Document:

AMENDMENT

                                     TO THE

                       SAFEGUARD HEALTH ENTERPRISES, INC.

                                  401(k) PLAN

This  amendment  is  made  by  Safeguard  Health  Enterprises, Inc. (hereinafter
referred  to  as the "Company") to the Safeguard Health Enterprises, Inc. 401(k)
Plan  (hereinafter  referred  to  as  the  "Plan").

WHEREAS,  the  Company  has  expressed  the desire to amend said Plan in certain
particulars  effective  immediately.

NOW  THEREFORE  RESOLVED,  the  Company  hereby  agrees  as  follows:

1.     Section  13.12  of  said  Plan  is  removed  in  its  entirety.

IN  WITNESS  WHEREOF,  the Company has executed this Amendment on the date shown
below.

By:  /s/  Ronald  I. Brendzel          Dated:  December 21, 2001
     ------------------------                  -----------------
     Authorized Signature

<PAGE>PROMISSORY NOTE

To:     BIG SKY MANAGEMENT LTD.            Principal Sum:      US $100,000.00
                                           Expiry:             JANUARY 29, 2002

FOR THE  FOLLOWING: ONE  HUNDRED THOUSAND US DOLLARS (USD $100,000.00) and other
                     --------------------------------------------------
good  and  valuable  consideration, the receipt of which is hereby acknowledged,
the  Undersigned  promises  to  pay to DYNAMIC  VENTURES INC., 114 West Magnolia
                                       -----------------------
Street, Suite 400-127, Bellingham, Washington, USA, or such address as may be
designated by Big Sky Management Ltd., or by any holder of this note, the sum of
USD $100,000.00 , plus interest at the rate of 12% per annum on the unpaid
balance beginning from the date the funds are advanced until fully paid.

The repayment of this Note (including principal and interest) is due in full on
or before January 29, 2002 (1 year from the above date).

TERMS OF REPAYMENT

1.     This  note  may  be  repaid  in  whole  or  in  part  without  penalty.

2.   In the event of the failure to make any payment when due, the holder of
     this Note may declare the entire principal balance and accrued interest
     immediately due and payable. Any overdue payment shall bear interest at the
     rate of twelve percent (10%) per annum or the maximum rate permitted by
     law, whichever is lower.

3.   Security Lien. The maker of this Note hereby grants to the Holder a
     security interest in any and all corporate property, including but not
     limited to, real property, inventory, receivables, and office equipment.

4.   All parties to this Note, including the Undersigned and any endorser or
     guarantors, if any, jointly and severally waive presentment, notice or
     dishonor, and diligence in collecting and all agree to remain fully obliged
     under the terms of this Note even if, without notice, the time for payment
     is extended, or the Note is renewed or modified, or one or more of the
     parties is released or discharged, or the release or substitution of any
     collateral given as security for the payment of the Note.

5.   If this note is not paid promptly in accordance with it's terms, the
     undersigned agrees to pay all costs of collection, including reasonable
     attorney's fees. In the event that any judgement is obtained under this
     Note, the Undersigned waive, to the extent permitted under law, the benefit
     of any law exempting their property, or any part of it.

Date effective as of the 29th day of January, 2001.
                         ----        -------

DYNAMIC VENTURES INC.

-------------------------------
          President

<PAGE>EXHIBIT 10.7

            LOT/LAND PURCHASE AND SALE AGREEMENT DATED APRIL 18, 2001
       BY AND BETWEEN CHEROKEE BANK, N.A. AND DAVIS HOLDING COMPANY, INC.

                      LOT/LAND PURCHASE AND SALE AGREEMENT

                              Date:  April 09, 2001

1.     PURCHASE AND SALE.  The undersigned buyer ("Buyer") agrees to buy and the
       -----------------
undersigned  seller  ("Seller") agrees to sell all that tract or parcel of land,
with  such  improvements as are located thereon, described as follows:  All that
tract  of  land lying and being in Land Lot 88 of the 15th District, 2nd Section
of  Cherokee  County,  Georgia, and being known as [ ] Marietta Highway, Canton,
Georgia  30114,  according to the present system of numbering in and around this
area,  being  more  particularly  described  as  Lot  n/a,  Block n/a, Unit n/a,
Phase/Section  n/a  of  n/a subdivision, as recorded as Plat Book n/a, Page n/a,
Cherokee  County,  Georgia,  records  together  with  all fixtures, landscaping,
improvements,  and appurtenances, all being hereinafter collectively referred to
as the "Property."  The full legal description of the Property is the same as is
recorded  with  the  Clerk  of  the  Superior  Court  of the county in which the
Property  is  located  and  is  made  a  part  of  this  Agreement by reference.

2.     PURCHASE  PRICE.  Buyer  warrants that Buyer will have sufficient cash at
       ---------------
closing,  which  when combined with the loan(s), if any, referenced herein, will
allow  Buyer  to  complete the purchase of the Property.  Buyer does not need to
sell  or  lease  other  real  property  in order to complete the purchase of the
Property.  The purchase price of the Property to be paid by Buyer at closing is:
[SELECT  ONE.  THE  OTHER  IS  NOT  A  PART  OF  THIS  AGREEMENT.]:

A.   [X]    Six  Hundred  Thousand  U.S.  Dollars,  ($600,000)

                                       OR

B.   [ ]    shall  have  a  survey  made of the Property by a registered Georgia
Surveyor;  if  said  survey  is  not  mutually  acceptable, the parties agree to
resolve  that  issue in accordance with the provisions of the "Survey Resolution
Exhibit"  attached  and  made  a  part  hereof  by reference thereto.  The total
purchase  price shall be determined by multiplying the total number of acres, to
the  nearest  one  one-hundredth  of  an  acre  determined  by  survey,  by  $
 per  acre.

3.     METHOD  OF  PAYMENT.  The purchase price of the Property shall be paid by
       -------------------
the buyer at closing subject to the following:  [SELECT SECTIONS A, B, C, AND/OR
D  BELOW.  THE  SECTIONS  NOT  MARKED  ARE  NOT  A  PART  OF  THIS  AGREEMENT.]:

   [X]    A.     ALL CASH AT CLOSING:  At closing, Buyer shall pay the purchase
          price  to  Seller  in  cash, or its equivalent. Buyer's obligations to
          close  shall  not  be  contingent  upon  Buyer's  ability  to  obtain
          financing.  Buyer  shall  pay  all  closing  costs.

   [ ]    B.     LOAN  TO  BE  ASSUMED:  See  Exhibit  "_______."

<PAGE>
   [ ]    C.     NEW  LOAN  TO  BE OBTAINED:  This Agreement is made conditioned
          upon  Buyer's  ability  to obtain a loan (except if the loan is denied
          because  of  Buyer's  lack  of  sufficient cash to close excluding the
          amount  of  the loan and/or because Buyer has not sold or leased other
          real  property)  in  the  principal amount of _______% of the purchase
          price  listed  above,  with  an  interest rate at par of not more than
          ________%  per  annum  on the unpaid balance, to be secured by a first
          lien security deed on the Property; the loan to be paid in consecutive
          monthly installments of principal and interest over a term of not less
          than ____ years. "Ability to obtain" as used herein mean that Buyer is
          qualified  to  receive  the  loan described herein based upon lender's
          customary and standard underwriting criteria. The loan shall be of the
          type  selected  below: [THE SECTIONS NOT MARKED ARE NOT A PART OF THIS
          AGREEMENT.]

          (1)  LOAN  TYPE:  CONVENTIONAL;  FHA  (see  attached exhibit); VA (see
          attached  exhibit);  OTHER  (see  attached  exhibit);

          (2)  RATE  TYPE:  FIXED  RATE  MORTGAGE LOAN; ADJUSTABLE RATE MORTGAGE
          ("ARM")  LOAN;

          (3) CLOSING COSTS AND DISCOUNT POINTS: At closing, _____________ shall
          pay  a  sum  not  to  exceed  $______________  to  be  used at Buyer's
          discretion  to  pay  for  closing  costs, loan discount points, survey
          costs,  insurance  relating  to the property or loan and if allowed by
          lender, other cost to close, including escrow and prepaid items. Buyer
          shall  pay  any  additional fees, costs, insurance premiums, or escrow
          amounts  to  fulfill  lender  requirements  or to otherwise close this
          transaction.

          (4)  LOAN  OBLIGATIONS:  Buyer agrees to: (a) make application for the
          loan  within  ________  (______) days from the Binding Agreement Date;
          (b)  immediately  notify Seller of having applied for the loan and the
          name  of  the lender; and (c) pursue qualification for and approval of
          the  loan  diligently and in good faith. Should Buyer not timely apply
          for  the  loan,  Seller  may terminate the Agreement if Buyer does not
          within  five  (5) days after receiving written notice thereof cure the
          default by providing Seller with written evidence of loan application.
          Buyer  agrees  that  a loan with terms consistent with those described
          herein shall satisfy this loan contingency. Buyer may also apply for a
          loan  with  different  terms  and conditions and close the transaction
          provided  all  other  terms  and  conditions  of  this  Agreement  are
          fulfilled, and the new loan does not increase the costs charged to the
          Seller.  Buyer  shall  be obligated to close this transaction if Buyer
          has the ability to obtain a loan with terms as described herein and/or
          any  other  loan  for  which  Buyer  has  applied  and  been approved.

   [ ]    D.     SECOND  LOAN  TO  BE  OBTAINED,  see  Exhibit  "_____."

<PAGE>
4.   EARNEST  MONEY. Buyer has paid to Century-21-Max Stancil ("Holder") earnest
     --------------
     money of $5,000.00 check, OR $0.00 cash, which has been received by Holder.
     The earnest money shall be deposited in Holder's escrow/trust account (with
     Holder  retaining  the  interest if the account is interest bearing) within
     five  (5) banking days from the Binding Agreement Date and shall be applied
     toward  the  purchase  price of the Property at the time of closing. In the
     event  any  earnest money check is not honored, for any reason, by the bank
     upon  which  it  is  drawn,  Holder shall promptly notify Buyer and Seller.
     Buyer shall have three (3) banking days thereafter to deliver good funds to
     Holder.  In  the event Buyer does not timely deliver good funds, the Seller
     shall have the right to terminate this Agreement upon written notice to the
     Buyer.  Holder  shall  disburse earnest money only as follows: (a) upon the
     failure  of  the parties to enter into a binding agreement; (b) at closing;
     (c)  upon  a  written agreement signed by all parties having an interest in
     the funds; (d) upon order of a court or arbitrator having jurisdiction over
     any  dispute  involving  the  earnest  money;  or  (e)  upon  a  reasonable
     interpretation  of  this  Agreement  by Holder. Prior to disbursing earnest
     money  pursuant  to  a  reasonable interpretation of this Agreement, Holder
     shall  give all parties fifteen (15) days notice by certified mail (to each
     party's last known address), stating to whom the disbursement will be made.
     Any party may object in writing to the disbursement, provided the objection
     is  received  by  Holder  prior  to  the end of the fifteen (15)-day notice
     period.  All  objections  not raised in a timely manner shall be waived. In
     the  event  a timely objection is made, Holder shall consider the objection
     and  shall  do  any or a combination of the following: (1) hold the earnest
     money for a reasonable period of time to give the parties an opportunity to
     resolve  the  dispute;  (2)  disburse  the  earnest money and so notify all
     parties;  and/or (3) interplead the earnest money into a court of competent
     jurisdiction.  Holder shall be reimbursed for and may deduct from any funds
     interpleaded  its costs and expenses, including reasonable attorneys' fees.
     The  prevailing  party  in  the  interpleader  action  shall be entitled to
     collect  from  the other party the costs and expenses reimbursed to Holder.
     No party shall seek damages from Holder (nor shall Holder be liable for the
     same)  for  any  matter  arising  out  of  or related to the performance of
     Holder's  duties  under  this  earnest  money  paragraph. If Buyer breaches
     Buyer's  obligations or warranties herein, Holder may pay the earnest money
     to  Seller  by  check,  which  if  accepted  and  deposited by Seller shall
     constitute  liquidated  damages in full settlement of all claims of Seller.

5.   CLOSING  AND  POSSESSION.
      ------------------------

     A.  PROPERTY CONDITION: Seller warrants that at the time of closing or upon
     the granting of possession if at a time other than at closing, the Property
     will  be  in the same condition as it was on Binding Agreement Date, normal
     wear  and  tear  excepted.  Seller shall deliver Property clean and free of
     debris at time of possession. If the Property is destroyed or substantially
     damaged  prior to closing, Seller shall promptly notify Buyer of the amount
     of  insurance  proceeds  available  to repair the damage and whether Seller
     will  complete repairs prior to closing. Buyer may terminate this Agreement
     not  later than five (5) days after receiving such notice by giving written
     notice  to  Seller. If Buyer does not terminate this Agreement, Buyer shall
     receive  at  closing such insurance proceeds as are paid on the claim which
     are  not  spent  to  repair  the  damage.

<PAGE>
     B. TAXES: Real estate taxes on said Property for the calendar year in which
     the  sale  is  closed  shall  be prorated as of the date of closing. Seller
     shall  pay  State  of  Georgia  property  transfer  tax.

     C. CLOSING DATE AND POSSESSION: This transaction shall be closed on July 9,
     2001,  or on such other date as may be agreed to by the parties in writing;
     provided,  however,  that:  (1)  the  loan described herein is unable to be
     closed  on  or before said date; or (2) Seller fails to satisfy valid title
     objections,  Buyer or Seller may by notice to the other party (which notice
     must  be  received  on  or before the closing date) extend this Agreement's
     closing date up to seven (7) days from the above-stated closing date. Buyer
     agrees  to  allow  Seller  to  retain  possession of the Property until and
     through  closing  or  until  __________,  whichever  is  later.

     D.  WARRANTIES  TRANSFER:  Seller  agrees to transfer to Buyer, at closing,
     subject  to  Buyer's  acceptance  thereof,  Seller's  interest  in  any
     manufacturer's  warranties,  service  contracts,  termite bond or treatment
     guarantee  and/or  other  similar  warranties  which  by their terms may be
     transferable  to  Buyer.

     E.  PRORATIONS: Seller and Buyer agree to prorate all utility bills between
     themselves,  as  of  the  date  of closing (or the day of possession of the
     Property  by  the  Buyer,  whichever  is  the later) which are issued after
     closing  and  include  service  for  any  period  of  time the Property was
     owned/occupied  by  Seller  or  any  other  person  prior  to  Buyer.

     F.  CLOSING CERTIFICATIONS: Buyer and Seller shall execute and deliver such
     certifications,  affidavits,  and  statements as are required at closing to
     meet  the  requirements  of  the  lender  and  of  federal  and  state law.

6.   SELLER'S  PROPERTY  DISCLOSURE.  Seller's  Lot/Land Disclosure Statement is
     -----------------------------
     attached  hereto  and incorporated herein. Seller warrants that to the best
     of  Seller's  knowledge  and  belief  the  information contained therein is
     accurate  and  complete  as  of  the  Binding  Agreement  Date.

7.   TITLE.
     -----

     A.  WARRANTY.  Seller  warrants  that  at  the time of closing, Seller will
     convey good and marketable title to said Property by general warranty deed,
     subject  only  to:  (1)  zoning,  (2)  general utility, sewer, and drainage
     easements  of  record on the Acceptance Date upon which the improvements do
     not  encroach;  (3) subdivision and/or condominium declarations, covenants,
     restrictions,  and  easements  of  record  on  the Acceptance Date; and (4)
     leases  and other encumbrances specified in this Agreement. Buyer agrees to
     assume Seller's responsibilities in any leases specified in this Agreement.

     B.  EXAMINATION.  Buyer  may,  prior  to closing, examine title and furnish
     Seller  with  a written statement of objections affecting the marketability
     of  said  title. If Seller fails to satisfy valid title objections prior to
     closing  or  any  extension thereof, then Buyer may terminate the Agreement
     upon written notice to Seller, in which case Buyer's earnest money shall be

<PAGE>
     returned. Good and marketable title as used herein shall mean title which a
     title  insurance  company licensed to do business in Georgia will insure at
     its  regular  rates,  subject  only  to  standard  exceptions.

     C.  SURVEY.  Any survey of the Property attached hereto by agreement of the
     parties  prior  to  the  Binding  Agreement  Date  shall  be a part of this
     Agreement.  Buyer  shall  have  the  right to terminate this Agreement upon
     written  notice  to Seller if a new survey performed by a surveyor licensed
     in  Georgia  is  obtained  which  is materially different from any attached
     survey  with  respect  to the Property, in which case Buyer's earnest money
     shall  be  returned. The term "materially different" shall not apply to any
     improvements  constructed  by  Seller  in  their  agreed-upon  locations
     subsequent to Binding Agreement Date. Matters revealed in said survey shall
     not  relieve  the warranty of title obligations of Seller referenced above.

8.   INSPECTION.  Buyer  and/or  Buyer's representatives shall have the right to
     ----------
     enter  the  Property  at Buyer's expense and at reasonable times (including
     immediately  prior  to  closing)  to thoroughly inspect, examine, test, and
     survey the Property. Seller shall cause all utility services, if any, to be
     operational  so  that  Buyer  may  complete  all  inspections  under  this
     Agreement.  The  Buyer  agrees  to hold the Seller and all Brokers harmless
     from  all  claims,  injuries,  and damages arising out of or related to the
     exercise  of  these rights. [SELECT SECTION A. OR B. BELOW. THE SECTION NOT
     MARKED  SHALL  NOT  BE  PART  OF  THIS  AGREEMENT.]

        [ ]         A.  INSPECTION  PROCEDURE.  Buyer  shall  have the right and
      Buyer's       responsibility  to  review  and  inspect  all aspects of the
      Initials      Property  in  accordance with the attached "Lot/Land Special
                    Stipulations  Exhibit"  which  is  made  a  part  hereof.

                                       OR

        [ ]         B.  PROPERTY  SOLD  "AS  IS."  All  parties  agree  that the
      Buyer's       Property  is being sold "as is," with all faults. The Seller
      Initials      shall  have  no obligation for repairs or replacements noted
                    in  any inspection(s) made by or for Buyer, except as may be
                    otherwise  required  herein.  Such  repairs  or replacements
                    shall  be  the  sole  responsibility  of  Buyer.

9.   OTHER  PROVISIONS.
     -----------------

     A.  BINDING  EFFECT,  ENTIRE  AGREEMENT,  MODIFICATION,  ASSIGNMENT:  This
         ---------------------------------------------------------------
     Agreement  shall  be  for  the  benefit  of, and be binding upon, Buyer and
     Seller,  their  heirs,  successors,  legal  representatives  and  permitted
     assigns.  This  Agreement constitutes the sole and entire agreement between
     the  parties  hereto  and  no  modification or assignment of this Agreement
     shall  be  binding  unless  signed  by  all  parties  to this Agreement. No
     representation, promise, or inducement not included in this Agreement shall
     be  binding upon any party hereto. Any assignee shall fulfill all the terms
     and  conditions  of  this.  Agreement.

<PAGE>
     B.  SURVIVAL  OF AGREEMENT: All conditions or stipulations not fulfilled at
         ----------------------
     time of closing shall survive the closing until such time as the conditions
     or  stipulations  are  fulfilled.

     C. GOVERNING LAW: This Agreement is intended as a contract for the purchase
        -------------
     and  sale  of real property and shall be interpreted in accordance with the
     laws  of  the  State  of  Georgia.

     D.  TIME  OF  ESSENCE:  Time  is  of  the  essence  of  this  Agreement.
         -----------------

     E.  TERMINOLOGY:  As  the  context  may  require in this Agreement: (1) the
         -----------
     singular  shall  mean the plural and vice versa, and (2) all pronouns shall
     mean  and  include  the  person, entity, firm, or corporation to which they
     relate.

     F.  RESPONSIBILITY  TO  COOPERATE:  All  parties  agree to timely take such
         -----------------------------
     actions  and  produce,  execute,  and/or  deliver  such  information  and
     documentation  as is reasonably necessary to carry out the responsibilities
     and  obligations  of  this  Agreement.

     G.  NOTICES:  Except  as  otherwise provided herein, all notices, including
         -------
     demands, required or permitted hereunder shall be in writing and delivered:
     (1)  in  person;  (2)  by  an  overnight  delivery service, prepaid; (3) by
     facsimile  transmission  (FAX); or (4) by the United States Postal Service,
     postage  prepaid,  registered or certified return receipt requested. Notice
     shall  be  deemed to have been given as of the date and time it is actually
     received.  Notwithstanding the above, notice by FAX shall be deemed to have
     been  given  as  of  the date and time it is transmitted if the sending FAX
     produces a written confirmation with the date, time and telephone number to
     which  the  notice was sent. Receipt of notice by the Broker representing a
     party  as  a  client  shall  be  deemed  to be notice to that party for all
     purposes  herein  except  in  transactions  where  the Broker is practicing
     designated  agency, in which case, receipt of notice only by the designated
     agent  representing  a  party  as  a client shall be required to constitute
     notice  to  that  party.

10.  DISCLAIMER. Buyer and Seller acknowledge that they have not relied upon any
     ----------
     advice,  representations  or  statements of Brokers and waive and shall not
     assert  any  claims  against  Brokers  involving the same. Buyer and Seller
     agree  that  Brokers shall not be responsible to advise Buyer and Seller on
     any  matter,  including  but not limited to the following: any matter which
     could  have  been  revealed through a survey, title search or inspection of
     the  Property;  the  condition of the Property, any portion thereof, or any
     item  therein; building products and construction techniques; the necessity
     or  cost  of  any  repairs  to  the Property; hazardous or toxic materials,
     termites and other wood-destroying organisms; the tax or legal consequences
     of  this  transaction;  the availability and cost of utilities or community
     amenities;  the appraised or future value of the Property, any condition(s)
     existing  off  the  Property  which  may  affect  the  Property, the terms,
     conditions  and  availability  of financing; and the uses and zoning of the
     Property  whether  permitted or proposed. Buyer and Seller acknowledge that
     Brokers  are not experts with respect to the above matters and that, if any
     of  these  matters  or any other matters are of concern to them, they shall
     seek independent expert advice relative thereto. Buyer further acknowledges
     that  in every

<PAGE>
     neighborhood  there  are  conditions  which  different  buyers  may  find
     objectionable.  Buyer  shall  therefore  be  responsible  to  become  fully
     acquainted  with  neighborhood  and  other  off-site conditions which could
     affect  the  Property.

11.  AGENCY  AND  BROKERAGE.
     ----------------------

     A.   AGENCY.
          ------

     1.  In this Agreement, the term "Broker" shall mean a licensed Georgia real
     estate  broker  or  brokerage firm and where the context would indicate the
     broker's  affiliated licensees. No Broker in this transaction shall owe any
     duty  to  Buyer or Seller greater than what is set forth in their brokerage
     engagements  and  the  Brokerage  Relationships in Real Estate Transactions
     Act,  O.C.G.A.  Sec.  10-6A-1  et.  seq.

     2.  Seller  and  Buyer  acknowledge  that  if they are not represented by a
     Broker they are each solely responsible for protecting their own interests,
     and  that  Brokers  role is limited to performing ministerial acts for that
     party.

     3.  The  Broker,  if  any,  working  with  the  Seller is identified on the
     signature page as the "Listing Broker," and said Broker is [X] , OR, is not
     [ ]  representing  the  Seller.

     4.  The  Broker,  if  any,  working  with  the  Buyer  is identified on the
     signature page as the "Selling Broker," and said Broker is [X] , OR, is not
     [ ]  representing  the  Buyer;  and

     5.  If  Buyer  and  Seller are both being represented by the same Broker, a
     relationship  of  either  designated agency [X] , OR, dual agency [ ] shall
     exist.

     (a)  DUAL  AGENCY  DISCLOSURE.  [APPLICABLE  ONLY  IF  DUAL AGENCY HAS BEEN
     SELECTED ABOVE.] Seller and Buyer are aware that Broker is acting as a dual
     agent  in  this  transaction and consent to the same. Seller and Buyer have
     been  advised  that:

          (1)  In serving as a dual agent the Broker is representing two clients
          whose  interests  are or at times could be different or event adverse;

          (2)  The  Broker will disclose all adverse, material facts relevant to
          the transaction and actually known to the dual agent to all parties in
          the transaction except for information made confidential by request or
          instructions from another client which is not otherwise required to be
          disclosed  by  law;

          (3)  The  Buyer  and Seller do not have to consent to dual agency; and

          (4)  The consent of the Buyer and Seller to dual agency has been given
          voluntarily  and  the parties have read and understood their brokerage
          engagement  agreements.

<PAGE>
          (5)  Material  Relationship  Disclosure.  The Broker and/or affiliated
          licensees  have  no material relationship with either client except as
          follows: ____________________________________________________________.

          (A  material  relationship  means  one  actually  known of a personal,
          familial  or  business  nature  between  the  Broker  and  affiliated
          licensees  and  a  client which would impair their ability to exercise
          fair  judgment  relative  to  another  client.)

          (6)  Notwithstanding  any  provision to the contrary contained herein,
          Seller  and  Buyer  each  hereby direct Broker, while acting as a dual
          agent,  to  keep  confidential  and  not reveal to the other party any
          information  which  could  materially  and  adversely  affect  their
          negotiating  position.

     (b) DESIGNATED AGENCY ASSIGNMENT. [APPLICABLE ONLY IF THE DESIGNATED AGENCY
     HAS  BEEN  SELECTED  ABOVE.]  The  Broker  has assigned Wanda Roach to work
     exclusively  with  Buyer as Buyer's Designated Agent and Cristal Stancil to
     work  exclusively with Seller as Seller's Designated Agent. Each Designated
     Agent  shall exclusively represent the party to whom each has been assigned
     as a client and shall not represent in this transaction the client assigned
     to  the  other  Designated  Agent.

     B.  BROKERAGE.  The  Broker(s)  identified  herein  have performed valuable
     brokerage  services  and are to be paid a commission pursuant to a separate
     agreement  or agreements. Unless otherwise provided for herein, the Listing
     Broker will be paid a commission by the Seller, and the Selling Broker will
     receive  a  portion  of  the  Listing  Broker's  commission  pursuant  to a
     cooperative  brokerage  agreement.  The closing attorney is directed to pay
     the commission of the Broker(s) at closing out of the proceeds of the sale.
     If the sale proceeds are insufficient to pay the full commission, the party
     owing  the  commission  will pay any shortfall at closing. If more than one
     Broker  is involved in the transaction, the closing attorney is directed to
     pay  each  Broker their respective portion of said commission. In the event
     the  sale  is  not  closed  because  of  Buyer's and/or Seller's failure or
     refusal  to  perform  any  of  their obligations herein, the non-performing
     party shall immediately pay the Broker(s) the full commission the Broker(s)
     would have received had the sale closed, and the Selling Broker and Listing
     Broker  may  jointly  or  independently pursue the non-performing party for
     their  portion  of  the  commission.

12.  TIME  LIMIT  OF  OFFER.  This instrument shall be open for acceptance until
      ---------------------
     5:00  o'clock  P.M.  on  the  12  day  of  April,  2001.

13.  EXHIBITS  AND  ADDENDA. All exhibits and/or addenda attached hereto, listed
     ----------------------
     below,  or referenced herein are made a part of this Agreement. If any such
     exhibit  or  addendum conflicts with any proceeding paragraph, said exhibit
     or  addendum  shall  control:  Exhibit "A" - Land/Lot Special Stipulations;
     Exhibit  "B"  -  Survey;  Exhibit  "C"  -  Seller's  Property  Disclosure.

<PAGE>
SPECIAL  STIPULATIONS:  The  following Special Stipulations, if conflicting with
any  preceding  paragraph  shall  control.

     Wanda  Roach  is  a  Director  of  Cherokee  Bank

[ ]  (Mark  if  additional  pages  are  attached.)

<TABLE>
<CAPTION>
<S>                                                <C>
CENTURY 21 Max Stancil Realty (STAN01)
-------------------------------------------------  --------------------------------------------
Selling Broker               MLS Office Code       Buyer's Signature:        SS/FEI#

By: Wanda Roach                                    Cherokee Bank N.A., by Dennis Burnette Pres.
   ----------------------------------------------  --------------------------------------------
  Broker or Broker's Affiliated Licensee           Print or Type Name

Wanda Roach
-------------------------------------------------  --------------------------------------------
Print or Type Name                                 Buyer's Signature:        SS/FEI#

Bus Phone:  (770) 926-4482  FAX # (770) 591-2248   --------------------------------------------
                                                   Print or Type Name

Multiple Listing #
                   ------------------------------  --------------------------------------------
                                                   Seller's Signature:        SS/FEI#

CENTURY 21 Max Stancil Realty (STAN01)             Davis Holding Company
-------------------------------------------------  --------------------------------------------
Listing Broker               MLS Office Code       Print of Type Name

By: Cristal Stancil
   ----------------------------------------------  --------------------------------------------
  Broker or Broker's Affiliated Licensee           Seller's Signature:        SS/FEI#

Cristal Stancil
-------------------------------------------------  --------------------------------------------
Print or Type Name                                 Print of Type Name

Bus Phone:  (770) 926-4482  FAX # (770) 591-2248
</TABLE>

ACCEPTANCE  DATE
----------------
The  above  proposition  is  hereby  accepted, 7 o'clock P.M. on the 18th day of
April,  2001.

BINDING  AGREEMENT  DATE
------------------------
This instrument shall become a binding agreement in the date ("Binding Agreement
Date")  when  notice  of  the  acceptance of this Agreement has been received by
offeror.  The  offeror  shall  promptly  notify offeree when acceptance has been
received.

<PAGE>

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