Document:

Exhibit
10.15

SALES AND
MARKETING AGREEMENT

This
Sales and Marketing Agreement (the “Agreement”) is
entered into on February 8, 2007 (the “Effective Date”),
by and among Banuestra Financial Corporation, a Georgia corporation (“Banuestra”) and Assuris, LLC, a Georgia limited liability
company (“Assuris”; together with Banuestra, the “Parties”).

Whereas, Banuestra is a
financial services company that operates retail locations in the Atlanta,
Georgia area serving the un-served and under-served Latino market and provides
Latino focused consulting services and technology solutions to banks, thrifts,
credit unions, retailers and other financial service providers;

Whereas, Assuris is a marketing
company dedicated to providing technology and other solutions to the bank and
financial institution market;

Whereas, Banuestra and Assuris
desire to combine their expertise for the purpose of offering Banuestra’s
products and services to banks and financial institutions; and

Now therefore, in consideration
of the mutual benefits to be derived by both Parties hereto, and other good and
valuable consideration, the receipt and sufficiency of which consideration is
hereby acknowledged, it is agreed as follows:

Article
1.  Marketing Agent Services

1.1  General.  Banuestra hereby grants Assuris the exclusive
right to market and sell Banuestra’s Latino focused consulting services (the “Banuestra Services”) and Conexión el Banco technology
solution (“Conexión El Banco”) to banks and
financial institutions in the United States, including marketing analysis and
segmentation, turnkey design of branches, non-banking products & technology
processing platform, and implementation services offered by Banuestra.

1.2  Marketing Costs.  Assuris shall be solely responsible for its
costs and expenses associated with marketing and selling the Banuestra Services
and Conexión El Banco in accordance with this Agreement.

1.3  Customer Agreements.  Banuestra shall enter into agreements for
Banuestra Services and Conexión El Banco directly with the customer bank or
financial institution.  If requested by
Banuestra, Assuris will provide reasonable assistance in collecting unpaid
accounts and debts from customers that have entered into agreements with
Banuestra due to the marketing efforts of Assuris.

1.4 Marketing Materials and
Representations.  Assuris
shall submit to Banuestra for its prior approval all marketing materials, press
releases, public statements, brochures, advertisements, and other materials
which include any Banuestra Marks (defined below) or which describe, market,
advertise, mention or promote the Banuestra Services or Conexión El Banco.  Banuestra’s approval of such materials shall
not be unreasonably withheld or delayed. 
Neither Assuris nor any of its employees or sales or marketing representatives
shall make any representations regarding the Banuestra Services or Conexión El
Banco which are untrue, misleading or inconsistent with the materials regarding
such products and services provided by Banuestra to Assuris.  Assuris shall not makes any warranties
regarding any products or services to be provided by Banuestra except as
approved in writing by Banuestra.

Article
2.  Fees and Billing

2.1  Agreement Revenue.  Banuestra shall invoice and collect any
amounts due under any agreement for Banuestra Services or Conexión El Banco.

2.2  Payment by Banuestra to Assuris.  Banuestra shall pay Assuris 50% of the
revenue received by Banuestra for all Banuestra Services, whether or not due to
the marketing efforts of Assuris. 
Banuestra shall pay Assuris a marketing fee of 50% of the initial
license and implementation fees received by Banuestra under any license
agreement for Conexión El Banco, whether or not due to the marketing efforts of
Assuris.  Banuestra shall also pay
Assuris 10% of all transaction fees and other recurring revenue received by
Banuestra under any license agreement for Conexión El Banco, whether or not due
to the marketing efforts of Assuris. 
Assuris may engage third parties to market Banuestra Services and
Conexión El Banco to banks and financial institutions.  Assuris shall be solely responsible for any
costs and expenses associated with such engagement, and unless agreed otherwise
shall compensate the third party from the commissions due from Banuestra as set
forth above.

2.3  Overdue Payments.  Payments overdue under Section 2.4
shall bear an interest at the lower of: (a) the highest rate permitted by
applicable law; or (b) 1.5% per month.

2.4  Reporting.  Banuestra shall notify Assuris within ten
(10) business days of the execution of each agreement for Banuestra Services or
license agreement for Conexión El Banco, and shall provide a copy of each such
agreement to Assuris.  All payments under
Section 2.2 shall be paid monthly
within fifteen (15) days of the end of the calendar month in which fees are
received by Banuestra, and shall be accompanied by an accounting of the gross
revenue received under each agreement in that month, along with an allocation
of such revenue between Banuestra and Assuris.

2.5  Right to Audit Books. Upon 48 hours written notice, each Party shall
permit the other Party to inspect its books and records to verify the amounts
owed under this Article 2.  In the event such examination reveals that
the paying Party has underpaid the other Party by 5% or more, the paying Party
shall pay the expense of the examination in addition to the interest payments
required under Section 2.3.

Article
3.  Use of Banuestra Marks.

Subject to the
terms and conditions of this Agreement, Banuestra hereby grants Assuris a non-exclusive,
non-transferable worldwide license to utilize all trade names, trademarks,
symbols, logos and other names and marks owned or used by Banuestra in
connection with the Banuestra Services and Conexión El Banco (the “Banuestra Marks”). 
Assuris shall use and display the Banuestra Marks in accordance with any
written instructions and polices provided by Banuestra to Assuris.  The Banuestra Marks shall only be used in
connection with the Banuestra Services and Conexión El Banco.  Except as otherwise provided in this Article 3, no right, title or interest in or to the
Banuestra Marks, or any other intellectual property owned by Banuestra, shall
be transferred or assigned to Assuris, and the Banuestra Marks and all rights
in the Banuestra Services and Conexión El Banco shall at all times be and
remain the sole and exclusive property of Banuestra.

Article
4.  Confidentiality Agreement

This Agreement
shall be subject to the Non-Disclosure Agreement dated February     ,
2007 between the Parties.

Article
5.  Relationship of the Parties.

The Parties to
this Agreement are independent contractors. 
No Party is an agent, representative or employee of any other
Party.  No Party will have any right,
power or authority to enter into any agreement for or on behalf of, or incur
any obligation or liability of, or to otherwise bind, any other Party.  This Agreement will not be interpreted or
construed to create an association, agency, joint venture or partnership
between the Parties or to impose any liability attributable to such a
relationship upon any Party.

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Article 6. 
Right of Purchase and Right of First Refusal.

6.1.  Right of Purchase.  Subject to the terms, restrictions,
limitations and conditions stated in this Agreement, Assuris grants Banuestra
the right and option to purchase Assuris upon 60 days written notice.

6.2  Purchase Price.  The price to be paid by Banuestra for Assuris
shall be determined by independent valuation experts.  Except as otherwise agreed by the parties,
Banuestra shall appoint one expert, Assuris shall appoint a second expert, and
the experts selected by Banuestra and Assuris will appoint a third expert.  The price to be paid will be the average of
the valuations determined by each of the experts.

6.3  Right of First Refusal.  Banuestra shall have a right of first refusal
on any sale of Assuris or all or substantially all of its business or assets,
whether by stock sale, asset sale, merger, or other change in control.  Assuris will notify Banuestra in writing of
any bona fide offer by any third party to acquire Assuris or all or
substantially all of its business or assets, which notice shall include a
description of the material terms of the agreement and an offer to Banuestra to
acquire Assuris or all or substantially all of its business or assets.  Banuestra shall have 30 days to accept the
offer on substantially the same terms and conditions as proposed to be
established with the third party, and Banuestra shall have 60 days thereafter
to close such acquisition.  If Banuestra
does not accept the offer within the 30 business day period, or fails to close
within 60 days after accepting the offer, then Assuris may proceed to sell
itself or all or substantially all of its business or assets to the third party
on the same terms and conditions as set forth in the written notice to
Banuestra.  If Assuris does not complete
such sale within 120 days, Assuris shall again be required to comply with the
terms of this paragraph.

Article
7.  Term and Termination

7.1  Term.  The term of this Agreement is for a period of
one (1) year from the Effective Date, unless terminated sooner as set forth in Section 7.2.  The term
will be automatically renewed thereafter for additional periods of one year,
provided that Assuris meets the minimum commitments negotiated by the Parties
for renewal of this Agreement.  The
Parties shall negotiate minimum commitments in good faith during the last 90
days of each term.  Either party may
terminate this agreement by written notice no less than 60 days prior to the
end of any term hereof.

7.2  Termination for Material
Breach.  In the event either
Party fails to comply with its obligations under this Agreement in any material
respect, the other Party may, at its option, terminate the Agreement upon 20
days prior written notice of any non-compliance, but the termination shall be
effective only in the event that the default is not corrected to the other
Party’s satisfaction within such 20 day period.

7.3  Rights of Parties Upon Termination.  If this Agreement is terminated by either
Party, the payment provisions of Article 2 shall
survive and each party shall continue to pay all amounts due hereunder to the
other for all contracts which are continuing with customers and for which
revenue is due hereunder.  The
obligations of the Parties under Article 8 shall
also survive any termination of this Agreement.

Article
8.  Indemnifications and Limitations

8.1  Indemnification.
Banuestra shall indemnify, hold harmless and defend Assuris, and its members
and the directors, officers and employees of each of them and their respective
successors, assigns, from and against any and all losses, claims, damages,
costs, expenses or liabilities, including but not limited to, reasonable
attorney’s fees and court costs resulting from any claim made against Assuris
arising out of (i) the gross negligence or intentional misconduct of Banuestra,
(ii) the provision of any products or services by Banuestra under any agreement
or (iii) any infringement or alleged infringement by Banuestra of any patent,
copyright, trademark, trade secret or other intellectual property right of a
third party or violates any law. Assuris shall indemnify, hold harmless and
defend Banuestra, and its 

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members and the
directors, officers and employees of each of them and their respective successors,
assigns, from and against any and all losses, claims, damages, costs, expenses
or liabilities, including but not limited to, reasonable attorney’s fees and
court costs resulting from any claim made against Banuestra arising out of any
gross negligence, intentional misconduct or breach by Assuris of this
Agreement.  The indemnified party shall
provide the indemnifying party hereunder with prompt notice of any claim which
would give rise to indemnification, and shall allow the indemnifying party to
assume the defense of such claims with counsel of its choosing, provided that
the indemnified party may engage its own counsel at its own cost and
expense.  The indemnified party shall not
settle any claim or provide any release without the consent of the indemnifying
party.

8.2  Limitations. EXCEPT
IN THE CASE OF A CLAIM UNDER SECTION 8.1, NEITHER
PARTY NOR ITS AFFILIATES, SUBSIDIARIES, PARENT CORPORATION OR ANY OF ITS
PARENT’S AFFILIATES OR SUBSIDIARIES SHALL BE LIABLE FOR ANY INDIRECT,
INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING,
BUT NOT LIMITED TO, LOSS OF PRESENT OR PROSPECTIVE PROFITS OR REVENUES, LOSS OF
ACTUAL OR ANTICIPATED ROYALTIES OR OTHER FEES SUSTAINED OR INCURRED IN RESPECT
TO SALES OR ANTICIPATED SALES OR EXPENDITURES, INVESTMENTS OR COMMITMENTS MADE
IN CONNECTION WITH THE ESTABLISHMENT, DEVELOPMENT, OR MAINTENANCE OF THE
SELLING AND MARKETING RELATIONSHIP CREATED BY THIS AGREEMENT OR IN CONNECTION
WITH THE PERFORMANCE OF OBLIGATIONS HEREUNDER, REGARDLESS OF THE FORM OF
ACTION, WHETHER IN CONTRACT OR TORT, INCLUDING NEGLIGENCE, STRICT LIABILITY, OR
OTHERWISE, AND WHETHER OR NOT SUCH DAMAGES WERE FORESEEN OR UNFORESEEN, EVEN IF
SUCH PARTY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.  NOTWITHSTANDING THE FOREGOING, EACH PARTY
SHALL INDEMNIFY THE OTHER FOR ANY AND ALL DAMAGES FOR WHICH INDEMNIFICATION IS
REQUIRED UNDER SECTION 8.1 TO THE EXTENT SUCH DAMAGES ARE AWARDED TO A THIRD
PARTY BY ANY COURT, ARBITRATOR, OR OTHER JUDICIAL OR QUASI-JUDICIAL PROCEEDING.

Article
9.  General Provisions

9.1  Applicable Law.  The validity, meaning, and effect of this
Agreement shall be determined in accordance with the laws of the State of
Georgia, without regard to any rules governing conflicts of laws.

9.2.  Successors and Assigns.  The Agreement shall be binding upon and inure
to the benefit of the Parties hereto and their respective successors and
assigns provided; however, that neither Party shall transfer, pledge or assign
this Agreement or any part, interest in, obligation hereunder or compensation
due to it hereunder without obtaining the prior written consent of the other
Party in each instance.

9.3  Notices. All notices,
requests, consents, and other communications hereunder to any Party shall be
deemed to be sufficient if contained in a written instrument delivered in
person, facsimile, electronic mail (if an electronic mail address is specified
in this Section), a nationally recognized overnight courier, or first class
registered or certified mail, return receipt requested, postage prepaid,
addressed to such Party at the address set forth below or such other address as
may hereafter be designated in writing by such Party to the other Party:

	
  

  	
  Banuestra:

  	
  Banuestra Financial Corporation

  	
   

  
	
   

  	
   

  	
  623 Holcomb Bridge Road

  	
   

  
	
   

  	
   

  	
  Roswell, GA 30076

  	
   

  
	
   

  	
   

  	
  Tel: (678) 461-0995

  	
   

  
	
   

  	
   

  	
  Fax: 678-352-1514

  	
   

  

 

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  Assuris:

  	
  Assuris, LLC

  	
   

  
	
   

  	
   

  	
  4725 Peachtree Corners Circle

  	
   

  
	
   

  	
   

  	
  Suite 370

  	
   

  
	
   

  	
   

  	
  Norcross, GA 30092

  	
   

  
	
   

  	
   

  	
  Tel: (770) 840-2700

  	
   

  
	
   

  	
   

  	
  Fax: (770) 840-2701

  	
   

  

 

All such notices,
requests, consents and other communications shall be deemed to have been given
when received.

9.4  Headings.  The captions or headings contained in the
Agreement are inserted and included solely for convenience and shall never be
considered or given any effect in construing the provisions hereof if any
question of intent should arise.

9.5  Waiver.  The waiver by either Party of any provision
of this Agreement or the failure by either Party to claim a breach of any
provision of this Agreement shall not be and shall not be deemed to be a waiver
of any other provision or breach of this Agreement.

9.6  Severability.  The determination by a court of competent
jurisdiction that any term or provision of this Agreement is invalid or unenforceable
shall not affect the validity or enforceability of any other terms or
provisions of this Agreement. Upon such determination of invalidity or
unenforceability of any provisions, the
Parties shall in good faith negotiate a mutually acceptable and enforceable
substitute for the unenforceable provision, which substitute shall be as
consistent as possible with the original intent of the Parties.

9.7  Entire Agreement.  This written Agreement contains the entire
agreement between the Parties and supersedes all prior and collateral
representations, promises and conditions in connection with the subject matter
hereof.  Any representation, promise or
condition not incorporated in this Agreement shall not be binding on either
party.

9.8  Counterparts.  This Agreement may be executed in several
counterparts, each copy of which shall serve as an original for all purposes,
but all copies shall constitute but one and the same Agreement.

In
Witness Whereof, the Parties hereto have executed this Agreement to be effective
as of the date set forth in the preamble above.

	
  Banuestra Financial Corporation

  	
   

  	
  Assuris, LLC

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
  By:

  	
  /s/ Drew W. Edwards

  	
   

  	
  By:

  	
  /s/ John W. Collins

  	
   

  	
   

  
	
   

  	
  Signature

  	
   

  	
   

  	
  Signature

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Drew W. Edwards

  	
   

  	
   

  	
  John W. Collins

  	
   

  	
   

  
	
   

  	
  Print Name

  	
   

  	
   

  	
  Print Name

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Chief Executive Officer

  	
   

  	
   

  	
  Chief Executive Officer

  	
   

  	
   

  
	
   

  	
  Print Title

  	
   

  	
   

  	
  Print Title

  	
   

  	
   

  

 

 

 5Exhibit 10.16

THE
WARRANTS EVIDENCED BY THIS CERTIFICATE HAVE BEEN ISSUED OR SOLD IN RELIANCE ON
EXEMPTIONS FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 AND APPLICABLE
STATE SECURITIES LAWS AND MAY NOT BE SOLD OR TRANSFERRED EXCEPT IN A
TRANSACTION WHICH IS EXEMPT UNDER SUCH ACT AND STATE LAWS OR PURSUANT TO AN
EFFECTIVE REGISTRATION STATEMENT UNDER SUCH ACT AND STATE LAWS.

EL BANCO
FINANCIAL CORPORATION

WARRANT AGREEMENT

July 19, 2006

	
  Warrant Holder:

  	
   

  	
   

  
	
  No. of Shares:

  	
   

  	
   

  

 

Pursuant to the Loan and
Security Agreement (“the “Loan Agreement”) between El Banco Financial
Corporation (f/k/a Nuestra Tarjeta de Servicios, Inc.) (the “Company”) and
Nuestra Loan LLC, the Company hereby grants to the person identified above as
the Warrant Holder warrants (the “Warrants”) to purchase the number of shares
of common stock of the Company (“Common Stock” or “Shares”) set forth
above.  Defined terms used herein shall
have the meanings set forth in the Loan Agreement.  Such Warrants are granted on the following
terms and conditions:

1.                                      Exercise of Warrants.  The Warrants granted in this agreement (the “Warrant
Agreement”) shall vest as follows:  50%
of such warrants shall vest and be exercisable immediately.  The other 50% of such warrants shall vest at
5 p.m. on September 1, 2006, or on a Default under the Loan Agreement,
whichever is earlier.  If the Loan and
all Obligations are satisfied by 5 p.m. on September 1, 2006, then unvested warrants shall automatically
and without further action be cancelled.

2.                                      Exercise Price.  The exercise price (the “Exercise Price”)
shall be $0.01 per Share, subject to adjustment pursuant to Section 3 below.

a)                                      Expiration of Warrant
Term. The Warrants will expire on September 1, 2015 (the “Expiration
Date”).

b)                                     Method of Exercise; Payment.  To the
extent that the Warrant has become and remains exercisable it may be exercised
by the Warrant Holder delivering to the Company a written notice of exercise
signed by the Warrant Holder, in substantially the form attached hereto as Exhibit A (a “Notice of Exercise”),
together with a check payable to the Company in the amount of the total
purchase price for the Warrant Shares to be purchased pursuant to the Notice of
Exercise.

Within 30 days after the exercise of the Warrant as herein provided,
the Company shall deliver to the Warrant Holder a certificate or certificates
for the Warrant Shares being issued in the name of the Warrant Holder and in
such denominations as are requested by the Warrant Holder.

c)                                      Partial Exercise.  In the event of a partial exercise of the
Warrants, the Company shall either issue a new agreement for the balance of the
Shares subject to this Warrant Agreement after such partial exercise, or it
shall conspicuously note hereon the date and number of Shares purchased
pursuant to such exercise and the number of Shares remaining covered by this
Warrant Agreement.

d)                                     Restrictions on
Exercise.The
Warrants may not be exercised (i) if the issuance of the Shares upon such
exercise would constitute a violation of any applicable federal or state
securities or banking laws or other law or regulation or (ii) unless the holder
hereof obtains any approval or other clearance which the Company determines to
be necessary or advisable from the any state or federal regulatory agency with
regulatory authority over the operation of Company.  The Company may require representations and
warranties from the Warrant Holder as required to comply with applicable laws
or regulations, including the Securities Act of 1933 and state securities laws.

3.                                      Anti-Dilution;
Merger.

a)                                     In case the Company shall, while this Warrant
remains outstanding, make a stock dividend, stock distribution, stock split, or
reverse stock split, then the Exercise Price and/or number of shares available
for purchase under this Warrant will be adjusted so that the Warrant Holder who
thereafter exercises his rights under this Warrant may receive the same number
of shares of common stock of the Company which he would have owned immediately
following such action if the Warrant Holder had exercised this Warrant
immediately prior to such action.

b)                                    In case the Company shall, while this Warrant
remains outstanding, enter into any consolidation with or merge into any other
corporation or other entity wherein the Company is not the surviving
corporation, or wherein securities of a corporation or other entity other than
the Company are distributable to holders of Common Stock, or sell or convey its
property as an entirety or substantially as an entirety, and in connection with
such consolidation, merger, sale or conveyance, shares of stock or other
securities shall be issuable or deliverable in exchange for the Common Stock,
then, as a condition of such consolidation, merger, sale or conveyance, lawful
and adequate provision shall be made whereby the Warrant Holder shall
thereafter be entitled to purchase pursuant to the rights contained in this
Warrant (in lieu of the number of shares of Common Stock which such Warrant
Holder would have been entitled to purchase immediately prior to such
consolidation, merger, sale or conveyance) the shares of stock or other
securities to which such number of shares of Common Stock would have been
entitled at the time of such consolidation, merger, sale or conveyance, at an
aggregate purchase price equal to that which would have been payable if such
number of shares of Common Stock had been purchased by exercise of this Warrant
immediately prior thereto.  In case of
any such consolidation, merger, sale or conveyance, appropriate provision shall
be made with respect to the rights and interests thereafter of the Warrant
Holder, to the end that all the provisions of the rights contained in this
Warrant shall thereafter be applicable, as nearly as practicable, to such stock
or other securities thereafter deliverable upon the exercise of the rights 

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under
this Warrant.  The Company shall not
effect any such consolidation, merger, sale or conveyance unless prior to or
simultaneously with the consummation thereof the successor corporation or other
entity (if other than the Company) resulting from such consolidation or merger
or purchasing or acquiring such assets shall assume by written instrument,
executed and mailed or delivered to the Warrant Holder, the obligation to
deliver to the Warrant Holder such shares of stock, securities or assets as, in
accordance with the foregoing provisions, the Warrant Holder may be entitled to
receive, which instrument shall contain the express assumption by such
successor corporation or other entity of the due and punctual performance and
observance of every provision of the rights under this Warrant to be performed
and observed by the Company and of all liabilities and obligations of the
Company hereunder.

4.                                      Valid Issuance of Common Stock.  The Company possesses the full authority and
legal right to issue, sell, transfer, and assign this Warrant and the Shares
issuable pursuant to this Warrant.  The
issuance of this Warrant vests in the holder the entire legal and beneficial
interests in this Warrant, free and clear of any liens, claims, and
encumbrances and subject to no legal or equitable restrictions of any kind
except as described herein.  The Shares
that are issuable upon exercise of this Warrant, when issued, sold and delivered
in accordance with the terms of this Agreement for the consideration expressed
herein, will be duly and validly issued, fully paid, and non-assessable, and
will be free of restrictions on transfer other than restrictions under
applicable state and federal securities.

5.                                      Investment Representation.  This
Agreement and the Warrants represented hereby were issued in reliance on an
exemption from registration under the Securities Act of 1933 (the “Act”) and
other applicable exemptions under state securities laws.  The Company’s reliance on such exemption is
predicated in part on the Warrant Holder’s representations set forth
herein.  As a condition to the issuance of Shares hereunder, the Warrant Holder
represents to the Company that the Shares Warrant Holder will acquire pursuant
to such exercise are being purchased for Warrant Holder’s own account for
investment purposes only and not with a present view to resale or a
distribution thereof.  The Warrant Holder
acknowledges that the Shares may be “restricted securities” as defined in the
Act and that such Shares may not be able to be resold unless such resale is
registered under the Act and applicable state securities laws or unless an
exemption is available.  The Warrant
Holder acknowledges that Warrant Holder has no rights to cause the registration
of the Shares.

6.                                      Restrictions
on Transferability.  This
Agreement and the Warrants may not be assigned, transferred (except as provided
above), pledged, or hypothecated in any way (whether by operation of law or
otherwise) without the Company’s prior written consent and shall not be subject
to execution, attachment, or similar process. 
Any attempted assignment, transfer, pledge, hypothecation, or other
disposition of these Warrants contrary to the provisions hereof shall be
without legal effect.  The Shares
issuable on exercise of the Warrants may not be assigned or transferred by the
Warrant Holder without the Company’s prior written consent and, if so requested
by the Company, the delivery by the Warrant Holder to the Company of an opinion
of counsel in form and substance satisfactory to the Company stating that such
transfer or assignment is in compliance with the Act and applicable state
securities laws.

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7.                                      Restrictive
Legend.  Each certificate for Shares issued upon exercise of the Warrant shall
bear a legend stating that they have not been registered under the Act or any
state securities laws and referring to the restrictions on transferability and
sale herein.

8.                                      Covenants of the Company.   During
the term of the Warrants, the Company shall:

a)                                      at all times authorize, reserve and keep
available, solely for issuance upon exercise of this Warrant, sufficient Shares
from time to time issuable upon exercise of this Warrant;

b)                                     on receipt of evidence reasonably satisfactory to
the Company of the loss, theft, destruction or mutilation of this Warrant and,
in the case of loss, theft, or destruction, on delivery of any indemnity
agreement or bond reasonably satisfactory in form and amount to the Company or,
in the case of mutilation, on surrender and cancellation of this Warrant, at
its expense execute and deliver, in lieu of this Warrant, a new Warrant of like
tenor; and

c)                                      on surrender for exchange of this Warrant or any
Warrant substituted therefor pursuant hereto, properly endorsed, to the
Company, at its expense, issue and deliver to or on the order of the holder
thereof a new Warrant or Warrants of like tenor, in the name of such holder or
as such holder (on payment by such holder of any applicable transfer taxes) may
direct, calling in the aggregate on the face or faces thereof for the issuances
of the number of shares of common stock issuable pursuant to the terms of the
Warrant or Warrants so surrendered.

9.                                      No Rights as a Shareholder.  The Warrant Holder shall not have any
interest in or shareholder rights with respect to any shares of Common Stock
which are subject to the Warrant until such shares have been issued and
delivered to the Warrant Holder in accordance with this Warrant.

10.                               Taxes.  As a
condition to the issuance of the Shares subject to this Warrant, the Company
may withhold, or require the Warrant Holder to pay or reimburse the Company
for, any taxes which the Company determines are required to be withheld under
federal, state or local law in connection with the exercise of the Warrant.

11.                               Amendment.  Neither this Agreement nor the
rights granted hereunder may be amended, changed or waived except in writing
signed by each party hereto.

12.                               Governing Law.  This
Warrant shall be governed by, and construed and enforced in accordance with,
the laws of the State of Georgia without regard to the principles of conflicts
of laws.

13.                               Entire Agreement.  This
Warrant constitutes the full and entire agreement and understanding of the
parties to this Warrant with respect to the subjects hereof and thereof, and
supersede all previous discussions and agreements, if any, of the parties
hereto.  No party shall be liable for or
bound in any other manner by any representations, warranties, covenants or
agreements except as specifically set forth in this Warrant.

14.                               Severability.  The
provisions of this Warrant, and of each separate section and subsection, are
severable, and if any one or more provisions may be determined to be illegal or
otherwise unenforceable, in whole or in part, the remaining provisions, and any

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unenforceable provision to the
extent enforceable, shall nevertheless be binding and enforceable.

IN WITNESS WHEREOF, the Company has executed and the
holder has accepted this Warrant Agreement as of the date and year first above
written.

	
  

  	
  El BANCO FINANCIAL CORPORATION

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  
	
   

  	
   

  	
  Steven Doctor, Chief Financial Officer

  
	
   

  	
   

  	
   

  
	
   

  	
  Attest:

  	
   

  
	
   

  	
   

  	
  Secretary

  
	
   

  	
   

  	
   

  
	
   

  	
  WARRANT HOLDER:

  
	
   

  	
   

  	
   

  
	
   

  	
  By:

  	
   

  
	
   

  	
   

  	
  Signature

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
  Print Name

  

 

 

 5
 

EXHIBIT A

NOTICE OF EXERCISE

[DATE]

El Banco Financial Corporation

623 Holcomb Bridge Road

Roswell, GA 30076

Attn:  President

	
  

  	
  Re:

  	
  Exercise of Stock Purchase Warrant

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  Dear Sir:

  	
   

  

 

The
undersigned,                                                  ,
pursuant to that certain Warrant Agreement, dated as of July 19, 2006, by and
between Nuestra Tarjeta de Servicios, Inc. (the “Company”) and the undersigned
(the “Warrant”), hereby exercises the Warrant for                          
shares of Common Stock, subject to the terms and conditions of the Warrant. Accompanying
this Notice is a check in the amount of $                         
payable to the Company equal to the Exercise Price set forth in the Warrant
multiplied by the number of shares of Common Stock being acquired hereby.

	
  

  	
  Very truly yours,

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  [Name]

  	
   

  

 

 

 6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00117-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00117-of-00352.parquet"}]]