Document:

LEASE AGREEMENT

         THIS LEASE  AGREEMENT  is made and entered  into this 24th day of June,
2004, by and between  Richard T. Gregg and Joseph Scott  Schaefer,  Lessor,  and
Freedom Financial Group, Inc., Lessee.

                                  WITNESSETH:

         That in  consideration  of the mutual  promises and  agreements  herein
contained,  Lessor does by these presents  lease unto Lessee,  and Lessee hereby
leases the following described real estate in Greene County, Missouri, to-wit:

         That  portion  known  as  3058  E.  Elm,  Springfield,  Missouri  65802
(approximately  6,600 +/- square feet of space) (the "Leased Premises").  Lessor
further  agrees  that  Lessee,  its agents,  servants,  employees  and  business
invitees  shall have access to and use of the common  areas of the  Building for
purposes reasonably related to Lessee's use of the Leased Premises.

         1. TERM. The initial term of this lease shall be two (2) years,  and it
shall  commence on July 9, 2004,  and it shall  terminate on July 31, 2006.  The
parties further agree that under no circumstances  shall the original fixed rent
set forth in Paragraph 2 of this Lease Agreement be reduced.

         The Lessee  shall have the option to extend  this Lease  Agreement  for
three (3)  additional  terms of one (1) year each.  Lessee  shall  exercise  its
option by giving  Lessor  Ninety (90) days advance  written  notice prior to the
expiration  of the then current  lease term of its desire to exercise the option
to extend the term of the Lease.

         2. RENT. As compensation for its use of the Leased Premises Lessee does
covenant,  promise  and agree to pay unto  Lessor as  monthly  rent for the said
premises on or before the first day of each month,  the sum of Two Thousand Nine
Hundred  Ninety  Seven  Dollars   ($2,997.00).   Lessor  and  Lessee  agree  and
acknowledge   that  the  Base  Rent  of  Three  Thousand  Four  Hundred  Dollars
($3,400.00)  is reduced to  compensate  Lessee's  costs  incurred in  relocating
within 1

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Lessor's  building.  Rent for the first month shall be  prorated.  If any rental
payment due hereunder is not paid when due, the unpaid balance hereof shall draw
interest  at the rate of ten  percent  (10%) per annum  from its due date  until
paid,  which interest shall become and for all purposes of this Lease  Agreement
be considered as rent. Rent for the option terms shall be adjusted by the change
in the U.S.  Consumer  Price Index (CPI) based on the previous  year.  The first
adjustment shall be based on $3,400.00, the original base rent.

         3. USE. The demised  premises  shall be used and occupied  only for the
purpose of general offices and not otherwise.  Lessee shall, at its own cost and
expense, obtain any and all licenses and permits necessary for such use.

         4. LESSOR'S OBLIGATION TO MAINTAIN.  Lessor shall, at all times, at its
sole cost and expense, keep the roof, foundation, plumbing and exterior walls of
the  building  situated on the Leased  Premises  in good  repair and  condition,
except for  reasonable  wear and tear,  and except that Lessee  shall repair any
damage  caused by Lessee or  Lessee's  invitees.  In the event  that the  Leased
Premises  should  become  in  need of  repairs  required  to be  made by  Lessor
hereunder,  Lessee shall give immediate  written  notice thereof to Lessor,  and
Lessor shall  proceed  promptly to make such  repairs;  provided  however,  that
Lessor  shall not be  responsible  for any loss,  whether  by  interruptions  in
Lessee's  business or otherwise  occasioned by Lessor's  failure to make repairs
for which Lessor is  responsible  if Lessor  undertakes  such repairs  promptly.
Lessor shall be responsible  for parking lot repairs and  maintenance  including
snow removal.

         5. LESSEE'S OBLIGATION TO MAINTAIN.  Lessee shall,  throughout the term
of this Lease Agreement,  take good care of the interior of the Leased Premises,
and keep the interior  Leased  Premises in good condition and make all necessary
repairs,  including repairs to interior windows,  doors, and electrical fixtures
and  heating and air  conditioning  system (up to $200.00 per year - Landlord to
pay anything  over $200.00 per year).  Lessee will repair  exterior  windows and
doors  only if  damaged  by  Lessee  or  Lessee's  guests.  At the end or  other
termination of this

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Lease  Agreement,   Lessee  shall  deliver  up  the  Leased  Premises  with  all
improvements located thereon, in good repair and condition,  reasonable wear and
tear or acts or omissions of Lessor only excepted.

         6. LESSEE'S  IMPROVEMENTS.  Lessee shall not create any openings in the
roof or  exterior  walls,  nor shall  Lessee make any  substantial  alterations,
additions  or  improvements  to the Leased  Premises  without the prior  written
consent of the Lessor, which shall not be unreasonably  withheld, but at its own
cost and expense  and in a good  workmanlike  manner  Lessee may make such minor
alterations,  additions  or  improvements,  or erect  such  shelves  and  office
furnishings as it may deem  desirable,  without  altering the basic character of
the  building  improvements,  and in each  case  complying  with all  applicable
government laws,  ordinances,  regulations and other requirements.  All shelves,
furniture, fixtures and personal property installed by Lessee must be removed by
Lessee at the  termination  of this Lease  Agreement,  but without damage to the
Leased Premises.

         7.  PROHIBITED  USE.  Lessee will not permit the Leased  Premises to be
used for any purpose or in any manner which would render the  insurance  thereon
void, regardless of whether such insurance is held by Lessor or Lessee.

         8. RESTRICTION AGAINST ADVERTISING. Except as otherwise provided in the
Addendum to Lease, no sign,  advertising or notice shall be inscribed,  painted,
affixed or  displayed on any of the windows or doors or on any other part of the
outside or inside of the Leased  Premises,  without the prior written consent of
the  Lessor.  The  Lessee's  trade name  signage  must  conform to the  criteria
outlined in the Addendum for all Lessee signage.

         9.  INSPECTION.  Lessor and Lessor's agents and  representatives  shall
have the right to enter and inspect the Leased  Premises at any reasonable  time
during normal  business hours for the purpose of  ascertaining  the condition of
the  Leased  Premises,  or  Lessee's  compliance  with the  terms of this  Lease
Agreement  or in order to make such repairs as may be required to be made by the
Lessor under the terms of this Lease  Agreement.  Lessor shall have the right to
enter

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the Leased Premises at any time in case of emergency, as determined by Lessor.

         10.  UTILITIES.  Lessee will pay for all water,  gas,  electricity  and
other utilities used by Lessee on, or in connection with the Leased Premises.

         11. ASSIGNMENT AND SUBLETTING. Lessee shall not assign its rights under
this  Lease  Agreement,  nor shall  Lessee  sublet  the whole or any part of the
Leased Premises, without Lessor's prior written consent.

         12. DAMAGE TO PREMISES.  In case the Leased  Premises shall be rendered
untenantable by fire, explosion or other casualty, and cannot be restored within
ninety (90) days after such  occurrence,  Lessor or Lessee may, at their option,
terminate this Lease.  If the Leased Premises can be restored within ninety (90)
days, this Lease shall not terminate and Lessor shall repair the Leased Premises
within ninety (90) days. Rent shall abate during the period of  untenantability.
If Lessor does not repair the Leased  Premises within said ninety (90) day time,
Lessee may at its option,  terminate  this Lease  Agreement  and the term hereby
created shall cease and terminate.

         13.  LIABILITY  INSURANCE.  During  the term of this  Lease  Agreement,
Lessee agrees at its expense to provide and keep in force comprehensive  general
liability  insurance  with bodily injury  liability  limits of  $500,000.00  per
person and $1,000,000.00 per accident,  protecting Lessor and Lessee against any
liability  to any person  whomsoever  for injury to person or damage to property
arising out of or in connection  with the Lessee's use of the Leased Premises or
in the  condition  of the Leased  Premises.  Lessee  further  agrees to have the
Lessor  named as a named  insured in said policy of  insurance  and to provide a
copy of said  policy  of  insurance  to Lessor  prior to  occupying  the  Leased
Premises. The policy of insurance shall require thirty (30) days advance written
notice to Lessor of any  cancellation  of the policy of insurance.  Lessor shall
maintain  comprehensive  general  liability  insurance  covering the parking and
common  areas  protecting  Lessor and  Lessee  against  liability  for injury to
persons or damage to property resulting from Lessor's acts or omissions.  Lessor
agrees to provide and keep in force  during the term  hereof  fire and  extended
coverage insuring the Leased Premises and the building in which it

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is situated at full  replacement  value and to deliver a  certificate  to Lessee
evidencing  such coverage (and renewals of such  coverage).  Lessor shall not be
liable to Lessee or Lessee's  employees,  agents or  invitees,  or to any person
whomsoever,  for any  injury to person  or  damage to  property  on or about the
Leased  Premises,  caused by negligence  or  misconduct  of Lessee,  its agents,
servants,  employees or invitees, and Lessee agrees to indemnify Lessor and hold
Lessor harmless from any loss,  expense or claims arising out of any such damage
or injury. Lessee shall not be liable to Lessor or Lessor's employees, agents or
visitors,  or to any  person  whomsoever,  for any injury to person or damage to
property on or about the Leased Premises,  caused by negligence or misconduct of
Lessor,  its agents,  servants,  employees  or  invitees,  and Lessor  agrees to
indemnify  Lessee  and hold  Lessee  harmless  from any loss,  expense or claims
arising out of any such damage or injury.

         14.  CONDEMNATION.  If the whole or any substantial  part of the Leased
Premises  should  be  taken  for  any  public  or  quasi-public  use  under  any
governmental  law,  ordinance or  regulation,  or by right of eminent  domain or
should be sold to the condemning  authority under threat of  condemnation,  this
Lease  Agreement  shall  terminate  and the rent  shall  be  abated  during  the
unexpired portion of this Lease Agreement.  All condemnation awards,  except any
award to the Lessee for interruption of Lessee's  business or to defray the cost
of moving to a new location, shall be paid to and belong to the Lessor.

         15. EVENTS OF DEFAULT.  The following shall be deemed Events of Default
by  Lessee  under  this  Lease  Agreement.

             a)  Lessee shall fail to pay any installment of rent due under this
         Lease Agreement if such failure shall continue for a period of ten (10)
         days after the due date thereof,  with no written notice of delinquency
         from Lessor being  required.

             b)  Lessee  shall  fail  to comply  with  any  term,  provision  or
         condition of this Lease  Agreement, other than the payment of rent, and
         shall not cure such failure within thirty (30) days after written
         notice thereof from Lessor.

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         16. LESSOR'S  REMEDIES.  Upon the occurrence of any Event of Default as
set forth in Paragraph 15 of this Lease Agreement,  Lessor shall have the option
to  pursue  any  one or  more  of the  following  remedies  without  any  notice
whatsoever:

             a) Terminate this Lease  Agreement and declare  immediately due and
             payable  the  balance of rent for the  remaining  term of the Lease
             Agreement,  in which event Lessee shall  immediately  surrender the
             Leased  Premises  to  Lessor,  and if Lessee  shall  fail so to do,
             Lessor may without  prejudice to any other remedy which it may have
             for  possession  or  arrearages  in  rent,   enter  upon  and  take
             possession  of the Leased  Premises and expel or remove  Lessee and
             any other  person who may be occupying  the Leased  Premises or any
             part  thereof,  without  being  liable  for any  claim  or  damages
             therefor  and  Lessee  agrees to pay Lessor on demand the amount of
             all loss,  damage,  costs and  expenses  which  Lessor may incur by
             reason of the Event of Default,  including  attorneys'  fees, costs
             and expenses,  and Lessee  further  agrees that Lessor shall not be
             liable for any damages to Lessee's property or business  operations
             resulting  to the Lessee from such  action,  whether  caused by the
             negligence of Lessor or otherwise.

             b) Enter upon and take  possession of the Leased Premises and expel
             or remove  Lessee  and any other  person who may be  occupying  the
             Leased  Premises  or any part  thereof,  and do or cause to be done
             whatever  Lessee is  obligated  to do under the terms of this Lease
             Agreement,  except that Lessor shall not use  Lessee's  trade name,
             signs or business identity in connection  therewith,  without being
             liable for any claim or damages  therefor and Lessee  agrees to pay
             Lessor on demand the amount of all loss, damage, costs and expenses
             which Lessor may incur by reason of the Event of Default, including
             reasonable attorneys' fees, costs and expenses,  and Lessee further
             agrees that Lessor  shall not be liable for any damages to Lessee's
             property or business  operations  resulting to the Lessee from such
             action,  whether  caused by the  negligence of Lessor or otherwise.

Pursuit of any of the foregoing remedies shall not preclude pursuit of any other
remedies

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herein provided or any other remedy provided by law or in equity,  nor shall the
pursuit of any remedy herein  provided  constitute a forfeiture or waiver of any
rent due to Lessor  hereunder or of any damages  accruing to Lessor by reason of
the violation of any of the terms,  provisions  or conditions  contained in this
Lease Agreement. Failure by Lessor to enforce one or more of the remedies herein
provided upon an Event of Default shall not be deemed or construed to constitute
a waiver  of such  default,  or of any other  violation  or breach of any of the
terms,  provisions or conditions herein contained.  If any action shall be taken
by Lessor to  recover  any rent or other  charges or  payments  under this Lease
Agreement, or for or on account of any breach of or to enforce any of the terms,
provisions  or  conditions  of  this  Lease  Agreement  or for the  recovery  of
possession of the Leased Premises,  the Lessor shall be entitled to recover from
the Lessee as a part of such costs Lessor's  attorneys' fees and court costs and
all expenses related to such actions, regardless of whether suit is filed.

         17. LESSOR'S COVENANTS. Lessor covenants,  warrants and represents that
it has full right and power to execute and perform this Lease  Agreement  and to
grant the estate demised  herein and that Lessee,  on payment of the rent herein
reserved and  performing the covenants and agreements  herein  contained,  shall
peaceably and quietly have,  hold and enjoy the Leased  Premises during the full
term of this Lease  Agreement,  or any  extension  or renewal  hereof,  provided
however, that Lessee accepts this Lease Agreement subject and subordinate to any
mortgage,  deed of  trust or  other  lien  presently  existing  upon the  Leased
Premises.  Lessor is hereby  irrevocably vested with full power and authority to
subordinate Lessee's interest hereunder to any recorded mortgage,  deed of trust
or other lien hereinafter placed on the Leased Premises,  and Lessee agrees upon
demand to execute such further instruments subordinating this Lease Agreement as
Lessor  may  request,  provided  such  further  subordination  shall be upon the
express  condition that the rights of Lessee as set forth in the Lease Agreement
shall remain in full force and effect during the term of this Lease Agreement so
long  as  Lessee  shall  continue  to  observe  and  perform  all of the  terms,
provisions and conditions of this Lease Agreement.

         18.  COMPLIANCE.  Each  provision  of this  Lease  Agreement  or of any
applicable governmental law or other requirement with reference to the making of
any payment by Lessee

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to Lessor shall be deemed to be complied with when and if the following steps
are taken:

             a) All rent and  other  payments  required  to be made by Lessee to
             Lessor  hereunder  shall be payable  to the  Lessor at the  address
             hereinbelow  set forth or at such  other  address as the Lessor may
             specify  from  time  to  time  by  written  notice,   delivered  in
             accordance herewith.

             b) Any notice or document  required or  permitted  to be  delivered
             hereunder  shall be deemed to be  delivered  (i) when  received  or
             rejected  by a person at the  intended  address  set out below,  if
             delivered by courier, (ii) upon electronic  confirmation of receipt
             if sent by facsimile to the fax number set forth by the  signatures
             of the parties  hereto or (iii) whether  actually  received or not,
             when  deposited  in  the  United  States  mail,   postage  prepaid,
             registered mail, return receipt requested, addressed to the parties
             hereto at the  respective  addresses  set out opposite  their names
             below or at such other address as they have heretofore specified by
             written notice delivered in accordance herewith.

        19.  ENTIRE  AGREEMENT.  This  Lease  Agreement,  signed by Lessor  and
Lessee,  embodies  the entire  agreement  between  the parties  with  respect to
Lessor's  leasing the Leased Premises to Lessee.  There are no  representations,
terms,  covenants,  conditions or agreements  between the parties  pertaining to
leasing  the  Leased  Premises  which  are  not  herein  contained.  The  terms,
provisions,  covenants and conditions  contained in this Lease  Agreement  shall
apply to, and inure to the  benefit of, and be binding  upon the parties  hereto
and their respective successors in interest and legal representatives, except as
otherwise herein expressly provided. All rights, powers, privileges,  immunities
and duties of Lessor under this Lease Agreement including but not limited to any
notices required to be delivered by Lessor to Lessee hereunder,  may at Lessor's
option, be exercised or performed by Lessor's agent or attorney.

        20.  BROKERAGE.  Mellinger  Commercial  LLC is the agent for the Lessor
with duty to

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represent  the  Lessor's  interest.  Any information given to agent by Lessee or
Lessee's agent may be disclosed to Lessor.

         IN WITNESS WHEREOF, the parties have set their hand and seal, this 24th
day of June, 2004.

                             LESSOR:  Richard T. Gregg and Joseph Scott Schaefer

                                  /s/ Richard T. Gregg
                                  ----------------------------------------------
                                  RICHARD T. GREGG, Managing Member DATE 6/24/04

                                  ----------------------------------------------
                                  JOSEPH SCOTT SCHAEFER             DATE

                             LESSEE: Freedom Financial Group, Inc.

                                  ----------------------------------------------
                                  Jerald L. Fenstermaker, President     DATE

                                  /s/ Jerald L. Fenstermaker
                                  ----------------------------------------------
                                  LESSEE                            DATE 6/24/04

                                       9LEASE AGREEMENT

      THIS LEASE  AGREEMENT  is made and entered into this 13th day of December,
2001 by and between  Richard T. Gregg and Joseph  Scott  Schaefer,  Lessor,  and
Freedom Financial Group, Inc., Lessee.

                                   WITNESSETH:

      That  in  consideration  of the  mutual  promises  and  agreements  herein
contained,  Lessor does by these presents  lease unto Lessee,  and Lessee hereby
leases the following described real estate in Greene County, Missouri, to-wit:

      That  portion  known  as  3042  E.  Elm,   Springfield,   Missouri   65802
(approximately 3,000 +/- square feet of space) (the "Leased Premises").

      Lessor further  agrees that Lessee,  its agents,  servants,  employees and
business  invitees  shall  have  access  to and use of the  common  areas of the
Building for purposes reasonably related to Lessee's use of the Leased Premises,

      1. TERM..  The initial  term of this lease shall be one (1) year and eight
(8) months,  and it shall commence on January 1, 2002, and it shall terminate on
August 31, 2003. The parties further agree that under no circumstances shall the
original fixed rent set forth in Paragraph 2 of this Lease Agreement be reduced.

      2. RENT. As  compensation  for its use of the Leased  Premises Lessee does
covenant,  promise  and agree to pay unto  Lessor as  monthly  rent for the said
premises on or before the first day of each month,  the sum of One  Thousand Six
Hundred Fifty Dollars  ($1,650.00).  Lessor hereby  acknowledges  receipt of the
first  month's rent and security  deposit  equal to one (1) month's rent. If any
rental  payment due  hereunder is not paid when due, the unpaid  balance  hereof
shall draw interest at the rate of ten percent (10%) per annum from its due date
until  paid,  which  interest  shall  become and for all  purposes of this Lease
Agreement be considered as rent.

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      3. USE.  The  demised  premises  shall be used and  occupied  only for the
purpose of general offices and not otherwise.  Lessee shall, at its own cost and
expense, obtain any and all licenses and permits necessary for such use.

      4. LESSOR'S  OBLIGATION TO MAINTAIN.  Lessor shall,  at all times,  at its
sole cost and expense, keep the root foundation,  plumbing and exterior walls of
the  building  situated on the Leased  Premises  in good  repair and  condition,
except for  reasonable  wear and tear,  and except that Lessee  shall repair any
damage  caused by Lessee or  Lessee's  invitees.  In the event  that the  Leased
Premises  should  become  in  need of  repairs  required  to be  made by  Lessor
hereunder,  Lessee shall give immediate  written  notice thereof to Lessor,  and
Lessor shall  proceed  promptly to make such  repairs;  provided  however,  that
Lessor  shall not be  responsible  for any loss,  whether  by  interruptions  in
Lessee's  business or otherwise  occasioned by Lessor's  failure to make repairs
for which Lessor is  responsible  if Lessor  undertakes  such repairs  promptly.
Lessor shall be responsible  for parking lot repairs and  maintenance  including
snow removal.

      5. LESSEES  OBLIGATION TO MAINTAIN.  Lessee shall,  throughout the term of
this Lease Agreement, take good care of the Leased Premises, and keep the Leased
Premises in good condition and make all necessary repairs,  including repairs to
interior   windows,   doors,  and  electrical   fixtures  and  heating  and  air
conditioning  system (up to $200.00 per year -- Landlord  to pay  anything  over
$200.00 per year). Lessee will repair exterior windows and doors only if damaged
by Lessee or  Lessee's  guests.  At the end or other  termination  of this Lease
Agreement,  Lessee shall deliver up the Leased  Premises  with all  improvements
located thereon, in good repair and condition,  reasonable wear and tear or acts
or omissions of Lessor only excepted.

      6. LESSEE'S IMPROVEMENTS. Lessee shall not create any openings in the roof
or exterior walls, nor shall Lessee make any substantial alterations,  additions
or improvements to the Leased Premises  without the prior written consent of the
Lessor,  which  shall  not be  unreasonably  withheld,  but at its own  cost and
expense and in a good workmanlike manner Lessee may make such minor alterations,
additions or  improvements,  or erect such shelves and office  furnishings as it
may deem  desirable,  without  altering  the  basic  character  of the  building

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<PAGE>

improvements,  and in each case complying with all applicable  government  laws,
ordinances, regulations and other requirements. All shelves, furniture, fixtures
and  personal  property  installed  by Lessee  must be  removed by Lessee at the
termination of this Lease Agreement, but without damage to the Leased Premises.

      7.  PROHIBITED  USE. Lessee will not permit the Leased Premises to be used
for any purpose or in any manner which would render the insurance  thereon void,
regardless of whether such insurance is held by Lessor or Lessee.

      8. RESTRICTION  AGAINST  ADVERTISING.  Except as otherwise provided in the
Addendum to Lease, no sign,  advertising or notice shall be inscribed,  painted,
affixed or  displayed on any of the windows or doors or on any other part of the
outside or inside of the Leased  Premises,  without the prior written consent of
the  Lessor.  The  Lessee's  trade name  signage  must  conform to the  criteria
outlined in the Addendum for all Lessee signage.

      9. INSPECTION.  Lessor and Lessor's agents and representatives  shall have
the right to enter and inspect the Leased Premises at any reasonable time during
normal  business  hours for the purpose of  ascertaining  the  condition  of the
Leased Premises,  or Lessee's  compliance with the terms of this Lease Agreement
or in order to make such  repairs  as may be  required  to be made by the Lessor
under the terms of this Lease  Agreement.  Lessor  shall have the right to enter
the Leased Premises at any time in case of emergency, as determined by Lessor.

      10. UTILITIES.  Lessee will pay for all water, gas,  electricity and other
utilities used by Lessee on, or in connection with the Leased Premises.

      11.  ASSIGNMENT AND  SUBLETTING.  Lessee shall not assign its rights under
this  Lease  Agreement,  nor shall  Lessee  sublet  the whole or any part of the
Leased Premises, without Lessor's prior written consent.

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<PAGE>

      12.  DAMAGE TO  PREMISES.  In case the Leased  Premises  shall be rendered
untenantable by fire, explosion or other casualty, and cannot be restored within
ninety (90) days after such  occurrence,  Lessor or Lessee may, at their option,
terminate this Lease.  If the Leased Premises can be restored within ninety (90)
days, this Lease shall not terminate and Lessor shall repair the Leased Premises
within ninety (90) days. Rent shall abate during the period of  untenantability.
If Lessor does not repair the Leased  Premises within said ninety (90) day time,
Lessee may at its option,  terminate  this Lease  Agreement  and the term hereby
created shall cease and terminate.

      13. LIABILITY INSURANCE.  During the term of this Lease Agreement,  Lessee
agrees  at its  expense  to  provide  and  keep in force  comprehensive  general
liability  insurance  with bodily injury  liability  limits of  $500,000.00  per
person and S1,000,000.00 per accident,  protecting Lessor and Lessee against any
liability  to any person  whomsoever  for injury to person or damage to property
arising out of or in connection  with the Lessee's use of the Leased Premises or
in the  condition  of the Leased  Premises.  Lessee  further  agrees to have the
Lessor  named as a named  insured in said policy of  insurance  and to provide a
copy of said  policy  of  insurance  to Lessor  prior to  occupying  the  Leased
Premises. The policy of insurance shall require thirty (30) days advance written
notice to Lessor of any  cancellation  of the policy of insurance.  Lessor shall
maintain  comprehensive  general  liability  insurance  covering the parking and
common  areas  protecting  Lessor and  Lessee  against  liability  for injury to
persons or damage to property resulting from Lessor's acts or omissions.  Lessor
agrees to provide and keep in force  during the term  hereof  fire and  extended
coverage  insuring the Leased  Premises and the building in which it is situated
at full replacement value and to deliver a certificate to Lessee evidencing such
coverage (and renewals of such  coverage).  Lessor shall not be liable to Lessee
or Lessee's employees,  agents or invitees, or to any person whomsoever, for any
injury to person or damage to property on or about the Leased  Premises,  caused
by  negligence  or  misconduct  of Lessee,  its agents,  servants,  employees or
invitees,  and Lessee agrees to indemnify  Lessor and hold Lessor  harmless from
any loss,  expense or claims  arising out of any such  damage or injury.  Lessee

                                       4
<PAGE>

shall not be liable to Lessor or Lessor's employees,  agents or visitors, or: to
any  person  whomsoever,  for any injury to person or damage to  property  on or
about the Leased  Premises,  caused by negligence  or misconduct of Lessor,  its
agents,  servants,  employees or invitees, and Lessor agrees to indemnify Lessee
and hold Lessee  harmless  from any loss,  expense or claims  arising out of any
such damage or injury.

      14.  CONDEMNATION.  If the  whole or any  substantial  part of the  Leased
Premises  should  be  taken  for  any  public  or  quasi-public  use  under  any
governmental  law,  ordinance or  regulation,  or by right of eminent  domain or
should be sold to the condemning  authority under threat of  condemnation,  this
Lease  Agreement  shall  terminate  and the rent  shall  be  abated  during  the
unexpired portion of this Lease Agreement.  All condemnation awards,  except any
award to the Lessee for interruption of Lessee's  business or to defray the cost
of moving to a new location, shall be paid to and belong to the Lessor.

      15. EVENTS OF DEFAULT.  The following shall be deemed Events of Default by
Lessee under this Lease Agreement.

            a) Lessee shall fail to pay any  installment  of rent due under this
            Lease  Agreement if such failure shall  continue for a period of ten
            (10) days  after the due date  thereof,  with no  written  notice of
            delinquency from Lessor being required.

            b) Lessee shall fall to comply with any term, provision or condition
            of this Lease  Agreement,  other than the payment of rent, and shall
            not cure such failure  within thirty (30) days after written  notice
            thereof from Lessor.

      16. LESSOR'S REMEDIES.  Upon the occurrence of any Event of Default as set
forth in Paragraph 15 of this Lease  Agreement,  Lessor shall have the option to
pursue any one or more of the following remedies without any notice whatsoever:

            a) Terminate this Lease  Agreement and declare  immediately  due and
            payable  the  balance  of rent for the  remaining  term of the Lease
            Agreement,  in which event Lessee shall  immediately  surrender  the

                                       5
<PAGE>

            Leased Premises to Lessor, and if Lessee shall fail so to do, Lessor
            may  without  prejudice  to any other  remedy  which it may have for
            possession or arreerages in rent,  enter upon and take possession of
            the Leased  Premises and expel or remove Lessee and any other person
            who may be  occupying  the  Leased  Premises  or any  part  thereof,
            without  being  liable for any claim or damages  therefor and Lessee
            agrees to pay Lessor on demand the amount of all loss, damage, costs
            and  expenses  which  Lessor  may  incur by  reason  of the Event of
            Default,  including attorneys' fees, costs and expenses,  and Lessee
            further  agrees that  Lessor  shall not be liable for any damages to
            Lessee's  property or business  operations  resulting  to the Lessee
            from such  action,  whether  caused by the  negligence  of Lessor or
            otherwise.

            b) Enter upon and take  possession of the Leased  Premises and expel
            or remove  Lessee  and any other  person  who may be  occupying  the
            Leased  Premises  or any  part  thereof,  and do or cause to be done
            whatever  Lessee is  obligated  to do under the terms of this  Lease
            Agreement,  except that Lessor shall not use Lessee's  trade | name,
            signs or business  identity in connection  therewith,  without being
            liable for any claim or damages  therefor  and Lessee  agrees to pay
            Lessor on demand the amount of all loss, damage,  costs and expenses
            which Lessor may incur by reason of the Event of Default,  including
            reasonable  attorneys' fees, costs and expenses,  and Lessee further
            agrees that  Lessor  shall not be liable for any damages to Lessee's
            property or business  operations  resulting  to the Lessee from such
            action, whether caused by the negligence of Lessor or otherwise.

      Pursuit of any of the foregoing remedies shall not preclude pursuit of any
other remedies herein provided or any other remedy provided by law or in equity,
nor shall the pursuit of any remedy herein  provided  constitute a forfeiture or
waiver of any rent due to Lessor  hereunder or of any damages accruing to Lessor
by  reason  of the  violation  of any of the  terms,  provisions  or  conditions
contained in this Lease  Agreement.  Failure by Lessor to enforce one or more of
the remedies  herein  provided  upon an Event of Default  shall not be deemed or

                                       6
<PAGE>

construed to constitute a waiver of such default,  or of any other  violation or
breach of any of the terms,  provisions or conditions herein  contained.  If any
action shall be taken by Lessor to recover any rent or other charges or payments
under this Lease Agreement,  or for or on account of any breach of or to enforce
any of the terms,  provisions or  conditions of this Lease  Agreement or for the
recovery of possession of the Leased  Premises,  the Lessor shall be entitled to
recover  from the Lessee as a part of such costs  Lessor's  attorneys'  fees and
court costs and all expenses related to such actions, regardless of whether suit
is filed.

      17. LESSOR'S COVENANTS. Lessor covenants,  warrants and represents that it
has full right and power to execute  and  perform  this Lease  Agreement  and to
grant the estate demised  herein and that Lessee,  on payment of the rent herein
reserved and performing the covenants and agreements herein  contained,  shall .
peaceably and quietly have,  hold and enjoy the Leased  Premises during the full
term of this Lease Agreement, or any extension or renewal hereof; t 6 0 provided
however, that Lessee accepts this Lease Agreement subject and subordinate to any
mortgage,  deed of  trust or  other  lien  presently  existing  upon the  Leased
Premises.  Lessor is hereby  irrevocably vested with full power and authority to
subordinate Lessee's interest hereunder to any recorded mortgage,  deed of trust
or other lien hereinafter placed on the Leased Premises,  and Lessee agrees upon
demand to execute such further instruments subordinating this Lease Agreement as
Lessor  may  request,  provided  such  further  subordination  shall be upon the
express  condition that the rights of Lessee as set forth in the Lease Agreement
shall remain in full force and effect during the term of this Lease Agreement so
long  as  Lessee  shall  continue  to  observe  and  perform  all of the  terms,
provisions and conditions of this Lease Agreement.

      18.  COMPLIANCE.  Each  provision  of  this  Lease  Agreement  or  of  any
applicable governmental law or other requirement with reference to the making of
any payment by Lessee to Lessor shall be deemed to be complied  with when and if
the following steps are taken:

            a) All rent and  other  payments  required  to be made by  Lessee to
            Lessor  hereunder  shall be  payable  to the  Lessor at the  address
            hereinbelow  set forth or at such  other  address  as the Lessor may
            specify from tine to time by written notice, delivered in accordance
            herewith.

                                       7
<PAGE>

            b) Any notice or document  required  or  permitted  to be  delivered
            hereunder shall be deemed to be delivered

            (i) when  received or rejected by a person at the  intended  address
            set out  below,  if  delivered  by  courier,  (ii)  upon  electronic
            confirmation  of receipt if sent by  facsimile to the fax number set
            forth by the  signatures  of the  parties  hereto  or (iii)  whether
            actually  received or not, when deposited in the United States mail,
            postage  prepaid,   registered  mail,   return  receipt   requested,
            addressed to the parties hereto at the respective  addresses set out
            opposite  their  names  below or at such other  address as they have
            heretofore  specified  by written  notice  delivered  in  accordance
            herewith.

      19. ENTIRE AGREEMENT.  This Lease Agreement,  signed by Lessor and Lessee,
embodies  the entire  agreement  between  the parties  with  respect to Lessor's
leasing the Leased  Premises  to Lessee.  There are no  representations,  terms,
covenants,  conditions or agreements  between the parties  pertaining to leasing
the Leased  Premises  which are not  herein  contained.  The terms,  provisions,
covenants and conditions  contained in this Lease  Agreement shall apply to, and
inure to the  benefit  of and be  binding  upon the  parties  hereto  and  their
respective successors in interest and legal representatives, except as otherwise
herein expressly provided, All rights, powers, privileges, immunities and duties
of Lessor under this Lease  Agreement  including  but not limited to any notices
required to be delivered by Lessor to Lessee hereunder,  may at Lessor's option,
be exercised or performed by Lessor's agent or attorney.

      IN WITNESS  WHEREOF,  the parties have set their hand and seal,  this 13th
day of December, 2001.

                                       8
<PAGE>

                  LESSOR:     RICHARD T. GREGG AND JOSEPH SCOTT
SCHAEFER

                              /s/ Richard T. Gregg
                              --------------------------------------------------
                                  RICHARD T. GREGG                  DATE

                              /s/ Joseph Scott Schaefer
                              --------------------------------------------------
                                  JOSEPH SCOTT SCHAEFER             DATE

                  LESSEE:     FREEDOM FINANCIAL GROUP, INC.

                              /s/ Vern Schweigert                 12/06/01
                              --------------------------------------------------
                                  Vern Schweigert, Trustee          DATE

                              --------------------------------------------------
                              LESSEE                                DATE

                                       9
<PAGE>

                               AMENDMENT TO LEASE

      THIS  AMENDMENT TO LEASE  AGREEMENT is made and entered into as of the ___
day of April,  2003, by and between  Richard T. Gregg and Joseph Scott Schaefer,
(hereinafter  referred  to  as  "Lessor")  and  Freedom  Financial  Group,  Inc.
(hereinafter referred to as "Lessee").

WHEREAS,   the  parties   hereto   entered  into  that  certain  lease
agreement dated 13th day of December,  2001,  covering the lease space
in the building situated at 3042 E. Elm, Springfield, Missouri and;

WHEREAS,  Lessor and Lessee  desire to expand the Leased  Premises and
extend the lease term and;

WHEREAS, by mutual agreement, the parties hereto desire to amend said Lease.

                                   WITNESSETH

NOW THEREFORE, for and in consideration of the covenants, conditions, agreements
and stipulations  hereinafter  expressed,  it I. hereby expressed understood and
agreed by and  between  the parties  hereto  that the lease  between  Lessor and
Lessee is hereby changed and amended in the following particulars, to-wit:

1.  Lessor  and  Lessee  agree to expand  the  Leased  Premises  to  include  an
additional 1,875 sq.

      ft., known as 3050 E. Elm, for a total of 4,875 sq. ft.

2.  Beginning on May 1, 2003,  the rent shall be adjusted to Two  Thousand  Four
Hundred Fifty and 00/100 Dollars  ($2,450.00) per month for the remainder of the
term.

3. Lease term shall be extended twelve months to expire on August 31, 2004.

Except for  provisions,  which may be  inconsistent  with the  express  language
intent of the amendment,  all provisions of the Lease  Agreement  dated the 13th
day of December, 2001, shall be in full force and effect

LESSOR                                    LESSEE

   /s/ Richard Thomas Gregg                       /s/ Jerald L. Fenstermaker
-------------------------------                ---------------------------------

   /s/ Scott Schaefer                          President, Freedom Financial Grp.
-------------------------------                ---------------------------------
                                               April 25, 2003

                                       10
<PAGE>

                               AMENDMENT TO LEASE

      THIS  AMENDMENT TO LEASE  AGREEMENT is made and entered into as of the ___
day of July,  2004, by and between  Richard T, Gregg and Joseph Scott  Schaefer,
(hereinafter  referred  to  as  "Lessor")  and  Freedom  Financial  Group,  Inc.
(hereinafter referred to as "Lessee").

WHEREAS,   the  parties   hereto   entered  into  that  certain  lease
agreement  dated 13th day of December,  2001, and amended on April 25,
2003,  covering  the lease space in the  building  situated at 3042 E.
Elm and 3050 E. Elm, Springfield, Missouri and

WHEREAS,  Lessor and Lessee  desire to reduce the Leased  Premises and
extend the lease term and;

      WHEREAS,  by mutual  agreement,  the parties  hereto  desire to amend said
Lease.

                                   WITNESSETH

NOW THEREFORE, for and in consideration of the covenants, conditions, agreements
and stipulations  hereinafter  expressed,  it is hereby expressed understood and
agreed by and  between  the parties  hereto  that the lease  between  Lessor and
Lessee is hereby changed and amended in the following particulars, to-wit:

1.    Lessor and Lessee  agree to that Lessee  shall  vacate 3042 E. Elm on July
      31, 2004.

2.    Beginning on July 1, 2004, the rent shall be adjusted to Eight Hundred and
      00/100 Dollars ($800.00) per month for the remainder of the term.

3.    Upon  expiration  of this Lease  Lessee and Lessor agree that Lessee shall
      remain in the Leased  Premises on a month to month  tenancy,  Lessee shall
      give Lessor thirty days advance  written  notice of' its intent to vacate.
      During month to month tenancy all terms and conditions of this Lease shall
      remain in effect.

Except for  provisions,  which may be  inconsistent  with the  express  language
intent of the amendment,  all provisions of the Lease  Agreement  dated the 13th
day of December, 2001, shall ix; in lull force and effect.

LESSOR                              LESSEE

   /s/ Richard Thomas Gregg                       /s/ Jerald L. Fenstermaker
-------------------------------                ---------------------------------
                                               President 6/24/04

                                       11

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