herein,
      then
      the Indemnifying Party shall, in lieu of indemnifying such Indemnified Party,
      contribute to the amount paid or payable by such Indemnified Party as a result
      of such losses, claims, damages or liabilities to which such party may be
      subject in such proportion as is appropriate to reflect the relative fault
      of
      the Company on the one hand and the Shareholders on the other in connection
      with
      the statements or omissions which resulted in such losses, claims, damages
      or
      liabilities, as well as any other relevant equitable considerations. The
      relative fault of the Company and the Shareholders shall be determined by
      reference to, among other things, whether the untrue or alleged untrue statement
      of material fact related to information supplied by the Company or the
      Shareholders and the parties’ relative intent, knowledge, access to information
      and opportunity to correct or prevent such statement or omission. The Company
      and the Shareholders agree that it would not be just and equitable if
      contribution pursuant to this Section 2.5 were determined by pro rata allocation
      or by any other method of allocation which does not take account of the
      equitable considerations referred to above. Notwithstanding the provisions
      of
      this paragraph of Section 2.5, (a) in no case shall any one Shareholder be
      liable or responsible for any amount in excess of the net proceeds received
      by
      such Shareholder from the offering of Registrable Shares and (b) the Company
      shall be liable and responsible for any amount in excess of such proceeds;
      provided,
      however,
      that no
      person guilty of fraudulent misrepresentation (within the meaning of Section
      11(f) of the Securities Act) shall be entitled to contribution from any person
      who was not guilty of such fraudulent misrepresentation. Any party entitled
      to
      contribution will, promptly after receipt of notice of commencement of any
      action, suit or proceeding against such party in respect of
      which

    
      
        
        

      

      
        -
          9
          -

        
          

        

      

      
        
        

      

    

    a
      claim
      for contribution may be made against another party or parties under this
      Section, notify such party or parties from whom contribution may be sought,
      but
      the omission so to notify such party or parties from whom contribution may
      be
      sought shall not relieve such party from any other obligation it or they may
      have thereunder or otherwise under this Section. No party shall be liable for
      contribution with respect to any action, suit, proceeding or claim settled
      without its prior written consent, which consent shall not be unreasonably
      withheld.

    

    2.6 Other
      Matters with Respect to Underwritten Offering.
      In the
      event that Registrable Shares are sold pursuant to a Registration Statement
      in
      an underwritten offering pursuant to Section 2.1, the Company agrees to (a)
      enter into an underwriting agreement containing customary representations and
      warranties with respect to the business and operations of the Company and
      customary covenants and agreements to be performed by the Company, including,
      without limitation, customary provisions with respect to indemnification by
      the
      Company of the underwriters of such offering; (b) use its best efforts to cause
      its legal counsel to render customary opinions to the underwriters and the
      Selling Shareholders with respect to the Registration Statement; and (c) use
      its
      best efforts to cause its independent public accounting firm to issue customary
      “comfort letters” to the underwriters and the Selling Shareholders with respect
      to the Registration Statement.

    

    2.7 Information
      by Holder.
      Each
      holder of Registrable Shares included in any registration shall furnish to
      the
      Company such information regarding such holder and the distribution proposed
      by
      such holder as the Company may reasonably request in writing and as shall be
      required in connection with any registration, qualification or compliance
      referred to in this Agreement.

    

    2.8 “Stand-Off”
      Agreement; Confidentiality of Notices.
      Each
      Shareholder, if requested by the Company shall not sell or otherwise transfer
      or
      dispose of any Registrable Shares or other securities of the Company held by
      such Shareholder for a period of one hundred and eighty (180) days following
      the
      effective date of a Registration Statement; provided,
      however,
      that:

    

    (a) such
      agreement shall only apply to the initial ‘33 Act Offering; and

    

    (b) all
      shareholders of the Company then holding at least 1% of the outstanding Common
      Stock (on an as-converted basis) and all employees, officers and directors
      of
      the Company enter into similar agreements.

    

    The
      Company may impose stop-transfer instructions with respect to the Registrable
      Shares or other securities subject to the foregoing restriction until the end
      of
      such one hundred and eighty (180) day period.

    

    Any
      Shareholder receiving any written notice from the Company regarding the
      Company’s plans to file a Registration Statement shall treat such notice
      confidentially and shall not disclose such information to any person other
      than
      as necessary to exercise its rights under this Agreement.

    
      
         

        
        

      

      
        -
          10
          -

        
          

        

      

      
        
        

      

    

    

    2.9 Limitations
      on Subsequent Registration Rights.
      The
      Company shall not, without the prior written consent of Shareholders holding
      at
      least a majority of the Registrable Shares then held by all Shareholders, enter
      into any agreements (other than this Agreement) with any holder or prospective
      holder of any securities of the Company which grant such holder or prospective
      holder rights to include securities of the Company in any Registration
      Statement, unless (a) such rights to include securities in a registration
      initiated by the Company or by Shareholders are not more favorable than the
      rights granted to Other Holders under Section 2.2 of this Agreement, and (b)
      no
      rights are granted to initiate a registration, other than registration pursuant
      to a registration statement on Form S-3 (or its successor) in which Shareholders
      are entitled to include Registrable Shares on a pro rata basis with such holders
      based on the number of shares of Common Stock (on an as-converted basis) owned
      by Shareholders and such holders.

    

    2.10 Rule
      144 Requirements.
      The
      Company agrees to:

    

    (a) make
      and
      keep current public information about the Company available, as those terms
      are
      understood and defined in Rule 144;

    

    (b) use
      its
      best efforts to file with the Commission in a timely manner all reports and
      other documents required of the Company under the Securities Act and the
      Exchange Act (at any time after it has become subject to such reporting
      requirements); and

    

    (c) furnish
      to any holder of Registrable Shares upon request (i) a written statement by
      the
      Company as to its compliance with the reporting requirements of Rule 144 and
      of
      the Securities Act and the Exchange Act (at any time after it has become subject
      to such reporting requirements), (ii) a copy of the most recent annual or
      quarterly report of the Company, and (iii) such other reports and documents
      of
      the Company as such holder may reasonably request to avail itself of any similar
      rule or regulation of the Commission allowing it to sell any such securities
      without registration.

    

    2.11 Termination.
      All of
      the Company’s obligations to register Registrable Shares under Sections 2.1 and
      2.2 of this Agreement shall terminate five (5) years after the closing of the
      initial ‘33 Act Offering.

    

    3. Transfers
      of Rights.
      The
      rights to cause the Company to register Registrable Securities pursuant to
      this
      Section 2 may be assigned by a Series A Holder to a transferee or assignee
      of Registrable Securities; provided,
      however,
      (a) the transferor shall, within fifteen (15) days after such transfer,
      furnish to the Company written notice of the name and address of such transferee
      or assignee and the securities with respect to which such registration rights
      are being assigned, and (b) such transferee shall agree in writing to be
      subject to all rights and restrictions applicable to Series A Holders set forth
      in this Agreement, and such transferee or assignee shall thereby become an
      “Series A Holder.” 

    
      
        
        

      

      
        -
          11
          -

        
          

        

      

      
        
        

      

    

    4. General.

    

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

    

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

    

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

    

    (d) Notices.
      All
      notices, reports and other communications required or permitted hereunder shall
      be in writing and shall be hand delivered, sent by facsimile, or mailed, postage
      prepaid, to the Company, at the address listed below, or to the Series A Holders
      at the following addresses, which shall be the same addresses reflected on
      the
      records of the Company until such time as the Company receives notice of a
      change:

    

    
       

      
        
          	 	
                  If
                    to the Company:

                   

                
	 	
                  Across
                    America Real Estate Corp.

                
	 	
                  1660
                    Seventeenth Street, Suite 450

                
	 	
                  Denver,
                    Colorado 80202

                
	 	
                  Attention:
                    Chief Executive Officer

                
	 	
                  Telephone:
                    (303) 893-1003

                
	 	
                  Facsimile:
                    (303) 893-1005

                

        

         

      

    

    
       

      
        	
                 

              	
                With
                  a copy to:

              
	
                 

              	
                 

              
	
                 

              	
                David
                  Wagner & Associates, P.C.

              
	
                 

              	
                8400
                  East Prentice Ave. 

              
	
                 

              	
                Penthouse
                  Suite

              
	
                 

              	
                Greenwood
                  Village, Colorado 80111

              
	
                 

              	
                Attention:
                  David J. Wagner, Esq.

              
	
                 

              	
                Telephone:
                  (303) 793-0304 

              
	
                 

              	
                Facsimile:
                  (303) 409-7650

              

      

       

      
        
          
            	 	
                    The
                      Series A Holders: 

                     

                  
	 	
                    BOCO
                      Investments, LLC

                  
	 	
                    103
                      West Mountain Ave. 

                  
	 	
                    Fort
                      Collins, Colorado 80524

                  
	 	
                    Facsimile:
                      (970) 482-6139

                  
	 	
                    Attention:
                      Chief Executive Officer

                  
	 	 

          

           

           

          
            
              
              

            

            
              -
                12
                -

              
                

              

            

            
              
              

            

          

           

           

          
            	 	 With
                    a copy to:
                     

                  
	 	
                    Davis
                      Graham & Stubbs LLP

                  
	 	
                    1550
                      17th
                      Street, Suite 500

                  
	 	
                    Denver,
                      Colorado 80202

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

                  
	 	
                    Telephone:
                      (303) 892-9400

                  
	 	
                    Facsimile:
                      (303) 892-7400

                  

          

          

          
            	 	
                    GDBA
                      Investments, LLLP

                  
	 	
                    1440
                      Blake Street, Suite 310

                  
	 	
                    Denver,
                      CO 80202

                  
	 	
                    Facsimile:
                      (720) 932-9397

                  
	 	
                    Attention:
                      Chief Executive Officer

                  

          

           

          
            	 	 With
                    a copy to
                     

                  
	 	
                    Davis
                      & Ceriani P.C.

                  
	 	
                    Suite
                      400, Market Center

                  
	 	
                    1350
                      Seventeenth Street

                  
	 	
                    Denver,
                      CO 80202

                  
	 	
                    Facsimile:
                      (303) 534-4618

                  
	 	
                    Attention:
                      Patrick J.
                      Kanouff

                  

          

        

      

    

     

    
      
        	 	
                Joseph
                  C. Zimlich

              
	 	
                103
                  West Mountain Ave.

              
	 	
                Fort
                  Collins, Colorado 80524

              
	 	
                Facsimile:
                  (970) 482-6139

              

      

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

    

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

    

    (f) Modification
      or Amendment.
      Neither
      this Agreement nor any provision hereof can be modified or changed, except
      by an
      instrument in writing, signed by the Company and the Series A Holders
      holding in the aggregate at least fifty percent (50%) of the Registrable
      Shares.

    
      
         

        
        

      

      
        -
          13
          -

        
          

        

      

      
        
        

      

    

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

    

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

    

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

    

     

    [Signature
      page follows]

    

    

    
      
        
          

        

        
        

      

      
        -
          14
          -

        
          

        

      

      
        
        

        
        

      

    

    IN
      WITNESS WHEREOF,
      this
      Registration Rights Agreement has been executed by the parties hereto as of
      the
      date first above written.

    

     

     

    
 

    COMPANY:

    

    Across
      America Real Estate Corp.

    

    

    By: /s/
      Ann L. Schmitt

        Name:
      Ann L.
      Schmitt

        Title:
      Chief
      Executive Officer

    

    

    SERIES
      A HOLDERS:

    

    BOCO
      Investments, LLC

    

    

    By: /s/
      Joseph C. Zimlich      

    Name:
      Joseph C. Zimlich

    Title:
      CEO

    

     

    GDBA
      Investments, LLLP

     

     

    By: /s/
      G. Brent Backman       

    Name:
      G.
      Brent Backman

    Title:
      Manager

     

     

    
      By: /s/ 
        Joseph
        C.
        Zimlich       

      Name:
        Joseph
        C.
        Zimlich

    

    

    

          

     

    -
      15
      -

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00110-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00110-of-00352.parquet"}]]